diff --git a/app/services/payment/pal24.py b/app/services/payment/pal24.py
index 7b1d9a1e..ab2da960 100644
--- a/app/services/payment/pal24.py
+++ b/app/services/payment/pal24.py
@@ -64,7 +64,7 @@ class Pal24PaymentMixin:
         }
 
         normalized_payment_method = self._normalize_payment_method(payment_method)
-        pal24_payment_method = self._map_payment_method_for_api(normalized_payment_method)
+        api_payment_method = self._map_api_payment_method(normalized_payment_method)
 
         payment_module = import_module("app.services.payment_service")
 
@@ -77,7 +77,7 @@ class Pal24PaymentMixin:
                 ttl_seconds=ttl_seconds,
                 custom_payload=custom_payload,
                 payer_email=payer_email,
-                payment_method=pal24_payment_method,
+                payment_method=api_payment_method,
             )
         except Pal24APIError as error:
             logger.error("Ошибка Pal24 API при создании счета: %s", error)
@@ -531,10 +531,12 @@ class Pal24PaymentMixin:
         return mapping.get(normalized, "sbp")
 
     @staticmethod
-    def _map_payment_method_for_api(normalized_method: str) -> Optional[str]:
-        mapping = {
+    def _map_api_payment_method(normalized_payment_method: str) -> Optional[str]:
+        """Преобразует нормализованный метод оплаты в значение для Pal24 API."""
+
+        api_mapping = {
             "sbp": "fast_payment",
             "card": "bank_card",
         }
 
-        return mapping.get(normalized_method)
+        return api_mapping.get(normalized_payment_method)
diff --git a/tests/services/test_payment_service_pal24.py b/tests/services/test_payment_service_pal24.py
index b3e820f5..e93bf929 100644
--- a/tests/services/test_payment_service_pal24.py
+++ b/tests/services/test_payment_service_pal24.py
@@ -104,8 +104,8 @@ async def test_create_pal24_payment_success(monkeypatch: pytest.MonkeyPatch) ->
     assert result["payment_method"] == "card"
     assert result["link_url"] == "https://pal24/sbp"
     assert result["card_url"] == "https://pal24/card"
+    assert stub.calls and stub.calls[0]["payment_method"] == "bank_card"
     assert stub.calls and stub.calls[0]["amount_kopeks"] == 50000
-    assert stub.calls[0]["payment_method"] == "bank_card"
     assert "links" in captured_args["metadata"]
 
 
@@ -124,20 +124,21 @@ async def test_create_pal24_payment_default_method(monkeypatch: pytest.MonkeyPat
         fake_create_pal24_payment,
         raising=False,
     )
+
     monkeypatch.setattr(settings, "PAL24_MIN_AMOUNT_KOPEKS", 1000, raising=False)
     monkeypatch.setattr(settings, "PAL24_MAX_AMOUNT_KOPEKS", 1_000_000, raising=False)
 
     result = await service.create_pal24_payment(
         db=db,
         user_id=42,
-        amount_kopeks=150000,
+        amount_kopeks=10_000,
         description="Пополнение",
         language="ru",
     )
 
     assert result is not None
-    assert result["payment_method"] == "sbp"
     assert stub.calls and stub.calls[0]["payment_method"] == "fast_payment"
+    assert result["payment_method"] == "sbp"
 
 
 @pytest.mark.anyio("asyncio")