diff --git a/src/main/java/zw/qantra/tm/domain/services/TransactionService.java b/src/main/java/zw/qantra/tm/domain/services/TransactionService.java
index 6ab83a8..bdceb95 100644
--- a/src/main/java/zw/qantra/tm/domain/services/TransactionService.java
+++ b/src/main/java/zw/qantra/tm/domain/services/TransactionService.java
@@ -38,10 +38,15 @@ public class TransactionService {
             return BigDecimal.ZERO;
         }
 
-        Currency currency = currencyService.findCurrencyByIsoCode(transaction.getCreditCurrency().name());
+        Currency debitCurrency = currencyService.findCurrencyByIsoCode(transaction.getDebitCurrency().name());
+        Currency creditCurrency = currencyService.findCurrencyByIsoCode(transaction.getCreditCurrency().name());
 
-        BigDecimal bankRate = new BigDecimal(currency.getBankRate());
-        BigDecimal creditAmount = transaction.getAmount().multiply(bankRate).setScale(4, RoundingMode.HALF_EVEN);
+        BigDecimal debitBankRate = new BigDecimal(debitCurrency.getBankRate());
+        BigDecimal creditBankRate = new BigDecimal(creditCurrency.getBankRate());
+
+        BigDecimal bankRate = creditBankRate.divide(debitBankRate, 4, RoundingMode.HALF_UP);
+
+        BigDecimal creditAmount = transaction.getAmount().multiply(bankRate).setScale(4, RoundingMode.HALF_UP);
 
         transaction.setCreditAmount(creditAmount);
         return creditAmount;
diff --git a/src/main/java/zw/qantra/tm/domain/services/VelocityPaymentService.java b/src/main/java/zw/qantra/tm/domain/services/VelocityPaymentService.java
index ced529c..ecff63c 100644
--- a/src/main/java/zw/qantra/tm/domain/services/VelocityPaymentService.java
+++ b/src/main/java/zw/qantra/tm/domain/services/VelocityPaymentService.java
@@ -181,7 +181,7 @@ public class VelocityPaymentService {
                 ? "VMC" : transaction.getPaymentProcessorLabel();
         VelocityTransactionDto payload = VelocityTransactionDto.builder()
                 .salesOrderId(transaction.getOrderId())
-                .amount(transaction.getTotalAmount())
+                .amount(transaction.getCreditAmount())
                 .debitPhone(transaction.getDebitPhone())
                 .debitRegion("ZW")
                 .type("REQUEST")
diff --git a/src/main/java/zw/qantra/tm/domain/services/processors/confirmations/hotrecharge/ZesaConfirmationHotProcessor.java b/src/main/java/zw/qantra/tm/domain/services/processors/confirmations/hotrecharge/ZesaConfirmationHotProcessor.java
index 1d665cd..07046e2 100644
--- a/src/main/java/zw/qantra/tm/domain/services/processors/confirmations/hotrecharge/ZesaConfirmationHotProcessor.java
+++ b/src/main/java/zw/qantra/tm/domain/services/processors/confirmations/hotrecharge/ZesaConfirmationHotProcessor.java
@@ -69,11 +69,7 @@ public class ZesaConfirmationHotProcessor implements TransactionProcessorInterfa
                 transaction.setCreditCurrency(CurrencyType.USD);
             }
 
-            if(transaction.getDebitCurrency().equals(CurrencyType.USD) && transaction.getCreditCurrency().equals(CurrencyType.ZWG)) {
-                transaction.setCreditAmount(transactionService.calculateCreditAmount(transaction));
-            }else {
-                transaction.setCreditAmount(transaction.getAmount());
-            }
+            transaction.setCreditAmount(transactionService.calculateCreditAmount(transaction));
 
             // token should've been updated by checkCustomer
             if (!hotRechargeBalanceService.checkBalance(token, transaction.getCreditAmount(), accId)) {
@@ -85,6 +81,7 @@ public class ZesaConfirmationHotProcessor implements TransactionProcessorInterfa
 
             transaction.setStatus(Status.SUCCESS);
             transaction.setResponseCode("00");
+            transaction.setCreditPhone(transaction.getDebitPhone());
 
             List<Map<String, String>> additionalDataList = buildAdditionalData(customerData);
             transaction.setAdditionalData(additionalDataList);
diff --git a/src/main/java/zw/qantra/tm/domain/services/processors/integrations/HotRechargeIntegrationProcessor.java b/src/main/java/zw/qantra/tm/domain/services/processors/integrations/HotRechargeIntegrationProcessor.java
index b2a161d..0ba1e0a 100644
--- a/src/main/java/zw/qantra/tm/domain/services/processors/integrations/HotRechargeIntegrationProcessor.java
+++ b/src/main/java/zw/qantra/tm/domain/services/processors/integrations/HotRechargeIntegrationProcessor.java
@@ -128,29 +128,7 @@ public class HotRechargeIntegrationProcessor implements TransactionProcessorInte
                 throw new RuntimeException(e);
             }
             logger.info("Simulating HotRecharge success");
-            return Utils.fromJson("{\n" +
-                    "  \"successful\": true,\n" +
-                    "  \"rechargeId\": 1.9080854E8,\n" +
-                    "  \"amount\": 265.0,\n" +
-                    "  \"discount\": 1.2,\n" +
-                    "  \"balance\": {\n" +
-                    "    \"accountTypeId\": 2.0,\n" +
-                    "    \"name\": \"Utility ZWG\",\n" +
-                    "    \"balance\": 3306.32\n" +
-                    "  },\n" +
-                    "  \"message\": \"Transaction processed successfully\",\n" +
-                    "  \"rechargeData\": {\n" +
-                    "    \"Network\": \"ZESA\",\n" +
-                    "    \"Target\": \"07088597534\",\n" +
-                    "    \"Cost\": \"261.8200\",\n" +
-                    "    \"Token\": \"6616 0517 2063 6675 8254\",\n" +
-                    "    \"Units\": \"40.92\",\n" +
-                    "    \"NetAmount\": \"250\",\n" +
-                    "    \"TaxAmount\": \"0\",\n" +
-                    "    \"Levy\": \"15\",\n" +
-                    "    \"Arrears\": \"0\"\n" +
-                    "  }\n" +
-                    "}", LinkedHashMap.class);
+            return getZesaPayload();
         }
 
         try {
@@ -262,6 +240,32 @@ public class HotRechargeIntegrationProcessor implements TransactionProcessorInte
         return additionalDataList;
     }
 
+    private LinkedHashMap<String, Object> getZesaPayload() {
+        return Utils.fromJson("{\n" +
+                "  \"successful\": true,\n" +
+                "  \"rechargeId\": 1.9080854E8,\n" +
+                "  \"amount\": 265.0,\n" +
+                "  \"discount\": 1.2,\n" +
+                "  \"balance\": {\n" +
+                "    \"accountTypeId\": 2.0,\n" +
+                "    \"name\": \"Utility ZWG\",\n" +
+                "    \"balance\": 3306.32\n" +
+                "  },\n" +
+                "  \"message\": \"Transaction processed successfully\",\n" +
+                "  \"rechargeData\": {\n" +
+                "    \"Network\": \"ZESA\",\n" +
+                "    \"Target\": \"07088597534\",\n" +
+                "    \"Cost\": \"261.8200\",\n" +
+                "    \"Token\": \"6616 0517 2063 6675 8254\",\n" +
+                "    \"Units\": \"40.92\",\n" +
+                "    \"NetAmount\": \"250\",\n" +
+                "    \"TaxAmount\": \"0\",\n" +
+                "    \"Levy\": \"15\",\n" +
+                "    \"Arrears\": \"0\"\n" +
+                "  }\n" +
+                "}", LinkedHashMap.class);
+    }
+
     @Override
     public Object reverse(Transaction transaction) {
         return transaction;