feat: Telegram payments guide

1. Introduction
- [ ] Provide a brief overview of the purpose of the Payments Guide.
- [ ] Explain the importance of understanding payment integration for bot development on the platform.
2. Feature Overview
- [ ] Describe the functionality of the payment feature in bot development, highlighting its benefits and potential use cases.
- [ ] Include a link to the official Telegram documentation for accepting payments from users.

4. Understanding Payments on Telegram
- [ ] Explain how payments on Telegram work, emphasizing that Telegram doesn't handle the money itself.
- [ ] Outline the general setup process and the involvement of payment providers.
- [ ] Describe the flow of data between Telegram, payment providers, and the bot.
- [ ] Explain the flow of money from users to the bot developer's account.

5. Prerequisites
- [ ] List the requirements and prerequisites for getting started with accepting payments on Telegram.
- [ ] Mention if a credit card is needed, any specific accounts that need to be set up, or any tokens/secrets required for integration.

6. Integration Steps with grammY
- [ ] Provide step-by-step instructions on how to code the payment integration using the grammY framework.
- [ ] Include example code snippets for each relevant step, demonstrating how to set up and handle payments within a bot.

7. Advanced Topics and Tips
- [ ] Offer additional tips, tricks, and best practices for working with payments on Telegram.
- [ ] Include information on advanced settings and customization options for payment integration.
- [ ] Provide links to other relevant resources, such as official Telegram documentation or community forums for further exploration.