diff --git a/packages/thirdweb/src/react/web/hooks/x402/useFetchWithPayment.tsx b/packages/thirdweb/src/react/web/hooks/x402/useFetchWithPayment.tsx
index 01264dd5b81..89526b02953 100644
--- a/packages/thirdweb/src/react/web/hooks/x402/useFetchWithPayment.tsx
+++ b/packages/thirdweb/src/react/web/hooks/x402/useFetchWithPayment.tsx
@@ -259,7 +259,7 @@ export function useFetchWithPayment(
   // Default to webLocalStorage for permit signature caching
   const resolvedOptions = useMemo(
     () => ({
-      ...options,
+      ...(options ?? {}),
       storage: options?.storage ?? webLocalStorage,
     }),
     [options],