diff --git a/bot/handlers/user/payment.py b/bot/handlers/user/payment.py
index ef25452..b577596 100644
--- a/bot/handlers/user/payment.py
+++ b/bot/handlers/user/payment.py
@@ -690,20 +690,44 @@ async def yookassa_webhook_route(request: web.Request):
                             yookassa_service,
                             lknpd_service)
                         if not processed:
-                            # process_successful_payment uses False for permanent business failures
-                            # (e.g. user not found / metadata issues) and may have already updated
-                            # the payment status. Commit the status and ACK the webhook to stop
-                            # indefinite provider retries.
-                            try:
-                                await session.commit()
-                            except Exception:
-                                await session.rollback()
-                                logging.exception(
-                                    "Failed to commit failure status for YooKassa payment %s",
-                                    payment_dict_for_processing.get("id"),
+                            metadata_for_result = payment_dict_for_processing.get("metadata") or {}
+                            payment_db_id_raw = metadata_for_result.get("payment_db_id")
+                            payment_db_id_for_check = None
+                            if isinstance(payment_db_id_raw, int):
+                                payment_db_id_for_check = payment_db_id_raw
+                            elif isinstance(payment_db_id_raw, str) and payment_db_id_raw.isdigit():
+                                payment_db_id_for_check = int(payment_db_id_raw)
+
+                            terminal_failure_recorded = False
+                            if payment_db_id_for_check is not None:
+                                payment_after_processing = await payment_dal.get_payment_by_db_id(
+                                    session,
+                                    payment_db_id_for_check,
                                 )
-                                return web.Response(status=503, text="yookassa_processing_failed_retry")
-                            return web.Response(status=200, text="ok")
+                                terminal_failure_recorded = bool(
+                                    payment_after_processing
+                                    and isinstance(payment_after_processing.status, str)
+                                    and payment_after_processing.status.startswith("failed")
+                                )
+
+                            if terminal_failure_recorded:
+                                try:
+                                    await session.commit()
+                                except Exception:
+                                    await session.rollback()
+                                    logging.exception(
+                                        "Failed to commit failure status for YooKassa payment %s",
+                                        payment_dict_for_processing.get("id"),
+                                    )
+                                    return web.Response(status=503, text="yookassa_processing_failed_retry")
+                                return web.Response(status=200, text="ok")
+
+                            await session.rollback()
+                            logging.warning(
+                                "YooKassa payment %s processing returned non-terminal failure; responding 503 for retry",
+                                payment_dict_for_processing.get("id"),
+                            )
+                            return web.Response(status=503, text="yookassa_processing_failed_retry")
                         await session.commit()
                     else:
                         logging.warning(