diff --git a/auth-api/poetry.lock b/auth-api/poetry.lock
index b97ecf8ec..6dbd7cbde 100644
--- a/auth-api/poetry.lock
+++ b/auth-api/poetry.lock
@@ -3290,14 +3290,14 @@ zstd = ["backports-zstd (>=1.0.0) ; python_version < \"3.14\""]
 
 [[package]]
 name = "werkzeug"
-version = "3.1.5"
+version = "3.1.6"
 description = "The comprehensive WSGI web application library."
 optional = false
 python-versions = ">=3.9"
 groups = ["main"]
 files = [
-    {file = "werkzeug-3.1.5-py3-none-any.whl", hash = "sha256:5111e36e91086ece91f93268bb39b4a35c1e6f1feac762c9c822ded0a4e322dc"},
-    {file = "werkzeug-3.1.5.tar.gz", hash = "sha256:6a548b0e88955dd07ccb25539d7d0cc97417ee9e179677d22c7041c8f078ce67"},
+    {file = "werkzeug-3.1.6-py3-none-any.whl", hash = "sha256:7ddf3357bb9564e407607f988f683d72038551200c704012bb9a4c523d42f131"},
+    {file = "werkzeug-3.1.6.tar.gz", hash = "sha256:210c6bede5a420a913956b4791a7f4d6843a43b6fcee4dfa08a65e93007d0d25"},
 ]
 
 [package.dependencies]
diff --git a/auth-api/src/auth_api/services/products.py b/auth-api/src/auth_api/services/products.py
index 25b2e3149..dd1a82a68 100644
--- a/auth-api/src/auth_api/services/products.py
+++ b/auth-api/src/auth_api/services/products.py
@@ -56,6 +56,7 @@
     get_product_notification_data,
     get_product_notification_type,
 )
+from auth_api.utils.pay import get_account_fees
 from auth_api.utils.roles import CLIENT_ADMIN_ROLES, CLIENT_AUTH_ROLES, GOV_ORG_TYPES, STAFF
 from auth_api.utils.user_context import UserContext, user_context
 
@@ -159,13 +160,14 @@ def resubmit_product_subscription(org_id, subscription_data: dict[str, Any], ski
     @staticmethod
     def _check_gov_org_add_product_previously_approved(
         org_id: int,
-        product_code: str
+        product_code: str,
+        account_fees: list[str]
     ) -> tuple[bool, Any]:
         """Check if GOV org's account fee product was previously approved (NEW_PRODUCT_FEE_REVIEW task)."""
         inactive_sub = ProductSubscriptionModel.find_by_org_id_product_code(
             org_id=org_id, product_code=product_code, valid_statuses=(ProductSubscriptionStatus.INACTIVE.value,)
         )
-        if not inactive_sub:
+        if not inactive_sub or product_code not in account_fees:
             return False, None
         task_add_product = TaskModel.find_by_task_relationship_id(
             inactive_sub.id, TaskRelationshipType.PRODUCT.value, TaskStatus.COMPLETED.value
@@ -233,6 +235,7 @@ def create_product_subscription(
             check_auth(one_of_roles=(*CLIENT_ADMIN_ROLES, STAFF), org_id=org_id)
 
         subscriptions_list = subscription_data.get("subscriptions")
+        account_fees = get_account_fees(org)
         for subscription in subscriptions_list:
             auto_approve_current = auto_approve
             product_code = subscription.get("productCode")
@@ -246,7 +249,7 @@ def create_product_subscription(
 
                 if org.access_type in GOV_ORG_TYPES and not staff_review_for_create_org:
                     previously_approved, inactive_sub = Product._check_gov_org_add_product_previously_approved(
-                        org.id, product_code
+                        org.id, product_code, account_fees
                     )
                 else:
                     previously_approved, inactive_sub = Product._is_previously_approved(org_id, product_code)
diff --git a/auth-api/src/auth_api/utils/pay.py b/auth-api/src/auth_api/utils/pay.py
new file mode 100644
index 000000000..4673ed748
--- /dev/null
+++ b/auth-api/src/auth_api/utils/pay.py
@@ -0,0 +1,50 @@
+# Copyright © 2026 Province of British Columbia
+#
+# Licensed under the Apache License, Version 2.0 (the "License");
+# you may not use this file except in compliance with the License.
+# You may obtain a copy of the License at
+#
+#     http://www.apache.org/licenses/LICENSE-2.0
+#
+# Unless required by applicable law or agreed to in writing, software
+# distributed under the License is distributed on an "AS IS" BASIS,
+# WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+# See the License for the specific language governing permissions and
+# limitations under the License.
+"""Pay API utility functions."""
+
+from flask import current_app
+
+from auth_api.exceptions.errors import Error
+from auth_api.models import Org as OrgModel
+from auth_api.services.rest_service import RestService
+from auth_api.utils.roles import GOV_ORG_TYPES
+
+
+def get_account_fees(org: OrgModel) -> list[str]:
+    """Fetch all account fees from pay-api and return a dict mapping product codes to fee existence."""
+    if org.access_type not in GOV_ORG_TYPES:
+        return []
+    pay_url = current_app.config.get("PAY_API_URL")
+    account_fees = []
+
+    try:
+        token = RestService.get_service_account_token()
+        response = RestService.get(endpoint=f"{pay_url}/accounts/{org.id}/fees", token=token, retry_on_failure=True)
+
+        if response and response.status_code == 200:
+            response_data = response.json()
+            account_fees_obj = response_data.get("accountFees", [])
+
+            for fee in account_fees_obj:
+                product_code = fee.get("product")
+                if product_code:
+                    account_fees.append(product_code)
+            return account_fees
+    except Exception as e:  # NOQA # pylint: disable=broad-except
+        # Log the error but don't fail the subscription creation
+        # Return empty dict so subscription can proceed without fee-based review logic
+        current_app.logger.info(f"{Error.ACCOUNT_FEES_FETCH_FAILED} for org {org.id}: {e}")
+        return []
+
+    return account_fees
diff --git a/auth-api/tests/conftest.py b/auth-api/tests/conftest.py
index a050cadb1..77cc19b55 100644
--- a/auth-api/tests/conftest.py
+++ b/auth-api/tests/conftest.py
@@ -177,6 +177,7 @@ def auth_mock(monkeypatch):
     monkeypatch.setattr("auth_api.services.affiliation_invitation.check_auth", lambda *args, **kwargs: None)  # noqa: ARG005
 
 
+
 @pytest.fixture()
 def notify_mock(monkeypatch):
     """Mock send_email."""
diff --git a/auth-api/tests/unit/api/test_org.py b/auth-api/tests/unit/api/test_org.py
index a37676b46..763695d04 100644
--- a/auth-api/tests/unit/api/test_org.py
+++ b/auth-api/tests/unit/api/test_org.py
@@ -79,6 +79,7 @@
     factory_user_model,
     patch_pay_account_delete,
     patch_pay_account_delete_error,
+    patch_pay_account_fees,
     patch_pay_account_post,
 )
 
@@ -569,6 +570,7 @@ def test_create_govn_org_with_products_single_staff_review_task(client, jwt, ses
     after approval.
     """
     patch_pay_account_post(monkeypatch)
+    patch_pay_account_fees(monkeypatch, [ProductCode.BUSINESS_SEARCH.value, ProductCode.PPR.value])
 
     headers = factory_auth_header(jwt=jwt, claims=TestJwtClaims.public_user_role)
     client.post("/api/v1/users", headers=headers, content_type="application/json")
diff --git a/auth-api/tests/unit/services/test_pay.py b/auth-api/tests/unit/services/test_pay.py
new file mode 100644
index 000000000..7f3c5ec86
--- /dev/null
+++ b/auth-api/tests/unit/services/test_pay.py
@@ -0,0 +1,52 @@
+"""Tests for the pay utility functions."""
+
+# Copyright © 2026 Province of British Columbia
+#
+# Licensed under the Apache License, Version 2.0 (the "License");
+# you may not use this file except in compliance with the License.
+# You may obtain a copy of the License at
+#
+#     http://www.apache.org/licenses/LICENSE-2.0
+#
+# Unless required by applicable law or agreed to in writing, software
+# distributed under the License is distributed on an "AS IS" BASIS,
+# WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+# See the License for the specific language governing permissions and
+# limitations under the License.
+
+from unittest.mock import Mock
+
+from flask import current_app
+
+from auth_api.utils.enums import AccessType, ProductCode
+from auth_api.utils.pay import get_account_fees
+from tests.conftest import mock_token
+from tests.utilities.factory_utils import factory_org_model
+
+
+def test_get_account_fees_govm_org_success(monkeypatch, session):  # pylint:disable=unused-argument
+    """Test that GOVM org with successful response returns list of product codes."""
+    org = factory_org_model(org_info={"name": "Org 1", "accessType": AccessType.GOVM.value})
+
+    mock_response = Mock()
+    mock_response.status_code = 200
+    mock_response.json.return_value = {
+        "accountFees": [
+            {"product": ProductCode.BUSINESS.value},
+            {"product": ProductCode.VS.value},
+            {"product": ProductCode.BCA.value},
+        ]
+    }
+
+    current_app.config["PAY_API_URL"] = "http://pay-api.test"
+
+    monkeypatch.setattr("auth_api.utils.pay.RestService.get_service_account_token", mock_token)
+    monkeypatch.setattr("auth_api.utils.pay.RestService.get", lambda *args, **kwargs: mock_response)  # noqa: ARG005
+
+    result = get_account_fees(org)
+
+    assert result == [
+        ProductCode.BUSINESS.value,
+        ProductCode.VS.value,
+        ProductCode.BCA.value,
+    ]
diff --git a/auth-api/tests/utilities/factory_utils.py b/auth-api/tests/utilities/factory_utils.py
index cff10bee0..92424cd59 100644
--- a/auth-api/tests/utilities/factory_utils.py
+++ b/auth-api/tests/utilities/factory_utils.py
@@ -534,3 +534,20 @@ def keycloak_delete_user_by_username(username):
     delete_user_url = f"{base_url}/auth/admin/realms/{realm}/users/{user.id}"
     response = requests.delete(delete_user_url, headers=headers, timeout=timeout)
     response.raise_for_status()
+
+
+def patch_pay_account_fees(monkeypatch, product_codes: list[str]):
+    """Patch GET /accounts/{id}/fees to return given product codes."""
+    class MockFeeResponse:
+        status_code = 200
+        def json(self):
+            return {"accountFees": [{"product": c} for c in product_codes]}
+
+    monkeypatch.setattr(
+        "auth_api.utils.pay.RestService.get",
+        lambda *_args, **_kwargs: MockFeeResponse(),
+    )
+    monkeypatch.setattr(
+        "auth_api.utils.pay.RestService.get_service_account_token",
+        lambda *_args, **_kwargs: "mock-token",
+    )
diff --git a/queue_services/account-mailer/poetry.lock b/queue_services/account-mailer/poetry.lock
index f16578da9..42bb40a3f 100644
--- a/queue_services/account-mailer/poetry.lock
+++ b/queue_services/account-mailer/poetry.lock
@@ -1,4 +1,4 @@
-# This file is automatically @generated by Poetry 2.1.3 and should not be changed by hand.
+# This file is automatically @generated by Poetry 2.2.1 and should not be changed by hand.
 
 [[package]]
 name = "aiofiles"
@@ -3241,14 +3241,14 @@ zstd = ["backports-zstd (>=1.0.0) ; python_version < \"3.14\""]
 
 [[package]]
 name = "werkzeug"
-version = "3.1.5"
+version = "3.1.6"
 description = "The comprehensive WSGI web application library."
 optional = false
 python-versions = ">=3.9"
 groups = ["main"]
 files = [
-    {file = "werkzeug-3.1.5-py3-none-any.whl", hash = "sha256:5111e36e91086ece91f93268bb39b4a35c1e6f1feac762c9c822ded0a4e322dc"},
-    {file = "werkzeug-3.1.5.tar.gz", hash = "sha256:6a548b0e88955dd07ccb25539d7d0cc97417ee9e179677d22c7041c8f078ce67"},
+    {file = "werkzeug-3.1.6-py3-none-any.whl", hash = "sha256:7ddf3357bb9564e407607f988f683d72038551200c704012bb9a4c523d42f131"},
+    {file = "werkzeug-3.1.6.tar.gz", hash = "sha256:210c6bede5a420a913956b4791a7f4d6843a43b6fcee4dfa08a65e93007d0d25"},
 ]
 
 [package.dependencies]