diff --git a/src/lib/payments.functions.ts b/src/lib/payments.functions.ts
index 4a759c7..e21727d 100644
--- a/src/lib/payments.functions.ts
+++ b/src/lib/payments.functions.ts
@@ -51,13 +51,13 @@ export const createPaymentRequest = createServerFn({ method: "POST" })
     },
   )
   .handler(async ({ data, context }) => {
-    const { userId } = context;
+    const { userId, supabase } = context;
     const stripe = getStripe();
     const { totalCents, feeCents } = calcSurcharge(data.base_amount_cents);
     const origin = getOrigin();
 
-    // Insert pending row first
-    const { data: row, error: insErr } = await supabaseAdmin
+    // Insert pending row first (uses authenticated client; RLS allows insert by auth users)
+    const { data: row, error: insErr } = await supabase
       .from("payment_requests")
       .insert({
         recipient_name: data.recipient_name,
@@ -110,7 +110,7 @@ export const createPaymentRequest = createServerFn({ method: "POST" })
       metadata: { payment_request_id: row.id },
     });
 
-    await supabaseAdmin
+    await supabase
       .from("payment_requests")
       .update({
         stripe_session_id: session.id,