diff --git a/internal/handler/app/client_wallet.go b/internal/handler/app/client_wallet.go
index c76ca2c..fc1d851 100644
--- a/internal/handler/app/client_wallet.go
+++ b/internal/handler/app/client_wallet.go
@@ -279,6 +279,18 @@ func (h *ClientWalletHandler) CreateRecharge(c *fiber.Ctx) error {
 		return err
 	}
 
+	// 第三方支付方式与资产类型必须匹配：单卡只允许支付宝，设备只允许微信
+	switch resolved.Asset.AssetType {
+	case "card":
+		if req.PaymentMethod != constants.RechargeMethodAlipay {
+			return errors.New(errors.CodeInvalidParam, "单卡资产只支持支付宝充值")
+		}
+	case "device":
+		if req.PaymentMethod != constants.RechargeMethodWechat {
+			return errors.New(errors.CodeInvalidParam, "设备资产只支持微信充值")
+		}
+	}
+
 	config, err := h.wechatConfigService.GetActiveConfig(resolved.SkipPermissionCtx)
 	if err != nil {
 		return err
diff --git a/internal/service/client_order/service.go b/internal/service/client_order/service.go
index 155a08e..fd0a4bd 100644
--- a/internal/service/client_order/service.go
+++ b/internal/service/client_order/service.go
@@ -229,6 +229,18 @@ func (s *Service) CreateOrder(ctx context.Context, customerID uint, req *dto.Cli
 	}()
 
 	if forceRecharge.NeedForceRecharge {
+		// 强充第三方支付方式与资产类型必须匹配：单卡只允许支付宝，设备只允许微信
+		switch assetInfo.AssetType {
+		case "card":
+			if req.PaymentMethod != model.PaymentMethodAlipay {
+				return nil, errors.New(errors.CodeInvalidParam, "单卡资产强充只支持支付宝支付")
+			}
+		case constants.ResourceTypeDevice:
+			if req.PaymentMethod == model.PaymentMethodAlipay {
+				return nil, errors.New(errors.CodeInvalidParam, "设备资产强充只支持微信支付")
+			}
+		}
+
 		if req.PaymentMethod == model.PaymentMethodAlipay {
 			// 支付宝强充：不需要 app_type / OpenID
 			activeConfig, err := s.wechatConfigService.GetActiveConfig(skipCtx)
@@ -1241,6 +1253,20 @@ func (s *Service) PayOrder(ctx context.Context, customerID uint, orderID uint, r
 		return nil, errors.New(errors.CodeNeedRealname)
 	}
 
+	// 第三方支付方式与资产类型必须匹配：单卡只允许支付宝，设备只允许微信
+	if req.PaymentMethod == model.PaymentMethodWechat || req.PaymentMethod == model.PaymentMethodAlipay {
+		switch order.OrderType {
+		case model.OrderTypeSingleCard:
+			if req.PaymentMethod != model.PaymentMethodAlipay {
+				return nil, errors.New(errors.CodeInvalidParam, "单卡资产只支持支付宝支付")
+			}
+		case model.OrderTypeDevice:
+			if req.PaymentMethod != model.PaymentMethodWechat {
+				return nil, errors.New(errors.CodeInvalidParam, "设备资产只支持微信支付")
+			}
+		}
+	}
+
 	switch req.PaymentMethod {
 	case model.PaymentMethodWallet:
 		if err := s.orderPaymentService.WalletPay(skipCtx, orderID, model.BuyerTypePersonal, customerID); err != nil {