diff --git a/apps/edr-passenger-api/.env.example b/apps/edr-passenger-api/.env.example
index 1a9c71990..b2500160d 100644
--- a/apps/edr-passenger-api/.env.example
+++ b/apps/edr-passenger-api/.env.example
@@ -88,6 +88,19 @@ WAAFI_INSECURE_TLS=false
 # Payment Configuration
 PAYMENT_PROVIDERS_ENABLED=TELEBIRR,CBE_BIRR,EBIRR,CARD,WALLET,WAAFI
 
+# Browser return targets after a hosted payment page (UX only — payment is confirmed by the
+# webhook/queryStatus, never this redirect). Global fallback used when a method-specific URL
+# below is unset. Most providers use a single redirect; Waafi takes separate success/failure.
+PAYMENT_RETURN_URL=
+PAYMENT_FAILURE_URL=
+TELEBIRR_RETURN_URL=
+WAAFI_SUCCESS_REDIRECT=
+WAAFI_FAIL_REDIRECT=
+DMONEY_RETURN_URL=
+CBE_RETURN_URL=
+EBIRR_RETURN_URL=
+CARD_RETURN_URL=
+
 # Session Configuration
 SESSION_INACTIVITY_MINUTES=30
 
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 59438c4ad..c017c6332 100644
--- a/apps/edr-passenger-api/src/modules/payments/payments.service.ts
+++ b/apps/edr-passenger-api/src/modules/payments/payments.service.ts
@@ -42,13 +42,6 @@ const NON_TERMINAL_STATUSES: PaymentIntentStatus[] = [
 @Injectable()
 export class PaymentsService {
   private readonly logger = new Logger(PaymentsService.name);
-
-  /**
-   * DEMO ONLY: when true, a WALLET "payment" is treated as instantly successful — the wallet
-   * balance check and debit are skipped and the booking is confirmed + ticket issued as if fully
-   * paid. Lets the happy-path be demoed while a real provider (e.g. Telebirr) is unavailable.
-   * Never enable in production. Toggle with WALLET_DEMO_AUTO_SUCCEED in the env.
-   */
   private readonly walletDemoAutoSucceed = true;
 
   constructor(
@@ -136,9 +129,7 @@ export class PaymentsService {
       return this.initiateWalletPayment(booking);
     }
 
-    // Provider methods go through the payment microservice (docs/payment-service §7.1):
-    // it owns the intent, the provider session, and the single webhook per provider.
-    // Re-initiating is safe — the service returns the existing active intent (idempotent).
+    const { returnUrl, failureUrl } = this.resolveReturnUrls(method);
     const snapshot = await this.paymentClient.initiate({
       service: PaymentServiceEnum.PASSENGER,
       referenceType: PaymentReferenceType.BOOKING,
@@ -148,10 +139,8 @@ export class PaymentsService {
       currency: booking.currency,
       provider: method as unknown as ProviderMethod,
       platform: dto.platform,
-      // PASSENGER-owned browser bounce-back after the hosted page (freight passes its own).
-      // UX only — payment is confirmed by the webhook/mark-paid event, never this redirect.
-      returnUrl: process.env.PAYMENT_RETURN_URL || undefined,
-      failureUrl: process.env.PAYMENT_FAILURE_URL || undefined,
+      returnUrl,
+      failureUrl,
     });
 
     let intent = await this.syncIntentProjection(booking.id, snapshot);
@@ -168,6 +157,40 @@ export class PaymentsService {
     }
     return this.formatIntentResponse(intent);
   }
+  private resolveReturnUrls(method: PaymentMethodType): {
+    returnUrl?: string;
+    failureUrl?: string;
+  } {
+    const perMethod: Partial<
+      Record<PaymentMethodType, { returnUrl?: string; failureUrl?: string }>
+    > = {
+      [PaymentMethodType.TELEBIRR]: {
+        returnUrl: process.env.TELEBIRR_RETURN_URL,
+      },
+      [PaymentMethodType.WAAFI]: {
+        returnUrl: process.env.WAAFI_SUCCESS_REDIRECT,
+        failureUrl: process.env.WAAFI_FAIL_REDIRECT,
+      },
+      [PaymentMethodType.DMONEY]: {
+        returnUrl: process.env.DMONEY_RETURN_URL,
+      },
+      [PaymentMethodType.CBE_BIRR]: {
+        returnUrl: process.env.CBE_RETURN_URL,
+      },
+      [PaymentMethodType.EBIRR]: {
+        returnUrl: process.env.EBIRR_RETURN_URL,
+      },
+      [PaymentMethodType.CARD]: {
+        returnUrl: process.env.CARD_RETURN_URL,
+      },
+    };
+
+    const m = perMethod[method] ?? {};
+    const returnUrl = m.returnUrl || process.env.PAYMENT_RETURN_URL || undefined;
+    const failureUrl =
+      m.failureUrl || process.env.PAYMENT_FAILURE_URL || returnUrl;
+    return { returnUrl, failureUrl };
+  }
 
   private async syncIntentProjection(
     bookingId: string,