diff --git a/server/accounting/qbo/qbo-payments.js b/server/accounting/qbo/qbo-payments.js
index 99b4447cd..19ee23bc0 100644
--- a/server/accounting/qbo/qbo-payments.js
+++ b/server/accounting/qbo/qbo-payments.js
@@ -219,7 +219,11 @@ async function InsertPayment(oauthClient, qbo_realmId, req, payment, parentRef,
     PaymentMethodRef: {
       value: paymentMethods[payment.type]
     },
-    PrivateNote: payment.memo.length > 4000 ? payment.memo.substring(0, 4000).trim() : payment.memo.trim(),
+    PrivateNote: payment.memo
+      ? payment.memo.length > 4000
+        ? payment.memo.substring(0, 4000).trim()
+        : payment.memo.trim()
+      : "",
     PaymentRefNum: payment.transactionid,
     ...(invoices && invoices.length === 1 && invoices[0]
       ? {