diff --git a/internal/cmd/cmd.go b/internal/cmd/cmd.go
index 7b5eac2..ceb530d 100644
--- a/internal/cmd/cmd.go
+++ b/internal/cmd/cmd.go
@@ -172,6 +172,9 @@ var (
 				}
 				return nil
 			})
+			cs.Register("order_expiration", "*/5 * * * *", func(ctx context.Context) error {
+				return task.ExpirePendingOrders(ctx)
+			})
 			cs.StartBackground(ctx)
 
 			// Initialize update manager
diff --git a/internal/handler/public/payment.go b/internal/handler/public/payment.go
index 260e98c..a332e2b 100644
--- a/internal/handler/public/payment.go
+++ b/internal/handler/public/payment.go
@@ -1,6 +1,8 @@
 package public
 
 import (
+	"time"
+
 	"github.com/gogf/gf/v2/net/ghttp"
 
 	"github.com/qianfree/team-api/internal/logic/payment"
@@ -31,10 +33,24 @@ func HandlePaymentCallback(r *ghttp.Request) {
 // 仅查询订单状态决定跳转目标，履约由异步回调完成。
 func HandlePaymentEpayReturn(r *ghttp.Request) {
 	orderNo := r.GetQuery("out_trade_no").String()
-	paid := payment.QueryOrderPaid(r.Context(), orderNo)
+	if orderNo == "" {
+		r.Response.RedirectTo("/console/wallet?pay=fail")
+		return
+	}
+
+	ctx := r.Context()
+	// 异步 notify 可能晚于浏览器回跳到达：最多轮询约 4 秒等待回调入账。
+	// 仍未到账不一定是失败（回调可能仍在途），引导到"处理中"页由前端继续刷新，
+	// 避免给用户展示误导性的"失败"。
+	paid := payment.QueryOrderPaid(ctx, orderNo)
+	for i := 0; !paid && i < 8; i++ {
+		time.Sleep(500 * time.Millisecond)
+		paid = payment.QueryOrderPaid(ctx, orderNo)
+	}
+
 	if paid {
 		r.Response.RedirectTo("/console/wallet?pay=success")
 		return
 	}
-	r.Response.RedirectTo("/console/wallet?pay=fail")
+	r.Response.RedirectTo("/console/wallet?pay=processing")
 }
diff --git a/internal/logic/payment/config.go b/internal/logic/payment/config.go
index 97b678e..657afef 100644
--- a/internal/logic/payment/config.go
+++ b/internal/logic/payment/config.go
@@ -57,9 +57,42 @@ func LoadChannelConfig(ctx context.Context, channelType string) (jsonStr string,
 
 // SaveChannelConfig 将渠道配置 JSON 保存到 sys_options。
 func SaveChannelConfig(ctx context.Context, channelType string, configJSON string) error {
+	// 启用线上支付渠道前，必须先配置全局回调地址，否则网关异步通知无法回传，
+	// 支付成功也无法入账（发起支付时还有 RequireCallbackBaseURL 二次校验）。
+	if err := validateChannelEnable(ctx, channelType, configJSON); err != nil {
+		return err
+	}
 	return lcommon.Config().SetOption(ctx, channelConfigKey(channelType), configJSON)
 }
 
+// validateChannelEnable 校验"启用渠道"的前置条件：启用易支付要求回调地址已配置。
+func validateChannelEnable(ctx context.Context, channelType string, configJSON string) error {
+	if channelType != "epay" {
+		return nil
+	}
+	cfg, err := ParseChannelConfig(channelType, configJSON)
+	if err != nil || cfg == nil {
+		return nil // JSON 合法性由调用方校验；此处只关心启用前置条件
+	}
+	ec, ok := cfg.(*EpayConfig)
+	if !ok || !ec.IsEnabled {
+		return nil
+	}
+	if strings.TrimSpace(GetCallbackBaseURL(ctx)) == "" {
+		return lcommon.NewBadRequestError("请先在「支付设置」中配置回调基础URL，再启用支付渠道；否则支付成功后无法回调入账")
+	}
+	return nil
+}
+
+// RequireCallbackBaseURL 发起支付前的二次防护：回调地址未配置则拒绝发起。
+// 渠道启用时已拦截一次，这里防止"启用后被清空回调地址"等场景下仍能发起支付。
+func RequireCallbackBaseURL(ctx context.Context) error {
+	if strings.TrimSpace(GetCallbackBaseURL(ctx)) == "" {
+		return lcommon.NewBusinessError(422, "支付回调地址未配置，请联系管理员在「支付设置」中配置回调基础URL")
+	}
+	return nil
+}
+
 // ListAllChannels 返回所有已注册渠道的配置（含未配置的，返回默认值）。
 func ListAllChannels(ctx context.Context) []map[string]interface{} {
 	result := make([]map[string]interface{}, 0, len(channelTypes))
diff --git a/internal/logic/tenant/order.go b/internal/logic/tenant/order.go
index f428d0b..27b08c3 100644
--- a/internal/logic/tenant/order.go
+++ b/internal/logic/tenant/order.go
@@ -187,6 +187,9 @@ func (s *sTenant) OrderPay(ctx context.Context, req *v1.TenantOrderPayReq) (*v1.
 	if req.PaymentChannel == "" {
 		return nil, lcommon.NewBusinessError(422, "请选择支付渠道")
 	}
+	if err := payment.RequireCallbackBaseURL(ctx); err != nil {
+		return nil, err
+	}
 
 	//
 	orderNo, finalAmount, currency, orderType, _, err := getOrderForPay(ctx, tenantID, orderID)
@@ -342,6 +345,9 @@ func (s *sTenant) RechargeCreate(ctx context.Context, req *v1.TenantRechargeCrea
 	}
 
 	// 2. 从 sys_options 加载渠道配置
+	if err := payment.RequireCallbackBaseURL(ctx); err != nil {
+		return nil, err
+	}
 	cfg, err := payment.GetChannelConfigAndProvider(ctx, req.PaymentChannel)
 	if err != nil {
 		return nil, lcommon.NewBusinessError(422, err.Error())
diff --git a/web/tenant/src/views/finance/WalletPage.vue b/web/tenant/src/views/finance/WalletPage.vue
index 2bf912a..262f532 100644
--- a/web/tenant/src/views/finance/WalletPage.vue
+++ b/web/tenant/src/views/finance/WalletPage.vue
@@ -17,7 +17,7 @@ const selectedPaymentMethod = ref('')
 const paymentInfo = ref<any>(null)
 
 // Pay result notification
-const payResult = ref<'success' | 'fail' | ''>('')
+const payResult = ref<'success' | 'fail' | 'processing' | ''>('')
 
 // Frozen items
 const showFrozenModal = ref(false)
@@ -239,11 +239,19 @@ onMounted(() => {
 
 	// Handle pay result from return URL
 	const pay = route.query.pay as string
-	if (pay === 'success' || pay === 'fail') {
+	if (pay === 'success' || pay === 'fail' || pay === 'processing') {
 		payResult.value = pay
-		setTimeout(() => { payResult.value = '' }, 5000)
 		if (pay === 'success') {
+			setTimeout(() => { payResult.value = '' }, 5000)
 			fetchWallet()
+		} else if (pay === 'processing') {
+			// 异步回调可能仍在途：延迟刷新余额，到账后自动更新；超时后提示联系客服
+			fetchWallet()
+			setTimeout(fetchWallet, 3000)
+			setTimeout(fetchWallet, 8000)
+			setTimeout(() => { payResult.value = '' }, 12000)
+		} else {
+			setTimeout(() => { payResult.value = '' }, 5000)
 		}
 	}
 })
@@ -295,6 +303,18 @@ onBeforeUnmount(() => {
 					<Icon name="x" size="sm" />
 				</button>
 			</div>
+			<div v-else-if="payResult === 'processing'" class="pay-banner pay-banner-processing">
+				<div class="pay-banner-icon">
+					<Icon name="infoCircle" size="sm" />
+				</div>
+				<div class="flex-1">
+					<p class="text-sm font-semibold">支付结果确认中</p>
+					<p class="text-xs opacity-80 mt-0.5">正在等待到账，余额会在确认后自动更新</p>
+				</div>
+				<button class="opacity-60 hover:opacity-100 transition-opacity p-1" @click="payResult = ''">
+					<Icon name="x" size="sm" />
+				</button>
+			</div>
 		</transition>
 
 		<!-- ============================================ -->
@@ -713,6 +733,17 @@ onBeforeUnmount(() => {
 	display: flex; align-items: center; justify-content: center;
 	flex-shrink: 0; color: #dc2626;
 }
+.pay-banner-processing {
+	background-color: #fffbeb;
+	border: 1px solid rgba(252, 211, 77, 0.6);
+	color: #92400e;
+}
+.pay-banner-processing .pay-banner-icon {
+	height: 2rem; width: 2rem; border-radius: 9999px;
+	background-color: #fef3c7;
+	display: flex; align-items: center; justify-content: center;
+	flex-shrink: 0; color: #d97706;
+}
 
 /* ==========================================
    Balance Hero Card