diff --git a/contracts/cosmwasm-vm/cw-xcall/src/fees.rs b/contracts/cosmwasm-vm/cw-xcall/src/fees.rs
index 558b8e3f..29dadd55 100644
--- a/contracts/cosmwasm-vm/cw-xcall/src/fees.rs
+++ b/contracts/cosmwasm-vm/cw-xcall/src/fees.rs
@@ -1,3 +1,4 @@
+use cosmwasm_std::Coin;
 use cw_xcall_lib::network_address::NetId;
 
 use super::*;
@@ -58,4 +59,15 @@ impl<'a> CwCallService<'a> {
 
         Ok(protocol_fee + conn_total)
     }
+
+    pub fn get_total_paid(&self, deps: Deps, coins: &Vec<Coin>) -> Result<u128, ContractError> {
+        let config = self.get_config(deps.storage)?;
+        let mut total = 0_u128;
+        for c in coins.iter() {
+            if c.denom == config.denom {
+                total += c.amount.u128();
+            }
+        }
+        Ok(total)
+    }
 }
diff --git a/contracts/cosmwasm-vm/cw-xcall/src/send_call_message.rs b/contracts/cosmwasm-vm/cw-xcall/src/send_call_message.rs
index f092af35..9f888003 100644
--- a/contracts/cosmwasm-vm/cw-xcall/src/send_call_message.rs
+++ b/contracts/cosmwasm-vm/cw-xcall/src/send_call_message.rs
@@ -60,6 +60,7 @@ impl<'a> CwCallService<'a> {
 
         let message: CSMessage = call_request.into();
         let sn: i64 = if need_response { sequence_no as i64 } else { 0 };
+        let mut total_spent = 0_u128;
 
         let submessages = confirmed_sources
             .iter()
@@ -68,6 +69,7 @@ impl<'a> CwCallService<'a> {
                     .query_connection_fee(deps.as_ref(), to.nid(), need_response, r)
                     .and_then(|fee| {
                         let fund = if fee > 0 {
+                            total_spent = total_spent.checked_add(fee).unwrap();
                             coins(fee, config.denom.clone())
                         } else {
                             vec![]
@@ -78,8 +80,16 @@ impl<'a> CwCallService<'a> {
                     });
             })
             .collect::<Result<Vec<SubMsg>, ContractError>>()?;
-        let protocol_fee = self.get_protocol_fee(deps.storage);
+
+        let total_paid = self.get_total_paid(deps.as_ref(), &info.funds)?;
         let fee_handler = self.fee_handler().load(deps.storage)?;
+        let protocol_fee = self.get_protocol_fee(deps.as_ref().storage);
+        let total_fee_required = protocol_fee + total_spent;
+
+        if total_paid < total_fee_required {
+            return Err(ContractError::InsufficientFunds);
+        }
+        let remaining = total_paid - total_spent;
 
         let event = event_xcall_message_sent(caller.to_string(), to.to_string(), sequence_no);
         println!("{LOG_PREFIX} Sent Bank Message");
@@ -89,13 +99,14 @@ impl<'a> CwCallService<'a> {
             .add_attribute("method", "send_packet")
             .add_attribute("sequence_no", sequence_no.to_string())
             .add_event(event);
-        if protocol_fee > 0 {
+        if remaining > 0 {
             let msg = BankMsg::Send {
                 to_address: fee_handler,
-                amount: coins(protocol_fee, config.denom),
+                amount: coins(remaining, config.denom),
             };
             res = res.add_message(msg);
         }
+
         Ok(res)
     }
 }
diff --git a/contracts/cosmwasm-vm/cw-xcall/tests/test_call_message.rs b/contracts/cosmwasm-vm/cw-xcall/tests/test_call_message.rs
index ea39ee8d..068e3c24 100644
--- a/contracts/cosmwasm-vm/cw-xcall/tests/test_call_message.rs
+++ b/contracts/cosmwasm-vm/cw-xcall/tests/test_call_message.rs
@@ -19,7 +19,7 @@ const MOCK_CONTRACT_TO_ADDR: &str = "cosmoscontract";
 fn send_packet_by_non_contract_and_rollback_data_is_not_null() {
     let mut mock_deps = deps();
 
-    let mock_info = create_mock_info(&alice().to_string(), "umlg", 2000);
+    let mock_info = create_mock_info(&alice().to_string(), "arch", 2000);
 
     let contract = CwCallService::default();
 
@@ -144,6 +144,10 @@ fn send_packet_failure_due_rollback_len() {
                     })
                 }
             }
+            WasmQuery::Smart {
+                contract_addr: _,
+                msg: _,
+            } => SystemResult::Ok(ContractResult::Ok(to_binary(&0_u128).unwrap())),
             _ => todo!(),
         }
     });
@@ -182,7 +186,82 @@ fn send_packet_failure_due_rollback_len() {
 fn send_packet_success_needresponse() {
     let mut mock_deps = deps();
 
-    let mock_info = create_mock_info(MOCK_CONTRACT_ADDR, "umlg", 2000);
+    let mock_info = create_mock_info(MOCK_CONTRACT_ADDR, "arch", 2000);
+
+    let _env = mock_env();
+
+    let contract = CwCallService::default();
+    contract
+        .instantiate(
+            mock_deps.as_mut(),
+            _env,
+            mock_info.clone(),
+            cw_xcall::msg::InstantiateMsg {
+                network_id: "nid".to_string(),
+                denom: "arch".to_string(),
+            },
+        )
+        .unwrap();
+
+    contract.sn().save(mock_deps.as_mut().storage, &0).unwrap();
+
+    mock_deps.querier.update_wasm(|r| {
+        let constract1 = Addr::unchecked(MOCK_CONTRACT_ADDR);
+        let mut storage1 = HashMap::<Binary, Binary>::default();
+        storage1.insert(b"the key".into(), b"the value".into());
+        match r {
+            WasmQuery::ContractInfo { contract_addr } => {
+                if *contract_addr == constract1 {
+                    let response = ContractInfoResponse::default();
+                    SystemResult::Ok(ContractResult::Ok(to_binary(&response).unwrap()))
+                } else {
+                    SystemResult::Err(SystemError::NoSuchContract {
+                        addr: contract_addr.clone(),
+                    })
+                }
+            }
+            WasmQuery::Smart {
+                contract_addr: _,
+                msg: _,
+            } => SystemResult::Ok(ContractResult::Ok(to_binary(&10_u128).unwrap())),
+            _ => todo!(),
+        }
+    });
+
+    contract
+        .store_default_connection(
+            mock_deps.as_mut().storage,
+            NetId::from("btp".to_owned()),
+            Addr::unchecked("hostaddress"),
+        )
+        .unwrap();
+
+    contract
+        .send_call_message(
+            mock_deps.as_mut(),
+            mock_info,
+            mock_env(),
+            NetworkAddress::new("btp", MOCK_CONTRACT_TO_ADDR),
+            vec![1, 2, 3],
+            Some(vec![1, 2, 3]),
+            vec![],
+            vec![],
+        )
+        .unwrap();
+
+    let result = contract
+        .get_call_request(mock_deps.as_ref().storage, 1)
+        .unwrap();
+
+    assert!(!result.enabled())
+}
+
+#[test]
+#[should_panic(expected = "InsufficientFunds")]
+fn send_packet_fail_insufficient_funds() {
+    let mut mock_deps = deps();
+
+    let mock_info = create_mock_info(MOCK_CONTRACT_ADDR, "arch", 0);
 
     let _env = mock_env();