diff --git a/backend/app/api/endpoints/finance.py b/backend/app/api/endpoints/finance.py
index ee6edbb..7ee069f 100644
--- a/backend/app/api/endpoints/finance.py
+++ b/backend/app/api/endpoints/finance.py
@@ -29,6 +29,30 @@ def summary():
         db.close()
 
 
+@router.get("/plans")
+def token_plans():
+    db = _session()
+    try:
+        return ApiResponse(data=finance_service.list_token_plans(db))
+    finally:
+        db.close()
+
+
+@router.patch("/plans/{plan_id}")
+def update_token_plan(plan_id: str, body: dict = Body(...)):
+    db = _session()
+    try:
+        finance_service.update_token_plan(
+            db, plan_id, amount=int(body.get("amount") or 0), price=float(body.get("price") or 0),
+            name=str(body.get("name") or ""), badge=str(body.get("badge") or ""), desc=str(body.get("desc") or ""),
+        )
+        return ApiResponse(message="充值套餐已更新")
+    except (ValueError, FinanceServiceError) as exc:
+        _raise(exc if isinstance(exc, FinanceServiceError) else FinanceServiceError("积分和价格格式不正确"))
+    finally:
+        db.close()
+
+
 @router.get("/orders")
 def orders(
     page: int = Query(1, ge=1),
diff --git a/backend/app/services/finance_service.py b/backend/app/services/finance_service.py
index 519629c..479dbc8 100644
--- a/backend/app/services/finance_service.py
+++ b/backend/app/services/finance_service.py
@@ -28,6 +28,23 @@ def _money(cents):
 
 
 class FinanceService:
+    @staticmethod
+    def list_token_plans(db):
+        rows = db.execute(text('SELECT id,name,amount,price,badge,"desc",virtual_product_id FROM token_plans ORDER BY price ASC')).fetchall()
+        return [dict(row._mapping) for row in rows]
+
+    @staticmethod
+    def update_token_plan(db, plan_id: str, *, amount: int, price: float, name: str, badge: str, desc: str):
+        if amount <= 0 or price < 0 or not name.strip():
+            raise FinanceServiceError("套餐名称、正数积分和非负价格不正确")
+        result = db.execute(text('''UPDATE token_plans SET name=:name,amount=:amount,price=:price,badge=:badge,"desc"=:desc WHERE id=:id'''), {
+            "id": plan_id, "name": name.strip()[:80], "amount": amount, "price": price,
+            "badge": badge.strip()[:80], "desc": desc.strip()[:200],
+        })
+        if result.rowcount == 0:
+            raise FinanceServiceError("充值套餐不存在", 404)
+        db.commit()
+
     @staticmethod
     def _tables_ready(db) -> bool:
         names = {
diff --git a/digital-avatar-app/src/views/TokenCharge.vue b/digital-avatar-app/src/views/TokenCharge.vue
index 3ef8e3e..1b5fe94 100644
--- a/digital-avatar-app/src/views/TokenCharge.vue
+++ b/digital-avatar-app/src/views/TokenCharge.vue
@@ -37,29 +37,7 @@
       </div>
     </section>
 
-    <!-- 支付方式 -->
     <section class="payment-section">
-      <h3 class="section-title">支付方式</h3>
-      <div class="payment-list">
-        <div
-          class="payment-card"
-          :class="{ selected: paymentMethod === 'wechat' }"
-          @click="paymentMethod = 'wechat'"
-        >
-          <span class="payment-icon wechat-icon"><img :src="wechatPayIcon" alt="" /></span>
-          <span class="payment-name">微信支付</span>
-          <span class="payment-check" v-if="paymentMethod === 'wechat'">✓</span>
-        </div>
-        <div
-          class="payment-card"
-          :class="{ selected: paymentMethod === 'alipay' }"
-          @click="paymentMethod = 'alipay'"
-        >
-          <span class="payment-icon alipay-icon"><img :src="alipayIcon" alt="" /></span>
-          <span class="payment-name">支付宝</span>
-          <span class="payment-check" v-if="paymentMethod === 'alipay'">✓</span>
-        </div>
-      </div>
       <p v-if="paymentNotice" class="payment-notice" :class="paymentNoticeTone">{{ paymentNotice }}</p>
     </section>
 
@@ -119,8 +97,6 @@ import {
   type TokenPaymentOrder
 } from '@/api'
 import { isInUniWebView, onNativeMessage } from '@/utils/uniapp-bridge'
-import wechatPayIcon from '@/assets/wechat-pay.svg'
-import alipayIcon from '@/assets/alipay.svg'
 
 const router = useRouter()
 
@@ -141,7 +117,7 @@ const plans = ref<Array<{
 const selectedPlan = ref<any>(null)
 
 // 支付方式
-const paymentMethod = ref<'wechat' | 'alipay'>('wechat')
+const paymentMethod = 'wechat'
 const paymentNotice = ref('')
 const paymentNoticeTone = ref<'pending' | 'success' | 'error'>('pending')
 const pendingOrderId = ref(sessionStorage.getItem('hh_pending_payment_order') || '')
diff --git a/frontend/src/api/index.js b/frontend/src/api/index.js
index ca8c925..c6d3949 100644
--- a/frontend/src/api/index.js
+++ b/frontend/src/api/index.js
@@ -96,6 +96,8 @@ export const uploadAvatarPhoto = (id, formData) => request.post(`/avatars/${id}/
 
 // Finance (数字分身积分订单)
 export const getFinanceSummary = () => request.get('/finance/summary')
+export const getFinancePlans = () => request.get('/finance/plans')
+export const updateFinancePlan = (id, data) => request.patch(`/finance/plans/${id}`, data)
 export const getFinanceOrders = (params) => request.get('/finance/orders', { params })
 export const updateFinanceOrderStatus = (orderNo, data) => request.patch(`/finance/orders/${orderNo}/status`, data)
 export const requestFinanceRefund = (orderNo, data) => request.post(`/finance/orders/${orderNo}/refund`, data)
diff --git a/frontend/src/views/Finance.vue b/frontend/src/views/Finance.vue
index c7b718b..d5bc11a 100644
--- a/frontend/src/views/Finance.vue
+++ b/frontend/src/views/Finance.vue
@@ -16,6 +16,16 @@
     </div>
 
     <el-tabs v-model="activeTab" class="finance-tabs" @tab-change="loadActive">
+      <el-tab-pane label="充值套餐" name="plans">
+        <el-table :data="plans" v-loading="loading" class="data-table">
+          <el-table-column label="套餐名称" prop="name" min-width="150" />
+          <el-table-column label="积分" min-width="160"><template #default="{ row }">{{ Number(row.amount).toLocaleString() }}</template></el-table-column>
+          <el-table-column label="价格" width="140"><template #default="{ row }">¥{{ money(row.price) }}</template></el-table-column>
+          <el-table-column label="标签" prop="badge" min-width="120" />
+          <el-table-column label="说明" prop="desc" min-width="180" />
+          <el-table-column label="操作" width="100"><template #default="{ row }"><el-button link type="primary" @click="editPlan(row)">调整</el-button></template></el-table-column>
+        </el-table>
+      </el-tab-pane>
       <el-tab-pane label="支付订单" name="orders">
         <div class="filter-bar">
           <el-input v-model="filters.keyword" placeholder="订单号、昵称或手机号" clearable style="width:240px" @keyup.enter="loadOrders" />
@@ -23,13 +33,13 @@
             <el-option v-for="item in orderStatuses" :key="item.value" :label="item.label" :value="item.value" />
           </el-select>
           <el-select v-model="filters.provider" placeholder="支付渠道" clearable style="width:150px" @change="loadOrders">
-            <el-option label="会会支付" value="huihui" /><el-option label="微信虚拟支付" value="wechat_virtual" />
+            <el-option label="会会支付" value="huihui" /><el-option label="会会组织支付" value="huihui_org" /><el-option label="微信虚拟支付" value="wechat_virtual" />
           </el-select>
           <el-button type="primary" @click="loadOrders">查询</el-button>
         </div>
         <el-table :data="orders" v-loading="loading" class="data-table">
-          <el-table-column label="订单 / 用户" min-width="230">
-            <template #default="{ row }"><b>{{ row.order_no }}</b><div class="muted">{{ row.user_nickname || '会会用户' }} · {{ row.user_phone || '--' }}</div></template>
+          <el-table-column label="订单 / 用户" min-width="260">
+            <template #default="{ row }"><b>{{ row.order_no }}</b><div class="muted">支付编号：{{ row.provider_order_no || '--' }}</div><div class="muted">{{ row.user_nickname || '会会用户' }} · {{ row.user_phone || '--' }}</div></template>
           </el-table-column>
           <el-table-column label="套餐积分" width="130"><template #default="{ row }">{{ Number(row.points_amount || 0).toLocaleString() }}</template></el-table-column>
           <el-table-column label="金额" width="100"><template #default="{ row }">¥{{ money(row.price) }}</template></el-table-column>
@@ -87,25 +97,37 @@
       </el-form>
       <template #footer><el-button @click="invoiceDialog=false">取消</el-button><el-button type="primary" :loading="saving" @click="issueInvoice">确认开具</el-button></template>
     </el-dialog>
+    <el-dialog v-model="planDialog" title="调整充值套餐" width="480px">
+      <el-form label-width="90px">
+        <el-form-item label="套餐名称"><el-input v-model="planForm.name" maxlength="80" /></el-form-item>
+        <el-form-item label="积分数量"><el-input-number v-model="planForm.amount" :min="1" :step="10000" /></el-form-item>
+        <el-form-item label="套餐价格"><el-input-number v-model="planForm.price" :min="0" :precision="2" :step="1" /></el-form-item>
+        <el-form-item label="标签"><el-input v-model="planForm.badge" maxlength="80" /></el-form-item>
+        <el-form-item label="说明"><el-input v-model="planForm.desc" maxlength="200" /></el-form-item>
+      </el-form>
+      <template #footer><el-button @click="planDialog=false">取消</el-button><el-button type="primary" :loading="saving" @click="savePlan">保存</el-button></template>
+    </el-dialog>
   </div>
 </template>
 
 <script setup>
 import { onMounted, ref } from 'vue'
 import { ElMessage, ElMessageBox } from 'element-plus'
-import { confirmFinanceRefund, getFinanceInvoices, getFinanceOrders, getFinanceRefunds, getFinanceSummary, requestFinanceRefund, updateFinanceInvoice, updateFinanceOrderStatus } from '@/api'
+import { confirmFinanceRefund, getFinanceInvoices, getFinanceOrders, getFinancePlans, getFinanceRefunds, getFinanceSummary, requestFinanceRefund, updateFinanceInvoice, updateFinanceOrderStatus, updateFinancePlan } from '@/api'
 
 const activeTab = ref('orders')
 const loading = ref(false)
 const saving = ref(false)
 const summary = ref({ paid_revenue: 0, paid_orders: 0, pending_orders: 0, processing_refunds: 0, pending_invoices: 0 })
 const orders = ref([]), refunds = ref([]), invoices = ref([])
+const plans = ref([]), planDialog = ref(false), currentPlan = ref(null)
+const planForm = ref({ name: '', amount: 1, price: 0, badge: '', desc: '' })
 const orderPage = ref(1), orderTotal = ref(0)
 const filters = ref({ keyword: '', status: '', provider: '' })
 const invoiceDialog = ref(false), currentInvoice = ref(null)
 const invoiceForm = ref({ invoiceNo: '', invoiceUrl: '', remark: '' })
 const orderStatuses = [{ label: '待支付', value: 'pending' }, { label: '已支付', value: 'paid' }, { label: '失败', value: 'failed' }, { label: '已关闭', value: 'closed' }, { label: '已退款', value: 'refunded' }]
-const providerLabel = { huihui: '会会支付', wechat_virtual: '微信虚拟支付' }
+const providerLabel = { huihui: '会会支付', huihui_org: '会会组织支付', wechat_virtual: '微信虚拟支付' }
 const statusLabel = { pending: '待处理', processing: '处理中', paid: '已支付', succeeded: '已成功', failed: '失败', closed: '已关闭', refunded: '已退款' }
 const invoiceStatusLabel = { pending: '待开具', issued: '已开具', rejected: '已驳回' }
 const money = value => Number(value || 0).toFixed(2)
@@ -113,11 +135,14 @@ const dateTime = value => value ? new Date(value).toLocaleString('zh-CN', { hour
 const tagType = value => ({ paid: 'success', succeeded: 'success', issued: 'success', pending: 'warning', processing: 'warning', failed: 'danger', rejected: 'danger', refunded: 'info', closed: 'info' }[value] || 'info')
 
 async function loadSummary() { const res = await getFinanceSummary(); summary.value = res.data || summary.value }
+async function loadPlans() { const res = await getFinancePlans(); plans.value = res.data || [] }
 async function loadOrders() { const res = await getFinanceOrders({ page: orderPage.value, page_size: 20, ...filters.value }); orders.value = res.data?.items || []; orderTotal.value = res.data?.total || 0 }
 async function loadRefunds() { const res = await getFinanceRefunds({ page: 1, page_size: 100 }); refunds.value = res.data?.items || [] }
 async function loadInvoices() { const res = await getFinanceInvoices({ page: 1, page_size: 100 }); invoices.value = res.data?.items || [] }
-async function loadActive() { loading.value = true; try { if (activeTab.value === 'orders') await loadOrders(); if (activeTab.value === 'refunds') await loadRefunds(); if (activeTab.value === 'invoices') await loadInvoices() } finally { loading.value = false } }
-async function loadAll() { loading.value = true; try { await Promise.all([loadSummary(), loadOrders(), loadRefunds(), loadInvoices()]) } finally { loading.value = false } }
+async function loadActive() { loading.value = true; try { if (activeTab.value === 'plans') await loadPlans(); if (activeTab.value === 'orders') await loadOrders(); if (activeTab.value === 'refunds') await loadRefunds(); if (activeTab.value === 'invoices') await loadInvoices() } finally { loading.value = false } }
+async function loadAll() { loading.value = true; try { await Promise.all([loadSummary(), loadPlans(), loadOrders(), loadRefunds(), loadInvoices()]) } finally { loading.value = false } }
+function editPlan(row) { currentPlan.value = row; planForm.value = { name: row.name, amount: Number(row.amount), price: Number(row.price), badge: row.badge || '', desc: row.desc || '' }; planDialog.value = true }
+async function savePlan() { if (!currentPlan.value) return; saving.value = true; try { await updateFinancePlan(currentPlan.value.id, planForm.value); ElMessage.success('充值套餐已更新'); planDialog.value = false; await loadPlans() } finally { saving.value = false } }
 
 async function refund(row) {
   try { const { value } = await ElMessageBox.prompt('退款成功后会扣回本订单发放的全部积分。', `退款 ¥${money(row.price)}`, { inputPlaceholder: '请输入退款原因', inputValidator: value => value?.trim() ? true : '退款原因不能为空', confirmButtonText: '提交退款', cancelButtonText: '取消' }); await requestFinanceRefund(row.order_no, { reason: value, operator: '后台管理员' }); ElMessage.success('退款已提交渠道处理'); await loadAll() } catch (error) { if (error !== 'cancel' && error !== 'close') console.error(error) }