diff --git a/api/stripe/createPaymentIntent.cfm b/api/stripe/createPaymentIntent.cfm
index 4fc9ccb..41f8cf2 100644
--- a/api/stripe/createPaymentIntent.cfm
+++ b/api/stripe/createPaymentIntent.cfm
@@ -7,9 +7,10 @@
  * Create Payment Intent for Order (v2 - with Payfrit fee structure)
  *
  * Fee Structure:
- *   - Customer pays: Subtotal + tax + tip + 5% Payfrit fee + card processing (2.9% + $0.30)
- *   - Restaurant receives: Subtotal - 5% Payfrit fee + tax + tip
- *   - Payfrit receives: 10% of subtotal (5% from customer + 5% from restaurant)
+ *   - Fee rate read from Businesses.PayfritFee column (e.g., 0.065 = 6.5%)
+ *   - Customer pays: Subtotal + tax + tip + PayfritFee% + card processing (2.9% + $0.30)
+ *   - Restaurant receives: Subtotal - PayfritFee% + tax + tip
+ *   - Payfrit receives: 2x PayfritFee% of subtotal (from customer + business)
  *
  * POST: {
  *   BusinessID: int,
@@ -109,10 +110,14 @@ try {
     hasStripeConnect = qBusiness.StripeOnboardingComplete == 1 && len(trim(qBusiness.StripeAccountID)) > 0;
 
     // ============================================================
-    // FEE CALCULATION
+    // FEE CALCULATION (from Businesses.PayfritFee)
     // ============================================================
-    // Customer fee from database (PayfritFee), default 5% if not set
-    customerFeePercent = isNumeric(qBusiness.PayfritFee) && qBusiness.PayfritFee > 0 ? qBusiness.PayfritFee : 0.05;
+    if (!isNumeric(qBusiness.PayfritFee) || qBusiness.PayfritFee <= 0) {
+        response["ERROR"] = "Business PayfritFee not configured";
+        writeOutput(serializeJSON(response));
+        abort;
+    }
+    customerFeePercent = qBusiness.PayfritFee;
     businessFeePercent = customerFeePercent;   // Business fee mirrors customer fee
     cardFeePercent = 0.029;      // 2.9% Stripe fee
     cardFeeFixed = 0.30;         // $0.30 Stripe fixed fee