fix: apply persisted provider overrides on startup

backend/bot/payment_providers/registry.py

@@ -48,14 +48,24 @@ def get_provider_spec(method: str) -> Optional[PaymentProviderSpec]:
     return None
 
 
-def build_provider_configs() -> Dict[str, ProviderConfigBundle]:
+def build_provider_configs(*, force: bool = False) -> Dict[str, ProviderConfigBundle]:
     """Instantiate per-provider BaseSettings models declared on each SPEC.
 
     Returns a mapping ``service_key`` → ``ProviderConfigBundle(config, presentation)``.
     For SPECs that share a service (Platega SBP + Platega Crypto), only the
     first one's presentation lands in the shared bundle — per-SPEC presentation
     overrides live separately in ``_provider_presentations`` keyed by ``spec.id``.
+
+    Idempotent by default: if bundles already exist in the process-wide cache
+    we return them as-is. Pass ``force=True`` to rebuild from env (used by
+    tests after monkeypatching env vars). The non-force path is critical for
+    runtime: ``load_overrides_from_db`` builds bundles first and then writes
+    DB-persisted overrides into them — a later non-force rebuild from
+    ``build_core_services`` would otherwise wipe those overrides.
     """
+    if _provider_configs and not force:
+        return dict(_provider_configs)
+
     from .base import provider_env_file
 
     env_file = provider_env_file()

backend/bot/services/settings_override_service.py

@@ -196,7 +196,17 @@ def write_appearance_backup(settings: Settings) -> None:
 
 
 async def load_overrides_from_db(settings: Settings, async_session_factory: sessionmaker) -> int:
-    """Fetch overrides from the DB and apply them to the in-memory settings."""
+    """Fetch overrides from the DB and apply them to the in-memory settings.
+
+    Provider env-configs live on per-provider BaseSettings bundles instead of
+    the central Settings model. Apply needs those bundles to already exist,
+    otherwise provider-owned overrides (e.g. ``HELEKET_ENABLED``) silently
+    drop on the floor. Build them up-front; the call is idempotent so the
+    later ``build_core_services`` invocation reuses these same instances.
+    """
+    from bot.payment_providers import build_provider_configs
+
+    build_provider_configs()
 
     try:
         async with async_session_factory() as session:

tests/test_payment_provider_registry.py

@@ -204,7 +204,7 @@ def test_payment_method_keyboard_uses_custom_telegram_text_without_changing_call
     monkeypatch.setenv("WATA_ENABLED", "True")
     monkeypatch.setenv("PAYMENT_WATA_TELEGRAM_LABEL_EN", "Wata custom")
     monkeypatch.setenv("PAYMENT_WATA_TELEGRAM_EMOJI", "💸")
-    build_provider_configs()
+    build_provider_configs(force=True)
 
     settings = Settings(
         _env_file=None,

tests/test_security.py

@@ -398,7 +398,7 @@ class AdminSettingsSecurityTests(unittest.IsolatedAsyncioTestCase):
             get_provider_bundle,
         )
 
-        build_provider_configs()
+        build_provider_configs(force=True)
         bundle = get_provider_bundle("yookassa_service")
         if bundle and bundle.config is not None:
             bundle.config.SECRET_KEY = "super-secret"

tests/test_settings.py

@@ -166,7 +166,7 @@ class SettingsTests(unittest.TestCase):
         os.environ["PAYMENT_YOOKASSA_TELEGRAM_LABEL_EN"] = "Bank card"
         os.environ["PAYMENT_YOOKASSA_TELEGRAM_EMOJI"] = "💳"
         try:
-            build_provider_configs()
+            build_provider_configs(force=True)
             presentation = get_spec_presentation("yookassa")
             self.assertIsNotNone(presentation)
             self.assertEqual(presentation.WEBAPP_LABEL_RU, "Карта")

tests/test_webapp_assets.py

@@ -340,7 +340,7 @@ class WebAppAssetTests(unittest.IsolatedAsyncioTestCase):
             current_provider_configs,
         )
 
-        build_provider_configs()
+        build_provider_configs(force=True)
         configs = current_provider_configs()
         for service_key in ("cryptopay_service", "yookassa_service"):
             bundle = configs.get(service_key)
@@ -377,7 +377,7 @@ class WebAppAssetTests(unittest.IsolatedAsyncioTestCase):
             get_spec_presentation,
         )
 
-        build_provider_configs()
+        build_provider_configs(force=True)
         bundle = get_provider_bundle("yookassa_service")
         if bundle and bundle.config is not None:
             bundle.config.ENABLED = True