diff -rup userpoints_ubercart.bak/uc_userpoints_discount.module userpoints_ubercart/uc_userpoints_discount.module
diff -rup userpoints_ubercart.bak/uc_userpoints_payment.module userpoints_ubercart/uc_userpoints_payment.module
--- userpoints_ubercart.bak/uc_userpoints_payment.module	2012-03-14 18:25:10.000000000 +0100
+++ userpoints_ubercart/uc_userpoints_payment.module	2012-03-14 17:52:12.000000000 +0100
@@ -238,7 +238,7 @@ function uc_payment_method_points($op, &
 			break;
 		case 'cart-process':
       $user_points = userpoints_get_current_points($arg1->uid, variable_get(USERPOINTS_PAY_CATEGORY, NULL));
-      $order_points = ceil($arg1->order_total * variable_get(USERPOINTS_UC_PAYMENT, 1));
+      $order_points = ceil(($arg1->order_total + $arg1->quote['rate']) * variable_get(USERPOINTS_UC_PAYMENT, 1));
 
 			if ($user_points < $order_points) {
         if (variable_get(USERPOINTS_PAY_DISPLAY, 1)) {