diff --git a/hc/urls.py b/hc/urls.py
index a890f794..8038c1d9 100644
--- a/hc/urls.py
+++ b/hc/urls.py
@@ -1,3 +1,4 @@
+from django.conf import settings
 from django.conf.urls import include, url
 from django.contrib import admin
 
@@ -6,5 +7,8 @@ urlpatterns = [
     url(r'^accounts/', include('hc.accounts.urls')),
     url(r'^',          include('hc.api.urls')),
     url(r'^',          include('hc.front.urls')),
-    url(r'^',          include('hc.payments.urls')),
+
 ]
+
+if settings.USE_PAYMENTS:
+    urlpatterns.append(url(r'^', include('hc.payments.urls')))