diff --git a/config.ru b/config.ru
index 209997d02a990a8e958108fb139b4a463b74f1f8..fdf923b534c4a7db3bca923ea5e138512b0a5d7d 100644
--- a/config.ru
+++ b/config.ru
@@ -403,6 +403,8 @@ class JmpPay < Roda
 	end
 
 	def retail_rate(rates)
+		return unless rates&.first&.dig("total")
+
 		total = BigDecimal(rates.first["total"], 2)
 		total *= 0.75 if params["currency"] == "USD"
 		params["country-name"] == "US" ? total.round : total.ceil