diff --git a/app/services/payment/heleket.py b/app/services/payment/heleket.py
index ffff7b90..9149d0c6 100644
--- a/app/services/payment/heleket.py
+++ b/app/services/payment/heleket.py
@@ -362,6 +362,10 @@ class HeleketPaymentMixin:
             await db.commit()
             await db.refresh(user)
 
+        # Перезагружаем пользователя с зависимостями после коммита,
+        # чтобы избежать lazy load в async-контексте (MissingGreenlet)
+        user = await get_user_by_id(db, user.id) or user
+
         if getattr(self, 'bot', None):
             topup_status = '🆕 Первое пополнение' if was_first_topup else '🔄 Пополнение'
             referrer_info = format_referrer_info(user)
diff --git a/app/services/payment/wata.py b/app/services/payment/wata.py
index 3507034a..98c2f760 100644
--- a/app/services/payment/wata.py
+++ b/app/services/payment/wata.py
@@ -472,7 +472,10 @@ class WataPaymentMixin:
         user.balance_kopeks += payment.amount_kopeks
         user.updated_at = datetime.utcnow()
         await db.commit()
-        await db.refresh(user)
+        user = await payment_module.get_user_by_id(db, user.id)
+        if not user:
+            logger.error('Пользователь %s не найден после коммита WATA', payment.user_id)
+            return payment
 
         promo_group = user.get_primary_promo_group()
         subscription = getattr(user, 'subscription', None)