diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
index 9906fb9..74f729f 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
@@ -199,25 +199,31 @@ class TransferFragment : Fragment() {
             return
         }
 
-        // Cards can't pay PayMV QR — fall back to default account or clear selection
-        val isCard = selectedAccount?.let {
-            it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT"
-        } ?: false
-        if (isCard) {
-            Toast.makeText(requireContext(), R.string.card_qr_paymv_unsupported, Toast.LENGTH_SHORT).show()
+        // Neither BML cards nor M-Faisa wallets can pay a PayMV QR. Either can be the selected
+        // source when the scan happens — an M-Faisa merchant QR auto-switches the source, and
+        // clearing that merchant leaves the source behind — so fall back to the default account
+        // (or clear the selection) rather than leaving a source that cannot pay.
+        val src = selectedAccount
+        val isCard = src != null &&
+            (src.profileType == "BML_PREPAID" || src.profileType == "BML_CREDIT" || src.profileType == "BML_DEBIT")
+        val isMfaisa = src?.bank == "MFAISA"
+        if (isCard || isMfaisa) {
+            // The card case has always explained itself; the M-Faisa case switches silently.
+            if (isCard) Toast.makeText(requireContext(), R.string.card_qr_paymv_unsupported, Toast.LENGTH_SHORT).show()
             val defaultNum = CredentialStore(requireContext()).getDefaultAccountNumber()
             val defaultAcc = defaultNum?.let { num -> viewModel.accounts.value?.firstOrNull { it.accountNumber == num } }
-            selectedAccount = defaultAcc
             binding.tilAmount.prefixText = null
             if (defaultAcc != null) {
-                updateAmountPrefix(defaultAcc)
-                showFromCard(defaultAcc)
+                // Also restores the "To" row out of M-Faisa phone-entry mode, via showFromCard().
+                selectSourceAccount(defaultAcc)
             } else {
+                selectedAccount = null
                 binding.cardFromInfo.visibility = View.GONE
                 binding.tilFrom.visibility = View.VISIBLE
                 binding.actvFrom.setText("", false)
+                applyMfaisaToFieldMode(false)
+                updateTransferButton()
             }
-            updateTransferButton()
         }
 
         if (qr.amount != null) binding.etAmount.setText(qr.amount)
@@ -1483,6 +1489,7 @@ class TransferFragment : Fragment() {
 
     internal fun clearForm() {
         bmlHandler().resetOtpState()
+        bmlHandler().clearQrMerchant()
         mfaisaHandler?.clearState()
         mfaisaHandler?.clearQrMerchant()
         selectedAccount = null