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,