diff --git a/CHANGELOG.md b/CHANGELOG.md
index 002a208..c4c0294 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -24,6 +24,9 @@ and this project uses [Calendar Versioning](https://calver.org/) (`YYYY.MINOR.MI
   - `@username` / `username` / `https://t.me/username`
 - `get_wallet()` now returns balances as separate fields: `ton_balance` and `usdt_balance`
 - Wallet/system test output now prints TON and USDT balances on separate lines
+- Balance checks are now method-aware with explicit thresholds:
+  - `ton`: minimum TON balance threshold via `MIN_TON_BALANCE` (based on current 50 Stars purchase amount)
+  - `usdt_ton`: minimum USDT balance threshold via `MIN_USDT_BALANCE` (based on current 50 Stars purchase amount)
 
 ### Tests
 
diff --git a/examples/purchase/recharge_ads_balance.py b/examples/purchase/recharge_ads_balance.py
index d0084bc..5e4c457 100644
--- a/examples/purchase/recharge_ads_balance.py
+++ b/examples/purchase/recharge_ads_balance.py
@@ -2,7 +2,7 @@
 Example: recharge your own Telegram Ads account with TON.
 
 Amount must be an integer between 1 and 1 000 000 000 TON.
-Your wallet must hold at least the recharge amount + ~0.056 TON for gas.
+Your wallet must satisfy the current minimum TON threshold and transaction cost.
 """
 
 import asyncio
diff --git a/examples/purchase/topup_ton_balance.py b/examples/purchase/topup_ton_balance.py
index f09d0f3..c4fa58f 100644
--- a/examples/purchase/topup_ton_balance.py
+++ b/examples/purchase/topup_ton_balance.py
@@ -4,7 +4,7 @@ Example: top up TON to a recipient's Telegram balance.
 For adding TON to a Telegram Ads account, use recharge_ads() instead.
 
 Amount must be an integer between 1 and 1 000 000 000 TON.
-Your wallet must hold at least the top-up amount + ~0.056 TON for gas.
+Your wallet must satisfy the current minimum TON threshold and transaction cost.
 """
 
 import asyncio
diff --git a/pyfragment/methods/giveaway_premium.py b/pyfragment/methods/giveaway_premium.py
index 32fc860..8acb0ea 100644
--- a/pyfragment/methods/giveaway_premium.py
+++ b/pyfragment/methods/giveaway_premium.py
@@ -77,7 +77,7 @@ async def giveaway_premium(
             },
             page_url=PREMIUM_GIVEAWAY_PAGE,
         )
-        required_payment_amount = parse_required_payment_amount(result, payment_method)
+        required_payment_amount = parse_required_payment_amount(result)
         req_id = result.get("req_id")
         if not req_id:
             raise FragmentAPIError(FragmentAPIError.NO_REQUEST_ID.format(context="Premium giveaway"))
diff --git a/pyfragment/methods/giveaway_stars.py b/pyfragment/methods/giveaway_stars.py
index 8eac8b7..90b3dc7 100644
--- a/pyfragment/methods/giveaway_stars.py
+++ b/pyfragment/methods/giveaway_stars.py
@@ -73,7 +73,7 @@ async def giveaway_stars(
             },
             page_url=STARS_GIVEAWAY_PAGE,
         )
-        required_payment_amount = parse_required_payment_amount(result, payment_method)
+        required_payment_amount = parse_required_payment_amount(result)
         req_id = result.get("req_id")
         if not req_id:
             raise FragmentAPIError(FragmentAPIError.NO_REQUEST_ID.format(context="Stars giveaway"))
diff --git a/pyfragment/methods/purchase_premium.py b/pyfragment/methods/purchase_premium.py
index c3a4f11..5924fe1 100644
--- a/pyfragment/methods/purchase_premium.py
+++ b/pyfragment/methods/purchase_premium.py
@@ -71,7 +71,7 @@ async def purchase_premium(
             {"recipient": recipient, "months": months, "payment_method": payment_method},
             page_url=PREMIUM_PAGE,
         )
-        required_payment_amount = parse_required_payment_amount(result, payment_method)
+        required_payment_amount = parse_required_payment_amount(result)
         req_id = result.get("req_id")
         if not req_id:
             raise FragmentAPIError(FragmentAPIError.NO_REQUEST_ID.format(context="Premium purchase"))
diff --git a/pyfragment/methods/purchase_stars.py b/pyfragment/methods/purchase_stars.py
index e51b0e8..44c0e1e 100644
--- a/pyfragment/methods/purchase_stars.py
+++ b/pyfragment/methods/purchase_stars.py
@@ -67,7 +67,7 @@ async def purchase_stars(
             {"recipient": recipient, "quantity": amount, "payment_method": payment_method},
             page_url=STARS_PAGE,
         )
-        required_payment_amount = parse_required_payment_amount(result, payment_method)
+        required_payment_amount = parse_required_payment_amount(result)
         req_id = result.get("req_id")
         if not req_id:
             raise FragmentAPIError(FragmentAPIError.NO_REQUEST_ID.format(context="Stars purchase"))
diff --git a/pyfragment/types/constants.py b/pyfragment/types/constants.py
index 98191cc..af7b29d 100644
--- a/pyfragment/types/constants.py
+++ b/pyfragment/types/constants.py
@@ -16,8 +16,8 @@ SUPPORTED_WALLET_VERSIONS: frozenset[str] = frozenset(get_args(WalletVersion))
 # Wallet class map — used to resolve the correct contract from WALLET_VERSION
 WALLET_CLASSES: dict[str, Any] = {"V4R2": WalletV4R2, "V5R1": WalletV5R1}
 
-# Minimum minimum TON balance required for payments (transaction amount + gas reserve).
-MIN_TON_BALANCE: float = 0.33  # 0.3 TON for transaction + 0.03 TON gas reserve
+# Minimum TON balance threshold required for payment flows.
+MIN_TON_BALANCE: float = 0.33
 
 # USDT (TON) jetton metadata used for payment-method balance checks.
 USDT_TON_MASTER_ADDRESS: str = "EQCxE6mUtQJKFnGfaROTKOt1lZbDiiX1kCixRv7Nw2Id_sDs"
diff --git a/pyfragment/utils/html.py b/pyfragment/utils/html.py
index e968edf..d0b98b6 100644
--- a/pyfragment/utils/html.py
+++ b/pyfragment/utils/html.py
@@ -163,14 +163,8 @@ def parse_gift_items(html: str) -> tuple[list[dict[str, Any]], int | None]:
     return items, next_offset
 
 
-def parse_required_payment_amount(init_response: dict[str, Any], payment_method: str) -> float | None:
-    """Extract required payment amount from init*Request response.
-
-    Fragment includes ``amount`` for both ``ton`` and ``usdt_ton`` init flows,
-    so this helper always reads ``amount``.
-    """
-    del payment_method
-
+def parse_required_payment_amount(init_response: dict[str, Any]) -> float | None:
+    """Extract required payment amount from init*Request response."""
     raw_amount = init_response.get("amount")
     try:
         return float(str(raw_amount))
diff --git a/pyfragment/utils/wallet.py b/pyfragment/utils/wallet.py
index 74c3f06..2212690 100644
--- a/pyfragment/utils/wallet.py
+++ b/pyfragment/utils/wallet.py
@@ -49,13 +49,8 @@ async def _check_ton_payment_balance(
     balance_ton: float,
     amount_ton: float,
     required_payment_amount: float | None,
-    ton: Any,
-    wallet_address: str,
 ) -> None:
     """Validate balance requirements for TON payment method."""
-    del ton
-    del wallet_address
-
     tx_price_ton = amount_ton
     if required_payment_amount is not None and required_payment_amount > 0:
         tx_price_ton = max(tx_price_ton, required_payment_amount)
@@ -72,14 +67,11 @@ async def _check_ton_payment_balance(
 
 async def _check_usdt_payment_balance(
     balance_ton: float,
-    amount_ton: float,
     required_payment_amount: float | None,
     ton: Any,
     wallet_address: str,
 ) -> None:
     """Validate balance requirements for USDT payment method."""
-    del amount_ton
-
     # USDT payment still needs TON for network fees.
     if balance_ton < MIN_TON_BALANCE:
         raise WalletError(
@@ -134,18 +126,19 @@ async def process_transaction(
             await wallet.refresh()
             balance_ton = wallet.balance / 1_000_000_000
             wallet_address = wallet.address.to_str(False, False)
-            checkers = {
-                "ton": _check_ton_payment_balance,
-                "usdt_ton": _check_usdt_payment_balance,
-            }
-            checker = checkers[payment_method]
-            await checker(
-                balance_ton,
-                amount_ton,
-                required_payment_amount,
-                ton,
-                wallet_address,
-            )
+            if payment_method == "ton":
+                await _check_ton_payment_balance(
+                    balance_ton,
+                    amount_ton,
+                    required_payment_amount,
+                )
+            else:
+                await _check_usdt_payment_balance(
+                    balance_ton,
+                    required_payment_amount,
+                    ton,
+                    wallet_address,
+                )
         except WalletError:
             raise
         except Exception as exc:
diff --git a/tests/015_test_payment_amount.py b/tests/015_test_payment_amount.py
index a202067..51eff63 100644
--- a/tests/015_test_payment_amount.py
+++ b/tests/015_test_payment_amount.py
@@ -5,7 +5,7 @@ from pyfragment.utils.html import parse_required_payment_amount
 
 def test_parse_required_payment_amount_ton_uses_amount() -> None:
     init_response = {"amount": "0.326"}
-    assert parse_required_payment_amount(init_response, "ton") == 0.326
+    assert parse_required_payment_amount(init_response) == 0.326
 
 
 def test_parse_required_payment_amount_usdt_uses_amount() -> None:
@@ -13,9 +13,9 @@ def test_parse_required_payment_amount_usdt_uses_amount() -> None:
         "amount": "0.00075",
         "content": '<span class="icon-before icon-usd">0.75</span>',
     }
-    assert parse_required_payment_amount(init_response, "usdt_ton") == 0.00075
+    assert parse_required_payment_amount(init_response) == 0.00075
 
 
 def test_parse_required_payment_amount_usdt_falls_back_to_amount() -> None:
     init_response = {"amount": "1.25", "content": "<p>no usd icon</p>"}
-    assert parse_required_payment_amount(init_response, "usdt_ton") == 1.25
+    assert parse_required_payment_amount(init_response) == 1.25