diff --git a/api/tenant/v1/order_tenant.go b/api/tenant/v1/order_tenant.go
index 0f6a447..8b3397a 100644
--- a/api/tenant/v1/order_tenant.go
+++ b/api/tenant/v1/order_tenant.go
@@ -119,6 +119,7 @@ type TenantPaymentInfoRes struct {
 	AmountDiscount map[int]float64  `json:"amount_discount,omitempty"`
 	MinTopUp       int              `json:"min_topup,omitempty"`
 	Currency       string           `json:"currency,omitempty"`
+	PaymentNotice  string           `json:"payment_notice,omitempty"`
 }
 
 // TenantOrderExportReq 导出订单列表请求
diff --git a/internal/logic/common/settings_registry.go b/internal/logic/common/settings_registry.go
index 76ad4f0..673c249 100644
--- a/internal/logic/common/settings_registry.go
+++ b/internal/logic/common/settings_registry.go
@@ -158,6 +158,8 @@ var Registry = []SettingDef{
 		Label: "支付回调基础URL", Description: "为空则使用请求 Host"},
 	{Key: "payment_exchange_rate_cny_to_usd", Type: SettingTypeFloat, Default: "0.14", Category: "payment",
 		Label: "CNY → USD 兑换比例", Description: "1 人民币兑换多少美元（USD → CNY 自动取倒数，确保往返闭合）", Validation: "min:0.001,max:100"},
+	{Key: "payment_notice", Type: SettingTypeString, Default: "", Category: "payment",
+		Label: "支付说明", Description: "展示在租户端钱包充值页的说明文案，支持纯文本或 HTML 代码（如提示充值后不支持退款、指定渠道折扣活动等）。纯文本换行需用 <br>，富文本请直接粘贴 HTML"},
 
 	// ── Performance ──
 	{Key: "global_qps_limit", Type: SettingTypeInt, Default: "10000", Category: "performance",
diff --git a/internal/logic/tenant/order.go b/internal/logic/tenant/order.go
index e94a9d1..16903cf 100644
--- a/internal/logic/tenant/order.go
+++ b/internal/logic/tenant/order.go
@@ -309,6 +309,8 @@ func (s *sTenant) PaymentInfo(ctx context.Context, req *v1.TenantPaymentInfoReq)
 		res.MinTopUp = int(settings.MinTopUp)
 		res.Currency = settings.Currency
 	}
+	// 支付说明由管理员在「系统设置-支付配置」配置，支持纯文本或 HTML，原样下发由前端渲染
+	res.PaymentNotice = lcommon.Config().GetString(ctx, "payment_notice")
 
 	return res, nil
 }
diff --git a/web/admin/src/views/system/settings/PaymentTab.vue b/web/admin/src/views/system/settings/PaymentTab.vue
index 2560092..0c6490f 100644
--- a/web/admin/src/views/system/settings/PaymentTab.vue
+++ b/web/admin/src/views/system/settings/PaymentTab.vue
@@ -86,6 +86,24 @@ function updateCnyToUsd(usdToCny: number | undefined) {
 				</AFormItem>
 			</div>
 		</div>
+
+		<!-- 支付说明 -->
+		<div class="section">
+			<div class="section-title">支付说明</div>
+			<div class="section-grid">
+				<AFormItem
+					label="钱包页说明"
+					help="展示在租户端钱包充值页，支持纯文本或 HTML 代码（如提示充值后不支持退款、指定渠道折扣活动等）。纯文本换行需用 <br>"
+					class="field-full"
+				>
+					<ATextarea
+						v-model="values['payment_notice']"
+						:auto-size="{ minRows: 3, maxRows: 10 }"
+						placeholder="例如：充值后不支持退款；使用支付宝支付享 95 折；指定渠道优惠见说明..."
+					/>
+				</AFormItem>
+			</div>
+		</div>
 	</div>
 </template>
 
diff --git a/web/tenant/src/views/finance/WalletPage.vue b/web/tenant/src/views/finance/WalletPage.vue
index 75d2f57..be5347d 100644
--- a/web/tenant/src/views/finance/WalletPage.vue
+++ b/web/tenant/src/views/finance/WalletPage.vue
@@ -412,6 +412,13 @@ onBeforeUnmount(() => {
 							<Icon name="chevronRight" size="xs" class="text-slate-300" />
 						</div>
 					</button>
+
+					<!-- 支付说明（管理员配置，支持纯文本或 HTML） -->
+					<div v-if="paymentInfo?.payment_notice" class="payment-notice mt-3">
+						<Icon name="infoCircle" size="xs" class="mt-0.5 flex-shrink-0" />
+						<!-- 内容由平台管理员配置，信任来源，支持 HTML 渲染 -->
+						<div v-html="paymentInfo.payment_notice" class="payment-notice-content"></div>
+					</div>
 				</template>
 			</div>
 
@@ -800,6 +807,28 @@ onBeforeUnmount(() => {
 	flex-shrink: 0; color: #d97706;
 }
 
+/* 支付说明（管理员配置，支持 HTML） */
+.payment-notice {
+	display: flex;
+	align-items: flex-start;
+	gap: 0.5rem;
+	border-radius: 0.75rem;
+	background: #fffbeb;
+	border: 1px solid rgba(252, 211, 77, 0.6);
+	padding: 0.75rem 1rem;
+	color: #92400e;
+}
+.payment-notice-content {
+	flex: 1;
+	min-width: 0;
+	font-size: 0.8125rem;
+	line-height: 1.6;
+}
+.payment-notice-content :deep(p) { margin: 0 0 0.5rem; }
+.payment-notice-content :deep(p:last-child) { margin-bottom: 0; }
+.payment-notice-content :deep(a) { color: inherit; text-decoration: underline; }
+.payment-notice-content :deep(strong) { font-weight: 600; }
+
 .wallet-card {
 	background: rgba(255, 255, 255, 0.94);
 }