diff --git a/backend/cmd/server/VERSION b/backend/cmd/server/VERSION
index 20f0101a2d..e794306a69 100644
--- a/backend/cmd/server/VERSION
+++ b/backend/cmd/server/VERSION
@@ -1 +1 @@
-0.1.108.42
+0.1.108.43
diff --git a/backend/internal/service/payment_config_service.go b/backend/internal/service/payment_config_service.go
index f33505895e..5a5de735d0 100644
--- a/backend/internal/service/payment_config_service.go
+++ b/backend/internal/service/payment_config_service.go
@@ -207,52 +207,56 @@ func (s *PaymentConfigService) parsePaymentConfig(vals map[string]string) *Payme
 // nil-check before serialisation — this is inherent to patch-style update patterns
 // and cannot be meaningfully decomposed without introducing unnecessary abstraction.
 func (s *PaymentConfigService) UpdatePaymentConfig(ctx context.Context, req UpdatePaymentConfigRequest) error {
-	m := make(map[string]string)
-	if req.Enabled != nil {
-		m[SettingPaymentEnabled] = strconv.FormatBool(*req.Enabled)
-	}
-	if req.MinAmount != nil {
-		m[SettingMinRechargeAmount] = strconv.FormatFloat(*req.MinAmount, 'f', 2, 64)
-	}
-	if req.MaxAmount != nil {
-		m[SettingMaxRechargeAmount] = strconv.FormatFloat(*req.MaxAmount, 'f', 2, 64)
-	}
-	if req.DailyLimit != nil {
-		m[SettingDailyRechargeLimit] = strconv.FormatFloat(*req.DailyLimit, 'f', 2, 64)
-	}
-	if req.OrderTimeoutMin != nil {
-		m[SettingOrderTimeoutMinutes] = strconv.Itoa(*req.OrderTimeoutMin)
-	}
-	if req.MaxPendingOrders != nil {
-		m[SettingMaxPendingOrders] = strconv.Itoa(*req.MaxPendingOrders)
+	m := map[string]string{
+		SettingPaymentEnabled:      formatBoolOrEmpty(req.Enabled),
+		SettingMinRechargeAmount:   formatPositiveFloat(req.MinAmount),
+		SettingMaxRechargeAmount:   formatPositiveFloat(req.MaxAmount),
+		SettingDailyRechargeLimit:  formatPositiveFloat(req.DailyLimit),
+		SettingOrderTimeoutMinutes: formatPositiveInt(req.OrderTimeoutMin),
+		SettingMaxPendingOrders:    formatPositiveInt(req.MaxPendingOrders),
+		SettingBalancePayDisabled:  formatBoolOrEmpty(req.BalanceDisabled),
+		SettingLoadBalanceStrategy: derefStr(req.LoadBalanceStrategy),
+		SettingProductNamePrefix:   derefStr(req.ProductNamePrefix),
+		SettingProductNameSuffix:   derefStr(req.ProductNameSuffix),
+		SettingHelpImageURL:        derefStr(req.HelpImageURL),
+		SettingHelpText:            derefStr(req.HelpText),
 	}
 	if req.EnabledTypes != nil {
 		m[SettingEnabledPaymentTypes] = strings.Join(req.EnabledTypes, ",")
-	}
-	if req.BalanceDisabled != nil {
-		m[SettingBalancePayDisabled] = strconv.FormatBool(*req.BalanceDisabled)
-	}
-	if req.LoadBalanceStrategy != nil {
-		m[SettingLoadBalanceStrategy] = *req.LoadBalanceStrategy
-	}
-	if req.ProductNamePrefix != nil {
-		m[SettingProductNamePrefix] = *req.ProductNamePrefix
-	}
-	if req.ProductNameSuffix != nil {
-		m[SettingProductNameSuffix] = *req.ProductNameSuffix
-	}
-	if req.HelpImageURL != nil {
-		m[SettingHelpImageURL] = *req.HelpImageURL
-	}
-	if req.HelpText != nil {
-		m[SettingHelpText] = *req.HelpText
-	}
-	if len(m) == 0 {
-		return nil
+	} else {
+		m[SettingEnabledPaymentTypes] = ""
 	}
 	return s.settingRepo.SetMultiple(ctx, m)
 }
 
+func formatBoolOrEmpty(v *bool) string {
+	if v == nil {
+		return ""
+	}
+	return strconv.FormatBool(*v)
+}
+
+func formatPositiveFloat(v *float64) string {
+	if v == nil || *v <= 0 {
+		return "" // empty → parsePaymentConfig uses default
+	}
+	return strconv.FormatFloat(*v, 'f', 2, 64)
+}
+
+func formatPositiveInt(v *int) string {
+	if v == nil || *v <= 0 {
+		return ""
+	}
+	return strconv.Itoa(*v)
+}
+
+func derefStr(v *string) string {
+	if v == nil {
+		return ""
+	}
+	return *v
+}
+
 // --- Provider Instance CRUD ---
 
 func (s *PaymentConfigService) ListProviderInstances(ctx context.Context) ([]*dbent.PaymentProviderInstance, error) {
diff --git a/frontend/src/views/user/PaymentView.vue b/frontend/src/views/user/PaymentView.vue
index 59ade1063a..35d502b8a5 100644
--- a/frontend/src/views/user/PaymentView.vue
+++ b/frontend/src/views/user/PaymentView.vue
@@ -25,7 +25,7 @@
             <AmountInput
               v-model="amount"
               :amounts="[10, 50, 100, 200, 500, 1000]"
-              :min="config?.min_amount ?? 1"
+              :min="minAmount"
               :max="maxAmount"
             />
             <p v-if="amountError" class="mt-2 text-xs text-amber-600 dark:text-amber-300">{{ amountError }}</p>
@@ -151,9 +151,15 @@ const tabs = computed(() => {
 })
 
 const enabledMethods = computed(() => config.value?.enabled_payment_types ?? [])
+const minAmount = computed(() => {
+  const limit = methodLimits.value[selectedMethod.value]
+  if (limit?.single_min && limit.single_min > 0) return limit.single_min
+  return config.value?.min_amount && config.value.min_amount > 0 ? config.value.min_amount : 1
+})
 const maxAmount = computed(() => {
   const limit = methodLimits.value[selectedMethod.value]
-  return limit?.single_max && limit.single_max > 0 ? limit.single_max : (config.value?.max_amount ?? 10000)
+  if (limit?.single_max && limit.single_max > 0) return limit.single_max
+  return config.value?.max_amount && config.value.max_amount > 0 ? config.value.max_amount : 99999999
 })
 
 const methodOptions = computed<PaymentMethodOption[]>(() =>
@@ -178,16 +184,14 @@ const totalAmount = computed(() =>
 
 const amountError = computed(() => {
   if (validAmount.value <= 0) return ''
-  const min = config.value?.min_amount ?? 1
-  if (validAmount.value < min) return t('payment.amountTooLow', { min })
+  if (validAmount.value < minAmount.value) return t('payment.amountTooLow', { min: minAmount.value })
   if (validAmount.value > maxAmount.value) return t('payment.amountTooHigh', { max: maxAmount.value })
   return ''
 })
 
 const canSubmit = computed(() => {
-  const min = config.value?.min_amount ?? 1
   const limitInfo = methodLimits.value[selectedMethod.value]
-  return validAmount.value >= min && validAmount.value <= maxAmount.value && limitInfo?.available !== false
+  return validAmount.value >= minAmount.value && validAmount.value <= maxAmount.value && limitInfo?.available !== false
 })
 
 function openSubscribeDialog(plan: SubscriptionPlan) {