diff --git a/payment/src/main/java/org/killbill/billing/payment/core/PaymentMethodProcessor.java b/payment/src/main/java/org/killbill/billing/payment/core/PaymentMethodProcessor.java
index b8bcf61..e66b2fd 100644
--- a/payment/src/main/java/org/killbill/billing/payment/core/PaymentMethodProcessor.java
+++ b/payment/src/main/java/org/killbill/billing/payment/core/PaymentMethodProcessor.java
@@ -178,7 +178,7 @@ public class PaymentMethodProcessor extends ProcessorBase {
public UUID addPaymentMethodWithControl(final String paymentMethodExternalKey, final String paymentPluginServiceName, final Account account,
final boolean setDefault, final PaymentMethodPlugin paymentMethodProps, final Iterable<PluginProperty> properties,
final List<String> paymentControlPluginNames, final CallContext callContext, final InternalCallContext context) throws PaymentApiException {
- final Iterable<PluginProperty> mergedProperties = PluginProperties.merge(paymentMethodProps.getProperties(), properties);
+ final Iterable<PluginProperty> mergedProperties = paymentMethodProps.getProperties() != null ? PluginProperties.merge(paymentMethodProps.getProperties(), properties) : properties;
return executeWithPaymentMethodControl(paymentPluginServiceName, account, mergedProperties, paymentControlPluginNames, callContext, uuidPluginNotificationDispatcher, new WithPaymentMethodControlCallback<UUID>() {
@Override
public UUID doPaymentMethodApiOperation(final String adjustedPaymentPluginServiceName, final Iterable<PluginProperty> adjustedPluginProperties) throws PaymentApiException {
