diff --git a/src/components/dashboard/CreditsPage.tsx b/src/components/dashboard/CreditsPage.tsx
index f35e19a..f602a7b 100644
--- a/src/components/dashboard/CreditsPage.tsx
+++ b/src/components/dashboard/CreditsPage.tsx
@@ -74,6 +74,10 @@ type CheckoutState = {
   error: string;
   couponCode: string;
   couponApplied: boolean;
+  couponLoading: boolean;
+  couponError: string;
+  couponDiscountPaise: number;
+  couponFinalPriceInr: number;
 };
 
 async function apiFetch(path: string, opts?: RequestInit) {
@@ -120,6 +124,10 @@ export default function CreditsPage(props: Props) {
     error: "",
     couponCode: "",
     couponApplied: false,
+    couponLoading: false,
+    couponError: "",
+    couponDiscountPaise: 0,
+    couponFinalPriceInr: 0,
   });
   const isProfessional = () => PROFESSIONAL_ROLE_SET.has(props.roleKey);
   const prefix = () => ROLE_PREFIXES[props.roleKey];
@@ -302,22 +310,65 @@ export default function CreditsPage(props: Props) {
   onMount(loadAllData);
 
   const openCheckout = (pkg: Package) => {
-    setCheckout({ package: pkg, aiCreditPackage: null, orderId: null, step: "form", error: "", couponCode: "", couponApplied: false });
+    setCheckout({ package: pkg, aiCreditPackage: null, orderId: null, step: "form", error: "", couponCode: "", couponApplied: false, couponLoading: false, couponError: "", couponDiscountPaise: 0, couponFinalPriceInr: 0 });
   };
 
   const openAiCreditCheckout = (pkg: AiCreditPackage) => {
-    setCheckout({ package: null, aiCreditPackage: pkg, orderId: null, step: "form", error: "", couponCode: "", couponApplied: false });
+    setCheckout({ package: null, aiCreditPackage: pkg, orderId: null, step: "form", error: "", couponCode: "", couponApplied: false, couponLoading: false, couponError: "", couponDiscountPaise: 0, couponFinalPriceInr: 0 });
   };
 
   const closeCheckout = () => {
-    setCheckout({ package: null, aiCreditPackage: null, orderId: null, step: "form", error: "", couponCode: "", couponApplied: false });
+    setCheckout({ package: null, aiCreditPackage: null, orderId: null, step: "form", error: "", couponCode: "", couponApplied: false, couponLoading: false, couponError: "", couponDiscountPaise: 0, couponFinalPriceInr: 0 });
+  };
+
+  const applyCoupon = async (aiPkg: AiCreditPackage) => {
+    const code = checkout().couponCode.trim();
+    if (!code) return;
+    setCheckout((c) => ({ ...c, couponLoading: true, couponError: "", couponApplied: false }));
+    try {
+      const res = await apiFetch("/api/ai-credits/coupons/validate", {
+        method: "POST",
+        body: JSON.stringify({ package_id: aiPkg.id, coupon_code: code }),
+      });
+      const data = await res.json().catch(() => ({}));
+      if (res.ok && data.valid) {
+        setCheckout((c) => ({
+          ...c,
+          couponApplied: true,
+          couponError: "",
+          couponDiscountPaise: data.discount_paise ?? 0,
+          couponFinalPriceInr: data.final_price_inr ?? aiPkg.price_inr,
+        }));
+      } else {
+        setCheckout((c) => ({
+          ...c,
+          couponApplied: false,
+          couponError: data.message || "Invalid coupon code",
+          couponDiscountPaise: 0,
+          couponFinalPriceInr: 0,
+        }));
+      }
+    } catch {
+      setCheckout((c) => ({
+        ...c,
+        couponApplied: false,
+        couponError: "Network error validating coupon",
+        couponDiscountPaise: 0,
+        couponFinalPriceInr: 0,
+      }));
+    } finally {
+      setCheckout((c) => ({ ...c, couponLoading: false }));
+    }
   };
 
   const processAiCreditPayment = async (aiPkg: AiCreditPackage) => {
     setCheckout((c) => ({ ...c, step: "processing", error: "" }));
 
     try {
-      const coupon = checkout().couponCode.trim();
+      // Only forward the coupon once it's actually been validated by
+      // applyCoupon - typed-but-unapplied text must not silently discount
+      // the order. create_order re-validates it server-side regardless.
+      const coupon = checkout().couponApplied ? checkout().couponCode.trim() : "";
       const orderRes = await apiFetch("/api/ai-credits/order", {
         method: "POST",
         body: JSON.stringify({
@@ -701,12 +752,26 @@ export default function CreditsPage(props: Props) {
                           type="text"
                           placeholder="Enter coupon code"
                           value={checkout().couponCode}
-                          onInput={(e) => setCheckout((c) => ({ ...c, couponCode: e.currentTarget.value.toUpperCase(), couponApplied: false }))}
+                          onInput={(e) =>
+                            setCheckout((c) => ({
+                              ...c,
+                              couponCode: e.currentTarget.value.toUpperCase(),
+                              couponApplied: false,
+                              couponError: "",
+                              couponDiscountPaise: 0,
+                              couponFinalPriceInr: 0,
+                            }))
+                          }
+                          disabled={checkout().couponLoading}
                           style={{
                             flex: "1",
                             padding: "9px 12px",
                             "border-radius": "8px",
-                            border: checkout().couponApplied ? "1.5px solid #16A34A" : "1.5px solid #D1D5DB",
+                            border: checkout().couponApplied
+                              ? "1.5px solid #16A34A"
+                              : checkout().couponError
+                                ? "1.5px solid #DC2626"
+                                : "1.5px solid #D1D5DB",
                             "font-size": "13px",
                             outline: "none",
                             "letter-spacing": "0.05em",
@@ -714,12 +779,8 @@ export default function CreditsPage(props: Props) {
                         />
                         <button
                           type="button"
-                          onClick={() => {
-                            const code = checkout().couponCode.trim();
-                            if (code) {
-                              setCheckout((c) => ({ ...c, couponApplied: true }));
-                            }
-                          }}
+                          onClick={() => checkout().aiCreditPackage && applyCoupon(checkout().aiCreditPackage!)}
+                          disabled={checkout().couponLoading || !checkout().couponCode.trim()}
                           style={{
                             padding: "9px 14px",
                             "border-radius": "8px",
@@ -727,17 +788,24 @@ export default function CreditsPage(props: Props) {
                             background: "#F9FAFB",
                             "font-size": "13px",
                             "font-weight": "600",
-                            cursor: "pointer",
+                            cursor: checkout().couponLoading ? "wait" : "pointer",
                             color: "#374151",
                             "white-space": "nowrap",
+                            opacity: checkout().couponLoading || !checkout().couponCode.trim() ? 0.6 : 1,
                           }}
                         >
-                          Apply
+                          {checkout().couponLoading ? "Checking…" : "Apply"}
                         </button>
                       </div>
-                      <Show when={checkout().couponApplied && checkout().couponCode.trim()}>
+                      <Show when={checkout().couponApplied}>
                         <p style={{ margin: "0", "font-size": "12px", color: "#16A34A" }}>
-                          ✓ Coupon will be applied at checkout
+                          ✓ Coupon applied — you save{" "}
+                          {formatCurrency(checkout().couponDiscountPaise / 100)}
+                        </p>
+                      </Show>
+                      <Show when={checkout().couponError}>
+                        <p style={{ margin: "0", "font-size": "12px", color: "#DC2626" }}>
+                          {checkout().couponError}
                         </p>
                       </Show>
                     </div>
@@ -769,8 +837,14 @@ export default function CreditsPage(props: Props) {
                       "font-weight": "700",
                     }}
                   >
-                    Pay {formatCurrency(checkout().package ? checkout().package!.price : checkout().aiCreditPackage!.price_inr)}
-                    {checkout().couponApplied && checkout().couponCode.trim() ? " (coupon applied)" : ""}
+                    Pay{" "}
+                    {formatCurrency(
+                      checkout().package
+                        ? checkout().package!.price
+                        : checkout().couponApplied
+                          ? checkout().couponFinalPriceInr
+                          : checkout().aiCreditPackage!.price_inr
+                    )}
                   </button>
 
                   <p