diff --git a/packages/core/utils/src/modules-sdk/__tests__/load-database-config.spec.ts b/packages/core/utils/src/modules-sdk/__tests__/load-database-config.spec.ts
index ae59dff6dc..3768f4be0f 100644
--- a/packages/core/utils/src/modules-sdk/__tests__/load-database-config.spec.ts
+++ b/packages/core/utils/src/modules-sdk/__tests__/load-database-config.spec.ts
@@ -111,6 +111,28 @@ describe("loadDatabaseConfig", function () {
     })
   })
 
+  it("should return the local configuration using the options", function () {
+    process.env.POSTGRES_URL = "postgres://localhost:5432/medusa"
+    const options = {
+      database: {
+        clientUrl: "postgres://127.0.0.1:5432/medusa-test",
+      },
+    }
+
+    let config = loadDatabaseConfig("product", options)
+
+    expect(config).toEqual({
+      clientUrl: options.database.clientUrl,
+      driverOptions: {
+        connection: {
+          ssl: false,
+        },
+      },
+      debug: false,
+      schema: "",
+    })
+  })
+
   it("should return the remote configuration using the options", function () {
     process.env.POSTGRES_URL = "postgres://localhost:5432/medusa"
     const options = {
@@ -135,6 +157,52 @@ describe("loadDatabaseConfig", function () {
     })
   })
 
+  it("should return the local configuration using the client url ssl_mode=disable", function () {
+    process.env.POSTGRES_URL = "postgres://localhost:5432/medusa"
+    const options = {
+      database: {
+        clientUrl:
+          "postgres://https://test.com:5432/medusa-test?ssl_mode=disable",
+      },
+    }
+
+    let config = loadDatabaseConfig("product", options)
+
+    expect(config).toEqual({
+      clientUrl: options.database.clientUrl,
+      driverOptions: {
+        connection: {
+          ssl: false,
+        },
+      },
+      debug: false,
+      schema: "",
+    })
+  })
+
+  it("should return the remote configuration using the client url ssl_mode=false", function () {
+    process.env.POSTGRES_URL = "postgres://localhost:5432/medusa"
+    const options = {
+      database: {
+        clientUrl:
+          "postgres://https://test.com:5432/medusa-test?ssl_mode=disable",
+      },
+    }
+
+    let config = loadDatabaseConfig("product", options)
+
+    expect(config).toEqual({
+      clientUrl: options.database.clientUrl,
+      driverOptions: {
+        connection: {
+          ssl: false,
+        },
+      },
+      debug: false,
+      schema: "",
+    })
+  })
+
   it("should throw if no clientUrl is provided", function () {
     let error
     try {
diff --git a/packages/core/utils/src/modules-sdk/load-module-database-config.ts b/packages/core/utils/src/modules-sdk/load-module-database-config.ts
index b92defb173..6f1af15c01 100644
--- a/packages/core/utils/src/modules-sdk/load-module-database-config.ts
+++ b/packages/core/utils/src/modules-sdk/load-module-database-config.ts
@@ -31,7 +31,9 @@ function getDefaultDriverOptions(clientUrl: string) {
   }
 
   if (clientUrl) {
-    return clientUrl.match(/localhost/i) ? localOptions : remoteOptions
+    return clientUrl.match(/localhost|127\.0\.0\.1|ssl_mode=(disable|false)/i)
+      ? localOptions
+      : remoteOptions
   }
 
   return process.env.NODE_ENV?.match(/prod/i)