diff --git a/app/cabinet/routes/balance.py b/app/cabinet/routes/balance.py
index ff0558ad..0d84ead0 100644
--- a/app/cabinet/routes/balance.py
+++ b/app/cabinet/routes/balance.py
@@ -244,6 +244,8 @@ async def create_topup(
                 description=f"Пополнение баланса на {amount_rubles:.2f} ₽",
                 metadata={
                     "user_id": str(user.id),
+                    "user_telegram_id": str(user.telegram_id) if user.telegram_id else "",
+                    "user_username": user.username or "",
                     "amount_kopeks": str(request.amount_kopeks),
                     "type": "balance_topup",
                     "source": "cabinet",
diff --git a/app/config.py b/app/config.py
index fd169be7..48d51dba 100644
--- a/app/config.py
+++ b/app/config.py
@@ -15,9 +15,9 @@ from pydantic import field_validator, Field
 from pathlib import Path
 
 
-DEFAULT_DISPLAY_NAME_BANNED_KEYWORDS = [
-    "tme",
-    "joingroup",
+DEFAULT_DISPLAY_NAME_BANNED_KEYWORDS: list[str] = [
+    # Пустой по умолчанию - администратор может добавить ключевые слова через DISPLAY_NAME_BANNED_KEYWORDS
+    # Примеры: "tme", "joingroup", "support", "admin"
 ]
 
 USER_TAG_PATTERN = re.compile(r"^[A-Z0-9_]{1,16}$")
diff --git a/app/middlewares/display_name_restriction.py b/app/middlewares/display_name_restriction.py
index 0060737e..04bd1e58 100644
--- a/app/middlewares/display_name_restriction.py
+++ b/app/middlewares/display_name_restriction.py
@@ -131,23 +131,18 @@ class DisplayNameRestrictionMiddleware(BaseMiddleware):
         cleaned = ZERO_WIDTH_PATTERN.sub("", value)
         lower_value = cleaned.lower()
 
-        if "@" in cleaned or "＠" in cleaned:
-            return True
-
-        if any(pattern.search(lower_value) for pattern in LINK_PATTERNS):
-            return True
-
-        if DOMAIN_OBFUSCATION_PATTERN.search(lower_value):
-            return True
+        # Убраны жёсткие проверки на @ и паттерны ссылок - слишком много ложных срабатываний
+        # Теперь проверяем только по настраиваемым ключевым словам из DISPLAY_NAME_BANNED_KEYWORDS
 
         normalized = self._normalize_text(lower_value)
         collapsed = COLLAPSE_PATTERN.sub("", normalized)
 
-        if "tme" in collapsed:
-            return True
-
         banned_keywords = settings.get_display_name_banned_keywords()
 
+        # Если список пустой - не блокируем никого
+        if not banned_keywords:
+            return False
+
         return any(
             keyword in normalized or keyword in collapsed
             for keyword in banned_keywords
diff --git a/app/services/payment/yookassa.py b/app/services/payment/yookassa.py
index 678837c9..84a28a2e 100644
--- a/app/services/payment/yookassa.py
+++ b/app/services/payment/yookassa.py
@@ -110,6 +110,18 @@ class YooKassaPaymentMixin:
             amount_rubles = amount_kopeks / 100
 
             payment_metadata = metadata.copy() if metadata else {}
+
+            # Всегда добавляем telegram_id в метаданные для возможности возврата платежа
+            if "user_telegram_id" not in payment_metadata:
+                try:
+                    from app.database.crud.user import get_user_by_id
+                    user = await get_user_by_id(db, user_id)
+                    if user and user.telegram_id:
+                        payment_metadata["user_telegram_id"] = str(user.telegram_id)
+                        payment_metadata["user_username"] = user.username or ""
+                except Exception as e:
+                    logger.warning(f"Не удалось получить telegram_id для user_id={user_id}: {e}")
+
             payment_metadata.update(
                 {
                     "user_id": str(user_id),
@@ -201,6 +213,18 @@ class YooKassaPaymentMixin:
             amount_rubles = amount_kopeks / 100
 
             payment_metadata = metadata.copy() if metadata else {}
+
+            # Всегда добавляем telegram_id в метаданные для возможности возврата платежа
+            if "user_telegram_id" not in payment_metadata:
+                try:
+                    from app.database.crud.user import get_user_by_id
+                    user = await get_user_by_id(db, user_id)
+                    if user and user.telegram_id:
+                        payment_metadata["user_telegram_id"] = str(user.telegram_id)
+                        payment_metadata["user_username"] = user.username or ""
+                except Exception as e:
+                    logger.warning(f"Не удалось получить telegram_id для user_id={user_id}: {e}")
+
             payment_metadata.update(
                 {
                     "user_id": str(user_id),