diff --git a/apps/edr-passenger-api/src/modules/currency/currency.service.ts b/apps/edr-passenger-api/src/modules/currency/currency.service.ts
index 806ab423e..57276b116 100644
--- a/apps/edr-passenger-api/src/modules/currency/currency.service.ts
+++ b/apps/edr-passenger-api/src/modules/currency/currency.service.ts
@@ -51,26 +51,31 @@ export class CurrencyService {
   }
 
   /**
-   * Converts an ETB minor-unit amount to the charge major-unit amount sent to the
-   * payment provider. Applies the exchange rate for foreign currencies then divides
-   * by 100 to yield major units (e.g. 300000 ETB minor → 3000.00 ETB major).
+   * Converts a booking's stored minor-unit amount (in its own `fromCurrency`) to the charge
+   * major-unit amount sent to the payment provider in `targetCurrency`. When the two currencies
+   * match, no exchange rate is applied — the stored amount is charged as-is. Otherwise the
+   * fromCurrency→targetCurrency rate is applied. In both cases the result is divided by 100 to
+   * yield major units and rounded to the target currency's precision
+   * (e.g. 300000 ETB minor → 3000.00 ETB major; DJF rounds to whole francs).
    */
-  async convertEtbMinorToChargeMajor(
-    amountMinorEtb: number,
+  async convertMinorToChargeMajor(
+    amountMinor: number,
+    fromCurrency: string,
     targetCurrency: string,
   ): Promise<number> {
+    const from = fromCurrency.toUpperCase();
     const target = targetCurrency.toUpperCase();
     if (CHARGE_CURRENCY_DECIMALS[target] === undefined) {
       throw new BadRequestException(`Unsupported charge currency: ${targetCurrency}`);
     }
     const decimals = CHARGE_CURRENCY_DECIMALS[target];
 
-    if (target === Currency.ETB) {
-      return this.roundTo(amountMinorEtb / 100, decimals);
+    if (from === target) {
+      return this.roundTo(amountMinor / 100, decimals);
     }
 
-    const rate = await this.getRateOrThrow(Currency.ETB, target as Currency);
-    return this.roundTo((amountMinorEtb * rate) / 100, decimals);
+    const rate = await this.getRateOrThrow(from as Currency, target as Currency);
+    return this.roundTo((amountMinor * rate) / 100, decimals);
   }
 
   async getRateOrThrow(
diff --git a/apps/edr-passenger-api/src/modules/payments/payments.service.ts b/apps/edr-passenger-api/src/modules/payments/payments.service.ts
index 5ef160135..fb70b2d76 100644
--- a/apps/edr-passenger-api/src/modules/payments/payments.service.ts
+++ b/apps/edr-passenger-api/src/modules/payments/payments.service.ts
@@ -242,8 +242,9 @@ export class PaymentsService {
     const chargeCurrency = (
       paymentMethod?.currency ?? booking.currency
     ).toUpperCase();
-    const chargeAmount = await this.currencyService.convertEtbMinorToChargeMajor(
+    const chargeAmount = await this.currencyService.convertMinorToChargeMajor(
       booking.totalMinor,
+      booking.currency,
       chargeCurrency,
     );