diff --git a/lib/money.ts b/lib/money.ts
index 01e4511..1a7f473 100644
--- a/lib/money.ts
+++ b/lib/money.ts
@@ -4,7 +4,7 @@ export function dollarsToCents(value: unknown): number | null {
   if (value === "" || value == null) return null;
   if (typeof value === "number") {
     if (!Number.isFinite(value) || value <= 0) return null;
-    return Math.round(value * 100);
+    return dollarsToCents(String(value));
   }
 
   const text = String(value).trim().replace(/\s+/g, "");
@@ -12,5 +12,6 @@ export function dollarsToCents(value: unknown): number | null {
 
   const amount = Number(text.replace(/[$,]/g, ""));
   if (!Number.isFinite(amount) || amount <= 0) return null;
-  return Math.round(amount * 100);
+  const cents = Math.round(amount * 100);
+  return cents > 0 ? cents : null;
 }
diff --git a/tests/money.test.mjs b/tests/money.test.mjs
index e12f083..c0cb6a1 100644
--- a/tests/money.test.mjs
+++ b/tests/money.test.mjs
@@ -20,6 +20,9 @@ test("dollarsToCents rejects partial or non-decimal strings", () => {
 
 test("dollarsToCents handles numeric values without accepting non-finite numbers", () => {
   assert.equal(dollarsToCents(2.5), 250);
+  assert.equal(dollarsToCents(1.23), 123);
+  assert.equal(dollarsToCents(1.234), null);
+  assert.equal(dollarsToCents(0.004), null);
   assert.equal(dollarsToCents(Number.NaN), null);
   assert.equal(dollarsToCents(Number.POSITIVE_INFINITY), null);
 });