diff --git a/changelog/fix-issue-7607 b/changelog/fix-issue-7607
new file mode 100644
index 00000000000..2ece346eca0
--- /dev/null
+++ b/changelog/fix-issue-7607
@@ -0,0 +1,4 @@
+Significance: minor
+Type: fix
+
+Allow customers using express payment methods (eg Apple Pay, Google Pay) to create an account automatically when purchasing subscription products if the store settings allow.
diff --git a/includes/class-wc-payments-payment-request-button-handler.php b/includes/class-wc-payments-payment-request-button-handler.php
index 99a193ec303..414ce0fca37 100644
--- a/includes/class-wc-payments-payment-request-button-handler.php
+++ b/includes/class-wc-payments-payment-request-button-handler.php
@@ -118,10 +118,17 @@ public function is_authentication_required() {
 	 * @return bool
 	 */
 	public function is_account_creation_possible() {
+		$is_signup_from_checkout_allowed = 'yes' === get_option( 'woocommerce_enable_signup_and_login_from_checkout', 'no' );
+
+		// If a subscription is being purchased, check if account creation is allowed for subscriptions.
+		if ( ! $is_signup_from_checkout_allowed && $this->has_subscription_product() ) {
+			$is_signup_from_checkout_allowed = 'yes' === get_option( 'woocommerce_enable_signup_from_checkout_for_subscriptions', 'no' );
+		}
+
 		// If automatically generate username/password are disabled, the Payment Request API
 		// can't include any of those fields, so account creation is not possible.
 		return (
-			'yes' === get_option( 'woocommerce_enable_signup_and_login_from_checkout', 'no' ) &&
+			$is_signup_from_checkout_allowed &&
 			'yes' === get_option( 'woocommerce_registration_generate_username', 'yes' ) &&
 			'yes' === get_option( 'woocommerce_registration_generate_password', 'yes' )
 		);
@@ -620,11 +627,8 @@ public function has_subscription_product() {
 				return true;
 			}
 		} elseif ( $this->is_checkout() || $this->is_cart() ) {
-			foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
-				$_product = apply_filters( 'woocommerce_cart_item_product', $cart_item['data'], $cart_item, $cart_item_key );
-				if ( WC_Subscriptions_Product::is_subscription( $_product ) ) {
-					return true;
-				}
+			if ( WC_Subscriptions_Cart::cart_contains_subscription() ) {
+				return true;
 			}
 		}
 
diff --git a/psalm-baseline.xml b/psalm-baseline.xml
index 07c08ef26c9..ecb5ea1088e 100644
--- a/psalm-baseline.xml
+++ b/psalm-baseline.xml
@@ -25,10 +25,12 @@
     </UndefinedClass>
   </file>
   <file src="includes/class-wc-payments-payment-request-button-handler.php">
-    <UndefinedClass occurrences="3">
+    <UndefinedClass occurrences="4">
       <code>WC_Pre_Orders_Product</code>
       <code>WC_Subscriptions_Product</code>
       <code>WC_Subscriptions_Product</code>
+      <code>WC_Subscriptions_Cart</code>
+      <code>WC_Subscriptions_Cart</code>
     </UndefinedClass>
   </file>
   <file src="includes/class-wc-payments.php">