diff --git a/controllers/admin/AdminSaferPayOfficialSettingsController.php b/controllers/admin/AdminSaferPayOfficialSettingsController.php
index ebad0939..4bd0e358 100755
--- a/controllers/admin/AdminSaferPayOfficialSettingsController.php
+++ b/controllers/admin/AdminSaferPayOfficialSettingsController.php
@@ -693,17 +693,36 @@ private function getCurrencies()
      */
     private function getPaymentMethodsData()
     {
+        /** @var SaferPayPaymentRepository $paymentRepository */
+        $paymentRepository = $this->module->getService(SaferPayPaymentRepository::class);
+
         try {
-            /** @var SaferPayObtainPaymentMethods $obtainMethods */
-            $obtainMethods = $this->module->getService(SaferPayObtainPaymentMethods::class);
-            $paymentMethods = $obtainMethods->obtainPaymentMethodsNamesAsArray();
+            // Re-read the account and reconcile the stored list when the Payment Methods
+            // settings open, so methods added/removed on the Saferpay account are reflected
+            // (and persisted for the front office) without requiring a Save click. Enabled
+            // flags are preserved by the refresh; newly added methods default to disabled.
+            /** @var SaferPayRefreshPaymentsService $refreshPaymentsService */
+            $refreshPaymentsService = $this->module->getService(SaferPayRefreshPaymentsService::class);
+            $refreshPaymentsService->refreshPayments();
+
+            // The refresh persists the account's methods, so read them back from storage
+            // instead of calling the API a second time.
+            $paymentMethods = array_column($paymentRepository->getAllPaymentMethodsNames(), 'name');
+
+            // refreshPayments() is a no-op when nothing is active yet (e.g. a fresh setup),
+            // so fall back to the live account list to still surface newly available methods.
+            if (empty($paymentMethods)) {
+                /** @var SaferPayObtainPaymentMethods $obtainMethods */
+                $obtainMethods = $this->module->getService(SaferPayObtainPaymentMethods::class);
+                $paymentMethods = $obtainMethods->obtainPaymentMethodsNamesAsArray();
+            }
         } catch (SaferPayApiException $exception) {
-            return ['error' => $this->module->l('Failed to load payment methods. Please verify your API credentials.', self::FILE_NAME)];
+            // Account unreachable (bad credentials / offline): keep the last-known stored
+            // list rather than wiping the page. Credential validity is surfaced separately
+            // on the Credentials tab. Never clears stored configuration.
+            $paymentMethods = array_column($paymentRepository->getAllPaymentMethodsNames(), 'name');
         }
 
-        /** @var SaferPayPaymentRepository $paymentRepository */
-        $paymentRepository = $this->module->getService(SaferPayPaymentRepository::class);
-
         /** @var SaferPayLogoRepository $logoRepository */
         $logoRepository = $this->module->getService(SaferPayLogoRepository::class);
 
diff --git a/src/Repository/SaferPayPaymentRepository.php b/src/Repository/SaferPayPaymentRepository.php
index 9b16e20c..99c48671 100644
--- a/src/Repository/SaferPayPaymentRepository.php
+++ b/src/Repository/SaferPayPaymentRepository.php
@@ -110,6 +110,21 @@ public function getActivePaymentMethodsNames()
         return $result;
     }
 
+    public function getAllPaymentMethodsNames()
+    {
+        $query = new DbQuery();
+        $query->select('name');
+        $query->from('saferpay_payment');
+
+        $result = Db::getInstance()->executeS($query);
+
+        if (!$result) {
+            return [];
+        }
+
+        return $result;
+    }
+
     public function truncateTable()
     {
         $query = 'TRUNCATE TABLE ' . _DB_PREFIX_ . 'saferpay_payment;';
diff --git a/tests/Unit/Service/SaferPayRefreshPaymentsServiceTest.php b/tests/Unit/Service/SaferPayRefreshPaymentsServiceTest.php
new file mode 100644
index 00000000..289d5fab
--- /dev/null
+++ b/tests/Unit/Service/SaferPayRefreshPaymentsServiceTest.php
@@ -0,0 +1,137 @@
+<?php
+/**
+ *NOTICE OF LICENSE
+ *
+ *This source file is subject to the Open Software License (OSL 3.0)
+ *that is bundled with this package in the file LICENSE.txt.
+ *It is also available through the world-wide-web at this URL:
+ *http://opensource.org/licenses/osl-3.0.php
+ *If you did not receive a copy of the license and are unable to
+ *obtain it through the world-wide-web, please send an email
+ *to license@prestashop.com so we can send you a copy immediately.
+ *
+ *DISCLAIMER
+ *
+ * Do not edit or add to this file if you wish to upgrade PrestaShop to newer
+ *versions in the future. If you wish to customize PrestaShop for your
+ *needs please refer to http://www.prestashop.com for more information.
+ *
+ *@author INVERTUS UAB www.invertus.eu  <support@invertus.eu>
+ *@copyright SIX Payment Services
+ *@license   SIX Payment Services
+ */
+
+namespace Invertus\SaferPay\Tests\Unit\Service;
+
+use Invertus\SaferPay\Logger\LoggerInterface;
+use Invertus\SaferPay\Repository\SaferPayFieldRepository;
+use Invertus\SaferPay\Repository\SaferPayPaymentRepository;
+use Invertus\SaferPay\Repository\SaferPayRestrictionRepository;
+use Invertus\SaferPay\Service\SaferPayObtainPaymentMethods;
+use Invertus\SaferPay\Service\SaferPayRefreshPaymentsService;
+use PHPUnit\Framework\TestCase;
+
+class SaferPayRefreshPaymentsServiceTest extends TestCase
+{
+    public function testReconcilePreservesEnabledAddsNewDisabledDropsRemoved()
+    {
+        // Stored: VISA (enabled), AMEX (enabled). Account: VISA (kept), TWINT (added), AMEX removed.
+        $paymentRepository = $this->mockPaymentRepository([
+            ['name' => 'VISA', 'active' => '1'],
+            ['name' => 'AMEX', 'active' => '1'],
+        ]);
+        $fieldRepository = $this->mockFieldRepository(['VISA' => true, 'AMEX' => false]);
+        $obtainPaymentMethods = $this->mockObtainPaymentMethods(['VISA', 'TWINT']);
+
+        // Both tables are rebuilt.
+        $paymentRepository->expects($this->once())->method('truncateTable');
+        $fieldRepository->expects($this->once())->method('truncateTable');
+
+        // VISA keeps active=1; TWINT added as active=0; AMEX (removed) is never re-inserted.
+        $paymentRepository->expects($this->exactly(2))
+            ->method('insertPayment')
+            ->withConsecutive(
+                [['name' => 'VISA', 'active' => 1]],
+                [['name' => 'TWINT', 'active' => 0]]
+            );
+        // Custom-form flag preserved for VISA (true -> 1), default 0 for the new TWINT.
+        $fieldRepository->expects($this->exactly(2))
+            ->method('insertField')
+            ->withConsecutive(
+                [['name' => 'VISA', 'active' => 1]],
+                [['name' => 'TWINT', 'active' => 0]]
+            );
+
+        $this->makeService($paymentRepository, $obtainPaymentMethods, $fieldRepository)->refreshPayments();
+    }
+
+    public function testDoesNothingWhenNoActivePaymentMethodsStored()
+    {
+        $paymentRepository = $this->mockPaymentRepository([]);
+        $fieldRepository = $this->mockFieldRepository([]);
+        $obtainPaymentMethods = $this->mockObtainPaymentMethods(['VISA']);
+
+        // Early return: no API reconciliation and no destructive rebuild.
+        $obtainPaymentMethods->expects($this->never())->method('obtainPaymentMethodsNamesAsArray');
+        $paymentRepository->expects($this->never())->method('truncateTable');
+        $paymentRepository->expects($this->never())->method('insertPayment');
+
+        $this->makeService($paymentRepository, $obtainPaymentMethods, $fieldRepository)->refreshPayments();
+    }
+
+    private function makeService($paymentRepository, $obtainPaymentMethods, $fieldRepository)
+    {
+        return new SaferPayRefreshPaymentsService(
+            $paymentRepository,
+            $obtainPaymentMethods,
+            $this->createMockWithMethods(SaferPayRestrictionRepository::class, []),
+            $fieldRepository,
+            $this->createMockWithMethods(LoggerInterface::class, [])
+        );
+    }
+
+    private function mockPaymentRepository(array $activePayments)
+    {
+        $mock = $this->createMockWithMethods(
+            SaferPayPaymentRepository::class,
+            ['getActivePaymentMethods', 'truncateTable', 'insertPayment']
+        );
+        $mock->method('getActivePaymentMethods')->willReturn($activePayments);
+
+        return $mock;
+    }
+
+    private function mockFieldRepository(array $activeByName)
+    {
+        $mock = $this->createMockWithMethods(
+            SaferPayFieldRepository::class,
+            ['isActiveByName', 'truncateTable', 'insertField']
+        );
+        $mock->method('isActiveByName')->willReturnCallback(function ($name) use ($activeByName) {
+            return isset($activeByName[$name]) ? $activeByName[$name] : false;
+        });
+
+        return $mock;
+    }
+
+    private function mockObtainPaymentMethods(array $names)
+    {
+        $mock = $this->createMockWithMethods(
+            SaferPayObtainPaymentMethods::class,
+            ['obtainPaymentMethodsNamesAsArray']
+        );
+        $mock->method('obtainPaymentMethodsNamesAsArray')->willReturn($names);
+
+        return $mock;
+    }
+
+    private function createMockWithMethods($class, array $methods)
+    {
+        $builder = $this->getMockBuilder($class)->disableOriginalConstructor();
+        if (!empty($methods)) {
+            $builder->setMethods($methods);
+        }
+
+        return $builder->getMock();
+    }
+}