diff --git a/frontend/src/components/UserSettings/UserThankYouCard.spec.js b/frontend/src/components/UserSettings/UserThankYouCard.spec.js
index 58c0481bf9..535bb138e6 100644
--- a/frontend/src/components/UserSettings/UserThankYouCard.spec.js
+++ b/frontend/src/components/UserSettings/UserThankYouCard.spec.js
@@ -146,11 +146,69 @@ describe('UserThankYouCard', () => {
           BButton,
           BFormInput,
           // The dialog's own machinery is not what is under test here, and the real one
-          // teleports its content out of the wrapper. This stub keeps the two things the
-          // tests do care about: it shows its content only while open, and it closes.
+          // teleports its content out of the wrapper. This stub keeps what the tests do
+          // care about: it shows its content only while open, and it carries the FOOTER
+          // buttons, because that is where the save button lives.
+          //
+          // ⚠️ The emitted payload has a `preventDefault`, and that is not decoration: the
+          // page writes `@ok.prevent`, which Vue compiles into a call on this object. A
+          // bare payload would throw here — and a stub that cannot take `.prevent` cannot
+          // test a dialog whose whole point is that it does not close itself.
           BModal: {
-            props: ['modelValue'],
-            template: '<div v-if="modelValue" class="modal-stub"><slot /></div>',
+            props: ['modelValue', 'okTitle', 'cancelTitle', 'okDisabled', 'cancelDisabled', 'busy'],
+            computed: {
+              // Exactly how the library computes them (`disableCancel = cancelDisabled ||
+              // busy`, `disableOk = okDisabled || busy`). Modelled rather than simplified:
+              // the page passes only `busy`, so a stub that read `okDisabled` alone would
+              // report both buttons live and quietly stop testing the guard.
+              disableOk() {
+                return Boolean(this.okDisabled || this.busy)
+              },
+              disableCancel() {
+                return Boolean(this.cancelDisabled || this.busy)
+              },
+            },
+            emits: ['ok', 'cancel', 'hide', 'update:modelValue'],
+            methods: {
+              // Cancel is the whole chain the real one runs: it announces itself, announces
+              // that the dialog is going, and then goes. A stub that only emitted `cancel`
+              // would leave the dialog standing and quietly turn every test about closing
+              // into a test about nothing.
+              onCancel() {
+                this.$emit('cancel', { preventDefault() {} })
+                this.$emit('hide', { preventDefault() {} })
+                this.$emit('update:modelValue', false)
+              },
+              /**
+               * ⛔ OK closes UNLESS the listener prevents it, which is what the real one
+               * does — and modelling that is the whole point of this stub.
+               *
+               * A stub that simply never closed on OK looked right (the page does prevent
+               * it) and measured nothing: removing `.prevent` from the page left all
+               * thirty-six tests green. The behaviour under test is a CONDITION, so the
+               * stub has to carry the condition, not the outcome the page happens to pick.
+               */
+              onOk() {
+                const event = {
+                  defaultPrevented: false,
+                  preventDefault() {
+                    this.defaultPrevented = true
+                  },
+                }
+                this.$emit('ok', event)
+                if (!event.defaultPrevented) {
+                  this.$emit('hide', { preventDefault() {} })
+                  this.$emit('update:modelValue', false)
+                }
+              },
+            },
+            template:
+              '<div v-if="modelValue" class="modal-stub"><slot />' +
+              '<button data-test="thank-you-card-dialog-cancel" :disabled="disableCancel"' +
+              ' @click="onCancel">{{ cancelTitle }}</button>' +
+              '<button data-test="thank-you-card-dialog-ok" :disabled="disableOk"' +
+              ' @click="onOk">{{ okTitle }}</button>' +
+              '</div>',
           },
           // AppModal teleports to body, so its content would leave the wrapper. The stub
           // keeps the two things the tests care about: it shows while open, and its ok
@@ -309,6 +367,65 @@ describe('UserThankYouCard', () => {
       expect(wrapper.find('.modal-stub').exists()).toBe(false)
     })
 
+    /**
+     * ⛔ The half the dialog's own footer would get wrong on its own. A BModal closes when
+     * its OK is pressed; here it must not, because the PIN may come back refused and the
+     * message about it would land on a screen that no longer shows the field it is about --
+     * with the six digits gone, so there is nothing to correct either.
+     *
+     * That is what `@ok.prevent` buys, and it is one dropped modifier away from being lost
+     * silently: the happy path above stays green either way.
+     */
+    it('keeps the dialog standing when the server refuses the pin', async () => {
+      mockSaveSettings.mockRejectedValue(new Error('pin too easy'))
+      await mountWith()
+      await buttonWith('thank-you-card.settings.change-pin').trigger('click')
+      await field('new-pin').setValue('407312')
+      await dialogButtonWith('form.save').trigger('click')
+      await flushPromises()
+
+      expect(wrapper.find('.modal-stub').exists()).toBe(true)
+      expect(field('new-pin').element.value).toBe('407312')
+    })
+
+    /**
+     * ⛔ While the PIN is on its way, NEITHER button may be pressed — which is why the page
+     * passes `busy` rather than `ok-disabled`: the library derives both from it. With only
+     * OK guarded, Cancel stayed live during the save, and pressing it shut the dialog on a
+     * request that was still running.
+     *
+     * (Deliberately not sealed any further: the x, Escape and the backdrop still work. A
+     * request that hangs must not leave anybody locked in a box with two dead buttons.)
+     */
+    it('takes both buttons out of reach while the pin is on its way', async () => {
+      let finish
+      mockSaveSettings.mockReturnValue(new Promise((resolve) => (finish = resolve)))
+      await mountWith()
+      await buttonWith('thank-you-card.settings.change-pin').trigger('click')
+      await field('new-pin').setValue('407312')
+      await dialogButtonWith('form.save').trigger('click')
+      await nextTick()
+
+      expect(field('dialog-ok').attributes('disabled')).toBeDefined()
+      expect(field('dialog-cancel').attributes('disabled')).toBeDefined()
+
+      finish({})
+      await flushPromises()
+    })
+
+    // Backing out has to leave nothing behind: until this dialog had a Cancel at all, the
+    // only way out was the little x, and a half-typed PIN sat there until the next visit.
+    it('forgets a half-typed pin when the dialog is closed again', async () => {
+      await mountWith()
+      await buttonWith('thank-you-card.settings.change-pin').trigger('click')
+      await field('new-pin').setValue('4073')
+      await field('dialog-cancel').trigger('click')
+      await flushPromises()
+      await buttonWith('thank-you-card.settings.change-pin').trigger('click')
+
+      expect(field('new-pin').element.value).toBe('')
+    })
+
     // ⛔ Without the fallbacks an empty field would send 0, and a limit of zero is a card
     // that cannot pay anything - switched on, and useless, with nothing saying why.
     it('falls back to a usable pair of limits when the fields are empty', async () => {
diff --git a/frontend/src/components/UserSettings/UserThankYouCard.vue b/frontend/src/components/UserSettings/UserThankYouCard.vue
index fc1ba5caf4..eda246c420 100644
--- a/frontend/src/components/UserSettings/UserThankYouCard.vue
+++ b/frontend/src/components/UserSettings/UserThankYouCard.vue
@@ -144,7 +144,41 @@
       </p>
     </AppModal>
 
-    <BModal v-model="showSetup" :title="$t('thank-you-card.settings.pin-title')" hide-footer>
+    <!--
+      ⛔ `no-footer`, NOT `hide-footer`. bootstrap-vue-next renamed the prop; the old name is
+      accepted silently as a plain attribute and does nothing, so the dialog kept its default
+      footer and the panel showed TWO sets of buttons -- a save button of its own plus an
+      untranslated OK/Cancel pair underneath. Nothing warns about this.
+
+      The footer is the answer rather than something to hide: a dialog's actions belong in
+      it, and it brings the Cancel this dialog never had -- until now the only way out was
+      the little x in the corner.
+
+      ⚠️ `@ok.prevent`, because the dialog must NOT close itself: `savePin` closes it only
+      after the server has taken the PIN. A rejected PIN has to leave the dialog standing,
+      or the message lands on a screen that no longer shows the field it is about.
+
+      ⚠️ `busy`, not `ok-disabled`: the library computes both buttons from it
+      (`disableCancel = cancelDisabled || busy`, `disableOk = okDisabled || busy`), so a save
+      in flight takes Cancel out of reach too. Read in the shipped bundle, not assumed.
+
+      ⛔ And deliberately NOT `no-close-on-backdrop` / `no-close-on-esc` / `no-header-close`,
+      although a reviewer asked for them. Dismissing mid-save costs nothing: the mutation is
+      already sent, `run` still refetches and reports, and `@hide` clears the field -- the
+      worst case is a success message arriving after the box is gone. Sealing all three would
+      buy that back at the price of a request that hangs leaving somebody locked in a dialog
+      with both buttons dead and no way out at all, because `run` has no timeout. The x stays.
+    -->
+    <BModal
+      v-model="showSetup"
+      :title="$t('thank-you-card.settings.pin-title')"
+      :ok-title="$t('form.save')"
+      ok-variant="gradido"
+      :cancel-title="$t('form.cancel')"
+      :busy="busy"
+      @ok.prevent="savePin"
+      @hide="newPin = ''"
+    >
       <!--
         The rules carry an id so the field can point at them: a screen reader then reads
         what the PIN may be WITH the field, rather than leaving it behind as a paragraph
@@ -192,9 +226,6 @@
           </BButton>
         </template>
       </BInputGroup>
-      <BButton class="mt-3" variant="gradido" :disabled="busy" @click="savePin">
-        {{ $t('form.save') }}
-      </BButton>
     </BModal>
   </div>
 </template>
diff --git a/frontend/src/layouts/DashboardLayout.spec.js b/frontend/src/layouts/DashboardLayout.spec.js
index cf6680d0b6..461156f487 100644
--- a/frontend/src/layouts/DashboardLayout.spec.js
+++ b/frontend/src/layouts/DashboardLayout.spec.js
@@ -125,10 +125,71 @@ describe('DashboardLayout', () => {
   })
 
   afterEach(() => {
+    // ⚠️ Every test mounts a layout and none took it down again, so they piled up and each
+    // one kept listening. Harmless while nothing in here reacted to anything global — and
+    // wrong the moment something did: a route change reached FOUR live layouts and the
+    // refetch spy counted four calls for one navigation.
+    wrapper?.unmount()
     vi.clearAllMocks()
     vi.clearAllTimers()
   })
 
+  /**
+   * The balance in the header is fetched once, when this layout mounts — and the layout
+   * outlives every route change. Until this watch existed, only a page that said so kept it
+   * current (`Send` after a transfer, `Transactions` on paging), so a payment made anywhere
+   * else left the old number standing everywhere the member went next. A thank you card
+   * payment is exactly that: its own page, at somebody else's till, saying nothing here.
+   */
+  describe('the balance in the header', () => {
+    it('asks again when the member opens the overview', async () => {
+      await router.push('/transactions')
+      mockRefetchFn.mockClear()
+
+      await router.push('/overview')
+      await nextTick()
+
+      expect(mockRefetchFn).toHaveBeenCalledTimes(1)
+    })
+
+    it('asks again when the member opens the transactions', async () => {
+      await router.push('/overview')
+      mockRefetchFn.mockClear()
+
+      await router.push('/transactions')
+      await nextTick()
+
+      expect(mockRefetchFn).toHaveBeenCalledTimes(1)
+    })
+
+    /**
+     * ⚠️ With NO arguments. `refetch(variables)` replaces them, so passing the paging ones
+     * along would send somebody sitting on page three back to page one every time they
+     * glanced at their balance. Empty means "the same question again".
+     */
+    it('asks the same question again, rather than resetting the paging', async () => {
+      await router.push('/settings')
+      mockRefetchFn.mockClear()
+
+      await router.push('/transactions')
+      await nextTick()
+
+      expect(mockRefetchFn).toHaveBeenCalledWith()
+    })
+
+    // The counterpart, and the one that keeps this from becoming "refetch on every click":
+    // it is the two pages that show a balance, not the whole wallet.
+    it('leaves other pages alone', async () => {
+      await router.push('/overview')
+      mockRefetchFn.mockClear()
+
+      await router.push('/settings')
+      await nextTick()
+
+      expect(mockRefetchFn).not.toHaveBeenCalled()
+    })
+  })
+
   it('renders DIV .main-page', () => {
     expect(wrapper.find('div.main-page').exists()).toBe(true)
   })
@@ -213,6 +274,27 @@ describe('DashboardLayout', () => {
         onErrorHandler({ message: 'Ouch!' })
         expect(toastErrorSpy).toHaveBeenCalledWith('Ouch!')
       })
+
+      /**
+       * ⛔ `pending` is handed down to the page inside the router-view, so a refetch that
+       * fails must not leave it standing — that page would wait for something that is never
+       * coming. It mattered less while only a deliberate action set it; now that opening the
+       * overview or the transactions sets it, one failed request would strand whatever the
+       * member opened next. (coderabbit, #3763)
+       */
+      it('stops the page waiting when the refetch fails', async () => {
+        await router.push('/overview')
+        await nextTick()
+        // Read off the stub's rendered attributes: `RouterView: true` makes a stub that
+        // declares no props, so what the layout hands down arrives as attrs, not props.
+        const pendingNow = () => wrapper.find('router-view-stub').attributes('pending')
+        expect(pendingNow()).toBe('true')
+
+        onErrorHandler({ message: 'Ouch!' })
+        await nextTick()
+
+        expect(pendingNow()).toBe('false')
+      })
     })
 
     it('has a component Navbar', () => {
diff --git a/frontend/src/layouts/DashboardLayout.vue b/frontend/src/layouts/DashboardLayout.vue
index e9ee386a97..59f6517739 100755
--- a/frontend/src/layouts/DashboardLayout.vue
+++ b/frontend/src/layouts/DashboardLayout.vue
@@ -198,7 +198,7 @@
 </template>
 
 <script setup>
-import { computed, onMounted, ref } from 'vue'
+import { computed, onMounted, ref, watch } from 'vue'
 import { useStore } from 'vuex'
 import { useRoute, useRouter } from 'vue-router'
 import { useQuery, useMutation } from '@vue/apollo-composable'
@@ -281,6 +281,36 @@ const updateTransactions = ({ currentPage, pageSize }) => {
   useRefetchTransactionsQuery({ currentPage, pageSize })
 }
 
+/**
+ * The two pages a member opens to check where they stand.
+ *
+ * ⛔ The balance in the header is fetched ONCE, when this layout mounts -- and the layout
+ * outlives every route change, so nothing brings it up to date on its own. Until now the
+ * only thing that refreshed it was a page saying so: `Send` emits `update-transactions`
+ * after a transfer, `Transactions` on paging. A payment made anywhere ELSE left the old
+ * number standing on every screen the member visited afterwards -- and a thank you card
+ * payment happens on its own page, at somebody else's till, and says nothing to this layout.
+ *
+ * ⚠️ Not a cache policy and not a page reload. The query already asks the server
+ * (`network-only`); it simply never ran a second time. A reload would have hidden that by
+ * throwing the whole application away, which is why it looked like an answer.
+ *
+ * ⚠️ Refetched with NO arguments: Apollo then reuses the variables the query already has,
+ * so somebody sitting on page three of their transactions is not sent back to page one.
+ */
+const PAGES_SHOWING_A_BALANCE = ['/overview', '/transactions']
+
+watch(
+  () => route.path,
+  (path) => {
+    if (!PAGES_SHOWING_A_BALANCE.includes(path)) {
+      return
+    }
+    pending.value = true
+    useRefetchTransactionsQuery()
+  },
+)
+
 onResult((value) => {
   if (value && value.data) {
     if (value.data.transactionList) {
@@ -302,6 +332,12 @@ onResult((value) => {
 
 onError((error) => {
   transactionCount.value = -1
+  // ⚠️ Cleared here too, not only on the way that succeeds. `pending` is handed to the page
+  // inside the router-view, so a refetch that fails leaves that page waiting for something
+  // that is never coming. It mattered less while only a deliberate action set it; since the
+  // watch above sets it on every navigation to those two pages, one failed request would
+  // strand whatever the member opened next.
+  pending.value = false
   toastError(error.message)
 })
 
diff --git a/frontend/src/locales/de.json b/frontend/src/locales/de.json
index 2f0473adf8..94ade36f0b 100644
--- a/frontend/src/locales/de.json
+++ b/frontend/src/locales/de.json
@@ -375,7 +375,7 @@
     "contact-placeholder": "E-Mail, Telefon, Netzseite … — eine Angabe je Zeile",
     "contact-print-heading": "Wort mitdrucken",
     "contact-too-many": "Mehr als {max} Zeilen — nur die ersten {max} stehen auf der Karte.",
-    "description": "Zum Ausdrucken und Weitergeben: Dein Name, Deine Gemeinschaft, Dein Benutzername, Dein QR-Code und Deine Kontaktzeilen auf einer Karte in Scheckkartengröße. Wer sie bekommt, kann Dir Gradido schenken — und Dich erreichen.",
+    "description": "Zum Ausdrucken und Weitergeben: Dein Name, Deine Gemeinschaft, Dein Benutzername, Dein QR-Code und Deine Kontaktzeilen auf einer Karte in Scheckkartengröße. Wer sie bekommt, kann Dir Gradido senden — und Dich erreichen.",
     "download": "Karte herunterladen",
     "download-hint": "Ein einzelnes Bild in Druckqualität — für eine Druckerei oder zum Weitergeben.",
     "needs-username": "Deine Karte trägt Deine Gradido-Adresse — und die entsteht aus Deinem Benutzernamen. Bitte wähle zunächst einen; das Feld dafür findest Du etwas weiter oben auf dieser Seite. Danach kannst Du Deine Karte drucken und weitergeben.",
@@ -786,18 +786,16 @@
     "back-to-account": "Zurück zum Konto",
     "name": "Dank-Karte",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "noch {n} Versuche",
-      "card": "Karte: {label}",
       "default-memo": "Kartenzahlung",
       "next": "Weiter",
       "next-payment": "Nächste Zahlung",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Bitte Deine PIN",
-      "received": "Du hast {amount} GDD von {name} empfangen.",
       "remember-memo": "Diesen Verwendungszweck merken",
+      "sent-from-to": "gesendet von {from} an {to}",
       "subtitle": "Eine Dank-Karte wurde gescannt.",
-      "thanks": "1000 Dank!",
-      "title": "Gradido empfangen"
+      "thanks": "Vielen Dank!"
     },
     "settings": {
       "block": "Karte sperren",
@@ -808,7 +806,7 @@
       "change-pin": "PIN ändern",
       "create": "Karte anlegen",
       "created": "Die Karte ist angelegt.",
-      "disable": "Kartenzahlung ausschalten",
+      "disable": "Karten-Funktion ausschalten",
       "disabled": "Kartenzahlung ist ausgeschaltet.",
       "earlier-cards": "Frühere Karten",
       "enable": "PIN setzen und einschalten",
@@ -828,7 +826,7 @@
       "saved": "Gespeichert",
       "sheet": "Bogen drucken",
       "sheet-hint": "Eine Karte in Originalgröße auf einer A4-Seite, zum Ausschneiden an der dünnen Linie. Im Druckfenster kannst Du sie auch als PDF sichern.",
-      "title": "Mit Karte danken",
+      "title": "Deine Dank-Karte – Gradido senden mit Karte",
       "unblock": "Entsperren",
       "unblock-needs-no-active": "Zum Entsperren muss zuerst die aktive Karte gesperrt werden — es kann immer nur eine Karte bezahlen.",
       "unblocked": "Die Karte ist wieder entsperrt.",
diff --git a/frontend/src/locales/el.json b/frontend/src/locales/el.json
index 4da16f392e..d9b67a86d9 100644
--- a/frontend/src/locales/el.json
+++ b/frontend/src/locales/el.json
@@ -784,18 +784,16 @@
     "back-to-account": "Back to account",
     "name": "Thank you card",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "{n} tries left",
-      "card": "Card: {label}",
       "default-memo": "Card payment",
       "next": "Continue",
       "next-payment": "Next payment",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Your PIN, please",
-      "received": "You received {amount} GDD from {name}.",
       "remember-memo": "Remember this reference",
+      "sent-from-to": "sent by {from} to {to}",
       "subtitle": "A thank you card was scanned.",
-      "thanks": "A thousand thanks!",
-      "title": "Receive Gradido"
+      "thanks": "Thank you!"
     },
     "settings": {
       "block": "Block card",
@@ -806,7 +804,7 @@
       "change-pin": "Change PIN",
       "create": "Create card",
       "created": "The card has been created.",
-      "disable": "Switch card payment off",
+      "disable": "Switch the card function off",
       "disabled": "Card payment is switched off.",
       "earlier-cards": "Earlier cards",
       "enable": "Set a PIN and switch on",
@@ -826,7 +824,7 @@
       "saved": "Saved",
       "sheet": "Print sheet",
       "sheet-hint": "One card at its real size on an A4 page, to cut out along the thin line. The print dialogue can also save it as a PDF.",
-      "title": "Give thanks by card",
+      "title": "Your thank you card — send Gradido by card",
       "unblock": "Unblock",
       "unblock-needs-no-active": "To unblock this one, block the active card first — only one card can pay at a time.",
       "unblocked": "The card works again.",
diff --git a/frontend/src/locales/en.json b/frontend/src/locales/en.json
index 9a32e97283..7bada58780 100644
--- a/frontend/src/locales/en.json
+++ b/frontend/src/locales/en.json
@@ -375,7 +375,7 @@
     "contact-placeholder": "E-mail, phone, website … — one entry per line",
     "contact-print-heading": "print this word",
     "contact-too-many": "More than {max} lines — only the first {max} are printed on the card.",
-    "description": "To print and hand out: your name, your community, your username, your QR code and your contact lines on a card the size of a bank card. Whoever receives it can give you Gradido — and reach you.",
+    "description": "To print and hand out: your name, your community, your username, your QR code and your contact lines on a card the size of a bank card. Whoever receives it can send you Gradido — and reach you.",
     "download": "Download card",
     "download-hint": "A single image in print quality — for a print shop or to pass on.",
     "needs-username": "Your card carries your Gradido address, and that address is built from your user name. Please choose one first — the field is a little further up on this page. Then you can print your card and give it away.",
@@ -786,18 +786,16 @@
     "back-to-account": "Back to account",
     "name": "Thank you card",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "{n} tries left",
-      "card": "Card: {label}",
       "default-memo": "Card payment",
       "next": "Continue",
       "next-payment": "Next payment",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Your PIN, please",
-      "received": "You received {amount} GDD from {name}.",
       "remember-memo": "Remember this reference",
+      "sent-from-to": "sent by {from} to {to}",
       "subtitle": "A thank you card was scanned.",
-      "thanks": "A thousand thanks!",
-      "title": "Receive Gradido"
+      "thanks": "Thank you!"
     },
     "settings": {
       "block": "Block card",
@@ -808,7 +806,7 @@
       "change-pin": "Change PIN",
       "create": "Create card",
       "created": "The card has been created.",
-      "disable": "Switch card payment off",
+      "disable": "Switch the card function off",
       "disabled": "Card payment is switched off.",
       "earlier-cards": "Earlier cards",
       "enable": "Set a PIN and switch on",
@@ -828,7 +826,7 @@
       "saved": "Saved",
       "sheet": "Print sheet",
       "sheet-hint": "One card at its real size on an A4 page, to cut out along the thin line. The print dialogue can also save it as a PDF.",
-      "title": "Give thanks by card",
+      "title": "Your thank you card — send Gradido by card",
       "unblock": "Unblock",
       "unblock-needs-no-active": "To unblock this one, block the active card first — only one card can pay at a time.",
       "unblocked": "The card works again.",
diff --git a/frontend/src/locales/es.json b/frontend/src/locales/es.json
index 19dc92bf75..162fd2a659 100644
--- a/frontend/src/locales/es.json
+++ b/frontend/src/locales/es.json
@@ -784,18 +784,16 @@
     "back-to-account": "Back to account",
     "name": "Thank you card",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "{n} tries left",
-      "card": "Card: {label}",
       "default-memo": "Card payment",
       "next": "Continue",
       "next-payment": "Next payment",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Your PIN, please",
-      "received": "You received {amount} GDD from {name}.",
       "remember-memo": "Remember this reference",
+      "sent-from-to": "sent by {from} to {to}",
       "subtitle": "A thank you card was scanned.",
-      "thanks": "A thousand thanks!",
-      "title": "Receive Gradido"
+      "thanks": "Thank you!"
     },
     "settings": {
       "block": "Block card",
@@ -806,7 +804,7 @@
       "change-pin": "Change PIN",
       "create": "Create card",
       "created": "The card has been created.",
-      "disable": "Switch card payment off",
+      "disable": "Switch the card function off",
       "disabled": "Card payment is switched off.",
       "earlier-cards": "Earlier cards",
       "enable": "Set a PIN and switch on",
@@ -826,7 +824,7 @@
       "saved": "Saved",
       "sheet": "Print sheet",
       "sheet-hint": "One card at its real size on an A4 page, to cut out along the thin line. The print dialogue can also save it as a PDF.",
-      "title": "Give thanks by card",
+      "title": "Your thank you card — send Gradido by card",
       "unblock": "Unblock",
       "unblock-needs-no-active": "To unblock this one, block the active card first — only one card can pay at a time.",
       "unblocked": "The card works again.",
diff --git a/frontend/src/locales/fr.json b/frontend/src/locales/fr.json
index 394ae69652..fb4304de72 100644
--- a/frontend/src/locales/fr.json
+++ b/frontend/src/locales/fr.json
@@ -784,18 +784,16 @@
     "back-to-account": "Back to account",
     "name": "Thank you card",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "{n} tries left",
-      "card": "Card: {label}",
       "default-memo": "Card payment",
       "next": "Continue",
       "next-payment": "Next payment",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Your PIN, please",
-      "received": "You received {amount} GDD from {name}.",
       "remember-memo": "Remember this reference",
+      "sent-from-to": "sent by {from} to {to}",
       "subtitle": "A thank you card was scanned.",
-      "thanks": "A thousand thanks!",
-      "title": "Receive Gradido"
+      "thanks": "Thank you!"
     },
     "settings": {
       "block": "Block card",
@@ -806,7 +804,7 @@
       "change-pin": "Change PIN",
       "create": "Create card",
       "created": "The card has been created.",
-      "disable": "Switch card payment off",
+      "disable": "Switch the card function off",
       "disabled": "Card payment is switched off.",
       "earlier-cards": "Earlier cards",
       "enable": "Set a PIN and switch on",
@@ -826,7 +824,7 @@
       "saved": "Saved",
       "sheet": "Print sheet",
       "sheet-hint": "One card at its real size on an A4 page, to cut out along the thin line. The print dialogue can also save it as a PDF.",
-      "title": "Give thanks by card",
+      "title": "Your thank you card — send Gradido by card",
       "unblock": "Unblock",
       "unblock-needs-no-active": "To unblock this one, block the active card first — only one card can pay at a time.",
       "unblocked": "The card works again.",
diff --git a/frontend/src/locales/it.json b/frontend/src/locales/it.json
index db15ce89b8..9af51212fa 100644
--- a/frontend/src/locales/it.json
+++ b/frontend/src/locales/it.json
@@ -784,18 +784,16 @@
     "back-to-account": "Back to account",
     "name": "Thank you card",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "{n} tries left",
-      "card": "Card: {label}",
       "default-memo": "Card payment",
       "next": "Continue",
       "next-payment": "Next payment",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Your PIN, please",
-      "received": "You received {amount} GDD from {name}.",
       "remember-memo": "Remember this reference",
+      "sent-from-to": "sent by {from} to {to}",
       "subtitle": "A thank you card was scanned.",
-      "thanks": "A thousand thanks!",
-      "title": "Receive Gradido"
+      "thanks": "Thank you!"
     },
     "settings": {
       "block": "Block card",
@@ -806,7 +804,7 @@
       "change-pin": "Change PIN",
       "create": "Create card",
       "created": "The card has been created.",
-      "disable": "Switch card payment off",
+      "disable": "Switch the card function off",
       "disabled": "Card payment is switched off.",
       "earlier-cards": "Earlier cards",
       "enable": "Set a PIN and switch on",
@@ -826,7 +824,7 @@
       "saved": "Saved",
       "sheet": "Print sheet",
       "sheet-hint": "One card at its real size on an A4 page, to cut out along the thin line. The print dialogue can also save it as a PDF.",
-      "title": "Give thanks by card",
+      "title": "Your thank you card — send Gradido by card",
       "unblock": "Unblock",
       "unblock-needs-no-active": "To unblock this one, block the active card first — only one card can pay at a time.",
       "unblocked": "The card works again.",
diff --git a/frontend/src/locales/nl.json b/frontend/src/locales/nl.json
index e6ecbbe3d6..6148c6f580 100644
--- a/frontend/src/locales/nl.json
+++ b/frontend/src/locales/nl.json
@@ -784,18 +784,16 @@
     "back-to-account": "Back to account",
     "name": "Thank you card",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "{n} tries left",
-      "card": "Card: {label}",
       "default-memo": "Card payment",
       "next": "Continue",
       "next-payment": "Next payment",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Your PIN, please",
-      "received": "You received {amount} GDD from {name}.",
       "remember-memo": "Remember this reference",
+      "sent-from-to": "sent by {from} to {to}",
       "subtitle": "A thank you card was scanned.",
-      "thanks": "A thousand thanks!",
-      "title": "Receive Gradido"
+      "thanks": "Thank you!"
     },
     "settings": {
       "block": "Block card",
@@ -806,7 +804,7 @@
       "change-pin": "Change PIN",
       "create": "Create card",
       "created": "The card has been created.",
-      "disable": "Switch card payment off",
+      "disable": "Switch the card function off",
       "disabled": "Card payment is switched off.",
       "earlier-cards": "Earlier cards",
       "enable": "Set a PIN and switch on",
@@ -826,7 +824,7 @@
       "saved": "Saved",
       "sheet": "Print sheet",
       "sheet-hint": "One card at its real size on an A4 page, to cut out along the thin line. The print dialogue can also save it as a PDF.",
-      "title": "Give thanks by card",
+      "title": "Your thank you card — send Gradido by card",
       "unblock": "Unblock",
       "unblock-needs-no-active": "To unblock this one, block the active card first — only one card can pay at a time.",
       "unblocked": "The card works again.",
diff --git a/frontend/src/locales/pt.json b/frontend/src/locales/pt.json
index cc7f08fd88..140b33b47c 100644
--- a/frontend/src/locales/pt.json
+++ b/frontend/src/locales/pt.json
@@ -784,18 +784,16 @@
     "back-to-account": "Back to account",
     "name": "Thank you card",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "{n} tries left",
-      "card": "Card: {label}",
       "default-memo": "Card payment",
       "next": "Continue",
       "next-payment": "Next payment",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Your PIN, please",
-      "received": "You received {amount} GDD from {name}.",
       "remember-memo": "Remember this reference",
+      "sent-from-to": "sent by {from} to {to}",
       "subtitle": "A thank you card was scanned.",
-      "thanks": "A thousand thanks!",
-      "title": "Receive Gradido"
+      "thanks": "Thank you!"
     },
     "settings": {
       "block": "Block card",
@@ -806,7 +804,7 @@
       "change-pin": "Change PIN",
       "create": "Create card",
       "created": "The card has been created.",
-      "disable": "Switch card payment off",
+      "disable": "Switch the card function off",
       "disabled": "Card payment is switched off.",
       "earlier-cards": "Earlier cards",
       "enable": "Set a PIN and switch on",
@@ -826,7 +824,7 @@
       "saved": "Saved",
       "sheet": "Print sheet",
       "sheet-hint": "One card at its real size on an A4 page, to cut out along the thin line. The print dialogue can also save it as a PDF.",
-      "title": "Give thanks by card",
+      "title": "Your thank you card — send Gradido by card",
       "unblock": "Unblock",
       "unblock-needs-no-active": "To unblock this one, block the active card first — only one card can pay at a time.",
       "unblocked": "The card works again.",
diff --git a/frontend/src/locales/ru.json b/frontend/src/locales/ru.json
index 3da331b245..b40806599e 100644
--- a/frontend/src/locales/ru.json
+++ b/frontend/src/locales/ru.json
@@ -784,18 +784,16 @@
     "back-to-account": "Back to account",
     "name": "Thank you card",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "{n} tries left",
-      "card": "Card: {label}",
       "default-memo": "Card payment",
       "next": "Continue",
       "next-payment": "Next payment",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Your PIN, please",
-      "received": "You received {amount} GDD from {name}.",
       "remember-memo": "Remember this reference",
+      "sent-from-to": "sent by {from} to {to}",
       "subtitle": "A thank you card was scanned.",
-      "thanks": "A thousand thanks!",
-      "title": "Receive Gradido"
+      "thanks": "Thank you!"
     },
     "settings": {
       "block": "Block card",
@@ -806,7 +804,7 @@
       "change-pin": "Change PIN",
       "create": "Create card",
       "created": "The card has been created.",
-      "disable": "Switch card payment off",
+      "disable": "Switch the card function off",
       "disabled": "Card payment is switched off.",
       "earlier-cards": "Earlier cards",
       "enable": "Set a PIN and switch on",
@@ -826,7 +824,7 @@
       "saved": "Saved",
       "sheet": "Print sheet",
       "sheet-hint": "One card at its real size on an A4 page, to cut out along the thin line. The print dialogue can also save it as a PDF.",
-      "title": "Give thanks by card",
+      "title": "Your thank you card — send Gradido by card",
       "unblock": "Unblock",
       "unblock-needs-no-active": "To unblock this one, block the active card first — only one card can pay at a time.",
       "unblocked": "The card works again.",
diff --git a/frontend/src/locales/tr.json b/frontend/src/locales/tr.json
index 8802ac8366..3ac7f50456 100644
--- a/frontend/src/locales/tr.json
+++ b/frontend/src/locales/tr.json
@@ -784,18 +784,16 @@
     "back-to-account": "Back to account",
     "name": "Thank you card",
     "receive": {
+      "amount": "{amount} GDD",
       "attempts-left": "{n} tries left",
-      "card": "Card: {label}",
       "default-memo": "Card payment",
       "next": "Continue",
       "next-payment": "Next payment",
-      "pin-subtitle": "{amount} GDD",
       "pin-title": "Your PIN, please",
-      "received": "You received {amount} GDD from {name}.",
       "remember-memo": "Remember this reference",
+      "sent-from-to": "sent by {from} to {to}",
       "subtitle": "A thank you card was scanned.",
-      "thanks": "A thousand thanks!",
-      "title": "Receive Gradido"
+      "thanks": "Thank you!"
     },
     "settings": {
       "block": "Block card",
@@ -806,7 +804,7 @@
       "change-pin": "Change PIN",
       "create": "Create card",
       "created": "The card has been created.",
-      "disable": "Switch card payment off",
+      "disable": "Switch the card function off",
       "disabled": "Card payment is switched off.",
       "earlier-cards": "Earlier cards",
       "enable": "Set a PIN and switch on",
@@ -826,7 +824,7 @@
       "saved": "Saved",
       "sheet": "Print sheet",
       "sheet-hint": "One card at its real size on an A4 page, to cut out along the thin line. The print dialogue can also save it as a PDF.",
-      "title": "Give thanks by card",
+      "title": "Your thank you card — send Gradido by card",
       "unblock": "Unblock",
       "unblock-needs-no-active": "To unblock this one, block the active card first — only one card can pay at a time.",
       "unblocked": "The card works again.",
diff --git a/frontend/src/pages/ThankYouCardPayment.spec.js b/frontend/src/pages/ThankYouCardPayment.spec.js
index 387822cff4..e70014e58b 100644
--- a/frontend/src/pages/ThankYouCardPayment.spec.js
+++ b/frontend/src/pages/ThankYouCardPayment.spec.js
@@ -4,6 +4,7 @@ import { describe, it, expect, beforeEach, afterEach, vi } from 'vitest'
 import { nextTick } from 'vue'
 import { BButton, BFormCheckbox, BFormInput } from 'bootstrap-vue-next'
 import ThankYouCardPayment from './ThankYouCardPayment.vue'
+import routes from '@/routes/routes'
 
 /**
  * The page a scanned card lands on, and the only place in the wallet where somebody else's
@@ -34,6 +35,11 @@ vi.mock('vue-router', () => ({
   useRoute: vi.fn(() => ({ params: { code: 'DK-abc123' } })),
 }))
 
+// The merchant, i.e. whoever is signed in on this device. The closing screen names them,
+// so the store has to answer here the same way it does in the wallet.
+const state = { firstName: 'Max', lastName: 'Mustermann' }
+vi.mock('vuex', () => ({ useStore: () => ({ state }) }))
+
 vi.mock('vue-i18n', () => ({
   useI18n: vi.fn(() => ({ t: (key) => key })),
 }))
@@ -85,6 +91,10 @@ describe('ThankYouCardPayment', () => {
 
   const createWrapper = () =>
     mount(ThankYouCardPayment, {
+      // ⚠️ Attached to the document, and that is not decoration: `focus()` on a detached
+      // element does nothing at all, so the cursor test would have measured the mounting
+      // style rather than the page. `afterEach` unmounts, which takes it back out.
+      attachTo: document.body,
       global: {
         mocks: { $t: (key, values) => (values ? `${key}:${JSON.stringify(values)}` : key) },
         stubs: { BButton, BFormCheckbox, BFormInput },
@@ -145,6 +155,13 @@ describe('ThankYouCardPayment', () => {
 
       expect(wrapper.text()).toContain('thank-you-card.status.CARD_BLOCKED')
       expect(field('amount').exists()).toBe(false)
+      // ⛔ The only way off this screen, and it was pointing at nothing: the route at
+      // `/overview` carries no name, so the named form threw in vue-router. Held against
+      // the REAL route table rather than against a string, so it fails if either end moves.
+      const back = wrapper.findAll('a').concat(wrapper.findAll('button'))
+      const target = back.map((node) => node.attributes('to') ?? node.attributes('href'))
+      expect(target).toContain('/overview')
+      expect(routes.some((route) => route.path === '/overview')).toBe(true)
       // ⚠️ Belt and braces, and worth saying which: this line cannot fail from deleting the
       // `v-if` guard — a blocked card never reaches that part of the template, which is why
       // the guard has its own test below. What it does catch is somebody putting the label
@@ -160,7 +177,7 @@ describe('ThankYouCardPayment', () => {
     it('names the card on the amount step, so the merchant sees which one was recognised', async () => {
       await mountUsable()
 
-      expect(field('label').text()).toContain(CARD_LABEL)
+      expect(field('label').text()).toBe(CARD_LABEL)
     })
 
     it('names it again on the pin step, where the owner is the one looking', async () => {
@@ -168,7 +185,7 @@ describe('ThankYouCardPayment', () => {
       await fillAndStart({})
 
       expect(field('pin').exists()).toBe(true)
-      expect(field('label').text()).toContain(CARD_LABEL)
+      expect(field('label').text()).toBe(CARD_LABEL)
     })
 
     /**
@@ -291,6 +308,20 @@ describe('ThankYouCardPayment', () => {
       vi.unstubAllGlobals()
     })
 
+    /**
+     * The cursor waits in the field. At a counter the phone changes hands and the payer
+     * should be able to type at once, without being told to tap the box first.
+     *
+     * Checked against `document.activeElement`, i.e. the browser's own answer to "where
+     * would typing go" — not against a spy on a method, which would pass just as well if
+     * the element it was called on had never been attached.
+     */
+    it('waits with the cursor in the field, so the payer can just type', async () => {
+      await reachPinStep()
+
+      expect(document.activeElement).toBe(field('pin').element)
+    })
+
     it('sends the pin as soon as six digits are in the field', async () => {
       await reachPinStep()
       await field('pin').setValue('407312')
@@ -334,11 +365,28 @@ describe('ThankYouCardPayment', () => {
       await flushPromises()
     }
 
-    it('names the payer once the money has moved', async () => {
+    /**
+     * ⛔ Two people read this screen, one after the other: the payer is still holding the
+     * phone when it appears and hands it back a moment later. So it may not address either
+     * of them as "you" — it names BOTH sides, and the test pins exactly that, because a
+     * sentence that is merely true for whoever is holding the phone reads fine in review
+     * and is wrong for the other half of every payment.
+     */
+    it('names payer and merchant, so the screen fits whoever is holding the phone', async () => {
       await payWith({ status: 'SUCCESS', payerName: 'Bibi Bloxberg' })
 
       expect(wrapper.text()).toContain('thank-you-card.receive.thanks')
-      expect(wrapper.text()).toContain('Bibi Bloxberg')
+      const parties = wrapper.find('[data-test="thank-you-card-paid-parties"]')
+      expect(parties.text()).toContain('"from":"Bibi Bloxberg"')
+      expect(parties.text()).toContain('"to":"Max Mustermann"')
+    })
+
+    it('shows what was paid on the closing screen, not only on the pin step', async () => {
+      await payWith({ status: 'SUCCESS', payerName: 'Bibi Bloxberg' })
+
+      const paid = wrapper.find('[data-test="thank-you-card-paid-amount"]')
+      expect(paid.text()).toContain('thank-you-card.receive.amount')
+      expect(paid.text()).toContain('"amount":"12,50"')
     })
 
     it('says how many attempts are left after a wrong pin, and stays on the pin step', async () => {
diff --git a/frontend/src/pages/ThankYouCardPayment.vue b/frontend/src/pages/ThankYouCardPayment.vue
index 964910ba5b..310f9a99b8 100644
--- a/frontend/src/pages/ThankYouCardPayment.vue
+++ b/frontend/src/pages/ThankYouCardPayment.vue
@@ -3,23 +3,36 @@
   <div class="thank-you-card-payment">
     <div v-if="unusable" class="text-center">
       <div class="fs-3 mb-3">{{ $t(`thank-you-card.status.${statusKey}`) }}</div>
-      <BButton variant="secondary" :to="{ name: 'Overview' }">
+      <!--
+        ⛔ By PATH, like every other link to the overview in this wallet. The route at
+        `/overview` carries NO name — `name: 'Overview'` in `Overview.vue` is the component's
+        name and has nothing to do with routing — so the named form here resolved to nothing
+        and vue-router throws on it. This is the screen somebody reaches after scanning a
+        blocked or unknown card, and its only way out was that button.
+      -->
+      <BButton variant="secondary" to="/overview">
         {{ $t('thank-you-card.back-to-account') }}
       </BButton>
     </div>
 
     <div v-else-if="step === 'amount'">
-      <div class="fs-4 mb-1">{{ $t('thank-you-card.receive.title') }}</div>
-      <div class="small text-muted" :class="cardLabel ? 'mb-1' : 'mb-3'">
+      <!-- ⚠️ No heading of its own. The wallet's own title bar already writes "Gradido
+           empfangen" above this from the route's `pageTitle`, and the page repeated it
+           word for word. -->
+      <div class="fs-5 text-muted" :class="cardLabel ? 'mb-1' : 'mb-3'">
         {{ $t('thank-you-card.receive.subtitle') }}
       </div>
       <!--
-        Which card is loaded, in the owner's own words. It is printed on the card, so it
-        gives nothing away -- and it is the answer to "is the old one still in there?" on a
-        till that scanned several cards in a row. See ThankYouCardPaymentTarget.
+        ★ The biggest thing on this screen, and deliberately so: it is what the merchant
+        checks before typing an amount, on a till that may have scanned three cards today.
+        Small grey text made that a squint. No "Card:" in front of it either -- the screen
+        is about a card, so the word only pushes the answer to the right.
+
+        It is printed on the card, so showing it gives nothing away. See
+        ThankYouCardPaymentTarget.
       -->
-      <div v-if="cardLabel" class="small mb-3" data-test="thank-you-card-label">
-        {{ $t('thank-you-card.receive.card', { label: cardLabel }) }}
+      <div v-if="cardLabel" class="fs-2 mb-3" data-test="thank-you-card-label">
+        {{ cardLabel }}
       </div>
 
       <label class="small" for="tyc-amount">{{ $t('form.amount') }}</label>
@@ -63,13 +76,16 @@
       <div id="tyc-pin-title" class="fs-4 mb-1">
         {{ $t('thank-you-card.receive.pin-title') }}
       </div>
-      <div id="tyc-pin-subtitle" class="small text-muted" :class="cardLabel ? 'mb-1' : 'mb-3'">
-        {{ $t('thank-you-card.receive.pin-subtitle', { amount: amount }) }}
+      <!-- ★ Big, because this is the number somebody is about to agree to pay on a device
+           that is not theirs. It is also the screen-reader description of the PIN field, so
+           what is said out loud and what is on screen stay the same sentence. -->
+      <div id="tyc-pin-subtitle" class="fs-2 mb-1">
+        {{ $t('thank-you-card.receive.amount', { amount: amount }) }}
       </div>
-      <!-- Shown here too: this is the step where the card's OWNER is looking at the screen,
-           and the label is how they recognise their own card. -->
-      <div v-if="cardLabel" class="small mb-3" data-test="thank-you-card-label">
-        {{ $t('thank-you-card.receive.card', { label: cardLabel }) }}
+      <!-- Readable, but below the amount: this is the step where the card's OWNER is
+           looking at the screen, and the label is how they recognise their own card. -->
+      <div v-if="cardLabel" class="fs-5 text-muted mb-3" data-test="thank-you-card-label">
+        {{ cardLabel }}
       </div>
 
       <!--
@@ -83,6 +99,7 @@
         (Bernd, 17.08.2026, when the eye was added to the settings field.)
       -->
       <BFormInput
+        ref="pinField"
         v-model="pin"
         :type="pinType"
         inputmode="numeric"
@@ -110,9 +127,22 @@
     </div>
 
     <div v-else-if="step === 'done'" class="text-center">
+      <!--
+        ★★ This screen is read by TWO people, and that is what shapes every line on it. The
+        payer is still holding the phone when it appears; a moment later they hand it back
+        and the merchant reads the same words. So nothing here may be addressed to "you" --
+        "Du hast … empfangen" was true for whoever was holding it second and wrong for the
+        person who had just paid. It names both sides instead, and then it fits both.
+
+        ⚠️ The comment lives INSIDE the branch on purpose: a comment between `v-if` and
+        `v-else-if` is a node the compiler has to step over, and this chain has four arms.
+      -->
       <div class="fs-3 mb-2">{{ $t('thank-you-card.receive.thanks') }}</div>
-      <div class="mb-3">
-        {{ $t('thank-you-card.receive.received', { amount: amount, name: payerName }) }}
+      <div class="fs-2 mb-2" data-test="thank-you-card-paid-amount">
+        {{ $t('thank-you-card.receive.amount', { amount: amount }) }}
+      </div>
+      <div class="mb-3" data-test="thank-you-card-paid-parties">
+        {{ $t('thank-you-card.receive.sent-from-to', { from: payerName, to: recipientName }) }}
       </div>
       <BButton variant="gradido" data-test="thank-you-card-again" @click="reset">
         {{ $t('thank-you-card.receive.next-payment') }}
@@ -144,8 +174,9 @@
  * which one it is still holding.
  */
 import { BButton, BFormCheckbox, BFormInput } from 'bootstrap-vue-next'
-import { computed, nextTick, onMounted, ref } from 'vue'
+import { computed, nextTick, onMounted, ref, watch } from 'vue'
 import { useI18n } from 'vue-i18n'
+import { useStore } from 'vuex'
 import { useMutation, useQuery } from '@vue/apollo-composable'
 import { useRoute } from 'vue-router'
 import {
@@ -165,6 +196,7 @@ const pinType = pinInputType()
 
 const route = useRoute()
 const { t } = useI18n()
+const store = useStore()
 const { toastError } = useAppToast()
 const { readRememberedMemo, writeRememberedMemo } = useThankYouCardMemo()
 
@@ -181,6 +213,17 @@ const payerName = ref('')
 const busy = ref(false)
 const targetStatus = ref(null)
 const cardLabel = ref('')
+const pinField = ref(null)
+
+/**
+ * Whoever is signed in on this device, which on this page is always the RECIPIENT -- the
+ * merchant. Read from the store rather than asked of the server: the wallet has known it
+ * since the login, and the closing screen has to name both sides (see the comment on the
+ * done step) without a round trip at the moment the phone changes hands.
+ */
+const recipientName = computed(() =>
+  `${store.state.firstName ?? ''} ${store.state.lastName ?? ''}`.trim(),
+)
 
 const unusable = computed(() => targetStatus.value !== null && targetStatus.value !== 'SUCCESS')
 const statusKey = computed(() => targetStatus.value ?? 'CARD_UNKNOWN')
@@ -214,6 +257,23 @@ onMounted(() => {
   memo.value = readRememberedMemo()
 })
 
+/**
+ * The cursor waits in the field, so the payer can start typing the moment the phone reaches
+ * them. At a counter that saves the one step nobody should have to be told about — the
+ * merchant hands the phone over and the keyboard is already up.
+ *
+ * `nextTick` because the step is a `v-else-if` branch: at the moment `step` changes, the
+ * field does not exist yet. And `focus` is the method BFormInput exposes for exactly this
+ * (`__expose({ blur, element: input, focus })`), so there is no reaching through `$el`.
+ */
+watch(step, async (value) => {
+  if (value !== 'pin') {
+    return
+  }
+  await nextTick()
+  pinField.value?.focus()
+})
+
 const startPayment = async () => {
   busy.value = true
   try {