diff --git a/src/includes/AlmaSettings.php b/src/includes/AlmaSettings.php
index 2e4173fb..c59ddafb 100644
--- a/src/includes/AlmaSettings.php
+++ b/src/includes/AlmaSettings.php
@@ -71,6 +71,7 @@
  */
 class AlmaSettings {
 
+
 	const OPTIONS_KEY = 'wc_alma_settings'; // Generated by WooCommerce in WC_Settings_API::get_option_key().
 
 	/**
@@ -192,7 +193,7 @@ class AlmaSettings {
 	 * Constructor.
 	 */
 	public function __construct() {
-		$this->logger                      = new AlmaLogger();
+		 $this->logger                     = new AlmaLogger();
 		$this->encryptor_helper            = new EncryptorHelper();
 		$this->fee_plan_helper             = new FeePlanHelper();
 		$this->internationalization_helper = new InternationalizationHelper();
@@ -229,7 +230,7 @@ public function get_settings() {
 		$settings = (array) get_option( self::OPTIONS_KEY, array() );
 
 		if ( ! empty( $settings['allowed_fee_plans'] ) && ! is_array( $settings['allowed_fee_plans'] ) ) {
-			$settings['allowed_fee_plans'] = unserialize( $settings['allowed_fee_plans'] ); // phpcs:ignore
+			$settings['allowed_fee_plans'] = unserialize($settings['allowed_fee_plans']); // phpcs:ignore
 		}
 
 		return array_merge( $this->settings_helper->default_settings(), $settings );
@@ -418,7 +419,11 @@ public function is_pnx_plus_4( $fee_plan ) {
 	 */
 	public function has_pay_now() {
 		foreach ( $this->get_enabled_plans_definitions() as $plan_definition ) {
-			if ( 1 === $plan_definition['installments_count'] ) {
+			if (
+			   1 === $plan_definition['installments_count'] &&
+			   0 === $plan_definition['deferred_days'] &&
+			   0 === $plan_definition['deferred_months']
+			) {
 				return true;
 			}
 		}
@@ -495,7 +500,7 @@ public function get_description( $payment_method, $is_blocks = false ) {
 	 * @return bool
 	 */
 	public function is_test() {
-		return $this->get_environment() === 'test';
+		 return $this->get_environment() === 'test';
 	}
 
 	/**
@@ -504,7 +509,7 @@ public function is_test() {
 	 * @return string
 	 */
 	public function get_environment() {
-		return 'live' === $this->environment ? 'live' : 'test';
+		 return 'live' === $this->environment ? 'live' : 'test';
 	}
 
 	/**
@@ -535,7 +540,7 @@ public function get_active_api_key() {
 	 * @return bool
 	 */
 	public function is_live() {
-		return $this->get_environment() === 'live';
+		 return $this->get_environment() === 'live';
 	}
 
 	/**
@@ -818,7 +823,6 @@ public function get_active_merchant_id() {
 	 * @throws ParamsError Params exceptions.
 	 */
 	public function get_alma_merchant_id() {
-
 		$this->get_alma_client();
 
 		if ( ! empty( $this->alma_client ) ) {
@@ -890,7 +894,7 @@ function ( $fee_plan ) {
 			}
 		);
 
-		$this->settings['allowed_fee_plans'] = serialize( $this->allowed_fee_plans ); // phpcs:ignore
+		$this->settings['allowed_fee_plans'] = serialize($this->allowed_fee_plans); // phpcs:ignore
 
 		foreach ( $this->allowed_fee_plans as $fee_plan ) {
 			$plan_key           = $fee_plan->getPlanKey();
@@ -1050,12 +1054,12 @@ public function should_display_plan( $plan_key, $gateway_id ) {
 			case ConstantsHelper::GATEWAY_ID_PAY_NOW:
 			case ConstantsHelper::GATEWAY_ID_IN_PAGE_PAY_NOW:
 				$display_plan = $this->get_installments_count( $plan_key ) === 1
-								&& ( $this->get_deferred_days( $plan_key ) === 0 && $this->get_deferred_months( $plan_key ) === 0 );
+					&& ( $this->get_deferred_days( $plan_key ) === 0 && $this->get_deferred_months( $plan_key ) === 0 );
 				break;
 			case ConstantsHelper::GATEWAY_ID_PAY_LATER:
 			case ConstantsHelper::GATEWAY_ID_IN_PAGE_PAY_LATER:
 				$display_plan = $this->get_installments_count( $plan_key ) === 1
-								&& ( $this->get_deferred_days( $plan_key ) !== 0 || $this->get_deferred_months( $plan_key ) !== 0 );
+					&& ( $this->get_deferred_days( $plan_key ) !== 0 || $this->get_deferred_months( $plan_key ) !== 0 );
 				break;
 			case ConstantsHelper::GATEWAY_ID_IN_PAGE_MORE_THAN_FOUR:
 			case ConstantsHelper::GATEWAY_ID_MORE_THAN_FOUR:
diff --git a/src/tests/AlmaSettingsTest.php b/src/tests/AlmaSettingsTest.php
new file mode 100644
index 00000000..dc74854d
--- /dev/null
+++ b/src/tests/AlmaSettingsTest.php
@@ -0,0 +1,79 @@
+<?php
+
+namespace Alma\Woocommerce\Tests;
+
+use Alma\Woocommerce\AlmaSettings;
+use WP_UnitTestCase;
+
+
+class AlmaSettingsTest extends WP_UnitTestCase
+{
+	/**
+	 * @var mixed
+	 */
+	private $alma_settings;
+
+	public function set_up()
+	{
+		$this->alma_settings = \Mockery::mock(AlmaSettings::class)->makePartial();
+	}
+
+	public function test_has_pay_now()
+	{
+		$this->alma_settings
+			->shouldReceive('get_enabled_plans_definitions')
+			->andReturn([
+				"general_1_0_0" => [
+					'installments_count' => 1,
+					'min_amount' => 100,
+					'max_amount' => 1000,
+					'deferred_days' => 0,
+					'deferred_months' => 0
+				],
+				"general_3_0_0" => [
+					'installments_count' => 3,
+					'min_amount' => 100,
+					'max_amount' => 1000,
+					'deferred_days' => 0,
+					'deferred_months' => 0
+				],
+			]);
+		$this->assertTrue($this->alma_settings->has_pay_now());
+	}
+
+	public function test_has_pay_now_with_invalid()
+	{
+		$this->alma_settings
+			->shouldReceive('get_enabled_plans_definitions')
+			->andReturn([
+				"general_1_15_0" => [
+					'installments_count' => 1,
+					'min_amount' => 100,
+					'max_amount' => 1000,
+					'deferred_days' => 15,
+					'deferred_months' => 0
+				],
+				"general_1_0_1" => [
+					'installments_count' => 1,
+					'min_amount' => 100,
+					'max_amount' => 1000,
+					'deferred_days' => 0,
+					'deferred_months' => 1
+				],
+				"general_10_0_0" => [
+					'installments_count' => 10,
+					'min_amount' => 100,
+					'max_amount' => 1000,
+					'deferred_days' => 0,
+					'deferred_months' => 0
+				]
+			]);
+		$this->assertFalse($this->alma_settings->has_pay_now());
+	}
+
+	public function tear_down()
+	{
+		\Mockery::close();
+	}
+
+}