diff --git a/changelog/fix-9742-blank-overview-page-without-wc-features b/changelog/fix-9742-blank-overview-page-without-wc-features
new file mode 100644
index 00000000000..8d473bd8ab4
--- /dev/null
+++ b/changelog/fix-9742-blank-overview-page-without-wc-features
@@ -0,0 +1,4 @@
+Significance: patch
+Type: fix
+
+Fix blank Payments > Overview page when WC onboarding is disabled.
diff --git a/client/onboarding/utils.ts b/client/onboarding/utils.ts
index 306328f64f7..809c87a9927 100644
--- a/client/onboarding/utils.ts
+++ b/client/onboarding/utils.ts
@@ -140,7 +140,7 @@ export const isPoEligible = async (
  * @return {string | undefined} The MCC code for the selected industry. Will return undefined if no industry is selected.
  */
 export const getMccFromIndustry = (): string | undefined => {
-	const industry = wcSettings.admin.onboarding.profile.industry?.[ 0 ];
+	const industry = wcSettings.admin?.onboarding?.profile?.industry?.[ 0 ];
 	if ( ! industry ) {
 		return undefined;
 	}