diff --git a/modules/ppcp-button/src/Assets/SmartButton.php b/modules/ppcp-button/src/Assets/SmartButton.php
index c581a26a8..ae187b2da 100644
--- a/modules/ppcp-button/src/Assets/SmartButton.php
+++ b/modules/ppcp-button/src/Assets/SmartButton.php
@@ -958,7 +958,10 @@ class SmartButton implements SmartButtonInterface {
 
 		$is_dcc_enabled = $this->settings->has( 'dcc_enabled' ) && $this->settings->get( 'dcc_enabled' );
 
-		if ( is_checkout() && $is_dcc_enabled ) {
+		$available_gateways       = WC()->payment_gateways->get_available_payment_gateways();
+		$is_separate_card_enabled = isset( $available_gateways[ CardButtonGateway::ID ] );
+
+		if ( is_checkout() && ( $is_dcc_enabled || $is_separate_card_enabled ) ) {
 			$key = array_search( 'card', $disable_funding, true );
 			if ( false !== $key ) {
 				unset( $disable_funding[ $key ] );