diff --git a/app/Http/Controllers/ClientPortal/PaymentController.php b/app/Http/Controllers/ClientPortal/PaymentController.php
index 97dc9c5a1d66..4f2b70846389 100644
--- a/app/Http/Controllers/ClientPortal/PaymentController.php
+++ b/app/Http/Controllers/ClientPortal/PaymentController.php
@@ -214,7 +214,7 @@ class PaymentController extends Controller
         $payment_method_id = $request->input('payment_method_id');
         $invoice_totals = $payable_invoices->sum('amount');
         $first_invoice = $invoices->first();
-        $credit_totals = $first_invoice->client->getSetting('use_credits_payment') == 'off' ? 0 : $first_invoice->client->service()->getCreditBalance();
+        $credit_totals = $first_invoice->client->getSetting('use_credits_payment') == 'always' ? $first_invoice->client->service()->getCreditBalance() : 0;
         $starting_invoice_amount = $first_invoice->amount;
 
         if ($gateway) {