diff --git a/backend/internal/modules/payment/handler.go b/backend/internal/modules/payment/handler.go
index 735dc27..c270769 100644
--- a/backend/internal/modules/payment/handler.go
+++ b/backend/internal/modules/payment/handler.go
@@ -12,6 +12,7 @@ import (
 	"hfb_sys/backend/internal/integrations/payment/shuncheng"
 	"hfb_sys/backend/internal/middleware"
 	"hfb_sys/backend/internal/modules/order"
+	"hfb_sys/backend/internal/modules/paymentconfig"
 	"hfb_sys/backend/pkg/response"
 
 	"github.com/gin-gonic/gin"
@@ -316,6 +317,13 @@ func writePaymentError(c *gin.Context, err error) {
 		response.ServiceUnavailable(c, "数据库未连接")
 	case errors.Is(err, ErrPaymentUnavailable):
 		response.Error(c, http.StatusBadGateway, "payment_unavailable", "支付渠道暂不可用")
+	case errors.Is(err, paymentconfig.ErrNoActiveConfigFound):
+		response.Error(
+			c,
+			http.StatusServiceUnavailable,
+			"payment_channel_missing",
+			"尚未配置可用的支付渠道，请在后台「支付配置」启用渠道；本地联调可使用 Mock 渠道",
+		)
 	case errors.Is(err, ErrPaymentCannotStart), errors.Is(err, order.ErrOrderCannotPay):
 		response.Error(c, http.StatusConflict, "payment_cannot_start", "当前订单不能支付")
 	case errors.Is(err, ErrRefundCannotStart):
diff --git a/backend/scripts/seed_mock_payment.sql b/backend/scripts/seed_mock_payment.sql
new file mode 100644
index 0000000..5e0fedc
--- /dev/null
+++ b/backend/scripts/seed_mock_payment.sql
@@ -0,0 +1,13 @@
+-- 本地/测试环境 Mock 支付渠道。
+-- 执行后，发布页发起支付会直接按「已支付」处理，便于联调订单、交接和结算。
+-- 生产环境不要执行本脚本。
+DELETE FROM payment_merchant_configs WHERE provider = 'mock';
+
+INSERT INTO payment_merchant_configs
+  (name, provider, merchant_id, gateway_url, sign_key, notify_key, notify_url, jump_url,
+   pay_way, jspay_flag, sign_type, is_default, status, environment)
+VALUES
+  ('Mock 支付 · 微信', 'mock', 'MOCK_WXZF', '', NULL, NULL, '', '',
+   'WXZF', '2', 'MD5', 1, 'active', 'sandbox'),
+  ('Mock 支付 · 支付宝', 'mock', 'MOCK_ZFBZF', '', NULL, NULL, '', '',
+   'ZFBZF', '2', 'MD5', 1, 'active', 'sandbox');
diff --git a/frontend/src/features/admin/AdminPaymentConfigsPage.tsx b/frontend/src/features/admin/AdminPaymentConfigsPage.tsx
index 4195c31..bb3b239 100644
--- a/frontend/src/features/admin/AdminPaymentConfigsPage.tsx
+++ b/frontend/src/features/admin/AdminPaymentConfigsPage.tsx
@@ -102,6 +102,7 @@ export function AdminPaymentConfigsPage() {
   const { message, modal } = App.useApp()
   const queryClient = useQueryClient()
   const [form] = Form.useForm<ConfigFormValues>()
+  const providerValue = Form.useWatch('provider', form)
   const [draft, setDraft] = useState<AdminPaymentConfigQuery>({})
   const [filters, setFilters] = useState<AdminPaymentConfigQuery>({})
   const [page, setPage] = useState(1)
@@ -537,6 +538,15 @@ export function AdminPaymentConfigsPage() {
               : '乐刷/拉卡拉/顺诚需要完整密钥与回调地址；创建前请确认商户环境。'
           }
         />
+        {providerValue === 'mock' ? (
+          <Alert
+            type="info"
+            showIcon
+            className="admin-table-alert"
+            message="Mock 渠道仅用于联调"
+            description="无需网关、密钥和回调地址；用户发起支付后会直接标记为已支付，请勿在生产环境启用。"
+          />
+        ) : null}
         <Form<ConfigFormValues> form={form} layout="vertical" disabled={submitting}>
           <Row gutter={16}>
             <Col span={12}>