diff --git a/programs/bets/src/instructions/deduct_fees_token.rs b/programs/bets/src/instructions/deduct_fees_token.rs
index a1876db..2e6f9ab 100644
--- a/programs/bets/src/instructions/deduct_fees_token.rs
+++ b/programs/bets/src/instructions/deduct_fees_token.rs
@@ -120,7 +120,8 @@ pub struct DeductFeesToken<'info> {
     pub token_mint: InterfaceAccount<'info, anchor_spl::token_interface::Mint>,
 
     #[account(
-        mut,
+        init_if_needed,
+        payer = payer,
         associated_token::mint = token_mint,
         associated_token::authority = bet_vault,
         associated_token::token_program = token_program
@@ -128,7 +129,8 @@ 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 +138,8 @@ 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