diff --git a/api/gateway/mntx/internal/service/gateway/card_processor.go b/api/gateway/mntx/internal/service/gateway/card_processor.go
index db2ba940..4212c786 100644
--- a/api/gateway/mntx/internal/service/gateway/card_processor.go
+++ b/api/gateway/mntx/internal/service/gateway/card_processor.go
@@ -107,6 +107,7 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 
 	// Keep CreatedAt/refs if record already exists.
 	if existing, err := p.store.Payouts().FindByPaymentID(ctx, state.PaymentRef); err == nil && existing != nil {
+		state.ID = existing.ID // preserve ID for upsert
 		if !existing.CreatedAt.IsZero() {
 			state.CreatedAt = existing.CreatedAt
 		}