diff --git a/sql/branch.py b/sql/branch.py
new file mode 100644
index 0000000000..30c3621ce0
--- /dev/null
+++ b/sql/branch.py
@@ -0,0 +1,16 @@
+from gratipay import wireup
+
+db = wireup.db(wireup.env())
+
+participants = db.all("""
+    SELECT p.*::participants
+      FROM participants p
+      JOIN payment_instructions pi ON pi.participant = p.username -- Only include those with tips
+""")
+total = len(participants)
+counter = 0
+
+for p in participants:
+    print("Participant %s/%s" % (counter, total))
+    p.update_giving_and_teams()
+    counter += 1
diff --git a/sql/branch.sql b/sql/branch.sql
new file mode 100644
index 0000000000..dc4aa22346
--- /dev/null
+++ b/sql/branch.sql
@@ -0,0 +1,3 @@
+BEGIN;
+    UPDATE payment_instructions SET due = 0 WHERE due > 9.41;
+END;
diff --git a/sql/payday.sql b/sql/payday.sql
index 1750b970e1..c790d267e2 100644
--- a/sql/payday.sql
+++ b/sql/payday.sql
@@ -186,13 +186,14 @@ CREATE OR REPLACE FUNCTION process_payment_instruction() RETURNS trigger AS $$
               FROM payday_participants p
              WHERE username = NEW.participant
         );
+
         IF (NEW.amount + NEW.due <= participant.new_balance OR participant.card_hold_ok) THEN
             EXECUTE pay(NEW.participant, NEW.team, NEW.amount + NEW.due, 'to-team');
             RETURN NEW;
-        ELSE
+        ELSIF participant.has_credit_card THEN
             EXECUTE park(NEW.participant, NEW.team, NEW.amount + NEW.due);
-            RETURN NULL;
         END IF;
+
         RETURN NULL;
     END;
 $$ LANGUAGE plpgsql;
@@ -202,6 +203,7 @@ CREATE TRIGGER process_payment_instruction BEFORE UPDATE OF is_funded ON payday_
     WHEN (NEW.is_funded IS true AND OLD.is_funded IS NOT true)
     EXECUTE PROCEDURE process_payment_instruction();
 
+
 -- Create a trigger to process takes
 
 CREATE OR REPLACE FUNCTION process_take() RETURNS trigger AS $$
diff --git a/tests/py/test_billing_payday.py b/tests/py/test_billing_payday.py
index 17a0284c34..52f9934328 100644
--- a/tests/py/test_billing_payday.py
+++ b/tests/py/test_billing_payday.py
@@ -101,6 +101,28 @@ def test_payday_preserves_due_until_charged(self, fch):
         assert obama.balance == D('0.00')
         assert obama.get_due('TheEnterprise') == D('0.00')
 
+    @mock.patch.object(Payday, 'fetch_card_holds')
+    def test_payday_keeps_dues_under_minimum_charge(self, fch):
+        Enterprise = self.make_team(is_approved=True)
+        self.obama.set_payment_instruction(Enterprise, '4.00')
+        assert self.obama.get_due('TheEnterprise') == D('0.00')
+
+        fch.return_value = {}
+        Payday.start().run()    # payday 0
+
+        assert self.obama.get_due('TheEnterprise') == D('4.00')
+
+        fch.return_value = {}
+        self.obama_route.update_error("failed") # card fails
+        Payday.start().run()    # payday 1
+
+        assert self.obama.get_due('TheEnterprise') == D('4.00')
+
+        fch.return_value = {}
+        Payday.start().run()    # payday 2
+
+        assert self.obama.get_due('TheEnterprise') == D('4.00')
+
     @mock.patch.object(Payday, 'fetch_card_holds')
     def test_payday_does_not_move_money_below_min_charge(self, fch):
         Enterprise  = self.make_team(is_approved=True)