diff --git a/backend/internal/modules/wallet/repository.go b/backend/internal/modules/wallet/repository.go
index cb053f7..8000749 100644
--- a/backend/internal/modules/wallet/repository.go
+++ b/backend/internal/modules/wallet/repository.go
@@ -168,7 +168,7 @@ func (r *Repository) AdminLedger(query AdminLedgerQuery) (*PaginatedResult, erro
 	}
 
 	offset := (query.Page - 1) * query.PageSize
-	var items []AdminLedgerDTO
+	items := make([]AdminLedgerDTO, 0, query.PageSize)
 	if err := db.Order("wl.id DESC").Offset(offset).Limit(query.PageSize).Scan(&items).Error; err != nil {
 		return nil, err
 	}
diff --git a/backend/migrations/000001_init.sql b/backend/migrations/000001_init.sql
index 53fdd2c..a6fc799 100644
--- a/backend/migrations/000001_init.sql
+++ b/backend/migrations/000001_init.sql
@@ -250,6 +250,52 @@ CREATE TABLE IF NOT EXISTS payment_orders (
   KEY idx_payment_orders_status (status)
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='支付订单表';
 
+-- 支付商户配置表：支持多商户、多渠道支付配置
+CREATE TABLE IF NOT EXISTS payment_merchant_configs (
+  id BIGINT UNSIGNED PRIMARY KEY AUTO_INCREMENT,
+  name VARCHAR(128) NOT NULL COMMENT '商户配置名称（用于识别）',
+  provider VARCHAR(32) NOT NULL COMMENT '支付服务商: leshua乐刷, alipay支付宝, wechat微信, mock模拟',
+  merchant_id VARCHAR(128) NOT NULL COMMENT '商户号',
+  gateway_url VARCHAR(512) NOT NULL DEFAULT '' COMMENT '支付网关地址',
+  sign_key VARCHAR(512) NOT NULL DEFAULT '' COMMENT '签名密钥（加密存储）',
+  notify_key VARCHAR(512) NOT NULL DEFAULT '' COMMENT '通知验签密钥（加密存储）',
+  notify_url VARCHAR(512) NOT NULL DEFAULT '' COMMENT '异步通知回调地址',
+  jump_url VARCHAR(512) NOT NULL DEFAULT '' COMMENT '支付完成跳转地址',
+  pay_way VARCHAR(32) NOT NULL DEFAULT 'ZFBZF' COMMENT '支付方式: ZFBZF支付宝, WXZF微信',
+  jspay_flag VARCHAR(8) NOT NULL DEFAULT '2' COMMENT 'JS支付标识: 1 H5, 2 小程序',
+  sign_type VARCHAR(16) NOT NULL DEFAULT 'MD5' COMMENT '签名类型: MD5, SHA256',
+  extra_config JSON NULL COMMENT '扩展配置（JSON格式）',
+  is_default TINYINT(1) NOT NULL DEFAULT 0 COMMENT '是否默认商户: 0否, 1是（每个provider只能有一个默认）',
+  status VARCHAR(32) NOT NULL DEFAULT 'active' COMMENT '状态: active启用, disabled禁用, testing测试中',
+  environment VARCHAR(16) NOT NULL DEFAULT 'production' COMMENT '环境: production生产, sandbox测试',
+  business_tags JSON NULL COMMENT '业务场景标签，如 ["order_pay", "wallet_recharge"]',
+  total_transactions BIGINT NOT NULL DEFAULT 0 COMMENT '总交易笔数',
+  total_amount_cent BIGINT NOT NULL DEFAULT 0 COMMENT '总交易金额（分）',
+  last_used_at DATETIME NULL COMMENT '最后使用时间',
+  created_by BIGINT UNSIGNED NULL COMMENT '创建人（管理员ID）',
+  updated_by BIGINT UNSIGNED NULL COMMENT '最后更新人（管理员ID）',
+  created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
+  KEY idx_payment_merchant_configs_provider (provider, status),
+  KEY idx_payment_merchant_configs_default (provider, is_default),
+  KEY idx_payment_merchant_configs_merchant_id (merchant_id),
+  KEY idx_payment_merchant_configs_status (status)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='支付商户配置表';
+
+-- 支付配置使用日志：用于追踪支付配置命中情况
+CREATE TABLE IF NOT EXISTS payment_config_usage_logs (
+  id BIGINT UNSIGNED PRIMARY KEY AUTO_INCREMENT,
+  config_id BIGINT UNSIGNED NOT NULL COMMENT '商户配置ID',
+  payment_order_id BIGINT UNSIGNED NOT NULL COMMENT '支付订单ID',
+  provider VARCHAR(32) NOT NULL COMMENT '支付服务商',
+  merchant_id VARCHAR(128) NOT NULL COMMENT '商户号',
+  amount_cent BIGINT NOT NULL COMMENT '交易金额（分）',
+  biz_type VARCHAR(32) NOT NULL COMMENT '业务类型',
+  created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  KEY idx_payment_config_usage_logs_config (config_id, created_at),
+  KEY idx_payment_config_usage_logs_payment (payment_order_id)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='支付配置使用日志';
+
 -- -------------------------------------------
 -- 纠纷和通知表
 -- -------------------------------------------
@@ -515,6 +561,17 @@ INSERT INTO permissions (code, name, resource, action) VALUES
 ('chat:view',             '查看客服群聊',     'chat',           'view'),
 ('chat:send',             '发送客服消息',     'chat',           'send'),
 ('wallet:view',           '查看资金流水',     'wallet',         'view'),
+('wallet:admin_ledger',   '查看资金流水',     'wallet',         'admin_ledger'),
+('withdrawal:list',       '查看提现列表',     'withdrawal',     'list'),
+('withdrawal:review',     '审核提现',         'withdrawal',     'review'),
+('withdrawal:pay',        '确认打款',         'withdrawal',     'pay'),
+('withdrawal:detail',     '查看提现详情',     'withdrawal',     'detail'),
+('withdrawal:approve',    '提现审核',         'withdrawal',     'approve'),
+('payment_config:list',   '查看支付配置',     'payment_config', 'list'),
+('payment_config:create', '创建支付配置',     'payment_config', 'create'),
+('payment_config:update', '更新支付配置',     'payment_config', 'update'),
+('payment_config:delete', '删除支付配置',     'payment_config', 'delete'),
+('payment_config:view_secret', '查看支付密钥', 'payment_config', 'view_secret'),
 ('admin_user:manage',     '管理员管理',       'admin_user',     'manage'),
 ('role:manage',           '角色管理',         'role',           'manage'),
 ('system_config:view',    '查看系统配置',     'system_config',  'view'),
@@ -557,7 +614,19 @@ WHERE r.code = 'ops' AND p.code IN ('dashboard:view', 'user:view', 'user:freeze'
 -- finance 角色权限
 INSERT IGNORE INTO role_permissions (role_id, permission_id)
 SELECT r.id, p.id FROM roles r, permissions p
-WHERE r.code = 'finance' AND p.code IN ('dashboard:view', 'wallet:view', 'order:view');
+WHERE r.code = 'finance' AND p.code IN (
+  'dashboard:view',
+  'wallet:view',
+  'wallet:admin_ledger',
+  'order:view',
+  'withdrawal:list',
+  'withdrawal:review',
+  'withdrawal:pay',
+  'withdrawal:detail',
+  'withdrawal:approve',
+  'payment_config:list',
+  'payment_config:view_secret'
+);
 
 -- -------------------------------------------
 -- 管理员账号初始化
@@ -766,25 +835,26 @@ CREATE TABLE IF NOT EXISTS withdrawal_requests (
   KEY idx_withdrawal_requests_created (created_at DESC)
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='提现申请表';
 
--- -------------------------------------------
--- 提现相关权限
--- -------------------------------------------
+-- 确保超级管理员包含所有已初始化权限
+INSERT IGNORE INTO role_permissions (role_id, permission_id)
+SELECT r.id, p.id FROM roles r
+CROSS JOIN permissions p
+WHERE r.code = 'super_admin';
 
--- 添加提现相关权限
-INSERT IGNORE INTO permissions (code, name, resource, action) VALUES
-('withdrawal:list', '查看提现列表', 'withdrawal', 'list'),
-('withdrawal:review', '审核提现', 'withdrawal', 'review'),
-('withdrawal:pay', '确认打款', 'withdrawal', 'pay'),
-('withdrawal:detail', '查看提现详情', 'withdrawal', 'detail'),
-('withdrawal:approve', '提现审核', 'withdrawal', 'approve'),
-('wallet:admin_ledger', '查看资金流水', 'wallet', 'admin_ledger');
-
--- 关联提现权限到财务角色
+-- 确保财务角色包含提现和支付配置权限
 INSERT IGNORE INTO role_permissions (role_id, permission_id)
 SELECT r.id, p.id FROM roles r, permissions p
-WHERE r.code = 'finance' AND p.code IN ('withdrawal:list', 'withdrawal:review', 'withdrawal:pay', 'withdrawal:detail', 'withdrawal:approve', 'wallet:admin_ledger');
+WHERE r.code = 'finance' AND p.code IN (
+  'withdrawal:list',
+  'withdrawal:review',
+  'withdrawal:pay',
+  'withdrawal:detail',
+  'withdrawal:approve',
+  'wallet:admin_ledger',
+  'payment_config:list',
+  'payment_config:view_secret'
+);
 
 -- ============================================
 -- 数据库初始化完成
 -- ============================================
-
diff --git a/frontend/src/features/admin/api/adminWallet.ts b/frontend/src/features/admin/api/adminWallet.ts
index 9c6e466..a3f3390 100644
--- a/frontend/src/features/admin/api/adminWallet.ts
+++ b/frontend/src/features/admin/api/adminWallet.ts
@@ -32,5 +32,11 @@ export interface AdminWalletLedgerQuery {
 export async function fetchAdminWalletLedger(query: AdminWalletLedgerQuery = {}) {
   const params = Object.fromEntries(Object.entries(query).filter(([, value]) => value !== '' && value !== undefined))
   const { data } = await apiClient.get<ApiResponse<PaginatedResult<AdminWalletLedger>>>('/admin/wallet/ledger', { params })
-  return data.data
+  const result = data.data
+  return {
+    items: Array.isArray(result?.items) ? result.items : [],
+    total: Number(result?.total ?? 0),
+    page: Number(result?.page ?? query.page ?? 1),
+    page_size: Number(result?.page_size ?? query.page_size ?? 20),
+  }
 }
diff --git a/frontend/src/features/admin/views/AdminWalletLedgerView.vue b/frontend/src/features/admin/views/AdminWalletLedgerView.vue
index bdbd35e..516379f 100644
--- a/frontend/src/features/admin/views/AdminWalletLedgerView.vue
+++ b/frontend/src/features/admin/views/AdminWalletLedgerView.vue
@@ -36,8 +36,12 @@ async function loadLedger() {
       page_size: currentPageSize.value,
     }
     const result = await fetchAdminWalletLedger(query)
-    ledger.value = result.items
-    total.value = result.total
+    const rows = Array.isArray(result.items) ? result.items : []
+    ledger.value = rows
+    total.value = Number(result.total ?? rows.length)
+  } catch {
+    ledger.value = []
+    total.value = 0
   } finally {
     loading.value = false
   }