refactor: move cryptopay env-config into module

backend/bot/app/web/admin_settings_manifest.py

@@ -279,31 +279,6 @@ SETTINGS_MANIFEST: List[SettingField] = [
     SettingField("PLATEGA_FAILED_URL", "url", "payments", "Failed URL", subsection="Platega"),
     *_payment_presentation_fields("PLATEGA_SBP", "Platega SBP", default_icon="CreditCard"),
     *_payment_presentation_fields("PLATEGA_CRYPTO", "Platega Crypto", default_icon="Bitcoin"),
-    # CryptoPay
-    SettingField("CRYPTOPAY_ENABLED", "bool", "payments", "Включена", subsection="CryptoPay"),
-    SettingField(
-        "CRYPTOPAY_TOKEN", "string", "payments", "Token", subsection="CryptoPay", secret=True
-    ),
-    SettingField(
-        "CRYPTOPAY_NETWORK",
-        "string",
-        "payments",
-        "Network",
-        "mainnet или testnet",
-        subsection="CryptoPay",
-    ),
-    SettingField(
-        "CRYPTOPAY_CURRENCY_TYPE",
-        "string",
-        "payments",
-        "Currency type",
-        "fiat или crypto",
-        subsection="CryptoPay",
-    ),
-    SettingField(
-        "CRYPTOPAY_ASSET", "string", "payments", "Asset", placeholder="RUB", subsection="CryptoPay"
-    ),
-    *_payment_presentation_fields("CRYPTOPAY", "CryptoPay", default_icon="Bitcoin"),
     # ─── Trial ─────────────────────────────────────────────────────
     SettingField("TRIAL_ENABLED", "bool", "trial", "Триал включён"),
     SettingField("TRIAL_DURATION_DAYS", "int", "trial", "Длительность триала (дней)", min=0),

backend/bot/payment_providers/base.py

@@ -1,11 +1,25 @@
 from __future__ import annotations
 
+import os
 from dataclasses import dataclass, field
 from typing import Any, Awaitable, Callable, List, Mapping, Optional, Sequence, Type
 
 from pydantic_settings import BaseSettings, SettingsConfigDict
 
 
+def provider_env_file() -> Optional[str]:
+    """Resolve the env file every provider config should read.
+
+    Tests set ``PROVIDER_ENV_FILE=""`` via conftest so per-provider
+    BaseSettings models don't pick up real credentials from the project's
+    .env. Production reads from ``.env`` as usual.
+    """
+    value = os.environ.get("PROVIDER_ENV_FILE")
+    if value is None:
+        return ".env"
+    return value or None
+
+
 class ProviderEnvConfig(BaseSettings):
     """Base class for per-provider env-config models.
 

backend/bot/payment_providers/cryptopay.py

@@ -8,6 +8,8 @@ from aiocryptopay import AioCryptoPay, Networks
 from aiocryptopay.models.update import Update
 from aiogram import Bot, F, Router, types
 from aiohttp import web
+from pydantic import Field, field_validator
+from pydantic_settings import SettingsConfigDict
 from sqlalchemy.ext.asyncio import AsyncSession
 from sqlalchemy.orm import sessionmaker
 
@@ -17,7 +19,14 @@ from bot.services.subscription_service import SubscriptionService
 from config.settings import Settings
 from db.dal import payment_dal
 
-from .base import PaymentProviderSpec, ServiceFactoryContext, WebAppPaymentContext
+from .base import (
+    PaymentProviderSpec,
+    ProviderEnvConfig,
+    ProviderManifestField,
+    ServiceFactoryContext,
+    WebAppPaymentContext,
+    provider_env_file,
+)
 from .shared import (
     PaymentSuccessRequest,
     describe_payment,
@@ -38,13 +47,54 @@ logger = logging.getLogger(__name__)
 _LOG = "cryptopay"
 
 
+class CryptoPayConfig(ProviderEnvConfig):
+    model_config = SettingsConfigDict(
+        env_file=provider_env_file(),
+        env_file_encoding="utf-8",
+        env_prefix="CRYPTOPAY_",
+        extra="ignore",
+    )
+
+    ENABLED: bool = Field(default=True)
+    TOKEN: Optional[str] = None
+    NETWORK: str = Field(default="mainnet")
+    CURRENCY_TYPE: str = Field(default="fiat")
+    ASSET: str = Field(default="RUB")
+
+    @field_validator("TOKEN", mode="before")
+    @classmethod
+    def _strip_optional(cls, v):
+        if isinstance(v, str) and not v.strip():
+            return None
+        return v
+
+    @property
+    def webhook_path(self) -> str:
+        return "/webhook/cryptopay"
+
+
+class CryptoPayPresentation(ProviderEnvConfig):
+    model_config = SettingsConfigDict(
+        env_file=provider_env_file(),
+        env_file_encoding="utf-8",
+        env_prefix="PAYMENT_CRYPTOPAY_",
+        extra="ignore",
+    )
+
+    WEBAPP_LABEL_RU: Optional[str] = None
+    WEBAPP_LABEL_EN: Optional[str] = None
+    WEBAPP_ICON: Optional[str] = None
+    TELEGRAM_LABEL_RU: Optional[str] = None
+    TELEGRAM_LABEL_EN: Optional[str] = None
+    TELEGRAM_EMOJI: Optional[str] = None
+
+
 class CryptoPayService:
     def __init__(
         self,
-        token: Optional[str],
-        network: str,
         bot: Bot,
         settings: Settings,
+        config: CryptoPayConfig,
         i18n: JsonI18n,
         async_session_factory: sessionmaker,
         subscription_service: SubscriptionService,
@@ -52,14 +102,15 @@ class CryptoPayService:
     ):
         self.bot = bot
         self.settings = settings
+        self.config = config
         self.i18n = i18n
         self.async_session_factory = async_session_factory
         self.subscription_service = subscription_service
         self.referral_service = referral_service
-        self.token = token
+        self.token = config.TOKEN
-        if token:
+        if self.token:
-            net = Networks.TEST_NET if str(network).lower() == "testnet" else Networks.MAIN_NET
+            net = Networks.TEST_NET if str(config.NETWORK).lower() == "testnet" else Networks.MAIN_NET
-            self.client = AioCryptoPay(token=token, network=net)
+            self.client = AioCryptoPay(token=self.token, network=net)
             self.client.register_pay_handler(self._invoice_paid_handler)
             self.configured = True
         else:
@@ -97,7 +148,7 @@ class CryptoPayService:
                 {
                     "user_id": user_id,
                     "amount": float(amount),
-                    "currency": self.settings.CRYPTOPAY_ASSET,
+                    "currency": self.config.ASSET,
                     "status": "pending_cryptopay",
                     "description": description,
                     "subscription_duration_months": (
@@ -127,13 +178,9 @@ class CryptoPayService:
         try:
             invoice = await self.client.create_invoice(
                 amount=amount,
-                currency_type=self.settings.CRYPTOPAY_CURRENCY_TYPE,
+                currency_type=self.config.CURRENCY_TYPE,
-                fiat=self.settings.CRYPTOPAY_ASSET
+                fiat=self.config.ASSET if self.config.CURRENCY_TYPE == "fiat" else None,
-                if self.settings.CRYPTOPAY_CURRENCY_TYPE == "fiat"
+                asset=self.config.ASSET if self.config.CURRENCY_TYPE == "crypto" else None,
-                else None,
-                asset=self.settings.CRYPTOPAY_ASSET
-                if self.settings.CRYPTOPAY_CURRENCY_TYPE == "crypto"
-                else None,
                 description=description,
                 payload=payload,
             )
@@ -284,8 +331,7 @@ async def pay_crypto_callback_handler(
         return
 
     if (
-        not settings.CRYPTOPAY_ENABLED
+        not cryptopay_service
-        or not cryptopay_service
         or not getattr(cryptopay_service, "configured", False)
     ):
         await notify_service_unavailable(callback, translator)
@@ -324,15 +370,16 @@ async def pay_crypto_callback_handler(
 
 
 def create_service(ctx: ServiceFactoryContext) -> CryptoPayService:
+    bundle = ctx.config_for("cryptopay_service")
+    config = bundle.config if bundle and isinstance(bundle.config, CryptoPayConfig) else CryptoPayConfig()
     return CryptoPayService(
-        ctx.settings.CRYPTOPAY_TOKEN,
+        bot=ctx.bot,
-        ctx.settings.CRYPTOPAY_NETWORK,
+        settings=ctx.settings,
-        ctx.bot,
+        config=config,
-        ctx.settings,
+        i18n=ctx.i18n,
-        ctx.i18n,
+        async_session_factory=ctx.async_session_factory,
-        ctx.async_session_factory,
+        subscription_service=ctx.subscription_service,
-        ctx.subscription_service,
+        referral_service=ctx.referral_service,
-        ctx.referral_service,
     )
 
 
@@ -354,6 +401,45 @@ async def create_webapp_payment(ctx: WebAppPaymentContext) -> web.Response:
     return payment_link_response(payment_url=url, payment_id=None)
 
 
+_PRESENTATION_MANIFEST = tuple(
+    ProviderManifestField(
+        key=key, type=type_, label=label, description=description,
+        placeholder=placeholder, subsection="CryptoPay",
+        target="presentation", attr=attr,
+    )
+    for key, type_, label, description, placeholder, attr in (
+        ("PAYMENT_CRYPTOPAY_WEBAPP_LABEL_RU", "string", "WebApp button text (RU)",
+         "Custom Russian text shown in the Web App payment method button.", "", "WEBAPP_LABEL_RU"),
+        ("PAYMENT_CRYPTOPAY_WEBAPP_LABEL_EN", "string", "WebApp button text (EN)",
+         "Custom English text shown in the Web App payment method button.", "", "WEBAPP_LABEL_EN"),
+        ("PAYMENT_CRYPTOPAY_WEBAPP_ICON", "icon", "WebApp button icon",
+         "Lucide icon name rendered inside the Web App payment method button.",
+         "Bitcoin", "WEBAPP_ICON"),
+        ("PAYMENT_CRYPTOPAY_TELEGRAM_LABEL_RU", "string", "Telegram button text (RU)",
+         "Custom Russian text shown in Telegram bot payment buttons.", "", "TELEGRAM_LABEL_RU"),
+        ("PAYMENT_CRYPTOPAY_TELEGRAM_LABEL_EN", "string", "Telegram button text (EN)",
+         "Custom English text shown in Telegram bot payment buttons.", "", "TELEGRAM_LABEL_EN"),
+        ("PAYMENT_CRYPTOPAY_TELEGRAM_EMOJI", "string", "Telegram button emoji",
+         "Emoji prepended to the Telegram bot payment button when customized.",
+         "₿", "TELEGRAM_EMOJI"),
+    )
+)
+
+_CONFIG_MANIFEST = (
+    ProviderManifestField("CRYPTOPAY_ENABLED", "bool", "Включена",
+                          subsection="CryptoPay", attr="ENABLED"),
+    ProviderManifestField("CRYPTOPAY_TOKEN", "string", "Token",
+                          subsection="CryptoPay", secret=True, attr="TOKEN"),
+    ProviderManifestField("CRYPTOPAY_NETWORK", "string", "Network",
+                          placeholder="mainnet", subsection="CryptoPay", attr="NETWORK"),
+    ProviderManifestField("CRYPTOPAY_CURRENCY_TYPE", "string", "Currency type",
+                          description="fiat or crypto.",
+                          placeholder="fiat", subsection="CryptoPay", attr="CURRENCY_TYPE"),
+    ProviderManifestField("CRYPTOPAY_ASSET", "string", "Asset",
+                          placeholder="RUB", subsection="CryptoPay", attr="ASSET"),
+)
+
+
 SPEC = PaymentProviderSpec(
     id="cryptopay",
     provider_key="cryptopay",
@@ -363,14 +449,17 @@ SPEC = PaymentProviderSpec(
     webapp_icon="Bitcoin",
     telegram_labels={"ru": "CryptoBot", "en": "CryptoBot"},
     pending_status="pending_cryptopay",
-    enabled=lambda settings: settings.CRYPTOPAY_ENABLED,
+    enabled=lambda config: bool(getattr(config, "ENABLED", False)),
     service_key="cryptopay_service",
     callback_prefix="pay_crypto",
     router=router,
     create_service=create_service,
-    webhook_path=lambda settings: settings.cryptopay_webhook_path,
+    webhook_path=lambda source: "/webhook/cryptopay",
     webhook_route=cryptopay_webhook_route,
     create_webapp_payment=create_webapp_payment,
     emoji="₿",
     telegram_emoji="₿",
+    config_class=CryptoPayConfig,
+    presentation_class=CryptoPayPresentation,
+    manifest_fields=_CONFIG_MANIFEST + _PRESENTATION_MANIFEST,
 )

backend/bot/payment_providers/freekassa.py

@@ -28,6 +28,7 @@ from .base import (
     ProviderManifestField,
     ServiceFactoryContext,
     WebAppPaymentContext,
+    provider_env_file,
 )
 from .shared import (
     HttpClientMixin,
@@ -56,7 +57,7 @@ _LOG = "freekassa"
 
 class FreeKassaConfig(ProviderEnvConfig):
     model_config = SettingsConfigDict(
-        env_file=".env",
+        env_file=provider_env_file(),
         env_file_encoding="utf-8",
         env_prefix="FREEKASSA_",
         extra="ignore",
@@ -104,7 +105,7 @@ class FreeKassaConfig(ProviderEnvConfig):
 
 class FreeKassaPresentation(ProviderEnvConfig):
     model_config = SettingsConfigDict(
-        env_file=".env",
+        env_file=provider_env_file(),
         env_file_encoding="utf-8",
         env_prefix="PAYMENT_FREEKASSA_",
         extra="ignore",

backend/bot/payment_providers/heleket.py

@@ -25,6 +25,7 @@ from .base import (
     ProviderManifestField,
     ServiceFactoryContext,
     WebAppPaymentContext,
+    provider_env_file,
 )
 from .shared import (
     HttpClientMixin,
@@ -60,7 +61,7 @@ class HeleketConfig(ProviderEnvConfig):
     """All Heleket-specific env vars. Lives inside the provider module."""
 
     model_config = SettingsConfigDict(
-        env_file=".env",
+        env_file=provider_env_file(),
         env_file_encoding="utf-8",
         env_prefix="HELEKET_",
         extra="ignore",
@@ -118,7 +119,7 @@ class HeleketPresentation(ProviderEnvConfig):
     """Admin-tunable button text/icon overrides for Heleket."""
 
     model_config = SettingsConfigDict(
-        env_file=".env",
+        env_file=provider_env_file(),
         env_file_encoding="utf-8",
         env_prefix="PAYMENT_HELEKET_",
         extra="ignore",

backend/bot/payment_providers/registry.py

@@ -50,6 +50,11 @@ def build_provider_configs() -> Dict[str, ProviderConfigBundle]:
     Specs with neither ``config_class`` nor ``presentation_class`` are skipped.
     The result is cached as the process-wide bundle.
     """
+    from .base import provider_env_file
+
+    env_file = provider_env_file()
+    init_kwargs = {"_env_file": env_file} if env_file is not None else {"_env_file": None}
+
     bundles: Dict[str, ProviderConfigBundle] = {}
     seen: set[str] = set()
     for spec in PAYMENT_PROVIDER_SPECS:
@@ -59,8 +64,8 @@ def build_provider_configs() -> Dict[str, ProviderConfigBundle]:
             continue
         seen.add(spec.service_key)
         bundles[spec.service_key] = ProviderConfigBundle(
-            config=spec.config_class() if spec.config_class else None,
+            config=spec.config_class(**init_kwargs) if spec.config_class else None,
-            presentation=spec.presentation_class() if spec.presentation_class else None,
+            presentation=spec.presentation_class(**init_kwargs) if spec.presentation_class else None,
         )
     _provider_configs.clear()
     _provider_configs.update(bundles)

backend/bot/payment_providers/severpay.py

@@ -24,6 +24,7 @@ from .base import (
     ProviderManifestField,
     ServiceFactoryContext,
     WebAppPaymentContext,
+    provider_env_file,
 )
 from .shared import (
     HttpClientMixin,
@@ -53,7 +54,7 @@ _LOG = "severpay"
 
 class SeverPayConfig(ProviderEnvConfig):
     model_config = SettingsConfigDict(
-        env_file=".env",
+        env_file=provider_env_file(),
         env_file_encoding="utf-8",
         env_prefix="SEVERPAY_",
         extra="ignore",
@@ -89,7 +90,7 @@ class SeverPayConfig(ProviderEnvConfig):
 
 class SeverPayPresentation(ProviderEnvConfig):
     model_config = SettingsConfigDict(
-        env_file=".env",
+        env_file=provider_env_file(),
         env_file_encoding="utf-8",
         env_prefix="PAYMENT_SEVERPAY_",
         extra="ignore",

backend/bot/payment_providers/wata.py

@@ -27,6 +27,7 @@ from .base import (
     ProviderManifestField,
     ServiceFactoryContext,
     WebAppPaymentContext,
+    provider_env_file,
 )
 from .shared import (
     HttpClientMixin,
@@ -58,7 +59,7 @@ _LOG = "wata"
 
 class WataConfig(ProviderEnvConfig):
     model_config = SettingsConfigDict(
-        env_file=".env",
+        env_file=provider_env_file(),
         env_file_encoding="utf-8",
         env_prefix="WATA_",
         extra="ignore",
@@ -103,7 +104,7 @@ class WataConfig(ProviderEnvConfig):
 
 class WataPresentation(ProviderEnvConfig):
     model_config = SettingsConfigDict(
-        env_file=".env",
+        env_file=provider_env_file(),
         env_file_encoding="utf-8",
         env_prefix="PAYMENT_WATA_",
         extra="ignore",

backend/config/settings.py

@@ -49,11 +49,6 @@ class PaymentSettings(BaseModel):
     platega_crypto_method: int
     platega_return_url: Optional[str]
     platega_failed_url: Optional[str]
-    cryptopay_enabled: bool
-    cryptopay_token: Optional[str]
-    cryptopay_network: str
-    cryptopay_currency_type: str
-    cryptopay_asset: str
 
 
 class EmailSettings(BaseModel):
@@ -187,11 +182,6 @@ class Settings(BaseSettings):
         description="Comma-separated list of reverse proxy IPs or CIDRs trusted to forward X-Forwarded-For.",  # noqa: E501
     )
 
-    CRYPTOPAY_TOKEN: Optional[str] = None
-    CRYPTOPAY_NETWORK: str = Field(default="mainnet")
-    CRYPTOPAY_CURRENCY_TYPE: str = Field(default="fiat")
-    CRYPTOPAY_ASSET: str = Field(default="RUB")
-    CRYPTOPAY_ENABLED: bool = Field(default=True)
     PLATEGA_ENABLED: bool = Field(default=False)
     PLATEGA_BASE_URL: str = Field(default="https://app.platega.io")
     PLATEGA_MERCHANT_ID: Optional[str] = None
@@ -249,12 +239,6 @@ class Settings(BaseSettings):
     PAYMENT_STARS_TELEGRAM_LABEL_RU: Optional[str] = None
     PAYMENT_STARS_TELEGRAM_LABEL_EN: Optional[str] = None
     PAYMENT_STARS_TELEGRAM_EMOJI: Optional[str] = None
-    PAYMENT_CRYPTOPAY_WEBAPP_LABEL_RU: Optional[str] = None
-    PAYMENT_CRYPTOPAY_WEBAPP_LABEL_EN: Optional[str] = None
-    PAYMENT_CRYPTOPAY_WEBAPP_ICON: Optional[str] = None
-    PAYMENT_CRYPTOPAY_TELEGRAM_LABEL_RU: Optional[str] = None
-    PAYMENT_CRYPTOPAY_TELEGRAM_LABEL_EN: Optional[str] = None
-    PAYMENT_CRYPTOPAY_TELEGRAM_EMOJI: Optional[str] = None
 
     MONTH_1_ENABLED: bool = Field(default=True, alias="1_MONTH_ENABLED")
     MONTH_3_ENABLED: bool = Field(default=True, alias="3_MONTHS_ENABLED")
@@ -513,11 +497,6 @@ class Settings(BaseSettings):
             platega_crypto_method=self.PLATEGA_CRYPTO_METHOD,
             platega_return_url=self.PLATEGA_RETURN_URL,
             platega_failed_url=self.PLATEGA_FAILED_URL,
-            cryptopay_enabled=self.CRYPTOPAY_ENABLED,
-            cryptopay_token=self.CRYPTOPAY_TOKEN,
-            cryptopay_network=self.CRYPTOPAY_NETWORK,
-            cryptopay_currency_type=self.CRYPTOPAY_CURRENCY_TYPE,
-            cryptopay_asset=self.CRYPTOPAY_ASSET,
         )
 
     @computed_field
@@ -656,18 +635,6 @@ class Settings(BaseSettings):
             return f"{base.rstrip('/')}{self.panel_webhook_path}"
         return None
 
-    @computed_field
-    @property
-    def cryptopay_webhook_path(self) -> str:
-        return "/webhook/cryptopay"
-
-    @computed_field
-    @property
-    def cryptopay_full_webhook_url(self) -> Optional[str]:
-        base = self.WEBHOOK_BASE_URL
-        if base:
-            return f"{base.rstrip('/')}{self.cryptopay_webhook_path}"
-        return None
 
 
     @computed_field

tests/conftest.py

@@ -0,0 +1,44 @@
+"""Test fixtures that isolate the suite from the developer's local .env.
+
+Provider configs now declare their own ``BaseSettings`` with ``env_file=".env"``,
+so a developer who runs ``pytest`` from a project that has real credentials in
+``.env`` would otherwise see provider services try to connect (e.g. CryptoPay
+spinning up an aiohttp session in __init__).
+
+We set ``PROVIDER_ENV_FILE=""`` (consumed by each provider's
+``ProviderEnvConfig.model_config["env_file"]`` factory) and strip real
+provider env vars from the test process.
+"""
+
+from __future__ import annotations
+
+import os
+
+import pytest
+
+
+@pytest.fixture(autouse=True)
+def _isolate_provider_env(monkeypatch):
+    monkeypatch.setenv("PROVIDER_ENV_FILE", "")
+    for key in list(os.environ.keys()):
+        if any(
+            key.startswith(prefix)
+            for prefix in (
+                "FREEKASSA_",
+                "PLATEGA_",
+                "SEVERPAY_",
+                "WATA_",
+                "HELEKET_",
+                "CRYPTOPAY_",
+                "YOOKASSA_",
+                "PAYMENT_FREEKASSA_",
+                "PAYMENT_PLATEGA_",
+                "PAYMENT_SEVERPAY_",
+                "PAYMENT_WATA_",
+                "PAYMENT_HELEKET_",
+                "PAYMENT_CRYPTOPAY_",
+                "PAYMENT_YOOKASSA_",
+                "PAYMENT_STARS_",
+            )
+        ):
+            monkeypatch.delenv(key, raising=False)

tests/test_build_services_wiring.py

@@ -13,11 +13,12 @@ silently swallows the wiring step.
 """
 
 import json
+import os
 import tempfile
 import unittest
 from pathlib import Path
 from typing import Any
-from unittest.mock import MagicMock
+from unittest.mock import MagicMock, patch
 
 from bot.app.factories.build_services import build_core_services
 from bot.payment_providers.yookassa import YooKassaService
@@ -26,6 +27,22 @@ from bot.services.subscription_service import SubscriptionService
 from config.settings import Settings
 
 
+# Strip all provider env so per-provider BaseSettings models don't pick up
+# real credentials from the local .env file during tests.
+_PROVIDER_ENV_PREFIXES = (
+    "FREEKASSA_", "PLATEGA_", "SEVERPAY_", "WATA_", "HELEKET_",
+    "CRYPTOPAY_", "YOOKASSA_", "STARS_",
+)
+
+
+def _clean_env() -> dict[str, str]:
+    return {
+        k: v for k, v in os.environ.items()
+        if not any(k.startswith(p) for p in _PROVIDER_ENV_PREFIXES)
+        and not k.startswith("PAYMENT_")
+    }
+
+
 def _make_settings(tmpdir: str, **overrides: Any) -> Settings:
     config_path = Path(tmpdir) / "tariffs.json"
     config_path.write_text(

tests/test_webapp_assets.py

@@ -332,15 +332,27 @@ class WebAppAssetTests(unittest.IsolatedAsyncioTestCase):
         self.assertEqual(plans[1]["stars_price"], 2500)
 
     def test_serialize_payment_methods_respects_runtime_provider_toggles(self):
+        # Provider toggles now live in per-provider BaseSettings models. Disable
+        # all providers by giving each one an empty bundle (default ENABLED is
+        # False for everything except cryptopay/yookassa, so override those too).
+        from bot.payment_providers import (
+            build_provider_configs,
+            current_provider_configs,
+        )
+
+        build_provider_configs()
+        configs = current_provider_configs()
+        for service_key in ("cryptopay_service", "yookassa_service"):
+            bundle = configs.get(service_key)
+            if bundle and bundle.config is not None and hasattr(bundle.config, "ENABLED"):
+                bundle.config.ENABLED = False
+
         settings = Settings(
             _env_file=None,
             BOT_TOKEN="token",
             POSTGRES_USER="app_user",
             POSTGRES_PASSWORD="app_password",
             TARIFFS_CONFIG_PATH="missing-tariffs.json",
-            CRYPTOPAY_ENABLED=False,
-            FREEKASSA_ENABLED=False,
-            SEVERPAY_ENABLED=False,
             YOOKASSA_ENABLED=False,
             PLATEGA_ENABLED=False,
             STARS_ENABLED=False,