diff --git a/programs/bets/src/instructions/deduct_fees_token.rs b/programs/bets/src/instructions/deduct_fees_token.rs
index a1876db..beb58e5 100644
--- a/programs/bets/src/instructions/deduct_fees_token.rs
+++ b/programs/bets/src/instructions/deduct_fees_token.rs
@@ -128,7 +128,8 @@ pub struct DeductFeesToken<'info> {
     pub token_vault: InterfaceAccount<'info, TokenAccount>,
 
     #[account(
-        mut,
+        init_if_needed,
+        payer = payer,
         associated_token::mint = token_mint,
         associated_token::authority = fee_wallet,
         associated_token::token_program = token_program
@@ -136,7 +137,8 @@ pub struct DeductFeesToken<'info> {
     pub fee_wallet_token_account: InterfaceAccount<'info, TokenAccount>,
 
     #[account(
-        mut,
+        init_if_needed,
+        payer = payer,
         associated_token::mint = token_mint,
         associated_token::authority = owner_referrer,
         associated_token::token_program = token_program
@@ -144,7 +146,8 @@ pub struct DeductFeesToken<'info> {
     pub owner_referrer_token_account: InterfaceAccount<'info, TokenAccount>,
 
     #[account(
-        mut,
+        init_if_needed,
+        payer = payer,
         associated_token::mint = token_mint,
         associated_token::authority = joiner_referrer,
         associated_token::token_program = token_program