diff --git a/src/layouts/payment-method/payment-method-question/payment-method-question.vue b/src/layouts/payment-method/payment-method-question/payment-method-question.vue
index 9991e6093..a2974d7ef 100644
--- a/src/layouts/payment-method/payment-method-question/payment-method-question.vue
+++ b/src/layouts/payment-method/payment-method-question/payment-method-question.vue
@@ -9,10 +9,8 @@
             :answers="paymentMethodAnswerData"
             isRequired
             :validationRules="validationRules"
-            :hasRecal="hasRecal"
             :showApplePay="showApplePay"
             :isInsurance="isInsurance"
-            :isPiaEnabled="isPiaEnabled"
             v-model="selectedMethod"
             textPosition="text-start" />
     </div>
@@ -21,8 +19,6 @@
 <script>
 import buttonQuestion from "@/digital-components/button-question/button-question";
 import paymentMethodListButton from "./payment-method-list-button/payment-method-list-button";
-import store from "@/store";
-import { paymentMethods, paymentTimes } from "@/constants/payment-method-constants";
 
 export default {
     name: "payment-method-question",
@@ -34,10 +30,8 @@ export default {
     props: {
         modelValue: String,
         validationRules: String,
-        hasRecal: Boolean,
         showApplePay: Boolean,
         isInsurance: Boolean,
-        isPiaEnabled: Boolean,
     },
     methods: {
         getAnswersNullSafe(widgetName) {
@@ -64,14 +58,10 @@ export default {
         },
         paymentMethodAnswerData() {
             var cmsData;
-            if (this.hasRecal) {
-                cmsData = this.getAnswersNullSafe("PaymentMethodHasRecalWidget");
+            if (this.showApplePay) {
+                cmsData = this.getAnswersNullSafe("PaymentMethodWidget");
             } else {
-                if (this.showApplePay) {
-                    cmsData = this.getAnswersNullSafe("PaymentMethodWidget");
-                } else {
-                    cmsData = this.getAnswersNullSafe("PaymentMethodHasRecalWidget");
-                }
+                cmsData = this.getAnswersNullSafe("PaymentMethodHasRecalWidget");
             }
 
             var tempItems = cmsData.map((answer) => {
@@ -84,20 +74,13 @@ export default {
                 };
             });
 
-            if (this.hasRecal || this.isInsurance) {
+            if (this.isInsurance) {
                 tempItems.splice(
                     tempItems.findIndex((a) => a.value === "Insurance"),
                     1
                 );
             }
 
-            if (this.hasRecal || !this.isPiaEnabled) {
-                tempItems.splice(
-                    tempItems.findIndex((a) => a.value === "PayNow"),
-                    1
-                );
-            }
-
             return tempItems;
         },
     },
diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index 79813cd48..2c110bd10 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -65,16 +65,14 @@
                     </div>
 
                     <paymentMethodQuestion
-                        v-if="isPiaEnabled && totalAmountDue > 0"
+                        v-if="showPaymentMethodQuestions"
                         v-model="paymentMethodInternalModel"
-                        :hasRecal="hasRecal"
                         :showApplePay="showApplePay"
                         :isInsurance="isInsurance"
-                        :isPiaEnabled="isPiaEnabled"
                         validationRules="payment-method-required" />
-
+                        
                     <alert
-                        v-if="!isPiaEnabled && totalAmountDue > 0"
+                        v-if="!showPaymentMethodQuestions && !forwardClicked"
                         :isDismissible="false"
                         alertClass="alert-info"
                         cmsWidgetName="NoPiaDisclaimerWidget"
@@ -348,6 +346,7 @@ export default {
             paymentMethodInternalModel: this.getPaymentMethodFromStore(),
             inactivePromos: this.getInactivePromosFromStore(),
             isRecalAckOptIn: false,
+            forwardClicked: false, // this prevents the pia disclaimer from showing when switching to insurance and nav forward
         };
     },
     methods: {
@@ -490,6 +489,8 @@ export default {
             this.$router.navigateWithoutSaving(this.navigationScenarios.CLICKED_BACK, this.$route);
         },
         async forwardButtonAction() {
+            this.forwardClicked = true;
+
             await this.dispatchStoreAction(
                 storeActions.SAVE_PAYMENT_METHOD_CHOICE,
                 this.paymentMethod,
@@ -641,6 +642,12 @@ export default {
                     return null;
             }
         },
+        showPaymentMethodQuestions() {
+            if (this.isPiaEnabled && this.totalAmountDue > 0 && !this.hasRecal) {
+                return true;
+            }
+            return false;
+        },
         totalAmountDue() {
             return baseMixin.methods.getAmountDue(this.lineItems);
         },
diff --git a/src/layouts/payment/payment.vue b/src/layouts/payment/payment.vue
index 960c2c3fb..ec8e416df 100644
--- a/src/layouts/payment/payment.vue
+++ b/src/layouts/payment/payment.vue
@@ -665,8 +665,8 @@ export default {
                                 iframe.contentWindow.postMessage("hybrid", "*");
                                 console.log(new Date() + ": Sent hybrid: new hop no applepay");
                             }
-
-                            if (this.paymentType == "cc") {
+                            
+                            if (this.paymentType == "cc" || this.paymentType == "PayNow") {
                                 iframe.contentWindow.postMessage("CreditCardChosen", "*");
                                 console.log(new Date() + ": Sent creditcard");
                             } else if (this.paymentType == "ap") {