diff --git a/src/builder.rs b/src/builder.rs
index ceb3c0918..87a520ba9 100644
--- a/src/builder.rs
+++ b/src/builder.rs
@@ -782,11 +782,22 @@ fn build_with_store_internal(
 
 	let tx_broadcaster = Arc::new(TransactionBroadcaster::new(Arc::clone(&logger)));
 	let fee_estimator = Arc::new(OnchainFeeEstimator::new());
+
+	let payment_store = match io::utils::read_payments(Arc::clone(&kv_store), Arc::clone(&logger)) {
+		Ok(payments) => {
+			Arc::new(PaymentStore::new(payments, Arc::clone(&kv_store), Arc::clone(&logger)))
+		},
+		Err(_) => {
+			return Err(BuildError::ReadFailed);
+		},
+	};
+
 	let wallet = Arc::new(Wallet::new(
 		bdk_wallet,
 		wallet_persister,
 		Arc::clone(&tx_broadcaster),
 		Arc::clone(&fee_estimator),
+		Arc::clone(&payment_store),
 		Arc::clone(&logger),
 	));
 
@@ -1176,16 +1187,6 @@ fn build_with_store_internal(
 		},
 	}
 
-	// Init payment info storage
-	let payment_store = match io::utils::read_payments(Arc::clone(&kv_store), Arc::clone(&logger)) {
-		Ok(payments) => {
-			Arc::new(PaymentStore::new(payments, Arc::clone(&kv_store), Arc::clone(&logger)))
-		},
-		Err(_) => {
-			return Err(BuildError::ReadFailed);
-		},
-	};
-
 	let event_queue = match io::utils::read_event_queue(Arc::clone(&kv_store), Arc::clone(&logger))
 	{
 		Ok(event_queue) => Arc::new(event_queue),
diff --git a/src/wallet/mod.rs b/src/wallet/mod.rs
index b52d937a3..5aaabe6d8 100644
--- a/src/wallet/mod.rs
+++ b/src/wallet/mod.rs
@@ -7,9 +7,10 @@
 
 use persist::KVStoreWalletPersister;
 
-use crate::logger::{log_debug, log_error, log_info, log_trace, Logger};
+use crate::logger::{log_debug, log_error, log_info, log_trace, FilesystemLogger, Logger};
 
 use crate::fee_estimator::{ConfirmationTarget, FeeEstimator};
+use crate::payment::store::PaymentStore;
 use crate::Error;
 
 use lightning::chain::chaininterface::BroadcasterInterface;
@@ -66,6 +67,7 @@ where
 	persister: Mutex<KVStoreWalletPersister>,
 	broadcaster: B,
 	fee_estimator: E,
+	payment_store: Arc<PaymentStore<Arc<FilesystemLogger>>>,
 	logger: L,
 }
 
@@ -77,11 +79,12 @@ where
 {
 	pub(crate) fn new(
 		wallet: bdk_wallet::PersistedWallet<KVStoreWalletPersister>,
-		wallet_persister: KVStoreWalletPersister, broadcaster: B, fee_estimator: E, logger: L,
+		wallet_persister: KVStoreWalletPersister, broadcaster: B, fee_estimator: E,
+		payment_store: Arc<PaymentStore<Arc<FilesystemLogger>>>, logger: L,
 	) -> Self {
 		let inner = Mutex::new(wallet);
 		let persister = Mutex::new(wallet_persister);
-		Self { inner, persister, broadcaster, fee_estimator, logger }
+		Self { inner, persister, broadcaster, fee_estimator, payment_store, logger }
 	}
 
 	pub(crate) fn get_full_scan_request(&self) -> FullScanRequest<KeychainKind> {