diff --git a/backend/internal/api/handlers/payment.go b/backend/internal/api/handlers/payment.go
index 8bfd931..667a99b 100644
--- a/backend/internal/api/handlers/payment.go
+++ b/backend/internal/api/handlers/payment.go
@@ -73,26 +73,34 @@ func (h *PaymentHandler) CreatePayment(c *gin.Context) {
 	}
 
 	// 根据订单支付方式获取对应的支付通道
-	paymentType := order.PaymentMethod
-	if paymentType == "" {
-		paymentType = "bepusdt" // 默认使用 bepusdt
+	paymentMethod := order.PaymentMethod
+	if paymentMethod == "" {
+		paymentMethod = "usdt" // 默认
 	}
 
-	// 如果是 hashpay，调用 HashPay 支付
-	if paymentType == "hashpay" {
-		h.CreateHashPayPayment(c)
-		return
-	}
-
-	// BepUsdt 支付流程
+	// 先通过 code 查找支付通道
 	var channels []models.PaymentChannel
-	utils.DB.Where("is_enabled = ? AND type = ?", true, paymentType).Order("sort_order ASC").Find(&channels)
+	utils.DB.Where("is_enabled = ? AND code = ?", true, paymentMethod).Order("sort_order ASC").Find(&channels)
+
+	// 如果没找到，尝试通过 type 查找
+	if len(channels) == 0 {
+		utils.DB.Where("is_enabled = ? AND type = ?", true, paymentMethod).Order("sort_order ASC").Find(&channels)
+	}
+
 	if len(channels) == 0 {
 		c.JSON(http.StatusBadRequest, gin.H{"error": "No available payment channel"})
 		return
 	}
 
 	channel := channels[0]
+
+	// 如果是 hashpay，调用 HashPay 支付
+	if channel.Type == "hashpay" {
+		h.CreateHashPayPayment(c)
+		return
+	}
+
+	// BepUsdt 支付流程
 	config := parseChannelConfig(channel.Config)
 
 	apiURL := strings.TrimSuffix(config["bepusdt_api_url"], "/")