https://github.com/CyberSource/cybersource-plugins-rest-salesforceb2ccommerce/blob/2b9dddaee0cb71dca3c3eedd861e851a35fdfbf0/cartridges/int_cybs_sfra_base/cartridge/scripts/hooks/payment/processor/payments_credit.js#L284 This is incorrect. The correct test is if the token **is** empty: `if (empty(card.gPayToken)) ` (remove the `!` not operator)