支持微信支付宝独立支付渠道

backend/internal/model/payment.go

@@ -12,6 +12,7 @@ type PaymentOrder struct {
 	OrderID         uint64         `gorm:"not null;index" json:"order_id"`
 	OrderNo         string         `gorm:"size:64;not null;index" json:"order_no"`
 	UserID          uint64         `gorm:"not null;index" json:"user_id"`
+	PaymentConfigID uint64         `gorm:"not null;default:0;index" json:"payment_config_id"`
 	Provider        string         `gorm:"size:32;not null" json:"provider"`
 	MerchantID      string         `gorm:"size:32;not null;default:''" json:"merchant_id"`
 	ThirdOrderID    string         `gorm:"size:64;not null;uniqueIndex" json:"third_order_id"`

backend/internal/model/payment_merchant_config.go

@@ -17,7 +17,7 @@ type PaymentMerchantConfig struct {
 	NotifyKey    string    `gorm:"type:text" json:"notify_key"` // 加密存储，拉卡拉使用通知验签证书 PEM
 	NotifyURL    string    `gorm:"size:512;not null;default:''" json:"notify_url"`
 	JumpURL      string    `gorm:"size:512;not null;default:''" json:"jump_url"`
-	PayWay       string    `gorm:"size:32;not null;default:'ZFBZF'" json:"pay_way"`
+	PayWay       string    `gorm:"size:32;not null;default:'ZFBZF';index:idx_payment_merchant_configs_pay_way" json:"pay_way"`
 	JSPayFlag    string    `gorm:"column:jspay_flag;size:8;not null;default:'2'" json:"jspay_flag"`
 	SignType     string    `gorm:"size:32;not null;default:'MD5'" json:"sign_type"`
 	ExtraConfig  JSONMap   `gorm:"type:json" json:"extra_config"`

backend/internal/modules/payment/dto.go

@@ -16,6 +16,7 @@ type PaymentDTO struct {
 	PaymentNo       string     `json:"payment_no"`
 	OrderID         uint64     `json:"order_id"`
 	OrderNo         string     `json:"order_no"`
+	PaymentConfigID uint64     `json:"payment_config_id"`
 	Provider        string     `json:"provider"`
 	ThirdOrderID    string     `json:"third_order_id"`
 	ProviderOrderID string     `json:"provider_order_id"`
@@ -75,6 +76,7 @@ type AdminPaymentDTO struct {
 	OrderID         uint64         `json:"order_id"`
 	OrderNo         string         `json:"order_no"`
 	UserID          uint64         `json:"user_id"`
+	PaymentConfigID uint64         `json:"payment_config_id"`
 	UserPhone       string         `json:"user_phone"`
 	Provider        string         `json:"provider"`
 	MerchantID      string         `json:"merchant_id"`

backend/internal/modules/payment/payment_start.go

@@ -11,8 +11,10 @@ import (
 	"time"
 )
 
+// Start 发起订单支付，并按请求支付方式选择对应默认渠道配置。
 func (r *Repository) Start(ctx context.Context, userID uint64, orderID uint64, req StartPaymentRequest, clientIP string) (*PaymentDTO, error) {
-	defaultConfig, err := r.defaultRuntimeConfig(ctx)
+	req.PayWay = normalizePayWay(req.PayWay)
+	defaultConfig, err := r.defaultRuntimeConfig(ctx, req.PayWay)
 	if err != nil {
 		return nil, ErrPaymentUnavailable
 	}
@@ -103,6 +105,8 @@ func (r *Repository) Start(ctx context.Context, userID uint64, orderID uint64, r
 	dto := toDTO(*latest)
 	return &dto, nil
 }
+
+// preparePayment 创建或复用订单支付单，并写入本次命中的支付配置 ID。
 func (r *Repository) preparePayment(ctx context.Context, userID uint64, orderID uint64, req StartPaymentRequest, runtimeConfig runtimePaymentConfig) (*model.PaymentOrder, *model.RentalOrder, error) {
 	var paymentID uint64
 	var orderRow model.RentalOrder
@@ -130,6 +134,7 @@ func (r *Repository) preparePayment(ctx context.Context, userID uint64, orderID
 				existing.PayWay = firstNonEmpty(req.PayWay, existing.PayWay, runtimeConfig.PayWay, "ZFBZF")
 				existing.JSPayFlag = firstNonEmpty(req.JSPayFlag, existing.JSPayFlag, runtimeConfig.JSPayFlag, "2")
 				existing.AmountCent = amountCent
+				existing.PaymentConfigID = firstNonZero(existing.PaymentConfigID, runtimeConfig.ID)
 				existing.Provider = firstNonEmpty(existing.Provider, runtimeConfig.Provider)
 				existing.MerchantID = firstNonEmpty(existing.MerchantID, runtimeConfig.MerchantID)
 				if existing.Provider == "mock" && existing.ProviderOrderID == "" {
@@ -165,6 +170,8 @@ func (r *Repository) preparePayment(ctx context.Context, userID uint64, orderID
 	}
 	return payment, &orderRow, nil
 }
+
+// canReuseOrderPayment 判断旧支付单是否还能复用，支付方式或配置不同则必须重新下单。
 func canReuseOrderPayment(payment model.PaymentOrder, runtimeConfig runtimePaymentConfig) bool {
 	if payment.Status == "paid" {
 		return true
@@ -178,11 +185,19 @@ func canReuseOrderPayment(payment model.PaymentOrder, runtimeConfig runtimePayme
 	if payment.MerchantID != "" && runtimeConfig.MerchantID != "" && payment.MerchantID != runtimeConfig.MerchantID {
 		return false
 	}
+	if payment.PaymentConfigID != 0 && runtimeConfig.ID != 0 && payment.PaymentConfigID != runtimeConfig.ID {
+		return false
+	}
+	if payment.PayWay != "" && runtimeConfig.PayWay != "" && normalizePayWay(payment.PayWay) != normalizePayWay(runtimeConfig.PayWay) {
+		return false
+	}
 	if payment.Status == "paying" && paymentCashierExpired(payment) {
 		return false
 	}
 	return true
 }
+
+// paymentCashierExpired 判断渠道收银台是否已过期，过期后不再复用支付单。
 func paymentCashierExpired(payment model.PaymentOrder) bool {
 	if len(payment.RawRequest) == 0 {
 		return false
@@ -197,6 +212,8 @@ func paymentCashierExpired(payment model.PaymentOrder) bool {
 	}
 	return !timeutil.ShanghaiNow().Before(*deadline)
 }
+
+// newOrderPayment 创建新的订单支付单，并固化支付方式和支付配置 ID。
 func newOrderPayment(row model.RentalOrder, amountCent int64, req StartPaymentRequest, runtimeConfig runtimePaymentConfig) (model.PaymentOrder, error) {
 	paymentNo, err := newPaymentNo()
 	if err != nil {
@@ -207,6 +224,7 @@ func newOrderPayment(row model.RentalOrder, amountCent int64, req StartPaymentRe
 		OrderID:         row.ID,
 		OrderNo:         row.OrderNo,
 		UserID:          row.RenterID,
+		PaymentConfigID: runtimeConfig.ID,
 		Provider:        runtimeConfig.Provider,
 		MerchantID:      runtimeConfig.MerchantID,
 		ThirdOrderID:    paymentNo,
@@ -223,4 +241,3 @@ func newOrderPayment(row model.RentalOrder, amountCent int64, req StartPaymentRe
 	}
 	return payment, nil
 }
-

backend/internal/modules/payment/presenter.go

@@ -9,6 +9,7 @@ import (
 	"hfb_sys/backend/internal/model"
 	"hfb_sys/backend/internal/timeutil"
 	"math"
+	"strings"
 	"time"
 )
 
@@ -18,6 +19,7 @@ func toDTO(payment model.PaymentOrder) PaymentDTO {
 		PaymentNo:       payment.PaymentNo,
 		OrderID:         payment.OrderID,
 		OrderNo:         payment.OrderNo,
+		PaymentConfigID: payment.PaymentConfigID,
 		Provider:        payment.Provider,
 		ThirdOrderID:    payment.ThirdOrderID,
 		ProviderOrderID: payment.ProviderOrderID,
@@ -115,3 +117,25 @@ func firstNonEmpty(values ...string) string {
 	}
 	return ""
 }
+
+// firstNonZero 返回第一个非零 uint64，用于保留历史支付单已有配置 ID。
+func firstNonZero(values ...uint64) uint64 {
+	for _, value := range values {
+		if value != 0 {
+			return value
+		}
+	}
+	return 0
+}
+
+// normalizePayWay 将前端或渠道别名统一为系统内部支付方式编码。
+func normalizePayWay(value string) string {
+	switch strings.ToUpper(strings.TrimSpace(value)) {
+	case "", "ZFBZF", "ALIPAY", "ALIPAYPAY":
+		return "ZFBZF"
+	case "WXZF", "WECHAT", "WECHATPAY":
+		return "WXZF"
+	default:
+		return strings.ToUpper(strings.TrimSpace(value))
+	}
+}

backend/internal/modules/payment/query.go

@@ -104,6 +104,7 @@ func (row adminPaymentRow) toDTO() AdminPaymentDTO {
 		OrderID:         row.OrderID,
 		OrderNo:         row.OrderNo,
 		UserID:          row.UserID,
+		PaymentConfigID: row.PaymentConfigID,
 		UserPhone:       row.UserPhone,
 		Provider:        row.Provider,
 		MerchantID:      row.MerchantID,

backend/internal/modules/payment/refund.go

@@ -160,6 +160,8 @@ func (r *Repository) findOriginalPayment(ctx context.Context, orderID uint64) (m
 	}
 	return originalPayment, nil
 }
+
+// prepareRefundOrder 创建退款支付单，并继承原支付单回溯出的支付配置。
 func (r *Repository) prepareRefundOrder(ctx context.Context, originalPayment model.PaymentOrder, runtimeConfig runtimePaymentConfig, refundAmountCent int64, bizType string) (*model.PaymentOrder, bool, error) {
 	var paymentID uint64
 	existing := false
@@ -191,6 +193,7 @@ func (r *Repository) prepareRefundOrder(ctx context.Context, originalPayment mod
 			OrderID:         originalPayment.OrderID,
 			OrderNo:         originalPayment.OrderNo,
 			UserID:          originalPayment.UserID,
+			PaymentConfigID: runtimeConfig.ID,
 			Provider:        runtimeConfig.Provider,
 			MerchantID:      runtimeConfig.MerchantID,
 			ThirdOrderID:    merchantRefundID,

backend/internal/modules/payment/repository.go

@@ -50,6 +50,7 @@ func RefundBizTypes() []string {
 	return out
 }
 
+// NewRepository 创建支付仓库，注入支付配置仓库和订单仓库。
 func NewRepository(db *gorm.DB, configRepo *paymentconfig.Repository, orderRepo *order.Repository) *Repository {
 	return &Repository{
 		db:         db,
@@ -57,24 +58,47 @@ func NewRepository(db *gorm.DB, configRepo *paymentconfig.Repository, orderRepo
 		orderRepo:  orderRepo,
 	}
 }
+
+// isMockMode 判断当前运行时配置是否为模拟支付。
 func (c runtimePaymentConfig) isMockMode() bool {
 	return c.Provider == "mock"
 }
-func (r *Repository) defaultRuntimeConfig(ctx context.Context) (*runtimePaymentConfig, error) {
+
+// defaultRuntimeConfig 按支付方式获取默认启用配置，用于新支付单创建。
+func (r *Repository) defaultRuntimeConfig(ctx context.Context, payWay string) (*runtimePaymentConfig, error) {
 	if r.configRepo == nil {
 		return nil, ErrPaymentUnavailable
 	}
-	dto, err := r.configRepo.FindDefaultAny(ctx, true)
+	dto, err := r.configRepo.FindDefaultByPayWay(ctx, payWay, true)
 	if err != nil {
 		return nil, err
 	}
 	return runtimeConfigFromDTO(dto), nil
 }
+
+// runtimeConfigForPayment 回溯支付单当时命中的配置，优先使用 payment_config_id。
 func (r *Repository) runtimeConfigForPayment(ctx context.Context, payment *model.PaymentOrder) (*runtimePaymentConfig, error) {
 	provider := firstNonEmpty(payment.Provider, "mock")
 	merchantID := payment.MerchantID
+	payWay := normalizePayWay(payment.PayWay)
+	if r.configRepo != nil && payment.PaymentConfigID > 0 {
+		dto, err := r.configRepo.FindRuntimeByID(ctx, payment.PaymentConfigID, true)
+		if err == nil {
+			return runtimeConfigFromDTO(dto), nil
+		}
+		if err != paymentconfig.ErrConfigNotFound {
+			return nil, err
+		}
+	}
 	if r.configRepo != nil && merchantID != "" {
-		dto, err := r.configRepo.FindByProviderMerchant(ctx, provider, merchantID, true)
+		dto, err := r.configRepo.FindByProviderMerchantPayWay(ctx, provider, merchantID, payWay, true)
+		if err == nil {
+			return runtimeConfigFromDTO(dto), nil
+		}
+		if err != paymentconfig.ErrConfigNotFound {
+			return nil, err
+		}
+		dto, err = r.configRepo.FindByProviderMerchant(ctx, provider, merchantID, true)
 		if err == nil {
 			return runtimeConfigFromDTO(dto), nil
 		}
@@ -84,7 +108,7 @@ func (r *Repository) runtimeConfigForPayment(ctx context.Context, payment *model
 	}
 	if provider != "leshua" {
 		if provider == "lakala" && r.configRepo != nil {
-			dto, err := r.configRepo.FindDefaultByProvider(ctx, provider, true)
+			dto, err := r.configRepo.FindDefaultByProviderPayWay(ctx, provider, payWay, true)
 			if err != nil {
 				return nil, err
 			}
@@ -98,15 +122,17 @@ func (r *Repository) runtimeConfigForPayment(ctx context.Context, payment *model
 	if r.configRepo == nil {
 		return nil, ErrPaymentUnavailable
 	}
-	dto, err := r.configRepo.FindDefaultByProvider(ctx, provider, true)
+	dto, err := r.configRepo.FindDefaultByProviderPayWay(ctx, provider, payWay, true)
 	if err != nil {
 		return nil, err
 	}
 	return runtimeConfigFromDTO(dto), nil
 }
+
+// runtimeConfigFromDTO 将后台支付配置 DTO 转为支付运行时配置。
 func runtimeConfigFromDTO(dto *paymentconfig.ConfigDTO) *runtimePaymentConfig {
 	provider := firstNonEmpty(dto.Provider, "mock")
-	payWay := firstNonEmpty(dto.PayWay, "ZFBZF")
+	payWay := normalizePayWay(dto.PayWay)
 	jsPayFlag := firstNonEmpty(dto.JSPayFlag, "2")
 	client, err := buildChannelClient(dto)
 	if err != nil {
@@ -123,6 +149,8 @@ func runtimeConfigFromDTO(dto *paymentconfig.ConfigDTO) *runtimePaymentConfig {
 		Channel:    client,
 	}
 }
+
+// recordConfigUsage 记录支付配置命中情况，失败只写日志不影响主流程。
 func (r *Repository) recordConfigUsage(ctx context.Context, runtimeConfig *runtimePaymentConfig, payment *model.PaymentOrder) {
 	if r.configRepo == nil || runtimeConfig == nil || payment == nil || runtimeConfig.ID == 0 {
 		return

backend/internal/modules/paymentconfig/backup.go

@@ -50,9 +50,7 @@ func (r *Repository) ExportBackup(ctx context.Context, actorID uint64, meta Audi
 	return backup, nil
 }
 
-// ImportBackup 导入支付配置备份，按 provider + merchant_id 更新或新增。
+// ImportBackup 导入支付配置备份，按 provider + merchant_id + pay_way 更新或新增。
-
-// ImportBackup 导入支付配置备份，按 provider + merchant_id 更新或新增。
 func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, actorID uint64, meta AuditMeta) (*ImportBackupResult, error) {
 	if backup.Type != "payment_config_backup" || backup.Version <= 0 {
 		return nil, ErrInvalidBackup
@@ -61,21 +59,22 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 		return nil, ErrEmptyBackup
 	}
 
-	activeKey := backupActiveKey(backup.Configs)
+	activeKeys := backupActiveKeys(backup.Configs)
 	result := &ImportBackupResult{Total: len(backup.Configs)}
 
 	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
-		if activeKey != "" {
+		for payWay := range activeKeys {
-			if err := deactivateOtherConfigs(tx, 0, actorID); err != nil {
+			if err := deactivateOtherConfigs(tx, 0, actorID, payWay); err != nil {
 				return err
 			}
 		}
 
 		for _, cfg := range backup.Configs {
-			req := importCreateRequest(cfg, activeKey)
+			req := importCreateRequest(cfg, activeKeys)
 			if err := r.validateCreateRequest(req); err != nil {
 				return err
 			}
+			payWay := firstNonEmpty(req.PayWay, "ZFBZF")
 
 			encryptedSignKey, err := r.encryptor.Encrypt(req.SignKey)
 			if err != nil {
@@ -93,7 +92,7 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 				"notify_key":    encryptedNotifyKey,
 				"notify_url":    req.NotifyURL,
 				"jump_url":      req.JumpURL,
-				"pay_way":       firstNonEmpty(req.PayWay, "ZFBZF"),
+				"pay_way":       payWay,
 				"jspay_flag":    firstNonEmpty(req.JSPayFlag, "2"),
 				"sign_type":     firstNonEmpty(req.SignType, defaultSignType(req.Provider)),
 				"extra_config":  model.JSONMap(req.ExtraConfig),
@@ -106,7 +105,7 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 
 			var existing model.PaymentMerchantConfig
 			err = tx.Clauses(clause.Locking{Strength: "UPDATE"}).
-				Where("provider = ? AND merchant_id = ?", req.Provider, req.MerchantID).
+				Where("provider = ? AND merchant_id = ? AND pay_way = ?", req.Provider, req.MerchantID, payWay).
 				First(&existing).Error
 			if err == nil {
 				if err := tx.Model(&existing).Updates(updates).Error; err != nil {
@@ -129,7 +128,7 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 				NotifyKey:    encryptedNotifyKey,
 				NotifyURL:    req.NotifyURL,
 				JumpURL:      req.JumpURL,
-				PayWay:       firstNonEmpty(req.PayWay, "ZFBZF"),
+				PayWay:       payWay,
 				JSPayFlag:    firstNonEmpty(req.JSPayFlag, "2"),
 				SignType:     firstNonEmpty(req.SignType, defaultSignType(req.Provider)),
 				ExtraConfig:  model.JSONMap(req.ExtraConfig),
@@ -158,23 +157,30 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 	return result, nil
 }
 
-// FindActiveByProvider 查询提供商的所有激活配置
+// backupActiveKeys 提取备份中每个支付方式的启用配置键。
-
+func backupActiveKeys(configs []ConfigDTO) map[string]string {
-func backupActiveKey(configs []ConfigDTO) string {
+	keys := make(map[string]string)
 	for _, cfg := range configs {
+		payWay := firstNonEmpty(cfg.PayWay, "ZFBZF")
+		if _, exists := keys[payWay]; exists {
+			continue
+		}
 		if cfg.Status == "active" || cfg.IsDefault {
-			return paymentConfigImportKey(cfg.Provider, cfg.MerchantID)
+			keys[payWay] = paymentConfigImportKey(cfg.Provider, cfg.MerchantID, payWay)
 		}
 	}
-	return ""
+	return keys
 }
 
-func importCreateRequest(cfg ConfigDTO, activeKey string) CreateRequest {
+// importCreateRequest 将备份 DTO 转为创建请求，并保留每个支付方式唯一启用配置。
+func importCreateRequest(cfg ConfigDTO, activeKeys map[string]string) CreateRequest {
 	status := cfg.Status
 	if status == "" {
 		status = "disabled"
 	}
-	isActive := activeKey != "" && paymentConfigImportKey(cfg.Provider, cfg.MerchantID) == activeKey
+	payWay := firstNonEmpty(cfg.PayWay, "ZFBZF")
+	activeKey := activeKeys[payWay]
+	isActive := activeKey != "" && paymentConfigImportKey(cfg.Provider, cfg.MerchantID, payWay) == activeKey
 	if isActive {
 		status = "active"
 	} else if status == "active" {
@@ -190,7 +196,7 @@ func importCreateRequest(cfg ConfigDTO, activeKey string) CreateRequest {
 		NotifyKey:    cfg.NotifyKey,
 		NotifyURL:    cfg.NotifyURL,
 		JumpURL:      cfg.JumpURL,
-		PayWay:       cfg.PayWay,
+		PayWay:       payWay,
 		JSPayFlag:    cfg.JSPayFlag,
 		SignType:     cfg.SignType,
 		ExtraConfig:  cfg.ExtraConfig,
@@ -201,6 +207,7 @@ func importCreateRequest(cfg ConfigDTO, activeKey string) CreateRequest {
 	}
 }
 
-func paymentConfigImportKey(provider string, merchantID string) string {
+// paymentConfigImportKey 生成导入去重键，同商户可按支付方式拆分为多条配置。
-	return provider + ":" + merchantID
+func paymentConfigImportKey(provider string, merchantID string, payWay string) string {
+	return provider + ":" + merchantID + ":" + payWay
 }

backend/internal/modules/paymentconfig/dto.go

@@ -6,6 +6,7 @@ var (
 	ErrConfigNotFound      = errors.New("payment config not found")
 	ErrDuplicateDefault    = errors.New("duplicate default config for provider")
 	ErrInvalidProvider     = errors.New("invalid payment provider")
+	ErrInvalidPayWay       = errors.New("invalid pay_way")
 	ErrInvalidStatus       = errors.New("invalid status")
 	ErrInvalidBackup       = errors.New("invalid payment config backup")
 	ErrEmptyBackup         = errors.New("payment config backup is empty")
@@ -95,6 +96,7 @@ type UpdateRequest struct {
 // ListQuery 列表查询参数
 type ListQuery struct {
 	Provider    string `form:"provider"`
+	PayWay      string `form:"pay_way"`
 	Status      string `form:"status"`
 	Environment string `form:"environment"`
 	Page        int    `form:"page"`

backend/internal/modules/paymentconfig/handler.go

@@ -24,6 +24,7 @@ func NewHandler(service *Service) *Handler {
 // @Summary 获取支付配置列表
 // @Tags 管理后台-支付配置
 // @Param provider query string false "支付服务商"
+// @Param pay_way query string false "支付方式"
 // @Param status query string false "状态"
 // @Param environment query string false "环境"
 // @Param page query int false "页码"
@@ -141,7 +142,7 @@ func (h *Handler) ImportBackup(c *gin.Context) {
 	if err == ErrInvalidBackup || err == ErrEmptyBackup || err == ErrInvalidProvider ||
 		err == ErrNameRequired || err == ErrMerchantIDRequired || err == ErrGatewayURLRequired ||
 		err == ErrSignKeyRequired || err == ErrNotifyKeyRequired || err == ErrNotifyURLRequired ||
-		err == ErrInvalidSignType || err == ErrInvalidStatus || err == ErrAppIDRequired ||
+		err == ErrInvalidSignType || err == ErrInvalidStatus || err == ErrInvalidPayWay || err == ErrAppIDRequired ||
 		err == ErrSerialNoRequired || err == ErrTermNoRequired {
 		response.BadRequest(c, err.Error())
 		return
@@ -180,7 +181,7 @@ func (h *Handler) Create(c *gin.Context) {
 	config, err := h.service.Create(c.Request.Context(), req, adminID, auditMeta(c))
 	if err == ErrNameRequired || err == ErrMerchantIDRequired || err == ErrGatewayURLRequired ||
 		err == ErrSignKeyRequired || err == ErrNotifyKeyRequired || err == ErrInvalidProvider ||
-		err == ErrNotifyURLRequired || err == ErrInvalidSignType || err == ErrAppIDRequired ||
+		err == ErrNotifyURLRequired || err == ErrInvalidSignType || err == ErrInvalidPayWay || err == ErrAppIDRequired ||
 		err == ErrInvalidStatus || err == ErrSerialNoRequired || err == ErrTermNoRequired {
 		response.BadRequest(c, err.Error())
 		return
@@ -224,7 +225,7 @@ func (h *Handler) Update(c *gin.Context) {
 		response.NotFound(c, "配置不存在")
 		return
 	}
-	if err == ErrInvalidSignType || err == ErrInvalidStatus || err == ErrNotifyURLRequired {
+	if err == ErrInvalidSignType || err == ErrInvalidStatus || err == ErrInvalidPayWay || err == ErrNotifyURLRequired {
 		response.BadRequest(c, err.Error())
 		return
 	}

backend/internal/modules/paymentconfig/mutation.go

@@ -37,9 +37,10 @@ func (r *Repository) Create(ctx context.Context, req CreateRequest, actorID uint
 		if environment == "" {
 			environment = "production"
 		}
+		payWay := firstNonEmpty(req.PayWay, "ZFBZF")
 		isDefault := req.IsDefault
 		if status == "active" {
-			if err := deactivateOtherConfigs(tx, 0, actorID); err != nil {
+			if err := deactivateOtherConfigs(tx, 0, actorID, payWay); err != nil {
 				return err
 			}
 			isDefault = true
@@ -56,7 +57,7 @@ func (r *Repository) Create(ctx context.Context, req CreateRequest, actorID uint
 			NotifyKey:    encryptedNotifyKey,
 			NotifyURL:    req.NotifyURL,
 			JumpURL:      req.JumpURL,
-			PayWay:       firstNonEmpty(req.PayWay, "ZFBZF"),
+			PayWay:       payWay,
 			JSPayFlag:    firstNonEmpty(req.JSPayFlag, "2"),
 			SignType:     firstNonEmpty(req.SignType, defaultSignType(req.Provider)),
 			ExtraConfig:  req.ExtraConfig,
@@ -97,6 +98,9 @@ func (r *Repository) Update(ctx context.Context, id uint64, req UpdateRequest, a
 	if req.SignType != nil && *req.SignType != "" && !isValidSignType(*req.SignType) {
 		return nil, ErrInvalidSignType
 	}
+	if req.PayWay != nil && !isValidPayWay(*req.PayWay) {
+		return nil, ErrInvalidPayWay
+	}
 	if req.Status != nil && !isValidStatus(*req.Status) {
 		return nil, ErrInvalidStatus
 	}
@@ -145,7 +149,7 @@ func (r *Repository) Update(ctx context.Context, id uint64, req UpdateRequest, a
 			updates["jump_url"] = *req.JumpURL
 		}
 		if req.PayWay != nil {
-			updates["pay_way"] = *req.PayWay
+			updates["pay_way"] = firstNonEmpty(*req.PayWay, "ZFBZF")
 		}
 		if req.JSPayFlag != nil {
 			updates["jspay_flag"] = *req.JSPayFlag
@@ -174,8 +178,15 @@ func (r *Repository) Update(ctx context.Context, id uint64, req UpdateRequest, a
 		if req.Status != nil {
 			finalStatus = *req.Status
 		}
+		finalPayWay := item.PayWay
+		if req.PayWay != nil && *req.PayWay != "" {
+			finalPayWay = *req.PayWay
+		}
+		if finalPayWay == "" {
+			finalPayWay = "ZFBZF"
+		}
 		if finalStatus == "active" {
-			if err := deactivateOtherConfigs(tx, id, actorID); err != nil {
+			if err := deactivateOtherConfigs(tx, id, actorID, finalPayWay); err != nil {
 				return err
 			}
 			updates["status"] = "active"
@@ -225,8 +236,10 @@ func (r *Repository) Delete(ctx context.Context, id uint64, actorID uint64, meta
 		}
 
 		var usedCount int64
-		if err := tx.Model(&model.PaymentOrder{}).
+		usedDB := tx.Model(&model.PaymentOrder{}).
-			Where("provider = ? AND merchant_id = ?", item.Provider, item.MerchantID).
+			Where("payment_config_id = ?", item.ID).
+			Or("(payment_config_id = ? OR payment_config_id IS NULL) AND provider = ? AND merchant_id = ? AND pay_way = ?", 0, item.Provider, item.MerchantID, item.PayWay)
+		if err := usedDB.
 			Count(&usedCount).Error; err != nil {
 			return err
 		}
@@ -246,12 +259,10 @@ func (r *Repository) Delete(ctx context.Context, id uint64, actorID uint64, meta
 	})
 }
 
-// IncrementUsage 增加使用统计
+// deactivateOtherConfigs 保证同一个支付方式同一时间只有一个启用配置。
-
+func deactivateOtherConfigs(tx *gorm.DB, activeID uint64, actorID uint64, payWay string) error {
-// deactivateOtherConfigs 保证全局同一时间只有一个启用配置。
-func deactivateOtherConfigs(tx *gorm.DB, activeID uint64, actorID uint64) error {
 	db := tx.Model(&model.PaymentMerchantConfig{}).
-		Where("status = ? OR is_default = ?", "active", true)
+		Where("pay_way = ? AND (status = ? OR is_default = ?)", payWay, "active", true)
 	if activeID > 0 {
 		db = db.Where("id != ?", activeID)
 	}

backend/internal/modules/paymentconfig/query.go

@@ -20,6 +20,9 @@ func (r *Repository) List(ctx context.Context, query ListQuery) ([]ConfigDTO, in
 	if query.Provider != "" {
 		db = db.Where("provider = ?", query.Provider)
 	}
+	if query.PayWay != "" {
+		db = db.Where("pay_way = ?", query.PayWay)
+	}
 	if query.Status != "" {
 		db = db.Where("status = ?", query.Status)
 	}
@@ -46,7 +49,7 @@ func (r *Repository) List(ctx context.Context, query ListQuery) ([]ConfigDTO, in
 	}
 
 	offset := (page - 1) * pageSize
-	if err := db.Order("is_default DESC, id DESC").Offset(offset).Limit(pageSize).Find(&items).Error; err != nil {
+	if err := db.Order("pay_way ASC, is_default DESC, id DESC").Offset(offset).Limit(pageSize).Find(&items).Error; err != nil {
 		return nil, 0, err
 	}
 
@@ -62,8 +65,6 @@ func (r *Repository) List(ctx context.Context, query ListQuery) ([]ConfigDTO, in
 	return dtos, total, nil
 }
 
-// FindByID 根据 ID 查询配置
-
 // FindByID 根据 ID 查询配置
 func (r *Repository) FindByID(ctx context.Context, id uint64, includeSecret bool, actorID uint64, meta AuditMeta) (*ConfigDTO, error) {
 	var item model.PaymentMerchantConfig
@@ -89,9 +90,23 @@ func (r *Repository) FindByID(ctx context.Context, id uint64, includeSecret bool
 	return &dto, nil
 }
 
-// FindDefault 查询默认配置
+// FindRuntimeByID 根据配置 ID 查询运行时配置，不写审计日志，供支付单回溯原配置使用。
+func (r *Repository) FindRuntimeByID(ctx context.Context, id uint64, includeSecret bool) (*ConfigDTO, error) {
+	var item model.PaymentMerchantConfig
+	if err := r.db.WithContext(ctx).Where("id = ?", id).First(&item).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return nil, ErrConfigNotFound
+		}
+		return nil, err
+	}
+	dto, err := r.toDTO(item, includeSecret)
+	if err != nil {
+		return nil, err
+	}
+	return &dto, nil
+}
 
-// FindDefault 查询默认配置
+// FindDefault 查询指定服务商的默认启用配置，兼容旧调用路径。
 func (r *Repository) FindDefault(ctx context.Context, provider string) (*model.PaymentMerchantConfig, error) {
 	var item model.PaymentMerchantConfig
 	if err := r.db.WithContext(ctx).Where("provider = ? AND is_default = ? AND status = ?", provider, true, "active").First(&item).Error; err != nil {
@@ -103,12 +118,13 @@ func (r *Repository) FindDefault(ctx context.Context, provider string) (*model.P
 	return &item, nil
 }
 
-// FindDefaultAny 查询任意服务商的默认启用配置。
+// FindDefaultByPayWay 查询指定支付方式的默认启用配置。
-
+func (r *Repository) FindDefaultByPayWay(ctx context.Context, payWay string, includeSecret bool) (*ConfigDTO, error) {
-// FindDefaultAny 查询任意服务商的默认启用配置。
-func (r *Repository) FindDefaultAny(ctx context.Context, includeSecret bool) (*ConfigDTO, error) {
 	var item model.PaymentMerchantConfig
-	if err := r.db.WithContext(ctx).Where("status = ?", "active").Order("is_default DESC, id DESC").First(&item).Error; err != nil {
+	if err := r.db.WithContext(ctx).
+		Where("pay_way = ? AND status = ?", payWay, "active").
+		Order("is_default DESC, id DESC").
+		First(&item).Error; err != nil {
 		if errors.Is(err, gorm.ErrRecordNotFound) {
 			return nil, ErrNoActiveConfigFound
 		}
@@ -121,8 +137,6 @@ func (r *Repository) FindDefaultAny(ctx context.Context, includeSecret bool) (*C
 	return &dto, nil
 }
 
-// FindDefaultByProvider 查询指定服务商的默认启用配置。
-
 // FindDefaultByProvider 查询指定服务商的默认启用配置。
 func (r *Repository) FindDefaultByProvider(ctx context.Context, provider string, includeSecret bool) (*ConfigDTO, error) {
 	item, err := r.FindDefault(ctx, provider)
@@ -136,9 +150,44 @@ func (r *Repository) FindDefaultByProvider(ctx context.Context, provider string,
 	return &dto, nil
 }
 
-// FindByProviderMerchant 根据服务商和商户号查配置，用于历史支付单继续使用原商户密钥。
+// FindDefaultByProviderPayWay 查询指定服务商和支付方式的默认启用配置。
+func (r *Repository) FindDefaultByProviderPayWay(ctx context.Context, provider string, payWay string, includeSecret bool) (*ConfigDTO, error) {
+	var item model.PaymentMerchantConfig
+	if err := r.db.WithContext(ctx).
+		Where("provider = ? AND pay_way = ? AND status = ?", provider, payWay, "active").
+		Order("is_default DESC, id DESC").
+		First(&item).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return nil, ErrNoActiveConfigFound
+		}
+		return nil, err
+	}
+	dto, err := r.toDTO(item, includeSecret)
+	if err != nil {
+		return nil, err
+	}
+	return &dto, nil
+}
 
-// FindByProviderMerchant 根据服务商和商户号查配置，用于历史支付单继续使用原商户密钥。
+// FindByProviderMerchantPayWay 根据服务商、商户号和支付方式查配置，用于旧支付单回溯原商户密钥。
+func (r *Repository) FindByProviderMerchantPayWay(ctx context.Context, provider string, merchantID string, payWay string, includeSecret bool) (*ConfigDTO, error) {
+	var item model.PaymentMerchantConfig
+	if err := r.db.WithContext(ctx).Where("provider = ? AND merchant_id = ? AND pay_way = ?", provider, merchantID, payWay).
+		Order("status = 'active' DESC, is_default DESC, id DESC").
+		First(&item).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return nil, ErrConfigNotFound
+		}
+		return nil, err
+	}
+	dto, err := r.toDTO(item, includeSecret)
+	if err != nil {
+		return nil, err
+	}
+	return &dto, nil
+}
+
+// FindByProviderMerchant 根据服务商和商户号查配置，保留给历史数据没有支付方式时兜底使用。
 func (r *Repository) FindByProviderMerchant(ctx context.Context, provider string, merchantID string, includeSecret bool) (*ConfigDTO, error) {
 	var item model.PaymentMerchantConfig
 	if err := r.db.WithContext(ctx).Where("provider = ? AND merchant_id = ?", provider, merchantID).
@@ -156,8 +205,6 @@ func (r *Repository) FindByProviderMerchant(ctx context.Context, provider string
 	return &dto, nil
 }
 
-// ExportBackup 导出所有支付配置备份，包含解密后的密钥。
-
 // FindActiveByProvider 查询提供商的所有激活配置
 func (r *Repository) FindActiveByProvider(ctx context.Context, provider string) ([]model.PaymentMerchantConfig, error) {
 	var items []model.PaymentMerchantConfig

backend/internal/modules/paymentconfig/repository_test.go

@@ -2,15 +2,17 @@ package paymentconfig
 
 import "testing"
 
-func TestImportCreateRequestKeepsOnlyOneActiveConfig(t *testing.T) {
+func TestImportCreateRequestKeepsOneActiveConfigPerPayWay(t *testing.T) {
 	configs := []ConfigDTO{
-		{Provider: "lakala", MerchantID: "M1", Status: "active", IsDefault: true},
+		{Provider: "lakala", MerchantID: "M1", PayWay: "ZFBZF", Status: "active", IsDefault: true},
-		{Provider: "leshua", MerchantID: "M2", Status: "active", IsDefault: false},
+		{Provider: "leshua", MerchantID: "M2", PayWay: "ZFBZF", Status: "active", IsDefault: false},
+		{Provider: "leshua", MerchantID: "M3", PayWay: "WXZF", Status: "active", IsDefault: true},
 	}
-	activeKey := backupActiveKey(configs)
+	activeKeys := backupActiveKeys(configs)
 
-	first := importCreateRequest(configs[0], activeKey)
+	first := importCreateRequest(configs[0], activeKeys)
-	second := importCreateRequest(configs[1], activeKey)
+	second := importCreateRequest(configs[1], activeKeys)
+	third := importCreateRequest(configs[2], activeKeys)
 
 	if first.Status != "active" || !first.IsDefault {
 		t.Fatalf("first config status/default = %s/%v, want active/true", first.Status, first.IsDefault)
@@ -18,6 +20,9 @@ func TestImportCreateRequestKeepsOnlyOneActiveConfig(t *testing.T) {
 	if second.Status != "disabled" || second.IsDefault {
 		t.Fatalf("second config status/default = %s/%v, want disabled/false", second.Status, second.IsDefault)
 	}
+	if third.Status != "active" || !third.IsDefault {
+		t.Fatalf("third config status/default = %s/%v, want active/true", third.Status, third.IsDefault)
+	}
 }
 
 func TestImportCreateRequestPreservesTestingConfig(t *testing.T) {
@@ -27,7 +32,7 @@ func TestImportCreateRequestPreservesTestingConfig(t *testing.T) {
 		Status:     "testing",
 	}
 
-	req := importCreateRequest(cfg, "")
+	req := importCreateRequest(cfg, nil)
 
 	if req.Status != "testing" || req.IsDefault {
 		t.Fatalf("status/default = %s/%v, want testing/false", req.Status, req.IsDefault)

backend/internal/modules/paymentconfig/service.go

@@ -64,7 +64,7 @@ func (s *Service) Delete(ctx context.Context, id uint64, actorID uint64, meta Au
 	return s.repo.Delete(ctx, id, actorID, meta)
 }
 
-// GetDefaultConfig 获取默认配置（用于支付模块调用）
+// GetDefaultConfig 获取指定服务商的默认配置，保留给管理工具或兼容调用使用。
 func (s *Service) GetDefaultConfig(ctx context.Context, provider string) (*ConfigDTO, error) {
 	config, err := s.repo.FindDefault(ctx, provider)
 	if err != nil {
@@ -76,3 +76,8 @@ func (s *Service) GetDefaultConfig(ctx context.Context, provider string) (*Confi
 	}
 	return &dto, nil
 }
+
+// GetDefaultConfigByPayWay 获取指定支付方式的默认配置，供新支付链路按微信/支付宝选渠道。
+func (s *Service) GetDefaultConfigByPayWay(ctx context.Context, payWay string) (*ConfigDTO, error) {
+	return s.repo.FindDefaultByPayWay(ctx, payWay, true)
+}

backend/internal/modules/paymentconfig/validation.go

@@ -17,6 +17,9 @@ func (r *Repository) validateCreateRequest(req CreateRequest) error {
 	if req.SignType != "" && !isValidSignType(req.SignType) {
 		return ErrInvalidSignType
 	}
+	if req.PayWay != "" && !isValidPayWay(req.PayWay) {
+		return ErrInvalidPayWay
+	}
 	if req.Status != "" && !isValidStatus(req.Status) {
 		return ErrInvalidStatus
 	}
@@ -71,6 +74,11 @@ func isValidSignType(value string) bool {
 	return value == "MD5" || value == "SHA256withRSA"
 }
 
+// isValidPayWay 校验支付方式是否属于系统支持的微信或支付宝编码。
+func isValidPayWay(value string) bool {
+	return value == "ZFBZF" || value == "WXZF"
+}
+
 func isValidStatus(value string) bool {
 	return value == "active" || value == "disabled" || value == "testing"
 }

backend/migrations/000004_payment_config_pay_way.sql

@@ -0,0 +1,80 @@
+-- +goose Up
+
+-- 支付单记录命中的支付配置 ID，后续查询、退款和通知验签优先回溯原配置。
+SET @sql = IF(
+  (SELECT COUNT(*) FROM information_schema.COLUMNS WHERE TABLE_SCHEMA = DATABASE() AND TABLE_NAME = 'payment_orders' AND COLUMN_NAME = 'payment_config_id') = 0,
+  'ALTER TABLE payment_orders ADD COLUMN payment_config_id BIGINT UNSIGNED NOT NULL DEFAULT 0 COMMENT ''命中的支付配置ID'' AFTER user_id',
+  'SELECT 1'
+);
+PREPARE stmt FROM @sql;
+EXECUTE stmt;
+DEALLOCATE PREPARE stmt;
+
+-- 支付单按配置 ID 查询，用于回调、退款和后台排障。
+SET @sql = IF(
+  (SELECT COUNT(*) FROM information_schema.STATISTICS WHERE TABLE_SCHEMA = DATABASE() AND TABLE_NAME = 'payment_orders' AND INDEX_NAME = 'idx_payment_orders_payment_config_id') = 0,
+  'ALTER TABLE payment_orders ADD KEY idx_payment_orders_payment_config_id (payment_config_id)',
+  'SELECT 1'
+);
+PREPARE stmt FROM @sql;
+EXECUTE stmt;
+DEALLOCATE PREPARE stmt;
+
+-- 支付配置按支付方式筛选默认渠道，支持微信和支付宝分别启用。
+SET @sql = IF(
+  (SELECT COUNT(*) FROM information_schema.STATISTICS WHERE TABLE_SCHEMA = DATABASE() AND TABLE_NAME = 'payment_merchant_configs' AND INDEX_NAME = 'idx_payment_merchant_configs_pay_way') = 0,
+  'ALTER TABLE payment_merchant_configs ADD KEY idx_payment_merchant_configs_pay_way (pay_way, status, is_default)',
+  'SELECT 1'
+);
+PREPARE stmt FROM @sql;
+EXECUTE stmt;
+DEALLOCATE PREPARE stmt;
+
+-- 历史支付单按服务商、商户号和支付方式回填命中的配置 ID。
+UPDATE payment_orders p
+SET payment_config_id = (
+  SELECT c.id
+  FROM payment_merchant_configs c
+  WHERE c.provider = p.provider
+    AND c.merchant_id = p.merchant_id
+    AND c.pay_way = p.pay_way
+  ORDER BY c.status = 'active' DESC, c.is_default DESC, c.id DESC
+  LIMIT 1
+)
+WHERE p.payment_config_id = 0
+  AND EXISTS (
+    SELECT 1
+    FROM payment_merchant_configs c
+    WHERE c.provider = p.provider
+      AND c.merchant_id = p.merchant_id
+      AND c.pay_way = p.pay_way
+  );
+
+-- +goose Down
+
+SET @sql = IF(
+  (SELECT COUNT(*) FROM information_schema.STATISTICS WHERE TABLE_SCHEMA = DATABASE() AND TABLE_NAME = 'payment_merchant_configs' AND INDEX_NAME = 'idx_payment_merchant_configs_pay_way') > 0,
+  'ALTER TABLE payment_merchant_configs DROP INDEX idx_payment_merchant_configs_pay_way',
+  'SELECT 1'
+);
+PREPARE stmt FROM @sql;
+EXECUTE stmt;
+DEALLOCATE PREPARE stmt;
+
+SET @sql = IF(
+  (SELECT COUNT(*) FROM information_schema.STATISTICS WHERE TABLE_SCHEMA = DATABASE() AND TABLE_NAME = 'payment_orders' AND INDEX_NAME = 'idx_payment_orders_payment_config_id') > 0,
+  'ALTER TABLE payment_orders DROP INDEX idx_payment_orders_payment_config_id',
+  'SELECT 1'
+);
+PREPARE stmt FROM @sql;
+EXECUTE stmt;
+DEALLOCATE PREPARE stmt;
+
+SET @sql = IF(
+  (SELECT COUNT(*) FROM information_schema.COLUMNS WHERE TABLE_SCHEMA = DATABASE() AND TABLE_NAME = 'payment_orders' AND COLUMN_NAME = 'payment_config_id') > 0,
+  'ALTER TABLE payment_orders DROP COLUMN payment_config_id',
+  'SELECT 1'
+);
+PREPARE stmt FROM @sql;
+EXECUTE stmt;
+DEALLOCATE PREPARE stmt;

frontend/components.d.ts

@@ -47,6 +47,7 @@ declare module 'vue' {
     ElRadio: typeof import('element-plus/es')['ElRadio']
     ElRadioButton: typeof import('element-plus/es')['ElRadioButton']
     ElRadioGroup: typeof import('element-plus/es')['ElRadioGroup']
+    ElSegmented: typeof import('element-plus/es')['ElSegmented']
     ElSelect: typeof import('element-plus/es')['ElSelect']
     ElStep: typeof import('element-plus/es')['ElStep']
     ElSteps: typeof import('element-plus/es')['ElSteps']

frontend/src/features/admin/api/paymentConfig.ts

@@ -80,6 +80,7 @@ export interface UpdatePaymentConfigRequest {
 
 export async function fetchPaymentConfigs(params?: {
   provider?: string
+  pay_way?: string
   status?: string
   environment?: string
   page?: number

frontend/src/features/admin/components/PaymentConfigDialog.vue

@@ -31,10 +31,49 @@ const advancedOpen = ref<string[]>([])
 
 const defaultGateways: Record<string, string> = {
   leshua: 'https://paygate.leshuazf.com/cgi-bin/lepos_pay_gateway.cgi',
-  lakala: 'https://test.wsmsd.cn/sit',
   mock: '',
 }
 
+const lakalaGateways: Record<string, string> = {
+  production: 'https://s2.lakala.com',
+  sandbox: 'https://test.wsmsd.cn/sit',
+}
+
+const defaultNotifyURLs: Record<string, string> = {
+  leshua: 'https://hao858.com/api/payments/leshua/notify',
+  lakala: 'https://hao858.com/api/payments/lakala/notify',
+  mock: '',
+}
+
+const defaultJumpURLs: Record<string, string> = {
+  leshua: 'https://hao858.com/orders',
+  lakala: 'https://hao858.com/orders',
+  mock: '',
+}
+
+const lakalaPayModeByPayWay: Record<string, string> = {
+  ZFBZF: 'ALIPAY',
+  WXZF: 'WECHAT',
+}
+
+// defaultEnvironment 返回新建配置时的默认环境。
+function defaultEnvironment(provider: string) {
+  return provider === 'mock' ? 'production' : 'production'
+}
+
+// defaultGateway 根据服务商和环境生成默认网关地址。
+function defaultGateway(provider: string, environment = defaultEnvironment(provider)) {
+  if (provider === 'lakala') {
+    return lakalaGateways[environment] || lakalaGateways.production
+  }
+  return defaultGateways[provider] || ''
+}
+
+// isDefaultLakalaGateway 判断当前网关是否仍是拉卡拉系统默认值。
+function isDefaultLakalaGateway(value?: string) {
+  return !value || Object.values(lakalaGateways).includes(value)
+}
+
 function defaultExtraConfig(provider: string) {
   if (provider === 'lakala') {
     return {
@@ -42,30 +81,33 @@ function defaultExtraConfig(provider: string) {
       serial_no: '',
       term_no: '',
       lakala_cert: '',
-      pay_mode: 'AUTO',
+      pay_mode: 'ALIPAY',
       order_expire_minutes: 15,
     }
   }
   return {}
 }
 
-function makeDefaultForm(provider = 'leshua'): CreatePaymentConfigRequest {
+function makeDefaultForm(
+  provider = 'leshua',
+  environment = defaultEnvironment(provider)
+): CreatePaymentConfigRequest {
   return {
     name: '',
     provider,
     merchant_id: '',
-    gateway_url: defaultGateways[provider] || '',
+    gateway_url: defaultGateway(provider, environment),
     sign_key: '',
     notify_key: '',
-    notify_url: '',
+    notify_url: defaultNotifyURLs[provider] || '',
-    jump_url: '',
+    jump_url: defaultJumpURLs[provider] || '',
     pay_way: 'ZFBZF',
     jspay_flag: '2',
     sign_type: provider === 'lakala' ? 'SHA256withRSA' : 'MD5',
     extra_config: defaultExtraConfig(provider),
     is_default: false,
     status: 'active',
-    environment: provider === 'lakala' ? 'sandbox' : 'production',
+    environment,
     business_tags: [],
   }
 }
@@ -99,6 +141,15 @@ function normalizeExtraConfig(provider: string, extraConfig?: Record<string, any
   return extra
 }
 
+// syncLakalaPayMode 根据支付方式同步拉卡拉渠道模式。
+function syncLakalaPayMode(payWay = formData.value.pay_way || 'ZFBZF') {
+  if (!isLakala.value) return
+  formData.value.extra_config = {
+    ...normalizeExtraConfig('lakala', formData.value.extra_config),
+    pay_mode: lakalaPayModeByPayWay[payWay] || 'AUTO',
+  }
+}
+
 watch(
   () => props.modelValue,
   val => {
@@ -134,12 +185,25 @@ watch(
 function handleProviderChange(provider: string) {
   if (props.mode !== 'create') return
   const currentName = formData.value.name
-  const currentNotifyURL = formData.value.notify_url
+  const currentPayWay = formData.value.pay_way || 'ZFBZF'
+  const currentEnvironment = formData.value.environment || defaultEnvironment(provider)
   formData.value = {
-    ...makeDefaultForm(provider),
+    ...makeDefaultForm(provider, currentEnvironment),
     name: currentName,
-    notify_url: currentNotifyURL,
+    pay_way: currentPayWay,
   }
+  syncLakalaPayMode(currentPayWay)
+}
+
+// handlePayWayChange 处理支付方式切换，并联动渠道扩展配置。
+function handlePayWayChange(payWay: string | number | boolean) {
+  syncLakalaPayMode(String(payWay))
+}
+
+// handleEnvironmentChange 处理环境切换，并同步拉卡拉默认网关。
+function handleEnvironmentChange(environment: string) {
+  if (!isLakala.value || !isDefaultLakalaGateway(formData.value.gateway_url)) return
+  formData.value.gateway_url = defaultGateway('lakala', environment)
 }
 
 async function handleViewSecrets() {
@@ -206,7 +270,7 @@ function handleClose() {
 </script>
 
 <template>
-  <el-dialog :model-value="modelValue" :title="dialogTitle" width="700px" @close="handleClose">
+  <el-dialog :model-value="modelValue" :title="dialogTitle" width="760px" @close="handleClose">
     <el-form :model="formData" label-width="120px">
       <el-form-item label="配置名称" required>
         <el-input v-model="formData.name" placeholder="如：乐刷生产商户1" :disabled="isReadonly" />
@@ -224,6 +288,18 @@ function handleClose() {
         </el-select>
       </el-form-item>
 
+      <el-form-item label="支付方式" required>
+        <el-segmented
+          v-model="formData.pay_way"
+          :disabled="isReadonly"
+          :options="[
+            { label: '支付宝', value: 'ZFBZF' },
+            { label: '微信', value: 'WXZF' },
+          ]"
+          @change="handlePayWayChange"
+        />
+      </el-form-item>
+
       <el-form-item label="商户号" required>
         <el-input v-model="formData.merchant_id" placeholder="渠道商户号" :disabled="isReadonly" />
       </el-form-item>
@@ -306,7 +382,7 @@ function handleClose() {
 
       <el-form-item label="是否默认">
         <el-switch v-model="formData.is_default" :disabled="isReadonly" />
-        <span class="form-hint">全局只能启用一个配置，启用后会自动设为默认</span>
+        <span class="form-hint">同一支付方式只保留一个启用默认配置</span>
       </el-form-item>
 
       <el-form-item label="状态">
@@ -318,7 +394,11 @@ function handleClose() {
       </el-form-item>
 
       <el-form-item label="环境">
-        <el-select v-model="formData.environment" :disabled="isReadonly">
+        <el-select
+          v-model="formData.environment"
+          :disabled="isReadonly"
+          @change="handleEnvironmentChange"
+        >
           <el-option label="生产环境" value="production" />
           <el-option label="测试环境" value="sandbox" />
         </el-select>
@@ -338,18 +418,11 @@ function handleClose() {
             />
           </el-form-item>
 
-          <el-form-item label="支付方式">
-            <el-select v-model="formData.pay_way" :disabled="isReadonly">
-              <el-option label="支付宝" value="ZFBZF" />
-              <el-option label="微信" value="WXZF" />
-            </el-select>
-          </el-form-item>
-
           <el-form-item v-if="isLakala" label="拉卡拉模式">
             <el-select v-model="extraConfig.pay_mode" :disabled="isReadonly">
-              <el-option label="不限制，由收银台选择" value="AUTO" />
               <el-option label="支付宝" value="ALIPAY" />
               <el-option label="微信" value="WECHAT" />
+              <el-option label="不限制，由收银台选择" value="AUTO" />
               <el-option label="银联" value="UQRCODEPAY" />
             </el-select>
           </el-form-item>

frontend/src/features/admin/views/AdminPaymentConfigsView.vue

@@ -29,6 +29,7 @@ const dialogMode = ref<'create' | 'edit' | 'view'>('create')
 const currentConfig = ref<PaymentConfig | null>(null)
 
 const filterProvider = ref('')
+const filterPayWay = ref('')
 const filterStatus = ref('')
 const filterEnvironment = ref('')
 
@@ -46,6 +47,12 @@ const statusOptions = [
   { label: '测试中', value: 'testing' },
 ]
 
+const payWayOptions = [
+  { label: '全部', value: '' },
+  { label: '支付宝', value: 'ZFBZF' },
+  { label: '微信', value: 'WXZF' },
+]
+
 const environmentOptions = [
   { label: '全部', value: '' },
   { label: '生产环境', value: 'production' },
@@ -65,6 +72,7 @@ async function loadConfigs() {
   try {
     const res = await fetchPaymentConfigs({
       provider: filterProvider.value || undefined,
+      pay_way: filterPayWay.value || undefined,
       status: filterStatus.value || undefined,
       environment: filterEnvironment.value || undefined,
       page: currentPage.value,
@@ -161,7 +169,7 @@ async function handleImportFile(event: Event) {
 
   try {
     await ElMessageBox.confirm(
-      '导入会按服务商和商户号新增或更新配置，并恢复备份中的启用配置。备份文件包含支付密钥明文，请确认来源可信。',
+      '导入会按服务商、商户号和支付方式新增或更新配置，并恢复备份中的启用配置。备份文件包含支付密钥明文，请确认来源可信。',
       '导入支付配置备份',
       {
         type: 'warning',
@@ -213,6 +221,24 @@ function formatProvider(provider: string) {
   return map[provider] || provider
 }
 
+// formatPayWay 将支付方式编码展示为运营可读名称。
+function formatPayWay(payWay: string) {
+  const map: Record<string, string> = {
+    ZFBZF: '支付宝',
+    WXZF: '微信',
+  }
+  return map[payWay] || payWay || '-'
+}
+
+// getPayWayType 按支付方式返回标签颜色。
+function getPayWayType(payWay: string) {
+  const map: Record<string, 'success' | 'primary' | 'info'> = {
+    ZFBZF: 'primary',
+    WXZF: 'success',
+  }
+  return map[payWay] || 'info'
+}
+
 function formatStatus(status: string) {
   const map: Record<string, string> = {
     active: '启用',
@@ -257,7 +283,7 @@ function deleteDisabledReason(row: PaymentConfig) {
     <div class="page-header">
       <p class="eyebrow">Payment Configs</p>
       <h1>支付配置管理</h1>
-      <p>管理多个支付商户配置，支持乐刷、拉卡拉等多种支付渠道，同一时间仅一个配置启用。</p>
+      <p>管理多个支付商户配置，支付宝和微信可分别启用默认渠道。</p>
     </div>
 
     <div class="filter-bar">
@@ -274,6 +300,19 @@ function deleteDisabledReason(row: PaymentConfig) {
           :value="opt.value"
         />
       </el-select>
+      <el-select
+        v-model="filterPayWay"
+        placeholder="支付方式"
+        style="width: 120px"
+        @change="loadConfigs"
+      >
+        <el-option
+          v-for="opt in payWayOptions"
+          :key="opt.value"
+          :label="opt.label"
+          :value="opt.value"
+        />
+      </el-select>
       <el-select
         v-model="filterStatus"
         placeholder="状态"
@@ -325,6 +364,13 @@ function deleteDisabledReason(row: PaymentConfig) {
           {{ formatProvider(row.provider) }}
         </template>
       </el-table-column>
+      <el-table-column prop="pay_way" label="支付方式" width="104" align="center">
+        <template #default="{ row }">
+          <el-tag :type="getPayWayType(row.pay_way)" size="small">
+            {{ formatPayWay(row.pay_way) }}
+          </el-tag>
+        </template>
+      </el-table-column>
       <el-table-column prop="merchant_id" label="商户号" min-width="150" />
       <el-table-column prop="environment" label="环境" width="86" align="center">
         <template #default="{ row }">

frontend/src/features/orders/api/orders.ts

@@ -142,6 +142,8 @@ export interface StartOrderPaymentRequest {
   jspay_flag?: string
 }
 
+export type PaymentPayWay = 'ZFBZF' | 'WXZF'
+
 export interface RefundStatus {
   order_id: number
   refund_status: string

frontend/src/features/orders/components/MobilePaymentCashierPopup.vue

@@ -15,6 +15,15 @@ const emit = defineEmits<{
   'update:show': [value: boolean]
   refresh: []
 }>()
+
+// payWayLabel 展示当前支付单实际选择的支付方式。
+function payWayLabel(payWay?: string) {
+  const map: Record<string, string> = {
+    ZFBZF: '支付宝',
+    WXZF: '微信',
+  }
+  return map[payWay || ''] || '当前方式'
+}
 </script>
 
 <template>
@@ -41,7 +50,7 @@ const emit = defineEmits<{
         <img v-else-if="qrCodeUrl" :src="qrCodeUrl" alt="支付二维码" />
         <van-icon v-else name="qr" :size="46" />
       </div>
-      <p class="mobile-pay-title">请使用微信或支付宝扫码支付</p>
+      <p class="mobile-pay-title">请使用{{ payWayLabel(payment?.pay_way) }}扫码支付</p>
       <p class="mobile-pay-desc">支付完成后页面会自动刷新，也可以手动点击下方按钮确认。</p>
       <van-button
         type="primary"

frontend/src/features/orders/composables/useOrderActions.ts

@@ -19,6 +19,7 @@ import {
   type HandoffRecord,
   type Order,
   type PaymentOrder,
+  type PaymentPayWay,
 } from '@/features/orders/api/orders'
 import {
   hydrateCounterFormFromCheckout,
@@ -51,6 +52,8 @@ export interface UseOrderActionsOptions {
   confirm: (opts: { title: string; message: string }) => Promise<boolean>
   /** 需要走二次确认的 handler 名集合。Mobile 传 ['cancel','confirmCheckout','acceptCheckout','cancelDispute']，PC 传 []。 */
   actionsNeedingConfirm: readonly string[]
+  /** 支付前选择支付方式。返回 null 表示用户取消支付。 */
+  selectPayWay: () => Promise<PaymentPayWay | null>
   /** 订单列表跳转路径，PC '/orders' / Mobile '/m/orders'。 */
   ordersPath: string
   /** 订单群聊路由前缀，PC '/messages/' / Mobile '/m/chats/'。openOrderChat 内部拼接 `${prefix}${chat.id}`。 */
@@ -261,9 +264,11 @@ export function useOrderActions(options: UseOrderActionsOptions) {
 
   async function handlePay() {
     if (!order.value) return
+    const payWay = await options.selectPayWay()
+    if (!payWay) return
     startingPayment.value = true
     try {
-      const payment = await startOrderPayment(order.value.id)
+      const payment = await startOrderPayment(order.value.id, { pay_way: payWay })
       if (payment.paid) {
         options.notifySuccess('支付成功，等待号主交接')
         await loadOrder()

frontend/src/features/orders/views/MobileOrderDetailView.vue

@@ -19,6 +19,7 @@ import {
 } from '@/features/orders'
 import { handoffStatusLabel, orderStatusLabel } from '@/shared/utils/statusLabels'
 import { formatDateTime } from '@/shared/utils/time'
+import type { PaymentPayWay } from '@/features/orders/api/orders'
 
 // 移动端支付收银台（基于通用 useOrderPaymentCashier 的薄封装：注入 vant toast + App 浏览器跳转）。
 const cashier = useMobilePaymentCashier()
@@ -101,6 +102,7 @@ const {
     }
   },
   actionsNeedingConfirm: CONFIRMABLE_ACTIONS,
+  selectPayWay,
   ordersPath: '/m/orders',
   chatPathPrefix: '/m/chats/',
   startCashier: (payment, onPaid) => cashier.openMobilePaymentCashier(payment, onPaid),
@@ -115,6 +117,23 @@ const showDisputePopup = ref(false)
 const showCounterPopup = ref(false)
 const showRejectPopup = ref(false)
 
+// selectPayWay 在创建支付单前让移动端用户选择支付宝或微信。
+async function selectPayWay(): Promise<PaymentPayWay | null> {
+  try {
+    await showDialog({
+      title: '选择支付方式',
+      message: '选择后将生成对应渠道的支付二维码。',
+      showCancelButton: true,
+      confirmButtonText: '支付宝支付',
+      cancelButtonText: '微信支付',
+      closeOnClickOverlay: false,
+    })
+    return 'ZFBZF'
+  } catch (action) {
+    return action === 'cancel' ? 'WXZF' : null
+  }
+}
+
 // 账号快照展示（PC 不用，保留在本视图）。
 function readSnapshot() {
   return readOrderSnapshot(order.value) as Record<string, any> | null

frontend/src/features/orders/views/MobileOrdersView.vue

@@ -2,10 +2,15 @@
 import { readError } from '@/shared/utils/error'
 import { onMounted, ref, computed } from 'vue'
 import { useRouter, useRoute } from 'vue-router'
-import { showToast } from 'vant'
+import { showDialog, showToast } from 'vant'
 import MobileBottomNav from '@/components/MobileBottomNav.vue'
 
-import { fetchOrders, startOrderPayment, type Order } from '@/features/orders/api/orders'
+import {
+  fetchOrders,
+  startOrderPayment,
+  type Order,
+  type PaymentPayWay,
+} from '@/features/orders/api/orders'
 import MobilePaymentCashierPopup from '@/features/orders/components/MobilePaymentCashierPopup.vue'
 import { useMobilePaymentCashier } from '@/features/orders/composables/useMobilePaymentCashier'
 import { centToYuan, formatMoney } from '@/shared/utils/money'
@@ -89,9 +94,11 @@ function goDetail(id: number) {
 }
 
 async function handlePay(order: Order) {
+  const payWay = await selectPayWay()
+  if (!payWay) return
   payingOrderId.value = order.id
   try {
-    const payment = await startOrderPayment(order.id)
+    const payment = await startOrderPayment(order.id, { pay_way: payWay })
     if (payment.paid) {
       showToast({ message: '支付成功，等待号主交接', icon: 'passed' })
       await loadOrders()
@@ -105,6 +112,23 @@ async function handlePay(order: Order) {
   }
 }
 
+// selectPayWay 在列表快捷支付前让用户选择支付宝或微信。
+async function selectPayWay(): Promise<PaymentPayWay | null> {
+  try {
+    await showDialog({
+      title: '选择支付方式',
+      message: '选择后将生成对应渠道的支付二维码。',
+      showCancelButton: true,
+      confirmButtonText: '支付宝支付',
+      cancelButtonText: '微信支付',
+      closeOnClickOverlay: false,
+    })
+    return 'ZFBZF'
+  } catch (action) {
+    return action === 'cancel' ? 'WXZF' : null
+  }
+}
+
 function money(value: unknown) {
   return formatMoney(Number(value || 0))
 }

frontend/src/features/orders/views/OrderDetailView.vue

@@ -1,5 +1,6 @@
 <script setup lang="ts">
-import { ElMessage } from 'element-plus'
+import { computed } from 'vue'
+import { ElMessage, ElMessageBox } from 'element-plus'
 import { ChatDotRound, CopyDocument, Loading } from '@element-plus/icons-vue'
 
 import {
@@ -14,6 +15,7 @@ import { useOrderPaymentCashier } from '@/features/orders/composables/useOrderPa
 import { formatCent } from '@/shared/utils/money'
 import { handoffStatusLabel, orderStatusLabel } from '@/shared/utils/statusLabels'
 import { formatDateTime } from '@/shared/utils/time'
+import type { PaymentPayWay } from '@/features/orders/api/orders'
 
 // 支付收银台：二维码渲染 + 轮询查询。PC 不做 App 浏览器跳转，直接渲染二维码弹窗。
 const cashier = useOrderPaymentCashier({
@@ -88,6 +90,7 @@ const {
   notifyWarning: message => ElMessage.warning(message),
   confirm: async () => true, // PC 不做二次确认，直接放行。
   actionsNeedingConfirm: [],
+  selectPayWay,
   ordersPath: '/orders',
   chatPathPrefix: '/messages/',
   startCashier: (payment, onPaid) => cashier.openPaymentCashier(payment, onPaid),
@@ -100,6 +103,34 @@ const paymentQRCodeURL = cashier.paymentQRCodeURL
 const qrGenerating = cashier.qrGenerating
 const checkingPayment = cashier.checkingPayment
 const paymentPayURL = cashier.payURL
+const activePayWayLabel = computedPayWayLabel(activePayment)
+
+// selectPayWay 在创建支付单前让用户选择支付宝或微信。
+async function selectPayWay(): Promise<PaymentPayWay | null> {
+  try {
+    await ElMessageBox.confirm('选择后将生成对应渠道的支付二维码。', '选择支付方式', {
+      type: 'info',
+      confirmButtonText: '支付宝支付',
+      cancelButtonText: '微信支付',
+      distinguishCancelAndClose: true,
+      closeOnClickModal: false,
+    })
+    return 'ZFBZF'
+  } catch (action) {
+    return action === 'cancel' ? 'WXZF' : null
+  }
+}
+
+// computedPayWayLabel 根据当前支付单展示支付方式名称。
+function computedPayWayLabel(paymentRef: typeof activePayment) {
+  return computed(() => {
+    const map: Record<string, string> = {
+      ZFBZF: '支付宝',
+      WXZF: '微信',
+    }
+    return map[paymentRef.value?.pay_way || ''] || '当前方式'
+  })
+}
 function handleRefreshPayment() {
   void cashier.refreshPaymentStatus(false)
 }
@@ -594,7 +625,7 @@ async function copyListingCode() {
             <img v-else-if="paymentQRCodeURL" :src="paymentQRCodeURL" alt="支付二维码" />
           </div>
           <div class="pay-instructions">
-            <h3>请使用微信或支付宝扫码支付</h3>
+            <h3>请使用{{ activePayWayLabel }}扫码支付</h3>
             <p>扫码完成后将自动刷新，也可手动点击下方按钮确认。</p>
           </div>
         </div>