diff --git a/app/Services/CustomerInfoService.php b/app/Services/CustomerInfoService.php
index 2c048bf..fc4bb80 100644
--- a/app/Services/CustomerInfoService.php
+++ b/app/Services/CustomerInfoService.php
@@ -2,6 +2,7 @@
 
 namespace App\Services;
 
+use App\Models\CompanyStatus;
 use Illuminate\Support\Facades\Http;
 
 class CustomerInfoService
@@ -26,6 +27,15 @@ class CustomerInfoService
             return $requests;
         });
 
-        return [$responses[0]->json(), isset($responses[1]) ? $responses[1]->json() : []];
+        $customer = $responses[0]->json();
+
+        if ($pkbUrl === $koopUrl) {
+            // Preserve the source company: payment rules depend on this identity.
+            return config('api.company') == CompanyStatus::COM_KOOPPKB
+                ? [[], $customer]
+                : [$customer, []];
+        }
+
+        return [$customer, $responses[1]->json()];
     }
 }
diff --git a/config/api.php b/config/api.php
index 9ecec64..8b89034 100644
--- a/config/api.php
+++ b/config/api.php
@@ -4,6 +4,8 @@ $url = env('API_URL', 'https://apiujrah.erahn.com.my');
 
 return [
     'url' => $url,
+    // API Ujrah was the KOOP source before the endpoints were unified.
+    'company' => \App\Models\CompanyStatus::COM_KOOPPKB,
     // Keep existing KOOP callers on the same customer API.
     'url_koop' => $url,
 ];
diff --git a/tests/Feature/SingleApiPembiayaanTest.php b/tests/Feature/SingleApiPembiayaanTest.php
new file mode 100644
index 0000000..3340050
--- /dev/null
+++ b/tests/Feature/SingleApiPembiayaanTest.php
@@ -0,0 +1,66 @@
+<?php
+
+namespace Tests\Feature;
+
+use App\Models\CompanyStatus;
+use App\Services\PembiayaanService;
+use Illuminate\Support\Facades\Auth;
+use Illuminate\Support\Facades\Http;
+use Tests\TestCase;
+
+class SingleApiPembiayaanTest extends TestCase
+{
+    /** @dataProvider paymentCases */
+    public function test_single_api_preserves_company_and_payment_restrictions($company, $pending, $ujrahBlocked, $disabled)
+    {
+        config([
+            'api.url' => 'https://customer.example',
+            'api.url_koop' => 'https://customer.example/',
+            'api.company' => $company,
+        ]);
+        Auth::shouldReceive('user')->andReturn(['icno' => 'test-customer']);
+        $record = [
+            'norujukan' => 'TEST-001', 'kodcaw' => 'X03', 'tempoh' => 1,
+            'bakipjm' => 350, 'hargajualan' => 1, 'tagbaru' => $ujrahBlocked ? 1 : 0,
+            'lelong_tawarruq' => 1, 't_lelong' => '',
+        ];
+        Http::fake(function ($request) use ($record, $pending, $ujrahBlocked) {
+            $path = parse_url($request->url(), PHP_URL_PATH);
+            // A trailing slash in the alias must not affect the fake response.
+            $path = '/' . ltrim($path, '/');
+            if ($path === '/portal/customer/info') {
+                return Http::response(['gadai' => [$record], 'lelong' => []]);
+            }
+            if (strpos($path, '/api/upahtawarruq/') === 0) {
+                return Http::response($ujrahBlocked ? ['keuntungan' => 3, 'ujrah' => 0.5] : 3.5);
+            }
+            if ($path === '/api/cawangan') {
+                return Http::response([['kodcaw' => 'X03', 'details_caw' => 'Xtra']]);
+            }
+            if ($path === '/portal/searchsagonline/') {
+                return Http::response(json_encode($pending));
+            }
+            if ($path === '/api/payable-ujrah-branches') {
+                return Http::response($ujrahBlocked ? [['kodcaw' => 'X03', 'gadaian_ujrah_payable' => 0]] : []);
+            }
+            throw new \RuntimeException('Unexpected request: ' . $request->url());
+        });
+
+        $rows = (new PembiayaanService)->getPembiayaan(null);
+
+        $this->assertCount(1, $rows);
+        $row = array_values($rows)[0];
+        $this->assertSame($company, $row->tag_syarikat);
+        $this->assertSame($disabled, $row->disabled_payment);
+    }
+
+    public function paymentCases()
+    {
+        return [
+            'eligible KOOP' => [CompanyStatus::COM_KOOPPKB, false, false, false],
+            'pending payment' => [CompanyStatus::COM_KOOPPKB, true, false, true],
+            'blocked ujrah branch' => [CompanyStatus::COM_KOOPPKB, false, true, true],
+            'PKB branch restriction' => [CompanyStatus::COM_PKB, false, false, true],
+        ];
+    }
+}