diff --git a/src/lib/config.ts b/src/lib/config.ts
index a0e4be4..6a0a8df 100644
--- a/src/lib/config.ts
+++ b/src/lib/config.ts
@@ -12,7 +12,13 @@ const envSchema = z.object({
   SUB2API_BASE_URL: z.string().url(),
   SUB2API_ADMIN_API_KEY: z.string().min(1),
 
-  // ── Easy-Pay (optional when only using Stripe) ──
+  // ── 支付服务商（显式声明启用哪些服务商，逗号分隔：easypay, stripe） ──
+  PAYMENT_PROVIDERS: z
+    .string()
+    .default('')
+    .transform((v) => v.split(',').map((s) => s.trim().toLowerCase()).filter(Boolean)),
+
+  // ── Easy-Pay（PAYMENT_PROVIDERS 含 easypay 时必填） ──
   EASY_PAY_PID: optionalTrimmedString,
   EASY_PAY_PKEY: optionalTrimmedString,
   EASY_PAY_API_BASE: optionalTrimmedString,
@@ -22,10 +28,13 @@ const envSchema = z.object({
   EASY_PAY_CID_ALIPAY: optionalTrimmedString,
   EASY_PAY_CID_WXPAY: optionalTrimmedString,
 
+  // ── Stripe（PAYMENT_PROVIDERS 含 stripe 时必填） ──
   STRIPE_SECRET_KEY: optionalTrimmedString,
   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')
diff --git a/src/lib/payment/index.ts b/src/lib/payment/index.ts
index fdccca2..d440d35 100644
--- a/src/lib/payment/index.ts
+++ b/src/lib/payment/index.ts
@@ -19,10 +19,21 @@ let initialized = false;
 
 export function initPaymentProviders(): void {
   if (initialized) return;
-  paymentRegistry.register(new EasyPayProvider());
 
   const env = getEnv();
-  if (env.STRIPE_SECRET_KEY) {
+  const providers = env.PAYMENT_PROVIDERS;
+
+  if (providers.includes('easypay')) {
+    if (!env.EASY_PAY_PID || !env.EASY_PAY_PKEY) {
+      throw new Error('PAYMENT_PROVIDERS 含 easypay，但缺少 EASY_PAY_PID 或 EASY_PAY_PKEY');
+    }
+    paymentRegistry.register(new EasyPayProvider());
+  }
+
+  if (providers.includes('stripe')) {
+    if (!env.STRIPE_SECRET_KEY) {
+      throw new Error('PAYMENT_PROVIDERS 含 stripe，但缺少 STRIPE_SECRET_KEY');
+    }
     paymentRegistry.register(new StripeProvider());
   }