diff --git a/frontend/src/components/payment/PaymentMethodSelector.vue b/frontend/src/components/payment/PaymentMethodSelector.vue
index a88f91f2e5..2c02340ed4 100644
--- a/frontend/src/components/payment/PaymentMethodSelector.vue
+++ b/frontend/src/components/payment/PaymentMethodSelector.vue
@@ -39,7 +39,7 @@
 <script setup lang="ts">
 import { computed } from 'vue'
 import { useI18n } from 'vue-i18n'
-import { METHOD_ORDER } from './providerConfig'
+import { METHOD_ORDER, isBuiltInAlipayMethod, isBuiltInWxpayMethod } from './providerConfig'
 import alipayIcon from '@/assets/icons/alipay.svg'
 import wxpayIcon from '@/assets/icons/wxpay.svg'
 import stripeIcon from '@/assets/icons/stripe.svg'
@@ -82,8 +82,8 @@ const sortedMethods = computed(() => {
 })
 
 function methodIcon(type: string): string {
-  if (isAlipayMethod(type)) return METHOD_ICONS.alipay
-  if (isWxpayMethod(type)) return METHOD_ICONS.wxpay
+  if (isBuiltInAlipayMethod(type)) return METHOD_ICONS.alipay
+  if (isBuiltInWxpayMethod(type)) return METHOD_ICONS.wxpay
   if (type === 'airwallex') return METHOD_ICONS.airwallex
   return METHOD_ICONS[type] || paymentIcon
 }
@@ -93,18 +93,10 @@ function methodLabel(method: PaymentMethodOption): string {
 }
 
 function methodSelectedClass(type: string): string {
-  if (isAlipayMethod(type)) return 'border-[#02A9F1] bg-blue-50 text-gray-900 shadow-sm dark:bg-blue-950 dark:text-gray-100'
-  if (isWxpayMethod(type)) return 'border-[#09BB07] bg-green-50 text-gray-900 shadow-sm dark:bg-green-950 dark:text-gray-100'
+  if (isBuiltInAlipayMethod(type)) return 'border-[#02A9F1] bg-blue-50 text-gray-900 shadow-sm dark:bg-blue-950 dark:text-gray-100'
+  if (isBuiltInWxpayMethod(type)) return 'border-[#09BB07] bg-green-50 text-gray-900 shadow-sm dark:bg-green-950 dark:text-gray-100'
   if (type === 'stripe') return 'border-[#676BE5] bg-indigo-50 text-gray-900 shadow-sm dark:bg-indigo-950 dark:text-gray-100'
   if (type === 'airwallex') return 'border-[#FF6B3D] bg-orange-50 text-gray-900 shadow-sm dark:border-[#FF8E3C] dark:bg-orange-950 dark:text-gray-100'
   return 'border-primary-500 bg-primary-50 text-gray-900 shadow-sm dark:bg-primary-950 dark:text-gray-100'
 }
-
-function isAlipayMethod(type: string): boolean {
-  return type === 'alipay' || type === 'alipay_direct'
-}
-
-function isWxpayMethod(type: string): boolean {
-  return type === 'wxpay' || type === 'wxpay_direct'
-}
 </script>
diff --git a/frontend/src/components/payment/PaymentQRDialog.vue b/frontend/src/components/payment/PaymentQRDialog.vue
index f6278e93e0..7dff831a6a 100644
--- a/frontend/src/components/payment/PaymentQRDialog.vue
+++ b/frontend/src/components/payment/PaymentQRDialog.vue
@@ -79,7 +79,7 @@ import { usePaymentStore } from '@/stores/payment'
 import { useAppStore } from '@/stores'
 import { paymentAPI } from '@/api/payment'
 import { extractI18nErrorMessage } from '@/utils/apiError'
-import { getPaymentPopupFeatures } from '@/components/payment/providerConfig'
+import { getPaymentPopupFeatures, isBuiltInAlipayMethod, isBuiltInWxpayMethod } from '@/components/payment/providerConfig'
 import type { PaymentOrder } from '@/types/payment'
 import { currencySymbol } from '@/components/payment/currency'
 import QRCode from 'qrcode'
@@ -122,8 +122,8 @@ let lastVerifyAt = 0
 const VERIFY_RETRY_INTERVAL_MS = 15000
 const VERIFY_RETRY_MAX_ATTEMPTS = 6
 
-const isAlipay = computed(() => props.paymentType.includes('alipay'))
-const isWxpay = computed(() => props.paymentType.includes('wxpay'))
+const isAlipay = computed(() => isBuiltInAlipayMethod(props.paymentType))
+const isWxpay = computed(() => isBuiltInWxpayMethod(props.paymentType))
 
 const dialogTitle = computed(() => {
   if (success.value) return t('payment.result.success')
diff --git a/frontend/src/components/payment/PaymentStatusPanel.vue b/frontend/src/components/payment/PaymentStatusPanel.vue
index d77db58a2f..c7232fd640 100644
--- a/frontend/src/components/payment/PaymentStatusPanel.vue
+++ b/frontend/src/components/payment/PaymentStatusPanel.vue
@@ -79,7 +79,7 @@
             <!-- Brand logo overlay -->
             <div class="pointer-events-none absolute inset-0 flex items-center justify-center">
               <span :class="['rounded-full p-2 shadow ring-2 ring-white', qrLogoBgClass]">
-                <img :src="isAlipay ? alipayIcon : wxpayIcon" alt="" class="h-5 w-5 brightness-0 invert" />
+                <img :src="qrLogoIcon" alt="" class="h-5 w-5 brightness-0 invert" />
               </span>
             </div>
           </div>
@@ -128,13 +128,14 @@ import { usePaymentStore } from '@/stores/payment'
 import { useAppStore } from '@/stores'
 import { paymentAPI } from '@/api/payment'
 import { extractI18nErrorMessage } from '@/utils/apiError'
-import { getPaymentPopupFeatures } from '@/components/payment/providerConfig'
+import { getPaymentPopupFeatures, isBuiltInAlipayMethod, isBuiltInWxpayMethod } from '@/components/payment/providerConfig'
 import { currencySymbol, formatPaymentAmount, normalizePaymentCurrency } from '@/components/payment/currency'
 import type { PaymentOrder } from '@/types/payment'
 import Icon from '@/components/icons/Icon.vue'
 import QRCode from 'qrcode'
 import alipayIcon from '@/assets/icons/alipay.svg'
 import wxpayIcon from '@/assets/icons/wxpay.svg'
+import paymentIcon from '@/assets/icons/payment.svg'
 
 const props = defineProps<{
   orderId: number
@@ -182,8 +183,8 @@ let lastVerifyAt = 0
 const VERIFY_RETRY_INTERVAL_MS = 15000
 const VERIFY_RETRY_MAX_ATTEMPTS = 6
 
-const isAlipay = computed(() => props.paymentType.includes('alipay'))
-const isWxpay = computed(() => props.paymentType.includes('wxpay'))
+const isAlipay = computed(() => isBuiltInAlipayMethod(props.paymentType))
+const isWxpay = computed(() => isBuiltInWxpayMethod(props.paymentType))
 
 const qrBorderClass = computed(() => {
   if (isAlipay.value) return 'border-[#00AEEF] bg-blue-50 dark:border-[#00AEEF]/70 dark:bg-blue-950/20'
@@ -197,6 +198,12 @@ const qrLogoBgClass = computed(() => {
   return 'bg-gray-400'
 })
 
+const qrLogoIcon = computed(() => {
+  if (isAlipay.value) return alipayIcon
+  if (isWxpay.value) return wxpayIcon
+  return paymentIcon
+})
+
 const scanTitle = computed(() => {
   if (isAlipay.value) return t('payment.qr.scanAlipay')
   if (isWxpay.value) return t('payment.qr.scanWxpay')
diff --git a/frontend/src/components/payment/__tests__/PaymentStatusPanel.spec.ts b/frontend/src/components/payment/__tests__/PaymentStatusPanel.spec.ts
index 7e39247831..d5919867c5 100644
--- a/frontend/src/components/payment/__tests__/PaymentStatusPanel.spec.ts
+++ b/frontend/src/components/payment/__tests__/PaymentStatusPanel.spec.ts
@@ -132,6 +132,28 @@ describe('PaymentStatusPanel', () => {
     openSpy.mockRestore()
   })
 
+  it('uses generic QR copy for custom methods that contain built-in names', async () => {
+    const wrapper = mount(PaymentStatusPanel, {
+      props: {
+        orderId: 42,
+        qrCode: 'https://pay.example.com/qr/42',
+        expiresAt: '2099-01-01T12:30:00Z',
+        paymentType: 'card_alipay',
+        orderType: 'balance',
+      },
+      global: {
+        stubs: {
+          Icon: true,
+        },
+      },
+    })
+
+    await flushPromises()
+
+    expect(wrapper.text()).toContain('payment.qr.scanToPay')
+    expect(wrapper.text()).not.toContain('payment.qr.scanAlipay')
+  })
+
   it('actively verifies a stuck pending order and settles it when upstream confirms payment', async () => {
     pollOrderStatus.mockResolvedValue(orderFactory('PENDING'))
     verifyOrder.mockResolvedValue({
diff --git a/frontend/src/components/payment/__tests__/providerConfig.spec.ts b/frontend/src/components/payment/__tests__/providerConfig.spec.ts
index 4c20ae725c..267693b5cb 100644
--- a/frontend/src/components/payment/__tests__/providerConfig.spec.ts
+++ b/frontend/src/components/payment/__tests__/providerConfig.spec.ts
@@ -2,6 +2,8 @@ import { describe, expect, it } from 'vitest'
 import {
   PAYMENT_CURRENCY_OPTIONS,
   PROVIDER_CONFIG_FIELDS,
+  isBuiltInAlipayMethod,
+  isBuiltInWxpayMethod,
   parseEasyPayCustomMethods,
   serializeEasyPayCustomMethods,
 } from '@/components/payment/providerConfig'
@@ -79,3 +81,15 @@ describe('EasyPay custom methods config', () => {
     expect(serializeEasyPayCustomMethods([{ type: '', upstreamType: 'epay', displayName: 'LDC' }])).toBe('')
   })
 })
+
+describe('built-in payment method helpers', () => {
+  it('only treats exact built-in aliases as Alipay or WeChat Pay', () => {
+    expect(isBuiltInAlipayMethod('alipay')).toBe(true)
+    expect(isBuiltInAlipayMethod('alipay_direct')).toBe(true)
+    expect(isBuiltInAlipayMethod('card_alipay')).toBe(false)
+
+    expect(isBuiltInWxpayMethod('wxpay')).toBe(true)
+    expect(isBuiltInWxpayMethod('wxpay_direct')).toBe(true)
+    expect(isBuiltInWxpayMethod('card_wxpay')).toBe(false)
+  })
+})
diff --git a/frontend/src/components/payment/providerConfig.ts b/frontend/src/components/payment/providerConfig.ts
index 203bfb6818..395c32725f 100644
--- a/frontend/src/components/payment/providerConfig.ts
+++ b/frontend/src/components/payment/providerConfig.ts
@@ -50,6 +50,14 @@ export const EASYPAY_PAYMENT_MODES = ['qrcode', 'popup'] as const
 /** Fixed display order for user-facing payment methods */
 export const METHOD_ORDER = ['alipay', 'alipay_direct', 'wxpay', 'wxpay_direct', 'stripe', 'airwallex'] as const
 
+export function isBuiltInAlipayMethod(type: string): boolean {
+  return type === 'alipay' || type === 'alipay_direct'
+}
+
+export function isBuiltInWxpayMethod(type: string): boolean {
+  return type === 'wxpay' || type === 'wxpay_direct'
+}
+
 /** Payment mode constants */
 export const PAYMENT_MODE_QRCODE = 'qrcode'
 export const PAYMENT_MODE_POPUP = 'popup'
diff --git a/frontend/src/views/user/PaymentQRCodeView.vue b/frontend/src/views/user/PaymentQRCodeView.vue
index f844858daf..5df67d0fe9 100644
--- a/frontend/src/views/user/PaymentQRCodeView.vue
+++ b/frontend/src/views/user/PaymentQRCodeView.vue
@@ -41,6 +41,7 @@ import { usePaymentStore } from '@/stores/payment'
 import { paymentAPI } from '@/api/payment'
 import { extractI18nErrorMessage } from '@/utils/apiError'
 import { useAppStore } from '@/stores'
+import { isBuiltInAlipayMethod, isBuiltInWxpayMethod } from '@/components/payment/providerConfig'
 import QRCode from 'qrcode'
 import alipayIcon from '@/assets/icons/alipay.svg'
 import wxpayIcon from '@/assets/icons/wxpay.svg'
@@ -69,8 +70,8 @@ const countdownDisplay = computed(() => {
   return m.toString().padStart(2, '0') + ':' + s.toString().padStart(2, '0')
 })
 
-const isAlipay = computed(() => paymentType.value.includes('alipay'))
-const isWxpay = computed(() => paymentType.value.includes('wxpay'))
+const isAlipay = computed(() => isBuiltInAlipayMethod(paymentType.value))
+const isWxpay = computed(() => isBuiltInWxpayMethod(paymentType.value))
 
 const scanTitle = computed(() => {
   if (isAlipay.value) return t('payment.qr.scanAlipay')
diff --git a/frontend/src/views/user/PaymentView.vue b/frontend/src/views/user/PaymentView.vue
index 6e29061013..6d1d2fd31e 100644
--- a/frontend/src/views/user/PaymentView.vue
+++ b/frontend/src/views/user/PaymentView.vue
@@ -267,7 +267,7 @@ import type { SubscriptionPlan, CheckoutInfoResponse, CreateOrderResult, OrderTy
 import AppLayout from '@/components/layout/AppLayout.vue'
 import AmountInput from '@/components/payment/AmountInput.vue'
 import PaymentMethodSelector from '@/components/payment/PaymentMethodSelector.vue'
-import { METHOD_ORDER, getPaymentPopupFeatures } from '@/components/payment/providerConfig'
+import { METHOD_ORDER, getPaymentPopupFeatures, isBuiltInAlipayMethod, isBuiltInWxpayMethod } from '@/components/payment/providerConfig'
 import {
   PAYMENT_RECOVERY_STORAGE_KEY,
   buildCreateOrderPayload,
@@ -697,8 +697,8 @@ watch(() => [validAmount.value, selectedMethod.value] as const, ([amt, method])
 const paymentButtonClass = computed(() => {
   const m = selectedMethod.value
   if (!m) return 'btn-primary'
-  if (m.includes('alipay')) return 'btn-alipay'
-  if (m.includes('wxpay')) return 'btn-wxpay'
+  if (isBuiltInAlipayMethod(m)) return 'btn-alipay'
+  if (isBuiltInWxpayMethod(m)) return 'btn-wxpay'
   if (m === 'stripe') return 'btn-stripe'
   if (m === 'airwallex') return 'btn-airwallex'
   return 'btn-primary'