diff --git a/migration/transform_transactions.py b/migration/transform_transactions.py
index b810412..12f2e67 100644
--- a/migration/transform_transactions.py
+++ b/migration/transform_transactions.py
@@ -166,12 +166,24 @@ def main():
             s(r["conepto"]),
         )
 
-    def efectivo_like(src, name, domain, custmap, src_db, legacy_tbl, *, seen=None):
+    def efectivo_like(src, name, domain, custmap, src_db, legacy_tbl, *, seen=None,
+                      type_label=None):
         """Load an EFECTIVO-shaped cash ledger.
 
         `seen` (a set) makes the load de-duplicating: keys are added to it as
         rows load, and a row whose key is already present is skipped. That is
         how EFECTIVO_BACKUP contributes only its genuinely-new rows.
+
+        `type_label` names the transaction type for every row. These tables have
+        no type column at all — in Access the type is implied by which table the
+        row lives in — so unlike DATOS2 there is no string to map and typeId came
+        out NULL for all of them.
+
+        That is not merely a blank label. handleGetAccountDetails in
+        my.jorgecuadros.com identifies payments by matching TYPEOFTRX against
+        ('PAYMENT THANK YOU', 'PAYPAL', 'CASH DEPOSIT', 'CHECK DEPOSIT') to reset
+        the running balance in mode=current; an unlabelled payment is not
+        recognised and the balance silently diverges from legacy.
         """
         nonlocal skip_cust, skip_date, skip_dupe
         df = load(src, name)
@@ -189,9 +201,20 @@ def main():
                 skip_date += 1; continue
             add(cid, domain, td, dec(r["monto"], Decimal(0)), cur(r["monedas"]),
                 reference=s(r["folio"]), message=s(r["conepto"]),
+                typeid=type_id_for(type_label),
                 src_db=src_db, src_tbl=legacy_tbl, legacy=str(int(r["_row_num"])))
 
     def fm3(name, legacy_tbl, check_col=None):
+        """FM3 fee streams. Deliberately left unlabelled, unlike EFECTIVO.
+
+        These rows (EFECTIVO FM3 627, CHEQUE FM3 157) also have no type column,
+        but every one of them predates the two periods the site exposes — it
+        allowlists only the current year and the prior year — so none can be
+        matched against a legacy label, and none can reach a customer. Inventing
+        a plausible name like "CHECK DEPOSIT" would feed the payment-detection
+        list in handleGetAccountDetails on nothing but a guess. Leave them NULL
+        until a real mapping is available.
+        """
         nonlocal skip_cust, skip_date
         df = load("stg_utilities", name)
         for _, r in df.iterrows():
@@ -237,17 +260,25 @@ def main():
     # order matters: EFECTIVO is the live table and loads first, so a collision
     # always resolves in its favour.
     cash_seen: set = set()
+    # "CASH DEPOSIT" is not a guess: matching these rows to the live site on
+    # (NUMid, date, amount) resolves to that label unanimously — 66/66 in the
+    # current-year `datosfreak` and 100/100 in the prior-year `2025` table,
+    # which are the only two periods the site exposes.
     efectivo_like("stg_utilities", "efectivo", "UTILITY", util_cust, "UTILITIES",
-                  "EFECTIVO", seen=cash_seen)
+                  "EFECTIVO", seen=cash_seen, type_label="CASH DEPOSIT")
     efectivo_like("stg_utilities", "efectivo_backup", "UTILITY", util_cust, "UTILITIES",
-                  "EFECTIVO_BACKUP", seen=cash_seen)
+                  "EFECTIVO_BACKUP", seen=cash_seen, type_label="CASH DEPOSIT")
     fm3("efectivo_fm3", "EFECTIVO FM3")
     fm3("cheque_fm3", "CHEQUE FM3", check_col="num_cheque")
     billing("datos2", "datos2")
     billing("fee_anual", "FEE ANUAL")
     billing("fee15", "fee15")
     iva()
-    efectivo_like("stg_seguros", "efectivo", "INSURANCE", ins_cust, "SEGUROS 16_be", "EFECTIVO")
+    # Same record shape in the seguros DB. Labelled for consistency in the
+    # platform's own UI; unverifiable against the site, which only ever reads
+    # domain='UTILITY', so no customer-facing behaviour depends on it.
+    efectivo_like("stg_seguros", "efectivo", "INSURANCE", ins_cust, "SEGUROS 16_be",
+                  "EFECTIVO", type_label="CASH DEPOSIT")
 
     if sync_mode:
         # Transaction types are rebuilt with fresh uuids each run; resolve them