diff --git a/backend/internal/service/payment_config_service.go b/backend/internal/service/payment_config_service.go
index 1384d6d6a6..d5f27f00fc 100644
--- a/backend/internal/service/payment_config_service.go
+++ b/backend/internal/service/payment_config_service.go
@@ -195,7 +195,7 @@ func (s *PaymentConfigService) GetPaymentConfig(ctx context.Context) (*PaymentCo
 func (s *PaymentConfigService) parsePaymentConfig(vals map[string]string) *PaymentConfig {
 	cfg := &PaymentConfig{
 		Enabled:             vals[SettingPaymentEnabled] == "true",
-		MinAmount:           pcParseFloat(vals[SettingMinRechargeAmount], 0),
+		MinAmount:           pcParseFloat(vals[SettingMinRechargeAmount], 1),
 		MaxAmount:           pcParseFloat(vals[SettingMaxRechargeAmount], 0),
 		DailyLimit:          pcParseFloat(vals[SettingDailyRechargeLimit], 0),
 		OrderTimeoutMin:     pcParseInt(vals[SettingOrderTimeoutMinutes], defaultOrderTimeoutMin),
diff --git a/backend/internal/service/payment_config_service_test.go b/backend/internal/service/payment_config_service_test.go
index 140a0f8d64..fe3d838ad2 100644
--- a/backend/internal/service/payment_config_service_test.go
+++ b/backend/internal/service/payment_config_service_test.go
@@ -72,8 +72,8 @@ func TestParsePaymentConfig(t *testing.T) {
 		if cfg.Enabled {
 			t.Fatal("expected Enabled=false by default")
 		}
-		if cfg.MinAmount != 0 {
-			t.Fatalf("expected MinAmount=0 (no limit), got %v", cfg.MinAmount)
+		if cfg.MinAmount != 1 {
+			t.Fatalf("expected MinAmount=1, got %v", cfg.MinAmount)
 		}
 		if cfg.MaxAmount != 0 {
 			t.Fatalf("expected MaxAmount=0 (no limit), got %v", cfg.MaxAmount)