diff --git a/src/agents/pi-embedded-helpers.isbillingerrormessage.test.ts b/src/agents/pi-embedded-helpers.isbillingerrormessage.test.ts
index fc1ec760752..b2347e8d98d 100644
--- a/src/agents/pi-embedded-helpers.isbillingerrormessage.test.ts
+++ b/src/agents/pi-embedded-helpers.isbillingerrormessage.test.ts
@@ -1014,6 +1014,12 @@ describe("classifyFailoverReason", () => {
         "402 You've used up your points! Visit https://poe.com/api/keys to get more.",
       ),
     ).toBe("billing");
+    // Third-party proxy 402 with non-standard wording (#45774)
+    expect(
+      classifyFailoverReason(
+        "402 No available asset for API access, please purchase a subscription",
+      ),
+    ).toBe("billing");
     expect(classifyFailoverReason(INSUFFICIENT_QUOTA_PAYLOAD)).toBe("billing");
     expect(classifyFailoverReason("deadline exceeded")).toBe("timeout");
     expect(classifyFailoverReason("request ended without sending any chunks")).toBe("timeout");
diff --git a/src/agents/pi-embedded-helpers/failover-matches.ts b/src/agents/pi-embedded-helpers/failover-matches.ts
index 14d7ede0b1c..efa5ff62166 100644
--- a/src/agents/pi-embedded-helpers/failover-matches.ts
+++ b/src/agents/pi-embedded-helpers/failover-matches.ts
@@ -217,6 +217,8 @@ export function isBillingErrorMessage(raw: string): boolean {
     value.includes("upgrade") ||
     value.includes("credits") ||
     value.includes("payment") ||
+    value.includes("purchase") ||
+    value.includes("subscription") ||
     value.includes("plan")
   );
 }