diff --git a/apps/pay/src/monitor.ts b/apps/pay/src/monitor.ts
index 695573a..5e96310 100644
--- a/apps/pay/src/monitor.ts
+++ b/apps/pay/src/monitor.ts
@@ -121,13 +121,20 @@ async function handleTxEvent(event: any) {
     console.log(`SSE: tx ${txHash} for payment ${payment.id}: +${txValue} ${payment.coin}`);
 
     // Insert into payment_txs (ignore duplicate)
-    await sql`
+    const [inserted] = await sql`
       INSERT INTO payment_txs (payment_id, txid, amount)
       VALUES (${payment.id}, ${txHash}, ${txValue.toFixed(8)})
       ON CONFLICT (payment_id, txid) DO NOTHING
+      RETURNING id
     `;
     txidToPayment.set(txHash, payment.id);
 
+    // Extend expiry to 24h on first tx detection
+    if (inserted) {
+      const newExpiry = new Date(Date.now() + 24 * 60 * 60 * 1000);
+      await sql`UPDATE payments SET expires_at = ${newExpiry.toISOString()} WHERE id = ${payment.id} AND expires_at < ${newExpiry.toISOString()}`;
+    }
+
     // Recalculate total received
     const [{ total }] = await sql`
       SELECT COALESCE(SUM(amount::numeric), 0) as total FROM payment_txs WHERE payment_id = ${payment.id}
@@ -252,16 +259,24 @@ export async function checkPayments() {
       const threshold = expected * THRESHOLD;
 
       // Sync txs from address info into payment_txs
+      let newTxDetected = false;
       if (info.in?.length) {
         for (const tx of info.in) {
           if (!tx.txid) continue;
-          await sql`
+          const [ins] = await sql`
             INSERT INTO payment_txs (payment_id, txid, amount, confirmed)
             VALUES (${payment.id}, ${tx.txid}, ${String(tx.amount ?? 0)}, ${tx.block != null})
             ON CONFLICT (payment_id, txid) DO UPDATE SET confirmed = EXCLUDED.confirmed
+            RETURNING id
           `;
+          if (ins) newTxDetected = true;
         }
       }
+      // Extend expiry to 24h on first tx detection
+      if (newTxDetected) {
+        const newExpiry = new Date(Date.now() + 24 * 60 * 60 * 1000);
+        await sql`UPDATE payments SET expires_at = ${newExpiry.toISOString()} WHERE id = ${payment.id} AND expires_at < ${newExpiry.toISOString()}`;
+      }
 
       if (payment.status === "pending" || payment.status === "underpaid") {
         if (coin.confirmations === 0 && received >= threshold) {
diff --git a/apps/web/src/views/checkout.ejs b/apps/web/src/views/checkout.ejs
index f5877bc..83b9b78 100644
--- a/apps/web/src/views/checkout.ejs
+++ b/apps/web/src/views/checkout.ejs
@@ -298,8 +298,14 @@
     } else if (status === 'confirming') {
       document.getElementById('pay-status').innerHTML = `
         <span class="w-2 h-2 rounded-full bg-blue-500 animate-pulse"></span>
-        <span class="text-blue-400">Transaction detected, waiting for confirmation...</span>
+        <span class="text-blue-400">Transaction received, waiting for 1 confirmation...</span>
       `;
+      // Replace QR with loading spinner
+      document.getElementById('pay-qr').replaceWith(Object.assign(document.createElement('div'), {
+        id: 'pay-qr',
+        className: 'w-48 h-48 mx-auto rounded-lg bg-gray-800 flex items-center justify-center',
+        innerHTML: '<svg class="w-10 h-10 text-blue-500 animate-spin" fill="none" viewBox="0 0 24 24"><circle class="opacity-25" cx="12" cy="12" r="10" stroke="currentColor" stroke-width="4"/><path class="opacity-75" fill="currentColor" d="M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4z"/></svg>',
+      }));
       syncTxids(data);
     } else if (status === 'paid') {
       clearInterval(pollInterval);