diff --git a/crates/router/src/core/payment_methods/cards.rs b/crates/router/src/core/payment_methods/cards.rs
index cee4e9d1dd22..4d4c4f8ccdb2 100644
--- a/crates/router/src/core/payment_methods/cards.rs
+++ b/crates/router/src/core/payment_methods/cards.rs
@@ -3652,23 +3652,29 @@ pub async fn list_payment_methods(
             api_surcharge_decision_configs::MerchantSurchargeConfigs::default()
         };
 
-    let collect_shipping_details_from_wallets = business_profile
-        .as_ref()
-        .and_then(|business_profile| {
-            business_profile.always_collect_shipping_details_from_wallet_connector
-        })
-        .or(business_profile.as_ref().and_then(|business_profile| {
-            business_profile.collect_shipping_details_from_wallet_connector
-        }));
+    let collect_shipping_details_from_wallets =
+        business_profile.as_ref().and_then(|business_profile| {
+            if business_profile
+                .always_collect_shipping_details_from_wallet_connector
+                .unwrap_or(false)
+            {
+                business_profile.always_collect_shipping_details_from_wallet_connector
+            } else {
+                business_profile.collect_shipping_details_from_wallet_connector
+            }
+        });
 
-    let collect_billing_details_from_wallets = business_profile
-        .as_ref()
-        .and_then(|business_profile| {
-            business_profile.always_collect_billing_details_from_wallet_connector
-        })
-        .or(business_profile.as_ref().and_then(|business_profile| {
-            business_profile.collect_billing_details_from_wallet_connector
-        }));
+    let collect_billing_details_from_wallets =
+        business_profile.as_ref().and_then(|business_profile| {
+            if business_profile
+                .always_collect_billing_details_from_wallet_connector
+                .unwrap_or(false)
+            {
+                business_profile.always_collect_billing_details_from_wallet_connector
+            } else {
+                business_profile.collect_billing_details_from_wallet_connector
+            }
+        });
 
     Ok(services::ApplicationResponse::Json(
         api::PaymentMethodListResponse {