diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index bd4b8212b..2a6d1d9ed 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -815,7 +815,7 @@ export default {
                     this.currentDeductible > 0
                 );
             } else {
-                if (piaExperience.includes("PIA Disabled")) {
+                if (piaExperience?.includes("PIA Disabled")) {
                     return this.isConditionalPIAEnabled;
                 } else {
                     return piaExperience === "PIA Optional" || piaExperience === "PIA Required";