diff --git a/modules/ppcp-settings/src/Data/OnboardingProfile.php b/modules/ppcp-settings/src/Data/OnboardingProfile.php
index c0049921d..3ba3f36c2 100644
--- a/modules/ppcp-settings/src/Data/OnboardingProfile.php
+++ b/modules/ppcp-settings/src/Data/OnboardingProfile.php
@@ -132,6 +132,15 @@ class OnboardingProfile extends AbstractDataModel {
 		$this->data['is_casual_seller'] = $casual_seller;
 	}
 
+	/**
+	 * Whether the merchant wants to accept card payments via the PayPal plugin.
+	 *
+	 * @return bool
+	 */
+	public function get_accept_card_payments() : bool {
+		return (bool) $this->data['accept_card_payments'];
+	}
+
 	/**
 	 * Sets the "accept card payments" flag.
 	 *
diff --git a/modules/ppcp-settings/src/SettingsModule.php b/modules/ppcp-settings/src/SettingsModule.php
index 50bd9e294..6a1dcc587 100644
--- a/modules/ppcp-settings/src/SettingsModule.php
+++ b/modules/ppcp-settings/src/SettingsModule.php
@@ -300,7 +300,7 @@ class SettingsModule implements ServiceModule, ExecutableModule {
 				// TODO: Dummy values, use real values!
 				$flags->country_code       = 'US';
 				$flags->is_business_seller = true;
-				$flags->use_card_payments  = true;
+				$flags->use_card_payments  = $onboarding_profile->get_accept_card_payments();
 				$flags->use_subscriptions  = true;
 
 				$data_manager->set_defaults_for_new_merchant( $flags );