diff --git a/internal/service/order/service.go b/internal/service/order/service.go
index c529775..893b630 100644
--- a/internal/service/order/service.go
+++ b/internal/service/order/service.go
@@ -25,6 +25,12 @@ import (
 	"gorm.io/gorm"
 )
 
+// WechatConfigServiceInterface 支付配置服务接口
+// 用于查询当前生效的支付配置
+type WechatConfigServiceInterface interface {
+	GetActiveConfig(ctx context.Context) (*model.WechatConfig, error)
+}
+
 type Service struct {
 	db                         *gorm.DB
 	redis                      *redis.Client
@@ -40,6 +46,7 @@ type Service struct {
 	packageSeriesStore         *postgres.PackageSeriesStore
 	packageUsageStore          *postgres.PackageUsageStore
 	packageStore               *postgres.PackageStore
+	wechatConfigService        WechatConfigServiceInterface
 	wechatPayment              wechat.PaymentServiceInterface
 	queueClient                *queue.Client
 	logger                     *zap.Logger
@@ -60,6 +67,7 @@ func New(
 	packageSeriesStore *postgres.PackageSeriesStore,
 	packageUsageStore *postgres.PackageUsageStore,
 	packageStore *postgres.PackageStore,
+	wechatConfigService WechatConfigServiceInterface,
 	wechatPayment wechat.PaymentServiceInterface,
 	queueClient *queue.Client,
 	logger *zap.Logger,
@@ -79,6 +87,7 @@ func New(
 		packageSeriesStore:         packageSeriesStore,
 		packageUsageStore:          packageUsageStore,
 		packageStore:               packageStore,
+		wechatConfigService:        wechatConfigService,
 		wechatPayment:              wechatPayment,
 		queueClient:                queueClient,
 		logger:                     logger,
@@ -543,6 +552,18 @@ func (s *Service) CreateAdminOrder(ctx context.Context, req *dto.CreateAdminOrde
 		return nil, errors.New(errors.CodeInvalidParam, "后台仅支持钱包支付或线下支付")
 	}
 
+	// 查询当前生效的支付配置
+	var paymentConfigID *uint
+	if req.PaymentMethod == model.PaymentMethodWechat || req.PaymentMethod == model.PaymentMethodAlipay {
+		activeConfig, err := s.wechatConfigService.GetActiveConfig(ctx)
+		if err != nil {
+			s.logger.Warn("查询生效支付配置失败", zap.Error(err))
+		}
+		if activeConfig != nil {
+			paymentConfigID = &activeConfig.ID
+		}
+	}
+
 	order := &model.Order{
 		BaseModel: model.BaseModel{
 			Creator: userID,
@@ -568,6 +589,7 @@ func (s *Service) CreateAdminOrder(ctx context.Context, req *dto.CreateAdminOrde
 		OperatorType:            operatorType,
 		ActualPaidAmount:        actualPaidAmount,
 		PurchaseRole:            purchaseRole,
+		PaymentConfigID:         paymentConfigID,
 	}
 
 	items := s.buildOrderItems(userID, validationResult.Packages)
@@ -775,6 +797,18 @@ func (s *Service) CreateH5Order(ctx context.Context, req *dto.CreateOrderRequest
 		}
 	}
 
+	// 查询当前生效的支付配置
+	var h5PaymentConfigID *uint
+	if req.PaymentMethod == model.PaymentMethodWechat || req.PaymentMethod == model.PaymentMethodAlipay {
+		activeConfig, err := s.wechatConfigService.GetActiveConfig(ctx)
+		if err != nil {
+			s.logger.Warn("查询生效支付配置失败", zap.Error(err))
+		}
+		if activeConfig != nil {
+			h5PaymentConfigID = &activeConfig.ID
+		}
+	}
+
 	order := &model.Order{
 		BaseModel: model.BaseModel{
 			Creator: userID,
@@ -801,6 +835,7 @@ func (s *Service) CreateH5Order(ctx context.Context, req *dto.CreateOrderRequest
 		ActualPaidAmount:        actualPaidAmount,
 		PurchaseRole:            purchaseRole,
 		ExpiresAt:               expiresAt,
+		PaymentConfigID:         h5PaymentConfigID,
 	}
 
 	items := s.buildOrderItems(userID, validationResult.Packages)
@@ -2056,6 +2091,7 @@ func (s *Service) buildOrderResponse(order *model.Order, items []*model.OrderIte
 }
 
 // WechatPayJSAPI 发起微信 JSAPI 支付
+// TODO: 从 payment_config_id 加载配置动态创建 Payment 实例，替代 s.wechatPayment 单例
 func (s *Service) WechatPayJSAPI(ctx context.Context, orderID uint, openID string, buyerType string, buyerID uint) (*dto.WechatPayJSAPIResponse, error) {
 	if s.wechatPayment == nil {
 		s.logger.Error("微信支付服务未配置")
@@ -2111,6 +2147,7 @@ func (s *Service) WechatPayJSAPI(ctx context.Context, orderID uint, openID strin
 }
 
 // WechatPayH5 发起微信 H5 支付
+// TODO: 从 payment_config_id 加载配置动态创建 Payment 实例，替代 s.wechatPayment 单例
 func (s *Service) WechatPayH5(ctx context.Context, orderID uint, sceneInfo *dto.WechatH5SceneInfo, buyerType string, buyerID uint) (*dto.WechatPayH5Response, error) {
 	if s.wechatPayment == nil {
 		s.logger.Error("微信支付服务未配置")
@@ -2301,3 +2338,15 @@ func (s *Service) GetPurchaseCheck(ctx context.Context, req *dto.PurchaseCheckRe
 
 	return response, nil
 }
+
+// FuiouPayJSAPI 富友公众号 JSAPI 支付发起（留桩）
+// TODO: 实现富友支付发起逻辑
+func (s *Service) FuiouPayJSAPI(ctx context.Context, orderID uint, openID string, buyerType string, buyerID uint) error {
+	return errors.New(errors.CodeFuiouPayFailed, "富友支付发起暂未实现")
+}
+
+// FuiouPayMiniApp 富友小程序支付发起（留桩）
+// TODO: 实现富友小程序支付发起逻辑
+func (s *Service) FuiouPayMiniApp(ctx context.Context, orderID uint, openID string, buyerType string, buyerID uint) error {
+	return errors.New(errors.CodeFuiouPayFailed, "富友小程序支付发起暂未实现")
+}
diff --git a/internal/service/recharge/service.go b/internal/service/recharge/service.go
index c17efd5..bda213b 100644
--- a/internal/service/recharge/service.go
+++ b/internal/service/recharge/service.go
@@ -28,6 +28,11 @@ type ForceRechargeRequirement struct {
 	FirstCommissionPaid bool   `json:"first_commission_paid"` // 一次性佣金是否已发放
 }
 
+// WechatConfigServiceInterface 支付配置服务接口
+type WechatConfigServiceInterface interface {
+	GetActiveConfig(ctx context.Context) (*model.WechatConfig, error)
+}
+
 // Service 充值服务
 // 负责资产钱包（IoT卡/设备）的充值订单创建、预检、支付回调处理等业务逻辑
 type Service struct {
@@ -40,6 +45,7 @@ type Service struct {
 	shopSeriesAllocationStore   *postgres.ShopSeriesAllocationStore
 	packageSeriesStore          *postgres.PackageSeriesStore
 	commissionRecordStore       *postgres.CommissionRecordStore
+	wechatConfigService         WechatConfigServiceInterface
 	logger                      *zap.Logger
 }
 
@@ -54,6 +60,7 @@ func New(
 	shopSeriesAllocationStore *postgres.ShopSeriesAllocationStore,
 	packageSeriesStore *postgres.PackageSeriesStore,
 	commissionRecordStore *postgres.CommissionRecordStore,
+	wechatConfigService WechatConfigServiceInterface,
 	logger *zap.Logger,
 ) *Service {
 	return &Service{
@@ -66,6 +73,7 @@ func New(
 		shopSeriesAllocationStore:   shopSeriesAllocationStore,
 		packageSeriesStore:          packageSeriesStore,
 		commissionRecordStore:       commissionRecordStore,
+		wechatConfigService:         wechatConfigService,
 		logger:                      logger,
 	}
 }
@@ -114,7 +122,19 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 	// 4. 生成充值订单号
 	rechargeNo := s.generateRechargeNo()
 
-	// 5. 创建充值订单
+	// 5. 查询当前生效的支付配置
+	var paymentConfigID *uint
+	if req.PaymentMethod == "wechat" || req.PaymentMethod == "alipay" {
+		activeConfig, err := s.wechatConfigService.GetActiveConfig(ctx)
+		if err != nil {
+			s.logger.Warn("查询生效支付配置失败", zap.Error(err))
+		}
+		if activeConfig != nil {
+			paymentConfigID = &activeConfig.ID
+		}
+	}
+
+	// 6. 创建充值订单
 	recharge := &model.AssetRechargeRecord{
 		UserID:          userID,
 		AssetWalletID:   wallet.ID,
@@ -123,6 +143,7 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 		RechargeNo:      rechargeNo,
 		Amount:          req.Amount,
 		PaymentMethod:   req.PaymentMethod,
+		PaymentConfigID: paymentConfigID,
 		Status:          constants.RechargeStatusPending,
 		ShopIDTag:       wallet.ShopIDTag,
 		EnterpriseIDTag: wallet.EnterpriseIDTag,
@@ -247,6 +268,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 
 // HandlePaymentCallback 支付回调处理
 // 支持幂等性检查、事务处理、更新余额、触发佣金
+// TODO: 按 payment_config_id 加载配置验签（当前留桩，验签由外层处理）
 func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string, paymentMethod string, paymentTransactionID string) error {
 	// 1. 查询充值订单
 	recharge, err := s.assetRechargeStore.GetByRechargeNo(ctx, rechargeNo)