diff --git a/app/src/main/java/to/bitkit/repositories/ContactPaymentSettingsRepo.kt b/app/src/main/java/to/bitkit/repositories/ContactPaymentSettingsRepo.kt
index 9603d6ca08..529d71c5d3 100644
--- a/app/src/main/java/to/bitkit/repositories/ContactPaymentSettingsRepo.kt
+++ b/app/src/main/java/to/bitkit/repositories/ContactPaymentSettingsRepo.kt
@@ -76,7 +76,9 @@ class ContactPaymentSettingsRepo @Inject constructor(
 
     private suspend fun enable(contacts: List<String>): Result<Unit> {
         val previous = settingsStore.data.first()
-        val canUsePrivateContactPayments = privatePaykitRepo.hasPrivatePaymentAccess()
+        val canUsePrivateContactPayments = runSuspendCatching {
+            privatePaykitRepo.hasPrivatePaymentAccess()
+        }.getOrElse { return Result.failure(it) }
         return runSuspendCatching {
             settingsStore.update {
                 it.copy(
diff --git a/app/src/main/java/to/bitkit/repositories/PrivatePaykitRepo.kt b/app/src/main/java/to/bitkit/repositories/PrivatePaykitRepo.kt
index a539365f76..14d4f417bd 100644
--- a/app/src/main/java/to/bitkit/repositories/PrivatePaykitRepo.kt
+++ b/app/src/main/java/to/bitkit/repositories/PrivatePaykitRepo.kt
@@ -153,7 +153,7 @@ class PrivatePaykitRepo @Inject constructor(
     suspend fun reconcileReservedReceiveIndexes(): Result<Unit> =
         addressReservationRepo.reconcileReservedIndexesWithLdk()
 
-    suspend fun hasPrivatePaymentAccess(): Boolean = hasPrivatePaymentAccessForCurrentProfile()
+    suspend fun hasPrivatePaymentAccess(): Boolean = paykitSdkService.hasPrivatePaymentAccess()
 
     suspend fun prepareSavedContacts(
         publicKeys: Collection<String>,
diff --git a/app/src/test/java/to/bitkit/repositories/ContactPaymentSettingsRepoTest.kt b/app/src/test/java/to/bitkit/repositories/ContactPaymentSettingsRepoTest.kt
index cbbf15cafe..2245d3402a 100644
--- a/app/src/test/java/to/bitkit/repositories/ContactPaymentSettingsRepoTest.kt
+++ b/app/src/test/java/to/bitkit/repositories/ContactPaymentSettingsRepoTest.kt
@@ -19,6 +19,7 @@ import org.mockito.kotlin.inOrder
 import org.mockito.kotlin.mock
 import org.mockito.kotlin.never
 import org.mockito.kotlin.verify
+import org.mockito.kotlin.verifyNoInteractions
 import org.mockito.kotlin.whenever
 import to.bitkit.data.SettingsData
 import to.bitkit.data.SettingsStore
@@ -108,6 +109,62 @@ class ContactPaymentSettingsRepoTest : BaseUnitTest() {
         verify(pubkyRepo, never()).hasSecretKey()
     }
 
+    @Test
+    fun `failed access check preserves settings and allows retry`() = test {
+        val previous = SettingsData(
+            sharesPrivatePaykitEndpoints = true,
+            publicPaykitLightningEnabled = false,
+            publicPaykitOnchainEnabled = false,
+        )
+        settingsFlow.value = previous
+        val failure = ContactPaymentSettingsTestError("Paykit unavailable")
+        var accessAvailable = false
+        whenever(privatePaykitRepo.hasPrivatePaymentAccess()).thenAnswer {
+            if (!accessAvailable) throw failure
+            true
+        }
+        val sut = createSut()
+
+        assertSame(failure, sut.setEnabled(true).exceptionOrNull())
+        assertEquals(previous, settingsFlow.value)
+        verify(settingsStore, never()).update(any())
+        verifyNoInteractions(publicPaykitRepo)
+        verify(privatePaykitRepo, never()).enableSharingAndPrepareSavedContacts(any<Collection<String>>())
+        verify(privatePaykitRepo, never()).disableSharingAndPruneUnsavedContactState(any<Collection<String>>())
+
+        accessAvailable = true
+
+        assertTrue(sut.setEnabled(true).isSuccess)
+        assertTrue(settingsFlow.value.sharesPrivatePaykitEndpoints)
+        verify(publicPaykitRepo).syncPublishedEndpoints(publish = true)
+        verify(privatePaykitRepo).enableSharingAndPrepareSavedContacts(listOf(CONTACT_KEY))
+    }
+
+    @Test
+    fun `cancelling access check leaves settings unchanged and releases sharing lock`() = test {
+        var waitForAccess = true
+        whenever(privatePaykitRepo.hasPrivatePaymentAccess()).doSuspendableAnswer {
+            if (waitForAccess) awaitCancellation()
+            true
+        }
+        val previous = settingsFlow.value
+        val sut = createSut()
+        val enable = async { sut.setEnabled(true) }
+        runCurrent()
+        verify(privatePaykitRepo).hasPrivatePaymentAccess()
+
+        enable.cancelAndJoin()
+
+        assertEquals(previous, settingsFlow.value)
+        verify(settingsStore, never()).update(any())
+        verifyNoInteractions(publicPaykitRepo)
+        verify(privatePaykitRepo, never()).enableSharingAndPrepareSavedContacts(any<Collection<String>>())
+        verify(privatePaykitRepo, never()).disableSharingAndPruneUnsavedContactState(any<Collection<String>>())
+        waitForAccess = false
+
+        assertTrue(sut.setEnabled(true).isSuccess)
+    }
+
     @Test
     fun `failed publication restores disabled settings`() = test {
         whenever { publicPaykitRepo.syncPublishedEndpoints(publish = true) }
diff --git a/app/src/test/java/to/bitkit/repositories/PrivatePaykitRepoTest.kt b/app/src/test/java/to/bitkit/repositories/PrivatePaykitRepoTest.kt
index 163098c5a6..1eebb5a291 100644
--- a/app/src/test/java/to/bitkit/repositories/PrivatePaykitRepoTest.kt
+++ b/app/src/test/java/to/bitkit/repositories/PrivatePaykitRepoTest.kt
@@ -260,17 +260,19 @@ class PrivatePaykitRepoTest : BaseUnitTest(StandardTestDispatcher()) {
     }
 
     @Test
-    fun `hasPrivatePaymentAccess returns false when the SDK check fails`() = test {
-        var accessFails = true
-        whenever(paykitSdkService.hasPrivatePaymentAccess()).thenAnswer {
-            check(!accessFails) { "Paykit unavailable" }
-            true
+    fun `hasPrivatePaymentAccess propagates SDK errors and cancellation`() = test {
+        val failures = listOf(AppError("Paykit unavailable"), CancellationException("Cancelled"))
+        var failure: Throwable = failures.first()
+        whenever(paykitSdkService.hasPrivatePaymentAccess()).thenAnswer { throw failure }
+        for (nextFailure in failures) {
+            failure = nextFailure
+            assertEquals(failure, assertFailsWith<Throwable> { sut.hasPrivatePaymentAccess() })
         }
+    }
 
-        assertFalse(sut.hasPrivatePaymentAccess())
-
+    @Test
+    fun `prepareSavedContacts propagates identity errors and cancellation`() = test {
         settingsData.value = SettingsData(sharesPrivatePaykitEndpoints = true, publicPaykitLightningEnabled = false)
-        accessFails = false
         val failures = listOf(AppError("Identity unavailable"), CancellationException("Cancelled"))
         var failure: Throwable = failures.first()
         whenever(paykitSdkService.identityStatus()).thenAnswer { throw failure }
diff --git a/changelog.d/next/1444.fixed.md b/changelog.d/next/1444.fixed.md
new file mode 100644
index 0000000000..1499325ef7
--- /dev/null
+++ b/changelog.d/next/1444.fixed.md
@@ -0,0 +1 @@
+Contact payment setup now reports temporary access failures instead of silently disabling private payments.