diff --git a/backend/internal/service/payment_order.go b/backend/internal/service/payment_order.go
index 1d5562dd..a38173fd 100644
--- a/backend/internal/service/payment_order.go
+++ b/backend/internal/service/payment_order.go
@@ -51,7 +51,7 @@ func (s *PaymentService) CreateOrder(ctx context.Context, req CreateOrderRequest
 	} else if req.OrderType == payment.OrderTypeBalance {
 		orderAmount = calculateCreditedBalance(req.Amount, cfg.BalanceRechargeMultiplier)
 	}
-	feeRate := s.getFeeRate(req.PaymentType)
+	feeRate := cfg.RechargeFeeRate
 	payAmountStr := payment.CalculatePayAmount(limitAmount, feeRate)
 	payAmount, _ := strconv.ParseFloat(payAmountStr, 64)
 	order, err := s.createOrderInTx(ctx, req, user, plan, cfg, orderAmount, limitAmount, feeRate, payAmount)
diff --git a/backend/internal/service/payment_service.go b/backend/internal/service/payment_service.go
index 6d8b185e..f88e4171 100644
--- a/backend/internal/service/payment_service.go
+++ b/backend/internal/service/payment_service.go
@@ -288,7 +288,6 @@ func psComputeValidityDays(days int, unit string) int {
 	}
 }
 
-func (s *PaymentService) getFeeRate(_ string) float64 { return 0 }
 
 func psStartOfDayUTC(t time.Time) time.Time {
 	y, m, d := t.UTC().Date()
diff --git a/frontend/src/components/admin/payment/AdminOrderDetail.vue b/frontend/src/components/admin/payment/AdminOrderDetail.vue
index 5a07c097..9ab1ba95 100644
--- a/frontend/src/components/admin/payment/AdminOrderDetail.vue
+++ b/frontend/src/components/admin/payment/AdminOrderDetail.vue
@@ -18,23 +18,27 @@
           </span>
         </div>
         <div>
-          <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.amount') }}</p>
-          <p class="text-sm font-medium text-gray-900 dark:text-white">{{ order.order_type === 'balance' ? '$' : '¥' }}{{ order.amount.toFixed(2) }}</p>
+          <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.baseAmount') }}</p>
+          <p class="text-sm font-medium text-gray-900 dark:text-white">¥{{ baseAmount.toFixed(2) }}</p>
+        </div>
+        <div v-if="order.fee_rate > 0">
+          <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.fee') }} ({{ order.fee_rate }}%)</p>
+          <p class="text-sm font-medium text-gray-900 dark:text-white">¥{{ feeAmount.toFixed(2) }}</p>
         </div>
         <div>
           <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.payAmount') }}</p>
           <p class="text-sm font-medium text-gray-900 dark:text-white">¥{{ order.pay_amount.toFixed(2) }}</p>
         </div>
+        <div v-if="order.amount !== order.pay_amount">
+          <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.creditedAmount') }}</p>
+          <p class="text-sm font-medium text-gray-900 dark:text-white">{{ order.order_type === 'balance' ? '$' : '¥' }}{{ order.amount.toFixed(2) }}</p>
+        </div>
         <div>
           <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.paymentMethod') }}</p>
           <p class="text-sm text-gray-700 dark:text-gray-300">
             {{ t('payment.methods.' + order.payment_type, order.payment_type) }}
           </p>
         </div>
-        <div>
-          <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.feeRate') }}</p>
-          <p class="text-sm text-gray-700 dark:text-gray-300">{{ (order.fee_rate * 100).toFixed(1) }}%</p>
-        </div>
         <div>
           <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.orderType') }}</p>
           <p class="text-sm text-gray-700 dark:text-gray-300">
@@ -110,6 +114,7 @@
 </template>
 
 <script setup lang="ts">
+import { computed } from 'vue'
 import { useI18n } from 'vue-i18n'
 import BaseDialog from '@/components/common/BaseDialog.vue'
 import type { PaymentOrder } from '@/types/payment'
@@ -117,11 +122,24 @@ import { statusBadgeClass, canRefund as canRefundStatus, formatOrderDateTime } f
 
 const { t } = useI18n()
 
-defineProps<{
+const props = defineProps<{
   show: boolean
   order: PaymentOrder | null
 }>()
 
+/** 充值金额 (base amount before fee) = pay_amount - fee = pay_amount / (1 + fee_rate/100) */
+const baseAmount = computed(() => {
+  if (!props.order) return 0
+  if (props.order.fee_rate <= 0) return props.order.pay_amount
+  return props.order.pay_amount / (1 + props.order.fee_rate / 100)
+})
+
+/** 手续费 = pay_amount - baseAmount */
+const feeAmount = computed(() => {
+  if (!props.order || props.order.fee_rate <= 0) return 0
+  return props.order.pay_amount - baseAmount.value
+})
+
 const emit = defineEmits<{
   (e: 'close'): void
   (e: 'cancel', order: PaymentOrder): void
diff --git a/frontend/src/components/admin/payment/AdminOrderTable.vue b/frontend/src/components/admin/payment/AdminOrderTable.vue
index fa3a57ca..57e475f3 100644
--- a/frontend/src/components/admin/payment/AdminOrderTable.vue
+++ b/frontend/src/components/admin/payment/AdminOrderTable.vue
@@ -51,12 +51,15 @@
         <span class="text-sm text-gray-600 dark:text-gray-400">#{{ value }}</span>
       </template>
 
-      <template #cell-amount="{ value, row }">
+      <template #cell-pay_amount="{ value, row }">
         <div class="text-sm">
-          <span class="font-medium text-gray-900 dark:text-white">{{ row.order_type === 'balance' ? '$' : '¥' }}{{ value.toFixed(2) }}</span>
-          <span v-if="row.pay_amount !== value" class="ml-1 text-xs text-gray-500">
-            ({{ t('payment.orders.payAmount') }}: ¥{{ row.pay_amount.toFixed(2) }})
+          <span class="font-medium text-gray-900 dark:text-white">¥{{ value.toFixed(2) }}</span>
+          <span v-if="row.fee_rate > 0" class="ml-1 text-xs text-gray-400" :title="t('payment.orders.fee') + ': ' + row.fee_rate + '%'">
+            ({{ row.fee_rate }}%)
           </span>
+          <div v-if="row.amount !== row.pay_amount" class="text-xs text-gray-500">
+            {{ t('payment.orders.creditedAmount') }}: {{ row.order_type === 'balance' ? '$' : '¥' }}{{ row.amount.toFixed(2) }}
+          </div>
         </div>
       </template>
 
@@ -183,7 +186,7 @@ function emitFiltersChanged() {
 const columns = computed<Column[]>(() => [
   { key: 'id', label: t('payment.orders.orderId') },
   { key: 'user_id', label: t('payment.orders.userId') },
-  { key: 'amount', label: t('payment.orders.amount') },
+  { key: 'pay_amount', label: t('payment.orders.payAmount') },
   { key: 'payment_type', label: t('payment.orders.paymentMethod') },
   { key: 'status', label: t('payment.orders.status') },
   { key: 'order_type', label: t('payment.orders.orderType') },
diff --git a/frontend/src/components/admin/payment/AdminRefundDialog.vue b/frontend/src/components/admin/payment/AdminRefundDialog.vue
index a569f6c3..c29ec919 100644
--- a/frontend/src/components/admin/payment/AdminRefundDialog.vue
+++ b/frontend/src/components/admin/payment/AdminRefundDialog.vue
@@ -34,7 +34,7 @@
           <span class="font-mono text-gray-900 dark:text-white">#{{ order?.id }}</span>
         </div>
         <div class="mt-1 flex justify-between text-sm">
-          <span class="text-gray-500 dark:text-gray-400">{{ t('payment.orders.amount') }}</span>
+          <span class="text-gray-500 dark:text-gray-400">{{ t('payment.orders.creditedAmount') }}</span>
           <span class="font-medium text-gray-900 dark:text-white">{{ order?.order_type === 'balance' ? '$' : '¥' }}{{ order?.amount?.toFixed(2) }}</span>
         </div>
         <div class="mt-1 flex justify-between text-sm">
diff --git a/frontend/src/components/payment/OrderTable.vue b/frontend/src/components/payment/OrderTable.vue
index f4f0caed..89990165 100644
--- a/frontend/src/components/payment/OrderTable.vue
+++ b/frontend/src/components/payment/OrderTable.vue
@@ -12,10 +12,15 @@
         <span v-if="row.user_notes" class="ml-1 text-xs text-gray-400">({{ row.user_notes }})</span>
       </div>
     </template>
-    <template #cell-amount="{ value, row }">
+    <template #cell-pay_amount="{ value, row }">
       <div class="text-sm">
-        <span class="font-medium text-gray-900 dark:text-white">{{ row.order_type === 'balance' ? '$' : '¥' }}{{ value.toFixed(2) }}</span>
-        <span v-if="row.pay_amount !== value" class="ml-1 text-xs text-gray-500">(¥{{ row.pay_amount.toFixed(2) }})</span>
+        <span class="font-medium text-gray-900 dark:text-white">¥{{ value.toFixed(2) }}</span>
+        <span v-if="row.fee_rate > 0" class="ml-1 text-xs text-gray-400" :title="t('payment.orders.fee') + ': ' + row.fee_rate + '%'">
+          ({{ t('payment.orders.fee') }} {{ row.fee_rate }}%)
+        </span>
+        <div v-if="row.amount !== row.pay_amount" class="text-xs text-gray-500">
+          {{ t('payment.orders.creditedAmount') }}: {{ row.order_type === 'balance' ? '$' : '¥' }}{{ row.amount.toFixed(2) }}
+        </div>
       </div>
     </template>
     <template #cell-payment_type="{ value }">
@@ -60,7 +65,7 @@ const columns = computed((): Column[] => {
     cols.push({ key: 'user_email', label: t('payment.admin.colUser') })
   }
   cols.push(
-    { key: 'amount', label: t('payment.orders.amount') },
+    { key: 'pay_amount', label: t('payment.orders.payAmount') },
     { key: 'payment_type', label: t('payment.orders.paymentMethod') },
     { key: 'status', label: t('payment.orders.status') },
     { key: 'created_at', label: t('payment.orders.createdAt') },
diff --git a/frontend/src/i18n/locales/en.ts b/frontend/src/i18n/locales/en.ts
index a5b9f54b..bcae4d53 100644
--- a/frontend/src/i18n/locales/en.ts
+++ b/frontend/src/i18n/locales/en.ts
@@ -5387,6 +5387,10 @@ export default {
       orderNo: 'Order No.',
       amount: 'Amount',
       payAmount: 'Paid',
+      creditedAmount: 'Credited Amount',
+      fee: 'Fee',
+      baseAmount: 'Base Amount',
+      includedInPayAmount: 'included in paid amount',
       status: 'Status',
       paymentMethod: 'Payment Method',
       createdAt: 'Created',
diff --git a/frontend/src/i18n/locales/zh.ts b/frontend/src/i18n/locales/zh.ts
index 7983d103..9d163ef2 100644
--- a/frontend/src/i18n/locales/zh.ts
+++ b/frontend/src/i18n/locales/zh.ts
@@ -5575,6 +5575,10 @@ export default {
       orderNo: '订单编号',
       amount: '金额',
       payAmount: '实付',
+      creditedAmount: '到账金额',
+      fee: '手续费',
+      baseAmount: '充值金额',
+      includedInPayAmount: '已含在实付金额中',
       status: '状态',
       paymentMethod: '支付方式',
       createdAt: '创建时间',
diff --git a/frontend/src/types/payment.ts b/frontend/src/types/payment.ts
index 1ad4f2ff..7ecbb9a9 100644
--- a/frontend/src/types/payment.ts
+++ b/frontend/src/types/payment.ts
@@ -64,6 +64,7 @@ export interface CheckoutInfoResponse {
   plans: SubscriptionPlan[]
   balance_disabled: boolean
   balance_recharge_multiplier: number
+  recharge_fee_rate: number
   help_text: string
   help_image_url: string
   stripe_publishable_key: string
@@ -162,6 +163,7 @@ export interface CreateOrderResult {
   qr_code?: string
   client_secret?: string
   pay_amount: number
+  fee_rate: number
   expires_at: string
   payment_mode?: string
 }
diff --git a/frontend/src/views/admin/orders/AdminOrdersView.vue b/frontend/src/views/admin/orders/AdminOrdersView.vue
index efe41905..027c8e5e 100644
--- a/frontend/src/views/admin/orders/AdminOrdersView.vue
+++ b/frontend/src/views/admin/orders/AdminOrdersView.vue
@@ -65,7 +65,7 @@
           <div><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.amount') }}</p><p class="text-sm font-medium text-gray-900 dark:text-white">{{ selectedOrder.order_type === 'balance' ? '$' : '¥' }}{{ selectedOrder.amount.toFixed(2) }}</p></div>
           <div><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.payAmount') }}</p><p class="text-sm font-medium text-gray-900 dark:text-white">¥{{ selectedOrder.pay_amount.toFixed(2) }}</p></div>
           <div><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.paymentMethod') }}</p><p class="text-sm text-gray-700 dark:text-gray-300">{{ t('payment.methods.' + selectedOrder.payment_type, selectedOrder.payment_type) }}</p></div>
-          <div><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.feeRate') }}</p><p class="text-sm text-gray-700 dark:text-gray-300">{{ (selectedOrder.fee_rate * 100).toFixed(1) }}%</p></div>
+          <div><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.feeRate') }}</p><p class="text-sm text-gray-700 dark:text-gray-300">{{ selectedOrder.fee_rate }}%</p></div>
           <div><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.orders.createdAt') }}</p><p class="text-sm text-gray-700 dark:text-gray-300">{{ formatDateTime(selectedOrder.created_at) }}</p></div>
           <div><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.expiresAt') }}</p><p class="text-sm text-gray-700 dark:text-gray-300">{{ formatDateTime(selectedOrder.expires_at) }}</p></div>
           <div v-if="selectedOrder.paid_at"><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.paidAt') }}</p><p class="text-sm text-gray-700 dark:text-gray-300">{{ formatDateTime(selectedOrder.paid_at) }}</p></div>
diff --git a/frontend/src/views/user/PaymentResultView.vue b/frontend/src/views/user/PaymentResultView.vue
index 015c45ff..8e622ca3 100644
--- a/frontend/src/views/user/PaymentResultView.vue
+++ b/frontend/src/views/user/PaymentResultView.vue
@@ -36,14 +36,18 @@
               <span class="text-gray-500 dark:text-gray-400">{{ t('payment.orders.orderNo') }}</span>
               <span class="font-medium text-gray-900 dark:text-white">{{ order.out_trade_no }}</span>
             </div>
-            <div class="flex justify-between">
-              <span class="text-gray-500 dark:text-gray-400">{{ t('payment.orders.amount') }}</span>
-              <span class="font-medium text-gray-900 dark:text-white">{{ order.order_type === 'balance' ? '$' : '¥' }}{{ order.amount.toFixed(2) }}</span>
-            </div>
             <div class="flex justify-between">
               <span class="text-gray-500 dark:text-gray-400">{{ t('payment.orders.payAmount') }}</span>
               <span class="font-medium text-gray-900 dark:text-white">&#165;{{ order.pay_amount.toFixed(2) }}</span>
             </div>
+            <div v-if="order.fee_rate > 0" class="flex justify-between">
+              <span class="text-gray-500 dark:text-gray-400">{{ t('payment.orders.fee') }} ({{ order.fee_rate }}%)</span>
+              <span class="text-xs text-gray-400 dark:text-gray-500">{{ t('payment.orders.includedInPayAmount') }}</span>
+            </div>
+            <div v-if="order.amount !== order.pay_amount" class="flex justify-between">
+              <span class="text-gray-500 dark:text-gray-400">{{ t('payment.orders.creditedAmount') }}</span>
+              <span class="font-medium text-gray-900 dark:text-white">{{ order.order_type === 'balance' ? '$' : '¥' }}{{ order.amount.toFixed(2) }}</span>
+            </div>
             <div class="flex justify-between">
               <span class="text-gray-500 dark:text-gray-400">{{ t('payment.orders.paymentMethod') }}</span>
               <span class="font-medium text-gray-900 dark:text-white">{{ t('payment.methods.' + order.payment_type, order.payment_type) }}</span>
diff --git a/frontend/src/views/user/PaymentView.vue b/frontend/src/views/user/PaymentView.vue
index 5dcaa069..e91df5da 100644
--- a/frontend/src/views/user/PaymentView.vue
+++ b/frontend/src/views/user/PaymentView.vue
@@ -75,19 +75,19 @@
                   <span class="text-gray-500 dark:text-gray-400">{{ t('payment.paymentAmount') }}</span>
                   <span class="text-gray-900 dark:text-white">¥{{ validAmount.toFixed(2) }}</span>
                 </div>
-                <div class="flex justify-between">
-                  <span class="text-gray-500 dark:text-gray-400">{{ t('payment.creditedBalance') }}</span>
-                  <span class="text-gray-900 dark:text-white">${{ creditedAmount.toFixed(2) }}</span>
-                </div>
                 <div v-if="feeRate > 0" class="flex justify-between">
                   <span class="text-gray-500 dark:text-gray-400">{{ t('payment.fee') }} ({{ feeRate }}%)</span>
                   <span class="text-gray-900 dark:text-white">¥{{ feeAmount.toFixed(2) }}</span>
                 </div>
-                <div class="flex justify-between border-t border-gray-200 pt-2 dark:border-dark-600">
+                <div v-if="feeRate > 0" class="flex justify-between border-t border-gray-200 pt-2 dark:border-dark-600">
                   <span class="font-medium text-gray-700 dark:text-gray-300">{{ t('payment.actualPay') }}</span>
                   <span class="text-lg font-bold text-primary-600 dark:text-primary-400">¥{{ totalAmount.toFixed(2) }}</span>
                 </div>
-                <p class="border-t border-gray-200 pt-2 text-xs text-gray-500 dark:border-dark-600 dark:text-gray-400">
+                <div v-if="balanceRechargeMultiplier !== 1" class="flex justify-between" :class="{ 'border-t border-gray-200 pt-2 dark:border-dark-600': feeRate <= 0 }">
+                  <span class="text-gray-500 dark:text-gray-400">{{ t('payment.creditedBalance') }}</span>
+                  <span class="text-gray-900 dark:text-white">${{ creditedAmount.toFixed(2) }}</span>
+                </div>
+                <p v-if="balanceRechargeMultiplier !== 1" class="border-t border-gray-200 pt-2 text-xs text-gray-500 dark:border-dark-600 dark:text-gray-400">
                   {{ t('payment.rechargeRatePreview', { usd: balanceRechargeMultiplier.toFixed(2) }) }}
                 </p>
               </div>
@@ -361,7 +361,7 @@ function onStripeRedirect(orderId: number, payUrl: string) {
 // All checkout data from single API call
 const checkout = ref<CheckoutInfoResponse>({
   methods: {}, global_min: 0, global_max: 0,
-  plans: [], balance_disabled: false, balance_recharge_multiplier: 1, help_text: '', help_image_url: '', stripe_publishable_key: '',
+  plans: [], balance_disabled: false, balance_recharge_multiplier: 1, recharge_fee_rate: 0, help_text: '', help_image_url: '', stripe_publishable_key: '',
 })
 
 const tabs = computed(() => {
@@ -414,7 +414,7 @@ const methodOptions = computed<PaymentMethodOption[]>(() =>
   })
 )
 
-const feeRate = computed(() => selectedLimit.value?.fee_rate ?? 0)
+const feeRate = computed(() => checkout.value?.recharge_fee_rate ?? 0)
 const feeAmount = computed(() =>
   feeRate.value > 0 && validAmount.value > 0
     ? Math.ceil(((validAmount.value * feeRate.value) / 100) * 100) / 100