diff --git a/handlers/payments/currency_rates.py b/handlers/payments/currency_rates.py
index 331e3a37..fc29045b 100644
--- a/handlers/payments/currency_rates.py
+++ b/handlers/payments/currency_rates.py
@@ -69,7 +69,9 @@ async def get_rub_rate(quote: str, *, session: aiohttp.ClientSession | None = No
     rate = _q(Decimal("1") / rub_per_unit)
 
     if code != "RUB" and FX_MARKUP:
-        rate = _q(rate * (Decimal("1") + Decimal(str(FX_MARKUP))))
+        # FX_MARKUP задаётся в процентах (например, 30 = 30%), поэтому делим на 100
+        pct = Decimal(str(FX_MARKUP)) / Decimal("100")
+        rate = _q(rate * (Decimal("1") + pct))
 
     cache[code] = (now, rate)
     return rate