payment_methods#create (ArgumentError) "SMTP To address may not be blank: []"

An ArgumentError occurred in payment_methods#create:

 SMTP To address may not be blank: []
 app/controllers/payment_methods_controller.rb:15:in `create'


-------------------------------
Request:
-------------------------------

 * URL        : https://bikelink.org/people/57328/payment_methods
 * HTTP Method: POST
 * IP address : 73.189.130.173
 * Parameters : {"authenticity_token"=>"B5Z9DtMZpIgDyVR8Lyd9HbWJD9RHCRULplVbltSQzfMYbwpHRP3zKeeU2vBSP7iFsdOgXh7h9bgpobmiPOno/A==", "hashed_credit_card_number"=>"[FILTERED]", "hashed_credit_card_number_salt"=>"[FILTERED]", "redirect_link"=>"/people/57328/online_account", "cancel_link"=>"/people/57328/online_account", "header_view"=>"person", "person"=>{"first_name"=>"Donald", "last_name"=>"Kinney", "street_address"=>"355 Eucalyptus Avenue", "city"=>"Petaluma", "state_id"=>"6", "postal_code"=>"94952", "country_id"=>"231"}, "payment_method_nonce"=>"tokencc_bd_zp54ww_9pcgmt_6mq4qy_g34w5m_kqy", "device_data"=>"{\"device_session_id\":\"c58e4c7d526b478ade7162a765a76a75\"}", "controller"=>"payment_methods", "action"=>"create", "person_id"=>"57328"}
 * Timestamp  : 2022-09-24 03:07:50 UTC
 * Server : www-5.internal.bikelink.org
   * Rails root : /var/www/bikelink
 * Process: 19075

-------------------------------
Session:
-------------------------------

 * session id: [FILTERED]
 * data: {"session_id"=>"43e05d8ebe81a269ed560942c4d14d7e",
  "warden.user.person.key"=>[[57328], "TB-yM_x2XFWC6P44_sqo"],
  "_csrf_token"=>"05P6fk1YYXt+NGvrCsQJYOPI/ZdXBhtNZ8c1HNItYT8="}

-------------------------------
Backtrace:
-------------------------------

 app/controllers/payment_methods_controller.rb:15:in `create'
 app/controllers/application_controller.rb:44:in `process_action
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