diff --git a/apps/edr-freight-api/src/modules/billing/billing.service.ts b/apps/edr-freight-api/src/modules/billing/billing.service.ts
index 8ede56f69..88ef92b3d 100644
--- a/apps/edr-freight-api/src/modules/billing/billing.service.ts
+++ b/apps/edr-freight-api/src/modules/billing/billing.service.ts
@@ -1130,20 +1130,20 @@ export class BillingService {
     // An OTP intent (CAC Bank) is NOT paid yet — the payer still has to enter the
     // code — so the demo shortcut must never fire for it. Same for CBE_BILL: its
     // bill must stay open until CBE actually settles it via /cbe/payment.
-    if (
-      !result.immediateSuccess &&
-      result.response.clientAction?.type !== "COLLECT_OTP" &&
-      opts.method !== "CBE_BILL"
-    ) {
-      await this.payment.handlePaymentEvent({
-        eventType: "payment.succeeded",
-        eventId: `demo-${result.intentId}`,
-        referenceId: invoice.sourceId,
-        intentId: result.intentId,
-        providerTxnId: result.providerTxnId,
-        paidAt: (result.paidAt ?? new Date()).toISOString(),
-      });
-    }
+    // if (
+    //   !result.immediateSuccess &&
+    //   result.response.clientAction?.type !== "COLLECT_OTP" &&
+    //   opts.method !== "CBE_BILL"
+    // ) {
+    //   await this.payment.handlePaymentEvent({
+    //     eventType: "payment.succeeded",
+    //     eventId: `demo-${result.intentId}`,
+    //     referenceId: invoice.sourceId,
+    //     intentId: result.intentId,
+    //     providerTxnId: result.providerTxnId,
+    //     paidAt: (result.paidAt ?? new Date()).toISOString(),
+    //   });
+    // }
 
     if (result.immediateSuccess) {
       await this.settleByPaymentId(
diff --git a/apps/edr-freight-api/src/modules/payment/payment.service.ts b/apps/edr-freight-api/src/modules/payment/payment.service.ts
index 0f628e39c..985b4f53f 100644
--- a/apps/edr-freight-api/src/modules/payment/payment.service.ts
+++ b/apps/edr-freight-api/src/modules/payment/payment.service.ts
@@ -232,10 +232,15 @@ export class PaymentService {
         referenceType: PaymentReferenceType.SHIPMENT,
         referenceId: input.referenceId,
         orderRef: input.orderRef,
-        // amountMinor: input.amountMinor,
         // CBE_BILL must carry the REAL amount: /cbe/payment verifies what the customer was
-        // debited against the intent amount, so the 1-birr dev shortcut would break it.
-        amountMinor: isCbeBill ? input.amountMinor : 1,
+        // debited against the intent amount, so the dev shortcut would break it.
+        // CAC bank rejects amounts below 10 (DJF bounds 10–100,000), so its dev
+        // shortcut floor is 10, not 1.
+        amountMinor: isCbeBill
+          ? input.amountMinor
+          : input.method === ProviderMethod.CAC_BANK
+            ? 10
+            : 1,
         currency: input.currency,
         provider: input.method as ProviderMethod,
         platform: input.platform,
diff --git a/apps/edr-freight-web/portal/src/pages/accounts/CompanyProfileForm.tsx b/apps/edr-freight-web/portal/src/pages/accounts/CompanyProfileForm.tsx
index b12fb19eb..0dc02eaa4 100644
--- a/apps/edr-freight-web/portal/src/pages/accounts/CompanyProfileForm.tsx
+++ b/apps/edr-freight-web/portal/src/pages/accounts/CompanyProfileForm.tsx
@@ -197,6 +197,7 @@ export default function CompanyProfileForm({
       companyEmail: "",
       companyPhone: "",
       companyAddress: "",
+      etradePhone: "",
       tinNumber: "",
       vatNumber: "",
       ownerPassportNumber: "",
@@ -279,6 +280,14 @@ export default function CompanyProfileForm({
     // setting region/zone/woreda/kebele/houseNo above is enough — no need to
     // compose it here. companyPhone is derived below (identity → eTrade →
     // account), not set directly here.
+    // etradePhone is the raw number eTrade returned for this TIN — kept as its
+    // own field (distinct from companyPhone, which prefers the Fayda-verified
+    // owner's phone) so the backend's "matches eTrade's current record" check
+    // always compares against what eTrade actually said, not the owner's phone.
+    setValue(
+      "etradePhone",
+      data.managerPhone || data.regularPhone || data.mobilePhone,
+    );
 
     setEtradeOwner({
       name: data.managerName,
@@ -303,6 +312,7 @@ export default function CompanyProfileForm({
     setValue("woreda", "");
     setValue("kebele", "");
     setValue("houseNo", "");
+    setValue("etradePhone", "");
     setEtradeOwner(null);
   };
 
diff --git a/apps/edr-freight-web/portal/src/pages/accounts/companyProfileForm/helpers.ts b/apps/edr-freight-web/portal/src/pages/accounts/companyProfileForm/helpers.ts
index f1a9f4301..a3aad0ee2 100644
--- a/apps/edr-freight-web/portal/src/pages/accounts/companyProfileForm/helpers.ts
+++ b/apps/edr-freight-web/portal/src/pages/accounts/companyProfileForm/helpers.ts
@@ -70,7 +70,7 @@ export function stepPayload(
         woreda: d.woreda,
         kebele: d.kebele,
         houseNo: d.houseNo,
-        etradePhone: d.companyPhone,
+        etradePhone: d.etradePhone,
       };
     case "personnel":
       return {
@@ -101,6 +101,7 @@ export function toFormValues(p: ProfileResponse): FormData {
     companyEmail: p.companyEmail ?? "",
     companyPhone: p.companyPhone ?? "",
     companyAddress: p.companyAddress ?? "",
+    etradePhone: p.etradePhone ?? "",
     tinNumber: tin,
     vatNumber: p.vatNumber ?? "",
     ownerPassportNumber: p.identity?.owner.passportNumber ?? "",
diff --git a/apps/edr-freight-web/portal/src/pages/accounts/companyProfileForm/schema.ts b/apps/edr-freight-web/portal/src/pages/accounts/companyProfileForm/schema.ts
index 2cd06ef8f..e2842dbe6 100644
--- a/apps/edr-freight-web/portal/src/pages/accounts/companyProfileForm/schema.ts
+++ b/apps/edr-freight-web/portal/src/pages/accounts/companyProfileForm/schema.ts
@@ -21,6 +21,10 @@ export const onboardingSchema = z.object({
   // Derived from the eTrade address parts (kebele/woreda/zone/region); no
   // standalone input — the granular fields live in the registration section.
   companyAddress: z.string().optional(),
+  // Raw phone from the eTrade lookup itself — kept separate from companyPhone
+  // (which shows the Fayda-verified owner's phone once verified) so the two
+  // can diverge without the backend's eTrade-authenticity check misfiring.
+  etradePhone: z.string().optional(),
   tinNumber: z.string().regex(/^\d{10}$/, "TIN must be exactly 10 digits"),
   vatNumber: z
     .string()
@@ -124,6 +128,7 @@ export const stepFields: Record<CompanyStep, (keyof FormData)[]> = {
     "companyEmail",
     "companyPhone",
     "companyAddress",
+    "etradePhone",
     "tinNumber",
     "vatNumber",
     "ownerPassportNumber",