diff --git a/app/services/subscription_auto_purchase_service.py b/app/services/subscription_auto_purchase_service.py
index 3e8390ee..3cccb877 100644
--- a/app/services/subscription_auto_purchase_service.py
+++ b/app/services/subscription_auto_purchase_service.py
@@ -13,7 +13,7 @@ from sqlalchemy.ext.asyncio import AsyncSession
 from app.config import settings
 from app.database.crud.subscription import extend_subscription
 from app.database.crud.transaction import create_transaction
-from app.database.crud.user import subtract_user_balance
+from app.database.crud.user import get_user_by_id, subtract_user_balance
 from app.database.models import Subscription, TransactionType, User
 from app.localization.texts import get_texts
 from app.services.admin_notification_service import AdminNotificationService
@@ -73,6 +73,17 @@ async def _prepare_auto_purchase(
         )
         return None
 
+    # Перезагружаем user с нужными связями (user_promo_groups),
+    # т.к. после db.refresh() в payment-сервисах связи сбрасываются
+    fresh_user = await get_user_by_id(db, user.id)
+    if not fresh_user:
+        logger.warning(
+            "🔁 Автопокупка: не удалось перезагрузить пользователя %s",
+            user.telegram_id,
+        )
+        return None
+    user = fresh_user
+
     miniapp_service = MiniAppSubscriptionPurchaseService()
     context = await miniapp_service.build_options(db, user)
 
diff --git a/tests/services/test_subscription_auto_purchase_service.py b/tests/services/test_subscription_auto_purchase_service.py
index 123b0cdc..d1a1fd49 100644
--- a/tests/services/test_subscription_auto_purchase_service.py
+++ b/tests/services/test_subscription_auto_purchase_service.py
@@ -172,6 +172,11 @@ async def test_auto_purchase_saved_cart_after_topup_success(monkeypatch):
         "app.services.subscription_auto_purchase_service.AdminNotificationService",
         lambda bot: admin_service_mock,
     )
+    # Мокаем get_user_by_id чтобы вернуть того же user
+    monkeypatch.setattr(
+        "app.services.subscription_auto_purchase_service.get_user_by_id",
+        AsyncMock(return_value=user),
+    )
 
     bot = AsyncMock()
     db_session = AsyncMock(spec=AsyncSession)