diff --git a/src/Components/PaymentFilter/DefaultPaymentFilterService.php b/src/Components/PaymentFilter/DefaultPaymentFilterService.php
index 3dc876dfe..38af3d68f 100644
--- a/src/Components/PaymentFilter/DefaultPaymentFilterService.php
+++ b/src/Components/PaymentFilter/DefaultPaymentFilterService.php
@@ -27,10 +27,14 @@ public function __construct(
     ) {
     }
 
-    public function filterPaymentMethods(
+    final public function filterPaymentMethods(
         PaymentMethodCollection $methodCollection,
         PaymentFilterContext $filterContext
     ): PaymentMethodCollection {
+        if ($this->getSupportedPaymentMethods($methodCollection)->getElements() === []) {
+            return $methodCollection;
+        }
+
         $currency = $filterContext->getCurrency();
         $billingAddress = $filterContext->getBillingAddress();
 
@@ -49,32 +53,34 @@ public function filterPaymentMethods(
                 $this->validateMinValue($currentValue);
                 $this->validateMaxValue($currentValue);
             }
+            $this->additionalChecks($methodCollection, $filterContext);
         } catch (PaymentMethodNotAllowedException) {
-            $methodCollection = $this->removePaymentMethod($methodCollection);
+            $methodCollection = $this->removePaymentMethods($methodCollection);
         }
 
         return $methodCollection;
     }
 
-    /**
-     * returns true, if the method should be filtered out.
-     *
-     * @internal method needs to be public, so it can be called by `removePaymentMethod`
-     */
-    public function canMethodRemoved(PaymentMethodEntity $paymentMethod): bool
+    protected function additionalChecks(
+        PaymentMethodCollection $methodCollection,
+        PaymentFilterContext $filterContext
+    ): void {
+    }
+
+    private function getSupportedPaymentMethods(PaymentMethodCollection $paymentMethodCollection): PaymentMethodCollection
     {
         $refClass = new \ReflectionClass($this->paymentHandlerClass);
 
-        return $refClass->isAbstract()
+        return $paymentMethodCollection->filter(fn (PaymentMethodEntity $paymentMethod) => $refClass->isAbstract()
             ? is_subclass_of($paymentMethod->getHandlerIdentifier(), $this->paymentHandlerClass)
-            : $paymentMethod->getHandlerIdentifier() === $this->paymentHandlerClass;
+            : $paymentMethod->getHandlerIdentifier() === $this->paymentHandlerClass);
     }
 
-    protected function removePaymentMethod(PaymentMethodCollection $paymentMethodCollection): PaymentMethodCollection
+    private function removePaymentMethods(PaymentMethodCollection $paymentMethodCollection): PaymentMethodCollection
     {
-        $that = $this;
-        // filter-method needs a closure (forced anonymous function) so we can not use [$this, 'filterMethod']
-        return $paymentMethodCollection->filter(static fn (PaymentMethodEntity $entity) => !$that->canMethodRemoved($entity));
+        $itemsToRemove = $this->getSupportedPaymentMethods($paymentMethodCollection);
+
+        return $paymentMethodCollection->filter(static fn (PaymentMethodEntity $entity) => !$itemsToRemove->has($entity->getUniqueIdentifier()));
     }
 
     private function validateAddress(CustomerAddressEntity|OrderAddressEntity|null $address): void
diff --git a/src/Components/PaymentFilter/KlarnaPaymentMethodFilter.php b/src/Components/PaymentFilter/KlarnaPaymentMethodFilter.php
index 534149d8a..e81dd0bdb 100644
--- a/src/Components/PaymentFilter/KlarnaPaymentMethodFilter.php
+++ b/src/Components/PaymentFilter/KlarnaPaymentMethodFilter.php
@@ -4,21 +4,18 @@
 
 namespace PayonePayment\Components\PaymentFilter;
 
+use PayonePayment\Components\PaymentFilter\Exception\PaymentMethodNotAllowedException;
 use Shopware\Core\Checkout\Order\Aggregate\OrderLineItem\OrderLineItemCollection;
 use Shopware\Core\Checkout\Payment\PaymentMethodCollection;
 use Swag\CustomizedProducts\Core\Checkout\CustomizedProductsCartDataCollector;
 
 class KlarnaPaymentMethodFilter extends DefaultPaymentFilterService
 {
-    public function filterPaymentMethods(PaymentMethodCollection $methodCollection, PaymentFilterContext $filterContext): PaymentMethodCollection
+    protected function additionalChecks(PaymentMethodCollection $methodCollection, PaymentFilterContext $filterContext): void
     {
-        $methodCollection = parent::filterPaymentMethods($methodCollection, $filterContext);
-
         if ($this->hasCustomProducts($filterContext)) {
-            $methodCollection = $this->removePaymentMethod($methodCollection);
+            throw new PaymentMethodNotAllowedException('PAYONE does not support custom products within Klarna payments');
         }
-
-        return $methodCollection;
     }
 
     private function hasCustomProducts(PaymentFilterContext $filterContext): bool
diff --git a/src/Components/PaymentFilter/PayoneBNPLPaymentMethodFilter.php b/src/Components/PaymentFilter/PayoneBNPLPaymentMethodFilter.php
index fdbb85d5c..21f9a60ca 100644
--- a/src/Components/PaymentFilter/PayoneBNPLPaymentMethodFilter.php
+++ b/src/Components/PaymentFilter/PayoneBNPLPaymentMethodFilter.php
@@ -4,6 +4,7 @@
 
 namespace PayonePayment\Components\PaymentFilter;
 
+use PayonePayment\Components\PaymentFilter\Exception\PaymentMethodNotAllowedException;
 use PayonePayment\Core\Utils\AddressCompare;
 use Shopware\Core\Checkout\Customer\Aggregate\CustomerAddress\CustomerAddressEntity;
 use Shopware\Core\Checkout\Order\Aggregate\OrderAddress\OrderAddressEntity;
@@ -11,24 +12,19 @@
 
 class PayoneBNPLPaymentMethodFilter extends DefaultPaymentFilterService
 {
-    public function filterPaymentMethods(PaymentMethodCollection $methodCollection, PaymentFilterContext $filterContext): PaymentMethodCollection
+    protected function additionalChecks(PaymentMethodCollection $methodCollection, PaymentFilterContext $filterContext): void
     {
-        $methodCollection = parent::filterPaymentMethods($methodCollection, $filterContext);
-
         $billingAddress = $filterContext->getBillingAddress();
         $shippingAddress = $filterContext->getShippingAddress();
 
-        // Different billing and shipping addresses are not allowed for secured invoice
         if ($billingAddress instanceof OrderAddressEntity
             && $shippingAddress instanceof OrderAddressEntity
             && !AddressCompare::areOrderAddressesIdentical($billingAddress, $shippingAddress)) {
-            $methodCollection = $this->removePaymentMethod($methodCollection);
+            throw new PaymentMethodNotAllowedException('Different billing and shipping addresses are not allowed for secured invoice');
         } elseif ($billingAddress instanceof CustomerAddressEntity
             && $shippingAddress instanceof CustomerAddressEntity
             && !AddressCompare::areCustomerAddressesIdentical($billingAddress, $shippingAddress)) {
-            $methodCollection = $this->removePaymentMethod($methodCollection);
+            throw new PaymentMethodNotAllowedException('Different billing and shipping addresses are not allowed for secured invoice');
         }
-
-        return $methodCollection;
     }
 }