diff --git a/payment/uc_credit/uc_credit.module b/payment/uc_credit/uc_credit.module
index 6359f26..8fbc18b 100644
--- a/payment/uc_credit/uc_credit.module
+++ b/payment/uc_credit/uc_credit.module
@@ -304,7 +304,7 @@ function uc_credit_store_status() {
  */
 function uc_credit_order($op, $arg1, $arg2) {
   // Set up the encryption key and object for saving and loading.
-  if ($arg1->payment_method == 'credit' && ($op == 'save' || $op == 'load')) {
+  if (!empty($arg1->payment_method) && $arg1->payment_method == 'credit' && ($op == 'save' || $op == 'load')) {
     // Log an error if encryption isn't configured properly.
     if (!uc_credit_encryption_key()) {
       watchdog('uc_credit', 'Credit card encryption must be set up to process credit cards.');