diff --git a/src/iss-components/cart-dropdown/cart-dropdown.vue b/src/iss-components/cart-dropdown/cart-dropdown.vue
index d99747a4..03570058 100644
--- a/src/iss-components/cart-dropdown/cart-dropdown.vue
+++ b/src/iss-components/cart-dropdown/cart-dropdown.vue
@@ -193,6 +193,7 @@ export default {
         isInitiallyExpanded: Boolean,
         submittedOrder: Object
     },
+    emits: ['amountDueUpdated'],
     data() {
         return {
             isExpanded: this.isInitiallyExpanded,
@@ -249,7 +250,9 @@ export default {
             return getCartTotal(this.cartOrder);
         },
         amountDue() {
-            return this.showAsPaid ? 0 : this.total;
+            const newAmountDue = this.showAsPaid ? 0 : this.total;
+            this.$emit('amountDueUpdated', newAmountDue);
+            return newAmountDue;
         },
         amountPaid() {
             return !this.showAsPaid ? 0 : this.total;
diff --git a/src/layouts/payment-method/payment-method.spec.js b/src/layouts/payment-method/payment-method.spec.js
index 3e526b84..c3261972 100644
--- a/src/layouts/payment-method/payment-method.spec.js
+++ b/src/layouts/payment-method/payment-method.spec.js
@@ -184,10 +184,11 @@ describe('payment-method.vue', () => {
             // Assert
             expect(result).toBeTruthy();
         });
-        test('returns false when coverageStatus is verified', () => {
+        test('returns false when coverageStatus is verified and cartAmountDue > 0', () => {
             // Arrange
             store.order.insuranceCoverage.coverageStatus = coverageStatuses.VERIFIED;
             const wrapper = setupMocks({}, store, mixin);
+            wrapper.vm.cartAmountDue = 34.99;
 
             // Act
             const result = wrapper.vm.isPayInAdvanceDisabled;
@@ -195,6 +196,18 @@ describe('payment-method.vue', () => {
             // Assert
             expect(result).toBeFalsy();
         });
+        test('returns true when coverageStatus is verified and cartAmountDue = 0', () => {
+            // Arrange
+            store.order.insuranceCoverage.coverageStatus = coverageStatuses.VERIFIED;
+            const wrapper = setupMocks({}, store, mixin);
+            wrapper.vm.cartAmountDue = 0;
+
+            // Act
+            const result = wrapper.vm.isPayInAdvanceDisabled;
+
+            // Assert
+            expect(result).toBeTruthy();
+        });
         test('returns true when pia not enabled', () => {
             // Arrange
             mixin = {
diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index 164c6bbe..f92340a9 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -32,7 +32,8 @@
                             :showDropdownHeader="true"
                             :isInitiallyExpanded="false"
                             recyclingModalCmsWidgetName="RecycleModal"
-                            servicePackageTitleWidgetName="ServicePackageTitle" />
+                            servicePackageTitleWidgetName="ServicePackageTitle"
+                            @amountDueUpdated="updateAmountDue" />
                         <hr class="mt-0 mb-5" />
                         <alert
                             v-if="displayPayInAdvanceAlert"
@@ -162,6 +163,7 @@ export default {
     },
     data() {
         return {
+            cartAmountDue: 0,
             paymentMethodInternalModel: this.getPaymentMethodFromStore(),
             rules: {
                 optionRequired: globalRules.OPTION_REQUIRED
@@ -187,8 +189,9 @@ export default {
         isPayInAdvanceDisabled() {
             const piaExperience = this.getSettingValue(experimentSettings.ISS_DISPLAY_PAY_IN_ADVANCE);
             const isEnabled = piaExperience === 'true';
+            const isAmountDueEqualToZero = this.cartAmountDue === 0;
 
-            return !isEnabled || useMainStore().isUnverified;
+            return !isEnabled || useMainStore().isUnverified || isAmountDueEqualToZero;
         },
         paymentMethod() {
             return this.paymentMethodInternalModel;
@@ -295,6 +298,9 @@ export default {
                 ? payInAdvanceType
                 : paymentMethods.PAY_AT_TIME_OF_SERVICE;
         },
+        updateAmountDue(newAmountDue) {
+            this.cartAmountDue = newAmountDue;
+        },
         updateFooterButtonText(newValue) {
             this.$refs.siteFooter.updateButtonText(newValue);
         },