diff --git a/driver-pwa/frontend/src/api/driver.ts b/driver-pwa/frontend/src/api/driver.ts
index 68dc072..19af05a 100644
--- a/driver-pwa/frontend/src/api/driver.ts
+++ b/driver-pwa/frontend/src/api/driver.ts
@@ -15,6 +15,7 @@ export const TopupSchema = z.object({
   order_id: z.string(), pay_url: z.string(), commission: z.number(), total: z.number(),
 });
 export const PaymentStateSchema = z.object({ order_id: z.string(), status: z.string() });
+export const CommissionSchema = z.object({ rate: z.number() });
 export const PaymentsSchema = z.object({
   payments: z.array(z.object({
     order_id: z.string(), bucket: z.string(), amount: z.number(), commission: z.number(),
@@ -35,3 +36,5 @@ export const getPaymentState = async (orderId: string) =>
   PaymentStateSchema.parse(await api.get(`driver/payment/${orderId}`).json());
 export const getPayments = async () =>
   PaymentsSchema.parse(await api.get("driver/payments").json());
+export const getCommission = async () =>
+  CommissionSchema.parse(await api.get("driver/commission").json());
diff --git a/driver-pwa/frontend/src/pages/TopupPage.test.tsx b/driver-pwa/frontend/src/pages/TopupPage.test.tsx
index 01b367a..2e46485 100644
--- a/driver-pwa/frontend/src/pages/TopupPage.test.tsx
+++ b/driver-pwa/frontend/src/pages/TopupPage.test.tsx
@@ -2,14 +2,23 @@ import { describe, it, expect, vi } from "vitest";
 import { render, screen } from "@testing-library/react";
 import userEvent from "@testing-library/user-event";
 import { MemoryRouter } from "react-router-dom";
+import { QueryClient, QueryClientProvider } from "@tanstack/react-query";
 
 vi.mock("@/api/driver", () => ({
   topup: vi.fn(async () => ({ order_id: "o9", pay_url: "https://qr.nspk.ru/x", commission: 52, total: 1052 })),
+  getCommission: vi.fn(async () => ({ rate: 0.052 })),
 }));
 import { TopupPage } from "./TopupPage";
 import * as driver from "@/api/driver";
 
-const wrap = () => render(<MemoryRouter><TopupPage /></MemoryRouter>);
+const wrap = () => {
+  const qc = new QueryClient();
+  return render(
+    <QueryClientProvider client={qc}>
+      <MemoryRouter><TopupPage /></MemoryRouter>
+    </QueryClientProvider>
+  );
+};
 
 describe("TopupPage", () => {
   it("keypad builds amount, shows total, and submits topup", async () => {
diff --git a/driver-pwa/frontend/src/pages/TopupPage.tsx b/driver-pwa/frontend/src/pages/TopupPage.tsx
index a213614..2c56620 100644
--- a/driver-pwa/frontend/src/pages/TopupPage.tsx
+++ b/driver-pwa/frontend/src/pages/TopupPage.tsx
@@ -1,14 +1,14 @@
 import { useState } from "react";
 import { useLocation, useNavigate } from "react-router-dom";
+import { useQuery } from "@tanstack/react-query";
 import { Delete } from "lucide-react";
 import { toast } from "sonner";
-import { topup } from "@/api/driver";
+import { topup, getCommission } from "@/api/driver";
 import { keypadReduce, withCommission } from "@/lib/amount";
 import { formatMoney } from "@/lib/format";
 import { Segment } from "@/components/Segment";
 import { Spinner } from "@/components/Spinner";
 
-const RATE = 0.052;
 const QUICK = ["500", "1000", "2000"];
 const KEYS = ["1", "2", "3", "4", "5", "6", "7", "8", "9", "·", "0", "back"];
 
@@ -19,9 +19,11 @@ export function TopupPage() {
   const [raw, setRaw] = useState("");
   const [method, setMethod] = useState("qr");
   const [busy, setBusy] = useState(false);
+  const { data: commission } = useQuery({ queryKey: ["commission"], queryFn: getCommission });
+  const rate = commission?.rate ?? 0.052; // fallback only while loading
 
   const base = raw ? parseInt(raw, 10) : 0;
-  const { commission, total } = withCommission(base, RATE);
+  const { commission: fee, total } = withCommission(base, rate);
 
   function press(k: string) {
     if (k === "·") return;
@@ -46,7 +48,7 @@ export function TopupPage() {
       <button className="text-muted text-xs mb-3" onClick={() => nav(-1)}>‹ {bucket}</button>
       <p data-testid="amount" className="text-3xl font-extrabold text-center mt-2">{formatMoney(base)}</p>
       <p data-testid="total" className="text-muted text-xs text-center mb-3">
-        к оплате {formatMoney(total)} (комиссия {formatMoney(commission)})
+        к оплате {formatMoney(total)} (комиссия {formatMoney(fee)})
       </p>
 
       <div className="flex gap-1.5 mb-3">