diff --git a/packages/console/app/src/routes/zen/util/handler.ts b/packages/console/app/src/routes/zen/util/handler.ts
index 2e576eaf68..0aec4636cb 100644
--- a/packages/console/app/src/routes/zen/util/handler.ts
+++ b/packages/console/app/src/routes/zen/util/handler.ts
@@ -762,7 +762,8 @@ export async function handler(
     const billing = authInfo.billing
     const billingUrl = `https://opencode.ai/workspace/${authInfo.workspaceID}/billing`
     const membersUrl = `https://opencode.ai/workspace/${authInfo.workspaceID}/members`
-    if (!billing.paymentMethodID) throw new CreditsError(t("zen.api.error.noPaymentMethod", { billingUrl }))
+    if (billing.balance <= 0 && !billing.paymentMethodID)
+      throw new CreditsError(t("zen.api.error.noPaymentMethod", { billingUrl }))
     if (billing.balance <= 0) throw new CreditsError(t("zen.api.error.insufficientBalance", { billingUrl }))
 
     const now = new Date()