diff --git a/api/resolvers/wallet.js b/api/resolvers/wallet.js
index 4ec27a8c..11914f76 100644
--- a/api/resolvers/wallet.js
+++ b/api/resolvers/wallet.js
@@ -672,7 +672,10 @@ async function upsertWallet (
   if (!me) throw new GqlAuthenticationError()
   assertApiKeyNotPermitted({ me })
 
-  if (testCreateInvoice && !priorityOnly && canReceive) {
+  const { id, ...walletData } = data
+  const { autoWithdrawThreshold, autoWithdrawMaxFeePercent, enabled, priority } = settings
+
+  if (testCreateInvoice && !priorityOnly && canReceive && enabled) {
     try {
       await testCreateInvoice(data)
     } catch (err) {
@@ -685,15 +688,6 @@ async function upsertWallet (
     }
   }
 
-  const { id, ...walletData } = data
-  const {
-    autoWithdrawThreshold,
-    autoWithdrawMaxFeePercent,
-    autoWithdrawMaxFeeTotal,
-    enabled,
-    priority
-  } = settings
-
   return await models.$transaction(async (tx) => {
     if (canReceive) {
       await tx.user.update({