diff --git a/frontend/src/components/payment/PaymentQRDialog.vue b/frontend/src/components/payment/PaymentQRDialog.vue
index db90c3b6..09d273cc 100644
--- a/frontend/src/components/payment/PaymentQRDialog.vue
+++ b/frontend/src/components/payment/PaymentQRDialog.vue
@@ -78,7 +78,7 @@ import Icon from '@/components/icons/Icon.vue'
 import { usePaymentStore } from '@/stores/payment'
 import { useAppStore } from '@/stores'
 import { paymentAPI } from '@/api/payment'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import { getPaymentPopupFeatures } from '@/components/payment/providerConfig'
 import type { PaymentOrder } from '@/types/payment'
 import QRCode from 'qrcode'
@@ -222,7 +222,7 @@ async function handleCancel() {
     cleanup()
     emit('close')
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally {
     cancelling.value = false
   }
diff --git a/frontend/src/components/payment/PaymentStatusPanel.vue b/frontend/src/components/payment/PaymentStatusPanel.vue
index 17541e59..53989dee 100644
--- a/frontend/src/components/payment/PaymentStatusPanel.vue
+++ b/frontend/src/components/payment/PaymentStatusPanel.vue
@@ -124,7 +124,7 @@ import { useI18n } from 'vue-i18n'
 import { usePaymentStore } from '@/stores/payment'
 import { useAppStore } from '@/stores'
 import { paymentAPI } from '@/api/payment'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import { getPaymentPopupFeatures } from '@/components/payment/providerConfig'
 import type { PaymentOrder } from '@/types/payment'
 import Icon from '@/components/icons/Icon.vue'
@@ -242,7 +242,7 @@ async function handleCancel() {
     cleanup()
     outcome.value = 'cancelled'
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally {
     cancelling.value = false
   }
diff --git a/frontend/src/components/payment/StripePaymentInline.vue b/frontend/src/components/payment/StripePaymentInline.vue
index 3ddff8c8..bdb0dd6b 100644
--- a/frontend/src/components/payment/StripePaymentInline.vue
+++ b/frontend/src/components/payment/StripePaymentInline.vue
@@ -67,7 +67,7 @@
 import { ref, onMounted, nextTick } from 'vue'
 import { useI18n } from 'vue-i18n'
 import { useRouter } from 'vue-router'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import { paymentAPI } from '@/api/payment'
 import { useAppStore } from '@/stores'
 import { getPaymentPopupFeatures } from '@/components/payment/providerConfig'
@@ -132,7 +132,7 @@ onMounted(async () => {
       selectedType.value = event.value.type
     })
   } catch (err: unknown) {
-    initError.value = extractApiErrorMessage(err, t('payment.stripeLoadFailed'))
+    initError.value = extractI18nErrorMessage(err, t, 'payment.errors', t('payment.stripeLoadFailed'))
   } finally {
     loading.value = false
   }
@@ -186,7 +186,7 @@ async function handlePay() {
       emit('success')
     }
   } catch (err: unknown) {
-    error.value = extractApiErrorMessage(err, t('payment.result.failed'))
+    error.value = extractI18nErrorMessage(err, t, 'payment.errors', t('payment.result.failed'))
   } finally {
     submitting.value = false
   }
@@ -199,7 +199,7 @@ async function handleCancel() {
     await paymentAPI.cancelOrder(props.orderId)
     emit('back')
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally {
     cancelling.value = false
   }
diff --git a/frontend/src/components/payment/providerConfig.ts b/frontend/src/components/payment/providerConfig.ts
index bf2d4177..f4f5acdc 100644
--- a/frontend/src/components/payment/providerConfig.ts
+++ b/frontend/src/components/payment/providerConfig.ts
@@ -99,9 +99,9 @@ export const PROVIDER_CONFIG_FIELDS: Record<string, ConfigFieldDef[]> = {
     { key: 'mchId', label: '', sensitive: false },
     { key: 'privateKey', label: '', sensitive: true },
     { key: 'apiV3Key', label: '', sensitive: true },
+    { key: 'certSerial', label: '', sensitive: false },
     { key: 'publicKey', label: '', sensitive: true },
-    { key: 'publicKeyId', label: '', sensitive: false, optional: true },
-    { key: 'certSerial', label: '', sensitive: false, optional: true },
+    { key: 'publicKeyId', label: '', sensitive: false },
   ],
   stripe: [
     { key: 'secretKey', label: '', sensitive: true },
diff --git a/frontend/src/i18n/locales/en.ts b/frontend/src/i18n/locales/en.ts
index c0a17d96..8213cb0f 100644
--- a/frontend/src/i18n/locales/en.ts
+++ b/frontend/src/i18n/locales/en.ts
@@ -5432,7 +5432,33 @@ export default {
     errors: {
       tooManyPending: 'Too many pending orders (max {max}). Please complete or cancel existing orders first.',
       cancelRateLimited: 'Too many cancellations. Please try again later.',
+      // Structured error codes (reason strings from backend ApplicationError)
+      PAYMENT_DISABLED: 'Payment system is disabled.',
+      USER_INACTIVE: 'Your account is disabled.',
+      BALANCE_PAYMENT_DISABLED: 'Balance recharge has been disabled.',
+      INVALID_AMOUNT: 'Invalid amount.',
+      INVALID_INPUT: 'Invalid request.',
+      PLAN_NOT_AVAILABLE: 'Plan not found or no longer available.',
+      GROUP_NOT_FOUND: 'Subscription group is no longer available.',
+      GROUP_TYPE_MISMATCH: 'Group is not a subscription type.',
+      TOO_MANY_PENDING: 'Too many pending orders (max {max}). Please complete or cancel existing orders first.',
+      DAILY_LIMIT_EXCEEDED: 'Daily recharge limit reached. Remaining: {remaining}.',
+      PAYMENT_GATEWAY_ERROR: 'Payment method is unavailable.',
+      NO_AVAILABLE_INSTANCE: 'No payment channel available right now.',
+      PAYMENT_PROVIDER_MISCONFIGURED: 'Payment provider misconfigured. Please contact an administrator.',
+      WXPAY_CONFIG_MISSING_KEY: 'WeChat Pay config missing required key: {key}.',
+      WXPAY_CONFIG_INVALID_KEY_LENGTH: 'WeChat Pay {key} length is invalid (expected {expected} bytes, got {actual}).',
+      WXPAY_CONFIG_INVALID_KEY: 'WeChat Pay {key} is malformed. Make sure you copied the full PEM content.',
       PENDING_ORDERS: 'This provider has pending orders. Please wait for them to complete before making changes.',
+      CANCEL_RATE_LIMITED: 'Too many cancellations. Please try again later.',
+      NOT_FOUND: 'Order not found.',
+      FORBIDDEN: 'No permission for this order.',
+      CONFLICT: 'Order status has changed. Please refresh.',
+      INVALID_ORDER_TYPE: 'Only balance orders can request a refund.',
+      INVALID_STATUS: 'The current order status does not allow this operation.',
+      BALANCE_NOT_ENOUGH: 'Refund amount exceeds balance.',
+      REFUND_AMOUNT_EXCEEDED: 'Refund amount exceeds the recharge amount.',
+      REFUND_FAILED: 'Refund failed.',
     },
     stripePay: 'Pay Now',
     stripeSuccessProcessing: 'Payment successful, processing your order...',
diff --git a/frontend/src/i18n/locales/zh.ts b/frontend/src/i18n/locales/zh.ts
index ba9edd7f..5f936965 100644
--- a/frontend/src/i18n/locales/zh.ts
+++ b/frontend/src/i18n/locales/zh.ts
@@ -5620,7 +5620,33 @@ export default {
     errors: {
       tooManyPending: '待支付订单过多（最多 {max} 个），请先完成或取消现有订单',
       cancelRateLimited: '取消订单过于频繁，请稍后再试',
+      // Structured error codes (reason strings from backend ApplicationError)
+      PAYMENT_DISABLED: '支付系统已关闭',
+      USER_INACTIVE: '账号已被禁用',
+      BALANCE_PAYMENT_DISABLED: '余额充值功能已关闭',
+      INVALID_AMOUNT: '金额无效',
+      INVALID_INPUT: '参数有误',
+      PLAN_NOT_AVAILABLE: '套餐不存在或已下架',
+      GROUP_NOT_FOUND: '订阅分组不可用',
+      GROUP_TYPE_MISMATCH: '分组类型不是订阅类型',
+      TOO_MANY_PENDING: '待支付订单过多（最多 {max} 个），请先完成或取消现有订单',
+      DAILY_LIMIT_EXCEEDED: '今日充值已达上限，剩余额度 {remaining}',
+      PAYMENT_GATEWAY_ERROR: '支付方式不可用',
+      NO_AVAILABLE_INSTANCE: '暂无可用的支付通道',
+      PAYMENT_PROVIDER_MISCONFIGURED: '支付通道配置错误，请联系管理员',
+      WXPAY_CONFIG_MISSING_KEY: '微信支付配置缺少必填项：{key}',
+      WXPAY_CONFIG_INVALID_KEY_LENGTH: '微信支付 {key} 长度错误，应为 {expected} 字节（实际 {actual}）',
+      WXPAY_CONFIG_INVALID_KEY: '微信支付 {key} 格式错误，请确认复制了完整的 PEM 内容',
       PENDING_ORDERS: '该服务商有未完成的订单，请等待订单完成后再操作',
+      CANCEL_RATE_LIMITED: '取消订单过于频繁，请稍后再试',
+      NOT_FOUND: '订单不存在',
+      FORBIDDEN: '无权限操作此订单',
+      CONFLICT: '订单状态已变更，请刷新',
+      INVALID_ORDER_TYPE: '仅余额订单可申请退款',
+      INVALID_STATUS: '当前订单状态不允许此操作',
+      BALANCE_NOT_ENOUGH: '退款金额超过余额',
+      REFUND_AMOUNT_EXCEEDED: '退款金额超过充值金额',
+      REFUND_FAILED: '退款失败',
     },
     stripePay: '立即支付',
     stripeSuccessProcessing: '支付成功，正在处理订单...',
diff --git a/frontend/src/utils/apiError.ts b/frontend/src/utils/apiError.ts
index e1fe0c30..07a17aca 100644
--- a/frontend/src/utils/apiError.ts
+++ b/frontend/src/utils/apiError.ts
@@ -23,14 +23,96 @@ interface ApiErrorLike {
 
 /**
  * Extract the error code from an API error object.
+ *
+ * Prefers the string `reason` (e.g. "PAYMENT_PROVIDER_MISCONFIGURED") over the
+ * numeric HTTP `code`, because reason is granular enough to drive i18n lookup
+ * while HTTP code is not.
  */
 export function extractApiErrorCode(err: unknown): string | undefined {
   if (!err || typeof err !== 'object') return undefined
   const e = err as ApiErrorLike
-  const code = e.code ?? e.reason ?? e.response?.data?.code
+  const code = e.reason ?? e.code ?? e.response?.data?.code
   return code != null ? String(code) : undefined
 }
 
+/**
+ * Extract metadata (interpolation params) from an API error object.
+ * Backend errors carry `metadata` with template variables that fill i18n placeholders.
+ */
+export function extractApiErrorMetadata(err: unknown): Record<string, unknown> | undefined {
+  if (!err || typeof err !== 'object') return undefined
+  const e = err as ApiErrorLike
+  return e.metadata
+}
+
+type TranslateFn = (key: string, params?: Record<string, unknown>) => string
+type TranslateWithExistsFn = TranslateFn & { te?: (key: string) => boolean }
+
+/**
+ * Translate a value via i18n if a matching key exists, otherwise return the original.
+ * Example: "certSerial" → t('admin.settings.payment.field_certSerial') → "证书序列号".
+ */
+function tryTranslate(t: TranslateFn, key: string, fallback: string): string {
+  const translated = t(key)
+  if (translated === key) return fallback
+  const te = (t as TranslateWithExistsFn).te
+  if (te && !te(key)) return fallback
+  return translated
+}
+
+/**
+ * Replace raw config field names in metadata (e.g. "certSerial") with their
+ * localized UI labels (e.g. "证书序列号"), using the provider-config field i18n namespace.
+ * Handles both single `key` and `/`-joined `keys` patterns used by wxpay errors.
+ */
+function localizeMetadata(metadata: Record<string, unknown>, t: TranslateFn): Record<string, unknown> {
+  const out: Record<string, unknown> = { ...metadata }
+  if (typeof out.key === 'string') {
+    out.key = tryTranslate(t, `admin.settings.payment.field_${out.key}`, out.key)
+  }
+  if (typeof out.keys === 'string') {
+    out.keys = out.keys
+      .split('/')
+      .map(k => tryTranslate(t, `admin.settings.payment.field_${k}`, k))
+      .join(' / ')
+  }
+  return out
+}
+
+/**
+ * Extract a localized error message from an API error by looking up
+ * `<namespace>.<REASON>` in i18n and substituting metadata as placeholders.
+ *
+ * Config-field names in metadata (`key` / `keys`) are automatically translated
+ * to their UI labels before substitution, so error messages read like
+ * "缺少必填项：证书序列号" instead of "缺少必填项：certSerial".
+ *
+ * @param err      - The caught error
+ * @param t        - Vue i18n translate function
+ * @param namespace- i18n key prefix, e.g. "payment.errors"
+ * @param fallback - Fallback key or plain string if no localized mapping exists
+ */
+export function extractI18nErrorMessage(
+  err: unknown,
+  t: TranslateFn,
+  namespace: string,
+  fallback: string,
+): string {
+  const code = extractApiErrorCode(err)
+  if (code) {
+    const key = `${namespace}.${code}`
+    const rawMetadata = extractApiErrorMetadata(err) ?? {}
+    const metadata = localizeMetadata(rawMetadata, t)
+    const translated = t(key, metadata)
+    // Vue i18n returns the key itself when missing; detect that and fall back.
+    if (translated !== key) return translated
+    // If the framework exposes `te`, use it to double-check.
+    const te = (t as TranslateWithExistsFn).te
+    if (te && te(key)) return translated
+  }
+  return extractApiErrorMessage(err, fallback)
+}
+
 /**
  * Extract a displayable error message from an API error.
  *
diff --git a/frontend/src/views/admin/SettingsView.vue b/frontend/src/views/admin/SettingsView.vue
index ee6a4c6d..27cb1f0c 100644
--- a/frontend/src/views/admin/SettingsView.vue
+++ b/frontend/src/views/admin/SettingsView.vue
@@ -2850,7 +2850,7 @@ import ProxySelector from '@/components/common/ProxySelector.vue'
 import ImageUpload from '@/components/common/ImageUpload.vue'
 import BackupSettings from '@/views/admin/BackupView.vue'
 import { useClipboard } from '@/composables/useClipboard'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractApiErrorMessage, extractI18nErrorMessage } from '@/utils/apiError'
 import { useAppStore } from '@/stores'
 import { useAdminSettingsStore } from '@/stores/adminSettings'
 import {
@@ -4085,14 +4085,10 @@ const cancelRateLimitModeOptions = computed(() => [
   { value: 'fixed', label: t('admin.settings.payment.cancelRateLimitWindowModeFixed') },
 ])
 
-const paymentErrorMap = computed(() => ({
-  PENDING_ORDERS: t('payment.errors.PENDING_ORDERS'),
-}))
-
 async function loadProviders() {
   providersLoading.value = true
   try { const res = await adminAPI.payment.getProviders(); providers.value = res.data || [] }
-  catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
   finally { providersLoading.value = false }
 }
 
@@ -4122,7 +4118,7 @@ async function handleSaveProvider(payload: Partial<ProviderInstance>) {
     // Auto-save settings so provider changes take effect immediately
     await saveSettings()
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error'), paymentErrorMap.value))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally {
     providerSaving.value = false
   }
@@ -4148,7 +4144,7 @@ async function handleToggleField(provider: ProviderInstance, field: 'enabled' |
     } else {
       provider.allow_user_refund = newValue
     }
-  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'), paymentErrorMap.value)) }
+  } catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
 }
 
 async function handleToggleType(provider: ProviderInstance, type: string) {
@@ -4158,7 +4154,7 @@ async function handleToggleType(provider: ProviderInstance, type: string) {
   try {
     await adminAPI.payment.updateProvider(provider.id, { supported_types: updated } as any)
     provider.supported_types = updated
-  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'), paymentErrorMap.value)) }
+  } catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
 }
 
 function confirmDeleteProvider(provider: ProviderInstance) {
@@ -4177,7 +4173,7 @@ async function handleReorderProviders(updates: { id: number; sort_order: number
       if (p) p.sort_order = u.sort_order
     }
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
     loadProviders()
   }
 }
@@ -4189,7 +4185,7 @@ async function handleDeleteProvider() {
     appStore.showSuccess(t('common.deleted'))
     showDeleteProviderDialog.value = false
     loadProviders()
-  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'), paymentErrorMap.value)) }
+  } catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
 }
 
 onMounted(() => {
diff --git a/frontend/src/views/admin/orders/AdminOrdersView.vue b/frontend/src/views/admin/orders/AdminOrdersView.vue
index 027c8e5e..dd9fa7e6 100644
--- a/frontend/src/views/admin/orders/AdminOrdersView.vue
+++ b/frontend/src/views/admin/orders/AdminOrdersView.vue
@@ -116,7 +116,7 @@ import { ref, reactive, computed, onMounted } from 'vue'
 import { useI18n } from 'vue-i18n'
 import { useAppStore } from '@/stores/app'
 import { adminPaymentAPI } from '@/api/admin/payment'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import { formatOrderDateTime } from '@/components/payment/orderUtils'
 import type { PaymentOrder } from '@/types/payment'
 import AppLayout from '@/components/layout/AppLayout.vue'
@@ -167,7 +167,7 @@ async function loadOrders() {
     orders.value = res.data.items || []
     orderPagination.total = res.data.total || 0
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally { ordersLoading.value = false }
 }
 
@@ -214,12 +214,12 @@ async function showOrderDetail(order: PaymentOrder) {
 
 async function handleCancelOrder(order: PaymentOrder) {
   try { await adminPaymentAPI.cancelOrder(order.id); appStore.showSuccess(t('payment.admin.orderCancelled')); loadOrders() }
-  catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
 }
 
 async function handleRetryOrder(order: PaymentOrder) {
   try { await adminPaymentAPI.retryRecharge(order.id); appStore.showSuccess(t('payment.admin.retrySuccess')); loadOrders() }
-  catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
 }
 
 function openRefundDialog(order: PaymentOrder) { selectedOrder.value = order; showRefundDialog.value = true }
@@ -230,7 +230,7 @@ async function handleRefund(data: { amount: number; reason: string; deduct_balan
   try {
     await adminPaymentAPI.refundOrder(selectedOrder.value.id, { amount: data.amount, reason: data.reason, deduct_balance: data.deduct_balance, force: data.force })
     appStore.showSuccess(t('payment.admin.refundSuccess')); showRefundDialog.value = false; loadOrders()
-  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  } catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
   finally { refundSubmitting.value = false }
 }
 
diff --git a/frontend/src/views/admin/orders/AdminPaymentDashboardView.vue b/frontend/src/views/admin/orders/AdminPaymentDashboardView.vue
index 06bc9218..5a80db44 100644
--- a/frontend/src/views/admin/orders/AdminPaymentDashboardView.vue
+++ b/frontend/src/views/admin/orders/AdminPaymentDashboardView.vue
@@ -72,7 +72,7 @@ import { ref, watch, onMounted } from 'vue'
 import { useI18n } from 'vue-i18n'
 import { useAppStore } from '@/stores/app'
 import { adminPaymentAPI } from '@/api/admin/payment'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import type { DashboardStats } from '@/types/payment'
 import AppLayout from '@/components/layout/AppLayout.vue'
 import LoadingSpinner from '@/components/common/LoadingSpinner.vue'
@@ -110,7 +110,7 @@ async function loadDashboard() {
     const res = await adminPaymentAPI.getDashboard(days.value)
     stats.value = res.data
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally {
     loading.value = false
   }
diff --git a/frontend/src/views/admin/orders/AdminPaymentPlansView.vue b/frontend/src/views/admin/orders/AdminPaymentPlansView.vue
index 876b2aa1..c2fc26fe 100644
--- a/frontend/src/views/admin/orders/AdminPaymentPlansView.vue
+++ b/frontend/src/views/admin/orders/AdminPaymentPlansView.vue
@@ -78,7 +78,7 @@ import { ref, computed, onMounted } from 'vue'
 import { useI18n } from 'vue-i18n'
 import { useAppStore } from '@/stores/app'
 import { adminPaymentAPI } from '@/api/admin/payment'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import adminAPI from '@/api/admin'
 import type { SubscriptionPlan } from '@/types/payment'
 import type { AdminGroup } from '@/types'
@@ -150,7 +150,7 @@ async function loadPlans() {
         : (p.features || []),
     }))
   }
-  catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
   finally { plansLoading.value = false }
 }
 
@@ -166,7 +166,7 @@ async function toggleForSale(plan: SubscriptionPlan) {
     await adminPaymentAPI.updatePlan(plan.id, { for_sale: !plan.for_sale })
     plan.for_sale = !plan.for_sale
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   }
 }
 
@@ -174,7 +174,7 @@ function confirmDeletePlan(plan: SubscriptionPlan) { deletingPlanId.value = plan
 async function handleDeletePlan() {
   if (!deletingPlanId.value) return
   try { await adminPaymentAPI.deletePlan(deletingPlanId.value); appStore.showSuccess(t('common.deleted')); showDeletePlanDialog.value = false; loadPlans() }
-  catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
 }
 
 // ==================== Lifecycle ====================
diff --git a/frontend/src/views/user/PaymentQRCodeView.vue b/frontend/src/views/user/PaymentQRCodeView.vue
index 0965947a..f844858d 100644
--- a/frontend/src/views/user/PaymentQRCodeView.vue
+++ b/frontend/src/views/user/PaymentQRCodeView.vue
@@ -39,7 +39,7 @@ import { useRoute, useRouter } from 'vue-router'
 import AppLayout from '@/components/layout/AppLayout.vue'
 import { usePaymentStore } from '@/stores/payment'
 import { paymentAPI } from '@/api/payment'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import { useAppStore } from '@/stores'
 import QRCode from 'qrcode'
 import alipayIcon from '@/assets/icons/alipay.svg'
@@ -167,7 +167,7 @@ async function handleCancel() {
     cleanup()
     router.push('/purchase')
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally {
     cancelling.value = false
   }
diff --git a/frontend/src/views/user/PaymentView.vue b/frontend/src/views/user/PaymentView.vue
index 3f1401b3..e2885c80 100644
--- a/frontend/src/views/user/PaymentView.vue
+++ b/frontend/src/views/user/PaymentView.vue
@@ -271,7 +271,7 @@ import { usePaymentStore } from '@/stores/payment'
 import { useSubscriptionStore } from '@/stores/subscriptions'
 import { useAppStore } from '@/stores'
 import { paymentAPI } from '@/api/payment'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import { isMobileDevice } from '@/utils/device'
 import type { SubscriptionPlan, CheckoutInfoResponse, OrderType } from '@/types/payment'
 import AppLayout from '@/components/layout/AppLayout.vue'
@@ -610,7 +610,7 @@ async function createOrder(orderAmount: number, orderType: OrderType, planId?: n
     } else if (apiErr.reason === 'CANCEL_RATE_LIMITED') {
       errorMessage.value = t('payment.errors.cancelRateLimited')
     } else {
-      errorMessage.value = extractApiErrorMessage(err, t('payment.result.failed'))
+      errorMessage.value = extractI18nErrorMessage(err, t, 'payment.errors', t('payment.result.failed'))
     }
     appStore.showError(errorMessage.value)
   } finally {
@@ -648,7 +648,7 @@ onMounted(async () => {
         }
       }
     }
-  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  } catch (err: unknown) { appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error'))) }
   finally { loading.value = false }
   // Fetch active subscriptions (uses cache, non-blocking)
   subscriptionStore.fetchActiveSubscriptions().catch(() => {})
diff --git a/frontend/src/views/user/StripePaymentView.vue b/frontend/src/views/user/StripePaymentView.vue
index 20a4a408..3f73d4d5 100644
--- a/frontend/src/views/user/StripePaymentView.vue
+++ b/frontend/src/views/user/StripePaymentView.vue
@@ -99,7 +99,7 @@ import { useI18n } from 'vue-i18n'
 import { useRoute, useRouter } from 'vue-router'
 import { usePaymentStore } from '@/stores/payment'
 import { paymentAPI } from '@/api/payment'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import { isMobileDevice } from '@/utils/device'
 import type { PaymentOrder } from '@/types/payment'
 import type { Stripe, StripeElements } from '@stripe/stripe-js'
@@ -167,7 +167,7 @@ onMounted(async () => {
       mountPaymentElement(stripe, clientSecret)
     }
   } catch (err: unknown) {
-    initError.value = extractApiErrorMessage(err, t('payment.stripeLoadFailed'))
+    initError.value = extractI18nErrorMessage(err, t, 'payment.errors', t('payment.stripeLoadFailed'))
   } finally {
     loading.value = false
   }
@@ -248,7 +248,7 @@ async function handleGenericPay() {
       scheduleClose()
     }
   } catch (err: unknown) {
-    stripeError.value = extractApiErrorMessage(err, t('payment.result.failed'))
+    stripeError.value = extractI18nErrorMessage(err, t, 'payment.errors', t('payment.result.failed'))
   } finally {
     stripeSubmitting.value = false
   }
diff --git a/frontend/src/views/user/StripePopupView.vue b/frontend/src/views/user/StripePopupView.vue
index 2704c62d..688ad644 100644
--- a/frontend/src/views/user/StripePopupView.vue
+++ b/frontend/src/views/user/StripePopupView.vue
@@ -56,7 +56,7 @@
 import { computed, ref, onMounted, onUnmounted } from 'vue'
 import { useI18n } from 'vue-i18n'
 import { useRoute } from 'vue-router'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import { isMobileDevice } from '@/utils/device'
 
 interface StripeWithWechatPay {
@@ -143,7 +143,7 @@ async function initStripe(clientSecret: string, publishableKey: string) {
       }
     }
   } catch (err: unknown) {
-    error.value = extractApiErrorMessage(err, t('payment.stripeLoadFailed'))
+    error.value = extractI18nErrorMessage(err, t, 'payment.errors', t('payment.stripeLoadFailed'))
   }
 }
 
diff --git a/frontend/src/views/user/UserOrdersView.vue b/frontend/src/views/user/UserOrdersView.vue
index ea888eb7..c3ed80eb 100644
--- a/frontend/src/views/user/UserOrdersView.vue
+++ b/frontend/src/views/user/UserOrdersView.vue
@@ -86,7 +86,7 @@ import { useI18n } from 'vue-i18n'
 import { useRouter } from 'vue-router'
 import { useAppStore } from '@/stores'
 import { paymentAPI } from '@/api/payment'
-import { extractApiErrorMessage } from '@/utils/apiError'
+import { extractI18nErrorMessage } from '@/utils/apiError'
 import type { PaymentOrder } from '@/types/payment'
 import AppLayout from '@/components/layout/AppLayout.vue'
 import Pagination from '@/components/common/Pagination.vue'
@@ -128,7 +128,7 @@ async function fetchOrders() {
     orders.value = res.data.items || []
     pagination.total = res.data.total || 0
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally {
     loading.value = false
   }
@@ -148,7 +148,7 @@ async function confirmCancel() {
     cancelTargetId.value = null
     await fetchOrders()
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally {
     actionLoading.value = false
   }
@@ -166,7 +166,7 @@ async function confirmRefund() {
     refundReason.value = ''
     await fetchOrders()
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractI18nErrorMessage(err, t, 'payment.errors', t('common.error')))
   } finally {
     actionLoading.value = false
   }