diff --git a/commerce_stripe.module b/commerce_stripe.module
index c1fae62..377eeb5 100755
--- a/commerce_stripe.module
+++ b/commerce_stripe.module
@@ -1521,11 +1521,15 @@ function _commerce_stripe_set_api_key($payment_method) {
  */
 function commerce_stripe_payment_currencies() {
   commerce_stripe_load_library();
+  $supported_currencies = array();
   $payment_method = commerce_payment_method_instance_load('commerce_stripe|commerce_payment_commerce_stripe');
-  _commerce_stripe_set_api_key($payment_method);
-  $info = \Stripe\Account::retrieve();
-  $country_spec = \Stripe\CountrySpec::retrieve($info->country);
-  $supported_currencies = $country_spec->supported_payment_currencies;
+
+  if (!empty($payment_method['settings']['secret_key'])) {
+    _commerce_stripe_set_api_key($payment_method);
+    $info = \Stripe\Account::retrieve();
+    $country_spec = \Stripe\CountrySpec::retrieve($info->country);
+    $supported_currencies = $country_spec->supported_payment_currencies;
+  }
   return $supported_currencies;
 }