diff --git a/src/__tests__/app/api/user-route.test.ts b/src/__tests__/app/api/user-route.test.ts
index cc78262..015212f 100644
--- a/src/__tests__/app/api/user-route.test.ts
+++ b/src/__tests__/app/api/user-route.test.ts
@@ -102,4 +102,13 @@ describe('GET /api/user', () => {
     expect(data.config.enabledPaymentTypes).toEqual(['alipay', 'wxpay', 'stripe']);
     expect(mockQueryMethodLimits).toHaveBeenCalledWith(['alipay', 'wxpay', 'stripe']);
   });
+
+  it('falls back to supported payment types when ENABLED_PAYMENT_TYPES is undefined', async () => {
+    const response = await GET(createRequest());
+    const data = await response.json();
+
+    expect(response.status).toBe(200);
+    expect(data.config.enabledPaymentTypes).toEqual(['alipay', 'wxpay', 'stripe']);
+    expect(mockQueryMethodLimits).toHaveBeenCalledWith(['alipay', 'wxpay', 'stripe']);
+  });
 });
diff --git a/src/app/api/user/route.ts b/src/app/api/user/route.ts
index c35481a..36bf7f8 100644
--- a/src/app/api/user/route.ts
+++ b/src/app/api/user/route.ts
@@ -55,12 +55,12 @@ export async function GET(request: NextRequest) {
     const env = getEnv();
     initPaymentProviders();
     const supportedTypes = paymentRegistry.getSupportedTypes();
-    const [user, configuredEnabledTypes, balanceDisabledVal] = await Promise.all([
+    const [user, configuredPaymentTypesRaw, balanceDisabledVal] = await Promise.all([
       getUser(userId),
       getSystemConfig('ENABLED_PAYMENT_TYPES'),
       getSystemConfig('BALANCE_PAYMENT_DISABLED'),
     ]);
-    const enabledTypes = resolveEnabledPaymentTypes(supportedTypes, configuredEnabledTypes);
+    const enabledTypes = resolveEnabledPaymentTypes(supportedTypes, configuredPaymentTypesRaw);
     const methodLimits = await queryMethodLimits(enabledTypes);
     const balanceDisabled = balanceDisabledVal === 'true';