diff --git a/docs/changelog/7.x.x.txt b/docs/changelog/7.x.x.txt
index 456297d91..26d03ead5 100644
--- a/docs/changelog/7.x.x.txt
+++ b/docs/changelog/7.x.x.txt
@@ -15,6 +15,7 @@
  - fixed #10138: Matrix 2.0 Links in Product Listing are broken
  - fixed #10163: User List - alphabet search field broken
  - fixed #9039: Synopsis not output as a meta field
+ - fixed #9939: checkout error with any payment method
 
 7.7.3
  - fixed #10094: double explanation in thread help
diff --git a/lib/WebGUI/Shop/PayDriver.pm b/lib/WebGUI/Shop/PayDriver.pm
index 1e5cfc57e..8c2179812 100644
--- a/lib/WebGUI/Shop/PayDriver.pm
+++ b/lib/WebGUI/Shop/PayDriver.pm
@@ -13,6 +13,7 @@ use WebGUI::Macro;
 use WebGUI::User;
 use WebGUI::Shop::Cart;
 use JSON;
+use Scalar::Util qw/blessed/;
 
 =head1 NAME
 
@@ -616,11 +617,13 @@ sub processTransaction {
     # determine object type
     my $transaction;
     my $paymentAddress;
-    if ($object->isa('WebGUI::Shop::Transaction')) {
-        $transaction = $object;
-    }
-    elsif ($object->isa('WebGUI::Shop::Address')) {
-        $paymentAddress = $object;
+    if (blessed $object) {
+        if ($object->isa('WebGUI::Shop::Transaction')) {
+            $transaction = $object;
+        }
+        elsif ($object->isa('WebGUI::Shop::Address')) {
+            $paymentAddress = $object;
+        }
     }
 
     # Setup dynamic transaction