diff --git a/lib/receive/bloc/receive_cubit.dart b/lib/receive/bloc/receive_cubit.dart
index 2d963969..1dd76f12 100644
--- a/lib/receive/bloc/receive_cubit.dart
+++ b/lib/receive/bloc/receive_cubit.dart
@@ -20,7 +20,6 @@ class ReceiveCubit extends Cubit<ReceiveState> {
     WalletBloc? walletBloc,
     required WalletAddress walletAddress,
     required WalletsStorageRepository walletsStorageRepository,
-    required bool defaultPayjoin,
     required PayjoinSessionStorage payjoinSessionStorage,
     required PayjoinManager payjoinManager,
   })  : _walletsStorageRepository = walletsStorageRepository,
@@ -33,11 +32,6 @@ class ReceiveCubit extends Cubit<ReceiveState> {
             oneWallet: walletBloc != null,
           ),
         ) {
-    emit(
-      state.copyWith(
-        disablePayjoin: !defaultPayjoin,
-      ),
-    );
     loadAddress();
   }
 
@@ -69,6 +63,7 @@ class ReceiveCubit extends Cubit<ReceiveState> {
     // final watchOnly = walletBloc.state.wallet!.watchOnly();
     // if (watchOnly)
     //   emit(state.copyWith(paymentNetwork: ReceivePaymentNetwork.bitcoin));
+    isPayjoinDisabled();
     loadAddress();
     print('state.paymentNetwork: ${state.paymentNetwork}');
     if (state.paymentNetwork == PaymentNetwork.bitcoin &&
@@ -506,4 +501,20 @@ class ReceiveCubit extends Cubit<ReceiveState> {
     );
     return InputPair.newInstance(txin, psbtin);
   }
+
+  Future<void> isPayjoinDisabled() async {
+    final walletBloc = state.walletBloc;
+    final wallet = walletBloc?.state.wallet;
+    if (walletBloc == null || wallet == null) return;
+
+    print(
+      'payjoin disabled: ${wallet.utxos.isEmpty} –> utxos: ${wallet.utxos.length}',
+    );
+
+    if (wallet.utxos.isEmpty) {
+      emit(state.copyWith(disablePayjoin: true));
+    } else {
+      emit(state.copyWith(disablePayjoin: false));
+    }
+  }
 }
diff --git a/lib/receive/receive_page.dart b/lib/receive/receive_page.dart
index 8a517547..34cd6874 100644
--- a/lib/receive/receive_page.dart
+++ b/lib/receive/receive_page.dart
@@ -83,7 +83,6 @@ class _ReceivePageState extends State<ReceivePage> {
       walletAddress: locator<WalletAddress>(),
       walletsStorageRepository: locator<WalletsStorageRepository>(),
       walletBloc: widget.walletBloc,
-      defaultPayjoin: locator<SettingsCubit>().state.defaultPayjoin,
       payjoinSessionStorage: locator<PayjoinSessionStorage>(),
       payjoinManager: locator<PayjoinManager>(),
     );
@@ -1136,6 +1135,9 @@ class _ReceiveDisplayAddressState extends State<ReceiveDisplayAddress> {
 
     final addr = bip21Address.isNotEmpty ? bip21Address : widget.addressQr;
 
+    final isPayjoinDisabled =
+        context.select((ReceiveCubit _) => _.state.disablePayjoin);
+
     return AnimatedSwitcher(
       duration: const Duration(milliseconds: 350),
       child: !showToast
@@ -1143,6 +1145,25 @@ class _ReceiveDisplayAddressState extends State<ReceiveDisplayAddress> {
               crossAxisAlignment: CrossAxisAlignment.start,
               children: [
                 BBText.body(receiveAddressLabel),
+                if (isPayjoinDisabled)
+                  Card(
+                    color: Colors.yellow[100],
+                    margin: const EdgeInsets.all(10),
+                    child: const ListTile(
+                      leading: Icon(Icons.warning, color: Colors.orange),
+                      title: Text(
+                        'Payjoin transactions',
+                        style: TextStyle(
+                          fontWeight: FontWeight.bold,
+                          color: Colors.black,
+                        ),
+                      ),
+                      subtitle: Text(
+                        'Wallet does not meet the criteria',
+                        style: TextStyle(color: Colors.black87),
+                      ),
+                    ),
+                  ),
                 Row(
                   children: [
                     Expanded(