diff --git a/apps/edr-freight-api/src/modules/payment/payment.module.ts b/apps/edr-freight-api/src/modules/payment/payment.module.ts
index 05267746d..961aa32bd 100644
--- a/apps/edr-freight-api/src/modules/payment/payment.module.ts
+++ b/apps/edr-freight-api/src/modules/payment/payment.module.ts
@@ -56,7 +56,13 @@ function rabbitMQImport(): DynamicModule[] {
 
 @Module({
     imports: [
-        HttpModule.register({ timeout: 10_000 }),
+        // CAC Bank's initiate SMSes an OTP and routinely takes >10s, so the old
+        // 10s cap 502'd every CAC charge while the bank was still working —
+        // orphaning an intent the payer had already been texted about. Matches
+        // the passenger API's budget.
+        HttpModule.register({
+            timeout: Number(process.env.PAYMENT_API_HTTP_TIMEOUT_MS) || 60_000,
+        }),
         ConfigModule,
         forwardRef(() => BillingModule),
         // forwardRef(() => TrainSchedulingModule),