diff --git a/packages/nuxt/src/app/composables/payload.ts b/packages/nuxt/src/app/composables/payload.ts
index e06a1cb7aa..2d56d22ad5 100644
--- a/packages/nuxt/src/app/composables/payload.ts
+++ b/packages/nuxt/src/app/composables/payload.ts
@@ -37,13 +37,13 @@ export function preloadPayload (url: string, opts: LoadPayloadOptions = {}) {
 // --- Internal ---
 
 function _getPayloadURL (url: string, opts: LoadPayloadOptions = {}) {
-  if (hasProtocol(url, true)) {
-    throw new Error('Payload URL must not include hostname: ' + url)
-  }
   const u = new URL(url, 'http://localhost')
   if (u.search) {
     throw new Error('Payload URL cannot contain search params: ' + url)
   }
+  if (u.host !== 'localhost' || hasProtocol(url, true)) {
+    throw new Error('Payload URL must not include hostname: ' + url)
+  }
   const hash = opts.hash || (opts.fresh ? Date.now() : '')
   return joinURL(useRuntimeConfig().app.baseURL, u.pathname, hash ? `_payload.${hash}.js` : '_payload.js')
 }