diff --git a/src/app/api/limits/route.ts b/src/app/api/limits/route.ts
index 3cc33fc..90ec41c 100644
--- a/src/app/api/limits/route.ts
+++ b/src/app/api/limits/route.ts
@@ -1,6 +1,6 @@
 import { NextResponse } from 'next/server';
-import { getEnv } from '@/lib/config';
 import { queryMethodLimits } from '@/lib/order/limits';
+import { initPaymentProviders, paymentRegistry } from '@/lib/payment';
 
 /**
  * GET /api/limits
@@ -17,8 +17,8 @@ import { queryMethodLimits } from '@/lib/order/limits';
  * }
  */
 export async function GET() {
-  const env = getEnv();
-  const types = env.ENABLED_PAYMENT_TYPES;
+  initPaymentProviders();
+  const types = paymentRegistry.getSupportedTypes();
 
   const todayStart = new Date();
   todayStart.setUTCHours(0, 0, 0, 0);
diff --git a/src/app/api/orders/route.ts b/src/app/api/orders/route.ts
index 115e515..25b3537 100644
--- a/src/app/api/orders/route.ts
+++ b/src/app/api/orders/route.ts
@@ -2,6 +2,7 @@ import { NextRequest, NextResponse } from 'next/server';
 import { z } from 'zod';
 import { createOrder, OrderError } from '@/lib/order/service';
 import { getEnv } from '@/lib/config';
+import { initPaymentProviders, paymentRegistry } from '@/lib/payment';
 
 const createOrderSchema = z.object({
   user_id: z.number().int().positive(),
@@ -14,6 +15,7 @@ const createOrderSchema = z.object({
 export async function POST(request: NextRequest) {
   try {
     const env = getEnv();
+    initPaymentProviders();
     const body = await request.json();
     const parsed = createOrderSchema.safeParse(body);
 
@@ -32,7 +34,7 @@ export async function POST(request: NextRequest) {
     }
 
     // Validate payment type is enabled
-    if (!env.ENABLED_PAYMENT_TYPES.includes(payment_type)) {
+    if (!paymentRegistry.getSupportedTypes().includes(payment_type)) {
       return NextResponse.json({ error: `不支持的支付方式: ${payment_type}` }, { status: 400 });
     }
 
diff --git a/src/app/api/user/route.ts b/src/app/api/user/route.ts
index 755e4d6..824e352 100644
--- a/src/app/api/user/route.ts
+++ b/src/app/api/user/route.ts
@@ -2,6 +2,7 @@ import { NextRequest, NextResponse } from 'next/server';
 import { getUser } from '@/lib/sub2api/client';
 import { getEnv } from '@/lib/config';
 import { queryMethodLimits } from '@/lib/order/limits';
+import { initPaymentProviders, paymentRegistry } from '@/lib/payment';
 
 export async function GET(request: NextRequest) {
   const userId = Number(request.nextUrl.searchParams.get('user_id'));
@@ -11,7 +12,9 @@ export async function GET(request: NextRequest) {
 
   try {
     const env = getEnv();
-    const [user, methodLimits] = await Promise.all([getUser(userId), queryMethodLimits(env.ENABLED_PAYMENT_TYPES)]);
+    initPaymentProviders();
+    const enabledTypes = paymentRegistry.getSupportedTypes();
+    const [user, methodLimits] = await Promise.all([getUser(userId), queryMethodLimits(enabledTypes)]);
 
     // 收集 sublabel 覆盖（仅包含用户实际配置的项）
     const sublabelOverrides: Record<string, string> = {};
@@ -27,7 +30,7 @@ export async function GET(request: NextRequest) {
         status: user.status,
       },
       config: {
-        enabledPaymentTypes: env.ENABLED_PAYMENT_TYPES,
+        enabledPaymentTypes: enabledTypes,
         minAmount: env.MIN_RECHARGE_AMOUNT,
         maxAmount: env.MAX_RECHARGE_AMOUNT,
         maxDailyAmount: env.MAX_DAILY_RECHARGE_AMOUNT,
@@ -35,7 +38,7 @@ export async function GET(request: NextRequest) {
         helpImageUrl: env.PAY_HELP_IMAGE_URL ?? null,
         helpText: env.PAY_HELP_TEXT ?? null,
         stripePublishableKey:
-          env.ENABLED_PAYMENT_TYPES.includes('stripe') && env.STRIPE_PUBLISHABLE_KEY
+          enabledTypes.includes('stripe') && env.STRIPE_PUBLISHABLE_KEY
             ? env.STRIPE_PUBLISHABLE_KEY
             : null,
         sublabelOverrides: Object.keys(sublabelOverrides).length > 0 ? sublabelOverrides : null,
diff --git a/src/lib/config.ts b/src/lib/config.ts
index d9ea196..ed1cbef 100644
--- a/src/lib/config.ts
+++ b/src/lib/config.ts
@@ -47,13 +47,6 @@ const envSchema = z.object({
   STRIPE_PUBLISHABLE_KEY: optionalTrimmedString,
   STRIPE_WEBHOOK_SECRET: optionalTrimmedString,
 
-  // ── 启用的支付渠道（在已配置服务商支持的渠道中选择） ──
-  // 易支付支持: alipay, wxpay；Stripe 支持: stripe
-  ENABLED_PAYMENT_TYPES: z
-    .string()
-    .default('alipay,wxpay')
-    .transform((v) => v.split(',').map((s) => s.trim())),
-
   ORDER_TIMEOUT_MINUTES: z.string().default('5').transform(Number).pipe(z.number().int().positive()),
   MIN_RECHARGE_AMOUNT: z.string().default('1').transform(Number).pipe(z.number().positive()),
   MAX_RECHARGE_AMOUNT: z.string().default('1000').transform(Number).pipe(z.number().positive()),
diff --git a/src/lib/payment/index.ts b/src/lib/payment/index.ts
index d8ae284..e33e627 100644
--- a/src/lib/payment/index.ts
+++ b/src/lib/payment/index.ts
@@ -46,14 +46,5 @@ export function initPaymentProviders(): void {
     paymentRegistry.register(new StripeProvider());
   }
 
-  // 校验 ENABLED_PAYMENT_TYPES 的每个渠道都有对应 provider 已注册
-  const unsupported = env.ENABLED_PAYMENT_TYPES.filter((t) => !paymentRegistry.hasProvider(t as PaymentType));
-  if (unsupported.length > 0) {
-    throw new Error(
-      `ENABLED_PAYMENT_TYPES 含 [${unsupported.join(', ')}]，但没有对应的 PAYMENT_PROVIDERS 注册。` +
-        `请检查 PAYMENT_PROVIDERS 配置`,
-    );
-  }
-
   initialized = true;
 }