diff --git a/views_api.py b/views_api.py
index f6a41dc..103452f 100644
--- a/views_api.py
+++ b/views_api.py
@@ -826,24 +826,27 @@ async def api_settle_receivable(
     # DR Cash/Bank (asset increased), CR Accounts Receivable (asset decreased)
     # This records that user paid their debt
 
-    # Convert amount to sats (minor units)
-    # For fiat currencies, store as cents/minor units
-    # For satoshis, just convert to int
+    # Determine the amount to record in the journal
+    # IMPORTANT: Always record in satoshis to match the receivable account balance
     from decimal import Decimal
 
     if data.currency:
         # Fiat currency payment (e.g., EUR, USD)
-        amount_minor_units = int(data.amount * 100)  # Convert to cents
+        # Use the sats equivalent for the journal entry to match the receivable
+        if not data.amount_sats:
+            raise HTTPException(
+                status_code=HTTPStatus.BAD_REQUEST,
+                detail="amount_sats is required when settling with fiat currency"
+            )
+        amount_in_sats = data.amount_sats
         line_metadata = {
             "fiat_currency": data.currency,
             "fiat_amount": str(data.amount),
+            "exchange_rate": data.amount_sats / float(data.amount)
         }
-        if data.amount_sats:
-            line_metadata["sats_equivalent"] = data.amount_sats
-            line_metadata["exchange_rate"] = data.amount_sats / float(data.amount)
     else:
         # Satoshi payment
-        amount_minor_units = int(data.amount)
+        amount_in_sats = int(data.amount)
         line_metadata = {}
 
     # Add meta information for audit trail
@@ -864,7 +867,7 @@ async def api_settle_receivable(
         lines=[
             CreateEntryLine(
                 account_id=payment_account.id,
-                debit=amount_minor_units,
+                debit=amount_in_sats,
                 credit=0,
                 description=f"Payment received via {data.payment_method}",
                 metadata=line_metadata,
@@ -872,7 +875,7 @@ async def api_settle_receivable(
             CreateEntryLine(
                 account_id=user_receivable.id,
                 debit=0,
-                credit=amount_minor_units,
+                credit=amount_in_sats,
                 description="Receivable settled",
                 metadata=line_metadata,
             ),