diff --git a/CHANGELOG.md b/CHANGELOG.md
index 0bb3716..cfcf228 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -14,7 +14,7 @@ and this project follows [Semantic Versioning](https://semver.org/).
 ### Fixed
 
 - Cashup/reports: payments tagged with a digital wallet method (e.g. `apple_pay`, `google_pay` from online checkouts) are now bucketed as "card" for reconciliation instead of silently falling into "other".
-- User dashboard payment history: the method filter no longer offers a hardcoded, guessed set of values (which silently excluded real gateway-reported methods and matched them inconsistently). It now queries the distinct methods actually present in the user's payments (new `GET /api/payments/mypayments/methods` endpoint) and filters on an exact match, so every real method — including wallet types like Apple Pay/Google Pay — is filterable and displayed with a readable label instead of a raw string.
+- User dashboard payment history: `GET /api/payments/mypayments` and its new `/methods` endpoint now normalize `method` to cash/card/eft/voucher — any other gateway-reported value (apple_pay, google_pay, yoco, etc.) is reported and filterable as "card" — instead of exposing raw, inconsistent gateway strings the filter dropdown didn't know about.
 
 ## [1.0.1] - 2026-07-23
 
diff --git a/backend/API_DOCUMENTATION.md b/backend/API_DOCUMENTATION.md
index dffd171..0979db2 100644
--- a/backend/API_DOCUMENTATION.md
+++ b/backend/API_DOCUMENTATION.md
@@ -240,7 +240,7 @@ For unauthenticated (guest) registration on events with `requiresAuth: false`:
 | POST | `/api/payments` | supervisor+ | Record manual payment (cash/EFT) |
 | POST | `/api/payments/yoco-checkout` | user+ | Initiate Yoco checkout; re-evaluates early-bird pricing first — returns `{ priceUpdated: true, newTotal }` if prices changed |
 | GET | `/api/payments/mypayments` | user+ | Own payments |
-| GET | `/api/payments/mypayments/methods` | user+ | Distinct `method` values present in the user's own payments |
+| GET | `/api/payments/mypayments/methods` | user+ | Normalized method options (cash/card/eft/voucher) present in the user's own payments |
 | GET | `/api/payments/:id` | user+ | Payment by ID |
 | GET | `/api/payments/registration/:registrationId` | user+ | Payments for a registration |
 | GET | `/api/payments` | supervisor+ | All payments |
diff --git a/backend/README.md b/backend/README.md
index 218aa75..45dd133 100644
--- a/backend/README.md
+++ b/backend/README.md
@@ -260,7 +260,7 @@ Full interactive API docs available at `GET /docs` (requires admin JWT — pass
 | POST | `/` | supervisor+ | Record manual payment |
 | POST | `/yoco-checkout` | user+ | Initiate Yoco checkout |
 | GET | `/mypayments` | user+ | Own payments |
-| GET | `/mypayments/methods` | user+ | Distinct `method` values present in the user's own payments |
+| GET | `/mypayments/methods` | user+ | Normalized method options (cash/card/eft/voucher) present in the user's own payments |
 | GET | `/:id` | user+ | Payment by ID |
 | GET | `/registration/:registrationId` | user+ | Payments for a registration |
 | GET | `/` | supervisor+ | All payments |
diff --git a/backend/src/controllers/paymentController.js b/backend/src/controllers/paymentController.js
index d46a886..b7463a9 100644
--- a/backend/src/controllers/paymentController.js
+++ b/backend/src/controllers/paymentController.js
@@ -349,6 +349,17 @@ const getPayments = async (req, res) => {
   }
 };
 
+// Payment.method is free-text — online checkouts get tagged with whatever wallet type the
+// gateway reports (apple_pay, google_pay, yoco, ...), not just the manual-entry methods below.
+// For the user-facing dashboard we don't want to expose every raw gateway string, so anything
+// that isn't one of the methods staff can manually choose is just shown/filtered as "card".
+const USER_FACING_METHODS = ['cash', 'card', 'eft', 'voucher'];
+
+function normalizeUserMethod(method) {
+  const m = String(method || '').toLowerCase();
+  return USER_FACING_METHODS.includes(m) ? m : 'card';
+}
+
 // @desc    Get user payments (paginated, excludes donations, supports date range/method/kind filters)
 // @route   GET /api/payments/mypayments
 // @access  Private
@@ -369,7 +380,17 @@ const getUserPayments = async (req, res) => {
     };
 
     if (req.query.method) {
-      where.method = { equals: String(req.query.method), mode: 'insensitive' };
+      const requested = normalizeUserMethod(req.query.method);
+      if (requested === 'card') {
+        // "Card" also covers every gateway-reported method that isn't one of the other
+        // explicit buckets (apple_pay, google_pay, yoco, etc.) — match anything NOT in those.
+        where.NOT = {
+          OR: USER_FACING_METHODS.filter(m => m !== 'card')
+            .map(m => ({ method: { equals: m, mode: 'insensitive' } }))
+        };
+      } else {
+        where.method = { equals: requested, mode: 'insensitive' };
+      }
     }
 
     if (req.query.kind === 'refund') {
@@ -399,15 +420,18 @@ const getUserPayments = async (req, res) => {
       prisma.payment.count({ where })
     ]);
 
-    res.json({ data: payments, total, page, limit, pages: Math.ceil(total / limit) });
+    // Normalize the displayed method so the dashboard never shows a raw gateway string.
+    const normalizedPayments = payments.map(p => ({ ...p, method: normalizeUserMethod(p.method) }));
+
+    res.json({ data: normalizedPayments, total, page, limit, pages: Math.ceil(total / limit) });
   } catch (error) {
     res.status(res.statusCode === 200 ? 400 : res.statusCode).json({ message: safeErrorMessage(error) });
   }
 };
 
-// @desc    Get the distinct payment methods actually present in the user's own payments,
-//          so the dashboard filter never has to guess at gateway-reported values
-//          (e.g. apple_pay, google_pay) — it only ever offers what's really there.
+// @desc    Get the payment method options actually present in the user's own payments (normalized
+//          to the user-facing set — see normalizeUserMethod), so the dashboard filter only ever
+//          offers methods that exist for this user.
 // @route   GET /api/payments/mypayments/methods
 // @access  Private
 const getUserPaymentMethods = async (req, res) => {
@@ -422,11 +446,13 @@ const getUserPaymentMethods = async (req, res) => {
         ]
       },
       distinct: ['method'],
-      select: { method: true },
-      orderBy: { method: 'asc' }
+      select: { method: true }
     });
 
-    res.json({ methods: rows.map(r => r.method).filter(Boolean) });
+    const present = new Set(rows.map(r => normalizeUserMethod(r.method)));
+    const methods = USER_FACING_METHODS.filter(m => present.has(m));
+
+    res.json({ methods });
   } catch (error) {
     res.status(res.statusCode === 200 ? 400 : res.statusCode).json({ message: safeErrorMessage(error) });
   }
diff --git a/backend/src/index.js b/backend/src/index.js
index 097ef02..0605096 100644
--- a/backend/src/index.js
+++ b/backend/src/index.js
@@ -543,11 +543,11 @@ app.get('/docs', async (req, res) => {
         responses:[
           { status:201, desc:'Recorded', body:{ id:'pay-uuid-...', amount:450, method:'cash', status:'succeeded', createdAt:'2025-06-10T09:00:00.000Z' }},
         ]},
-      { method:'GET', path:'/api/payments/mypayments', auth:'user+', desc:'Get own payment history (paginated, excludes donations)',
-        queryParams:{ page:'Page (default 1)', limit:'Per page (default 25, max 25)', startDate:'ISO date, filters createdAt >=', endDate:'ISO date, filters createdAt <=', method:'Filter by exact method value (see /mypayments/methods for the actual set)', kind:'payment|refund — filters by amount sign' },
+      { method:'GET', path:'/api/payments/mypayments', auth:'user+', desc:'Get own payment history (paginated, excludes donations). Returned method is normalized to cash|card|eft|voucher — any gateway-reported wallet type (apple_pay, google_pay, yoco, ...) is reported as "card"',
+        queryParams:{ page:'Page (default 1)', limit:'Per page (default 25, max 25)', startDate:'ISO date, filters createdAt >=', endDate:'ISO date, filters createdAt <=', method:'Filter by normalized method: cash|card|eft|voucher', kind:'payment|refund — filters by amount sign' },
         responses:[{ status:200, desc:'Success', body:{ data:[{ id:'pay-uuid-...', amount:450, method:'card', status:'succeeded', createdAt:'2025-06-01T11:00:00.000Z' }], total:1, page:1, limit:25, pages:1 }}]},
-      { method:'GET', path:'/api/payments/mypayments/methods', auth:'user+', desc:"Distinct Payment.method values present in the user's own payments (method is free-text — gateways can report values like apple_pay/google_pay beyond the manual-entry set)",
-        responses:[{ status:200, desc:'Success', body:{ methods:['card', 'cash', 'apple_pay'] }}]},
+      { method:'GET', path:'/api/payments/mypayments/methods', auth:'user+', desc:"Normalized method options (subset of cash|card|eft|voucher) actually present in the user's own payments",
+        responses:[{ status:200, desc:'Success', body:{ methods:['card', 'cash'] }}]},
       { method:'GET', path:'/api/payments', auth:'supervisor+', desc:'List all payments',
         queryParams:{ page:'Page (default 1)', limit:'Per page (default 20)', eventId:'Filter by event', userId:'Filter by user', method:'Filter by method (cash|card|eft|donation)', startDate:'ISO date', endDate:'ISO date' },
         responses:[{ status:200, desc:'Success', body:{ data:[{ id:'pay-uuid-...', amount:450, method:'card', user:{ name:'Jane Doe' }, registration:{ event:{ title:'Camp 2025' }}}], total:1 }}]},
diff --git a/frontend/src/app/dashboard/user/payments/page.tsx b/frontend/src/app/dashboard/user/payments/page.tsx
index 72502a2..ed853bf 100644
--- a/frontend/src/app/dashboard/user/payments/page.tsx
+++ b/frontend/src/app/dashboard/user/payments/page.tsx
@@ -18,24 +18,18 @@ interface PaymentItem {
 
 const formatRand = (n: number) => `R ${Math.abs(n).toFixed(2)}`;
 
-// Payment.method is free-text — online payments arrive tagged with whatever wallet type the
-// gateway reports (e.g. apple_pay, google_pay), not just the manual-entry methods below.
+// The API normalizes Payment.method to this set before it ever reaches the dashboard — any
+// gateway-reported wallet type (apple_pay, google_pay, yoco, ...) is folded into "card".
 const METHOD_LABELS: Record<string, string> = {
   cash: "Cash",
   card: "Card",
   eft: "EFT",
   voucher: "Voucher",
-  apple_pay: "Apple Pay",
-  google_pay: "Google Pay",
 };
 
 const formatMethod = (method: string | null | undefined) => {
   if (!method) return "Payment";
-  if (METHOD_LABELS[method]) return METHOD_LABELS[method];
-  return method
-    .replace(/[_-]+/g, " ")
-    .replace(/([a-z])([A-Z])/g, "$1 $2")
-    .replace(/\b\w/g, c => c.toUpperCase());
+  return METHOD_LABELS[method] || method;
 };
 
 export default function UserPaymentsPage() {