diff --git a/src/factories/payments-processor-factory.ts b/src/factories/payments-processor-factory.ts
index bb9b4f0..367d879 100644
--- a/src/factories/payments-processor-factory.ts
+++ b/src/factories/payments-processor-factory.ts
@@ -51,7 +51,7 @@ const createZebedeePaymentsProcessor = (settings: Settings): IPaymentsProcessor
 export const createPaymentsProcessor = (): IPaymentsProcessor => {
   const settings = createSettings()
   if (!settings.payments?.enabled) {
-    throw new Error('Unable to create payments processor: Setting payments.enabled is false')
+    return new NullPaymentsProcessor()
   }