diff --git a/changelog/fix-10193-woopay-express-button-fatal b/changelog/fix-10193-woopay-express-button-fatal
new file mode 100644
index 00000000000..cafdf6cb55c
--- /dev/null
+++ b/changelog/fix-10193-woopay-express-button-fatal
@@ -0,0 +1,4 @@
+Significance: patch
+Type: fix
+
+Prevent potential fatal when initializing the WooPay express checkout button.
diff --git a/includes/class-wc-payments-woopay-button-handler.php b/includes/class-wc-payments-woopay-button-handler.php
index 6d731566ebf..18610781a8a 100644
--- a/includes/class-wc-payments-woopay-button-handler.php
+++ b/includes/class-wc-payments-woopay-button-handler.php
@@ -125,12 +125,12 @@ public function init() {
 
 		// Create WooPay button location option if it doesn't exist and enable all locations by default.
 		if ( ! array_key_exists( self::BUTTON_LOCATIONS, get_option( 'woocommerce_woocommerce_payments_settings' ) ) ) {
+			if ( isset( $this->gateway->form_fields[ self::BUTTON_LOCATIONS ]['options'] ) ) {
+				$all_locations = $this->gateway->form_fields[ self::BUTTON_LOCATIONS ]['options'];
 
-			$all_locations = $this->gateway->form_fields[ self::BUTTON_LOCATIONS ]['options'];
-
-			$this->gateway->update_option( self::BUTTON_LOCATIONS, array_keys( $all_locations ) );
-
-			WC_Payments::woopay_tracker()->woopay_locations_updated( $all_locations, array_keys( $all_locations ) );
+				$this->gateway->update_option( self::BUTTON_LOCATIONS, array_keys( $all_locations ) );
+				WC_Payments::woopay_tracker()->woopay_locations_updated( $all_locations, array_keys( $all_locations ) );
+			}
 		}
 
 		add_action( 'wp_enqueue_scripts', [ $this, 'scripts' ] );