diff --git a/apps/daxpay-admin/src/api/payment/develop/developTrade.api.ts b/apps/daxpay-admin/src/api/payment/develop/developTrade.api.ts
index 29f9599f3..90a9852e8 100644
--- a/apps/daxpay-admin/src/api/payment/develop/developTrade.api.ts
+++ b/apps/daxpay-admin/src/api/payment/develop/developTrade.api.ts
@@ -5,6 +5,8 @@ import { defHttp } from '#/api/request';
 
 /**
  * 交易开发调试 API
+ *
+ * 仅组参辅助与签名, 真实支付见 unipay-trade.api (POST /unipay/pay)
  */
 export const DevelopTradeApi = {
   /**
@@ -14,13 +16,6 @@ export const DevelopTradeApi = {
     return defHttp.post({ url: '/admin/develop/trade/sign', data });
   },
 
-  /**
-   * 支付调试(真实发起)
-   */
-  pay(data: DevelopParam): Promise<Result<DevelopPayResult>> {
-    return defHttp.post({ url: '/admin/develop/trade/pay', data });
-  },
-
   /**
    * 已启用渠道支付方式目录(供调试页支付方式下拉)
    */
@@ -57,7 +52,7 @@ export interface DevelopParam {
   privateKey?: string;
 }
 
-/** 支付参数 */
+/** 支付参数(与 unipay NormalPayParam 对齐) */
 export interface PayParam {
   /** 商户号 */
   mchNo: string;
@@ -89,6 +84,14 @@ export interface PayParam {
   returnUrl?: string;
   /** 过期时间(北京时间 yyyy-MM-dd HH:mm:ss) */
   expiredTime?: string;
+  /** 客户端 IP(可选, 未传时由 unipay 从 HTTP 请求提取) */
+  clientIp?: string;
+  /** 随机串 */
+  nonceStr?: string;
+  /** 请求时间(北京时间 yyyy-MM-dd HH:mm:ss) */
+  reqTime?: string;
+  /** 签名 */
+  sign?: string;
 }
 
 /** 支付结果 */
@@ -114,11 +117,3 @@ export interface DevelopSignResult {
   /** 签名值 */
   sign?: string;
 }
-
-/** 支付调试结果 */
-export interface DevelopPayResult {
-  /** 支付结果 */
-  payResult?: PayResult;
-  /** 响应签名(平台私钥签名) */
-  sign?: string;
-}
diff --git a/apps/daxpay-admin/src/api/payment/unipay/unipay-request.ts b/apps/daxpay-admin/src/api/payment/unipay/unipay-request.ts
new file mode 100644
index 000000000..8005ce389
--- /dev/null
+++ b/apps/daxpay-admin/src/api/payment/unipay/unipay-request.ts
@@ -0,0 +1,60 @@
+/**
+ * unipay 轻量 HTTP 客户端
+ *
+ * 用于管理端「交易调试」等场景模拟商户直调统一支付接口。
+ * 与 defHttp/requestClient 隔离:
+ * - 不注入 Accesstoken / x-client-code / nonce
+ * - 不挂登录失效拦截器(避免业务错误误踢登录)
+ * - 业务 code !== 0 时仍原样返回 body, 由页面展示完整 DaxResult
+ */
+import type { RequestClientOptions } from '@vben/request';
+
+import { useAppConfig } from '@vben/hooks';
+import { RequestClient } from '@vben/request';
+
+const { apiURL } = useAppConfig(import.meta.env, import.meta.env.PROD);
+
+/** unipay 通用响应(与后端 DaxResult 对齐) */
+export interface DaxResult<T = unknown> {
+  code: number;
+  msg?: string;
+  data?: T;
+  sign?: string;
+  resTime?: string;
+  traceId?: string;
+}
+
+function createUnipayClient(baseURL: string, options?: RequestClientOptions) {
+  const client = new RequestClient({
+    ...options,
+    baseURL,
+    // 通道调用可能较慢
+    timeout: 60_000,
+    responseReturn: 'body',
+  });
+
+  // 始终返回响应体; 业务失败(code!=0)不 throw, 交给调用方展示
+  client.addResponseInterceptor({
+    fulfilled: (response) => response.data,
+  });
+
+  return client;
+}
+
+const unipayClient = createUnipayClient(apiURL);
+
+/**
+ * POST unipay 接口, 返回完整 DaxResult(含业务失败)
+ */
+export async function unipayPost<T = unknown>(url: string, data?: unknown): Promise<DaxResult<T>> {
+  // RequestClient 在 HTTP 非 2xx 时 throw response.data; 尽量当成 DaxResult 透出
+  try {
+    return await unipayClient.post<DaxResult<T>>(url, data);
+  } catch (error: unknown) {
+    // 后端部分异常可能以非 2xx + body 形式返回
+    if (error && typeof error === 'object' && 'code' in error) {
+      return error as DaxResult<T>;
+    }
+    throw error;
+  }
+}
diff --git a/apps/daxpay-admin/src/api/payment/unipay/unipay-trade.api.ts b/apps/daxpay-admin/src/api/payment/unipay/unipay-trade.api.ts
new file mode 100644
index 000000000..4d59a896c
--- /dev/null
+++ b/apps/daxpay-admin/src/api/payment/unipay/unipay-trade.api.ts
@@ -0,0 +1,19 @@
+/**
+ * 统一支付(unipay)交易接口 — 商户侧契约
+ *
+ * 调试页通过此 API 模拟真实商户 HTTP 调用, 不走 admin 特权通道。
+ */
+import type { DaxResult } from './unipay-request';
+import type { PayParam, PayResult } from '#/api/payment/develop/developTrade.api';
+
+import { unipayPost } from './unipay-request';
+
+/**
+ * 统一支付下单
+ *
+ * POST /unipay/pay
+ * 请求体须含完整商户签名字段(reqTime/nonceStr/sign 等)
+ */
+export function uniPay(data: PayParam): Promise<DaxResult<PayResult>> {
+  return unipayPost<PayResult>('/unipay/pay', data);
+}
diff --git a/apps/daxpay-admin/src/constants/perm-codes.ts b/apps/daxpay-admin/src/constants/perm-codes.ts
index 970321f03..75526b87b 100644
--- a/apps/daxpay-admin/src/constants/perm-codes.ts
+++ b/apps/daxpay-admin/src/constants/perm-codes.ts
@@ -205,11 +205,10 @@ export const PermCodes = {
 
   /** 开发调试（独立顶级域） */
   Develop: {
-    /** 支付调试 menuCode=develop:trade */
+    /** 支付调试 menuCode=develop:trade（真实支付走 unipay, 无 develop:trade:pay 后门） */
     Trade: {
       VIEW: 'develop:trade:view',
       SIGN: 'develop:trade:sign',
-      PAY: 'develop:trade:pay',
     },
     /** 签名调试 menuCode=develop:sign */
     Sign: {
diff --git a/apps/daxpay-admin/src/locales/langs/en-US/payment/develop.json b/apps/daxpay-admin/src/locales/langs/en-US/payment/develop.json
index a167d42e7..13904fe14 100644
--- a/apps/daxpay-admin/src/locales/langs/en-US/payment/develop.json
+++ b/apps/daxpay-admin/src/locales/langs/en-US/payment/develop.json
@@ -52,8 +52,8 @@
   "trade": {
     "page": {
       "title": "Payment Develop",
-      "tag": "Real Trade",
-      "warning": "Clicking \"Submit\" sends a real payment request to the system. Please confirm the params."
+      "tag": "Simulated Merchant API",
+      "warning": "This page only builds params and signs them. Submit simulates a merchant call to /unipay/pay (not an admin privilege path). Confirm params carefully."
     },
     "card": {
       "basic": "Basic Info",
@@ -113,7 +113,7 @@
     },
     "privateKey": {
       "modalTitle": "Set Merchant Private Key",
-      "modalTip": "Enter the merchant RSA private key for server-side signing (stored in browser local cache only).",
+      "modalTip": "Enter the merchant RSA private key for request signing only (stored in browser local cache; not used for admin privilege pay).",
       "placeholder": "Enter the merchant private key",
       "savedTip": "Private key saved",
       "clearedTip": "Private key cleared",
@@ -124,12 +124,14 @@
       "clearConfirmContent": "Are you sure you want to clear the merchant private key? It will need to be re-entered."
     },
     "result": {
-      "modalTitle": "Payment Result",
+      "modalTitle": "Payment Result (unipay)",
       "payLink": "Payment Link",
       "jsapiParam": "JSAPI Params",
       "formData": "Form Data",
       "markCode": "Mark Code",
-      "copyData": "Copy Data",
+      "copyData": "Copy Pay Body",
+      "copyFull": "Copy Full Response",
+      "rawResponse": "Full DaxResult Response",
       "empty": "No data",
       "field": {
         "orderNo": "System Order No."
@@ -146,6 +148,8 @@
     },
     "msg": {
       "signSuccess": "Sign generated successfully",
+      "paySuccess": "Payment request succeeded",
+      "payFail": "Payment request failed",
       "inputPrivateKey": "Please set the merchant private key first",
       "copySuccess": "Copied"
     }
diff --git a/apps/daxpay-admin/src/locales/langs/zh-CN/payment/develop.json b/apps/daxpay-admin/src/locales/langs/zh-CN/payment/develop.json
index 00a901fbd..c0699c58d 100644
--- a/apps/daxpay-admin/src/locales/langs/zh-CN/payment/develop.json
+++ b/apps/daxpay-admin/src/locales/langs/zh-CN/payment/develop.json
@@ -52,8 +52,8 @@
   "trade": {
     "page": {
       "title": "支付调试",
-      "tag": "真实交易",
-      "warning": "点击「提交支付」将向支付系统发起真实交易请求，请确认参数无误。"
+      "tag": "模拟商户 API",
+      "warning": "本页仅组装参数并签名，提交后将模拟商户调用 /unipay/pay 发起真实交易（非管理端特权通道），请确认参数无误。"
     },
     "card": {
       "basic": "基础信息",
@@ -113,7 +113,7 @@
     },
     "privateKey": {
       "modalTitle": "设置商户私钥",
-      "modalTip": "请输入商户 RSA 私钥，用于在服务端计算签名（仅保存在浏览器本地缓存中）。",
+      "modalTip": "请输入商户 RSA 私钥，仅用于生成请求签名（仅保存在浏览器本地缓存中，不会用于管理端特权下单）。",
       "placeholder": "请输入商户私钥",
       "savedTip": "私钥保存成功",
       "clearedTip": "私钥已清除",
@@ -124,12 +124,14 @@
       "clearConfirmContent": "确定要清除已设置的商户私钥吗？清除后需重新输入。"
     },
     "result": {
-      "modalTitle": "支付结果",
+      "modalTitle": "支付结果 (unipay)",
       "payLink": "支付链接",
       "jsapiParam": "JSAPI 参数",
       "formData": "表单数据",
       "markCode": "标识码",
-      "copyData": "复制数据",
+      "copyData": "复制支付参数",
+      "copyFull": "复制完整响应",
+      "rawResponse": "完整 DaxResult 响应",
       "empty": "暂无数据",
       "field": {
         "orderNo": "系统订单号"
@@ -146,6 +148,8 @@
     },
     "msg": {
       "signSuccess": "签名生成成功",
+      "paySuccess": "支付请求成功",
+      "payFail": "支付请求失败",
       "inputPrivateKey": "请先设置商户私钥",
       "copySuccess": "复制成功"
     }
diff --git a/apps/daxpay-admin/src/views/payment/develop/trade/DevelopTrade.vue b/apps/daxpay-admin/src/views/payment/develop/trade/DevelopTrade.vue
index 614a4256e..eb4df4e90 100644
--- a/apps/daxpay-admin/src/views/payment/develop/trade/DevelopTrade.vue
+++ b/apps/daxpay-admin/src/views/payment/develop/trade/DevelopTrade.vue
@@ -1,7 +1,8 @@
 <script setup lang="ts">
   import type { FormInstance } from 'antdv-next';
 
-  import type { DevelopPayResult, PayParam } from '#/api/payment/develop/developTrade.api';
+  import type { PayParam, PayResult } from '#/api/payment/develop/developTrade.api';
+  import type { DaxResult } from '#/api/payment/unipay/unipay-request';
   import type { LabelValue } from '#/types/web';
 
   import { computed, onMounted, reactive, ref } from 'vue';
@@ -14,6 +15,7 @@
   import { DevelopTradeApi } from '#/api/payment/develop/developTrade.api';
   import { MchAppInfoApi } from '#/api/payment/merchant/mch-app-info.api';
   import { MerchantApi } from '#/api/payment/merchant/merchant.api';
+  import { uniPay } from '#/api/payment/unipay/unipay-trade.api';
   import { QrCode } from '#/components/qrcode';
   import { useMessage } from '#/hooks/useMessage';
 
@@ -87,9 +89,9 @@
   const channelMchNoOptions = ref<LabelValue[]>([]);
   const capabilityOptions = ref<LabelValue[]>([]);
 
-  // ===== 调试结果 =====
+  // ===== 调试结果(完整 unipay DaxResult) =====
   const resultVisible = ref(false);
-  const resultData = ref<DevelopPayResult>({});
+  const resultData = ref<DaxResult<PayResult>>({ code: 0 });
 
   // ===== 签名预览(请求预览卡内联展示) =====
   const signPreview = reactive({
@@ -234,29 +236,64 @@
   }
 
   // ===== 实时请求预览 =====
-  /** 按当前模式组装提交参数(各模式只透传自身字段, product/method 由后端派生) */
-  function buildPayload(): PayParam {
-    const payload: PayParam = { ...form };
-    if (routeMode.value === 'route') {
-      // 路由模式: 不传通道商户/能力, 由路由引擎决定
-      payload.channelMchNo = '';
-      payload.capability = '';
-    } else {
-      // 直传模式: method 由后端从(通道商户, 能力)反推, 不透传
-      payload.method = '';
-    }
-    return payload;
+
+  /**
+   * 生成东八区请求时间字面量 yyyy-MM-dd HH:mm:ss
+   * (与 PaymentCommonParam.reqTime 文档一致, 禁止用 toISOString 的 UTC)
+   */
+  function formatReqTimeCst(): string {
+    // sv-SE 在指定时区下格式接近 ISO 本地: YYYY-MM-DD HH:mm:ss
+    return new Date().toLocaleString('sv-SE', { timeZone: 'Asia/Shanghai' });
   }
 
-  /** 当前请求 JSON 预览(剔除空值) */
-  const requestPreview = computed(() => {
+  /** 生成随机 nonce(16 位字母数字) */
+  function genNonceStr(): string {
+    const chars = 'abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ0123456789';
+    let s = '';
+    for (let i = 0; i < 16; i++) {
+      s += chars[Math.floor(Math.random() * chars.length)];
+    }
+    return s;
+  }
+
+  /** 剔除空串/null/undefined, 避免参与签名或污染请求体 */
+  function cleanPayload(raw: PayParam): PayParam {
     const cleaned: Record<string, any> = {};
-    for (const [k, v] of Object.entries(buildPayload())) {
+    for (const [k, v] of Object.entries(raw)) {
       if (v !== '' && v != null) {
         cleaned[k] = v;
       }
     }
-    return JSON.stringify(cleaned, null, 2);
+    return cleaned as PayParam;
+  }
+
+  /**
+   * 按当前模式组装提交参数(含公共字段 reqTime/nonceStr)
+   * 各模式只透传自身字段; 直传模式 method 由 unipay 路由反推
+   */
+  function buildPayload(): PayParam {
+    const payload: PayParam = {
+      ...form,
+      // 每次组参刷新公共字段, 贴近真实商户 SDK
+      reqTime: formatReqTimeCst(),
+      nonceStr: genNonceStr(),
+      // 签名由后续步骤写入, 预览阶段不带旧 sign
+      sign: undefined,
+    };
+    if (routeMode.value === 'route') {
+      // 路由模式: 不传通道商户/能力, 由路由引擎决定
+      payload.channelMchNo = undefined;
+      payload.capability = undefined;
+    } else {
+      // 直传模式: method 由后端从(通道商户, 能力)反推, 不透传
+      payload.method = undefined;
+    }
+    return cleanPayload(payload);
+  }
+
+  /** 当前请求 JSON 预览(剔除空值) */
+  const requestPreview = computed(() => {
+    return JSON.stringify(buildPayload(), null, 2);
   });
 
   /** 生成签名预览(内联展示, 不弹结果) */
@@ -293,7 +330,10 @@
   }
 
   // ===== 提交 =====
-  /** 发起真实支付调试 */
+  /**
+   * 模拟商户调用 unipay 发起支付
+   * 1. admin 仅签名  2. 浏览器 POST /unipay/pay
+   */
   async function handlePay() {
     // 表单字段校验(含私钥自定义规则)
     try {
@@ -304,12 +344,33 @@
     }
     loading.value = true;
     try {
-      const { data } = await DevelopTradeApi.pay({
-        param: buildPayload(),
+      // 组参(含 reqTime/nonceStr)
+      const payload = buildPayload();
+      // 管理端签名(与 Java PaySignUtil 一致; 失败由 defHttp toast 并 throw)
+      const { data: signRes } = await DevelopTradeApi.sign({
+        param: payload,
         privateKey: privateKey.value,
       });
-      resultData.value = data ?? {};
-      resultVisible.value = true;
+      payload.sign = signRes?.sign;
+      signPreview.signStr = signRes?.signStr ?? '';
+      signPreview.sign = signRes?.sign ?? '';
+
+      // 直调统一支付(无 Accesstoken, 完整商户契约)
+      // unipayPost 已将业务失败(code!=0)转为返回值, 仅网络层异常会 throw
+      try {
+        const dax = await uniPay(payload);
+        resultData.value = dax ?? { code: -1 };
+        resultVisible.value = true;
+        if (dax?.code === 0) {
+          message.success($t('payment.develop.trade.msg.paySuccess'));
+        } else {
+          // 业务失败仍展示完整 DaxResult, 便于联调
+          message.warning(dax?.msg || $t('payment.develop.trade.msg.payFail'));
+        }
+      } catch {
+        // unipay 网络/非业务异常
+        message.error($t('payment.develop.trade.msg.payFail'));
+      }
     } finally {
       loading.value = false;
     }
@@ -343,10 +404,12 @@
   }
 
   // ===== 结果展示 =====
+  /** unipay 业务 data */
+  const payResult = computed(() => resultData.value.data);
   /** 结果中的支付参数体类型 */
-  const payBodyType = computed(() => resultData.value.payResult?.payBodyType ?? '');
+  const payBodyType = computed(() => payResult.value?.payBodyType ?? '');
   /** 结果中的支付参数体 */
-  const payBody = computed(() => resultData.value.payResult?.payBody ?? '');
+  const payBody = computed(() => payResult.value?.payBody ?? '');
   /** JSAPI 参数对象(供 JsonViewer 展示) */
   const jsapiObject = computed(() => {
     const body = payBody.value;
@@ -361,11 +424,16 @@
   /** 结果弹窗是否展示支付参数体 */
   const hasPayBody = computed(() => !!payBody.value);
 
-  /** 复制结果数据 */
+  /** 复制支付参数体 */
   function copyResultData() {
     copyText(payBody.value);
   }
 
+  /** 复制完整 DaxResult JSON */
+  function copyFullResult() {
+    copyText(JSON.stringify(resultData.value, null, 2));
+  }
+
   onMounted(() => {
     const saved = localStorage.getItem(PRIVATE_KEY_STORAGE_KEY);
     if (saved) {
@@ -700,14 +768,25 @@
       />
     </a-modal>
 
-    <!-- 调试结果弹窗 -->
+    <!-- 调试结果弹窗(完整 unipay DaxResult) -->
     <a-modal
       v-model:open="resultVisible"
       :title="$t('payment.develop.trade.result.modalTitle')"
       :footer="null"
-      :width="600"
+      :width="640"
       destroy-on-hidden
     >
+      <!-- 响应摘要 -->
+      <div class="mb-4 flex flex-wrap items-center gap-2">
+        <a-tag :color="resultData.code === 0 ? 'success' : 'error'">
+          code: {{ resultData.code }}
+        </a-tag>
+        <span class="text-sm text-muted-foreground">{{ resultData.msg }}</span>
+        <span v-if="resultData.traceId" class="text-xs text-muted-foreground">
+          traceId: {{ resultData.traceId }}
+        </span>
+      </div>
+
       <template v-if="hasPayBody">
         <div class="flex flex-col items-center">
           <!-- 扫码支付/支付链接: qr_code + link 渲染二维码 -->
@@ -758,16 +837,25 @@
               </div>
             </div>
           </template>
-
-          <!-- 复制数据 -->
-          <a-button block type="primary" @click="copyResultData">
-            <template #icon><IconifyIcon icon="ant-design:copy-outlined" /></template>
-            {{ $t('payment.develop.trade.result.copyData') }}
-          </a-button>
         </div>
       </template>
 
-      <a-empty v-else :description="$t('payment.develop.trade.result.empty')" />
+      <!-- 完整 DaxResult(联调对照文档) -->
+      <div class="mb-1 mt-2 text-xs font-medium text-muted-foreground">
+        {{ $t('payment.develop.trade.result.rawResponse') }}
+      </div>
+      <JsonViewer class="json-viewer-box mb-3" :value="resultData" :expand-depth="2" boxed copyable />
+
+      <div class="flex gap-2">
+        <a-button v-if="hasPayBody" block type="primary" @click="copyResultData">
+          <template #icon><IconifyIcon icon="ant-design:copy-outlined" /></template>
+          {{ $t('payment.develop.trade.result.copyData') }}
+        </a-button>
+        <a-button block @click="copyFullResult">
+          <template #icon><IconifyIcon icon="ant-design:copy-outlined" /></template>
+          {{ $t('payment.develop.trade.result.copyFull') }}
+        </a-button>
+      </div>
     </a-modal>
   </div>
 </template>