diff --git a/modules/ppcp-wc-gateway/resources/js/gateway-settings.js b/modules/ppcp-wc-gateway/resources/js/gateway-settings.js
index 6f371dd99..633cb59f5 100644
--- a/modules/ppcp-wc-gateway/resources/js/gateway-settings.js
+++ b/modules/ppcp-wc-gateway/resources/js/gateway-settings.js
@@ -65,8 +65,8 @@
             atLeastOneChecked(vaultingCheckboxes) ? disablePayLater() : enablePayLater()
         }
 
-        togglePayLater()
         disableAll( disabledCheckboxes )
+        togglePayLater()
 
         vaultingCheckboxes.forEach(node => node.addEventListener('change', togglePayLater));
     }