diff --git a/assets/admin/src/pages/payment/PaymentGateway.vue b/assets/admin/src/pages/payment/PaymentGateway.vue
index dbfafefa..0892e605 100644
--- a/assets/admin/src/pages/payment/PaymentGateway.vue
+++ b/assets/admin/src/pages/payment/PaymentGateway.vue
@@ -2,10 +2,11 @@
   <PaymentSectionPage
     section="gateway"
     title="收款接口"
-    desc="管理支付网关、查看连接状态、配置回调口令。"
-    note="当前支持人工确认与测试联调；回调校验口令在接入真实网关时直接复用。"
+    desc="管理余额、支付宝、微信、PayPal、Stripe、易支付与卡密兑换通道。"
+    note="以渠道开关与凭据是否齐全为准；异步回调由各网关验签。卡密为兑换入口，不进入收银台。"
     :links="[
       { label: '余额充值', path: '/payment/recharge' },
+      { label: '充值卡', path: '/payment/card-pass' },
       { label: '付费内容', path: '/payment/paid' },
     ]"
   >
@@ -16,7 +17,7 @@
             <n-grid-item v-for="gw in gateways" :key="gw.id">
               <div class="aksrt-gateway__card">
                 <div class="aksrt-gateway__icon" :class="gw.configured ? 'aksrt-gateway__icon--active' : ''">
-                  <i :class="gw.id === 'balance' ? 'fas fa-wallet' : 'fas fa-credit-card'"></i>
+                  <i :class="iconFor(gw.id)"></i>
                 </div>
                 <div>
                   <strong>{{ gw.name }}</strong>
@@ -31,39 +32,8 @@
           <n-empty v-if="!loading && gateways.length === 0" description="暂无已注册的支付网关" />
         </n-card>
 
-        <n-card class="aksrt-section-card" title="运行摘要">
-          <n-grid :cols="4" :x-gap="12" :y-gap="12">
-            <n-grid-item>
-              <div class="aksrt-gateway__stat">
-                <strong>{{ modeLabel }}</strong>
-                <p>当前模式</p>
-              </div>
-            </n-grid-item>
-            <n-grid-item>
-              <div class="aksrt-gateway__stat">
-                <strong :class="overview.gateway?.test_enabled ? 'aksrt-text-warning' : ''">
-                  {{ overview.gateway?.test_enabled ? '启用' : '关闭' }}
-                </strong>
-                <p>测试网关</p>
-              </div>
-            </n-grid-item>
-            <n-grid-item>
-              <div class="aksrt-gateway__stat">
-                <strong :class="overview.gateway?.manual_review ? 'aksrt-text-info' : ''">
-                  {{ overview.gateway?.manual_review ? '启用' : '关闭' }}
-                </strong>
-                <p>人工复核</p>
-              </div>
-            </n-grid-item>
-            <n-grid-item>
-              <div class="aksrt-gateway__stat">
-                <n-tag :type="overview.gateway?.callback_secret ? 'success' : 'warning'" size="small" round>
-                  {{ overview.gateway?.callback_secret ? '已设置' : '未设置' }}
-                </n-tag>
-                <p>回调口令</p>
-              </div>
-            </n-grid-item>
-          </n-grid>
+        <n-card v-if="overview.help_text" class="aksrt-section-card" title="运行说明">
+          <p class="aksrt-gateway__help">{{ overview.help_text }}</p>
         </n-card>
       </n-spin>
     </template>
@@ -71,7 +41,7 @@
 </template>
 
 <script setup>
-import { ref, computed, onMounted } from 'vue'
+import { ref, onMounted } from 'vue'
 import { useMessage } from 'naive-ui'
 import PaymentSectionPage from '@/pages/payment/PaymentSectionPage.vue'
 import api from '@/api'
@@ -81,12 +51,14 @@ const gateways = ref([])
 const overview = ref({})
 const loading = ref(false)
 
-const modeLabel = computed(() => {
-  const mode = overview.value.gateway?.mode
-  if (mode === 'test_gateway') return '测试网关'
-  if (mode === 'adapter_ready') return '适配器就绪'
-  return '人工确认'
-})
+function iconFor(id) {
+  if (id === 'balance') return 'fas fa-wallet'
+  if (id === 'alipay' || id === 'epay_alipay') return 'fab fa-alipay'
+  if (id === 'wechatpay' || id === 'epay_wxpay') return 'fab fa-weixin'
+  if (id === 'paypal') return 'fab fa-paypal'
+  if (id === 'stripe') return 'fab fa-stripe-s'
+  return 'fas fa-credit-card'
+}
 
 onMounted(async () => {
   loading.value = true
@@ -98,7 +70,9 @@ onMounted(async () => {
     if (gwRes?.data?.gateways) {
       gateways.value = gwRes.data.gateways
     }
-    if (ovRes?.data) {
+    if (ovRes?.data?.gateway) {
+      overview.value = ovRes.data.gateway
+    } else if (ovRes?.data) {
       overview.value = ovRes.data
     }
   } catch {
@@ -149,31 +123,10 @@ onMounted(async () => {
   color: var(--color-ink-4, #8a909c);
 }
 
-.aksrt-gateway__stat {
-  text-align: center;
-  padding: 16px;
-  border-radius: 8px;
-  background: var(--surface-2, #fafafa);
-}
-
-.aksrt-gateway__stat strong {
-  display: block;
-  font-size: 18px;
-  font-weight: 600;
-  color: var(--color-ink, #1a1a2e);
-}
-
-.aksrt-gateway__stat p {
-  margin: 4px 0 0;
-  font-size: 12px;
-  color: var(--color-ink-4, #8a909c);
-}
-
-.aksrt-text-warning {
-  color: var(--color-warning, #f59e0b);
-}
-
-.aksrt-text-info {
-  color: var(--color-info, #3b82f6);
+.aksrt-gateway__help {
+  margin: 0;
+  font-size: 13px;
+  color: var(--color-ink-3, #5c6370);
+  line-height: 1.6;
 }
 </style>
diff --git a/assets/admin/src/schema/sections/payment/gateway.js b/assets/admin/src/schema/sections/payment/gateway.js
index f6c79009..809dadbc 100644
--- a/assets/admin/src/schema/sections/payment/gateway.js
+++ b/assets/admin/src/schema/sections/payment/gateway.js
@@ -2,25 +2,15 @@ export const gatewaySchema = {
   key: 'payment.gateway',
   title: '收款接口',
   icon: 'fas fa-credit-card',
-  description: '配置支付网关凭据、回调校验口令与运行模式。开启渠道后展开填写配置，可随时收起。',
+  description: '管理已支持的收款通道：余额、支付宝、微信、PayPal、Stripe、易支付与卡密兑换。开启渠道后展开填写凭据。',
   defaults: {
-    payment_gateway_mode: 'manual_review',
-    payment_gateway_test_enabled: true,
-    payment_gateway_manual_review: true,
-    payment_gateway_callback_secret: '',
-    payment_gateway_help: '未接真实支付网关时，建议使用测试网关或人工确认模式完成联调。',
     payment_wechat_enabled: false,
     payment_alipay_enabled: false,
     payment_paypal_enabled: false,
+    payment_stripe_enabled: false,
+    payment_epay_enabled: false,
     payment_balance_enabled: true,
     payment_card_pass_enabled: false,
-    payment_xunhupay_enabled: false,
-    payment_xhpay_enabled: false,
-    payment_payjs_enabled: false,
-    payment_epay_enabled: false,
-    payment_vmq_enabled: false,
-    payment_codepay_enabled: false,
-    payment_stripe_enabled: false,
     wechat_merchantid: '',
     wechat_appid: '',
     wechat_payment_type: 'native',
@@ -37,53 +27,46 @@ export const gatewaySchema = {
     paypal_client_secret: '',
     paypal_currency: 'USD',
     paypal_sandbox: true,
-    xunhupay_appid: '',
-    xunhupay_appsecret: '',
-    xhpay_mchid: '',
-    xhpay_alipay_v2: '',
-    xhpay_wx_h5: '',
-    payjs_mchid: '',
-    payjs_key: '',
-    epay_apiurl: '',
-    epay_pid: '',
-    epay_key: '',
     stripe_secret_key: '',
     stripe_publishable_key: '',
     stripe_webhook_secret: '',
     stripe_currency: 'usd',
     stripe_test_mode: true,
+    epay_apiurl: '',
+    epay_pid: '',
+    epay_key: '',
+    epay_channel_alipay: true,
+    epay_channel_wxpay: true,
+    epay_device: 'auto',
   },
   groups: [
     {
-      key: 'adapter',
-      title: '网关适配器',
-      icon: 'fas fa-plug',
+      key: 'notice',
+      title: '说明',
+      icon: 'fas fa-info-circle',
       fields: [
-        { key: 'payment_gateway_mode', label: '运行模式', type: 'radio', default: 'manual_review', options: [{ label: '人工确认', value: 'manual_review' }, { label: '测试网关', value: 'test_gateway' }, { label: '适配器就绪', value: 'adapter_ready' }] },
-        { key: 'payment_gateway_test_enabled', label: '启用测试网关', type: 'switch', default: true },
-        { key: 'payment_gateway_manual_review', label: '保留人工复核', type: 'switch', default: true },
-        { key: 'payment_gateway_callback_secret', label: '回调校验口令', type: 'input', default: '', help: '真实网关接入时可直接复用该口令字段。' },
-        { key: 'payment_gateway_help', label: '运维说明', type: 'textarea', default: '未接真实支付网关时，建议使用测试网关或人工确认模式完成联调。' },
+        {
+          key: 'payment_gateway_notice',
+          label: '通道说明',
+          type: 'notice',
+          alertType: 'info',
+          alertContent: '以渠道开关 + 凭据是否齐全为准。异步回调由各网关验签（支付宝/微信/Stripe/易支付等），无需额外口令。卡密为兑换入口，不出现在收银台支付方式列表。',
+        },
       ],
     },
     {
       key: 'gateways',
       title: '支付渠道开关',
       icon: 'fas fa-toggle-on',
-      description: '先开启渠道，下方对应配置卡片会展开；填写凭据后网关状态变为可用。无凭据的内置渠道（余额/卡密）仅开关即可。',
+      description: '先开启渠道，下方对应配置卡片会展开；填写凭据后网关状态变为可用。余额与卡密无第三方凭据，仅开关即可。',
       fields: [
-        { key: 'payment_wechat_enabled', label: '微信支付', type: 'switch', default: false },
+        { key: 'payment_balance_enabled', label: '余额支付', type: 'switch', default: true, help: '需同时在「余额充值」启用余额功能。关闭后用户中心仍可有钱包，但结账不可用余额支付。' },
         { key: 'payment_alipay_enabled', label: '支付宝', type: 'switch', default: false },
+        { key: 'payment_wechat_enabled', label: '微信支付', type: 'switch', default: false },
         { key: 'payment_paypal_enabled', label: 'PayPal', type: 'switch', default: false },
         { key: 'payment_stripe_enabled', label: 'Stripe', type: 'switch', default: false },
-        { key: 'payment_xunhupay_enabled', label: '虎皮椒', type: 'switch', default: false },
-        { key: 'payment_xhpay_enabled', label: '小火付', type: 'switch', default: false },
-        { key: 'payment_payjs_enabled', label: 'PayJS', type: 'switch', default: false },
-        { key: 'payment_epay_enabled', label: '易支付', type: 'switch', default: false },
-        { key: 'payment_vmq_enabled', label: 'V免签', type: 'switch', default: false, help: '当前仅开关占位，凭据接入后补齐。' },
-        { key: 'payment_codepay_enabled', label: 'Codepay', type: 'switch', default: false, help: '当前仅开关占位，凭据接入后补齐。' },
-        { key: 'payment_balance_enabled', label: '余额支付', type: 'switch', default: true, help: '需同时在「余额充值」启用余额功能。关闭后用户中心仍可有钱包，但结账不可用余额支付。' },
-        { key: 'payment_card_pass_enabled', label: '卡密充值', type: 'switch', default: false, help: '卡密规则在「卡密设置」；此处仅控制是否作为收款渠道展示。' },
+        { key: 'payment_epay_enabled', label: '易支付', type: 'switch', default: false, help: '兼容彩虹易支付协议的聚合收银台，可同时开启支付宝/微信子通道。' },
+        { key: 'payment_card_pass_enabled', label: '卡密充值', type: 'switch', default: false, help: '仅控制卡密兑换入口是否开放；卡密规则与批量发卡在「充值卡」页。不进入结账支付方式列表。' },
       ],
     },
     {
@@ -110,7 +93,7 @@ export const gatewaySchema = {
       key: 'alipay',
       title: '支付宝配置',
       icon: 'fab fa-alipay',
-      description: '开启「支付宝」后填写应用与回调地址。',
+      description: '开启「支付宝」后填写应用与证书。',
       collapsible: true,
       expandWhen: 'payment_alipay_enabled',
       dependsOn: { key: 'payment_alipay_enabled', value: true },
@@ -158,58 +141,26 @@ export const gatewaySchema = {
         { key: 'stripe_test_mode', label: '测试模式', type: 'switch', default: true },
       ],
     },
-    {
-      key: 'xunhupay',
-      title: '虎皮椒配置',
-      icon: 'fas fa-pepper-hot',
-      description: '开启「虎皮椒」后填写 App 凭据。',
-      collapsible: true,
-      expandWhen: 'payment_xunhupay_enabled',
-      dependsOn: { key: 'payment_xunhupay_enabled', value: true },
-      fields: [
-        { key: 'xunhupay_appid', label: 'AppID', type: 'input', default: '' },
-        { key: 'xunhupay_appsecret', label: 'AppSecret', type: 'input', default: '' },
-      ],
-    },
-    {
-      key: 'xhpay',
-      title: '小火付配置',
-      icon: 'fas fa-fire',
-      description: '开启「小火付」后填写商户与通道参数。',
-      collapsible: true,
-      expandWhen: 'payment_xhpay_enabled',
-      dependsOn: { key: 'payment_xhpay_enabled', value: true },
-      fields: [
-        { key: 'xhpay_mchid', label: '商户号', type: 'input', default: '' },
-        { key: 'xhpay_alipay_v2', label: '支付宝V2', type: 'input', default: '' },
-        { key: 'xhpay_wx_h5', label: '微信H5', type: 'input', default: '' },
-      ],
-    },
-    {
-      key: 'payjs',
-      title: 'PayJS 配置',
-      icon: 'fab fa-js',
-      description: '开启「PayJS」后填写商户号与通信密钥。',
-      collapsible: true,
-      expandWhen: 'payment_payjs_enabled',
-      dependsOn: { key: 'payment_payjs_enabled', value: true },
-      fields: [
-        { key: 'payjs_mchid', label: '商户号', type: 'input', default: '' },
-        { key: 'payjs_key', label: '通信密钥', type: 'input', default: '' },
-      ],
-    },
     {
       key: 'epay',
       title: '易支付配置',
       icon: 'fas fa-university',
-      description: '开启「易支付」后填写接口与商户信息。',
+      description: '开启「易支付」后填写接口地址与商户信息，并选择支付宝/微信子通道。',
       collapsible: true,
       expandWhen: 'payment_epay_enabled',
       dependsOn: { key: 'payment_epay_enabled', value: true },
       fields: [
-        { key: 'epay_apiurl', label: '接口地址', type: 'input', default: '' },
+        { key: 'epay_apiurl', label: '接口地址', type: 'input', default: '', help: '易支付站点根地址，如 https://pay.example.com/（末尾斜杠可选）。' },
         { key: 'epay_pid', label: '商户ID', type: 'input', default: '' },
-        { key: 'epay_key', label: '商户密钥', type: 'input', default: '' },
+        { key: 'epay_key', label: '商户密钥', type: 'input', default: '', help: 'MD5 通信密钥。' },
+        { key: 'epay_channel_alipay', label: '启用支付宝通道', type: 'switch', default: true },
+        { key: 'epay_channel_wxpay', label: '启用微信通道', type: 'switch', default: true },
+        { key: 'epay_device', label: '下单终端', type: 'select', default: 'auto', options: [
+          { label: '自动（按 UA）', value: 'auto' },
+          { label: '电脑端 submit', value: 'pc' },
+          { label: '移动端 mapi', value: 'mobile' },
+        ] },
+        { key: 'epay_notify_help', label: '回调地址说明', type: 'notice', alertType: 'info', alertContent: '异步/同步回调固定为 /wp-json/aksrt/v1/payment/epay_alipay/{notify|return} 与 /payment/epay_wxpay/{notify|return}，请在易支付后台放行对应 URL。' },
       ],
     },
   ],
diff --git a/functions.php b/functions.php
index 2d387449..9fbfdfa1 100644
--- a/functions.php
+++ b/functions.php
@@ -345,6 +345,10 @@ if (class_exists('\AKSRT\Payment\Gateway')) {
     if (class_exists('\AKSRT\Payment\Gateways\StripeGateway')) {
         $gw->register('stripe', new \AKSRT\Payment\Gateways\StripeGateway());
     }
+    if (class_exists('\AKSRT\Payment\Gateways\EpayGateway')) {
+        $gw->register('epay_alipay', new \AKSRT\Payment\Gateways\EpayGateway('alipay'));
+        $gw->register('epay_wxpay', new \AKSRT\Payment\Gateways\EpayGateway('wxpay'));
+    }
     do_action('aksrt_register_payment_gateways', $gw);
 }
 
diff --git a/inc/helpers/aksrt-pay.php b/inc/helpers/aksrt-pay.php
index 2c406535..5d0531fa 100644
--- a/inc/helpers/aksrt-pay.php
+++ b/inc/helpers/aksrt-pay.php
@@ -82,8 +82,8 @@ function aksrt_get_pay_types(): array {
 if (!function_exists('aksrt_list_cash_payment_methods')) {
     function aksrt_list_cash_payment_methods(bool $logged_in = true): array {
         $ids = $logged_in
-            ? ['balance', 'alipay', 'wechatpay', 'paypal', 'stripe']
-            : ['alipay', 'wechatpay', 'paypal', 'stripe'];
+            ? ['balance', 'alipay', 'wechatpay', 'paypal', 'stripe', 'epay_alipay', 'epay_wxpay']
+            : ['alipay', 'wechatpay', 'paypal', 'stripe', 'epay_alipay', 'epay_wxpay'];
 
         if (!class_exists('\AKSRT\Payment\Gateway')) {
             // No gateway manager → no real methods (avoid dead balance/alipay stubs).
diff --git a/src/AKSRT/Admin/Schema/SchemaPayment.php b/src/AKSRT/Admin/Schema/SchemaPayment.php
index a6de91b9..104ee446 100644
--- a/src/AKSRT/Admin/Schema/SchemaPayment.php
+++ b/src/AKSRT/Admin/Schema/SchemaPayment.php
@@ -219,29 +219,20 @@ class SchemaPayment {
                 'gateway' => [
                     'key'        => 'gateway',
                     'title'      => '收款接口',
-                    'version'    => '1.1.0',
+                    'version'    => '1.2.0',
                     'option_key' => 'aksrt_settings',
                     'groups'     => [
-                        ['key' => 'adapter', 'title' => '网关适配器', 'fields' => [
-                            ['key' => 'payment_gateway_mode', 'label' => '运行模式', 'type' => 'string', 'default' => 'manual_review'],
-                            ['key' => 'payment_gateway_test_enabled', 'label' => '启用测试网关', 'type' => 'bool', 'default' => true],
-                            ['key' => 'payment_gateway_manual_review', 'label' => '保留人工复核', 'type' => 'bool', 'default' => true],
-                            ['key' => 'payment_gateway_callback_secret', 'label' => '回调校验口令', 'type' => 'string', 'default' => ''],
-                            ['key' => 'payment_gateway_help', 'label' => '运维说明', 'type' => 'string', 'default' => '未接真实支付网关时，建议使用测试网关或人工确认模式完成联调。'],
+                        ['key' => 'notice', 'title' => '说明', 'fields' => [
+                            ['key' => 'payment_gateway_notice', 'label' => '通道说明', 'type' => 'notice', 'alertType' => 'info', 'alertContent' => '以渠道开关 + 凭据是否齐全为准。异步回调由各网关验签（支付宝/微信/Stripe/易支付等），无需额外口令。卡密为兑换入口，不出现在收银台支付方式列表。'],
                         ]],
                         ['key' => 'gateways', 'title' => '支付渠道开关', 'fields' => [
-                            ['key' => 'payment_wechat_enabled', 'label' => '微信支付', 'type' => 'switch', 'default' => false],
+                            ['key' => 'payment_balance_enabled', 'label' => '余额支付', 'type' => 'switch', 'default' => true, 'help' => '需同时在「余额充值」启用余额功能。关闭后用户中心仍可有钱包，但结账不可用余额支付。'],
                             ['key' => 'payment_alipay_enabled', 'label' => '支付宝', 'type' => 'switch', 'default' => false],
+                            ['key' => 'payment_wechat_enabled', 'label' => '微信支付', 'type' => 'switch', 'default' => false],
                             ['key' => 'payment_paypal_enabled', 'label' => 'PayPal', 'type' => 'switch', 'default' => false],
                             ['key' => 'payment_stripe_enabled', 'label' => 'Stripe', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_xunhupay_enabled', 'label' => '虎皮椒', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_xhpay_enabled', 'label' => '小火付', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_payjs_enabled', 'label' => 'PayJS', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_epay_enabled', 'label' => '易支付', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_vmq_enabled', 'label' => 'V免签', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_codepay_enabled', 'label' => 'Codepay', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_balance_enabled', 'label' => '余额支付', 'type' => 'switch', 'default' => true],
-                            ['key' => 'payment_card_pass_enabled', 'label' => '卡密充值', 'type' => 'switch', 'default' => false],
+                            ['key' => 'payment_epay_enabled', 'label' => '易支付', 'type' => 'switch', 'default' => false, 'help' => '兼容彩虹易支付协议的聚合收银台，可同时开启支付宝/微信子通道。'],
+                            ['key' => 'payment_card_pass_enabled', 'label' => '卡密充值', 'type' => 'switch', 'default' => false, 'help' => '仅控制卡密兑换入口是否开放；卡密规则与批量发卡在「充值卡」页。不进入结账支付方式列表。'],
                         ]],
                         // Channel credential groups: SPA uses collapsible + expandWhen + group dependsOn.
                         // Field-level dependsOn kept for contract audit / non-SPA consumers.
@@ -281,23 +272,18 @@ class SchemaPayment {
                             ['key' => 'stripe_currency', 'label' => '货币', 'type' => 'input', 'default' => 'usd', 'dependsOn' => ['key' => 'payment_stripe_enabled', 'value' => true]],
                             ['key' => 'stripe_test_mode', 'label' => '测试模式', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'payment_stripe_enabled', 'value' => true]],
                         ]],
-                        ['key' => 'xunhupay', 'title' => '虎皮椒配置', 'collapsible' => true, 'expandWhen' => 'payment_xunhupay_enabled', 'dependsOn' => ['key' => 'payment_xunhupay_enabled', 'value' => true], 'fields' => [
-                            ['key' => 'xunhupay_appid', 'label' => 'AppID', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_xunhupay_enabled', 'value' => true]],
-                            ['key' => 'xunhupay_appsecret', 'label' => 'AppSecret', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_xunhupay_enabled', 'value' => true]],
-                        ]],
-                        ['key' => 'xhpay', 'title' => '小火付配置', 'collapsible' => true, 'expandWhen' => 'payment_xhpay_enabled', 'dependsOn' => ['key' => 'payment_xhpay_enabled', 'value' => true], 'fields' => [
-                            ['key' => 'xhpay_mchid', 'label' => '商户号', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_xhpay_enabled', 'value' => true]],
-                            ['key' => 'xhpay_alipay_v2', 'label' => '支付宝V2', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_xhpay_enabled', 'value' => true]],
-                            ['key' => 'xhpay_wx_h5', 'label' => '微信H5', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_xhpay_enabled', 'value' => true]],
-                        ]],
-                        ['key' => 'payjs', 'title' => 'PayJS配置', 'collapsible' => true, 'expandWhen' => 'payment_payjs_enabled', 'dependsOn' => ['key' => 'payment_payjs_enabled', 'value' => true], 'fields' => [
-                            ['key' => 'payjs_mchid', 'label' => '商户号', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_payjs_enabled', 'value' => true]],
-                            ['key' => 'payjs_key', 'label' => '通信密钥', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_payjs_enabled', 'value' => true]],
-                        ]],
                         ['key' => 'epay', 'title' => '易支付配置', 'collapsible' => true, 'expandWhen' => 'payment_epay_enabled', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true], 'fields' => [
-                            ['key' => 'epay_apiurl', 'label' => '接口地址', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
+                            ['key' => 'epay_apiurl', 'label' => '接口地址', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true], 'help' => '易支付站点根地址，如 https://pay.example.com/（末尾斜杠可选）。'],
                             ['key' => 'epay_pid', 'label' => '商户ID', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
-                            ['key' => 'epay_key', 'label' => '商户密钥', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
+                            ['key' => 'epay_key', 'label' => '商户密钥', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true], 'help' => 'MD5 通信密钥。'],
+                            ['key' => 'epay_channel_alipay', 'label' => '启用支付宝通道', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
+                            ['key' => 'epay_channel_wxpay', 'label' => '启用微信通道', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
+                            ['key' => 'epay_device', 'label' => '下单终端', 'type' => 'select', 'default' => 'auto', 'options' => [
+                                ['value' => 'auto', 'label' => '自动（按 UA）'],
+                                ['value' => 'pc', 'label' => '电脑端 submit'],
+                                ['value' => 'mobile', 'label' => '移动端 mapi'],
+                            ], 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
+                            ['key' => 'epay_notify_help', 'label' => '回调地址说明', 'type' => 'notice', 'alertType' => 'info', 'alertContent' => '异步/同步回调固定为 /wp-json/aksrt/v1/payment/epay_alipay/{notify|return} 与 /payment/epay_wxpay/{notify|return}，请在易支付后台放行对应 URL。', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
                         ]],
                     ],
                 ],
diff --git a/src/AKSRT/Payment/ChargeCard.php b/src/AKSRT/Payment/ChargeCard.php
index 1f2ee0c0..5833ad13 100644
--- a/src/AKSRT/Payment/ChargeCard.php
+++ b/src/AKSRT/Payment/ChargeCard.php
@@ -111,6 +111,30 @@ class ChargeCard {
      * @return array<string,mixed>
      */
     public function get_public_options(): array {
+        $labels = [
+            'title'            => __('卡密兑换', 'aksrt'),
+            'password'         => __('卡密', 'aksrt'),
+            'card'             => __('卡号', 'aksrt'),
+            'submit_balance'   => __('兑换余额', 'aksrt'),
+            'submit_vip'       => __('兑换会员', 'aksrt'),
+            'submit_credits'   => __('兑换积分', 'aksrt'),
+            'placeholder_pw'   => __('请输入卡密', 'aksrt'),
+            'placeholder_card' => __('请输入卡号', 'aksrt'),
+        ];
+
+        // Master kill-switch on 收款接口 → 卡密充值.
+        $channel_on = !class_exists('\AKSRT\Settings\PaymentRuntime')
+            || \AKSRT\Settings\PaymentRuntime::is_gateway_enabled('card_pass');
+        if (!$channel_on) {
+            $off = ['enabled' => false, 'desc' => '', 'only_password' => true];
+            return [
+                'balance' => $off,
+                'vip'     => $off,
+                'credits' => $off,
+                'labels'  => $labels,
+            ];
+        }
+
         $balance = ['enabled' => false, 'desc' => '', 'only_password' => true];
         $vip     = ['enabled' => false, 'desc' => '', 'only_password' => true];
 
@@ -154,16 +178,7 @@ class ChargeCard {
             'balance' => $balance,
             'vip'     => $vip,
             'credits' => $credits,
-            'labels'  => [
-                'title'            => __('卡密兑换', 'aksrt'),
-                'password'         => __('卡密', 'aksrt'),
-                'card'             => __('卡号', 'aksrt'),
-                'submit_balance'   => __('兑换余额', 'aksrt'),
-                'submit_vip'       => __('兑换会员', 'aksrt'),
-                'submit_credits'   => __('兑换积分', 'aksrt'),
-                'placeholder_pw'   => __('请输入卡密', 'aksrt'),
-                'placeholder_card' => __('请输入卡号', 'aksrt'),
-            ],
+            'labels'  => $labels,
         ];
     }
 
diff --git a/src/AKSRT/Payment/Gateway.php b/src/AKSRT/Payment/Gateway.php
index a4cf5299..5ec22dd5 100644
--- a/src/AKSRT/Payment/Gateway.php
+++ b/src/AKSRT/Payment/Gateway.php
@@ -128,8 +128,11 @@ class Gateway {
         if ($gateway_id === 'wechatpay' && method_exists($gateway, 'output_callback_response')) {
             $gateway->output_callback_response(['success' => $processed]); // exit
         }
-        if ($gateway_id === 'alipay') {
-            // 支付宝异步通知要求返回纯文本 success，否则会重复通知
+        if ($gateway_id === 'alipay' || str_starts_with($gateway_id, 'epay')) {
+            // 支付宝 / 易支付异步通知要求返回纯文本 success，否则会重复通知
+            if (method_exists($gateway, 'output_callback_response')) {
+                $gateway->output_callback_response(['success' => $processed]); // exit
+            }
             header('Content-Type: text/plain; charset=utf-8');
             echo $processed ? 'success' : 'fail';
             exit;
diff --git a/src/AKSRT/Payment/Gateways/EpayGateway.php b/src/AKSRT/Payment/Gateways/EpayGateway.php
new file mode 100644
index 00000000..716a7c9e
--- /dev/null
+++ b/src/AKSRT/Payment/Gateways/EpayGateway.php
@@ -0,0 +1,312 @@
+<?php
+/**
+ * Compatible Epay (彩虹易支付) gateway — alipay / wxpay channels.
+ *
+ * @package AKSRT
+ */
+
+namespace AKSRT\Payment\Gateways;
+
+defined('ABSPATH') || exit;
+
+class EpayGateway implements \AKSRT\Payment\GatewayInterface {
+
+	/** @var string alipay|wxpay */
+	private string $channel;
+
+	public function __construct(string $channel = 'alipay') {
+		$channel = sanitize_key($channel);
+		$this->channel = in_array($channel, ['alipay', 'wxpay'], true) ? $channel : 'alipay';
+	}
+
+	public function get_id(): string {
+		return $this->channel === 'wxpay' ? 'epay_wxpay' : 'epay_alipay';
+	}
+
+	public function get_name(): string {
+		return $this->channel === 'wxpay'
+			? __('易支付·微信', 'aksrt')
+			: __('易支付·支付宝', 'aksrt');
+	}
+
+	public function is_configured(): bool {
+		if (class_exists('\AKSRT\Settings\PaymentRuntime')
+			&& !\AKSRT\Settings\PaymentRuntime::is_gateway_enabled($this->get_id())) {
+			return false;
+		}
+		$c = $this->get_config();
+		return $c['apiurl'] !== '' && $c['pid'] !== '' && $c['key'] !== '';
+	}
+
+	public function create_payment(array $order): array {
+		if (!$this->is_configured()) {
+			return ['success' => false, 'message' => __('易支付未配置', 'aksrt')];
+		}
+
+		$order_number = (string) ($order['order_number'] ?? '');
+		$amount       = (float) ($order['amount'] ?? 0);
+		$subject      = (string) ($order['subject'] ?? __('订单支付', 'aksrt'));
+		if ($order_number === '' || $amount <= 0) {
+			return ['success' => false, 'message' => __('订单参数无效', 'aksrt')];
+		}
+
+		$config = $this->get_config();
+		$params = [
+			'pid'          => $config['pid'],
+			'type'         => $this->channel,
+			'out_trade_no' => $order_number,
+			'notify_url'   => rest_url('aksrt/v1/payment/' . $this->get_id() . '/notify'),
+			'return_url'   => rest_url('aksrt/v1/payment/' . $this->get_id() . '/return'),
+			'name'         => mb_substr(wp_strip_all_tags($subject), 0, 127),
+			'money'        => number_format($amount, 2, '.', ''),
+		];
+		$params['sign'] = $this->sign($params, $config['key']);
+		$params['sign_type'] = 'MD5';
+
+		$use_mobile = $this->prefer_mobile($config['device']);
+		if ($use_mobile) {
+			// mapi.php returns JSON with payurl / qrcode / urlscheme.
+			$api = $this->endpoint($config['apiurl'], 'mapi.php');
+			$response = wp_remote_post($api, [
+				'timeout' => 30,
+				'body'    => $params,
+				'headers' => ['Content-Type' => 'application/x-www-form-urlencoded; charset=UTF-8'],
+			]);
+			if (is_wp_error($response)) {
+				return ['success' => false, 'message' => $response->get_error_message()];
+			}
+			$body = json_decode((string) wp_remote_retrieve_body($response), true);
+			if (!is_array($body)) {
+				// Fall back to browser submit if mapi is unavailable.
+				return $this->browser_submit_result($config['apiurl'], $params, $order_number);
+			}
+			$code = (int) ($body['code'] ?? 0);
+			if ($code !== 1) {
+				$msg = (string) ($body['msg'] ?? $body['message'] ?? __('易支付下单失败', 'aksrt'));
+				return ['success' => false, 'message' => $msg];
+			}
+			$pay_url = (string) ($body['payurl'] ?? $body['urlscheme'] ?? '');
+			$qrcode  = (string) ($body['qrcode'] ?? '');
+			if ($pay_url === '' && $qrcode === '') {
+				return ['success' => false, 'message' => __('易支付未返回支付链接', 'aksrt')];
+			}
+			$result = [
+				'success'      => true,
+				'payment_data' => [
+					'order_number' => $order_number,
+					'code_url'     => $qrcode,
+					'channel'      => $this->channel,
+				],
+				'message'      => __('易支付订单已创建', 'aksrt'),
+			];
+			if ($pay_url !== '') {
+				$result['payment_url'] = $pay_url;
+			} elseif ($qrcode !== '') {
+				$result['payment_url'] = $qrcode;
+			}
+			return $result;
+		}
+
+		return $this->browser_submit_result($config['apiurl'], $params, $order_number);
+	}
+
+	public function verify_callback(\WP_REST_Request $request): array {
+		if (!$this->is_configured()) {
+			return ['success' => false, 'message' => __('易支付未配置', 'aksrt')];
+		}
+
+		$params = strtoupper($request->get_method()) === 'POST'
+			? $request->get_body_params()
+			: $request->get_query_params();
+		if (!is_array($params) || $params === []) {
+			// Some panels POST raw query string.
+			$params = $request->get_params();
+		}
+		if (!is_array($params)) {
+			$params = [];
+		}
+		unset($params['gateway'], $params['rest_route']);
+
+		$config = $this->get_config();
+		$sign   = (string) ($params['sign'] ?? '');
+		if ($sign === '' || !$this->verify_sign($params, $config['key'], $sign)) {
+			return ['success' => false, 'message' => __('易支付签名校验失败', 'aksrt')];
+		}
+
+		$pid = (string) ($params['pid'] ?? '');
+		if ($pid !== '' && !hash_equals($config['pid'], $pid)) {
+			return ['success' => false, 'message' => __('易支付商户号不匹配', 'aksrt')];
+		}
+
+		$order_number   = sanitize_text_field((string) ($params['out_trade_no'] ?? ''));
+		$transaction_id = sanitize_text_field((string) ($params['trade_no'] ?? ''));
+		$amount         = (float) ($params['money'] ?? 0);
+		$trade_status   = (string) ($params['trade_status'] ?? '');
+		$type           = sanitize_key((string) ($params['type'] ?? ''));
+
+		// When type is present, require channel match.
+		if ($type !== '' && $type !== $this->channel) {
+			return ['success' => false, 'message' => __('易支付通道类型不匹配', 'aksrt')];
+		}
+
+		$paid = ($trade_status === '' || $trade_status === 'TRADE_SUCCESS');
+		if ($order_number === '' || ($paid && ($transaction_id === '' || $amount <= 0))) {
+			return ['success' => false, 'message' => __('易支付回调数据无效', 'aksrt')];
+		}
+
+		return [
+			'success'        => true,
+			'order_number'   => $order_number,
+			'amount'         => $amount,
+			'transaction_id' => $transaction_id,
+			'status'         => $paid ? 'paid' : 'pending',
+		];
+	}
+
+	/**
+	 * Epay expects plain-text success/fail (handled also by Gateway for epay_* ids).
+	 */
+	public function output_callback_response(array $result): void {
+		header('Content-Type: text/plain; charset=utf-8');
+		echo !empty($result['success']) ? 'success' : 'fail';
+		exit;
+	}
+
+	public function query_status(string $order_number): array {
+		if (!$this->is_configured() || $order_number === '') {
+			return ['success' => false, 'message' => __('易支付未配置', 'aksrt')];
+		}
+
+		$config = $this->get_config();
+		// Common compatible query: api.php?act=order&pid&key&out_trade_no
+		$url = add_query_arg([
+			'act'          => 'order',
+			'pid'          => $config['pid'],
+			'key'          => $config['key'],
+			'out_trade_no' => $order_number,
+		], $this->endpoint($config['apiurl'], 'api.php'));
+
+		$response = wp_remote_get($url, ['timeout' => 20]);
+		if (is_wp_error($response)) {
+			return ['success' => false, 'message' => $response->get_error_message()];
+		}
+		$body = json_decode((string) wp_remote_retrieve_body($response), true);
+		if (!is_array($body)) {
+			return ['success' => false, 'message' => __('易支付查询响应无效', 'aksrt')];
+		}
+
+		// code=1 success in most forks; status 1 = paid.
+		$code   = (int) ($body['code'] ?? 0);
+		$status = (int) ($body['status'] ?? $body['trade_status'] ?? 0);
+		$paid   = $code === 1 && ((string) $status === '1' || (string) ($body['trade_status'] ?? '') === 'TRADE_SUCCESS');
+
+		$amount = (float) ($body['money'] ?? $body['amount'] ?? 0);
+		$tx     = (string) ($body['trade_no'] ?? $body['api_trade_no'] ?? '');
+
+		return [
+			'success'        => true,
+			'order_number'   => (string) ($body['out_trade_no'] ?? $order_number),
+			'amount'         => $amount,
+			'transaction_id' => $tx,
+			'status'         => $paid ? 'paid' : 'pending',
+		];
+	}
+
+	public function refund(string $order_number, float $amount, string $request_id = ''): array {
+		return [
+			'success' => false,
+			'status'  => 'failed',
+			'message' => __('易支付退款请在商户后台人工处理', 'aksrt'),
+		];
+	}
+
+	/**
+	 * @return array{apiurl:string,pid:string,key:string,device:string}
+	 */
+	private function get_config(): array {
+		$all = class_exists('\AKSRT\Settings\Settings')
+			? \AKSRT\Settings\Settings::get_all()
+			: [];
+		$device = sanitize_key((string) ($all['epay_device'] ?? 'auto'));
+		if (!in_array($device, ['auto', 'pc', 'mobile'], true)) {
+			$device = 'auto';
+		}
+		$apiurl = (string) ($all['epay_apiurl'] ?? '');
+		$apiurl = rtrim(trim($apiurl), '/') . '/';
+		if ($apiurl === '/') {
+			$apiurl = '';
+		}
+		return [
+			'apiurl' => $apiurl,
+			'pid'    => (string) ($all['epay_pid'] ?? ''),
+			'key'    => (string) ($all['epay_key'] ?? ''),
+			'device' => $device,
+		];
+	}
+
+	/**
+	 * @param array<string,mixed> $params
+	 */
+	private function sign(array $params, string $key): string {
+		$filtered = [];
+		foreach ($params as $k => $v) {
+			if ($k === 'sign' || $k === 'sign_type') {
+				continue;
+			}
+			if ($v === '' || $v === null) {
+				continue;
+			}
+			$filtered[(string) $k] = is_scalar($v) ? (string) $v : '';
+		}
+		ksort($filtered);
+		$parts = [];
+		foreach ($filtered as $k => $v) {
+			$parts[] = $k . '=' . $v;
+		}
+		return md5(implode('&', $parts) . $key);
+	}
+
+	/**
+	 * @param array<string,mixed> $params
+	 */
+	private function verify_sign(array $params, string $key, string $sign): bool {
+		$expected = $this->sign($params, $key);
+		return hash_equals(strtolower($expected), strtolower($sign));
+	}
+
+	private function endpoint(string $apiurl, string $file): string {
+		return rtrim($apiurl, '/') . '/' . ltrim($file, '/');
+	}
+
+	private function prefer_mobile(string $device): bool {
+		if ($device === 'mobile') {
+			return true;
+		}
+		if ($device === 'pc') {
+			return false;
+		}
+		// auto
+		if (!empty($_SERVER['HTTP_USER_AGENT'])) {
+			$ua = (string) $_SERVER['HTTP_USER_AGENT'];
+			return (bool) preg_match('/Mobile|Android|iPhone|iPad|iPod|MicroMessenger/i', $ua);
+		}
+		return false;
+	}
+
+	/**
+	 * @param array<string,string> $params
+	 * @return array{success:bool,payment_url?:string,payment_data?:array,message?:string}
+	 */
+	private function browser_submit_result(string $apiurl, array $params, string $order_number): array {
+		$url = add_query_arg($params, $this->endpoint($apiurl, 'submit.php'));
+		return [
+			'success'      => true,
+			'payment_url'  => $url,
+			'payment_data' => [
+				'order_number' => $order_number,
+				'channel'      => $this->channel,
+			],
+			'message'      => __('易支付支付链接已生成', 'aksrt'),
+		];
+	}
+}
diff --git a/src/AKSRT/Payment/UserOrders.php b/src/AKSRT/Payment/UserOrders.php
index 22cd7a48..ab4ac488 100644
--- a/src/AKSRT/Payment/UserOrders.php
+++ b/src/AKSRT/Payment/UserOrders.php
@@ -504,13 +504,15 @@ class UserOrders {
     private function payment_method_label(string $method): string {
         $method = sanitize_key($method);
         $map = [
-            'balance'    => __('站内余额', 'aksrt'),
-            'points'     => __('积分支付', 'aksrt'),
-            'alipay'     => __('支付宝', 'aksrt'),
-            'wechatpay'  => __('微信支付', 'aksrt'),
-            'wechat'     => __('微信支付', 'aksrt'),
-            'paypal'     => 'PayPal',
-            'stripe'     => 'Stripe',
+            'balance'     => __('站内余额', 'aksrt'),
+            'points'      => __('积分支付', 'aksrt'),
+            'alipay'      => __('支付宝', 'aksrt'),
+            'wechatpay'   => __('微信支付', 'aksrt'),
+            'wechat'      => __('微信支付', 'aksrt'),
+            'paypal'      => 'PayPal',
+            'stripe'      => 'Stripe',
+            'epay_alipay' => __('易支付·支付宝', 'aksrt'),
+            'epay_wxpay'  => __('易支付·微信', 'aksrt'),
         ];
         return $map[$method] ?? ($method !== '' ? $method : __('—', 'aksrt'));
     }
diff --git a/src/AKSRT/Settings/PaymentRuntime.php b/src/AKSRT/Settings/PaymentRuntime.php
index 39ee4af0..bcc200ac 100644
--- a/src/AKSRT/Settings/PaymentRuntime.php
+++ b/src/AKSRT/Settings/PaymentRuntime.php
@@ -299,42 +299,22 @@ class PaymentRuntime {
      */
     public static function get_payment_gateway_settings(): array {
         $settings = Settings::get_all();
-        $mode = sanitize_key((string) ($settings['payment_gateway_mode'] ?? 'manual_review'));
-        if (!in_array($mode, ['manual_review', 'test_gateway', 'adapter_ready'], true)) {
-            $mode = 'manual_review';
-        }
-
-        $help_text = trim((string) ($settings['payment_gateway_help'] ?? ''));
-        $gateway_keys = ['wechat', 'alipay', 'paypal', 'stripe', 'balance', 'card_pass', 'xunhupay', 'xhpay', 'payjs', 'epay', 'vmq', 'codepay'];
+        $gateway_keys = ['wechat', 'alipay', 'paypal', 'stripe', 'balance', 'card_pass', 'epay'];
         $gateways = [];
         foreach ($gateway_keys as $gw) {
             $gateways[$gw] = !empty($settings["payment_{$gw}_enabled"]);
         }
 
         return [
-            'mode'            => $mode,
-            'test_enabled'    => !isset($settings['payment_gateway_test_enabled']) || !empty($settings['payment_gateway_test_enabled']),
-            'manual_review'   => !isset($settings['payment_gateway_manual_review']) || !empty($settings['payment_gateway_manual_review']),
-            'callback_secret' => sanitize_text_field((string) ($settings['payment_gateway_callback_secret'] ?? '')),
-            'help_text'       => $help_text !== '' ? $help_text : __('未接真实支付网关时，建议使用测试网关或人工确认模式完成联调。', 'aksrt'),
-            'gateways'        => $gateways,
-            'xunhupay'        => [
-                'appid'     => sanitize_text_field((string) ($settings['xunhupay_appid'] ?? '')),
-                'appsecret' => sanitize_text_field((string) ($settings['xunhupay_appsecret'] ?? '')),
-            ],
-            'xhpay'           => [
-                'mchid'     => sanitize_text_field((string) ($settings['xhpay_mchid'] ?? '')),
-                'alipay_v2' => sanitize_text_field((string) ($settings['xhpay_alipay_v2'] ?? '')),
-                'wx_h5'     => sanitize_text_field((string) ($settings['xhpay_wx_h5'] ?? '')),
-            ],
-            'payjs'           => [
-                'mchid' => sanitize_text_field((string) ($settings['payjs_mchid'] ?? '')),
-                'key'   => sanitize_text_field((string) ($settings['payjs_key'] ?? '')),
-            ],
-            'epay'            => [
-                'apiurl' => esc_url_raw((string) ($settings['epay_apiurl'] ?? '')),
-                'pid'    => sanitize_text_field((string) ($settings['epay_pid'] ?? '')),
-                'key'    => sanitize_text_field((string) ($settings['epay_key'] ?? '')),
+            'help_text' => __('以渠道开关与凭据是否齐全为准；异步回调由各网关验签。卡密为兑换入口，不进入收银台。', 'aksrt'),
+            'gateways'  => $gateways,
+            'epay'      => [
+                'apiurl'          => esc_url_raw((string) ($settings['epay_apiurl'] ?? '')),
+                'pid'             => sanitize_text_field((string) ($settings['epay_pid'] ?? '')),
+                'key'             => sanitize_text_field((string) ($settings['epay_key'] ?? '')),
+                'channel_alipay'  => !array_key_exists('epay_channel_alipay', $settings) || !empty($settings['epay_channel_alipay']),
+                'channel_wxpay'   => !array_key_exists('epay_channel_wxpay', $settings) || !empty($settings['epay_channel_wxpay']),
+                'device'          => sanitize_key((string) ($settings['epay_device'] ?? 'auto')),
             ],
         ];
     }
@@ -444,19 +424,17 @@ class PaymentRuntime {
      */
     public static function is_gateway_enabled(string $gateway_id): bool {
         $settings = Settings::get_all();
+        $gateway_id = sanitize_key($gateway_id);
         $map = [
-            'alipay'     => 'payment_alipay_enabled',
-            'wechatpay'  => 'payment_wechat_enabled',
-            'paypal'     => 'payment_paypal_enabled',
-            'stripe'     => 'payment_stripe_enabled',
-            'balance'    => 'payment_balance_enabled',
-            'card_pass'  => 'payment_card_pass_enabled',
-            'xunhupay'   => 'payment_xunhupay_enabled',
-            'xhpay'      => 'payment_xhpay_enabled',
-            'payjs'      => 'payment_payjs_enabled',
-            'epay'       => 'payment_epay_enabled',
-            'vmq'        => 'payment_vmq_enabled',
-            'codepay'    => 'payment_codepay_enabled',
+            'alipay'      => 'payment_alipay_enabled',
+            'wechatpay'   => 'payment_wechat_enabled',
+            'paypal'      => 'payment_paypal_enabled',
+            'stripe'      => 'payment_stripe_enabled',
+            'balance'     => 'payment_balance_enabled',
+            'card_pass'   => 'payment_card_pass_enabled',
+            'epay'        => 'payment_epay_enabled',
+            'epay_alipay' => 'payment_epay_enabled',
+            'epay_wxpay'  => 'payment_epay_enabled',
         ];
         $key = $map[$gateway_id] ?? '';
         if ($key === '') {
@@ -473,7 +451,17 @@ class PaymentRuntime {
             }
             return true;
         }
-        return !empty($settings[$key]);
+        if (empty($settings[$key])) {
+            return false;
+        }
+        // Epay sub-channels require the matching channel switch (default on when key missing).
+        if ($gateway_id === 'epay_alipay') {
+            return !array_key_exists('epay_channel_alipay', $settings) || !empty($settings['epay_channel_alipay']);
+        }
+        if ($gateway_id === 'epay_wxpay') {
+            return !array_key_exists('epay_channel_wxpay', $settings) || !empty($settings['epay_channel_wxpay']);
+        }
+        return true;
     }
 
     /**
diff --git a/src/AKSRT/Shop/ProductService.php b/src/AKSRT/Shop/ProductService.php
index 46896382..908a1957 100644
--- a/src/AKSRT/Shop/ProductService.php
+++ b/src/AKSRT/Shop/ProductService.php
@@ -95,24 +95,12 @@ class ProductService {
             ];
         }
 
-        $manual = true;
-        if (class_exists('\AKSRT\Settings\Settings')) {
-            $gw = \AKSRT\Settings\Settings::get_payment_gateway_settings();
-            $manual = !empty($gw['manual_review']) || ($gw['mode'] ?? '') === 'manual_review';
-        }
-        if ($manual) {
-            $methods['manual_review'] = [
-                'value'       => 'manual_review',
-                'label'       => __('人工确认', 'aksrt'),
-                'description' => __('保留待支付订单，后续由管理员确认。', 'aksrt'),
-            ];
-        }
-
+        // Fallback only when no configured gateways (and no points).
         if (empty($methods)) {
             $methods['manual_review'] = [
                 'value'       => 'manual_review',
                 'label'       => __('人工确认', 'aksrt'),
-                'description' => __('保留待支付订单，后续由管理员确认。', 'aksrt'),
+                'description' => __('暂无可用支付网关，保留待支付订单由管理员确认。', 'aksrt'),
             ];
         }
 
@@ -131,6 +119,10 @@ class ProductService {
                 return __('跳转 PayPal 完成支付。', 'aksrt');
             case 'stripe':
                 return __('跳转 Stripe Checkout 完成支付。', 'aksrt');
+            case 'epay_alipay':
+                return __('经易支付跳转支付宝完成支付。', 'aksrt');
+            case 'epay_wxpay':
+                return __('经易支付跳转微信完成支付。', 'aksrt');
             default:
                 return '';
         }