diff --git a/src/main/java/com/gxwebsoft/common/core/service/PaymentCacheService.java b/src/main/java/com/gxwebsoft/common/core/service/PaymentCacheService.java
new file mode 100644
index 0000000..64c44be
--- /dev/null
+++ b/src/main/java/com/gxwebsoft/common/core/service/PaymentCacheService.java
@@ -0,0 +1,130 @@
+package com.gxwebsoft.common.core.service;
+
+import cn.hutool.core.util.ObjectUtil;
+import com.gxwebsoft.common.core.exception.BusinessException;
+import com.gxwebsoft.common.core.utils.RedisUtil;
+import com.gxwebsoft.common.system.entity.Payment;
+import com.gxwebsoft.common.system.param.PaymentParam;
+import com.gxwebsoft.common.system.service.PaymentService;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+
+import java.util.List;
+
+/**
+ * 支付配置缓存服务
+ * 统一管理支付配置的缓存读取，支持 Payment:1* 格式
+ *
+ * @author 科技小王子
+ * @since 2025-07-27
+ */
+@Slf4j
+@Service
+public class PaymentCacheService {
+
+    @Autowired
+    private RedisUtil redisUtil;
+
+    @Autowired
+    private PaymentService paymentService;
+
+    /**
+     * 根据支付类型获取支付配置
+     * 优先从 Payment:1{payType} 格式的缓存读取
+     *
+     * @param payType 支付类型 (0=微信支付, 1=支付宝, 2=其他)
+     * @param tenantId 租户ID (用于兜底查询)
+     * @return Payment 支付配置
+     */
+    public Payment getPaymentConfig(Integer payType, Integer tenantId) {
+        // 1. 优先使用 Payment:1{payType} 格式的缓存键
+        String primaryKey = "Payment:1" + payType;
+        Payment payment = redisUtil.get(primaryKey, Payment.class);
+
+        if (ObjectUtil.isNotEmpty(payment)) {
+            log.debug("从缓存获取支付配置成功: {}", primaryKey);
+            return payment;
+        }
+
+        // 2. 如果 Payment:1* 格式不存在，尝试原有格式
+        String fallbackKey = "Payment:" + payType + ":" + tenantId;
+        payment = redisUtil.get(fallbackKey, Payment.class);
+
+        if (ObjectUtil.isNotEmpty(payment)) {
+            log.debug("从兜底缓存获取支付配置成功: {}", fallbackKey);
+            // 将查询结果缓存到 Payment:1* 格式
+            redisUtil.set(primaryKey, payment);
+            return payment;
+        }
+
+        // 3. 最后从数据库查询
+        log.debug("从数据库查询支付配置, payType: {}, tenantId: {}", payType, tenantId);
+        PaymentParam paymentParam = new PaymentParam();
+        paymentParam.setType(payType);
+        List<Payment> payments = paymentService.listRel(paymentParam);
+
+        if (payments.isEmpty()) {
+            throw new BusinessException("请完成支付配置，支付类型: " + payType);
+        }
+
+        Payment dbPayment = payments.get(0);
+        // 将查询结果缓存到 Payment:1* 格式
+        redisUtil.set(primaryKey, dbPayment);
+        log.debug("支付配置已缓存到: {}", primaryKey);
+
+        return dbPayment;
+    }
+
+    /**
+     * 缓存支付配置
+     * 同时缓存到 Payment:1{payType} 和原有格式
+     *
+     * @param payment 支付配置
+     * @param tenantId 租户ID
+     */
+    public void cachePaymentConfig(Payment payment, Integer tenantId) {
+        // 缓存到 Payment:1* 格式
+        String primaryKey = "Payment:1" + payment.getCode();
+        redisUtil.set(primaryKey, payment);
+        log.debug("支付配置已缓存到: {}", primaryKey);
+
+        // 兼容原有格式
+        String legacyKey = "Payment:" + payment.getCode() + ":" + tenantId;
+        redisUtil.set(legacyKey, payment);
+        log.debug("支付配置已缓存到兼容格式: {}", legacyKey);
+    }
+
+    /**
+     * 删除支付配置缓存
+     * 同时删除 Payment:1{payType} 和原有格式
+     *
+     * @param paymentCode 支付代码 (可以是String或Integer)
+     * @param tenantId 租户ID
+     */
+    public void removePaymentConfig(String paymentCode, Integer tenantId) {
+        // 删除 Payment:1* 格式缓存
+        String primaryKey = "Payment:1" + paymentCode;
+        redisUtil.delete(primaryKey);
+        log.debug("已删除支付配置缓存: {}", primaryKey);
+
+        // 删除原有格式缓存
+        String legacyKey = "Payment:" + paymentCode + ":" + tenantId;
+        redisUtil.delete(legacyKey);
+        log.debug("已删除兼容格式缓存: {}", legacyKey);
+    }
+
+    /**
+     * 获取微信支付配置 (payType = 0)
+     */
+    public Payment getWechatPayConfig(Integer tenantId) {
+        return getPaymentConfig(0, tenantId);
+    }
+
+    /**
+     * 获取支付宝配置 (payType = 1)
+     */
+    public Payment getAlipayConfig(Integer tenantId) {
+        return getPaymentConfig(1, tenantId);
+    }
+}