I was under the imoression that Telegram was a better alternative to WhatsApp but even WhatsApp doesn't have ads. What should I be using, then?

Yes, they leave a trail. That's why you can revert them, because the banks know that the transaction actually happened and how much it was for.

You can only revert a transaction if it leaves a paper trail.

Don't shoot the messenger. They're telling you how it works (and they're right btw), that doesn't mean they like it, much less that it's their fault.

I think you severely misinterpreted my comment.