diff --git a/src/app/Http/Controllers/API/V4/PaymentsController.php b/src/app/Http/Controllers/API/V4/PaymentsController.php
index 2fce5021..89b5eb38 100644
--- a/src/app/Http/Controllers/API/V4/PaymentsController.php
+++ b/src/app/Http/Controllers/API/V4/PaymentsController.php
@@ -1,322 +1,322 @@
 <?php
 
 namespace App\Http\Controllers\API\V4;
 
 use App\Http\Controllers\Controller;
 use App\Providers\PaymentProvider;
 use App\Wallet;
 use Illuminate\Http\Request;
 use Illuminate\Support\Facades\Auth;
 use Illuminate\Support\Facades\Validator;
 
 class PaymentsController extends Controller
 {
     /**
      * Get the auto-payment mandate info.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function mandate()
     {
         $user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $user->wallets->first();
 
         $mandate = self::walletMandate($wallet);
 
         return response()->json($mandate);
     }
 
     /**
      * Create a new auto-payment mandate.
      *
      * @param \Illuminate\Http\Request $request The API request.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function mandateCreate(Request $request)
     {
         $current_user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $current_user->wallets->first();
 
         $rules = [
             'amount' => 'required|numeric',
             'balance' => 'required|numeric|min:0',
         ];
 
         // Check required fields
         $v = Validator::make($request->all(), $rules);
 
         // TODO: allow comma as a decimal point?
 
         if ($v->fails()) {
             return response()->json(['status' => 'error', 'errors' => $v->errors()], 422);
         }
 
         $amount = (int) ($request->amount * 100);
 
         // Validate the minimum value
         if ($amount < PaymentProvider::MIN_AMOUNT) {
             $min = intval(PaymentProvider::MIN_AMOUNT / 100) . ' CHF';
             $errors = ['amount' => \trans('validation.minamount', ['amount' => $min])];
             return response()->json(['status' => 'error', 'errors' => $errors], 422);
         }
 
         $wallet->setSettings([
                 'mandate_amount' => $request->amount,
                 'mandate_balance' => $request->balance,
         ]);
 
         $request = [
             'currency' => 'CHF',
             'amount' => $amount,
             'description' => \config('app.name') . ' Auto-Payment Setup',
         ];
 
         $provider = PaymentProvider::factory($wallet);
 
         $result = $provider->createMandate($wallet, $request);
 
         $result['status'] = 'success';
 
         return response()->json($result);
     }
 
     /**
      * Revoke the auto-payment mandate.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function mandateDelete()
     {
         $user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $user->wallets->first();
 
         $provider = PaymentProvider::factory($wallet);
 
         $provider->deleteMandate($wallet);
 
         $wallet->setSetting('mandate_disabled', null);
 
         return response()->json([
                 'status' => 'success',
                 'message' => \trans('app.mandate-delete-success'),
         ]);
     }
 
     /**
      * Update a new auto-payment mandate.
      *
      * @param \Illuminate\Http\Request $request The API request.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function mandateUpdate(Request $request)
     {
         $current_user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $current_user->wallets->first();
 
         $rules = [
             'amount' => 'required|numeric',
             'balance' => 'required|numeric|min:0',
         ];
 
         // Check required fields
         $v = Validator::make($request->all(), $rules);
 
         // TODO: allow comma as a decimal point?
 
         if ($v->fails()) {
             return response()->json(['status' => 'error', 'errors' => $v->errors()], 422);
         }
 
         $amount = (int) ($request->amount * 100);
 
         // Validate the minimum value
         if ($amount < PaymentProvider::MIN_AMOUNT) {
             $min = intval(PaymentProvider::MIN_AMOUNT / 100) . ' CHF';
             $errors = ['amount' => \trans('validation.minamount', ['amount' => $min])];
             return response()->json(['status' => 'error', 'errors' => $errors], 422);
         }
 
         // If the mandate is disabled the update will trigger
         // an auto-payment and the amount must cover the debt
         if ($wallet->getSetting('mandate_disabled')) {
             if ($wallet->balance < 0 && $wallet->balance + $amount < 0) {
                 $errors = ['amount' => \trans('validation.minamountdebt')];
                 return response()->json(['status' => 'error', 'errors' => $errors], 422);
             }
 
             $wallet->setSetting('mandate_disabled', null);
 
             if ($wallet->balance < intval($request->balance * 100)) {
                 \App\Jobs\WalletCharge::dispatch($wallet);
             }
         }
 
         $wallet->setSettings([
                 'mandate_amount' => $request->amount,
                 'mandate_balance' => $request->balance,
         ]);
 
         $result = self::walletMandate($wallet);
         $result['status'] = 'success';
         $result['message'] = \trans('app.mandate-update-success');
 
         return response()->json($result);
     }
 
     /**
      * Create a new payment.
      *
      * @param \Illuminate\Http\Request $request The API request.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function store(Request $request)
     {
         $current_user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $current_user->wallets->first();
 
         $rules = [
             'amount' => 'required|numeric',
         ];
 
         // Check required fields
         $v = Validator::make($request->all(), $rules);
 
         // TODO: allow comma as a decimal point?
 
         if ($v->fails()) {
             return response()->json(['status' => 'error', 'errors' => $v->errors()], 422);
         }
 
         $amount = (int) ($request->amount * 100);
 
         // Validate the minimum value
         if ($amount < PaymentProvider::MIN_AMOUNT) {
             $min = intval(PaymentProvider::MIN_AMOUNT / 100) . ' CHF';
             $errors = ['amount' => \trans('validation.minamount', ['amount' => $min])];
             return response()->json(['status' => 'error', 'errors' => $errors], 422);
         }
 
         $request = [
             'type' => PaymentProvider::TYPE_ONEOFF,
             'currency' => 'CHF',
             'amount' => $amount,
             'description' => \config('app.name') . ' Payment',
         ];
 
         $provider = PaymentProvider::factory($wallet);
 
         $result = $provider->payment($wallet, $request);
 
         $result['status'] = 'success';
 
         return response()->json($result);
     }
 
     /**
      * Update payment status (and balance).
      *
      * @param string $provider Provider name
      *
      * @return \Illuminate\Http\Response The response
      */
     public function webhook($provider)
     {
         $code = 200;
 
         if ($provider = PaymentProvider::factory($provider)) {
             $code = $provider->webhook();
         }
 
         return response($code < 400 ? 'Success' : 'Server error', $code);
     }
 
     /**
      * Top up a wallet with a "recurring" payment.
      *
      * @param \App\Wallet $wallet The wallet to charge
      *
      * @return bool True if the payment has been initialized
      */
     public static function topUpWallet(Wallet $wallet): bool
     {
         if ((bool) $wallet->getSetting('mandate_disabled')) {
             return false;
         }
 
         $min_balance = (int) (floatval($wallet->getSetting('mandate_balance')) * 100);
         $amount = (int) (floatval($wallet->getSetting('mandate_amount')) * 100);
 
         // The wallet balance is greater than the auto-payment threshold
         if ($wallet->balance >= $min_balance) {
             // Do nothing
             return false;
         }
 
+        $provider = PaymentProvider::factory($wallet);
+        $mandate = (array) $provider->getMandate($wallet);
+
+        if (empty($mandate['isValid'])) {
+            return false;
+        }
+
         // The defined top-up amount is not enough
         // Disable auto-payment and notify the user
         if ($wallet->balance + $amount < 0) {
             // Disable (not remove) the mandate
             $wallet->setSetting('mandate_disabled', 1);
             \App\Jobs\PaymentMandateDisabledEmail::dispatch($wallet);
             return false;
         }
 
-        $provider = PaymentProvider::factory($wallet);
-        $mandate = (array) $provider->getMandate($wallet);
-
-        if (empty($mandate['isValid'])) {
-            return false;
-        }
-
         $request = [
             'type' => PaymentProvider::TYPE_RECURRING,
             'currency' => 'CHF',
             'amount' => $amount,
             'description' => \config('app.name') . ' Recurring Payment',
         ];
 
         $result = $provider->payment($wallet, $request);
 
         return !empty($result);
     }
 
     /**
      * Returns auto-payment mandate info for the specified wallet
      *
      * @param \App\Wallet $wallet A wallet object
      *
      * @return array A mandate metadata
      */
     public static function walletMandate(Wallet $wallet): array
     {
         $provider = PaymentProvider::factory($wallet);
 
         // Get the Mandate info
         $mandate = (array) $provider->getMandate($wallet);
 
         $mandate['amount'] = (int) (PaymentProvider::MIN_AMOUNT / 100);
         $mandate['balance'] = 0;
         $mandate['isDisabled'] = !empty($mandate['id']) && $wallet->getSetting('mandate_disabled');
 
         foreach (['amount', 'balance'] as $key) {
             if (($value = $wallet->getSetting("mandate_{$key}")) !== null) {
                 $mandate[$key] = $value;
             }
         }
 
         return $mandate;
     }
 }