diff --git a/workers/paymaster/src/index.ts b/workers/paymaster/src/index.ts
index 999f5011..bde8e284 100644
--- a/workers/paymaster/src/index.ts
+++ b/workers/paymaster/src/index.ts
@@ -53,10 +53,15 @@ export default class PaymasterWorker extends Worker {
    */
   private workspaces: Collection<WorkspaceDBScheme>;
 
+  /**
+   * Collection with plans
+   */
+  private plansCollection: Collection<PlanDBScheme>;
+
   /**
    * List of tariff plans
    */
-  private plans: PlanDBScheme[];
+  private plans: PlanDBScheme[] = [];
 
   /**
    * Check if today is a payday for passed timestamp
@@ -111,13 +116,9 @@ export default class PaymasterWorker extends Worker {
     const connection = await this.db.connect();
 
     this.workspaces = connection.collection('workspaces');
-    const plansCollection = connection.collection<PlanDBScheme>('plans');
-
-    this.plans = await plansCollection.find({}).toArray();
+    this.plansCollection = connection.collection<PlanDBScheme>('plans');
 
-    if (this.plans.length === 0) {
-      throw new Error('Please add tariff plans to the database');
-    }
+    await this.fetchPlans();
 
     await super.start();
   }
@@ -142,6 +143,48 @@ export default class PaymasterWorker extends Worker {
     }
   }
 
+  /**
+   * Fetches tariff plans from database and keeps them cached
+   */
+  private async fetchPlans(): Promise<void> {
+    if (!this.plansCollection) {
+      throw new Error('Plans collection is not initialized');
+    }
+
+    this.plans = await this.plansCollection.find({}).toArray();
+
+    if (this.plans.length === 0) {
+      throw new Error('Please add tariff plans to the database');
+    }
+  }
+
+  /**
+   * Finds plan by id from cached plans
+   */
+  private findPlanById(planId: WorkspaceDBScheme['tariffPlanId']): PlanDBScheme | undefined {
+    return this.plans.find((plan) => plan._id.toString() === planId.toString());
+  }
+
+  /**
+   * Returns workspace plan, refreshes cache when plan is missing
+   */
+  private async getWorkspacePlan(workspace: WorkspaceDBScheme): Promise<PlanDBScheme> {
+    let currentPlan = this.findPlanById(workspace.tariffPlanId);
+
+    if (currentPlan) {
+      return currentPlan;
+    }
+
+    await this.fetchPlans();
+    currentPlan = this.findPlanById(workspace.tariffPlanId);
+
+    if (!currentPlan) {
+      throw new Error(`[Paymaster] Tariff plan ${workspace.tariffPlanId.toString()} not found for workspace ${workspace._id.toString()} (${workspace.name})`);
+    }
+
+    return currentPlan;
+  }
+
   /**
    * WorkspaceSubscriptionCheckEvent event handler
    *
@@ -180,9 +223,7 @@ export default class PaymasterWorker extends Worker {
    */
   private async processWorkspaceSubscriptionCheck(workspace: WorkspaceDBScheme): Promise<[WorkspaceDBScheme, boolean]> {
     const date = new Date();
-    const currentPlan = this.plans.find(
-      (plan) => plan._id.toString() === workspace.tariffPlanId.toString()
-    );
+    const currentPlan = await this.getWorkspacePlan(workspace);
 
     /** Define readable values */
 
diff --git a/workers/paymaster/tests/index.test.ts b/workers/paymaster/tests/index.test.ts
index 4217802b..ef8f68d5 100644
--- a/workers/paymaster/tests/index.test.ts
+++ b/workers/paymaster/tests/index.test.ts
@@ -695,6 +695,103 @@ describe('PaymasterWorker', () => {
     MockDate.reset();
   });
 
+  test('Should refetch plans if workspace tariff appears after worker start', async () => {
+    /**
+     * Arrange
+     */
+    const currentDate = new Date('2005-12-22');
+    const cachedPlan = createPlanMock({
+      monthlyCharge: 100,
+      isDefault: true,
+    });
+
+    await tariffCollection.insertOne(cachedPlan);
+
+    const worker = new PaymasterWorker();
+
+    await worker.start();
+
+    const newPlan = createPlanMock({
+      monthlyCharge: 0,
+      isDefault: false,
+    });
+
+    await tariffCollection.insertOne(newPlan);
+
+    const workspace = createWorkspaceMock({
+      plan: newPlan,
+      subscriptionId: null,
+      lastChargeDate: new Date('2005-11-22'),
+      isBlocked: true,
+      billingPeriodEventsCount: 10,
+    });
+
+    await workspacesCollection.insertOne(workspace);
+
+    MockDate.set(currentDate);
+
+    /**
+     * Act
+     */
+    await expect(worker.handle(WORKSPACE_SUBSCRIPTION_CHECK)).resolves.not.toThrow();
+
+    /**
+     * Assert
+     */
+    const updatedWorkspace = await workspacesCollection.findOne({ _id: workspace._id });
+
+    expect(updatedWorkspace.lastChargeDate).toEqual(currentDate);
+    expect(updatedWorkspace.billingPeriodEventsCount).toEqual(0);
+    expect(updatedWorkspace.isBlocked).toEqual(false);
+
+    await worker.finish();
+    MockDate.reset();
+  });
+
+  test('Should throw an error when workspace plan is still missing after refetch', async () => {
+    /**
+     * Arrange
+     */
+    const currentDate = new Date('2005-12-22');
+    const cachedPlan = createPlanMock({
+      monthlyCharge: 100,
+      isDefault: true,
+    });
+
+    await tariffCollection.insertOne(cachedPlan);
+
+    const worker = new PaymasterWorker();
+
+    await worker.start();
+
+    const missingPlan = createPlanMock({
+      monthlyCharge: 50,
+      isDefault: false,
+    });
+
+    const workspace = createWorkspaceMock({
+      plan: missingPlan,
+      subscriptionId: null,
+      lastChargeDate: new Date('2005-11-22'),
+      isBlocked: false,
+      billingPeriodEventsCount: 10,
+    });
+
+    await workspacesCollection.insertOne(workspace);
+
+    MockDate.set(currentDate);
+
+    /**
+     * Act + Assert
+     */
+    await expect(worker.handle(WORKSPACE_SUBSCRIPTION_CHECK)).rejects.toThrow(
+      `[Paymaster] Tariff plan ${missingPlan._id.toString()} not found for workspace ${workspace._id.toString()} (${workspace.name})`
+    );
+
+    await worker.finish();
+    MockDate.reset();
+  });
+
   afterAll(async () => {
     await connection.close();
     MockDate.reset();