if (($this->_values['is_pay_later'] &&
empty($this->_paymentProcessor) &&
!array_key_exists('hidden_processor', $params)) ||
- (!empty($params['payment_processor_id']) && $params['payment_processor_id'] == 0)
+ (CRM_Utils_Array::value('payment_processor_id', $params) == 0)
) {
$params['is_pay_later'] = 1;
}