diff --git a/backend/internal/modules/paymentconfig/handler.go b/backend/internal/modules/paymentconfig/handler.go
index 6addc05..7d71a99 100644
--- a/backend/internal/modules/paymentconfig/handler.go
+++ b/backend/internal/modules/paymentconfig/handler.go
@@ -96,7 +96,7 @@ func (h *Handler) Create(c *gin.Context) {
 	if err == ErrNameRequired || err == ErrMerchantIDRequired || err == ErrGatewayURLRequired ||
 		err == ErrSignKeyRequired || err == ErrNotifyKeyRequired || err == ErrInvalidProvider ||
 		err == ErrNotifyURLRequired || err == ErrInvalidSignType || err == ErrAppIDRequired ||
-		err == ErrSerialNoRequired || err == ErrTermNoRequired {
+		err == ErrInvalidStatus || err == ErrSerialNoRequired || err == ErrTermNoRequired {
 		response.BadRequest(c, err.Error())
 		return
 	}
@@ -139,7 +139,7 @@ func (h *Handler) Update(c *gin.Context) {
 		response.NotFound(c, "配置不存在")
 		return
 	}
-	if err == ErrInvalidSignType || err == ErrNotifyURLRequired {
+	if err == ErrInvalidSignType || err == ErrInvalidStatus || err == ErrNotifyURLRequired {
 		response.BadRequest(c, err.Error())
 		return
 	}
diff --git a/backend/internal/modules/paymentconfig/repository.go b/backend/internal/modules/paymentconfig/repository.go
index 52d2e96..2a3eb08 100644
--- a/backend/internal/modules/paymentconfig/repository.go
+++ b/backend/internal/modules/paymentconfig/repository.go
@@ -171,15 +171,6 @@ func (r *Repository) Create(req CreateRequest, actorID uint64, meta AuditMeta) (
 
 	var dto ConfigDTO
 	err := r.db.Transaction(func(tx *gorm.DB) error {
-		// 如果设置为默认，先取消同 provider 的其他默认配置
-		if req.IsDefault {
-			if err := tx.Model(&model.PaymentMerchantConfig{}).
-				Where("provider = ? AND is_default = ?", req.Provider, true).
-				Update("is_default", false).Error; err != nil {
-				return err
-			}
-		}
-
 		// 加密密钥
 		encryptedSignKey, err := r.encryptor.Encrypt(req.SignKey)
 		if err != nil {
@@ -198,6 +189,15 @@ func (r *Repository) Create(req CreateRequest, actorID uint64, meta AuditMeta) (
 		if environment == "" {
 			environment = "production"
 		}
+		isDefault := req.IsDefault
+		if status == "active" {
+			if err := deactivateOtherConfigs(tx, 0, actorID); err != nil {
+				return err
+			}
+			isDefault = true
+		} else {
+			isDefault = false
+		}
 
 		item := model.PaymentMerchantConfig{
 			Name:         req.Name,
@@ -212,7 +212,7 @@ func (r *Repository) Create(req CreateRequest, actorID uint64, meta AuditMeta) (
 			JSPayFlag:    firstNonEmpty(req.JSPayFlag, "2"),
 			SignType:     firstNonEmpty(req.SignType, defaultSignType(req.Provider)),
 			ExtraConfig:  req.ExtraConfig,
-			IsDefault:    req.IsDefault,
+			IsDefault:    isDefault,
 			Status:       status,
 			Environment:  environment,
 			BusinessTags: req.BusinessTags,
@@ -247,6 +247,9 @@ func (r *Repository) Update(id uint64, req UpdateRequest, actorID uint64, meta A
 	if req.SignType != nil && *req.SignType != "" && !isValidSignType(*req.SignType) {
 		return nil, ErrInvalidSignType
 	}
+	if req.Status != nil && !isValidStatus(*req.Status) {
+		return nil, ErrInvalidStatus
+	}
 	if req.NotifyURL != nil && *req.NotifyURL == "" {
 		return nil, ErrNotifyURLRequired
 	}
@@ -261,15 +264,6 @@ func (r *Repository) Update(id uint64, req UpdateRequest, actorID uint64, meta A
 			return err
 		}
 
-		// 如果设置为默认，先取消同 provider 的其他默认配置
-		if req.IsDefault != nil && *req.IsDefault && !item.IsDefault {
-			if err := tx.Model(&model.PaymentMerchantConfig{}).
-				Where("provider = ? AND is_default = ? AND id != ?", item.Provider, true, id).
-				Update("is_default", false).Error; err != nil {
-				return err
-			}
-		}
-
 		updates := make(map[string]any)
 		if req.Name != nil {
 			updates["name"] = *req.Name
@@ -326,6 +320,20 @@ func (r *Repository) Update(id uint64, req UpdateRequest, actorID uint64, meta A
 		}
 		updates["updated_by"] = actorID
 
+		finalStatus := item.Status
+		if req.Status != nil {
+			finalStatus = *req.Status
+		}
+		if finalStatus == "active" {
+			if err := deactivateOtherConfigs(tx, id, actorID); err != nil {
+				return err
+			}
+			updates["status"] = "active"
+			updates["is_default"] = true
+		} else {
+			updates["is_default"] = false
+		}
+
 		if err := tx.Model(&item).Updates(updates).Error; err != nil {
 			return err
 		}
@@ -430,6 +438,20 @@ func (r *Repository) RecordUsage(configID uint64, paymentOrderID uint64, provide
 	})
 }
 
+// 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)
+	if activeID > 0 {
+		db = db.Where("id != ?", activeID)
+	}
+	return db.Updates(map[string]any{
+		"status":     "disabled",
+		"is_default": false,
+		"updated_by": actorID,
+	}).Error
+}
+
 // toDTO 转换为 DTO
 func (r *Repository) toDTO(item model.PaymentMerchantConfig, includeSecret bool) (ConfigDTO, error) {
 	dto := ConfigDTO{
@@ -492,6 +514,9 @@ func (r *Repository) validateCreateRequest(req CreateRequest) error {
 	if req.SignType != "" && !isValidSignType(req.SignType) {
 		return ErrInvalidSignType
 	}
+	if req.Status != "" && !isValidStatus(req.Status) {
+		return ErrInvalidStatus
+	}
 
 	// leshua 特定验证
 	if req.Provider == "leshua" {
@@ -555,6 +580,10 @@ func isValidSignType(value string) bool {
 	return value == "MD5" || value == "SHA256withRSA"
 }
 
+func isValidStatus(value string) bool {
+	return value == "active" || value == "disabled" || value == "testing"
+}
+
 func extraString(config map[string]any, key string) string {
 	if config == nil {
 		return ""
diff --git a/frontend/src/features/admin/components/PaymentConfigDialog.vue b/frontend/src/features/admin/components/PaymentConfigDialog.vue
index 1a618cb..eeadf18 100644
--- a/frontend/src/features/admin/components/PaymentConfigDialog.vue
+++ b/frontend/src/features/admin/components/PaymentConfigDialog.vue
@@ -287,7 +287,7 @@ function handleClose() {
 
       <el-form-item label="是否默认">
         <el-switch v-model="formData.is_default" :disabled="isReadonly" />
-        <span class="form-hint">每个服务商只能有一个默认配置</span>
+        <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>
       </el-form-item>
 
       <el-form-item label="状态">
diff --git a/frontend/src/features/admin/views/AdminPaymentConfigsView.vue b/frontend/src/features/admin/views/AdminPaymentConfigsView.vue
index 9f045e3..b11a97d 100644
--- a/frontend/src/features/admin/views/AdminPaymentConfigsView.vue
+++ b/frontend/src/features/admin/views/AdminPaymentConfigsView.vue
@@ -173,7 +173,7 @@ 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。</p>
+      <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>
     </div>
 
     <div class="filter-bar">
diff --git a/frontend/src/features/wallet/views/WalletView.vue b/frontend/src/features/wallet/views/WalletView.vue
index 2bf10df..df3e5da 100644
--- a/frontend/src/features/wallet/views/WalletView.vue
+++ b/frontend/src/features/wallet/views/WalletView.vue
@@ -1,5 +1,5 @@
 <script setup lang="ts">
-import { computed, onMounted, ref } from 'vue'
+import { computed, onBeforeUnmount, onMounted, ref, watch } from 'vue'
 import { useRouter } from 'vue-router'
 import { ElMessage } from 'element-plus'
 import { CircleCheck, Coin, Loading, Lock, Money, Refresh, Tickets, Wallet as WalletIcon } from '@element-plus/icons-vue'
@@ -33,6 +33,7 @@ const activeRechargePayment = ref<PaymentOrder | null>(null)
 const rechargeQRCodeURL = ref('')
 const rechargeQRGenerating = ref(false)
 const checkingRecharge = ref(false)
+let rechargePollingTimer: number | null = null
 
 const walletMetrics = computed(() => {
   if (!account.value) {
@@ -64,6 +65,13 @@ const walletMetrics = computed(() => {
 })
 
 onMounted(loadWallet)
+onBeforeUnmount(stopRechargePolling)
+
+watch(rechargeDialogVisible, (visible) => {
+  if (!visible) {
+    stopRechargePolling()
+  }
+})
 
 async function loadWallet() {
   loading.value = true
@@ -134,8 +142,10 @@ async function handleDevRecharge() {
     await renderRechargeQRCode(payment)
     if (payment.paid) {
       ElMessage.success('充值成功')
+      rechargeDialogVisible.value = false
       await loadWallet()
     } else {
+      startRechargePolling()
       ElMessage.success('测试支付单已创建')
     }
   } catch (error) {
@@ -145,27 +155,46 @@ async function handleDevRecharge() {
   }
 }
 
-async function checkDevRechargeStatus() {
+async function checkDevRechargeStatus(options: { silent?: boolean } = {}) {
   if (!activeRechargePayment.value || checkingRecharge.value) return
+  const silent = options.silent === true
   checkingRecharge.value = true
   try {
     const payment = await queryWalletRechargePayment(activeRechargePayment.value.id)
     activeRechargePayment.value = payment
     await renderRechargeQRCode(payment)
     if (payment.paid) {
+      stopRechargePolling()
       ElMessage.success('充值成功')
       rechargeDialogVisible.value = false
       await loadWallet()
     } else {
-      ElMessage.info('支付暂未完成')
+      if (!silent) {
+        ElMessage.info('支付暂未完成')
+      }
     }
   } catch (error) {
-    ElMessage.error(readError(error, '查询支付状态失败'))
+    if (!silent) {
+      ElMessage.error(readError(error, '查询支付状态失败'))
+    }
   } finally {
     checkingRecharge.value = false
   }
 }
 
+function startRechargePolling() {
+  stopRechargePolling()
+  rechargePollingTimer = window.setInterval(() => {
+    void checkDevRechargeStatus({ silent: true })
+  }, 2000)
+}
+
+function stopRechargePolling() {
+  if (!rechargePollingTimer) return
+  window.clearInterval(rechargePollingTimer)
+  rechargePollingTimer = null
+}
+
 function openRechargePayURL() {
   const payURL = rechargePayURL()
   if (!payURL) return