diff --git a/modules/payment/includes/commerce_payment.checkout_pane.inc b/modules/payment/includes/commerce_payment.checkout_pane.inc
index 06c5a22..0e85aca 100644
--- a/modules/payment/includes/commerce_payment.checkout_pane.inc
+++ b/modules/payment/includes/commerce_payment.checkout_pane.inc
@@ -76,7 +76,7 @@ function commerce_payment_pane_checkout_form($form, &$form_state, $checkout_pane
 
     // Find the default payment method using either the preselected value stored
     // in the order / checkout pane or the first available method.
-    $pane_values = !empty($form_state['values']) ? $form_state['values'][$checkout_pane['pane_id']] : array();
+    $pane_values = !empty($form_state['values'][$checkout_pane['pane_id']]) ? $form_state['values'][$checkout_pane['pane_id']] : array();
 
     if (isset($pane_values['payment_method']) && isset($options[$pane_values['payment_method']])) {
       $default_value = $pane_values['payment_method'];