diff --git a/src/app/pay/page.tsx b/src/app/pay/page.tsx
index 39132e5..1c8f73b 100644
--- a/src/app/pay/page.tsx
+++ b/src/app/pay/page.tsx
@@ -187,6 +187,20 @@ function PayContent() {
     // eslint-disable-next-line react-hooks/exhaustive-deps
   }, [userId, token]);
 
+  useEffect(() => {
+    if (step !== 'result' || finalStatus !== 'COMPLETED') return;
+    // 立即在后台刷新余额，2.2s 显示结果页后再切回表单（届时余额已更新）
+    loadUserAndOrders();
+    const timer = setTimeout(() => {
+      setStep('form');
+      setOrderResult(null);
+      setFinalStatus('');
+      setError('');
+    }, 2200);
+    return () => clearTimeout(timer);
+    // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, [step, finalStatus]);
+
   if (!effectiveUserId || Number.isNaN(effectiveUserId) || effectiveUserId <= 0) {
     return (
       <div className={`flex min-h-screen items-center justify-center p-4 ${isDark ? 'bg-slate-950' : 'bg-slate-50'}`}>
@@ -290,20 +304,6 @@ function PayContent() {
     setError('');
   };
 
-  useEffect(() => {
-    if (step !== 'result' || finalStatus !== 'COMPLETED') return;
-    // 立即在后台刷新余额，2.2s 显示结果页后再切回表单（届时余额已更新）
-    loadUserAndOrders();
-    const timer = setTimeout(() => {
-      setStep('form');
-      setOrderResult(null);
-      setFinalStatus('');
-      setError('');
-    }, 2200);
-    return () => clearTimeout(timer);
-    // eslint-disable-next-line react-hooks/exhaustive-deps
-  }, [step, finalStatus]);
-
   return (
     <PayPageLayout
       isDark={isDark}
@@ -311,35 +311,37 @@ function PayContent() {
       maxWidth={isMobile ? 'sm' : 'lg'}
       title="Sub2API 余额充值"
       subtitle="安全支付，自动到账"
-      actions={!isMobile ? (
-        <>
-          <button
-            type="button"
-            onClick={loadUserAndOrders}
-            className={[
-              'inline-flex items-center rounded-lg border px-3 py-1.5 text-xs font-medium transition-colors',
-              isDark ? 'border-slate-600 text-slate-200 hover:bg-slate-800' : 'border-slate-300 text-slate-700 hover:bg-slate-100',
-            ].join(' ')}
-          >
-            刷新
-          </button>
-          <a
-            href={ordersUrl}
-            className={[
-              'inline-flex items-center rounded-lg border px-3 py-1.5 text-xs font-medium transition-colors',
-              isDark ? 'border-slate-600 text-slate-200 hover:bg-slate-800' : 'border-slate-300 text-slate-700 hover:bg-slate-100',
-            ].join(' ')}
-          >
-            我的订单
-          </a>
-        </>
-      ) : undefined}
+      actions={
+        !isMobile ? (
+          <>
+            <button
+              type="button"
+              onClick={loadUserAndOrders}
+              className={[
+                'inline-flex items-center rounded-lg border px-3 py-1.5 text-xs font-medium transition-colors',
+                isDark
+                  ? 'border-slate-600 text-slate-200 hover:bg-slate-800'
+                  : 'border-slate-300 text-slate-700 hover:bg-slate-100',
+              ].join(' ')}
+            >
+              刷新
+            </button>
+            <a
+              href={ordersUrl}
+              className={[
+                'inline-flex items-center rounded-lg border px-3 py-1.5 text-xs font-medium transition-colors',
+                isDark
+                  ? 'border-slate-600 text-slate-200 hover:bg-slate-800'
+                  : 'border-slate-300 text-slate-700 hover:bg-slate-100',
+              ].join(' ')}
+            >
+              我的订单
+            </a>
+          </>
+        ) : undefined
+      }
     >
-      {error && (
-        <div className="mb-4 rounded-lg border border-red-200 bg-red-50 p-3 text-sm text-red-600">
-          {error}
-        </div>
-      )}
+      {error && <div className="mb-4 rounded-lg border border-red-200 bg-red-50 p-3 text-sm text-red-600">{error}</div>}
 
       {step === 'form' && isMobile && (
         <div
@@ -354,10 +356,12 @@ function PayContent() {
             className={[
               'rounded-lg px-3 py-2 text-sm font-semibold transition-all duration-200',
               activeMobileTab === 'pay'
-                ? (isDark
+                ? isDark
                   ? 'bg-indigo-500/30 text-indigo-100 ring-1 ring-indigo-300/35 shadow-sm'
-                  : 'bg-white text-slate-900 ring-1 ring-slate-300 shadow-md shadow-slate-300/50')
-                : (isDark ? 'text-slate-400 hover:text-slate-200' : 'text-slate-500 hover:text-slate-700'),
+                  : 'bg-white text-slate-900 ring-1 ring-slate-300 shadow-md shadow-slate-300/50'
+                : isDark
+                  ? 'text-slate-400 hover:text-slate-200'
+                  : 'text-slate-500 hover:text-slate-700',
             ].join(' ')}
           >
             充值
@@ -368,10 +372,12 @@ function PayContent() {
             className={[
               'rounded-lg px-3 py-2 text-sm font-semibold transition-all duration-200',
               activeMobileTab === 'orders'
-                ? (isDark
+                ? isDark
                   ? 'bg-indigo-500/30 text-indigo-100 ring-1 ring-indigo-300/35 shadow-sm'
-                  : 'bg-white text-slate-900 ring-1 ring-slate-300 shadow-md shadow-slate-300/50')
-                : (isDark ? 'text-slate-400 hover:text-slate-200' : 'text-slate-500 hover:text-slate-700'),
+                  : 'bg-white text-slate-900 ring-1 ring-slate-300 shadow-md shadow-slate-300/50'
+                : isDark
+                  ? 'text-slate-400 hover:text-slate-200'
+                  : 'text-slate-500 hover:text-slate-700',
             ].join(' ')}
           >
             我的订单
@@ -382,9 +388,7 @@ function PayContent() {
       {step === 'form' && config.enabledPaymentTypes.length === 0 && (
         <div className="flex items-center justify-center py-12">
           <div className="h-6 w-6 animate-spin rounded-full border-2 border-blue-500 border-t-transparent" />
-          <span className={['ml-3 text-sm', isDark ? 'text-slate-400' : 'text-gray-500'].join(' ')}>
-            加载中...
-          </span>
+          <span className={['ml-3 text-sm', isDark ? 'text-slate-400' : 'text-gray-500'].join(' ')}>加载中...</span>
         </div>
       )}
 
@@ -432,31 +436,46 @@ function PayContent() {
                 />
               </div>
               <div className="space-y-4">
-                <div className={['rounded-2xl border p-4', isDark ? 'border-slate-700 bg-slate-800/70' : 'border-slate-200 bg-slate-50'].join(' ')}>
+                <div
+                  className={[
+                    'rounded-2xl border p-4',
+                    isDark ? 'border-slate-700 bg-slate-800/70' : 'border-slate-200 bg-slate-50',
+                  ].join(' ')}
+                >
                   <div className={['text-xs', isDark ? 'text-slate-400' : 'text-slate-500'].join(' ')}>支付说明</div>
                   <ul className={['mt-2 space-y-1 text-sm', isDark ? 'text-slate-300' : 'text-slate-600'].join(' ')}>
                     <li>订单完成后会自动到账</li>
-                    <li>如需历史记录请查看"我的订单"</li>
-                    {config.maxDailyAmount > 0 && (
-                      <li>每日最大充值 ¥{config.maxDailyAmount.toFixed(2)}</li>
+                    <li>如需历史记录请查看「我的订单」</li>
+                    {config.maxDailyAmount > 0 && <li>每日最大充值 ¥{config.maxDailyAmount.toFixed(2)}</li>}
+                    {!hasToken && (
+                      <li className={isDark ? 'text-amber-200' : 'text-amber-700'}>当前链接无 token，订单查询受限</li>
                     )}
-                    {!hasToken && <li className={isDark ? 'text-amber-200' : 'text-amber-700'}>当前链接无 token，订单查询受限</li>}
                   </ul>
                 </div>
 
                 {hasHelpContent && (
-                  <div className={['rounded-2xl border p-4', isDark ? 'border-slate-700 bg-slate-800/70' : 'border-slate-200 bg-slate-50'].join(' ')}>
+                  <div
+                    className={[
+                      'rounded-2xl border p-4',
+                      isDark ? 'border-slate-700 bg-slate-800/70' : 'border-slate-200 bg-slate-50',
+                    ].join(' ')}
+                  >
                     <div className={['text-xs', isDark ? 'text-slate-400' : 'text-slate-500'].join(' ')}>Support</div>
                     {helpImageUrl && (
                       <img
                         src={helpImageUrl}
-                        alt='help'
+                        alt="help"
                         onClick={() => setHelpImageOpen(true)}
-                        className='mt-3 max-h-40 w-full cursor-zoom-in rounded-lg object-contain bg-white/70 p-2'
+                        className="mt-3 max-h-40 w-full cursor-zoom-in rounded-lg object-contain bg-white/70 p-2"
                       />
                     )}
                     {helpText && (
-                      <div className={['mt-3 space-y-1 text-sm leading-6', isDark ? 'text-slate-300' : 'text-slate-600'].join(' ')}>
+                      <div
+                        className={[
+                          'mt-3 space-y-1 text-sm leading-6',
+                          isDark ? 'text-slate-300' : 'text-slate-600',
+                        ].join(' ')}
+                      >
                         {helpText.split('\\n').map((line, i) => (
                           <p key={i}>{line}</p>
                         ))}
@@ -490,9 +509,7 @@ function PayContent() {
         />
       )}
 
-      {step === 'result' && (
-        <OrderStatus status={finalStatus} onBack={handleBack} dark={isDark} />
-      )}
+      {step === 'result' && <OrderStatus status={finalStatus} onBack={handleBack} dark={isDark} />}
 
       {helpImageOpen && helpImageUrl && (
         <div
@@ -501,8 +518,8 @@ function PayContent() {
         >
           <img
             src={helpImageUrl}
-            alt='help'
-            className='max-h-[90vh] max-w-full rounded-xl object-contain shadow-2xl'
+            alt="help"
+            className="max-h-[90vh] max-w-full rounded-xl object-contain shadow-2xl"
             onClick={(e) => e.stopPropagation()}
           />
         </div>
diff --git a/src/components/PaymentForm.tsx b/src/components/PaymentForm.tsx
index a9c0942..03915d5 100644
--- a/src/components/PaymentForm.tsx
+++ b/src/components/PaymentForm.tsx
@@ -1,6 +1,6 @@
 'use client';
 
-import { useState, useEffect } from 'react';
+import { useState } from 'react';
 import { PAYMENT_TYPE_META } from '@/lib/pay-utils';
 
 export interface MethodLimitInfo {
@@ -49,11 +49,9 @@ export default function PaymentForm({
   const [customAmount, setCustomAmount] = useState('');
 
   // Reset paymentType when enabledPaymentTypes changes (e.g. after config loads)
-  useEffect(() => {
-    if (!enabledPaymentTypes.includes(paymentType)) {
-      setPaymentType(enabledPaymentTypes[0] || 'stripe');
-    }
-  }, [enabledPaymentTypes, paymentType]);
+  const effectivePaymentType = enabledPaymentTypes.includes(paymentType)
+    ? paymentType
+    : enabledPaymentTypes[0] || 'stripe';
 
   const handleQuickAmount = (val: number) => {
     setAmount(val);
@@ -81,22 +79,23 @@ export default function PaymentForm({
   };
 
   const selectedAmount = amount || 0;
-  const isMethodAvailable = !methodLimits || (methodLimits[paymentType]?.available !== false);
-  const methodSingleMax = methodLimits?.[paymentType]?.singleMax;
-  const effectiveMax = (methodSingleMax !== undefined && methodSingleMax > 0) ? methodSingleMax : maxAmount;
-  const feeRate = methodLimits?.[paymentType]?.feeRate ?? 0;
-  const feeAmount = feeRate > 0 && selectedAmount > 0
-    ? Math.ceil(selectedAmount * feeRate / 100 * 100) / 100
-    : 0;
-  const payAmount = feeRate > 0 && selectedAmount > 0
-    ? Math.round((selectedAmount + feeAmount) * 100) / 100
-    : selectedAmount;
-  const isValid = selectedAmount >= minAmount && selectedAmount <= effectiveMax && hasValidCentPrecision(selectedAmount) && isMethodAvailable;
+  const isMethodAvailable = !methodLimits || methodLimits[effectivePaymentType]?.available !== false;
+  const methodSingleMax = methodLimits?.[effectivePaymentType]?.singleMax;
+  const effectiveMax = methodSingleMax !== undefined && methodSingleMax > 0 ? methodSingleMax : maxAmount;
+  const feeRate = methodLimits?.[effectivePaymentType]?.feeRate ?? 0;
+  const feeAmount = feeRate > 0 && selectedAmount > 0 ? Math.ceil(((selectedAmount * feeRate) / 100) * 100) / 100 : 0;
+  const payAmount =
+    feeRate > 0 && selectedAmount > 0 ? Math.round((selectedAmount + feeAmount) * 100) / 100 : selectedAmount;
+  const isValid =
+    selectedAmount >= minAmount &&
+    selectedAmount <= effectiveMax &&
+    hasValidCentPrecision(selectedAmount) &&
+    isMethodAvailable;
 
   const handleSubmit = async (e: React.FormEvent) => {
     e.preventDefault();
     if (!isValid || loading) return;
-    await onSubmit(selectedAmount, paymentType);
+    await onSubmit(selectedAmount, effectivePaymentType);
   };
 
   const renderPaymentIcon = (type: string) => {
@@ -215,19 +214,17 @@ export default function PaymentForm({
         </div>
       </div>
 
-      {customAmount !== '' && !isValid && (() => {
-        const num = parseFloat(customAmount);
-        let msg = '金额需在范围内，且最多支持 2 位小数（精确到分）';
-        if (!isNaN(num)) {
-          if (num < minAmount) msg = `单笔最低充值 ¥${minAmount}`;
-          else if (num > effectiveMax) msg = `单笔最高充值 ¥${effectiveMax}`;
-        }
-        return (
-          <div className={['text-xs', dark ? 'text-amber-300' : 'text-amber-700'].join(' ')}>
-            {msg}
-          </div>
-        );
-      })()}
+      {customAmount !== '' &&
+        !isValid &&
+        (() => {
+          const num = parseFloat(customAmount);
+          let msg = '金额需在范围内，且最多支持 2 位小数（精确到分）';
+          if (!isNaN(num)) {
+            if (num < minAmount) msg = `单笔最低充值 ¥${minAmount}`;
+            else if (num > effectiveMax) msg = `单笔最高充值 ¥${effectiveMax}`;
+          }
+          return <div className={['text-xs', dark ? 'text-amber-300' : 'text-amber-700'].join(' ')}>{msg}</div>;
+        })()}
 
       {/* Payment Type — only show when multiple types available */}
       {enabledPaymentTypes.length > 1 && (
@@ -238,7 +235,7 @@ export default function PaymentForm({
           <div className="flex gap-3">
             {enabledPaymentTypes.map((type) => {
               const meta = PAYMENT_TYPE_META[type];
-              const isSelected = paymentType === type;
+              const isSelected = effectivePaymentType === type;
               const limitInfo = methodLimits?.[type];
               const isUnavailable = limitInfo !== undefined && !limitInfo.available;
 
@@ -284,7 +281,7 @@ export default function PaymentForm({
 
           {/* 当前选中渠道额度不足时的提示 */}
           {(() => {
-            const limitInfo = methodLimits?.[paymentType];
+            const limitInfo = methodLimits?.[effectivePaymentType];
             if (!limitInfo || limitInfo.available) return null;
             return (
               <p className={['mt-2 text-xs', dark ? 'text-amber-300' : 'text-amber-600'].join(' ')}>
@@ -311,10 +308,12 @@ export default function PaymentForm({
             <span>手续费（{feeRate}%）</span>
             <span>¥{feeAmount.toFixed(2)}</span>
           </div>
-          <div className={[
-            'flex items-center justify-between mt-1.5 pt-1.5 border-t font-medium',
-            dark ? 'border-slate-700 text-slate-100' : 'border-slate-200 text-slate-900',
-          ].join(' ')}>
+          <div
+            className={[
+              'flex items-center justify-between mt-1.5 pt-1.5 border-t font-medium',
+              dark ? 'border-slate-700 text-slate-100' : 'border-slate-200 text-slate-900',
+            ].join(' ')}
+          >
             <span>实付金额</span>
             <span>¥{payAmount.toFixed(2)}</span>
           </div>
@@ -327,7 +326,7 @@ export default function PaymentForm({
         disabled={!isValid || loading}
         className={`w-full rounded-lg py-3 text-center font-medium text-white transition-colors ${
           isValid && !loading
-            ? paymentType === 'stripe'
+            ? effectivePaymentType === 'stripe'
               ? 'bg-[#635bff] hover:bg-[#5851db] active:bg-[#4b44c7]'
               : 'bg-blue-600 hover:bg-blue-700 active:bg-blue-800'
             : dark
@@ -335,7 +334,9 @@ export default function PaymentForm({
               : 'cursor-not-allowed bg-gray-300'
         }`}
       >
-        {loading ? '处理中...' : `立即充值 ¥${(feeRate > 0 && selectedAmount > 0 ? payAmount : selectedAmount || 0).toFixed(2)}`}
+        {loading
+          ? '处理中...'
+          : `立即充值 ¥${(feeRate > 0 && selectedAmount > 0 ? payAmount : selectedAmount || 0).toFixed(2)}`}
       </button>
     </form>
   );