diff --git a/src/mpp/client/transport.py b/src/mpp/client/transport.py
index 3fa83db..ecb812e 100644
--- a/src/mpp/client/transport.py
+++ b/src/mpp/client/transport.py
@@ -117,6 +117,13 @@ def on_payment_failed(self, handler: EventHandler) -> Unsubscribe:
 
     async def handle_async_request(self, request: httpx.Request) -> httpx.Response:
         """Handle request, automatically retrying on 402 with credentials."""
+        # Buffer the request body up front. Request bodies (e.g. a POST payload)
+        # are streamed and one-shot: the inner transport consumes the stream when
+        # it sends the initial request, so a paid retry that reused the original
+        # stream would transmit an empty/garbled body. Reading here replaces the
+        # stream with a replayable ByteStream, so the retry carries the real body.
+        await request.aread()
+
         response = await self._inner.handle_async_request(request)
 
         if response.status_code != 402:
@@ -240,7 +247,7 @@ async def handle_async_request(self, request: httpx.Request) -> httpx.Response:
             method=request.method,
             url=request.url,
             headers=headers,
-            stream=request.stream,
+            content=request.content,
             extensions=request.extensions,
         )
 
diff --git a/tests/test_client.py b/tests/test_client.py
index 2164399..0657cc5 100644
--- a/tests/test_client.py
+++ b/tests/test_client.py
@@ -89,6 +89,38 @@ async def test_handles_402_with_matching_method(self) -> None:
 
         method.create_credential.assert_called_once()
 
+    @pytest.mark.asyncio
+    async def test_paid_retry_replays_request_body(self) -> None:
+        """The paid retry must carry the original request body.
+
+        Regression: the retry previously reused the already-consumed request
+        stream, so a POST body was dropped on the (paying) retry.
+        """
+        challenge = Challenge(
+            id="test-id",
+            method="tempo",
+            intent="charge",
+            request={"amount": "1000"},
+        )
+        www_auth = challenge.to_www_authenticate("example.com")
+
+        inner = MockTransport(
+            [
+                httpx.Response(402, headers={"www-authenticate": www_auth}),
+                httpx.Response(200, content=b'{"data": "ok"}'),
+            ]
+        )
+        transport = PaymentTransport(methods=[MockMethod()], inner=inner)
+
+        body = b'{"prompt": "expensive question"}'
+        request = httpx.Request("POST", "https://example.com", content=body)
+        await transport.handle_async_request(request)
+
+        assert len(inner.requests) == 2
+        retry_request = inner.requests[1]
+        assert retry_request.content == body
+        assert retry_request.headers["content-length"] == str(len(body))
+
     @pytest.mark.asyncio
     async def test_emits_client_payment_events(self) -> None:
         """Should emit mppx-compatible client payment lifecycle events."""