diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/PayWithCardFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/PayWithCardFragment.kt
index 761d223..1f5afbb 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/PayWithCardFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/PayWithCardFragment.kt
@@ -620,10 +620,12 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                 return@launch
             }
 
+            (activity as? HomeActivity)?.setRefreshing(true)
             val otp = Totp.generate(otpSeed)
             val result = withContext(Dispatchers.IO) {
                 runCatching { BmlTapToPayClient().fetchTokens(session, item.account.internalId, otp) }
             }
+            (activity as? HomeActivity)?.setRefreshing(false)
             val token = result.getOrNull()?.firstOrNull()
 
             if (!isTapMode) return@launch  // user cancelled while we were fetching