diff --git a/backend/src/modules/billing/billing.service.ts b/backend/src/modules/billing/billing.service.ts
index 4aef657..d6f706f 100644
--- a/backend/src/modules/billing/billing.service.ts
+++ b/backend/src/modules/billing/billing.service.ts
@@ -65,7 +65,7 @@ export class BillingService {
     );
 
     if (result.mode === 'redirect') {
-      payment.tx_ref = result.providerRef;
+      payment.tx_ref = result.providerRef || null;
       payment.meta = { redirect_url: result.redirectUrl };
       await this.payments.save(payment);
       return { paymentId: payment.id, redirectUrl: result.redirectUrl };
@@ -89,10 +89,10 @@ export class BillingService {
     throw new BadRequestException('Unexpected charge mode');
   }
 
-  async submitBankTransfer(tenantId: string, amount: number, currency: string, imageFile: Express.Multer.File) {
-    if (!imageFile) throw new BadRequestException('Receipt image is required');
+  async submitBankTransfer(tenantId: string, amount: number, currency: string, imageFile: any) {
+    if (!imageFile || !imageFile.buffer) throw new BadRequestException('Receipt image is required');
 
-    const imageUrl = await this.storage.upload(imageFile, `transfers/${tenantId}`);
+    const imageUrl = await this.storage.save(tenantId, 'transfers', imageFile.buffer, imageFile.originalname || '');
 
     const payment = await this.payments.save(
       this.payments.create({
diff --git a/backend/src/modules/billing/tenant-billing.controller.ts b/backend/src/modules/billing/tenant-billing.controller.ts
index 5c6074c..f942718 100644
--- a/backend/src/modules/billing/tenant-billing.controller.ts
+++ b/backend/src/modules/billing/tenant-billing.controller.ts
@@ -41,7 +41,7 @@ export class TenantBillingController {
   submitTransfer(
     @CurrentUser() user: AuthUser,
     @Body() body: { amount: number; currency?: string },
-    @UploadedFile() receipt: Express.Multer.File,
+    @UploadedFile() receipt: any,
   ) {
     return this.billing.submitBankTransfer(user.tenantId, body.amount, body.currency || 'JOD', receipt);
   }