Why this question is hard to answer today
Telegram's payment documentation is written for developers. It explains invoices, currencies and the checkout callback, and it is accurate. What it does not say is where a seller's money ends up, because that depends on the route you pick rather than on the API.
There are three routes, and the difference between them is who holds the money on the way to you.
Route one: you and the buyer settle it
This is the default in a Mini App store, and it needs no setup at all. The buyer browses your catalogue, confirms the order, and you receive it with their name, their Telegram handle and the items. Payment happens the way it already does in your business: on delivery, by transfer, in person.
It sounds basic, and it is the route most first shops use for a reason. You can open with six real products today and never touch a payment setting.
Route two: card payments into your own Stripe
Connect your own Stripe account through a Telegram provider token and the buyer pays by card without leaving the chat. The charge is made by Stripe, against your account, under your name. The money settles to you on Stripe's schedule, exactly as it would on any site you ran yourself.
This needs your own bot and a paid App plan. The important part for a seller: we are not in the payment path, so there is no platform fee on the sale and nothing of yours sits in our account.
Route three: Telegram Stars for digital goods
Stars are Telegram's in-app currency. A buyer pays with Stars inside the chat, and the Stars credit to your own bot balance. There is no payment provider, no card processing and no bank form to fill in. It suits files, access and anything delivered instantly, and it is available to a seller on a paid App plan using their own bot.
Picking one, honestly
If you are testing whether people buy, start with route one and skip the setup entirely. If you already sell physical goods and want cards, route two is the one that behaves like a normal shop. If you sell files or access, route three removes the most setup for the least work. You can run two of them at once, and plenty of shops do.