ZeroTotal.php

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<?php
namespace Magento\Payment\Model\Checks;

use Magento\Payment\Model\MethodInterface;
use Magento\Quote\Model\Quote;

class ZeroTotal implements SpecificationInterface
{
    public function isApplicable(MethodInterface $paymentMethod, Quote $quote)
    {
        return !($quote->getBaseGrandTotal() < 0.0001 && $paymentMethod->getCode() != 'free');
    }
}