diff --git a/frontend/src/i18n/locales/en.ts b/frontend/src/i18n/locales/en.ts
index ac0465828d..9abb1df557 100644
--- a/frontend/src/i18n/locales/en.ts
+++ b/frontend/src/i18n/locales/en.ts
@@ -5144,6 +5144,7 @@ export default {
     errors: {
       tooManyPending: 'Too many pending orders (max {max}). Please complete or cancel existing orders first.',
       cancelRateLimited: 'Too many cancellations. Please try again later.',
+      PENDING_ORDERS: 'This provider has pending orders. Please wait for them to complete before making changes.',
     },
     stripePay: 'Pay Now',
     stripeSuccessProcessing: 'Payment successful, processing your order...',
diff --git a/frontend/src/i18n/locales/zh.ts b/frontend/src/i18n/locales/zh.ts
index 3dd42bec65..30569be74b 100644
--- a/frontend/src/i18n/locales/zh.ts
+++ b/frontend/src/i18n/locales/zh.ts
@@ -5341,6 +5341,7 @@ export default {
     errors: {
       tooManyPending: '待支付订单过多（最多 {max} 个），请先完成或取消现有订单',
       cancelRateLimited: '取消订单过于频繁，请稍后再试',
+      PENDING_ORDERS: '该服务商有未完成的订单，请等待订单完成后再操作',
     },
     stripePay: '立即支付',
     stripeSuccessProcessing: '支付成功，正在处理订单...',
diff --git a/frontend/src/utils/apiError.ts b/frontend/src/utils/apiError.ts
index ad92a79b40..e1fe0c30cf 100644
--- a/frontend/src/utils/apiError.ts
+++ b/frontend/src/utils/apiError.ts
@@ -10,6 +10,8 @@ interface ApiErrorLike {
   code?: number | string
   message?: string
   error?: string
+  reason?: string
+  metadata?: Record<string, unknown>
   response?: {
     data?: {
       detail?: string
@@ -19,21 +21,36 @@ interface ApiErrorLike {
   }
 }
 
+/**
+ * Extract the error code from an API error object.
+ */
+export function extractApiErrorCode(err: unknown): string | undefined {
+  if (!err || typeof err !== 'object') return undefined
+  const e = err as ApiErrorLike
+  const code = e.code ?? e.reason ?? e.response?.data?.code
+  return code != null ? String(code) : undefined
+}
+
 /**
  * Extract a displayable error message from an API error.
  *
- * Handles:
- * - Plain objects from API client interceptor: { status, code, message }
- * - Axios errors with response.data
- * - Standard Error instances
- * - Unknown types (stringified)
- *
  * @param err - The caught error (unknown type)
  * @param fallback - Fallback message if none can be extracted (use t('common.error') or similar)
+ * @param i18nMap - Optional map of error codes to i18n translated strings
  */
-export function extractApiErrorMessage(err: unknown, fallback = 'Unknown error'): string {
+export function extractApiErrorMessage(
+  err: unknown,
+  fallback = 'Unknown error',
+  i18nMap?: Record<string, string>,
+): string {
   if (!err) return fallback
 
+  // Try i18n mapping by error code first
+  if (i18nMap) {
+    const code = extractApiErrorCode(err)
+    if (code && i18nMap[code]) return i18nMap[code]
+  }
+
   // Plain object from API client interceptor (most common case)
   if (typeof err === 'object' && err !== null) {
     const e = err as ApiErrorLike
diff --git a/frontend/src/views/admin/SettingsView.vue b/frontend/src/views/admin/SettingsView.vue
index be2fd9a958..54a41e1522 100644
--- a/frontend/src/views/admin/SettingsView.vue
+++ b/frontend/src/views/admin/SettingsView.vue
@@ -2888,6 +2888,10 @@ const cancelRateLimitModeOptions = computed(() => [
   { value: 'fixed', label: t('admin.settings.payment.cancelRateLimitWindowModeFixed') },
 ])
 
+const paymentErrorMap = computed(() => ({
+  PENDING_ORDERS: t('payment.errors.PENDING_ORDERS'),
+}))
+
 async function loadProviders() {
   providersLoading.value = true
   try { const res = await adminAPI.payment.getProviders(); providers.value = res.data || [] }
@@ -2920,7 +2924,7 @@ async function handleSaveProvider(payload: any) {
     // Also save the overall settings so payment config changes are persisted together
     await saveSettings()
   } catch (err: unknown) {
-    appStore.showError(extractApiErrorMessage(err, t('common.error')))
+    appStore.showError(extractApiErrorMessage(err, t('common.error'), paymentErrorMap.value))
   } finally {
     providerSaving.value = false
   }
@@ -2932,7 +2936,7 @@ async function handleToggleField(provider: ProviderInstance, field: 'enabled' |
     await adminAPI.payment.updateProvider(provider.id, { [field]: newValue })
     if (field === 'enabled') provider.enabled = newValue
     else provider.refund_enabled = newValue
-  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'), paymentErrorMap.value)) }
 }
 
 async function handleToggleType(provider: ProviderInstance, type: string) {
@@ -2946,7 +2950,7 @@ async function handleToggleType(provider: ProviderInstance, type: string) {
   try {
     await adminAPI.payment.updateProvider(provider.id, { supported_types: updated } as any)
     provider.supported_types = updated
-  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'), paymentErrorMap.value)) }
 }
 
 function confirmDeleteProvider(provider: ProviderInstance) {
@@ -2961,7 +2965,7 @@ async function handleDeleteProvider() {
     appStore.showSuccess(t('common.deleted'))
     showDeleteProviderDialog.value = false
     loadProviders()
-  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
+  } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'), paymentErrorMap.value)) }
 }
 
 onMounted(() => {