diff --git a/src/utils/serviceFee.ts b/src/utils/serviceFee.ts
index 3cdc452..421e21b 100644
--- a/src/utils/serviceFee.ts
+++ b/src/utils/serviceFee.ts
@@ -1,7 +1,7 @@
 import { ref } from 'vue'
 import { useSettingsStore } from '@/store/settingsStore'
 
-export const serviceFeePercentage = ref<number>(0.01)
+export const serviceFeePercentage = ref<number>(0)
 
 /**
  * @deprecated منطق کارمزد دیگر به این کلید وابسته نیست.
@@ -78,7 +78,8 @@ export async function loadServiceFeeFromSettings() {
         (s) => s?.key === 'fee_service_charge_percentage' && s?.is_active === true
       )
       if (feeSetting?.value !== undefined && feeSetting?.value !== null) {
-        serviceFeePercentage.value = Number(feeSetting.value)
+        const raw = String(feeSetting.value).trim()
+        serviceFeePercentage.value = raw === '' ? 0 : Number(raw)
       }
 
       const feeModeSetting = settings.find(