diff --git a/backend/internal/payment/provider/alipay.go b/backend/internal/payment/provider/alipay.go
index 4a260295..1234b568 100644
--- a/backend/internal/payment/provider/alipay.go
+++ b/backend/internal/payment/provider/alipay.go
@@ -15,8 +15,9 @@ import (
 
 // Alipay product codes.
 const (
-	alipayProductCodeWapPay  = "QUICK_WAP_WAY"
-	alipayProductCodePagePay = "FAST_INSTANT_TRADE_PAY"
+	alipayProductCodePreCreate = "FACE_TO_FACE_PAYMENT"
+	alipayProductCodeWapPay    = "QUICK_WAP_WAY"
+	alipayProductCodePagePay   = "FAST_INSTANT_TRADE_PAY"
 )
 
 // Alipay response constants.
@@ -30,6 +31,9 @@ var (
 	alipayTradeWapPay = func(client *alipay.Client, param alipay.TradeWapPay) (*url.URL, error) {
 		return client.TradeWapPay(param)
 	}
+	alipayTradePreCreate = func(ctx context.Context, client *alipay.Client, param alipay.TradePreCreate) (*alipay.TradePreCreateRsp, error) {
+		return client.TradePreCreate(ctx, param)
+	}
 	alipayTradePagePay = func(client *alipay.Client, param alipay.TradePagePay) (*url.URL, error) {
 		return client.TradePagePay(param)
 	}
@@ -99,13 +103,13 @@ func (a *Alipay) MerchantIdentityMetadata() map[string]string {
 	return map[string]string{"app_id": appID}
 }
 
-// CreatePayment creates an Alipay payment using redirect-only flow:
-//   - Mobile (H5): alipay.trade.wap.pay — returns a URL the browser jumps to.
-//   - PC: alipay.trade.page.pay — returns a gateway URL the browser opens in a
-//     new window; Alipay's own page then shows login/QR. We intentionally do
-//     NOT encode the URL into a QR on the client (it isn't a scannable payload
-//     and would produce an invalid scan result).
-func (a *Alipay) CreatePayment(_ context.Context, req payment.CreatePaymentRequest) (*payment.CreatePaymentResponse, error) {
+// CreatePayment creates an Alipay payment using the following routing:
+//   - Mobile (H5): alipay.trade.wap.pay — browser redirect into Alipay.
+//   - Desktop: prefer alipay.trade.precreate to get a scan payload directly.
+//   - Desktop fallback: if precreate is unavailable for the merchant, fall back
+//     to alipay.trade.page.pay and expose both pay_url and qr_code so the
+//     frontend can render a QR while still allowing direct page open.
+func (a *Alipay) CreatePayment(ctx context.Context, req payment.CreatePaymentRequest) (*payment.CreatePaymentResponse, error) {
 	client, err := a.getClient()
 	if err != nil {
 		return nil, err
@@ -123,7 +127,7 @@ func (a *Alipay) CreatePayment(_ context.Context, req payment.CreatePaymentReque
 	if req.IsMobile {
 		return a.createWapTrade(client, req, notifyURL, returnURL)
 	}
-	return a.createPagePayTrade(client, req, notifyURL, returnURL)
+	return a.createDesktopTrade(ctx, client, req, notifyURL, returnURL)
 }
 
 func (a *Alipay) createWapTrade(client *alipay.Client, req payment.CreatePaymentRequest, notifyURL, returnURL string) (*payment.CreatePaymentResponse, error) {
@@ -145,6 +149,48 @@ func (a *Alipay) createWapTrade(client *alipay.Client, req payment.CreatePayment
 	}, nil
 }
 
+func (a *Alipay) createDesktopTrade(ctx context.Context, client *alipay.Client, req payment.CreatePaymentRequest, notifyURL, returnURL string) (*payment.CreatePaymentResponse, error) {
+	resp, precreateErr := a.createPrecreateTrade(ctx, client, req, notifyURL)
+	if precreateErr == nil {
+		return resp, nil
+	}
+
+	resp, pagePayErr := a.createPagePayTrade(client, req, notifyURL, returnURL)
+	if pagePayErr == nil {
+		return resp, nil
+	}
+
+	return nil, fmt.Errorf("alipay desktop payment failed: precreate=%v; pagepay=%w", precreateErr, pagePayErr)
+}
+
+func (a *Alipay) createPrecreateTrade(ctx context.Context, client *alipay.Client, req payment.CreatePaymentRequest, notifyURL string) (*payment.CreatePaymentResponse, error) {
+	param := alipay.TradePreCreate{}
+	param.OutTradeNo = req.OrderID
+	param.TotalAmount = req.Amount
+	param.Subject = req.Subject
+	param.ProductCode = alipayProductCodePreCreate
+	param.NotifyURL = notifyURL
+
+	rsp, err := alipayTradePreCreate(ctx, client, param)
+	if err != nil {
+		return nil, fmt.Errorf("alipay TradePreCreate: %w", err)
+	}
+	if rsp == nil {
+		return nil, fmt.Errorf("alipay TradePreCreate: empty response")
+	}
+	if rsp.IsFailure() {
+		return nil, fmt.Errorf("alipay TradePreCreate failed: %s", rsp.Error.Error())
+	}
+	if strings.TrimSpace(rsp.QRCode) == "" {
+		return nil, fmt.Errorf("alipay TradePreCreate: empty qr_code")
+	}
+
+	return &payment.CreatePaymentResponse{
+		TradeNo: req.OrderID,
+		QRCode:  rsp.QRCode,
+	}, nil
+}
+
 func (a *Alipay) createPagePayTrade(client *alipay.Client, req payment.CreatePaymentRequest, notifyURL, returnURL string) (*payment.CreatePaymentResponse, error) {
 	param := alipay.TradePagePay{}
 	param.OutTradeNo = req.OrderID
@@ -161,6 +207,7 @@ func (a *Alipay) createPagePayTrade(client *alipay.Client, req payment.CreatePay
 	return &payment.CreatePaymentResponse{
 		TradeNo: req.OrderID,
 		PayURL:  payURL.String(),
+		QRCode:  payURL.String(),
 	}, nil
 }
 
@@ -192,7 +239,15 @@ func (a *Alipay) QueryOrder(ctx context.Context, tradeNo string) (*payment.Query
 
 	amount, err := strconv.ParseFloat(result.TotalAmount, 64)
 	if err != nil {
-		return nil, fmt.Errorf("alipay parse amount %q: %w", result.TotalAmount, err)
+		amount, err = parseAlipayAmount(
+			result.TotalAmount,
+			result.ReceiptAmount,
+			result.BuyerPayAmount,
+			result.InvoiceAmount,
+		)
+		if err != nil {
+			return nil, fmt.Errorf("alipay parse amount: %w", err)
+		}
 	}
 
 	return &payment.QueryOrderResponse{
@@ -228,7 +283,14 @@ func (a *Alipay) VerifyNotification(ctx context.Context, rawBody string, _ map[s
 
 	amount, err := strconv.ParseFloat(notification.TotalAmount, 64)
 	if err != nil {
-		return nil, fmt.Errorf("alipay parse notification amount %q: %w", notification.TotalAmount, err)
+		amount, err = parseAlipayAmount(
+			notification.TotalAmount,
+			notification.ReceiptAmount,
+			notification.BuyerPayAmount,
+		)
+		if err != nil {
+			return nil, fmt.Errorf("alipay parse notification amount: %w", err)
+		}
 	}
 
 	metadata := a.MerchantIdentityMetadata()
@@ -306,6 +368,20 @@ func isTradeNotExist(err error) bool {
 	return strings.Contains(err.Error(), alipayErrTradeNotExist)
 }
 
+func parseAlipayAmount(values ...string) (float64, error) {
+	for _, raw := range values {
+		raw = strings.TrimSpace(raw)
+		if raw == "" {
+			continue
+		}
+		amount, err := strconv.ParseFloat(raw, 64)
+		if err == nil {
+			return amount, nil
+		}
+	}
+	return 0, fmt.Errorf("no valid amount field")
+}
+
 // Ensure interface compliance.
 var (
 	_ payment.Provider                 = (*Alipay)(nil)
diff --git a/backend/internal/payment/provider/alipay_test.go b/backend/internal/payment/provider/alipay_test.go
index 8b3ff8ce..fdc8eec1 100644
--- a/backend/internal/payment/provider/alipay_test.go
+++ b/backend/internal/payment/provider/alipay_test.go
@@ -3,6 +3,7 @@
 package provider
 
 import (
+	"context"
 	"errors"
 	"net/url"
 	"strings"
@@ -136,15 +137,22 @@ func TestNewAlipay(t *testing.T) {
 }
 
 func TestCreateTradeUsesPagePayForDesktop(t *testing.T) {
+	origPreCreate := alipayTradePreCreate
 	origPagePay := alipayTradePagePay
 	origWapPay := alipayTradeWapPay
 	t.Cleanup(func() {
+		alipayTradePreCreate = origPreCreate
 		alipayTradePagePay = origPagePay
 		alipayTradeWapPay = origWapPay
 	})
 
+	preCreateCalls := 0
 	pagePayCalls := 0
 	wapPayCalls := 0
+	alipayTradePreCreate = func(ctx context.Context, client *alipay.Client, param alipay.TradePreCreate) (*alipay.TradePreCreateRsp, error) {
+		preCreateCalls++
+		return nil, errors.New("merchant does not have FACE_TO_FACE_PAYMENT")
+	}
 	alipayTradePagePay = func(client *alipay.Client, param alipay.TradePagePay) (*url.URL, error) {
 		pagePayCalls++
 		if param.OutTradeNo != "sub2_100" {
@@ -161,7 +169,7 @@ func TestCreateTradeUsesPagePayForDesktop(t *testing.T) {
 	}
 
 	provider := &Alipay{}
-	resp, err := provider.createPagePayTrade(&alipay.Client{}, payment.CreatePaymentRequest{
+	resp, err := provider.createDesktopTrade(context.Background(), &alipay.Client{}, payment.CreatePaymentRequest{
 		OrderID: "sub2_100",
 		Amount:  "88.00",
 		Subject: "Balance recharge",
@@ -169,6 +177,9 @@ func TestCreateTradeUsesPagePayForDesktop(t *testing.T) {
 	if err != nil {
 		t.Fatalf("unexpected error: %v", err)
 	}
+	if preCreateCalls != 1 {
+		t.Fatalf("precreate calls = %d, want 1", preCreateCalls)
+	}
 	if pagePayCalls != 1 {
 		t.Fatalf("page pay calls = %d, want 1", pagePayCalls)
 	}
@@ -178,6 +189,9 @@ func TestCreateTradeUsesPagePayForDesktop(t *testing.T) {
 	if resp.PayURL == "" {
 		t.Fatal("expected pay_url for desktop page pay")
 	}
+	if resp.QRCode != resp.PayURL {
+		t.Fatalf("qr_code = %q, want same as pay_url %q", resp.QRCode, resp.PayURL)
+	}
 }
 
 func TestCreateTradeUsesWapPayForMobile(t *testing.T) {
@@ -213,6 +227,54 @@ func TestCreateTradeUsesWapPayForMobile(t *testing.T) {
 	}
 }
 
+func TestCreateTradeUsesPrecreateForDesktopWhenAvailable(t *testing.T) {
+	origPreCreate := alipayTradePreCreate
+	origPagePay := alipayTradePagePay
+	t.Cleanup(func() {
+		alipayTradePreCreate = origPreCreate
+		alipayTradePagePay = origPagePay
+	})
+
+	preCreateCalls := 0
+	pagePayCalls := 0
+	alipayTradePreCreate = func(ctx context.Context, client *alipay.Client, param alipay.TradePreCreate) (*alipay.TradePreCreateRsp, error) {
+		preCreateCalls++
+		if param.ProductCode != alipayProductCodePreCreate {
+			t.Fatalf("product_code = %q, want %q", param.ProductCode, alipayProductCodePreCreate)
+		}
+		return &alipay.TradePreCreateRsp{
+			Error:  alipay.Error{Code: alipay.CodeSuccess},
+			QRCode: "https://qr.alipay.example.com/precreate-token",
+		}, nil
+	}
+	alipayTradePagePay = func(client *alipay.Client, param alipay.TradePagePay) (*url.URL, error) {
+		pagePayCalls++
+		return url.Parse("https://openapi.alipay.com/gateway.do?page-pay")
+	}
+
+	provider := &Alipay{}
+	resp, err := provider.createDesktopTrade(context.Background(), &alipay.Client{}, payment.CreatePaymentRequest{
+		OrderID: "sub2_102",
+		Amount:  "66.00",
+		Subject: "Balance recharge",
+	}, "https://merchant.example.com/api/v1/payment/webhook/alipay", "https://merchant.example.com/payment/result")
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if preCreateCalls != 1 {
+		t.Fatalf("precreate calls = %d, want 1", preCreateCalls)
+	}
+	if pagePayCalls != 0 {
+		t.Fatalf("page pay calls = %d, want 0", pagePayCalls)
+	}
+	if resp.QRCode != "https://qr.alipay.example.com/precreate-token" {
+		t.Fatalf("qr_code = %q", resp.QRCode)
+	}
+	if resp.PayURL != "" {
+		t.Fatalf("pay_url = %q, want empty for precreate", resp.PayURL)
+	}
+}
+
 func TestAlipayMerchantIdentityMetadata(t *testing.T) {
 	t.Parallel()
 
@@ -227,3 +289,19 @@ func TestAlipayMerchantIdentityMetadata(t *testing.T) {
 		t.Fatalf("app_id = %q, want %q", metadata["app_id"], "2021001234567890")
 	}
 }
+
+func TestParseAlipayAmount(t *testing.T) {
+	t.Parallel()
+
+	amount, err := parseAlipayAmount("", "88.00", "77.00")
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if amount != 88 {
+		t.Fatalf("amount = %v, want 88", amount)
+	}
+
+	if _, err := parseAlipayAmount("", "not-a-number"); err == nil {
+		t.Fatal("expected error when no valid amount field exists")
+	}
+}
diff --git a/docs/PAYMENT.md b/docs/PAYMENT.md
index 9322f7bf..af93fa7e 100644
--- a/docs/PAYMENT.md
+++ b/docs/PAYMENT.md
@@ -122,7 +122,7 @@ Compatible with any payment service that implements the EasyPay protocol.
 
 ### Alipay (Direct)
 
-Direct integration with Alipay Open Platform. Desktop flows return a QR code for in-page display, while mobile flows return an Alipay WAP/app redirect URL.
+Direct integration with Alipay Open Platform. Mobile flows return an Alipay WAP/app redirect URL. Desktop flows prefer Face-to-Face Precreate QR payloads; if the merchant has not enabled that product, the provider falls back to Computer Website Pay and also returns the cashier URL so the frontend can render a QR code or open the hosted checkout page directly.
 
 | Parameter | Description | Required |
 |-----------|-------------|----------|
@@ -229,7 +229,7 @@ User selects amount and payment method
        ▼
   User completes payment
   ├─ EasyPay     → QR code / H5 redirect
-  ├─ Alipay      → Desktop QR / mobile Alipay redirect
+  ├─ Alipay      → Desktop QR payload (Face-to-Face preferred, Website Pay fallback) / mobile Alipay redirect
   ├─ WeChat Pay  → Desktop Native QR / non-WeChat H5 / in-WeChat JSAPI
   └─ Stripe      → Payment Element (card/Alipay/WeChat/etc.)
        │
diff --git a/docs/PAYMENT_CN.md b/docs/PAYMENT_CN.md
index 0fbc198a..ae765fb9 100644
--- a/docs/PAYMENT_CN.md
+++ b/docs/PAYMENT_CN.md
@@ -122,7 +122,7 @@ Sub2API 内置支付系统，支持用户自助充值，无需部署独立的支
 
 ### 支付宝官方
 
-直接对接支付宝开放平台。桌面端返回二维码供页面内展示和扫码，移动端返回支付宝手机网站支付跳转链接。
+直接对接支付宝开放平台。移动端走支付宝手机网站支付跳转；桌面端优先使用当面付返回扫码串，若商户未开通当面付则回退到电脑网站支付，并将收银台链接同时返回给前端用于渲染二维码或直接打开支付页。
 
 | 参数 | 说明 | 必填 |
 |------|------|------|
@@ -229,7 +229,7 @@ Sub2API 内置支付系统，支持用户自助充值，无需部署独立的支
        ▼
   用户完成支付
   ├─ EasyPay    → 扫码 / H5 跳转
-  ├─ 支付宝官方  → 桌面二维码 / 移动端支付宝跳转
+  ├─ 支付宝官方  → 桌面扫码单（当面付优先，电脑网站支付回退）/ 移动端支付宝跳转
   ├─ 微信官方    → 桌面 Native 扫码 / 非微信 H5 / 微信内 JSAPI
   └─ Stripe     → Payment Element（银行卡/支付宝/微信等）
        │
diff --git a/frontend/src/components/common/HelpTooltip.vue b/frontend/src/components/common/HelpTooltip.vue
index e95052da..d2a2e48f 100644
--- a/frontend/src/components/common/HelpTooltip.vue
+++ b/frontend/src/components/common/HelpTooltip.vue
@@ -1,23 +1,69 @@
 <script setup lang="ts">
-import { ref, useTemplateRef, nextTick } from 'vue'
+import { onBeforeUnmount, onMounted, ref, useTemplateRef, nextTick } from 'vue'
 
-defineProps<{
+const props = withDefaults(defineProps<{
   content?: string
-}>()
+  trigger?: 'hover' | 'click'
+  widthClass?: string
+}>(), {
+  trigger: 'hover',
+  widthClass: 'w-64',
+})
 
 const show = ref(false)
 const triggerRef = useTemplateRef<HTMLElement>('trigger')
+const tooltipRef = useTemplateRef<HTMLElement>('tooltip')
 const tooltipStyle = ref({ top: '0px', left: '0px' })
 
-function onEnter() {
+function openTooltip() {
   show.value = true
   nextTick(updatePosition)
 }
 
-function onLeave() {
+function closeTooltip() {
   show.value = false
 }
 
+function onEnter() {
+  if (props.trigger !== 'hover') return
+  openTooltip()
+}
+
+function onLeave() {
+  if (props.trigger !== 'hover') return
+  closeTooltip()
+}
+
+function onClick(event: MouseEvent) {
+  if (props.trigger !== 'click') return
+  event.stopPropagation()
+  if (show.value) {
+    closeTooltip()
+    return
+  }
+  openTooltip()
+}
+
+function onDocumentClick(event: MouseEvent) {
+  if (props.trigger !== 'click' || !show.value) return
+  const target = event.target as Node | null
+  if (!target) return
+  if (triggerRef.value?.contains(target) || tooltipRef.value?.contains(target)) return
+  closeTooltip()
+}
+
+function onDocumentKeydown(event: KeyboardEvent) {
+  if (props.trigger !== 'click') return
+  if (event.key === 'Escape') {
+    closeTooltip()
+  }
+}
+
+function onViewportChange() {
+  if (!show.value) return
+  updatePosition()
+}
+
 function updatePosition() {
   const el = triggerRef.value
   if (!el) return
@@ -27,6 +73,20 @@ function updatePosition() {
     left: `${rect.left + rect.width / 2 + window.scrollX}px`,
   }
 }
+
+onMounted(() => {
+  document.addEventListener('click', onDocumentClick, true)
+  document.addEventListener('keydown', onDocumentKeydown)
+  window.addEventListener('resize', onViewportChange)
+  window.addEventListener('scroll', onViewportChange, true)
+})
+
+onBeforeUnmount(() => {
+  document.removeEventListener('click', onDocumentClick, true)
+  document.removeEventListener('keydown', onDocumentKeydown)
+  window.removeEventListener('resize', onViewportChange)
+  window.removeEventListener('scroll', onViewportChange, true)
+})
 </script>
 
 <template>
@@ -35,6 +95,7 @@ function updatePosition() {
     class="group relative ml-1 inline-flex items-center align-middle"
     @mouseenter="onEnter"
     @mouseleave="onLeave"
+    @click="onClick"
   >
     <!-- Trigger Icon -->
     <slot name="trigger">
@@ -56,10 +117,26 @@ function updatePosition() {
     <!-- Teleport to body to escape modal overflow clipping -->
     <Teleport to="body">
       <div
+        ref="tooltip"
         v-show="show"
-        class="fixed z-[99999] w-64 -translate-x-1/2 -translate-y-full rounded-lg bg-gray-900 p-3 text-xs leading-relaxed text-white shadow-xl ring-1 ring-white/10 dark:bg-gray-800"
+        role="tooltip"
+        :class="[
+          'fixed z-[99999] -translate-x-1/2 -translate-y-full rounded-lg bg-gray-900 p-3 text-xs leading-relaxed text-white shadow-xl ring-1 ring-white/10 dark:bg-gray-800',
+          props.widthClass,
+        ]"
         :style="{ top: `calc(${tooltipStyle.top} - 8px)`, left: tooltipStyle.left }"
       >
+        <button
+          v-if="props.trigger === 'click'"
+          type="button"
+          class="absolute right-1.5 top-1.5 rounded p-1 text-gray-300 transition-colors hover:bg-white/10 hover:text-white"
+          aria-label="Close"
+          @click.stop="closeTooltip"
+        >
+          <svg class="h-3.5 w-3.5" fill="none" viewBox="0 0 24 24" stroke="currentColor" stroke-width="2">
+            <path stroke-linecap="round" stroke-linejoin="round" d="M6 18L18 6M6 6l12 12" />
+          </svg>
+        </button>
         <slot>{{ content }}</slot>
         <div class="absolute -bottom-1 left-1/2 h-2 w-2 -translate-x-1/2 rotate-45 bg-gray-900 dark:bg-gray-800"></div>
       </div>
diff --git a/frontend/src/components/common/__tests__/HelpTooltip.spec.ts b/frontend/src/components/common/__tests__/HelpTooltip.spec.ts
new file mode 100644
index 00000000..778aabd9
--- /dev/null
+++ b/frontend/src/components/common/__tests__/HelpTooltip.spec.ts
@@ -0,0 +1,80 @@
+import { afterEach, describe, expect, it } from 'vitest'
+import { mount } from '@vue/test-utils'
+import { nextTick } from 'vue'
+import HelpTooltip from '@/components/common/HelpTooltip.vue'
+
+function getTooltipElement(): HTMLDivElement {
+  const tooltip = document.body.querySelector('[role="tooltip"]')
+  if (!(tooltip instanceof HTMLDivElement)) {
+    throw new Error('tooltip element not found')
+  }
+  return tooltip
+}
+
+describe('HelpTooltip', () => {
+  afterEach(() => {
+    document.body.innerHTML = ''
+  })
+
+  it('keeps the existing hover interaction by default', async () => {
+    const wrapper = mount(HelpTooltip, {
+      attachTo: document.body,
+      props: {
+        content: 'hover details',
+      },
+    })
+
+    const trigger = wrapper.get('.group')
+    const tooltip = getTooltipElement()
+
+    expect(tooltip.style.display).toBe('none')
+
+    await trigger.trigger('mouseenter')
+    await nextTick()
+    expect(tooltip.style.display).not.toBe('none')
+
+    await trigger.trigger('mouseleave')
+    await nextTick()
+    expect(tooltip.style.display).toBe('none')
+
+    wrapper.unmount()
+  })
+
+  it('supports click-to-toggle details and closes on outside click', async () => {
+    const wrapper = mount(HelpTooltip, {
+      attachTo: document.body,
+      props: {
+        content: 'click details',
+        trigger: 'click',
+      },
+    })
+
+    const trigger = wrapper.get('.group')
+    const tooltip = getTooltipElement()
+
+    expect(tooltip.style.display).toBe('none')
+
+    await trigger.trigger('click')
+    await nextTick()
+    expect(tooltip.style.display).not.toBe('none')
+    expect(tooltip.textContent).toContain('click details')
+
+    const closeButton = tooltip.querySelector('button[aria-label="Close"]')
+    if (!(closeButton instanceof HTMLButtonElement)) {
+      throw new Error('close button not found')
+    }
+    closeButton.click()
+    await nextTick()
+    expect(tooltip.style.display).toBe('none')
+
+    await trigger.trigger('click')
+    await nextTick()
+    expect(tooltip.style.display).not.toBe('none')
+
+    document.body.dispatchEvent(new MouseEvent('click', { bubbles: true }))
+    await nextTick()
+    expect(tooltip.style.display).toBe('none')
+
+    wrapper.unmount()
+  })
+})
diff --git a/frontend/src/components/payment/PaymentProviderDialog.vue b/frontend/src/components/payment/PaymentProviderDialog.vue
index 624ddcdd..0e03ec60 100644
--- a/frontend/src/components/payment/PaymentProviderDialog.vue
+++ b/frontend/src/components/payment/PaymentProviderDialog.vue
@@ -73,9 +73,42 @@
 
       <!-- Config fields -->
       <div class="border-t border-gray-200 pt-4 dark:border-dark-700">
-        <h4 class="mb-3 text-sm font-semibold text-gray-900 dark:text-white">
-          {{ t('admin.settings.payment.providerConfig') }}
-        </h4>
+        <div class="mb-3 flex items-center gap-2">
+          <h4 class="text-sm font-semibold text-gray-900 dark:text-white">
+            {{ t('admin.settings.payment.providerConfig') }}
+          </h4>
+          <HelpTooltip v-if="paymentGuide" trigger="click" width-class="w-80">
+            <template #trigger>
+              <button
+                type="button"
+                class="inline-flex h-5 w-5 items-center justify-center rounded-full border border-gray-300 text-[11px] font-semibold text-gray-400 transition-colors hover:border-primary-500 hover:text-primary-600 dark:border-dark-500 dark:text-gray-500 dark:hover:border-primary-400 dark:hover:text-primary-400"
+                :aria-label="t('admin.settings.payment.paymentGuideTrigger')"
+                :title="t('admin.settings.payment.paymentGuideTrigger')"
+              >
+                ?
+              </button>
+            </template>
+            <div class="space-y-3">
+              <p class="font-medium text-white">{{ paymentGuide.summary }}</p>
+              <div
+                v-for="item in paymentGuide.items"
+                :key="item.title"
+                class="space-y-1.5 border-t border-white/10 pt-2 first:border-t-0 first:pt-0"
+              >
+                <p class="font-medium text-white">{{ item.title }}</p>
+                <p><span class="text-gray-300">{{ t('admin.settings.payment.guideOpenLabel') }}</span>{{ item.open }}</p>
+                <p><span class="text-gray-300">{{ t('admin.settings.payment.guideCallLabel') }}</span>{{ item.call }}</p>
+                <p><span class="text-gray-300">{{ t('admin.settings.payment.guideFallbackLabel') }}</span>{{ item.fallback }}</p>
+              </div>
+              <p v-if="paymentGuide.note" class="border-t border-white/10 pt-2 text-[11px] text-gray-300">
+                {{ paymentGuide.note }}
+              </p>
+            </div>
+          </HelpTooltip>
+        </div>
+        <p v-if="paymentGuide" class="mb-3 text-xs text-gray-500 dark:text-gray-400">
+          {{ paymentGuide.summary }}
+        </p>
         <div class="space-y-3">
           <div v-for="field in resolvedFields" :key="field.key">
             <label class="input-label">
@@ -220,6 +253,7 @@
 import { reactive, computed, ref } from 'vue'
 import { useI18n } from 'vue-i18n'
 import BaseDialog from '@/components/common/BaseDialog.vue'
+import HelpTooltip from '@/components/common/HelpTooltip.vue'
 import Select from '@/components/common/Select.vue'
 import type { SelectOption } from '@/components/common/Select.vue'
 import ToggleSwitch from './ToggleSwitch.vue'
@@ -263,6 +297,19 @@ const emit = defineEmits<{
 
 const { t } = useI18n()
 
+interface PaymentGuideItem {
+  title: string
+  open: string
+  call: string
+  fallback: string
+}
+
+interface PaymentGuide {
+  summary: string
+  items: PaymentGuideItem[]
+  note?: string
+}
+
 // --- Form state ---
 const form = reactive({
   name: '',
@@ -314,6 +361,63 @@ const resolvedFields = computed(() => {
   }))
 })
 
+const paymentGuide = computed<PaymentGuide | null>(() => {
+  if (form.provider_key === 'alipay') {
+    return {
+      summary: t('admin.settings.payment.alipayGuideSummary'),
+      items: [
+        {
+          title: t('admin.settings.payment.alipayGuideFaceToFaceTitle'),
+          open: t('admin.settings.payment.alipayGuideFaceToFaceOpen'),
+          call: t('admin.settings.payment.alipayGuideFaceToFaceCall'),
+          fallback: t('admin.settings.payment.alipayGuideFaceToFaceFallback'),
+        },
+        {
+          title: t('admin.settings.payment.alipayGuidePagePayTitle'),
+          open: t('admin.settings.payment.alipayGuidePagePayOpen'),
+          call: t('admin.settings.payment.alipayGuidePagePayCall'),
+          fallback: t('admin.settings.payment.alipayGuidePagePayFallback'),
+        },
+        {
+          title: t('admin.settings.payment.alipayGuideWapTitle'),
+          open: t('admin.settings.payment.alipayGuideWapOpen'),
+          call: t('admin.settings.payment.alipayGuideWapCall'),
+          fallback: t('admin.settings.payment.alipayGuideWapFallback'),
+        },
+      ],
+    }
+  }
+
+  if (form.provider_key === 'wxpay') {
+    return {
+      summary: t('admin.settings.payment.wxpayGuideSummary'),
+      note: t('admin.settings.payment.wxpayGuideNote'),
+      items: [
+        {
+          title: t('admin.settings.payment.wxpayGuideNativeTitle'),
+          open: t('admin.settings.payment.wxpayGuideNativeOpen'),
+          call: t('admin.settings.payment.wxpayGuideNativeCall'),
+          fallback: t('admin.settings.payment.wxpayGuideNativeFallback'),
+        },
+        {
+          title: t('admin.settings.payment.wxpayGuideJsapiTitle'),
+          open: t('admin.settings.payment.wxpayGuideJsapiOpen'),
+          call: t('admin.settings.payment.wxpayGuideJsapiCall'),
+          fallback: t('admin.settings.payment.wxpayGuideJsapiFallback'),
+        },
+        {
+          title: t('admin.settings.payment.wxpayGuideH5Title'),
+          open: t('admin.settings.payment.wxpayGuideH5Open'),
+          call: t('admin.settings.payment.wxpayGuideH5Call'),
+          fallback: t('admin.settings.payment.wxpayGuideH5Fallback'),
+        },
+      ],
+    }
+  }
+
+  return null
+})
+
 const limitableTypes = computed(() => {
   // Stripe: single "stripe" entry (one set of shared limits)
   if (form.provider_key === 'stripe') {
diff --git a/frontend/src/components/payment/PaymentStatusPanel.vue b/frontend/src/components/payment/PaymentStatusPanel.vue
index 0fd444ac..2cdc9dce 100644
--- a/frontend/src/components/payment/PaymentStatusPanel.vue
+++ b/frontend/src/components/payment/PaymentStatusPanel.vue
@@ -84,6 +84,9 @@
             </div>
           </div>
           <p v-if="scanHint" class="text-center text-sm text-gray-500 dark:text-gray-400">{{ scanHint }}</p>
+          <button v-if="payUrl" class="btn btn-secondary text-sm" @click="reopenPopup">
+            {{ t('payment.qr.openPayWindow') }}
+          </button>
         </div>
       </div>
       <div class="card p-4 text-center">
diff --git a/frontend/src/components/payment/__tests__/PaymentProviderDialog.spec.ts b/frontend/src/components/payment/__tests__/PaymentProviderDialog.spec.ts
new file mode 100644
index 00000000..637d805f
--- /dev/null
+++ b/frontend/src/components/payment/__tests__/PaymentProviderDialog.spec.ts
@@ -0,0 +1,78 @@
+import { describe, expect, it, vi } from 'vitest'
+import { mount } from '@vue/test-utils'
+import { nextTick } from 'vue'
+import PaymentProviderDialog from '@/components/payment/PaymentProviderDialog.vue'
+
+const messages: Record<string, string> = {
+  'admin.settings.payment.providerConfig': 'Credentials',
+  'admin.settings.payment.paymentGuideTrigger': 'View payment guide',
+  'admin.settings.payment.alipayGuideSummary': 'Desktop prefers QR precreate and falls back to cashier; mobile prefers WAP checkout.',
+  'admin.settings.payment.wxpayGuideSummary': 'Desktop prefers Native QR; mobile routes to JSAPI or H5 based on browser context.',
+}
+
+vi.mock('vue-i18n', () => ({
+  useI18n: () => ({
+    t: (key: string) => messages[key] ?? key,
+  }),
+}))
+
+function mountDialog() {
+  return mount(PaymentProviderDialog, {
+    props: {
+      show: true,
+      saving: false,
+      editing: null,
+      allKeyOptions: [
+        { value: 'alipay', label: 'Alipay' },
+        { value: 'wxpay', label: 'WeChat Pay' },
+        { value: 'stripe', label: 'Stripe' },
+      ],
+      enabledKeyOptions: [
+        { value: 'alipay', label: 'Alipay' },
+        { value: 'wxpay', label: 'WeChat Pay' },
+      ],
+      allPaymentTypes: [
+        { value: 'alipay', label: 'Alipay' },
+        { value: 'wxpay', label: 'WeChat Pay' },
+      ],
+      redirectLabel: 'Redirect',
+    },
+    global: {
+      stubs: {
+        BaseDialog: {
+          template: '<div><slot /><slot name="footer" /></div>',
+        },
+        Select: {
+          props: ['modelValue', 'options', 'disabled'],
+          template: '<div />',
+        },
+        ToggleSwitch: {
+          template: '<div />',
+        },
+      },
+    },
+  })
+}
+
+describe('PaymentProviderDialog payment guide', () => {
+  it('shows no payment guide for providers without a flow guide', () => {
+    const wrapper = mountDialog()
+
+    expect(wrapper.text()).not.toContain(messages['admin.settings.payment.alipayGuideSummary'])
+    expect(wrapper.text()).not.toContain(messages['admin.settings.payment.wxpayGuideSummary'])
+    expect(wrapper.find('button[title="View payment guide"]').exists()).toBe(false)
+  })
+
+  it.each([
+    ['alipay', 'admin.settings.payment.alipayGuideSummary'],
+    ['wxpay', 'admin.settings.payment.wxpayGuideSummary'],
+  ])('shows the payment guide summary for %s', async (providerKey, summaryKey) => {
+    const wrapper = mountDialog()
+
+    ;(wrapper.vm as unknown as { reset: (key: string) => void }).reset(providerKey)
+    await nextTick()
+
+    expect(wrapper.text()).toContain(messages[summaryKey])
+    expect(wrapper.find('button[title="View payment guide"]').exists()).toBe(true)
+  })
+})
diff --git a/frontend/src/components/payment/__tests__/PaymentStatusPanel.spec.ts b/frontend/src/components/payment/__tests__/PaymentStatusPanel.spec.ts
index d7017e1f..ea2b6377 100644
--- a/frontend/src/components/payment/__tests__/PaymentStatusPanel.spec.ts
+++ b/frontend/src/components/payment/__tests__/PaymentStatusPanel.spec.ts
@@ -96,4 +96,36 @@ describe('PaymentStatusPanel', () => {
     expect(wrapper.text()).toContain('payment.result.success')
     expect(wrapper.emitted('success')).toHaveLength(1)
   })
+
+  it('shows reopen button in QR mode when payUrl is also available', async () => {
+    const openSpy = vi.spyOn(window, 'open').mockReturnValue({ closed: false } as Window)
+
+    const wrapper = mount(PaymentStatusPanel, {
+      props: {
+        orderId: 42,
+        qrCode: 'https://pay.example.com/qr/42',
+        payUrl: 'https://pay.example.com/session/42',
+        expiresAt: '2099-01-01T12:30:00Z',
+        paymentType: 'alipay',
+        orderType: 'balance',
+      },
+      global: {
+        stubs: {
+          Icon: true,
+        },
+      },
+    })
+
+    await flushPromises()
+    expect(wrapper.text()).toContain('payment.qr.openPayWindow')
+
+    await wrapper.get('button.btn.btn-secondary.text-sm').trigger('click')
+    expect(openSpy).toHaveBeenCalledWith(
+      'https://pay.example.com/session/42',
+      'paymentPopup',
+      expect.any(String),
+    )
+
+    openSpy.mockRestore()
+  })
 })
diff --git a/frontend/src/components/payment/__tests__/paymentFlow.spec.ts b/frontend/src/components/payment/__tests__/paymentFlow.spec.ts
index 48c77dfb..72dc61f1 100644
--- a/frontend/src/components/payment/__tests__/paymentFlow.spec.ts
+++ b/frontend/src/components/payment/__tests__/paymentFlow.spec.ts
@@ -190,12 +190,14 @@ describe('buildCreateOrderPayload', () => {
       paymentType: 'alipay_direct',
       orderType: 'balance',
       origin: 'https://app.example.com/',
+      isMobile: true,
       isWechatBrowser: false,
     })).toEqual({
       amount: 88,
       payment_type: 'alipay',
       order_type: 'balance',
       return_url: 'https://app.example.com/payment/result',
+      is_mobile: true,
       payment_source: 'hosted_redirect',
     })
   })
@@ -207,6 +209,7 @@ describe('buildCreateOrderPayload', () => {
       orderType: 'subscription',
       planId: 7,
       origin: 'https://app.example.com',
+      isMobile: false,
       isWechatBrowser: true,
     })).toEqual({
       amount: 128,
@@ -214,6 +217,7 @@ describe('buildCreateOrderPayload', () => {
       order_type: 'subscription',
       plan_id: 7,
       return_url: 'https://app.example.com/payment/result',
+      is_mobile: false,
       payment_source: 'wechat_in_app_resume',
     })
   })
diff --git a/frontend/src/components/payment/__tests__/providerConfig.spec.ts b/frontend/src/components/payment/__tests__/providerConfig.spec.ts
index 6a4c9c26..ec63726f 100644
--- a/frontend/src/components/payment/__tests__/providerConfig.spec.ts
+++ b/frontend/src/components/payment/__tests__/providerConfig.spec.ts
@@ -12,9 +12,9 @@ describe('PROVIDER_CONFIG_FIELDS.wxpay', () => {
     expect(findField('certSerial')?.optional).toBeFalsy()
   })
 
-  it('exposes optional mp and H5 metadata fields for WeChat-specific flows', () => {
-    expect(findField('mpAppId')?.optional).toBe(true)
-    expect(findField('h5AppName')?.optional).toBe(true)
-    expect(findField('h5AppUrl')?.optional).toBe(true)
+  it('only keeps the simplified visible credential set in the admin form', () => {
+    expect(findField('mpAppId')).toBeUndefined()
+    expect(findField('h5AppName')).toBeUndefined()
+    expect(findField('h5AppUrl')).toBeUndefined()
   })
 })
diff --git a/frontend/src/components/payment/paymentFlow.ts b/frontend/src/components/payment/paymentFlow.ts
index 05f36ed0..2a5f93dc 100644
--- a/frontend/src/components/payment/paymentFlow.ts
+++ b/frontend/src/components/payment/paymentFlow.ts
@@ -68,6 +68,7 @@ export interface BuildCreateOrderPayloadInput {
   orderType: OrderType
   planId?: number
   origin?: string
+  isMobile: boolean
   isWechatBrowser: boolean
 }
 
@@ -106,6 +107,7 @@ export function buildCreateOrderPayload(input: BuildCreateOrderPayloadInput): Cr
     amount: input.amount,
     payment_type: visibleMethod,
     order_type: input.orderType,
+    is_mobile: input.isMobile,
     payment_source: visibleMethod === 'wxpay' && input.isWechatBrowser
       ? 'wechat_in_app_resume'
       : 'hosted_redirect',
diff --git a/frontend/src/components/payment/providerConfig.ts b/frontend/src/components/payment/providerConfig.ts
index 67ffdec1..f4f5acdc 100644
--- a/frontend/src/components/payment/providerConfig.ts
+++ b/frontend/src/components/payment/providerConfig.ts
@@ -96,15 +96,12 @@ export const PROVIDER_CONFIG_FIELDS: Record<string, ConfigFieldDef[]> = {
   ],
   wxpay: [
     { key: 'appId', label: 'App ID', sensitive: false },
-    { key: 'mpAppId', label: '', sensitive: false, optional: true },
     { 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 },
-    { key: 'h5AppName', label: '', sensitive: false, optional: true },
-    { key: 'h5AppUrl', label: '', sensitive: false, optional: true },
   ],
   stripe: [
     { key: 'secretKey', label: '', sensitive: true },
diff --git a/frontend/src/i18n/locales/en.ts b/frontend/src/i18n/locales/en.ts
index bbddfa35..1b7ffa81 100644
--- a/frontend/src/i18n/locales/en.ts
+++ b/frontend/src/i18n/locales/en.ts
@@ -4741,6 +4741,8 @@ export default {
         field_certSerial: 'Certificate Serial',
         field_h5AppName: 'H5 App Name',
         field_h5AppUrl: 'H5 App URL',
+        wxpayConfigHint: 'WeChat Pay usually only needs App ID. Fill MP App ID, H5 App Name, and H5 App URL only when your Official Account or H5 flow specifically requires them.',
+        wxpayAdvancedOptions: 'WeChat Pay Advanced Options',
         field_secretKey: 'Secret Key',
         field_publishableKey: 'Publishable Key',
         field_webhookSecret: 'Webhook Secret',
@@ -4771,6 +4773,37 @@ export default {
         providerKey: 'Provider Type',
         selectProviderKey: 'Select Provider Type',
         providerConfig: 'Credentials',
+        paymentGuideTrigger: 'View payment guide',
+        guideOpenLabel: 'Enable: ',
+        guideCallLabel: 'Call: ',
+        guideFallbackLabel: 'Fallback: ',
+        alipayGuideSummary: 'Desktop prefers QR precreate and falls back to cashier; mobile prefers WAP checkout.',
+        alipayGuideFaceToFaceTitle: 'Face-to-face / QR Payment',
+        alipayGuideFaceToFaceOpen: 'Enable face-to-face or QR payment capability.',
+        alipayGuideFaceToFaceCall: 'Desktop orders call alipay.trade.precreate first and render the QR code directly.',
+        alipayGuideFaceToFaceFallback: 'If unavailable or failed, the flow falls back to website checkout automatically.',
+        alipayGuidePagePayTitle: 'Website Payment',
+        alipayGuidePagePayOpen: 'Enable website payment.',
+        alipayGuidePagePayCall: 'When face-to-face is unavailable on desktop, the flow calls alipay.trade.page.pay and still renders the returned link as a QR code.',
+        alipayGuidePagePayFallback: 'The cashier link stays available so users can reopen the checkout page manually.',
+        alipayGuideWapTitle: 'WAP Payment',
+        alipayGuideWapOpen: 'Enable mobile website payment.',
+        alipayGuideWapCall: 'Mobile orders call alipay.trade.wap.pay first and jump to Alipay checkout.',
+        alipayGuideWapFallback: 'If mobile payment is unavailable or fails, the frontend switches to QR payment and shows a notice.',
+        wxpayGuideSummary: 'Desktop prefers Native QR; mobile routes to JSAPI or H5 based on browser context.',
+        wxpayGuideNote: 'The current form defaults to one shared App ID, which fits the common single-subject web, mobile, and Official Account setup.',
+        wxpayGuideNativeTitle: 'Native / QR Payment',
+        wxpayGuideNativeOpen: 'Enable Native or QR payment capability.',
+        wxpayGuideNativeCall: 'Desktop orders use Native by default and the frontend renders the QR payload.',
+        wxpayGuideNativeFallback: 'Mobile flows also fall back here when JSAPI or H5 cannot be used.',
+        wxpayGuideJsapiTitle: 'JSAPI / Official Account',
+        wxpayGuideJsapiOpen: 'Enable Official Account payment and ensure the browser is inside WeChat with an available OpenID.',
+        wxpayGuideJsapiCall: 'Inside WeChat, the app calls JSAPI after authorization and launches WeChat Pay directly.',
+        wxpayGuideJsapiFallback: 'If configuration is missing, the bridge is unavailable, or launch fails, the flow falls back to QR payment.',
+        wxpayGuideH5Title: 'H5 Payment',
+        wxpayGuideH5Open: 'Enable H5 payment.',
+        wxpayGuideH5Call: 'On mobile browsers outside WeChat, the app calls H5 payment when a client IP is available.',
+        wxpayGuideH5Fallback: 'If H5 is unavailable or order creation fails, the flow falls back to QR payment.',
         noProviders: 'No provider instances configured',
         supportedTypes: 'Supported Payment Types',
         supportedTypesHint: 'Comma-separated, e.g. alipay,wxpay',
@@ -5627,6 +5660,7 @@ export default {
       wechatOpenInWeChatHint: 'Open the current page inside WeChat, or switch to desktop WeChat QR payment.',
       wechatScanOnDesktopHint: 'On desktop, use WeChat Scan to pay; on mobile, reopen the current page inside WeChat.',
       wechatSwitchBrowserHint: 'Switch to desktop WeChat QR payment, or reopen this page in an external browser and retry.',
+      mobilePaymentFallbackToQr: 'This merchant has not enabled mobile payment. The flow has been switched to QR payment automatically.',
       alipayDesktopUnavailable: 'The desktop Alipay flow could not generate a QR code.',
       alipayDesktopQrHint: 'Desktop Alipay should render a QR code. Refresh and retry, or make sure the payment page was not blocked.',
       alipayMobileUnavailable: 'This page could not hand off to Alipay.',
diff --git a/frontend/src/i18n/locales/zh.ts b/frontend/src/i18n/locales/zh.ts
index e7cda148..beb6841f 100644
--- a/frontend/src/i18n/locales/zh.ts
+++ b/frontend/src/i18n/locales/zh.ts
@@ -4905,6 +4905,8 @@ export default {
         field_certSerial: '证书序列号',
         field_h5AppName: 'H5 应用名称',
         field_h5AppUrl: 'H5 应用地址',
+        wxpayConfigHint: '微信支付通常只需要填写 App ID。公众号 App ID、H5 应用名称、H5 应用地址仅在公众号支付或 H5 场景有特殊要求时再填写。',
+        wxpayAdvancedOptions: '微信支付高级可选项',
         field_secretKey: '密钥',
         field_publishableKey: '公开密钥',
         field_webhookSecret: 'Webhook 密钥',
@@ -4935,6 +4937,37 @@ export default {
         providerKey: '服务商类型',
         selectProviderKey: '选择服务商类型',
         providerConfig: '凭证配置',
+        paymentGuideTrigger: '查看支付方式说明',
+        guideOpenLabel: '开通：',
+        guideCallLabel: '调用：',
+        guideFallbackLabel: '降级：',
+        alipayGuideSummary: '桌面优先扫码单，失败再走收银台；移动优先手机网站支付。',
+        alipayGuideFaceToFaceTitle: '当面付 / 扫码支付',
+        alipayGuideFaceToFaceOpen: '需开通当面付或扫码支付能力。',
+        alipayGuideFaceToFaceCall: '桌面端下单时优先调用 alipay.trade.precreate，前台直接渲染二维码。',
+        alipayGuideFaceToFaceFallback: '接口不可用或返回失败时，自动降级到电脑网站支付。',
+        alipayGuidePagePayTitle: '电脑网站支付',
+        alipayGuidePagePayOpen: '需开通电脑网站支付。',
+        alipayGuidePagePayCall: '桌面端当面付不可用时调用 alipay.trade.page.pay，并继续把返回链接渲染成二维码。',
+        alipayGuidePagePayFallback: '同时保留打开收银台入口，用户可手动重新拉起支付页。',
+        alipayGuideWapTitle: '手机网站支付',
+        alipayGuideWapOpen: '需开通手机网站支付。',
+        alipayGuideWapCall: '移动端优先调用 alipay.trade.wap.pay，跳转支付宝收银台。',
+        alipayGuideWapFallback: '未开通或返回异常时，前端自动改走扫码支付并提示未开通移动支付。',
+        wxpayGuideSummary: '桌面优先 Native 扫码，移动端按浏览器环境走 JSAPI 或 H5。',
+        wxpayGuideNote: '当前表单默认共用一个 App ID，适合同主体下统一配置网页、移动和公众号场景。',
+        wxpayGuideNativeTitle: 'Native / 扫码支付',
+        wxpayGuideNativeOpen: '需开通 Native 或扫码支付能力。',
+        wxpayGuideNativeCall: '桌面端默认调用 Native，下发二维码内容给前台渲染。',
+        wxpayGuideNativeFallback: '移动端无法走 JSAPI 或 H5 时，也会自动回退到这里。',
+        wxpayGuideJsapiTitle: 'JSAPI / 公众号支付',
+        wxpayGuideJsapiOpen: '需开通公众号支付，并保证当前浏览器在微信内且能拿到 OpenID。',
+        wxpayGuideJsapiCall: '微信内浏览器完成授权后调用 JSAPI，直接拉起微信支付。',
+        wxpayGuideJsapiFallback: '未配置、Bridge 不可用或拉起失败时，自动改走扫码支付。',
+        wxpayGuideH5Title: 'H5 支付',
+        wxpayGuideH5Open: '需开通 H5 支付。',
+        wxpayGuideH5Call: '移动端非微信浏览器且有客户端 IP 时调用 H5 支付，跳转微信收银台。',
+        wxpayGuideH5Fallback: '未开通 H5 或下单失败时，自动改走扫码支付。',
         noProviders: '暂无服务商实例',
         supportedTypes: '支持的支付方式',
         supportedTypesHint: '逗号分隔，如 alipay,wxpay',
@@ -5815,6 +5848,7 @@ export default {
       wechatOpenInWeChatHint: '请复制当前页面链接到微信内打开，或直接改用电脑端微信扫码支付。',
       wechatScanOnDesktopHint: '电脑端请直接使用微信扫一扫完成支付；移动端请在微信内打开当前页面。',
       wechatSwitchBrowserHint: '请改用电脑端微信扫码，或在外部浏览器重新打开本页后再试。',
+      mobilePaymentFallbackToQr: '当前商户未开通移动支付，已自动切换为扫码支付。',
       alipayDesktopUnavailable: '当前支付宝桌面支付未成功生成二维码。',
       alipayDesktopQrHint: '电脑端支付宝应展示扫码单，请刷新后重试，或确认浏览器未拦截当前支付页。',
       alipayMobileUnavailable: '当前页面未成功跳转到支付宝。',
diff --git a/frontend/src/views/admin/SettingsView.vue b/frontend/src/views/admin/SettingsView.vue
index 1144dfb4..f3dd653d 100644
--- a/frontend/src/views/admin/SettingsView.vue
+++ b/frontend/src/views/admin/SettingsView.vue
@@ -4166,6 +4166,8 @@
                     }}</label>
                     <ImageUpload
                       v-model="form.payment_help_image_url"
+                      :upload-label="t('admin.settings.site.uploadImage')"
+                      :remove-label="t('admin.settings.site.remove')"
                       :placeholder="
                         t('admin.settings.payment.helpImagePlaceholder')
                       "
diff --git a/frontend/src/views/admin/__tests__/SettingsView.spec.ts b/frontend/src/views/admin/__tests__/SettingsView.spec.ts
index ba3e595b..239c474e 100644
--- a/frontend/src/views/admin/__tests__/SettingsView.spec.ts
+++ b/frontend/src/views/admin/__tests__/SettingsView.spec.ts
@@ -155,6 +155,8 @@ vi.mock("vue-i18n", async () => {
     "admin.settings.payment.findProvider": "查看支持的支付方式",
     "admin.settings.openaiExperimentalScheduler.title": "OpenAI 实验调度策略",
     "admin.settings.openaiExperimentalScheduler.description": "默认关闭。开启后仅影响本网关在 OpenAI 账号间的实验性调度选择逻辑，不代表上游 OpenAI 官方能力。",
+    "admin.settings.site.uploadImage": "上传图片",
+    "admin.settings.site.remove": "移除",
   };
   return {
     ...actual,
@@ -240,6 +242,37 @@ const SelectStub = defineComponent({
   },
 });
 
+const ImageUploadStub = defineComponent({
+  props: {
+    modelValue: {
+      type: String,
+      default: "",
+    },
+    uploadLabel: {
+      type: String,
+      default: "",
+    },
+    removeLabel: {
+      type: String,
+      default: "",
+    },
+    placeholder: {
+      type: String,
+      default: "",
+    },
+  },
+  setup(props) {
+    return () =>
+      h("div", {
+        class: "image-upload-stub",
+        "data-model-value": props.modelValue,
+        "data-upload-label": props.uploadLabel,
+        "data-remove-label": props.removeLabel,
+        "data-placeholder": props.placeholder,
+      });
+  },
+});
+
 const baseSettingsResponse = {
   registration_enabled: true,
   email_verify_enabled: false,
@@ -375,7 +408,7 @@ function mountView() {
         GroupBadge: true,
         GroupOptionItem: true,
         ProxySelector: true,
-        ImageUpload: true,
+        ImageUpload: ImageUploadStub,
         BackupSettings: true,
       },
     },
@@ -582,7 +615,7 @@ describe("admin SettingsView payment visible method controls", () => {
           GroupBadge: true,
           GroupOptionItem: true,
           ProxySelector: true,
-          ImageUpload: true,
+          ImageUpload: ImageUploadStub,
           BackupSettings: true,
         },
       },
@@ -608,6 +641,24 @@ describe("admin SettingsView payment visible method controls", () => {
     );
     expect(wrapper.text()).not.toContain("OpenAI 高级调度器");
   });
+
+  it("passes translated upload and remove labels to the payment help image uploader", async () => {
+    const wrapper = mountView();
+
+    await flushPromises();
+    await openPaymentTab(wrapper);
+
+    const imageUploads = wrapper.findAll(".image-upload-stub");
+    expect(imageUploads.length).toBeGreaterThan(0);
+
+    const paymentHelpImageUpload = imageUploads.find(
+      (node) => node.attributes("data-placeholder") === "admin.settings.payment.helpImagePlaceholder",
+    );
+
+    expect(paymentHelpImageUpload).toBeDefined();
+    expect(paymentHelpImageUpload?.attributes("data-upload-label")).toBe("上传图片");
+    expect(paymentHelpImageUpload?.attributes("data-remove-label")).toBe("移除");
+  });
 });
 
 describe("admin SettingsView wechat connect controls", () => {
diff --git a/frontend/src/views/user/PaymentView.vue b/frontend/src/views/user/PaymentView.vue
index 1040d3f6..7cb4343d 100644
--- a/frontend/src/views/user/PaymentView.vue
+++ b/frontend/src/views/user/PaymentView.vue
@@ -311,6 +311,7 @@ interface CreateOrderOptions {
   wechatResumeToken?: string
   paymentType?: string
   isResume?: boolean
+  mobileQrFallbackAttempted?: boolean
 }
 
 interface WeixinJSBridgeLike {
@@ -666,14 +667,15 @@ async function createOrder(orderAmount: number, orderType: OrderType, planId?: n
   submitting.value = true
   errorMessage.value = ''
   errorHintMessage.value = ''
+  const requestType = normalizeVisibleMethod(options.paymentType || selectedMethod.value) || options.paymentType || selectedMethod.value
   try {
-    const requestType = normalizeVisibleMethod(options.paymentType || selectedMethod.value) || options.paymentType || selectedMethod.value
     const payload = buildCreateOrderPayload({
       amount: orderAmount,
       paymentType: requestType,
       orderType,
       planId,
       origin: typeof window !== 'undefined' ? window.location.origin : '',
+      isMobile: isMobileDevice(),
       isWechatBrowser: typeof window !== 'undefined' && /MicroMessenger/i.test(window.navigator.userAgent),
     })
     if (options.openid) {
@@ -747,8 +749,20 @@ async function createOrder(orderAmount: number, orderType: OrderType, planId?: n
           appStore.showInfo(t('payment.qr.cancelled'))
           resetPayment()
         } else if (errMsg && !errMsg.includes('ok')) {
-          applyScenarioError({ reason: 'WECHAT_JSAPI_FAILED', message: errMsg }, visibleMethod)
           resetPayment()
+          const fallbackApplied = await attemptMobileQrFallback(
+            { reason: 'WECHAT_JSAPI_FAILED', message: errMsg },
+            {
+              orderAmount,
+              orderType,
+              planId,
+              paymentType: visibleMethod,
+              attempted: options.mobileQrFallbackAttempted === true,
+            },
+          )
+          if (!fallbackApplied) {
+            applyScenarioError({ reason: 'WECHAT_JSAPI_FAILED', message: errMsg }, visibleMethod)
+          }
         } else {
           const resultState = { ...decision.paymentState }
           resetPayment()
@@ -756,7 +770,16 @@ async function createOrder(orderAmount: number, orderType: OrderType, planId?: n
         }
       } catch (err: unknown) {
         resetPayment()
-        throw err
+        const fallbackApplied = await attemptMobileQrFallback(err, {
+          orderAmount,
+          orderType,
+          planId,
+          paymentType: visibleMethod,
+          attempted: options.mobileQrFallbackAttempted === true,
+        })
+        if (!fallbackApplied) {
+          throw err
+        }
       }
       return
     }
@@ -776,6 +799,14 @@ async function createOrder(orderAmount: number, orderType: OrderType, planId?: n
     } else if (apiErr.reason === 'CANCEL_RATE_LIMITED') {
       errorMessage.value = t('payment.errors.cancelRateLimited')
       errorHintMessage.value = ''
+    } else if (await attemptMobileQrFallback(err, {
+      orderAmount,
+      orderType,
+      planId,
+      paymentType: requestType,
+      attempted: options.mobileQrFallbackAttempted === true,
+    })) {
+      return
     } else {
       const handled = applyScenarioError(
         err,
@@ -795,6 +826,101 @@ async function createOrder(orderAmount: number, orderType: OrderType, planId?: n
   }
 }
 
+interface MobileQrFallbackContext {
+  orderAmount: number
+  orderType: OrderType
+  planId?: number
+  paymentType: string
+  attempted: boolean
+}
+
+function shouldFallbackToDesktopQr(err: unknown, paymentMethod: string, attempted: boolean): boolean {
+  if (attempted || !isMobileDevice()) {
+    return false
+  }
+
+  const normalizedMethod = normalizeVisibleMethod(paymentMethod) || paymentMethod
+  const reason = typeof err === 'object' && err && 'reason' in err && typeof err.reason === 'string'
+    ? err.reason
+    : ''
+  const message = err instanceof Error
+    ? err.message
+    : (typeof err === 'object' && err && 'message' in err && typeof err.message === 'string'
+      ? err.message
+      : '')
+  const normalizedMessage = message.toLowerCase()
+
+  if (normalizedMethod === 'wxpay') {
+    return reason === 'WECHAT_H5_NOT_AUTHORIZED'
+      || reason === 'WECHAT_PAYMENT_MP_NOT_CONFIGURED'
+      || reason === 'WECHAT_JSAPI_FAILED'
+      || reason === 'PAYMENT_GATEWAY_ERROR'
+      || reason === 'UNHANDLED_PAYMENT_SCENARIO'
+      || normalizedMessage.includes('weixinjsbridge is unavailable')
+      || normalizedMessage.includes('wechat_jsapi_unavailable')
+  }
+
+  if (normalizedMethod === 'alipay') {
+    return reason === 'PAYMENT_GATEWAY_ERROR' || reason === 'UNHANDLED_PAYMENT_SCENARIO'
+  }
+
+  return false
+}
+
+async function attemptMobileQrFallback(err: unknown, context: MobileQrFallbackContext): Promise<boolean> {
+  if (!shouldFallbackToDesktopQr(err, context.paymentType, context.attempted)) {
+    return false
+  }
+
+  try {
+    const visibleMethod = normalizeVisibleMethod(context.paymentType) || context.paymentType
+    const payload = buildCreateOrderPayload({
+      amount: context.orderAmount,
+      paymentType: visibleMethod,
+      orderType: context.orderType,
+      planId: context.planId,
+      origin: typeof window !== 'undefined' ? window.location.origin : '',
+      isMobile: false,
+      isWechatBrowser: false,
+    })
+    const result = await paymentStore.createOrder(payload) as CreateOrderResult & { resume_token?: string }
+    const stripeMethod = visibleMethod === 'wxpay' ? 'wechat_pay' : 'alipay'
+    const stripeRouteUrl = result.client_secret
+      ? router.resolve({
+        path: '/payment/stripe',
+        query: {
+          order_id: String(result.order_id),
+          client_secret: result.client_secret,
+          method: stripeMethod,
+          resume_token: result.resume_token || undefined,
+        },
+      }).href
+      : ''
+    const decision = decidePaymentLaunch(result, {
+      visibleMethod,
+      orderType: context.orderType,
+      isMobile: false,
+      isWechatBrowser: false,
+      stripePopupUrl: stripeRouteUrl,
+      stripeRouteUrl,
+    })
+
+    if (decision.kind !== 'qr_waiting' || !decision.paymentState.qrCode) {
+      return false
+    }
+
+    errorMessage.value = ''
+    errorHintMessage.value = ''
+    paymentState.value = decision.paymentState
+    paymentPhase.value = 'paying'
+    persistRecoverySnapshot(decision.recovery)
+    appStore.showWarning(t('payment.errors.mobilePaymentFallbackToQr'))
+    return true
+  } catch {
+    return false
+  }
+}
+
 function applyScenarioError(err: unknown, paymentMethod: string): boolean {
   const descriptor = describePaymentScenarioError(err, {
     paymentMethod,
diff --git a/frontend/src/views/user/__tests__/PaymentView.spec.ts b/frontend/src/views/user/__tests__/PaymentView.spec.ts
index d2683161..b4cd2cdd 100644
--- a/frontend/src/views/user/__tests__/PaymentView.spec.ts
+++ b/frontend/src/views/user/__tests__/PaymentView.spec.ts
@@ -16,6 +16,7 @@ const refreshUser = vi.hoisted(() => vi.fn())
 const fetchActiveSubscriptions = vi.hoisted(() => vi.fn().mockResolvedValue(undefined))
 const showError = vi.hoisted(() => vi.fn())
 const showInfo = vi.hoisted(() => vi.fn())
+const showWarning = vi.hoisted(() => vi.fn())
 const getCheckoutInfo = vi.hoisted(() => vi.fn())
 const bridgeInvoke = vi.hoisted(() => vi.fn())
 
@@ -69,6 +70,7 @@ vi.mock('@/stores', () => ({
   useAppStore: () => ({
     showError,
     showInfo,
+    showWarning,
   }),
 }))
 
@@ -193,6 +195,7 @@ describe('PaymentView WeChat JSAPI flow', () => {
     fetchActiveSubscriptions.mockReset().mockResolvedValue(undefined)
     showError.mockReset()
     showInfo.mockReset()
+    showWarning.mockReset()
     getCheckoutInfo.mockReset().mockResolvedValue(checkoutInfoFixture())
     bridgeInvoke.mockReset()
     window.localStorage.clear()
@@ -364,13 +367,24 @@ describe('PaymentView WeChat JSAPI flow', () => {
     })
   })
 
-  it('shows explicit H5 authorization guidance instead of failing silently', async () => {
+  it('falls back to QR flow when mobile WeChat payment is unavailable', async () => {
     routeState.query = {
       wechat_resume: '1',
       wechat_resume_token: 'resume-token-h5',
       payment_type: 'wxpay_direct',
     }
-    createOrder.mockRejectedValueOnce({ reason: 'WECHAT_H5_NOT_AUTHORIZED' })
+    createOrder
+      .mockRejectedValueOnce({ reason: 'WECHAT_H5_NOT_AUTHORIZED' })
+      .mockResolvedValueOnce({
+        order_id: 778,
+        amount: 88,
+        pay_amount: 88,
+        fee_rate: 0,
+        expires_at: '2099-01-01T00:10:00.000Z',
+        payment_type: 'wxpay',
+        qr_code: 'weixin://wxpay/bizpayurl?pr=fallback-native',
+        out_trade_no: 'sub2_qr_778',
+      })
 
     shallowMount(PaymentView, {
       global: {
@@ -383,8 +397,18 @@ describe('PaymentView WeChat JSAPI flow', () => {
     await flushPromises()
     await flushPromises()
 
-    expect(showError).toHaveBeenCalledWith(
-      'payment.errors.wechatH5NotAuthorized payment.errors.wechatOpenInWeChatHint',
-    )
+    expect(createOrder).toHaveBeenNthCalledWith(1, expect.objectContaining({
+      payment_type: 'wxpay',
+      is_mobile: true,
+      wechat_resume_token: 'resume-token-h5',
+    }))
+    expect(createOrder).toHaveBeenNthCalledWith(2, expect.objectContaining({
+      payment_type: 'wxpay',
+      is_mobile: false,
+      payment_source: 'hosted_redirect',
+    }))
+    expect(showWarning).toHaveBeenCalledWith('payment.errors.mobilePaymentFallbackToQr')
+    expect(showError).not.toHaveBeenCalled()
+    expect(window.localStorage.getItem(PAYMENT_RECOVERY_STORAGE_KEY)).toContain('weixin://wxpay/bizpayurl?pr=fallback-native')
   })
 })