diff --git a/apps/web/lib/developer-transcript-billing.ts b/apps/web/lib/developer-transcript-billing.ts
index 86e223a957..0e803c5f92 100644
--- a/apps/web/lib/developer-transcript-billing.ts
+++ b/apps/web/lib/developer-transcript-billing.ts
@@ -14,13 +14,18 @@ import {
 	TRANSCRIPT_MIN_START_BALANCE_MICRO_CREDITS,
 	type TranscriptErrorCode,
 } from "@/lib/developer-transcripts";
-import { scheduleAutoTopUp } from "@/lib/infra-auto-top-up";
+import type { AutoTopUpTarget } from "@/lib/infra-auto-top-up";
 import {
 	availableBalance,
 	heldTranscriptMicroCredits,
 } from "@/lib/infra-balance";
 import { accountStanding, readStandingAccount } from "@/lib/infra-standing";
 
+// Loaded on first use: the auto top-up module pulls in Stripe and the email
+// templates, and this file ships in the step bundle every workflow loads.
+const scheduleAutoTopUp = async (target: AutoTopUpTarget) =>
+	(await import("@/lib/infra-auto-top-up")).scheduleAutoTopUp(target);
+
 export const INSUFFICIENT_CREDITS_MESSAGE =
 	"The credit balance could not cover this transcript. Nothing was charged.";