diff --git a/packages/template-retail-react-app/CHANGELOG.md b/packages/template-retail-react-app/CHANGELOG.md
index c1297f009d..5179238b37 100644
--- a/packages/template-retail-react-app/CHANGELOG.md
+++ b/packages/template-retail-react-app/CHANGELOG.md
@@ -1,4 +1,5 @@
 ## v10.1.0-dev
+- [Bugfix] Sync `amount` on the basket payment instrument before placing the order so the persisted `PaymentTransaction` matches `orderTotal`.
 - [Feature] Add cancel order modal on order detail page. Registered users with OMS enabled can cancel orders that are not yet shipped. Modal includes reason code selection and inline success/error feedback. Gated behind `app.oms.enabled` config flag. [#3861](https://github.com/SalesforceCommerceCloud/pwa-kit/pull/3861)
 - [Bugfix] Render the search refinements panels open during server-side rendering. ChakraUI v2's Accordion forces every item closed in SSR (its open state depends on a post-mount layout effect that never runs on the server), so the panels opened only after hydration — a late relayout that could become the PLP largest-contentful-paint element. Replaced the Accordion with a controlled disclosure that honors its open state server-side.
 - [Bugfix] Memoize the search refinements panel so it stops re-rendering on every parent render when the filter set is unchanged, improving PLP render stability. [#3855](https://github.com/SalesforceCommerceCloud/pwa-kit/pull/3855)
diff --git a/packages/template-retail-react-app/app/pages/checkout/index.jsx b/packages/template-retail-react-app/app/pages/checkout/index.jsx
index b26f61f4eb..cf33281546 100644
--- a/packages/template-retail-react-app/app/pages/checkout/index.jsx
+++ b/packages/template-retail-react-app/app/pages/checkout/index.jsx
@@ -64,6 +64,9 @@ const Checkout = () => {
     const {confirmingBasket} = useSFPayments()
     const [isLoading, setIsLoading] = useState(false)
     const {mutateAsync: createOrder} = useShopperOrdersMutation('createOrder')
+    const {mutateAsync: updatePaymentInstrumentInBasket} = useShopperBasketsMutation(
+        'updatePaymentInstrumentInBasket'
+    )
     const {passwordless = {}, social = {}} = getConfig().app.login || {}
     const idps = social?.idps
     const isSocialEnabled = !!social?.enabled
@@ -117,6 +120,23 @@ const Checkout = () => {
     }
 
     const doCreateOrder = async () => {
+        // Sync payment instrument amount to current orderTotal right before placing
+        // the order. The amount stamped at addPaymentInstrumentToBasket time can go
+        // stale if the basket changes (promo, shipping method, items) afterward.
+        const appliedPayment = basket?.paymentInstruments?.[0]
+        if (
+            appliedPayment?.paymentInstrumentId &&
+            basket?.orderTotal != null &&
+            appliedPayment.amount !== basket.orderTotal
+        ) {
+            await updatePaymentInstrumentInBasket({
+                parameters: {
+                    basketId: basket.basketId,
+                    paymentInstrumentId: appliedPayment.paymentInstrumentId
+                },
+                body: {amount: basket.orderTotal}
+            })
+        }
         return await createOrder({
             body: {basketId: basket.basketId}
         })
diff --git a/packages/template-retail-react-app/app/pages/checkout/index.test.js b/packages/template-retail-react-app/app/pages/checkout/index.test.js
index 3f3901b78f..b188319f5e 100644
--- a/packages/template-retail-react-app/app/pages/checkout/index.test.js
+++ b/packages/template-retail-react-app/app/pages/checkout/index.test.js
@@ -1327,6 +1327,7 @@ describe('Checkout error display and submitOrder', () => {
         ]
 
         let orderPostCalled = false
+        let updatePaymentInstrumentCalled = false
         global.server.use(
             rest.post('*/orders', (req, res, ctx) => {
                 orderPostCalled = true
@@ -1340,6 +1341,10 @@ describe('Checkout error display and submitOrder', () => {
             }),
             rest.get('*/baskets', (req, res, ctx) => {
                 return res(ctx.json({baskets: [currentBasket], total: 1}))
+            }),
+            rest.patch('*/baskets/*/payment-instruments/*', (req, res, ctx) => {
+                updatePaymentInstrumentCalled = true
+                return res(ctx.json(currentBasket))
             })
         )
 
@@ -1364,6 +1369,9 @@ describe('Checkout error display and submitOrder', () => {
         await waitFor(() => {
             expect(orderPostCalled).toBe(true)
         })
+        // The fixture's payment instrument has amount=0 while orderTotal is non-zero,
+        // so doCreateOrder should have synced the amount before placing the order.
+        expect(updatePaymentInstrumentCalled).toBe(true)
         expect(
             screen.queryByText(/An unexpected error occurred during checkout/i)
         ).not.toBeInTheDocument()