diff --git a/backend/internal/service/payment_amounts.go b/backend/internal/service/payment_amounts.go
index f0c49905a4..a7f620d33e 100644
--- a/backend/internal/service/payment_amounts.go
+++ b/backend/internal/service/payment_amounts.go
@@ -23,14 +23,6 @@ func calculateCreditedBalance(paymentAmount, multiplier float64) float64 {
 		InexactFloat64()
 }
 
-func calculateGatewayPaymentAmount(orderAmount, multiplier float64, currency string) float64 {
-	fractionDigits := int32(payment.CurrencyMaxFractionDigits(currency))
-	return decimal.NewFromFloat(orderAmount).
-		Div(decimal.NewFromFloat(normalizeBalanceRechargeMultiplier(multiplier))).
-		Round(fractionDigits).
-		InexactFloat64()
-}
-
 func calculateGatewayRefundAmount(orderAmount, payAmount, refundAmount float64, currency string) float64 {
 	if orderAmount <= 0 || payAmount <= 0 || refundAmount <= 0 {
 		return 0
diff --git a/backend/internal/service/payment_order.go b/backend/internal/service/payment_order.go
index 6170819d48..29fe40b1b6 100644
--- a/backend/internal/service/payment_order.go
+++ b/backend/internal/service/payment_order.go
@@ -67,7 +67,8 @@ func (s *PaymentService) CreateOrder(ctx context.Context, req CreateOrderRequest
 			return nil, err
 		}
 	}
-	payAmountStr, payAmount, err := calculateCreateOrderPayAmountForOrder(req.OrderType, limitAmount, feeRate, cfg.BalanceRechargeMultiplier, methodCurrency)
+	// 订阅套餐 price 是直付价，余额充值倍率只影响余额充值到账，不参与订阅 pay_amount 计算。
+	payAmountStr, payAmount, err := calculateCreateOrderPayAmount(limitAmount, feeRate, methodCurrency)
 	if err != nil {
 		return nil, err
 	}
@@ -83,7 +84,7 @@ func (s *PaymentService) CreateOrder(ctx context.Context, req CreateOrderRequest
 		selectedCurrency = paymentProviderConfigCurrency(sel.ProviderKey, sel.Config)
 	}
 	if selectedCurrency != methodCurrency {
-		payAmountStr, payAmount, err = calculateCreateOrderPayAmountForOrder(req.OrderType, limitAmount, feeRate, cfg.BalanceRechargeMultiplier, selectedCurrency)
+		payAmountStr, payAmount, err = calculateCreateOrderPayAmount(limitAmount, feeRate, selectedCurrency)
 		if err != nil {
 			return nil, err
 		}
@@ -612,19 +613,6 @@ func calculateCreateOrderPayAmount(limitAmount, feeRate float64, currency string
 	return payAmountStr, payAmount, nil
 }
 
-func calculateCreateOrderPayAmountForOrder(orderType string, limitAmount, feeRate, multiplier float64, currency string) (string, float64, error) {
-	paymentAmount := calculateCreateOrderPaymentAmount(orderType, limitAmount, multiplier, currency)
-	return calculateCreateOrderPayAmount(paymentAmount, feeRate, currency)
-}
-
-func calculateCreateOrderPaymentAmount(orderType string, limitAmount, multiplier float64, currency string) float64 {
-	normalizedCurrency, err := payment.NormalizePaymentCurrency(currency)
-	if err != nil || normalizedCurrency != payment.DefaultPaymentCurrency || orderType != payment.OrderTypeSubscription {
-		return limitAmount
-	}
-	return calculateGatewayPaymentAmount(limitAmount, multiplier, normalizedCurrency)
-}
-
 func validateCreateOrderAmountCurrency(amount float64, currency string) error {
 	amountStr := strconv.FormatFloat(amount, 'f', -1, 64)
 	if _, err := payment.AmountToMinorUnit(amountStr, currency); err != nil {
diff --git a/backend/internal/service/payment_order_result_test.go b/backend/internal/service/payment_order_result_test.go
index ce5b2d8335..b7545ee45d 100644
--- a/backend/internal/service/payment_order_result_test.go
+++ b/backend/internal/service/payment_order_result_test.go
@@ -126,69 +126,41 @@ func TestCalculateCreateOrderPayAmountUsesCurrencyPrecision(t *testing.T) {
 	}
 }
 
-func TestCalculateCreateOrderPayAmountForSubscriptionAppliesCNYMultiplier(t *testing.T) {
+func TestCalculateCreateOrderPayAmountForSubscriptionKeepsDirectPrice(t *testing.T) {
 	t.Parallel()
 
-	amountStr, amount, err := calculateCreateOrderPayAmountForOrder(payment.OrderTypeSubscription, 7.99, 0, 0.14, "CNY")
+	amountStr, amount, err := calculateCreateOrderPayAmount(5, 0, "CNY")
 	if err != nil {
 		t.Fatalf("unexpected error: %v", err)
 	}
-	if amountStr != "57.07" || amount != 57.07 {
-		t.Fatalf("subscription CNY pay amount = (%q, %v), want (57.07, 57.07)", amountStr, amount)
+	if amountStr != "5.00" || amount != 5 {
+		t.Fatalf("subscription CNY pay amount = (%q, %v), want (5.00, 5)", amountStr, amount)
 	}
 }
 
-func TestCalculateCreateOrderPayAmountForSubscriptionDefaultMultiplierKeepsPrice(t *testing.T) {
+func TestCalculateCreateOrderPayAmountForSubscriptionAppliesFeeToDirectPrice(t *testing.T) {
 	t.Parallel()
 
-	for _, multiplier := range []float64{0, 1} {
-		amountStr, amount, err := calculateCreateOrderPayAmountForOrder(payment.OrderTypeSubscription, 7.99, 0, multiplier, "CNY")
-		if err != nil {
-			t.Fatalf("unexpected error for multiplier %v: %v", multiplier, err)
-		}
-		if amountStr != "7.99" || amount != 7.99 {
-			t.Fatalf("multiplier %v pay amount = (%q, %v), want (7.99, 7.99)", multiplier, amountStr, amount)
-		}
-	}
-}
-
-func TestCalculateCreateOrderPayAmountForSubscriptionDoesNotConvertNonCNY(t *testing.T) {
-	t.Parallel()
-
-	amountStr, amount, err := calculateCreateOrderPayAmountForOrder(payment.OrderTypeSubscription, 7.99, 0, 0.14, "USD")
+	amountStr, amount, err := calculateCreateOrderPayAmount(5, 2.5, "CNY")
 	if err != nil {
 		t.Fatalf("unexpected error: %v", err)
 	}
-	if amountStr != "7.99" || amount != 7.99 {
-		t.Fatalf("subscription USD pay amount = (%q, %v), want (7.99, 7.99)", amountStr, amount)
+	if amountStr != "5.13" || amount != 5.13 {
+		t.Fatalf("subscription CNY pay amount with fee = (%q, %v), want (5.13, 5.13)", amountStr, amount)
 	}
 }
 
-func TestCalculateCreateOrderPayAmountForSubscriptionMatchesBalanceRechargeRatio(t *testing.T) {
+func TestCalculateCreditedBalanceStillUsesRechargeMultiplier(t *testing.T) {
 	t.Parallel()
 
-	credited := calculateCreditedBalance(10, 0.14)
-	if credited != 1.4 {
-		t.Fatalf("credited balance = %v, want 1.4", credited)
+	got := calculateCreditedBalance(10, 0.14)
+	if got != 1.4 {
+		t.Fatalf("credited balance = %v, want 1.4", got)
 	}
-	amountStr, amount, err := calculateCreateOrderPayAmountForOrder(payment.OrderTypeSubscription, credited, 0, 0.14, "CNY")
-	if err != nil {
-		t.Fatalf("unexpected error: %v", err)
-	}
-	if amountStr != "10.00" || amount != 10 {
-		t.Fatalf("subscription CNY pay amount = (%q, %v), want (10.00, 10)", amountStr, amount)
-	}
-}
 
-func TestCalculateCreateOrderPayAmountForSubscriptionAppliesFeeAfterMultiplier(t *testing.T) {
-	t.Parallel()
-
-	amountStr, amount, err := calculateCreateOrderPayAmountForOrder(payment.OrderTypeSubscription, 7.99, 2.5, 0.14, "CNY")
-	if err != nil {
-		t.Fatalf("unexpected error: %v", err)
-	}
-	if amountStr != "58.50" || amount != 58.5 {
-		t.Fatalf("subscription CNY pay amount with fee = (%q, %v), want (58.50, 58.5)", amountStr, amount)
+	got = calculateCreditedBalance(5, 10)
+	if got != 50 {
+		t.Fatalf("credited balance = %v, want 50", got)
 	}
 }