diff --git a/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java b/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java
index 843565a9d..63d66f9c3 100644
--- a/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java
+++ b/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java
@@ -1991,7 +1991,9 @@ public class ClientManagerImpl implements ClientManager, ManagerTodoNoticeProvid
                         convertExtRateValueDataVersion(rate, extRates, "overseas_rate_value");
                         rate.put("ext_rates", extRates);
                     }
-                    TransactionFee transFee = paymentApi.channelCalculator(rate.getString("rate_name")).convertTransactionFee(rate.getBigDecimal("transaction_fee"));
+                    TransactionFee transFee = Optional.ofNullable(paymentApi.channelCalculator(rate.getString("rate_name")))
+                            .map(calculator -> calculator.convertTransactionFee(rate.getBigDecimal("transaction_fee")))
+                            .orElse(TransactionFee.ZERO);
                     rate.put("transaction_fee", transFee.displayValue());
                 }
             } catch (Exception ignore) {
@@ -2038,8 +2040,9 @@ public class ClientManagerImpl implements ClientManager, ManagerTodoNoticeProvid
         configJson.put("manager_name", manager.getString("display_name"));
         configJson.put("create_time", new Date());
         configJson.put("update_time", new Date());
-        BigDecimal transactionFeeDecimal = config.getTransactionFee();
-        TransactionFee transFee = paymentApi.channelCalculator(config.getRateName()).convertTransactionFee(transactionFeeDecimal);
+        TransactionFee transFee = Optional.ofNullable(paymentApi.channelCalculator(config.getRateName()))
+                .map(calculator -> calculator.convertTransactionFee(config.getTransactionFee()))
+                .orElse(TransactionFee.ZERO);
         configJson.put("transaction_fee", transFee.storeValue());
         clientRateMapper.saveRate(configJson);
         // clientMapper.updateCleanDays(clientId, config.getCleanDays());
@@ -2113,7 +2116,9 @@ public class ClientManagerImpl implements ClientManager, ManagerTodoNoticeProvid
             newConfig.put("rate_name", channel);
             newConfig.put("pay_type", config.getString("pay_type"));
             BigDecimal transactionFeeDecimal = config.getBigDecimal("transaction_fee");
-            TransactionFee transFee = paymentApi.channelCalculator(channel).convertTransactionFee(transactionFeeDecimal);
+            TransactionFee transFee = Optional.ofNullable(paymentApi.channelCalculator(channel))
+                    .map(calculator -> calculator.convertTransactionFee(transactionFeeDecimal))
+                    .orElse(TransactionFee.ZERO);
             newConfig.put("transaction_fee", transFee.storeValue());
             if (!clientRateMapper.listClientRatesForSaving(clientId, config.getDate("active_time"), config.getDate("expiry_time"), config.getBigDecimal("rate_value"), config.getInteger("clean_days"), channel).isEmpty()) {
                 return;
@@ -2173,7 +2178,9 @@ public class ClientManagerImpl implements ClientManager, ManagerTodoNoticeProvid
         checkOrgPermission(manager, client);
         JSONObject configJson = config.toJSON();
         BigDecimal transactionFeeDecimal = config.getTransactionFee();
-        TransactionFee transFee = paymentApi.channelCalculator(config.getRateName()).convertTransactionFee(transactionFeeDecimal);
+        TransactionFee transFee = Optional.ofNullable(paymentApi.channelCalculator(config.getRateName()))
+                .map(calculator->calculator.convertTransactionFee(transactionFeeDecimal))
+                .orElse(TransactionFee.ZERO);
         configJson.put("transaction_fee", transFee.storeValue());
         JSONObject org = orgMapper.findOne(client.getIntValue("org_id"));
         checkModifyRate(org, configJson, "Wechat", "min_wechat_rate");