diff --git a/setup.md b/setup.md
index 57400af..61cbaad 100644
--- a/setup.md
+++ b/setup.md
@@ -166,7 +166,7 @@ Here is configuration guidance for specific goals. Travel and financial goals ha
 * Requires a Stripe key for the `create_invoice` tool. Set this in the `STRIPE_API_KEY` environment variable in .env
     * It's free to sign up and get a key at [Stripe](https://stripe.com/)
         * Set permissions for read-write on: `Credit Notes, Invoices, Customers and Customer Sessions`
-    * If you're lazy go to `tools/create_invoice.py` and replace the `create_invoice` function with the mock `create_invoice_example` that exists in the same file.
+    * If you don't have a Stripe key, comment out the STRIPE_API_KEY in the .env file, and a dummy invoice will be created rather than a Stripe invoice. The function can be found in `tools/create_invoice.py`
 
 ### Goal: Find a Premier League match, book train tickets to it and invoice the user for the cost (Replay 2025 Keynote)
 - `AGENT_GOAL=goal_match_train_invoice` - Focuses on Premier League match attendance with train booking and invoice generation
@@ -252,4 +252,4 @@ For more details, check out [adding goals and tools guide](./adding-goals-and-to
 [  ] `cd frontend`, `npm install`, `npx vite` <br />
 [ ] Access the UI at `http://localhost:5173` <br />
 
-And that's it! Happy AI Agent Exploring!
\ No newline at end of file
+And that's it! Happy AI Agent Exploring!
diff --git a/tools/create_invoice.py b/tools/create_invoice.py
index 9fcd1aa..3084845 100644
--- a/tools/create_invoice.py
+++ b/tools/create_invoice.py
@@ -27,7 +27,7 @@ def ensure_customer_exists(
 def create_invoice(args: dict) -> dict:
     """Create and finalize a Stripe invoice."""
     # If an API key exists in the env file, find or create customer
-    if stripe.api_key is not None:
+    if stripe.api_key is not None and stripe.api_key != "":
         customer_id = ensure_customer_exists(
             args.get("customer_id"), args.get("email", "default@example.com")
         )
@@ -69,15 +69,3 @@ def create_invoice(args: dict) -> dict:
             "invoiceURL": "https://pay.example.com/invoice/12345",
             "reference": "INV-12345",
         }
-
-def create_invoice_example(args: dict) -> dict:
-    """
-    This is an example implementation of the CreateInvoice tool
-    Doesn't call any external services, just returns a dummy response
-    """
-    print("[CreateInvoice] Creating invoice with:", args)
-    return {
-        "invoiceStatus": "generated",
-        "invoiceURL": "https://pay.example.com/invoice/12345",
-        "reference": "INV-12345",
-    }