diff --git a/app/models/payments.rb b/app/models/payments.rb
index 23421f5ec..e84e44de9 100644
--- a/app/models/payments.rb
+++ b/app/models/payments.rb
@@ -1,6 +1,6 @@
 module Payments
-  PAYMENT_INTERMEDIARIES = ENV['payments_intermediaries'].strip.split(', ').freeze
-  PAYMENT_BANKLINK_BANKS = ENV['payments_banks'].strip.split(', ').freeze
+  PAYMENT_INTERMEDIARIES = ENV['payments_intermediaries'].to_s.strip.split(', ').freeze
+  PAYMENT_BANKLINK_BANKS = ENV['payments_banks'].to_s.strip.split(', ').freeze
   PAYMENT_METHODS = [PAYMENT_INTERMEDIARIES, PAYMENT_BANKLINK_BANKS].flatten.freeze
 
   def self.create_with_type(type, invoice, opts = {})