diff --git a/internal/handler/app/client_wallet.go b/internal/handler/app/client_wallet.go
index ed12acd..b2e96c6 100644
--- a/internal/handler/app/client_wallet.go
+++ b/internal/handler/app/client_wallet.go
@@ -288,14 +288,10 @@ func (h *ClientWalletHandler) CreateRecharge(c *fiber.Ctx) error {
 
 	// 先初始化微信支付实例并创建预支付订单，确认支付通道可用
 	// 避免先写入充值记录后支付初始化失败，导致产生孤儿记录
-	cache := wechat.NewRedisCache(h.redis)
-	paymentApp, err := wechat.NewPaymentAppFromConfig(config, appID, cache, h.logger)
-	if err != nil {
-		return errors.Wrap(errors.CodeWechatPayFailed, err, "初始化微信支付实例失败")
-	}
-	paymentService := wechat.NewPaymentService(paymentApp, h.logger)
-	payResult, err := paymentService.CreateJSAPIOrder(
+	payResult, err := h.createJSAPIPayOrder(
 		resolved.SkipPermissionCtx,
+		config,
+		appID,
 		rechargeNo,
 		"资产钱包充值",
 		openID,
@@ -585,6 +581,33 @@ func pickAppIDByType(config *model.WechatConfig, appType string) (string, error)
 	}
 }
 
+// createJSAPIPayOrder 根据支付配置的提供者类型路由到对应支付通道，发起 JSAPI 预下单。
+// 与 client_order.Service.newPaymentProvider 保持相同的路由逻辑，支持 wechat_v2 和 wechat（v3）。
+func (h *ClientWalletHandler) createJSAPIPayOrder(
+	ctx context.Context,
+	config *model.WechatConfig,
+	appID, orderNo, description, openID string,
+	amount int,
+) (*wechat.JSAPIPayResult, error) {
+	switch config.ProviderType {
+	case model.ProviderTypeWechatV2:
+		// 微信 v2：仅需 APIv2Key，无需证书序列号
+		svc, err := wechat.NewPaymentV2ServiceFromConfig(config, appID, h.logger)
+		if err != nil {
+			return nil, errors.Wrap(errors.CodeWechatPayFailed, err, "初始化微信 v2 支付实例失败")
+		}
+		return svc.CreateJSAPIOrder(ctx, orderNo, description, openID, amount)
+	default:
+		// 微信 v3（PowerWeChat）：需要证书序列号和 API v3 Key
+		cache := wechat.NewRedisCache(h.redis)
+		paymentApp, err := wechat.NewPaymentAppFromConfig(config, appID, cache, h.logger)
+		if err != nil {
+			return nil, errors.Wrap(errors.CodeWechatPayFailed, err, "初始化微信支付实例失败")
+		}
+		return wechat.NewPaymentService(paymentApp, h.logger).CreateJSAPIOrder(ctx, orderNo, description, openID, amount)
+	}
+}
+
 func generateClientRechargeNo() string {
 	timestamp := time.Now().Format("20060102150405")
 	randomNum := rand.Intn(1000000)