diff --git a/backend/cmd/server/VERSION b/backend/cmd/server/VERSION
index 0a81f94d..ee13da53 100644
--- a/backend/cmd/server/VERSION
+++ b/backend/cmd/server/VERSION
@@ -1 +1 @@
-0.1.110.38
+0.1.110.39
diff --git a/backend/internal/handler/admin/setting_handler.go b/backend/internal/handler/admin/setting_handler.go
index 58081273..e31eb134 100644
--- a/backend/internal/handler/admin/setting_handler.go
+++ b/backend/internal/handler/admin/setting_handler.go
@@ -310,8 +310,9 @@ type UpdateSettingsRequest struct {
 	EnableCCHSigning             *bool `json:"enable_cch_signing"`
 
 	// Balance low notification
-	BalanceLowNotifyEnabled   *bool     `json:"balance_low_notify_enabled"`
-	BalanceLowNotifyThreshold *float64  `json:"balance_low_notify_threshold"`
+	BalanceLowNotifyEnabled      *bool     `json:"balance_low_notify_enabled"`
+	BalanceLowNotifyThreshold    *float64  `json:"balance_low_notify_threshold"`
+	BalanceLowNotifyRechargeURL  *string   `json:"balance_low_notify_recharge_url"`
 	AccountQuotaNotifyEnabled *bool     `json:"account_quota_notify_enabled"`
 	AccountQuotaNotifyEmails  *[]dto.NotifyEmailEntry `json:"account_quota_notify_emails"`
 
@@ -904,6 +905,12 @@ func (h *SettingHandler) UpdateSettings(c *gin.Context) {
 			}
 			return previousSettings.BalanceLowNotifyThreshold
 		}(),
+		BalanceLowNotifyRechargeURL: func() string {
+			if req.BalanceLowNotifyRechargeURL != nil {
+				return *req.BalanceLowNotifyRechargeURL
+			}
+			return previousSettings.BalanceLowNotifyRechargeURL
+		}(),
 		AccountQuotaNotifyEnabled: func() bool {
 			if req.AccountQuotaNotifyEnabled != nil {
 				return *req.AccountQuotaNotifyEnabled
diff --git a/backend/internal/handler/dto/settings.go b/backend/internal/handler/dto/settings.go
index 6c99208f..d218490a 100644
--- a/backend/internal/handler/dto/settings.go
+++ b/backend/internal/handler/dto/settings.go
@@ -150,9 +150,10 @@ type SystemSettings struct {
 	PaymentCancelRateLimitMode    string `json:"payment_cancel_rate_limit_window_mode"`
 
 	// Balance low notification
-	BalanceLowNotifyEnabled   bool     `json:"balance_low_notify_enabled"`
-	BalanceLowNotifyThreshold float64  `json:"balance_low_notify_threshold"`
-	AccountQuotaNotifyEnabled bool     `json:"account_quota_notify_enabled"`
+	BalanceLowNotifyEnabled      bool     `json:"balance_low_notify_enabled"`
+	BalanceLowNotifyThreshold    float64  `json:"balance_low_notify_threshold"`
+	BalanceLowNotifyRechargeURL  string   `json:"balance_low_notify_recharge_url"`
+	AccountQuotaNotifyEnabled    bool     `json:"account_quota_notify_enabled"`
 	AccountQuotaNotifyEmails  []NotifyEmailEntry `json:"account_quota_notify_emails"`
 }
 
@@ -195,6 +196,7 @@ type PublicSettings struct {
 	BalanceLowNotifyEnabled          bool             `json:"balance_low_notify_enabled"`
 	AccountQuotaNotifyEnabled        bool             `json:"account_quota_notify_enabled"`
 	BalanceLowNotifyThreshold        float64          `json:"balance_low_notify_threshold"`
+	BalanceLowNotifyRechargeURL      string           `json:"balance_low_notify_recharge_url"`
 }
 
 // OverloadCooldownSettings 529过载冷却配置 DTO
diff --git a/backend/internal/service/balance_notify_service.go b/backend/internal/service/balance_notify_service.go
index f5abbacc..3951e88f 100644
--- a/backend/internal/service/balance_notify_service.go
+++ b/backend/internal/service/balance_notify_service.go
@@ -65,14 +65,21 @@ func resolveBalanceThreshold(threshold float64, thresholdType string, totalRecha
 // Notification is sent only on first crossing: oldBalance >= threshold && newBalance < threshold.
 func (s *BalanceNotifyService) CheckBalanceAfterDeduction(ctx context.Context, user *User, oldBalance, cost float64) {
 	if user == nil || s.emailService == nil || s.settingRepo == nil {
+		slog.Debug("CheckBalanceAfterDeduction: skipped (nil check)",
+			"user_nil", user == nil,
+			"email_svc_nil", s.emailService == nil,
+			"setting_repo_nil", s.settingRepo == nil,
+		)
 		return
 	}
 	if !user.BalanceNotifyEnabled {
+		slog.Debug("CheckBalanceAfterDeduction: user notify disabled", "user_id", user.ID)
 		return
 	}
 
-	globalEnabled, globalThreshold := s.getBalanceNotifyConfig(ctx)
+	globalEnabled, globalThreshold, rechargeURL := s.getBalanceNotifyConfig(ctx)
 	if !globalEnabled {
+		slog.Info("CheckBalanceAfterDeduction: global notify disabled", "user_id", user.ID)
 		return
 	}
 
@@ -82,25 +89,40 @@ func (s *BalanceNotifyService) CheckBalanceAfterDeduction(ctx context.Context, u
 		threshold = *user.BalanceNotifyThreshold
 	}
 	if threshold <= 0 {
+		slog.Debug("CheckBalanceAfterDeduction: threshold <= 0", "user_id", user.ID, "threshold", threshold)
 		return
 	}
 
 	effectiveThreshold := resolveBalanceThreshold(threshold, user.BalanceNotifyThresholdType, user.TotalRecharged)
 	if effectiveThreshold <= 0 {
+		slog.Debug("CheckBalanceAfterDeduction: effective threshold <= 0", "user_id", user.ID)
 		return
 	}
 
 	newBalance := oldBalance - cost
+	slog.Info("CheckBalanceAfterDeduction: crossing check",
+		"user_id", user.ID,
+		"old_balance", oldBalance,
+		"new_balance", newBalance,
+		"effective_threshold", effectiveThreshold,
+		"crossed", oldBalance >= effectiveThreshold && newBalance < effectiveThreshold,
+	)
 	if oldBalance >= effectiveThreshold && newBalance < effectiveThreshold {
 		siteName := s.getSiteName(ctx)
 		recipients := s.collectBalanceNotifyRecipients(user)
+		slog.Info("CheckBalanceAfterDeduction: sending notification",
+			"user_id", user.ID,
+			"recipients", recipients,
+			"new_balance", newBalance,
+			"threshold", effectiveThreshold,
+		)
 		go func() {
 			defer func() {
 				if r := recover(); r != nil {
 					slog.Error("panic in balance notification", "recover", r)
 				}
 			}()
-			s.sendBalanceLowEmails(recipients, user.Username, user.Email, newBalance, effectiveThreshold, siteName)
+			s.sendBalanceLowEmails(recipients, user.Username, user.Email, newBalance, effectiveThreshold, siteName, rechargeURL)
 		}()
 	}
 }
@@ -139,8 +161,9 @@ func buildQuotaDims(account *Account) []quotaDim {
 }
 
 // CheckAccountQuotaAfterIncrement checks if any quota dimension crossed above its notify threshold.
-// It fetches real-time quota usage from DB to avoid stale snapshot values.
-func (s *BalanceNotifyService) CheckAccountQuotaAfterIncrement(ctx context.Context, account *Account, cost float64) {
+// When quotaState is non-nil (from DB transaction RETURNING), it is used directly for threshold
+// checking, avoiding a separate DB read. Otherwise it falls back to fetching fresh account data.
+func (s *BalanceNotifyService) CheckAccountQuotaAfterIncrement(ctx context.Context, account *Account, cost float64, quotaState *AccountQuotaState) {
 	if account == nil || s.emailService == nil || s.settingRepo == nil || cost <= 0 {
 		return
 	}
@@ -152,8 +175,13 @@ func (s *BalanceNotifyService) CheckAccountQuotaAfterIncrement(ctx context.Conte
 		return
 	}
 
-	freshAccount := s.fetchFreshAccount(ctx, account)
 	siteName := s.getSiteName(ctx)
+	if quotaState != nil {
+		s.checkQuotaDimCrossingsFromState(account, quotaState, cost, adminEmails, siteName)
+		return
+	}
+
+	freshAccount := s.fetchFreshAccount(ctx, account)
 	s.checkQuotaDimCrossings(freshAccount, cost, adminEmails, siteName)
 }
 
@@ -187,29 +215,58 @@ func (s *BalanceNotifyService) checkQuotaDimCrossings(freshAccount *Account, cos
 		newUsed := dim.currentUsed
 		oldUsed := dim.currentUsed - cost
 		if oldUsed < effectiveThreshold && newUsed >= effectiveThreshold {
-			s.asyncSendQuotaAlert(adminEmails, freshAccount.Name, dim, newUsed, effectiveThreshold, siteName)
+			s.asyncSendQuotaAlert(adminEmails, freshAccount.ID, freshAccount.Name, freshAccount.Platform, dim, newUsed, effectiveThreshold, siteName)
+		}
+	}
+}
+
+// buildQuotaDimsFromState builds quota dimensions using DB transaction state instead of account snapshot.
+// Notification settings (enabled, threshold, thresholdType) come from the account; usage values from quotaState.
+func buildQuotaDimsFromState(account *Account, state *AccountQuotaState) []quotaDim {
+	return []quotaDim{
+		{quotaDimDaily, account.GetQuotaNotifyDailyEnabled(), account.GetQuotaNotifyDailyThreshold(), account.GetQuotaNotifyDailyThresholdType(), state.DailyUsed, state.DailyLimit},
+		{quotaDimWeekly, account.GetQuotaNotifyWeeklyEnabled(), account.GetQuotaNotifyWeeklyThreshold(), account.GetQuotaNotifyWeeklyThresholdType(), state.WeeklyUsed, state.WeeklyLimit},
+		{quotaDimTotal, account.GetQuotaNotifyTotalEnabled(), account.GetQuotaNotifyTotalThreshold(), account.GetQuotaNotifyTotalThresholdType(), state.TotalUsed, state.TotalLimit},
+	}
+}
+
+// checkQuotaDimCrossingsFromState checks threshold crossings using DB transaction quota state.
+// This avoids a separate DB read and ensures the values are consistent with the atomic increment.
+func (s *BalanceNotifyService) checkQuotaDimCrossingsFromState(account *Account, state *AccountQuotaState, cost float64, adminEmails []string, siteName string) {
+	for _, dim := range buildQuotaDimsFromState(account, state) {
+		if !dim.enabled || dim.threshold <= 0 {
+			continue
+		}
+		effectiveThreshold := dim.resolvedThreshold()
+		if effectiveThreshold <= 0 {
+			continue
+		}
+		newUsed := dim.currentUsed
+		oldUsed := dim.currentUsed - cost
+		if oldUsed < effectiveThreshold && newUsed >= effectiveThreshold {
+			s.asyncSendQuotaAlert(adminEmails, account.ID, account.Name, account.Platform, dim, newUsed, effectiveThreshold, siteName)
 		}
 	}
 }
 
 // asyncSendQuotaAlert sends quota alert email in a goroutine with panic recovery.
-func (s *BalanceNotifyService) asyncSendQuotaAlert(adminEmails []string, accountName string, dim quotaDim, newUsed, effectiveThreshold float64, siteName string) {
+func (s *BalanceNotifyService) asyncSendQuotaAlert(adminEmails []string, accountID int64, accountName, platform string, dim quotaDim, newUsed, effectiveThreshold float64, siteName string) {
 	go func() {
 		defer func() {
 			if r := recover(); r != nil {
 				slog.Error("panic in quota notification", "recover", r)
 			}
 		}()
-		s.sendQuotaAlertEmails(adminEmails, accountName, dim.name, newUsed, dim.limit, effectiveThreshold, siteName)
+		s.sendQuotaAlertEmails(adminEmails, accountID, accountName, platform, dim.name, newUsed, dim.limit, effectiveThreshold, siteName)
 	}()
 }
 
 // getBalanceNotifyConfig reads global balance notification settings.
-func (s *BalanceNotifyService) getBalanceNotifyConfig(ctx context.Context) (enabled bool, threshold float64) {
-	keys := []string{SettingKeyBalanceLowNotifyEnabled, SettingKeyBalanceLowNotifyThreshold}
+func (s *BalanceNotifyService) getBalanceNotifyConfig(ctx context.Context) (enabled bool, threshold float64, rechargeURL string) {
+	keys := []string{SettingKeyBalanceLowNotifyEnabled, SettingKeyBalanceLowNotifyThreshold, SettingKeyBalanceLowNotifyRechargeURL}
 	settings, err := s.settingRepo.GetMultiple(ctx, keys)
 	if err != nil {
-		return false, 0
+		return false, 0, ""
 	}
 	enabled = settings[SettingKeyBalanceLowNotifyEnabled] == "true"
 	if v := settings[SettingKeyBalanceLowNotifyThreshold]; v != "" {
@@ -217,6 +274,7 @@ func (s *BalanceNotifyService) getBalanceNotifyConfig(ctx context.Context) (enab
 			threshold = f
 		}
 	}
+	rechargeURL = settings[SettingKeyBalanceLowNotifyRechargeURL]
 	return
 }
 
@@ -298,36 +356,42 @@ func (s *BalanceNotifyService) collectBalanceNotifyRecipients(user *User) []stri
 
 // sendEmails sends an email to all recipients with shared timeout and error logging.
 func (s *BalanceNotifyService) sendEmails(recipients []string, subject, body string, logAttrs ...any) {
+	if len(recipients) == 0 {
+		slog.Warn("sendEmails: no recipients", "subject", subject)
+		return
+	}
 	for _, to := range recipients {
 		ctx, cancel := context.WithTimeout(context.Background(), emailSendTimeout)
 		if err := s.emailService.SendEmail(ctx, to, subject, body); err != nil {
 			attrs := append([]any{"to", to, "error", err}, logAttrs...)
 			slog.Error("failed to send notification", attrs...)
+		} else {
+			slog.Info("notification email sent successfully", "to", to, "subject", subject)
 		}
 		cancel()
 	}
 }
 
 // sendBalanceLowEmails sends balance low notification to all recipients.
-func (s *BalanceNotifyService) sendBalanceLowEmails(recipients []string, userName, userEmail string, balance, threshold float64, siteName string) {
+func (s *BalanceNotifyService) sendBalanceLowEmails(recipients []string, userName, userEmail string, balance, threshold float64, siteName, rechargeURL string) {
 	displayName := userName
 	if displayName == "" {
 		displayName = userEmail
 	}
 	subject := fmt.Sprintf("[%s] 余额不足提醒 / Balance Low Alert", sanitizeEmailHeader(siteName))
-	body := s.buildBalanceLowEmailBody(html.EscapeString(displayName), balance, threshold, html.EscapeString(siteName))
+	body := s.buildBalanceLowEmailBody(html.EscapeString(displayName), balance, threshold, html.EscapeString(siteName), rechargeURL)
 	s.sendEmails(recipients, subject, body, "user_email", userEmail, "balance", balance)
 }
 
 // sendQuotaAlertEmails sends quota alert notification to admin emails.
-func (s *BalanceNotifyService) sendQuotaAlertEmails(adminEmails []string, accountName, dimension string, used, limit, threshold float64, siteName string) {
+func (s *BalanceNotifyService) sendQuotaAlertEmails(adminEmails []string, accountID int64, accountName, platform, dimension string, used, limit, threshold float64, siteName string) {
 	dimLabel := quotaDimLabels[dimension]
 	if dimLabel == "" {
 		dimLabel = dimension
 	}
 
 	subject := fmt.Sprintf("[%s] 账号限额告警 / Account Quota Alert - %s", sanitizeEmailHeader(siteName), sanitizeEmailHeader(accountName))
-	body := s.buildQuotaAlertEmailBody(html.EscapeString(accountName), html.EscapeString(dimLabel), used, limit, threshold, html.EscapeString(siteName))
+	body := s.buildQuotaAlertEmailBody(accountID, html.EscapeString(accountName), html.EscapeString(platform), html.EscapeString(dimLabel), used, limit, threshold, html.EscapeString(siteName))
 	s.sendEmails(adminEmails, subject, body, "account", accountName, "dimension", dimension)
 }
 
@@ -338,6 +402,7 @@ func sanitizeEmailHeader(s string) string {
 
 // balanceLowEmailTemplate is the HTML template for balance low notifications.
 // Format args: siteName, userName, userName, balance, threshold, threshold.
+// The recharge button is appended dynamically when rechargeURL is set.
 const balanceLowEmailTemplate = `<!DOCTYPE html>
 <html>
 <head>
@@ -350,6 +415,7 @@ const balanceLowEmailTemplate = `<!DOCTYPE html>
         .content { padding: 40px 30px; text-align: center; }
         .balance { font-size: 36px; font-weight: bold; color: #dc2626; margin: 20px 0; }
         .info { color: #666; font-size: 14px; line-height: 1.6; margin-top: 20px; }
+        .recharge-btn { display: inline-block; margin-top: 24px; padding: 12px 32px; background: linear-gradient(135deg, #f59e0b 0%%, #d97706 100%%); color: #fff; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; }
         .footer { background-color: #f8f9fa; padding: 20px; text-align: center; color: #999; font-size: 12px; }
     </style>
 </head>
@@ -366,6 +432,7 @@ const balanceLowEmailTemplate = `<!DOCTYPE html>
                 <p>请及时充值以免服务中断。</p>
                 <p>Please top up to avoid service interruption.</p>
             </div>
+            %s
         </div>
         <div class="footer"><p>此邮件由系统自动发送，请勿回复。</p></div>
     </div>
@@ -373,7 +440,7 @@ const balanceLowEmailTemplate = `<!DOCTYPE html>
 </html>`
 
 // quotaAlertEmailTemplate is the HTML template for account quota alert notifications.
-// Format args: siteName, accountName, dimLabel, used, limitStr, threshold.
+// Format args: siteName, accountID, accountName, platform, dimLabel, used, limitStr, threshold.
 const quotaAlertEmailTemplate = `<!DOCTYPE html>
 <html>
 <head>
@@ -396,7 +463,9 @@ const quotaAlertEmailTemplate = `<!DOCTYPE html>
         <div class="header"><h1>%s</h1></div>
         <div class="content">
             <p style="font-size: 18px; color: #333; text-align: center;">账号限额告警 / Account Quota Alert</p>
+            <div class="metric"><span class="metric-label">账号 ID / Account ID</span><span class="metric-value">#%d</span></div>
             <div class="metric"><span class="metric-label">账号 / Account</span><span class="metric-value">%s</span></div>
+            <div class="metric"><span class="metric-label">平台 / Platform</span><span class="metric-value">%s</span></div>
             <div class="metric"><span class="metric-label">维度 / Dimension</span><span class="metric-value">%s</span></div>
             <div class="metric"><span class="metric-label">已使用 / Used</span><span class="metric-value">$%.2f</span></div>
             <div class="metric"><span class="metric-label">限额 / Limit</span><span class="metric-value">%s</span></div>
@@ -412,16 +481,20 @@ const quotaAlertEmailTemplate = `<!DOCTYPE html>
 </html>`
 
 // buildBalanceLowEmailBody builds HTML email for balance low notification.
-func (s *BalanceNotifyService) buildBalanceLowEmailBody(userName string, balance, threshold float64, siteName string) string {
-	return fmt.Sprintf(balanceLowEmailTemplate, siteName, userName, userName, balance, threshold, threshold)
+func (s *BalanceNotifyService) buildBalanceLowEmailBody(userName string, balance, threshold float64, siteName, rechargeURL string) string {
+	rechargeBlock := ""
+	if rechargeURL != "" {
+		rechargeBlock = fmt.Sprintf(`<a href="%s" class="recharge-btn">立即充值 / Top Up Now</a>`, html.EscapeString(rechargeURL))
+	}
+	return fmt.Sprintf(balanceLowEmailTemplate, siteName, userName, userName, balance, threshold, threshold, rechargeBlock)
 }
 
 // buildQuotaAlertEmailBody builds HTML email for account quota alert.
-func (s *BalanceNotifyService) buildQuotaAlertEmailBody(accountName, dimLabel string, used, limit, threshold float64, siteName string) string {
+func (s *BalanceNotifyService) buildQuotaAlertEmailBody(accountID int64, accountName, platform, dimLabel string, used, limit, threshold float64, siteName string) string {
 	limitStr := fmt.Sprintf("$%.2f", limit)
 	if limit <= 0 {
 		limitStr = "无限制 / Unlimited"
 	}
-	return fmt.Sprintf(quotaAlertEmailTemplate, siteName, accountName, dimLabel, used, limitStr, threshold)
+	return fmt.Sprintf(quotaAlertEmailTemplate, siteName, accountID, accountName, platform, dimLabel, used, limitStr, threshold)
 }
 
diff --git a/backend/internal/service/domain_constants.go b/backend/internal/service/domain_constants.go
index f07ddfd4..896ba59f 100644
--- a/backend/internal/service/domain_constants.go
+++ b/backend/internal/service/domain_constants.go
@@ -251,8 +251,9 @@ const (
 	SettingKeyEnableCCHSigning = "enable_cch_signing"
 
 	// Balance Low Notification
-	SettingKeyBalanceLowNotifyEnabled   = "balance_low_notify_enabled"   // 全局开关
-	SettingKeyBalanceLowNotifyThreshold = "balance_low_notify_threshold" // 默认阈值（USD）
+	SettingKeyBalanceLowNotifyEnabled    = "balance_low_notify_enabled"    // 全局开关
+	SettingKeyBalanceLowNotifyThreshold  = "balance_low_notify_threshold"  // 默认阈值（USD）
+	SettingKeyBalanceLowNotifyRechargeURL = "balance_low_notify_recharge_url" // 充值页面 URL
 
 	// Account Quota Notification
 	SettingKeyAccountQuotaNotifyEnabled = "account_quota_notify_enabled" // 全局开关
diff --git a/backend/internal/service/setting_service.go b/backend/internal/service/setting_service.go
index 28eb3a70..7f4a2eb1 100644
--- a/backend/internal/service/setting_service.go
+++ b/backend/internal/service/setting_service.go
@@ -184,6 +184,7 @@ func (s *SettingService) GetPublicSettings(ctx context.Context) (*PublicSettings
 		SettingKeyOIDCConnectProviderName,
 		SettingKeyBalanceLowNotifyEnabled,
 		SettingKeyBalanceLowNotifyThreshold,
+		SettingKeyBalanceLowNotifyRechargeURL,
 		SettingKeyAccountQuotaNotifyEnabled,
 	}
 
@@ -260,6 +261,7 @@ func (s *SettingService) GetPublicSettings(ctx context.Context) (*PublicSettings
 		BalanceLowNotifyEnabled:          settings[SettingKeyBalanceLowNotifyEnabled] == "true",
 		AccountQuotaNotifyEnabled:        settings[SettingKeyAccountQuotaNotifyEnabled] == "true",
 		BalanceLowNotifyThreshold:        balanceLowNotifyThreshold,
+		BalanceLowNotifyRechargeURL:      settings[SettingKeyBalanceLowNotifyRechargeURL],
 	}, nil
 }
 
@@ -316,6 +318,7 @@ func (s *SettingService) GetPublicSettingsForInjection(ctx context.Context) (any
 		BalanceLowNotifyEnabled          bool            `json:"balance_low_notify_enabled"`
 		AccountQuotaNotifyEnabled        bool            `json:"account_quota_notify_enabled"`
 		BalanceLowNotifyThreshold        float64         `json:"balance_low_notify_threshold"`
+		BalanceLowNotifyRechargeURL      string          `json:"balance_low_notify_recharge_url"`
 	}{
 		RegistrationEnabled:              settings.RegistrationEnabled,
 		EmailVerifyEnabled:               settings.EmailVerifyEnabled,
@@ -349,6 +352,7 @@ func (s *SettingService) GetPublicSettingsForInjection(ctx context.Context) (any
 		BalanceLowNotifyEnabled:          settings.BalanceLowNotifyEnabled,
 		AccountQuotaNotifyEnabled:        settings.AccountQuotaNotifyEnabled,
 		BalanceLowNotifyThreshold:        settings.BalanceLowNotifyThreshold,
+		BalanceLowNotifyRechargeURL:      settings.BalanceLowNotifyRechargeURL,
 	}, nil
 }
 
@@ -626,6 +630,7 @@ func (s *SettingService) UpdateSettings(ctx context.Context, settings *SystemSet
 	// Balance low notification
 	updates[SettingKeyBalanceLowNotifyEnabled] = strconv.FormatBool(settings.BalanceLowNotifyEnabled)
 	updates[SettingKeyBalanceLowNotifyThreshold] = strconv.FormatFloat(settings.BalanceLowNotifyThreshold, 'f', 8, 64)
+	updates[SettingKeyBalanceLowNotifyRechargeURL] = settings.BalanceLowNotifyRechargeURL
 	updates[SettingKeyAccountQuotaNotifyEnabled] = strconv.FormatBool(settings.AccountQuotaNotifyEnabled)
 	updates[SettingKeyAccountQuotaNotifyEmails] = MarshalNotifyEmails(settings.AccountQuotaNotifyEmails)
 
@@ -1264,6 +1269,7 @@ func (s *SettingService) parseSettings(settings map[string]string) *SystemSettin
 	if v, err := strconv.ParseFloat(settings[SettingKeyBalanceLowNotifyThreshold], 64); err == nil && v >= 0 {
 		result.BalanceLowNotifyThreshold = v
 	}
+	result.BalanceLowNotifyRechargeURL = settings[SettingKeyBalanceLowNotifyRechargeURL]
 
 	// Account quota notification
 	result.AccountQuotaNotifyEnabled = settings[SettingKeyAccountQuotaNotifyEnabled] == "true"
diff --git a/backend/internal/service/settings_view.go b/backend/internal/service/settings_view.go
index 1346372d..57f3746a 100644
--- a/backend/internal/service/settings_view.go
+++ b/backend/internal/service/settings_view.go
@@ -108,8 +108,9 @@ type SystemSettings struct {
 	EnableCCHSigning             bool // 是否对 billing header cch 进行签名（默认 false）
 
 	// Balance low notification
-	BalanceLowNotifyEnabled   bool
-	BalanceLowNotifyThreshold float64
+	BalanceLowNotifyEnabled    bool
+	BalanceLowNotifyThreshold  float64
+	BalanceLowNotifyRechargeURL string
 
 	// Account quota notification
 	AccountQuotaNotifyEnabled bool
@@ -157,6 +158,7 @@ type PublicSettings struct {
 	BalanceLowNotifyEnabled          bool
 	AccountQuotaNotifyEnabled        bool
 	BalanceLowNotifyThreshold        float64
+	BalanceLowNotifyRechargeURL      string
 }
 
 // StreamTimeoutSettings 流超时处理配置（仅控制超时后的处理方式，超时判定由网关配置控制）
diff --git a/frontend/src/api/admin/settings.ts b/frontend/src/api/admin/settings.ts
index 230232df..76c94cd8 100644
--- a/frontend/src/api/admin/settings.ts
+++ b/frontend/src/api/admin/settings.ts
@@ -138,6 +138,7 @@ export interface SystemSettings {
   // Balance & quota notification
   balance_low_notify_enabled: boolean
   balance_low_notify_threshold: number
+  balance_low_notify_recharge_url: string
   account_quota_notify_enabled: boolean
   account_quota_notify_emails: NotifyEmailEntry[]
 }
@@ -242,6 +243,7 @@ export interface UpdateSettingsRequest {
   // Balance & quota notification
   balance_low_notify_enabled?: boolean
   balance_low_notify_threshold?: number
+  balance_low_notify_recharge_url?: string
   account_quota_notify_enabled?: boolean
   account_quota_notify_emails?: NotifyEmailEntry[]
 }
diff --git a/frontend/src/i18n/locales/en.ts b/frontend/src/i18n/locales/en.ts
index dcbcf03c..c8acf6c0 100644
--- a/frontend/src/i18n/locales/en.ts
+++ b/frontend/src/i18n/locales/en.ts
@@ -4649,6 +4649,9 @@ export default {
         threshold: 'Default Threshold',
         thresholdHint: 'Used when user has not set a custom value',
         thresholdPlaceholder: 'Enter amount',
+        rechargeUrl: 'Recharge Page URL',
+        rechargeUrlPlaceholder: 'https://example.com/payment',
+        rechargeUrlHint: 'A top-up button will appear in the email when set',
       },
       quotaNotify: {
         title: 'Account Quota Notification',
diff --git a/frontend/src/i18n/locales/zh.ts b/frontend/src/i18n/locales/zh.ts
index 6dc9311c..499ed9cb 100644
--- a/frontend/src/i18n/locales/zh.ts
+++ b/frontend/src/i18n/locales/zh.ts
@@ -4813,6 +4813,9 @@ export default {
         threshold: '默认提醒阈值',
         thresholdHint: '用户未自定义时使用此值',
         thresholdPlaceholder: '输入金额',
+        rechargeUrl: '充值页面 URL',
+        rechargeUrlPlaceholder: 'https://example.com/payment',
+        rechargeUrlHint: '设置后邮件中将包含充值链接按钮',
       },
       quotaNotify: {
         title: '账号限额通知',
diff --git a/frontend/src/views/admin/SettingsView.vue b/frontend/src/views/admin/SettingsView.vue
index d2e17440..ef67ce22 100644
--- a/frontend/src/views/admin/SettingsView.vue
+++ b/frontend/src/views/admin/SettingsView.vue
@@ -2705,6 +2705,11 @@
               </div>
               <p class="mt-1 text-xs text-gray-500 dark:text-gray-400">{{ t('admin.settings.balanceNotify.thresholdHint') }}</p>
             </div>
+            <div>
+              <label class="mb-2 block text-sm font-medium text-gray-700 dark:text-gray-300">{{ t('admin.settings.balanceNotify.rechargeUrl') }}</label>
+              <input v-model="form.balance_low_notify_recharge_url" type="url" class="input" :placeholder="t('admin.settings.balanceNotify.rechargeUrlPlaceholder')" />
+              <p class="mt-1 text-xs text-gray-500 dark:text-gray-400">{{ t('admin.settings.balanceNotify.rechargeUrlHint') }}</p>
+            </div>
           </div>
         </div>
 
@@ -3027,6 +3032,7 @@ const form = reactive<SettingsForm>({
   // Balance & quota notification
   balance_low_notify_enabled: false,
   balance_low_notify_threshold: 0,
+  balance_low_notify_recharge_url: '',
   account_quota_notify_enabled: false,
   account_quota_notify_emails: [] as NotifyEmailEntry[]
 })
@@ -3598,6 +3604,7 @@ async function saveSettings() {
       // Balance & quota notification
       balance_low_notify_enabled: form.balance_low_notify_enabled,
       balance_low_notify_threshold: Number(form.balance_low_notify_threshold) || 0,
+      balance_low_notify_recharge_url: form.balance_low_notify_recharge_url || '',
       account_quota_notify_enabled: form.account_quota_notify_enabled,
       account_quota_notify_emails: (form.account_quota_notify_emails || []).filter((e) => e.email.trim() !== ''),
     }