diff --git a/apps/pay/src/monitor.ts b/apps/pay/src/monitor.ts
index da78c3c..12ede7f 100644
--- a/apps/pay/src/monitor.ts
+++ b/apps/pay/src/monitor.ts
@@ -207,8 +207,9 @@ async function checkPending(payment: any) {
   const coin = COINS[payment.coin];
   if (!coin) return;
 
-  const expectedSats = cryptoToSats(payment.coin, payment.amount_crypto);
-  const threshold = expectedSats * 0.995;
+  const multiplier = payment.coin === "xec" ? 100 : 1e8;
+  const expectedCrypto = parseFloat(payment.amount_crypto);
+  const threshold = expectedCrypto * 0.995;
 
   const confirmed = sumReceived(info, true);
   const total = sumReceived(info, false);