Index: modules/in-commerce/units/orders/orders_tag_processor.php
===================================================================
--- modules/in-commerce/units/orders/orders_tag_processor.php
+++ modules/in-commerce/units/orders/orders_tag_processor.php
@@ -516,29 +516,45 @@
 		}
 
 		/**
-		 * Returns true in case if credit card was used as payment type for order
+		 * Returns true in case if credit card was used as payment type for order.
 		 *
-		 * @param Array $params
-		 * @return bool
+		 * @param array $params Tag params.
+		 *
+		 * @return boolean
+		 * @throws Exception When payment type not found.
 		 */
-		function UsingCreditCard($params)
+		protected function UsingCreditCard(array $params)
 		{
-			$object = $this->getObject($params);
+			static $payment_types, $primary_payment_type;
 
-			$pt = $object->GetDBField('PaymentType');
+			if ( !isset($payment_types) ) {
+				$pt_table = $this->Application->getUnitOption('pt', 'TableName');
+				$sql = 'SELECT g.RequireCCFields, pt.PaymentTypeId
+					FROM ' . $pt_table . ' pt
+					JOIN ' . TABLE_PREFIX . 'Gateways g ON g.GatewayId = pt.GatewayId';
 
-			if (!$pt) {
-				$pt = $this->Conn->GetOne('SELECT PaymentTypeId FROM '.TABLE_PREFIX.'PaymentTypes WHERE IsPrimary = 1');
-				$object->SetDBField('PaymentType', $pt);
+				$payment_types = $this->Conn->GetCol($sql, 'PaymentTypeId');
 			}
 
-			$pt_table = $this->Application->getUnitOption('pt','TableName');
-			$sql = 'SELECT GatewayId FROM %s WHERE PaymentTypeId = %s';
-			$gw_id = $this->Conn->GetOne( sprintf( $sql, $pt_table, $pt ) );
+			/** @var kDBItem $object */
+			$object = $this->getObject($params);
+			$payment_type = $object->GetDBField('PaymentType');
+
+			if ( !$payment_type ) {
+				if ( !isset($primary_payment_type) ) {
+					$sql = 'SELECT PaymentTypeId FROM ' . $pt_table . ' WHERE IsPrimary = 1';
+					$primary_payment_type = $this->Conn->GetOne($sql);
+				}
 
-			$sql = 'SELECT RequireCCFields FROM %s WHERE GatewayId = %s';
+				$payment_type = $primary_payment_type;
+				$object->SetDBField('PaymentType', $payment_type);
+			}
+
+			if ( !isset($payment_types[$payment_type]) ) {
+				throw new Exception('Unknown payment type: ' . $payment_type);
+			}
 
-			return $this->Conn->GetOne( sprintf($sql, TABLE_PREFIX.'Gateways', $gw_id) );
+			return $payment_types[$payment_type];
 		}
 
 		function PaymentTypeDescription($params)
@@ -1650,4 +1666,4 @@
 
 			return true;
 		}
-	}
\ No newline at end of file
+	}