diff --git a/internal/store/postgres/recharge_store.go b/internal/store/postgres/recharge_store.go
new file mode 100644
index 0000000..130ab1d
--- /dev/null
+++ b/internal/store/postgres/recharge_store.go
@@ -0,0 +1,166 @@
+package postgres
+
+import (
+	"context"
+	"time"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/redis/go-redis/v9"
+	"gorm.io/gorm"
+)
+
+type RechargeStore struct {
+	db    *gorm.DB
+	redis *redis.Client
+}
+
+// NewRechargeStore 创建充值订单 Store 实例
+func NewRechargeStore(db *gorm.DB, redis *redis.Client) *RechargeStore {
+	return &RechargeStore{
+		db:    db,
+		redis: redis,
+	}
+}
+
+// Create 创建充值订单
+func (s *RechargeStore) Create(ctx context.Context, recharge *model.RechargeRecord) error {
+	return s.db.WithContext(ctx).Create(recharge).Error
+}
+
+// GetByRechargeNo 根据充值订单号查询充值订单
+// 不存在时返回 nil, nil
+func (s *RechargeStore) GetByRechargeNo(ctx context.Context, rechargeNo string) (*model.RechargeRecord, error) {
+	var recharge model.RechargeRecord
+	err := s.db.WithContext(ctx).Where("recharge_no = ?", rechargeNo).First(&recharge).Error
+	if err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return nil, nil
+		}
+		return nil, err
+	}
+	return &recharge, nil
+}
+
+// GetByID 根据 ID 查询充值订单
+func (s *RechargeStore) GetByID(ctx context.Context, id uint) (*model.RechargeRecord, error) {
+	var recharge model.RechargeRecord
+	if err := s.db.WithContext(ctx).First(&recharge, id).Error; err != nil {
+		return nil, err
+	}
+	return &recharge, nil
+}
+
+// ListRechargeParams 充值订单列表查询参数
+type ListRechargeParams struct {
+	Page      int        // 页码（从 1 开始）
+	PageSize  int        // 每页数量
+	UserID    *uint      // 用户 ID 筛选
+	WalletID  *uint      // 钱包 ID 筛选
+	Status    *int       // 状态筛选
+	StartTime *time.Time // 开始时间
+	EndTime   *time.Time // 结束时间
+}
+
+// List 查询充值订单列表（支持分页和筛选）
+func (s *RechargeStore) List(ctx context.Context, params *ListRechargeParams) ([]*model.RechargeRecord, int64, error) {
+	var recharges []*model.RechargeRecord
+	var total int64
+
+	query := s.db.WithContext(ctx).Model(&model.RechargeRecord{})
+
+	// 应用筛选条件
+	if params.UserID != nil {
+		query = query.Where("user_id = ?", *params.UserID)
+	}
+	if params.WalletID != nil {
+		query = query.Where("wallet_id = ?", *params.WalletID)
+	}
+	if params.Status != nil {
+		query = query.Where("status = ?", *params.Status)
+	}
+	if params.StartTime != nil {
+		query = query.Where("created_at >= ?", *params.StartTime)
+	}
+	if params.EndTime != nil {
+		query = query.Where("created_at <= ?", *params.EndTime)
+	}
+
+	// 统计总数
+	if err := query.Count(&total).Error; err != nil {
+		return nil, 0, err
+	}
+
+	// 分页查询
+	page := params.Page
+	if page < 1 {
+		page = 1
+	}
+	pageSize := params.PageSize
+	if pageSize < 1 {
+		pageSize = 20
+	}
+
+	offset := (page - 1) * pageSize
+	if err := query.Order("id DESC").Offset(offset).Limit(pageSize).Find(&recharges).Error; err != nil {
+		return nil, 0, err
+	}
+
+	return recharges, total, nil
+}
+
+// UpdateStatus 更新充值订单状态（支持乐观锁检查）
+// oldStatus: 原状态（用于乐观锁检查，传 nil 则跳过检查）
+// newStatus: 新状态
+// paidAt: 支付时间（状态变为已支付时传入）
+// completedAt: 完成时间（状态变为已完成时传入）
+func (s *RechargeStore) UpdateStatus(ctx context.Context, id uint, oldStatus *int, newStatus int, paidAt *time.Time, completedAt *time.Time) error {
+	updates := map[string]interface{}{
+		"status": newStatus,
+	}
+	if paidAt != nil {
+		updates["paid_at"] = paidAt
+	}
+	if completedAt != nil {
+		updates["completed_at"] = completedAt
+	}
+
+	query := s.db.WithContext(ctx).Model(&model.RechargeRecord{}).Where("id = ?", id)
+
+	// 乐观锁检查
+	if oldStatus != nil {
+		query = query.Where("status = ?", *oldStatus)
+	}
+
+	result := query.Updates(updates)
+	if result.Error != nil {
+		return result.Error
+	}
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound
+	}
+	return nil
+}
+
+// UpdatePaymentInfo 更新支付信息
+func (s *RechargeStore) UpdatePaymentInfo(ctx context.Context, id uint, paymentChannel *string, paymentTransactionID *string) error {
+	updates := map[string]interface{}{}
+	if paymentChannel != nil {
+		updates["payment_channel"] = paymentChannel
+	}
+	if paymentTransactionID != nil {
+		updates["payment_transaction_id"] = paymentTransactionID
+	}
+
+	if len(updates) == 0 {
+		return nil
+	}
+
+	result := s.db.WithContext(ctx).Model(&model.RechargeRecord{}).Where("id = ?", id).Updates(updates)
+	if result.Error != nil {
+		return result.Error
+	}
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound
+	}
+	return nil
+}
diff --git a/internal/store/postgres/recharge_store_test.go b/internal/store/postgres/recharge_store_test.go
new file mode 100644
index 0000000..30ee2d1
--- /dev/null
+++ b/internal/store/postgres/recharge_store_test.go
@@ -0,0 +1,395 @@
+package postgres
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/tests/testutils"
+	"github.com/stretchr/testify/assert"
+	"github.com/stretchr/testify/require"
+)
+
+func TestRechargeStore_Create(t *testing.T) {
+	tx := testutils.NewTestTransaction(t)
+	rdb := testutils.GetTestRedis(t)
+	testutils.CleanTestRedisKeys(t, rdb)
+	s := NewRechargeStore(tx, rdb)
+	ctx := context.Background()
+
+	recharge := &model.RechargeRecord{
+		UserID:        100,
+		WalletID:      200,
+		RechargeNo:    "RCH20260131120000000001",
+		Amount:        10000,
+		PaymentMethod: "wechat",
+		Status:        1, // 待支付
+	}
+
+	err := s.Create(ctx, recharge)
+	require.NoError(t, err)
+	assert.NotZero(t, recharge.ID)
+	assert.NotZero(t, recharge.CreatedAt)
+	assert.NotZero(t, recharge.UpdatedAt)
+}
+
+func TestRechargeStore_GetByRechargeNo(t *testing.T) {
+	tx := testutils.NewTestTransaction(t)
+	rdb := testutils.GetTestRedis(t)
+	testutils.CleanTestRedisKeys(t, rdb)
+	s := NewRechargeStore(tx, rdb)
+	ctx := context.Background()
+
+	rechargeNo := "RCH20260131120000000002"
+	recharge := &model.RechargeRecord{
+		UserID:        101,
+		WalletID:      201,
+		RechargeNo:    rechargeNo,
+		Amount:        20000,
+		PaymentMethod: "alipay",
+		Status:        1,
+	}
+	require.NoError(t, s.Create(ctx, recharge))
+
+	t.Run("查询存在的充值订单", func(t *testing.T) {
+		result, err := s.GetByRechargeNo(ctx, rechargeNo)
+		require.NoError(t, err)
+		require.NotNil(t, result)
+		assert.Equal(t, recharge.ID, result.ID)
+		assert.Equal(t, recharge.UserID, result.UserID)
+		assert.Equal(t, recharge.Amount, result.Amount)
+	})
+
+	t.Run("查询不存在的充值订单返回 nil", func(t *testing.T) {
+		result, err := s.GetByRechargeNo(ctx, "NOT_EXISTS_RECHARGE_NO")
+		require.NoError(t, err)
+		assert.Nil(t, result)
+	})
+}
+
+func TestRechargeStore_GetByID(t *testing.T) {
+	tx := testutils.NewTestTransaction(t)
+	rdb := testutils.GetTestRedis(t)
+	testutils.CleanTestRedisKeys(t, rdb)
+	s := NewRechargeStore(tx, rdb)
+	ctx := context.Background()
+
+	recharge := &model.RechargeRecord{
+		UserID:        102,
+		WalletID:      202,
+		RechargeNo:    "RCH20260131120000000003",
+		Amount:        30000,
+		PaymentMethod: "wechat",
+		Status:        2, // 已支付
+	}
+	require.NoError(t, s.Create(ctx, recharge))
+
+	t.Run("查询存在的充值订单", func(t *testing.T) {
+		result, err := s.GetByID(ctx, recharge.ID)
+		require.NoError(t, err)
+		assert.Equal(t, recharge.RechargeNo, result.RechargeNo)
+		assert.Equal(t, recharge.Status, result.Status)
+	})
+
+	t.Run("查询不存在的充值订单", func(t *testing.T) {
+		_, err := s.GetByID(ctx, 99999)
+		require.Error(t, err)
+	})
+}
+
+func TestRechargeStore_List(t *testing.T) {
+	tx := testutils.NewTestTransaction(t)
+	rdb := testutils.GetTestRedis(t)
+	testutils.CleanTestRedisKeys(t, rdb)
+	s := NewRechargeStore(tx, rdb)
+	ctx := context.Background()
+
+	// 创建测试数据
+	now := time.Now()
+	yesterday := now.Add(-24 * time.Hour)
+	tomorrow := now.Add(24 * time.Hour)
+
+	recharges := []*model.RechargeRecord{
+		{UserID: 200, WalletID: 300, RechargeNo: "RCH20260131120000000010", Amount: 10000, PaymentMethod: "wechat", Status: 1},
+		{UserID: 200, WalletID: 300, RechargeNo: "RCH20260131120000000011", Amount: 20000, PaymentMethod: "alipay", Status: 2},
+		{UserID: 201, WalletID: 301, RechargeNo: "RCH20260131120000000012", Amount: 30000, PaymentMethod: "wechat", Status: 3},
+		{UserID: 201, WalletID: 302, RechargeNo: "RCH20260131120000000013", Amount: 40000, PaymentMethod: "alipay", Status: 1},
+	}
+	for _, r := range recharges {
+		require.NoError(t, s.Create(ctx, r))
+	}
+
+	t.Run("查询所有充值订单", func(t *testing.T) {
+		params := &ListRechargeParams{
+			Page:     1,
+			PageSize: 20,
+		}
+		result, total, err := s.List(ctx, params)
+		require.NoError(t, err)
+		assert.GreaterOrEqual(t, total, int64(4))
+		assert.GreaterOrEqual(t, len(result), 4)
+	})
+
+	t.Run("按用户 ID 筛选", func(t *testing.T) {
+		userID := uint(200)
+		params := &ListRechargeParams{
+			Page:     1,
+			PageSize: 20,
+			UserID:   &userID,
+		}
+		result, total, err := s.List(ctx, params)
+		require.NoError(t, err)
+		assert.GreaterOrEqual(t, total, int64(2))
+		for _, r := range result {
+			assert.Equal(t, uint(200), r.UserID)
+		}
+	})
+
+	t.Run("按钱包 ID 筛选", func(t *testing.T) {
+		walletID := uint(300)
+		params := &ListRechargeParams{
+			Page:     1,
+			PageSize: 20,
+			WalletID: &walletID,
+		}
+		result, total, err := s.List(ctx, params)
+		require.NoError(t, err)
+		assert.GreaterOrEqual(t, total, int64(2))
+		for _, r := range result {
+			assert.Equal(t, uint(300), r.WalletID)
+		}
+	})
+
+	t.Run("按状态筛选", func(t *testing.T) {
+		status := 1 // 待支付
+		params := &ListRechargeParams{
+			Page:     1,
+			PageSize: 20,
+			Status:   &status,
+		}
+		result, total, err := s.List(ctx, params)
+		require.NoError(t, err)
+		assert.GreaterOrEqual(t, total, int64(2))
+		for _, r := range result {
+			assert.Equal(t, 1, r.Status)
+		}
+	})
+
+	t.Run("按时间范围筛选", func(t *testing.T) {
+		params := &ListRechargeParams{
+			Page:      1,
+			PageSize:  20,
+			StartTime: &yesterday,
+			EndTime:   &tomorrow,
+		}
+		result, total, err := s.List(ctx, params)
+		require.NoError(t, err)
+		assert.GreaterOrEqual(t, total, int64(4))
+		for _, r := range result {
+			assert.True(t, r.CreatedAt.After(yesterday) || r.CreatedAt.Equal(yesterday))
+			assert.True(t, r.CreatedAt.Before(tomorrow) || r.CreatedAt.Equal(tomorrow))
+		}
+	})
+
+	t.Run("组合筛选条件", func(t *testing.T) {
+		userID := uint(201)
+		status := 1
+		params := &ListRechargeParams{
+			Page:     1,
+			PageSize: 20,
+			UserID:   &userID,
+			Status:   &status,
+		}
+		result, total, err := s.List(ctx, params)
+		require.NoError(t, err)
+		assert.GreaterOrEqual(t, total, int64(1))
+		for _, r := range result {
+			assert.Equal(t, uint(201), r.UserID)
+			assert.Equal(t, 1, r.Status)
+		}
+	})
+
+	t.Run("分页查询", func(t *testing.T) {
+		params := &ListRechargeParams{
+			Page:     1,
+			PageSize: 2,
+		}
+		result, total, err := s.List(ctx, params)
+		require.NoError(t, err)
+		assert.GreaterOrEqual(t, total, int64(4))
+		assert.LessOrEqual(t, len(result), 2)
+	})
+
+	t.Run("默认分页参数", func(t *testing.T) {
+		params := &ListRechargeParams{
+			Page:     0, // 无效值，应使用默认值 1
+			PageSize: 0, // 无效值，应使用默认值 20
+		}
+		result, _, err := s.List(ctx, params)
+		require.NoError(t, err)
+		assert.NotNil(t, result)
+	})
+
+	t.Run("按 ID 降序排列", func(t *testing.T) {
+		params := &ListRechargeParams{
+			Page:     1,
+			PageSize: 20,
+		}
+		result, _, err := s.List(ctx, params)
+		require.NoError(t, err)
+		require.GreaterOrEqual(t, len(result), 2)
+		// 验证降序排列
+		for i := 0; i < len(result)-1; i++ {
+			assert.GreaterOrEqual(t, result[i].ID, result[i+1].ID)
+		}
+	})
+}
+
+func TestRechargeStore_UpdateStatus(t *testing.T) {
+	tx := testutils.NewTestTransaction(t)
+	rdb := testutils.GetTestRedis(t)
+	testutils.CleanTestRedisKeys(t, rdb)
+	s := NewRechargeStore(tx, rdb)
+	ctx := context.Background()
+
+	recharge := &model.RechargeRecord{
+		UserID:        300,
+		WalletID:      400,
+		RechargeNo:    "RCH20260131120000000020",
+		Amount:        50000,
+		PaymentMethod: "wechat",
+		Status:        1, // 待支付
+	}
+	require.NoError(t, s.Create(ctx, recharge))
+
+	t.Run("更新状态为已支付（无乐观锁）", func(t *testing.T) {
+		now := time.Now()
+		err := s.UpdateStatus(ctx, recharge.ID, nil, 2, &now, nil)
+		require.NoError(t, err)
+
+		updated, err := s.GetByID(ctx, recharge.ID)
+		require.NoError(t, err)
+		assert.Equal(t, 2, updated.Status)
+		assert.NotNil(t, updated.PaidAt)
+	})
+
+	t.Run("更新状态为已完成（带乐观锁）", func(t *testing.T) {
+		oldStatus := 2
+		now := time.Now()
+		err := s.UpdateStatus(ctx, recharge.ID, &oldStatus, 3, nil, &now)
+		require.NoError(t, err)
+
+		updated, err := s.GetByID(ctx, recharge.ID)
+		require.NoError(t, err)
+		assert.Equal(t, 3, updated.Status)
+		assert.NotNil(t, updated.CompletedAt)
+	})
+
+	t.Run("乐观锁检查失败", func(t *testing.T) {
+		oldStatus := 1 // 当前状态是 3，不是 1
+		err := s.UpdateStatus(ctx, recharge.ID, &oldStatus, 4, nil, nil)
+		require.Error(t, err)
+	})
+
+	t.Run("更新不存在的充值订单", func(t *testing.T) {
+		err := s.UpdateStatus(ctx, 99999, nil, 2, nil, nil)
+		require.Error(t, err)
+	})
+}
+
+func TestRechargeStore_UpdatePaymentInfo(t *testing.T) {
+	tx := testutils.NewTestTransaction(t)
+	rdb := testutils.GetTestRedis(t)
+	testutils.CleanTestRedisKeys(t, rdb)
+	s := NewRechargeStore(tx, rdb)
+	ctx := context.Background()
+
+	recharge := &model.RechargeRecord{
+		UserID:        400,
+		WalletID:      500,
+		RechargeNo:    "RCH20260131120000000030",
+		Amount:        60000,
+		PaymentMethod: "wechat",
+		Status:        1,
+	}
+	require.NoError(t, s.Create(ctx, recharge))
+
+	t.Run("更新支付渠道和交易号", func(t *testing.T) {
+		channel := "wechat_jsapi"
+		transactionID := "WX1234567890"
+		err := s.UpdatePaymentInfo(ctx, recharge.ID, &channel, &transactionID)
+		require.NoError(t, err)
+
+		updated, err := s.GetByID(ctx, recharge.ID)
+		require.NoError(t, err)
+		require.NotNil(t, updated.PaymentChannel)
+		assert.Equal(t, "wechat_jsapi", *updated.PaymentChannel)
+		require.NotNil(t, updated.PaymentTransactionID)
+		assert.Equal(t, "WX1234567890", *updated.PaymentTransactionID)
+	})
+
+	t.Run("只更新支付渠道", func(t *testing.T) {
+		channel := "alipay_h5"
+		err := s.UpdatePaymentInfo(ctx, recharge.ID, &channel, nil)
+		require.NoError(t, err)
+
+		updated, err := s.GetByID(ctx, recharge.ID)
+		require.NoError(t, err)
+		require.NotNil(t, updated.PaymentChannel)
+		assert.Equal(t, "alipay_h5", *updated.PaymentChannel)
+	})
+
+	t.Run("只更新交易号", func(t *testing.T) {
+		transactionID := "ALI9876543210"
+		err := s.UpdatePaymentInfo(ctx, recharge.ID, nil, &transactionID)
+		require.NoError(t, err)
+
+		updated, err := s.GetByID(ctx, recharge.ID)
+		require.NoError(t, err)
+		require.NotNil(t, updated.PaymentTransactionID)
+		assert.Equal(t, "ALI9876543210", *updated.PaymentTransactionID)
+	})
+
+	t.Run("不更新任何字段", func(t *testing.T) {
+		err := s.UpdatePaymentInfo(ctx, recharge.ID, nil, nil)
+		require.NoError(t, err)
+	})
+
+	t.Run("更新不存在的充值订单", func(t *testing.T) {
+		channel := "test_channel"
+		err := s.UpdatePaymentInfo(ctx, 99999, &channel, nil)
+		require.Error(t, err)
+	})
+}
+
+func TestRechargeStore_ConcurrentOperations(t *testing.T) {
+	tx := testutils.NewTestTransaction(t)
+	rdb := testutils.GetTestRedis(t)
+	testutils.CleanTestRedisKeys(t, rdb)
+	s := NewRechargeStore(tx, rdb)
+	ctx := context.Background()
+
+	// 创建多个充值订单
+	for i := 0; i < 10; i++ {
+		recharge := &model.RechargeRecord{
+			UserID:        uint(500 + i),
+			WalletID:      uint(600 + i),
+			RechargeNo:    "RCH20260131120000000040" + string(rune('0'+i)),
+			Amount:        int64(10000 * (i + 1)),
+			PaymentMethod: "wechat",
+			Status:        1,
+		}
+		require.NoError(t, s.Create(ctx, recharge))
+	}
+
+	// 验证查询
+	params := &ListRechargeParams{
+		Page:     1,
+		PageSize: 20,
+	}
+	result, total, err := s.List(ctx, params)
+	require.NoError(t, err)
+	assert.GreaterOrEqual(t, total, int64(10))
+	assert.GreaterOrEqual(t, len(result), 10)
+}