Hi guys,
we had the same problem with one of our client's stores and this fix worked for 4.3:
open
/modules/XPayments_Connector/xpc_func.php
find this code:
Code:
!empty($user_info[$field])
? $user_info[$field]
: ''
change to
Code:
!empty($user_info[$field])
? $user_info[$field]
: 'None'