diff --git a/src/FilecoinPayV1.sol b/src/FilecoinPayV1.sol
index 0d1dc78..ab65f0d 100644
--- a/src/FilecoinPayV1.sol
+++ b/src/FilecoinPayV1.sol
@@ -1463,13 +1463,14 @@ contract FilecoinPayV1 is ReentrancyGuard {
             Errors.InsufficientFundsForSettlement(rail.token, rail.from, grossSettledAmount, payer.funds)
         );
 
+        uint256 actualSettledDuration = settledUntilEpoch - epochStart;
+        uint256 requiredLockup = rate * actualSettledDuration;
+
         // Verify payer has sufficient lockup for the settlement
         require(
-            payer.lockupCurrent >= grossSettledAmount,
-            Errors.InsufficientLockupForSettlement(rail.token, rail.from, payer.lockupCurrent, grossSettledAmount)
+            payer.lockupCurrent >= requiredLockup,
+            Errors.InsufficientLockupForSettlement(rail.token, rail.from, payer.lockupCurrent, requiredLockup)
         );
-        uint256 actualSettledDuration = settledUntilEpoch - epochStart;
-        uint256 requiredLockup = rate * actualSettledDuration;
 
         // Transfer funds from payer (always pays full settled amount)
         payer.funds -= grossSettledAmount;