diff --git a/src/Service/RiderAPIHandler/CMBRiderAPIHandler.php b/src/Service/RiderAPIHandler/CMBRiderAPIHandler.php
index 597869c4..2dbb4465 100644
--- a/src/Service/RiderAPIHandler/CMBRiderAPIHandler.php
+++ b/src/Service/RiderAPIHandler/CMBRiderAPIHandler.php
@@ -1246,9 +1246,10 @@ class CMBRiderAPIHandler implements RiderAPIHandlerInterface
             $trade_in = null;
 
         // check mode of payment
+        // TODO: defaulting to credit_card for now if mode of payment is invalid
         $mode = $req->request->get('mode_of_payment');
         if (!CMBModeOfPayment::validate($mode))
-            $mode = CMBModeOfPayment::CASH;
+            $mode = CMBModeOfPayment::CREDIT_CARD;
         $jo->setModeOfPayment($mode);
 
         // generate new invoice