diff --git a/apps/edr-payment-api/src/modules/providers/cac-bank-amount.spec.ts b/apps/edr-payment-api/src/modules/providers/cac-bank-amount.spec.ts
new file mode 100644
index 000000000..e1898de53
--- /dev/null
+++ b/apps/edr-payment-api/src/modules/providers/cac-bank-amount.spec.ts
@@ -0,0 +1,104 @@
+import { of } from "rxjs";
+import { CacBankProvider } from "@edr/payment-providers";
+
+/**
+ * Both freight (invoice.balanceAmount) and passenger (CurrencyService) hand the
+ * provider a MAJOR-currency amount — e.g. 700 for $700, not 70000 cents — with the
+ * target currency's own decimal precision already applied. CAC previously divided
+ * anything that wasn't DJF by 100, undercharging every non-DJF payment 100x (a USD
+ * 700 invoice would have been billed as $7). These pin the fix: the amount reaches
+ * the bank unscaled, and the bank's own DJF bounds don't leak onto other currencies.
+ */
+describe("CacBankProvider — amount handling", () => {
+  const config = {
+    get: (key: string) =>
+      ({
+        "cac.baseUrl": "https://cac.example",
+        "cac.username": "u",
+        "cac.password": "p",
+        "cac.appKey": "app",
+        "cac.apiKey": "api",
+        "cac.companyServicesId": 21,
+        "cac.currency": "DJF",
+        "cac.tokenTtlMs": 3_600_000,
+        "cac.otpExpiryMs": 600_000,
+        "cac.httpTimeoutMs": 60_000,
+      })[key],
+  };
+
+  function build() {
+    const post = jest.fn();
+    // 1st call: CacBankAuth signin (axios parses this one normally — no raw-text
+    // override). 2nd call: PaymentInitiateRequest (raw text; CAC provider parses it
+    // itself via parseCacResponse to preserve oversized ids).
+    post
+      .mockReturnValueOnce(of({ data: { accessToken: "tok" } }))
+      .mockReturnValueOnce(
+        of({ data: JSON.stringify({ description: "ok", paymentRequestId: 1 }) }),
+      );
+    const provider = new CacBankProvider(config as never, { post } as never);
+    return { provider, post };
+  }
+
+  it("sends a USD amount unscaled — no more /100 division", async () => {
+    const { provider, post } = build();
+
+    await provider.initiate({
+      merchantOrderId: "m-1",
+      orderRef: "INV-1",
+      amountMinor: 700,
+      currency: "USD",
+      payerAccount: "77092076",
+    });
+
+    const body = JSON.parse(post.mock.calls[1][1]);
+    expect(body.amount).toBe(700);
+    expect(body.currency).toBe("USD");
+  });
+
+  it("still sends a DJF amount unscaled, matching pre-fix behaviour exactly", async () => {
+    const { provider, post } = build();
+
+    await provider.initiate({
+      merchantOrderId: "m-2",
+      orderRef: "INV-2",
+      amountMinor: 222,
+      currency: "DJF",
+      payerAccount: "77092076",
+    });
+
+    const body = JSON.parse(post.mock.calls[1][1]);
+    expect(body.amount).toBe(222);
+  });
+
+  it("rejects a DJF amount outside the bank's documented 10–100,000 bounds", async () => {
+    const { provider } = build();
+
+    await expect(
+      provider.initiate({
+        merchantOrderId: "m-3",
+        orderRef: "INV-3",
+        amountMinor: 5,
+        currency: "DJF",
+        payerAccount: "77092076",
+      }),
+    ).rejects.toThrow(/outside the accepted range/);
+  });
+
+  it("does not apply the DJF bounds to a USD amount outside that DJF range", async () => {
+    const { provider, post } = build();
+
+    // 500,000 is well past the DJF ceiling (100,000) but is a perfectly normal USD
+    // amount — the DJF-only bound must not reject it locally.
+    await provider.initiate({
+      merchantOrderId: "m-4",
+      orderRef: "INV-4",
+      amountMinor: 500_000,
+      currency: "USD",
+      payerAccount: "77092076",
+    });
+
+    const body = JSON.parse(post.mock.calls[1][1]);
+    expect(body.amount).toBe(500_000);
+  });
+});
diff --git a/packages/payment-providers/src/providers/cac-bank/cac-bank.provider.ts b/packages/payment-providers/src/providers/cac-bank/cac-bank.provider.ts
index df69c4b1f..764d4a5d8 100644
--- a/packages/payment-providers/src/providers/cac-bank/cac-bank.provider.ts
+++ b/packages/payment-providers/src/providers/cac-bank/cac-bank.provider.ts
@@ -27,7 +27,9 @@ import type {
   CacPaymentInitiateResponse,
 } from "./cac-bank.types";
 
-/** Bank-enforced amount bounds (PaymentInitiateRequest spec: between 10 and 100,000 DJF). */
+/** Bank-enforced amount bounds (PaymentInitiateRequest spec: between 10 and 100,000 DJF). Not
+ *  documented for other settlement currencies (e.g. USD) — skip the local pre-check there and
+ *  let the bank's own validation reject an out-of-range amount. */
 const CAC_MIN_AMOUNT = 10;
 const CAC_MAX_AMOUNT = 100_000;
 
@@ -73,10 +75,14 @@ export class CacBankProvider implements PaymentProvider, OnModuleInit {
     }
 
     const customerMobile = normalizeCacMobile(input.payerAccount);
-    const amount = this.toMajorAmount(input.amountMinor, input.currency);
-    if (amount < CAC_MIN_AMOUNT || amount > CAC_MAX_AMOUNT) {
+    const amount = this.toMajorAmount(input.amountMinor);
+    const currency = (input.currency || this.defaultCurrency).toUpperCase();
+    if (
+      currency === "DJF" &&
+      (amount < CAC_MIN_AMOUNT || amount > CAC_MAX_AMOUNT)
+    ) {
       throw new Error(
-        `CAC Bank amount ${amount} ${input.currency} is outside the accepted range ` +
+        `CAC Bank amount ${amount} DJF is outside the accepted range ` +
           `(${CAC_MIN_AMOUNT}–${CAC_MAX_AMOUNT} DJF)`,
       );
     }
@@ -85,7 +91,7 @@ export class CacBankProvider implements PaymentProvider, OnModuleInit {
       app_key: this.appKey,
       api_key: this.apiKey,
       customer_mobile: customerMobile,
-      currency: input.currency || this.defaultCurrency,
+      currency,
       desc: `${input.orderRef}`.slice(0, 500),
       vender_ref: input.merchantOrderId,
       amount,
@@ -303,12 +309,14 @@ export class CacBankProvider implements PaymentProvider, OnModuleInit {
     return this.auth;
   }
 
-  /** DJF has no fractional units — amountMinor is the major amount. */
-  private toMajorAmount(amountMinor: number, currency: string): number {
-    if (currency.toUpperCase() === "DJF") {
-      return amountMinor;
-    }
-    return amountMinor / 100;
+  /**
+   * Both callers (freight's invoice.balanceAmount, passenger's CurrencyService) already
+   * hand off a major-currency amount — e.g. 700 for $700, not 70000 cents — with the target
+   * currency's own decimal precision already applied (0dp for DJF, 2dp for USD/ETB). CAC Bank
+   * bills in that same major unit, so it is forwarded unchanged.
+   */
+  private toMajorAmount(amountMinor: number): number {
+    return amountMinor;
   }
 
   private sanitizeKeys(