diff --git a/migrations/000211_add_payment_merchant_column_comments.down.sql b/migrations/000211_add_payment_merchant_column_comments.down.sql
new file mode 100644
index 0000000..4beb819
--- /dev/null
+++ b/migrations/000211_add_payment_merchant_column_comments.down.sql
@@ -0,0 +1,80 @@
+-- 回滚商户池支付路由字段级备注：仅将 000211 补充的字段 COMMENT 置空。
+-- 表级 COMMENT 由 000210 提供，本迁移不做处理。
+
+COMMENT ON COLUMN tb_payment_merchant.id IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.name IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.payment_method IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.provider_type IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.merchant_identity IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.credentials IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.credential_version IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.status IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.remark IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.creator IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.updater IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.created_at IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.updated_at IS NULL;
+COMMENT ON COLUMN tb_payment_merchant.deleted_at IS NULL;
+
+COMMENT ON COLUMN tb_payment_merchant_pool.id IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.name IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.payment_method IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.status IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.strategy IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.threshold_amount IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.threshold_count IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.statistic_cycle IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.time_period_value IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.time_period_unit IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.time_period_started_at IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.routing_epoch IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.remark IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.creator IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.updater IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.created_at IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.updated_at IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool.deleted_at IS NULL;
+
+COMMENT ON COLUMN tb_payment_merchant_pool_member.id IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool_member.pool_id IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool_member.merchant_id IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool_member.sort_order IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool_member.creator IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool_member.updater IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool_member.created_at IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool_member.updated_at IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_pool_member.deleted_at IS NULL;
+
+COMMENT ON COLUMN tb_wechat_authorization.id IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.oa_app_id IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.oa_app_secret IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.oa_token IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.oa_aes_key IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.oa_oauth_redirect_url IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.miniapp_app_id IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.miniapp_app_secret IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.credential_version IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.status IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.creator IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.updater IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.created_at IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.updated_at IS NULL;
+COMMENT ON COLUMN tb_wechat_authorization.deleted_at IS NULL;
+
+COMMENT ON COLUMN tb_payment_merchant_routing_success.id IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_routing_success.payment_id IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_routing_success.merchant_id IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_routing_success.pool_id IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_routing_success.routing_epoch IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_routing_success.amount IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_routing_success.paid_at IS NULL;
+COMMENT ON COLUMN tb_payment_merchant_routing_success.created_at IS NULL;
+
+COMMENT ON COLUMN tb_payment.merchant_id IS NULL;
+COMMENT ON COLUMN tb_payment.merchant_pool_id IS NULL;
+COMMENT ON COLUMN tb_payment.merchant_name_snapshot IS NULL;
+COMMENT ON COLUMN tb_payment.merchant_payment_method_snapshot IS NULL;
+COMMENT ON COLUMN tb_payment.merchant_provider_type_snapshot IS NULL;
+COMMENT ON COLUMN tb_payment.merchant_pool_name_snapshot IS NULL;
+COMMENT ON COLUMN tb_payment.routing_strategy_snapshot IS NULL;
+COMMENT ON COLUMN tb_payment.routing_epoch IS NULL;
diff --git a/migrations/000211_add_payment_merchant_column_comments.up.sql b/migrations/000211_add_payment_merchant_column_comments.up.sql
new file mode 100644
index 0000000..8270667
--- /dev/null
+++ b/migrations/000211_add_payment_merchant_column_comments.up.sql
@@ -0,0 +1,86 @@
+-- 补齐商户池支付路由各表字段级中文备注。
+-- 仅补充 COMMENT，不改变任何表结构或数据。
+
+-- 实际收款商户
+COMMENT ON COLUMN tb_payment_merchant.id IS '主键，收款商户ID';
+COMMENT ON COLUMN tb_payment_merchant.name IS '商户显示名称';
+COMMENT ON COLUMN tb_payment_merchant.payment_method IS '支付方式：wechat 微信、alipay 支付宝；与 merchant_identity 在未删除记录中唯一';
+COMMENT ON COLUMN tb_payment_merchant.provider_type IS '渠道类型：wechat 微信V3、wechat_v2 微信V2、fuiou 富友、alipay 支付宝';
+COMMENT ON COLUMN tb_payment_merchant.merchant_identity IS '渠道侧商户标识，如微信商户号、富友商户号、支付宝应用ID';
+COMMENT ON COLUMN tb_payment_merchant.credentials IS '渠道凭证 JSON，按 provider_type 保存密钥/证书等敏感字段，仅整体轮换、禁止对外输出';
+COMMENT ON COLUMN tb_payment_merchant.credential_version IS '凭证版本号，密钥轮换时递增，最小为 1';
+COMMENT ON COLUMN tb_payment_merchant.status IS '状态：0 禁用、1 启用';
+COMMENT ON COLUMN tb_payment_merchant.remark IS '备注';
+COMMENT ON COLUMN tb_payment_merchant.creator IS '创建人用户ID，0 表示系统';
+COMMENT ON COLUMN tb_payment_merchant.updater IS '最近更新人用户ID，0 表示系统';
+COMMENT ON COLUMN tb_payment_merchant.created_at IS '创建时间';
+COMMENT ON COLUMN tb_payment_merchant.updated_at IS '最近更新时间';
+COMMENT ON COLUMN tb_payment_merchant.deleted_at IS '软删除时间，非空表示已删除';
+
+-- 商户池
+COMMENT ON COLUMN tb_payment_merchant_pool.id IS '主键，商户池ID';
+COMMENT ON COLUMN tb_payment_merchant_pool.name IS '商户池名称，未删除记录中唯一';
+COMMENT ON COLUMN tb_payment_merchant_pool.payment_method IS '支付方式：wechat 微信、alipay 支付宝；同一支付方式至多一个启用池';
+COMMENT ON COLUMN tb_payment_merchant_pool.status IS '状态：0 禁用、1 启用';
+COMMENT ON COLUMN tb_payment_merchant_pool.strategy IS '轮询策略：amount 金额阈值、count 笔数阈值、time 时间轮询';
+COMMENT ON COLUMN tb_payment_merchant_pool.threshold_amount IS '金额策略阈值（单位：分），统计周期内单商户收款金额达到即切换下一成员';
+COMMENT ON COLUMN tb_payment_merchant_pool.threshold_count IS '笔数策略阈值，统计周期内单商户收款笔数达到即切换下一成员';
+COMMENT ON COLUMN tb_payment_merchant_pool.statistic_cycle IS '统计周期：round 累计、day 自然日、month 自然月；amount/count 策略必填，time 策略为空';
+COMMENT ON COLUMN tb_payment_merchant_pool.time_period_value IS '时间策略周期长度，与 time_period_unit 组成轮询周期';
+COMMENT ON COLUMN tb_payment_merchant_pool.time_period_unit IS '时间策略周期单位：minute 分钟、hour 小时、day 天';
+COMMENT ON COLUMN tb_payment_merchant_pool.time_period_started_at IS '时间策略周期起点，周期到期切换到下一成员';
+COMMENT ON COLUMN tb_payment_merchant_pool.routing_epoch IS '路由统计世代，池成员或策略变更及阈值达成时递增；统计按世代隔离，最小为 1';
+COMMENT ON COLUMN tb_payment_merchant_pool.remark IS '备注';
+COMMENT ON COLUMN tb_payment_merchant_pool.creator IS '创建人用户ID，0 表示系统';
+COMMENT ON COLUMN tb_payment_merchant_pool.updater IS '最近更新人用户ID，0 表示系统';
+COMMENT ON COLUMN tb_payment_merchant_pool.created_at IS '创建时间';
+COMMENT ON COLUMN tb_payment_merchant_pool.updated_at IS '最近更新时间';
+COMMENT ON COLUMN tb_payment_merchant_pool.deleted_at IS '软删除时间，非空表示已删除';
+
+-- 商户池有序成员
+COMMENT ON COLUMN tb_payment_merchant_pool_member.id IS '主键';
+COMMENT ON COLUMN tb_payment_merchant_pool_member.pool_id IS '所属商户池ID';
+COMMENT ON COLUMN tb_payment_merchant_pool_member.merchant_id IS '成员收款商户ID，未删除时池内唯一';
+COMMENT ON COLUMN tb_payment_merchant_pool_member.sort_order IS '池内轮询顺序，从 0 递增，未删除时池内唯一';
+COMMENT ON COLUMN tb_payment_merchant_pool_member.creator IS '创建人用户ID，0 表示系统';
+COMMENT ON COLUMN tb_payment_merchant_pool_member.updater IS '最近更新人用户ID，0 表示系统';
+COMMENT ON COLUMN tb_payment_merchant_pool_member.created_at IS '创建时间';
+COMMENT ON COLUMN tb_payment_merchant_pool_member.updated_at IS '最近更新时间';
+COMMENT ON COLUMN tb_payment_merchant_pool_member.deleted_at IS '软删除时间，非空表示已移出池';
+
+-- C端微信授权配置
+COMMENT ON COLUMN tb_wechat_authorization.id IS '主键';
+COMMENT ON COLUMN tb_wechat_authorization.oa_app_id IS '微信公众号 AppID';
+COMMENT ON COLUMN tb_wechat_authorization.oa_app_secret IS '微信公众号 AppSecret，敏感凭证，禁止对外输出';
+COMMENT ON COLUMN tb_wechat_authorization.oa_token IS '公众号消息校验 Token';
+COMMENT ON COLUMN tb_wechat_authorization.oa_aes_key IS '公众号消息加解密 AES Key，敏感凭证';
+COMMENT ON COLUMN tb_wechat_authorization.oa_oauth_redirect_url IS '公众号网页授权回调地址';
+COMMENT ON COLUMN tb_wechat_authorization.miniapp_app_id IS '微信小程序 AppID';
+COMMENT ON COLUMN tb_wechat_authorization.miniapp_app_secret IS '微信小程序 AppSecret，敏感凭证，禁止对外输出';
+COMMENT ON COLUMN tb_wechat_authorization.credential_version IS '凭证版本号，密钥轮换时递增，最小为 1';
+COMMENT ON COLUMN tb_wechat_authorization.status IS '状态：0 禁用、1 启用；全局至多一条启用记录';
+COMMENT ON COLUMN tb_wechat_authorization.creator IS '创建人用户ID，0 表示系统';
+COMMENT ON COLUMN tb_wechat_authorization.updater IS '最近更新人用户ID，0 表示系统';
+COMMENT ON COLUMN tb_wechat_authorization.created_at IS '创建时间';
+COMMENT ON COLUMN tb_wechat_authorization.updated_at IS '最近更新时间';
+COMMENT ON COLUMN tb_wechat_authorization.deleted_at IS '软删除时间，非空表示已删除';
+
+-- 路由成功累计事实
+COMMENT ON COLUMN tb_payment_merchant_routing_success.id IS '主键';
+COMMENT ON COLUMN tb_payment_merchant_routing_success.payment_id IS '支付ID，唯一；仅在支付首次成功时写入，之后不可变';
+COMMENT ON COLUMN tb_payment_merchant_routing_success.merchant_id IS '收款商户ID，支付创建时冻结';
+COMMENT ON COLUMN tb_payment_merchant_routing_success.pool_id IS '商户池ID，支付创建时冻结';
+COMMENT ON COLUMN tb_payment_merchant_routing_success.routing_epoch IS '支付创建时冻结的商户池统计世代，统计按世代隔离';
+COMMENT ON COLUMN tb_payment_merchant_routing_success.amount IS '支付金额（单位：分）';
+COMMENT ON COLUMN tb_payment_merchant_routing_success.paid_at IS '支付首次成功时间';
+COMMENT ON COLUMN tb_payment_merchant_routing_success.created_at IS '记录创建时间';
+
+-- 支付单路由字段与快照
+COMMENT ON COLUMN tb_payment.merchant_id IS '路由选中的收款商户ID，支付创建时冻结；空表示未走商户池路由';
+COMMENT ON COLUMN tb_payment.merchant_pool_id IS '路由选中的商户池ID，支付创建时冻结；空表示未走商户池路由';
+COMMENT ON COLUMN tb_payment.merchant_name_snapshot IS '收款商户名称快照，商户后续改名不影响历史单据展示';
+COMMENT ON COLUMN tb_payment.merchant_payment_method_snapshot IS '收款商户支付方式快照：wechat 微信、alipay 支付宝';
+COMMENT ON COLUMN tb_payment.merchant_provider_type_snapshot IS '收款商户渠道类型快照：wechat 微信V3、wechat_v2 微信V2、fuiou 富友、alipay 支付宝';
+COMMENT ON COLUMN tb_payment.merchant_pool_name_snapshot IS '商户池名称快照，池后续改名不影响历史单据展示';
+COMMENT ON COLUMN tb_payment.routing_strategy_snapshot IS '路由策略快照：amount 金额阈值、count 笔数阈值、time 时间轮询';
+COMMENT ON COLUMN tb_payment.routing_epoch IS '支付创建时冻结的商户池统计世代，决定该支付成功后的统计归属';