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.
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 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?