diff --git a/src/pages/GiftSubscription.tsx b/src/pages/GiftSubscription.tsx
index 9dc2002..92c6da5 100644
--- a/src/pages/GiftSubscription.tsx
+++ b/src/pages/GiftSubscription.tsx
@@ -22,6 +22,7 @@ import { getApiErrorMessage } from '../utils/api-error';
 import { formatPrice } from '../utils/format';
 import { useCurrency } from '../hooks/useCurrency';
 import { usePlatform, useHaptic } from '@/platform';
+import { openPaymentUrl } from '../utils/openPaymentUrl';
 import {
   SparklesIcon,
   GiftIcon,
@@ -388,7 +389,7 @@ function BuyTabContent({
 }) {
   const { t } = useTranslation();
   const queryClient = useQueryClient();
-  const { openInvoice, capabilities } = usePlatform();
+  const { openInvoice, capabilities, openLink, platform } = usePlatform();
   const haptic = useHaptic();
 
   // Selection state
@@ -481,7 +482,9 @@ function BuyTabContent({
           }
           return;
         }
-        window.location.href = result.payment_url;
+        // Non-Stars provider (RollyPay/YooKassa/SBP …): open externally inside Telegram so
+        // a bank-app hand-off via custom scheme doesn't dead-end in the WebView (#654272).
+        openPaymentUrl(result.payment_url, platform, openLink);
       } else {
         // Balance purchase: switch to MyGifts tab so the new code is visible
         queryClient.invalidateQueries({ queryKey: ['balance'] });
diff --git a/src/pages/TopUpAmount.tsx b/src/pages/TopUpAmount.tsx
index a4cc3d7..94528e8 100644
--- a/src/pages/TopUpAmount.tsx
+++ b/src/pages/TopUpAmount.tsx
@@ -14,6 +14,7 @@ import type { PaymentMethod, PaymentMethodOption } from '../types';
 import BentoCard from '../components/ui/BentoCard';
 import { saveTopUpPendingInfo } from '../utils/topUpStorage';
 import { getSafeRedirectPath } from '../utils/safeRedirect';
+import { openPaymentUrl } from '../utils/openPaymentUrl';
 import { copyToClipboard } from '@/utils/clipboard';
 import {
   CardIcon,
@@ -245,7 +246,11 @@ export default function TopUpAmount() {
           lowerUrl.startsWith('http://t.me/') ||
           lowerUrl.startsWith('tg://');
         if (method?.open_url_direct && !isTelegramDeepLink) {
-          window.location.href = redirectUrl;
+          // In the Telegram WebView, same-container navigation to the provider page breaks
+          // when it hands off to a bank app via a custom scheme (SBP) — Android shows
+          // ERR_UNKNOWN_URL_SCHEME, iOS opens nothing (bug #654272). Open externally there;
+          // on web keep same-tab navigation.
+          openPaymentUrl(redirectUrl, platform, openLink);
           return;
         }
 
diff --git a/src/utils/openPaymentUrl.ts b/src/utils/openPaymentUrl.ts
new file mode 100644
index 0000000..b0a9dba
--- /dev/null
+++ b/src/utils/openPaymentUrl.ts
@@ -0,0 +1,24 @@
+/**
+ * Open a payment-provider URL the right way for the current platform.
+ *
+ * In the Telegram in-app WebView, navigating the SAME container to the provider page
+ * (window.location.href) breaks when that page hands off to a bank app via a custom scheme
+ * — SBP/RollyPay/YooKassa do this. Android then shows a full-page net::ERR_UNKNOWN_URL_SCHEME
+ * and iOS opens nothing ("приложение не определяется"), even though link generation succeeded
+ * (Telegram bug #654272). Opening in the EXTERNAL browser (openLink) lets the OS hand off to
+ * the bank app, and the provider's return_url brings the user back.
+ *
+ * On the web platform a real browser handles the hand-off inline, so same-tab navigation is
+ * correct — and it isn't popup-blocked the way window.open() from an async callback would be.
+ */
+export function openPaymentUrl(
+  url: string,
+  platform: string,
+  openLink: (url: string) => void,
+): void {
+  if (platform === 'telegram') {
+    openLink(url);
+  } else {
+    window.location.href = url;
+  }
+}