diff --git a/internal/routes/payment_merchant.go b/internal/routes/payment_merchant.go
index b34667c..84edbba 100644
--- a/internal/routes/payment_merchant.go
+++ b/internal/routes/payment_merchant.go
@@ -11,25 +11,32 @@ import (
 	"github.com/break/junhong_cmp_fiber/pkg/openapi"
 )
 
-func registerPaymentMerchantRoutes(router fiber.Router, handler *admin.PaymentMerchantHandler, doc *openapi.Generator, basePath string) {
-	group := router.Group("", func(c *fiber.Ctx) error {
+// requirePaymentMerchantAccess 校验当前用户是否有权访问支付商户配置，
+// 仅允许超级管理员和平台用户，其他角色直接返回无权限错误。
+func requirePaymentMerchantAccess(handler fiber.Handler) fiber.Handler {
+	return func(c *fiber.Ctx) error {
 		kind := middleware.GetUserTypeFromContext(c.UserContext())
 		if kind != constants.UserTypeSuperAdmin && kind != constants.UserTypePlatform {
 			return errors.New(errors.CodeForbidden, "无权限访问支付商户配置")
 		}
-		return c.Next()
-	})
-	Register(group, doc, basePath, "GET", "/payment-merchants", handler.ListMerchants, RouteSpec{Summary: "查询支付商户", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.PaymentMerchantListRequest), Output: new(dto.PaymentMerchantResponse), Auth: true})
-	Register(group, doc, basePath, "POST", "/payment-merchants", handler.CreateMerchant, RouteSpec{Summary: "创建支付商户", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.PaymentMerchantRequest), Output: new(dto.PaymentMerchantResponse), Auth: true})
-	Register(group, doc, basePath, "GET", "/payment-merchants/:id", handler.GetMerchant, RouteSpec{Summary: "查询支付商户详情", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.IDReq), Output: new(dto.PaymentMerchantResponse), Auth: true})
-	Register(group, doc, basePath, "PUT", "/payment-merchants/:id", handler.UpdateMerchant, RouteSpec{Summary: "更新支付商户", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.IDReq), Body: new(dto.PaymentMerchantUpdateRequest), Output: new(dto.PaymentMerchantResponse), Auth: true})
-	Register(group, doc, basePath, "DELETE", "/payment-merchants/:id", handler.DeleteMerchant, RouteSpec{Summary: "删除支付商户", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.IDReq), Body: new(dto.PaymentMerchantDeleteRequest), Output: nil, Auth: true})
-	Register(group, doc, basePath, "GET", "/payment-merchant-pools", handler.ListPools, RouteSpec{Summary: "查询商户池", Description: "仅超级管理员和平台用户可访问。支持分页，返回当前页商户池及其有序成员。", Tags: []string{"商户池管理"}, Input: new(dto.PaymentMerchantPoolListRequest), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
-	Register(group, doc, basePath, "GET", "/payment-merchant-pools/:id", handler.GetPool, RouteSpec{Summary: "查询商户池详情", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.IDReq), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
-	Register(group, doc, basePath, "POST", "/payment-merchant-pools", handler.CreatePool, RouteSpec{Summary: "创建商户池", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.PaymentMerchantPoolRequest), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
-	Register(group, doc, basePath, "PUT", "/payment-merchant-pools/:id", handler.UpdatePool, RouteSpec{Summary: "更新商户池", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.IDReq), Body: new(dto.PaymentMerchantPoolRequest), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
-	Register(group, doc, basePath, "POST", "/payment-merchant-pools/:id/enable", handler.EnablePool, RouteSpec{Summary: "启用商户池", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.IDReq), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
-	Register(group, doc, basePath, "POST", "/payment-merchant-pools/:id/disable", handler.DisablePool, RouteSpec{Summary: "停用商户池", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.IDReq), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
-	Register(group, doc, basePath, "GET", "/wechat-authorizations", handler.GetAuthorization, RouteSpec{Summary: "获取微信授权配置", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"微信授权配置"}, Output: new(dto.WechatAuthorizationResponse), Auth: true})
-	Register(group, doc, basePath, "PUT", "/wechat-authorizations/current", handler.SaveAuthorization, RouteSpec{Summary: "保存微信授权配置", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"微信授权配置"}, Input: new(dto.WechatAuthorizationRequest), Output: new(dto.WechatAuthorizationResponse), Auth: true})
+		return handler(c)
+	}
+}
+
+func registerPaymentMerchantRoutes(router fiber.Router, handler *admin.PaymentMerchantHandler, doc *openapi.Generator, basePath string) {
+	group := router
+	wrap := requirePaymentMerchantAccess
+	Register(group, doc, basePath, "GET", "/payment-merchants", wrap(handler.ListMerchants), RouteSpec{Summary: "查询支付商户", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.PaymentMerchantListRequest), Output: new(dto.PaymentMerchantResponse), Auth: true})
+	Register(group, doc, basePath, "POST", "/payment-merchants", wrap(handler.CreateMerchant), RouteSpec{Summary: "创建支付商户", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.PaymentMerchantRequest), Output: new(dto.PaymentMerchantResponse), Auth: true})
+	Register(group, doc, basePath, "GET", "/payment-merchants/:id", wrap(handler.GetMerchant), RouteSpec{Summary: "查询支付商户详情", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.IDReq), Output: new(dto.PaymentMerchantResponse), Auth: true})
+	Register(group, doc, basePath, "PUT", "/payment-merchants/:id", wrap(handler.UpdateMerchant), RouteSpec{Summary: "更新支付商户", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.IDReq), Body: new(dto.PaymentMerchantUpdateRequest), Output: new(dto.PaymentMerchantResponse), Auth: true})
+	Register(group, doc, basePath, "DELETE", "/payment-merchants/:id", wrap(handler.DeleteMerchant), RouteSpec{Summary: "删除支付商户", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"支付商户管理"}, Input: new(dto.IDReq), Body: new(dto.PaymentMerchantDeleteRequest), Output: nil, Auth: true})
+	Register(group, doc, basePath, "GET", "/payment-merchant-pools", wrap(handler.ListPools), RouteSpec{Summary: "查询商户池", Description: "仅超级管理员和平台用户可访问。支持分页，返回当前页商户池及其有序成员。", Tags: []string{"商户池管理"}, Input: new(dto.PaymentMerchantPoolListRequest), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
+	Register(group, doc, basePath, "GET", "/payment-merchant-pools/:id", wrap(handler.GetPool), RouteSpec{Summary: "查询商户池详情", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.IDReq), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
+	Register(group, doc, basePath, "POST", "/payment-merchant-pools", wrap(handler.CreatePool), RouteSpec{Summary: "创建商户池", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.PaymentMerchantPoolRequest), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
+	Register(group, doc, basePath, "PUT", "/payment-merchant-pools/:id", wrap(handler.UpdatePool), RouteSpec{Summary: "更新商户池", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.IDReq), Body: new(dto.PaymentMerchantPoolRequest), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
+	Register(group, doc, basePath, "POST", "/payment-merchant-pools/:id/enable", wrap(handler.EnablePool), RouteSpec{Summary: "启用商户池", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.IDReq), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
+	Register(group, doc, basePath, "POST", "/payment-merchant-pools/:id/disable", wrap(handler.DisablePool), RouteSpec{Summary: "停用商户池", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"商户池管理"}, Input: new(dto.IDReq), Output: new(dto.PaymentMerchantPoolResponse), Auth: true})
+	Register(group, doc, basePath, "GET", "/wechat-authorizations", wrap(handler.GetAuthorization), RouteSpec{Summary: "获取微信授权配置", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"微信授权配置"}, Output: new(dto.WechatAuthorizationResponse), Auth: true})
+	Register(group, doc, basePath, "PUT", "/wechat-authorizations/current", wrap(handler.SaveAuthorization), RouteSpec{Summary: "保存微信授权配置", Description: "仅超级管理员和平台用户可访问。", Tags: []string{"微信授权配置"}, Input: new(dto.WechatAuthorizationRequest), Output: new(dto.WechatAuthorizationResponse), Auth: true})
 }