diff --git a/_config/sql/iam_perm_menu.sql b/_config/sql/iam_perm_menu.sql
index fabbcc122..73f71aa3d 100644
--- a/_config/sql/iam_perm_menu.sql
+++ b/_config/sql/iam_perm_menu.sql
@@ -12,7 +12,7 @@
  Target Server Version : 160009 (160009)
  File Encoding         : 65001
 
- Date: 13/06/2026 15:50:03
+ Date: 13/06/2026 17:02:31
 */
 
 
@@ -138,12 +138,39 @@ INSERT INTO "public"."iam_perm_menu" VALUES (4040112, 40401, 'payment:merchant:c
 INSERT INTO "public"."iam_perm_menu" VALUES (4040113, 40401, 'payment:merchant:channelMerchant:wechatApp', 'admin', 'WechatMchAppManage', '微信通道商户应用', 'WeChat Channel Merchant App', 'menu.payment.merchant.channelMerchant.wechatApp', NULL, 't', 'f', '/payment/channel/wechat/manage/mch/app/WechatMchAppManage', '/payment/merchant/channel-merchant/wechat-app-manage', NULL, 11, 'f', 't', 'f', 1, 1, 0, 'f', 'subpage', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-07 23:57:13.620205+00', '2026-06-07 23:57:13.620205+00');
 INSERT INTO "public"."iam_perm_menu" VALUES (4040114, 40401, 'payment:merchant:channelMerchant:alipayApp', 'admin', 'AlipayMchAppManage', '支付宝通道商户应用', 'Alipay Channel Merchant App', 'menu.payment.merchant.channelMerchant.alipayApp', NULL, 't', 'f', '/payment/channel/alipay/manage/mch/app/AlipayMchAppManage', '/payment/merchant/channel-merchant/alipay-app-manage', NULL, 12, 'f', 't', 'f', 1, 1, 0, 'f', 'subpage', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-11 22:28:11.274785+00', '2026-06-11 22:28:11.274785+00');
 INSERT INTO "public"."iam_perm_menu" VALUES (404, NULL, 'payment:merchant', 'admin', 'PaymentMerchant', '商户管理', 'Merchant Management', 'menu.payment.merchant', 'lucide:store', 'f', 'f', NULL, '/payment/merchant', NULL, 4, 't', 't', 'f', 0, NULL, 0, 'f', 'catalog', NULL, NULL, NULL, NULL, NULL, NULL, '2026-04-05 16:00:00+00', '2026-06-13 00:00:00+00');
-INSERT INTO "public"."iam_perm_menu" VALUES (402, 4, 'payment:isv:basic', 'admin', 'IsvBasic', '基础管理', 'Basic Management', 'menu.payment.isv.basic', 'lucide:layers', 'f', 'f', NULL, '/payment/isv/basic', NULL, 2, 'f', 't', 'f', 1, 1, 0, 'f', 'catalog', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-13 00:00:00+00', '2026-06-13 00:00:00+00');
-INSERT INTO "public"."iam_perm_menu" VALUES (403, 4, 'payment:isv:pay-config', 'admin', 'IsvPayConfig', '支付配置', 'Payment Config', 'menu.payment.isv.payConfig', 'lucide:settings-2', 'f', 'f', NULL, '/payment/isv/pay-config', NULL, 3, 'f', 't', 'f', 1, 1, 0, 'f', 'catalog', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-13 00:00:00+00', '2026-06-13 00:00:00+00');
-INSERT INTO "public"."iam_perm_menu" VALUES (405, 4, 'payment:isv:business', 'admin', 'IsvBusiness', '业务配置', 'Business Config', 'menu.payment.isv.business', 'lucide:briefcase', 'f', 'f', NULL, '/payment/isv/business', NULL, 4, 'f', 't', 'f', 1, 1, 0, 'f', 'catalog', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-13 00:00:00+00', '2026-06-13 00:00:00+00');
-INSERT INTO "public"."iam_perm_menu" VALUES (40201, 402, 'payment:isv:user', 'admin', 'IsvUserList', '用户管理', 'User Management', 'menu.payment.isv.basic.user', 'lucide:users', 'f', 'f', '/_core/fallback/coming-soon', '/payment/isv/user', NULL, 1, 'f', 't', 'f', 1, 1, 0, 'f', 'menu', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-13 00:00:00+00', '2026-06-13 00:00:00+00');
-INSERT INTO "public"."iam_perm_menu" VALUES (40203, 402, 'payment:isv:site', 'admin', 'IsvSiteConfig', '站点配置', 'Site Config', 'menu.payment.isv.basic.site', 'lucide:globe', 'f', 'f', '/_core/fallback/coming-soon', '/payment/isv/site', NULL, 3, 'f', 't', 'f', 1, 1, 0, 'f', 'menu', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-13 00:00:00+00', '2026-06-13 00:00:00+00');
-INSERT INTO "public"."iam_perm_menu" VALUES (40301, 403, 'payment:isv:product', 'admin', 'IsvProductConfig', '支付产品管理', 'Payment Product', 'menu.payment.isv.payConfig.product', 'lucide:package', 'f', 'f', '/_core/fallback/coming-soon', '/payment/isv/product', NULL, 1, 'f', 't', 'f', 1, 1, 0, 'f', 'menu', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-13 00:00:00+00', '2026-06-13 00:00:00+00');
+INSERT INTO "public"."iam_perm_menu" VALUES (30403, 304, 'system:credential:config', 'admin', 'PlatformCredentialConfig', '对接配置', 'Credential Config', 'menu.system.config.credential', 'lucide:key-round', 'f', 'f', '/system/config/credential/PlatformCredentialConfig', '/system/config/credential', NULL, 3, 'f', 't', 'f', 1, 1, 0, 'f', 'menu', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-13 00:00:00+00', '2026-06-13 00:00:00+00');
+
+-- 支付配置目录
+INSERT INTO "public"."iam_perm_menu" VALUES (405, 4, 'payment:config', 'admin', 'PaymentConfig', '支付配置', 'Payment Config', 'menu.payment.config', 'lucide:settings-2', 'f', 'f', NULL, '/payment/config', NULL, 2, 'f', 't', 'f', 1, 1, 0, 'f', 'catalog', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-14 00:00:00+00', '2026-06-14 00:00:00+00')
+ON CONFLICT (id) DO UPDATE SET
+  menu_code = EXCLUDED.menu_code,
+  name = EXCLUDED.name,
+  title_cn = EXCLUDED.title_cn,
+  title_en = EXCLUDED.title_en,
+  i18n_key = EXCLUDED.i18n_key,
+  icon = EXCLUDED.icon,
+  path = EXCLUDED.path,
+  sort_no = EXCLUDED.sort_no,
+  keep_alive = EXCLUDED.keep_alive,
+  menu_type = EXCLUDED.menu_type,
+  last_modified_time = EXCLUDED.last_modified_time;
+
+-- 支付配置：支付产品管理（卡片式）
+INSERT INTO "public"."iam_perm_menu" VALUES (40105, 405, 'payment:config:productConfig', 'admin', 'ProductConfig', '支付产品管理', 'Payment Product Management', 'menu.payment.config.productConfig', 'lucide:layout-grid', 'f', 'f', '/payment/config/product/ProductConfig', '/payment/config/product', NULL, 1, 'f', 't', 'f', 1, 1, 0, 'f', 'menu', NULL, NULL, NULL, NULL, NULL, NULL, '2026-06-14 00:00:00+00', '2026-06-14 00:00:00+00')
+ON CONFLICT (id) DO UPDATE SET
+  pid = EXCLUDED.pid,
+  menu_code = EXCLUDED.menu_code,
+  name = EXCLUDED.name,
+  title_cn = EXCLUDED.title_cn,
+  title_en = EXCLUDED.title_en,
+  i18n_key = EXCLUDED.i18n_key,
+  icon = EXCLUDED.icon,
+  component = EXCLUDED.component,
+  path = EXCLUDED.path,
+  sort_no = EXCLUDED.sort_no,
+  keep_alive = EXCLUDED.keep_alive,
+  menu_type = EXCLUDED.menu_type,
+  last_modified_time = EXCLUDED.last_modified_time;
 
 -- ----------------------------
 -- Primary Key structure for table iam_perm_menu
diff --git a/daxpay-payment/daxpay-payment-admin/src/main/java/org/dromara/daxpay/payment/admin/controller/masterdata/product/PayProductMasterDataController.java b/daxpay-payment/daxpay-payment-admin/src/main/java/org/dromara/daxpay/payment/admin/controller/masterdata/product/PayProductMasterDataController.java
index 322ddb964..ba489d9d6 100644
--- a/daxpay-payment/daxpay-payment-admin/src/main/java/org/dromara/daxpay/payment/admin/controller/masterdata/product/PayProductMasterDataController.java
+++ b/daxpay-payment/daxpay-payment-admin/src/main/java/org/dromara/daxpay/payment/admin/controller/masterdata/product/PayProductMasterDataController.java
@@ -53,4 +53,12 @@ public class PayProductMasterDataController {
         return Res.ok(payProductMasterDataService.dropdown());
     }
 
+    /// 全量查询支付产品列表（卡片式管理页使用）
+    @PermCode(code = "view", nameCn = "产品查看", nameEn = "Product View")
+    @Operation(summary = "全量查询支付产品")
+    @GetMapping("/list-all")
+    public Result<List<PayProductResult>> listAll() {
+        return Res.ok(payProductMasterDataService.listAll());
+    }
+
 }
\ No newline at end of file
diff --git a/daxpay-payment/daxpay-payment-admin/src/main/java/org/dromara/daxpay/payment/admin/controller/merchant/config/MchProductConfigAdminController.java b/daxpay-payment/daxpay-payment-admin/src/main/java/org/dromara/daxpay/payment/admin/controller/merchant/config/MchProductConfigAdminController.java
deleted file mode 100644
index fe2b09701..000000000
--- a/daxpay-payment/daxpay-payment-admin/src/main/java/org/dromara/daxpay/payment/admin/controller/merchant/config/MchProductConfigAdminController.java
+++ /dev/null
@@ -1,53 +0,0 @@
-package org.dromara.daxpay.payment.admin.controller.merchant.config;
-
-import org.dromara.daxpay.platform.core.annotation.PermCode;
-import org.dromara.daxpay.platform.core.rest.Res;
-import org.dromara.daxpay.platform.core.rest.result.Result;
-import org.dromara.daxpay.payment.merchant.param.config.MchProductConfigBatchParam;
-import org.dromara.daxpay.payment.merchant.param.config.MchProductConfigEnableParam;
-import org.dromara.daxpay.payment.merchant.result.config.MchProductConfigResult;
-import org.dromara.daxpay.payment.merchant.service.config.MchProductConfigService;
-import io.swagger.v3.oas.annotations.Operation;
-import io.swagger.v3.oas.annotations.tags.Tag;
-import jakarta.validation.constraints.NotBlank;
-import lombok.RequiredArgsConstructor;
-import org.springframework.validation.annotation.Validated;
-import org.springframework.web.bind.annotation.*;
-
-import java.util.List;
-
-/// # 商户产品配置管理控制器
-///
-@PermCode(menuCode = "payment:merchant")
-@Validated
-@Tag(name = "商户产品配置管理")
-@RestController
-@RequestMapping("/admin/merchant/product/config")
-@RequiredArgsConstructor
-public class MchProductConfigAdminController {
-
-    private final MchProductConfigService service;
-
-    @PermCode(code = "view", nameCn = "商户查看", nameEn = "Merchant View")
-    @Operation(summary = "根据商户号查询产品配置列表")
-    @GetMapping("/all-by-mch-no")
-    public Result<List<MchProductConfigResult>> findAllByMchNo(@NotBlank(message = "{validation.field.mchNo.notBlank}") String mchNo) {
-        return Res.ok(service.findAllByMchNo(mchNo));
-    }
-
-    @PermCode(code = "product_config_update", nameCn = "产品配置更新", nameEn = "Product Config Update")
-    @Operation(summary = "更新启用状态，如果配置不存在则自动创建")
-    @PostMapping("/update-enable")
-    public Result<Void> updateEnable(@RequestBody @Validated MchProductConfigEnableParam param) {
-        service.updateEnable(param);
-        return Res.ok();
-    }
-
-    @PermCode(code = "product_config_update", nameCn = "产品配置更新", nameEn = "Product Config Update")
-    @Operation(summary = "批量保存商户产品配置")
-    @PostMapping("/save-batch")
-    public Result<Void> saveBatch(@RequestBody @Validated MchProductConfigBatchParam param) {
-        service.saveBatch(param);
-        return Res.ok();
-    }
-}
diff --git a/daxpay-payment/daxpay-payment-common/src/main/java/org/dromara/daxpay/payment/pay/service/masterdata/product/PayProductMasterDataService.java b/daxpay-payment/daxpay-payment-common/src/main/java/org/dromara/daxpay/payment/pay/service/masterdata/product/PayProductMasterDataService.java
index c6577deaa..1bc9720fb 100644
--- a/daxpay-payment/daxpay-payment-common/src/main/java/org/dromara/daxpay/payment/pay/service/masterdata/product/PayProductMasterDataService.java
+++ b/daxpay-payment/daxpay-payment-common/src/main/java/org/dromara/daxpay/payment/pay/service/masterdata/product/PayProductMasterDataService.java
@@ -62,12 +62,12 @@ public class PayProductMasterDataService {
     }
 
     /// 返回全部支付产品，按 sortNo、id 排序
+    /// 策略存在时补全特性字段，不存在时仅返回枚举与数据库基础信息
     public List<PayProductResult> listAll() {
         Map<String, PayProduct> dbMap = payProductManager.lambdaQuery().list().stream()
                 .collect(Collectors.toMap(PayProduct::getCode, p -> p, (a, b) -> a));
 
         return Arrays.stream(ProductEnum.values())
-                .filter(e -> PaymentStrategyFactory.existsByProduct(e.getCode(), AbsProductStrategy.class))
                 .map(e -> toProductResult(e, dbMap))
                 .sorted(Comparator.comparing(PayProductResult::getSortNo,
                                 Comparator.nullsLast(Comparator.naturalOrder()))
@@ -91,7 +91,6 @@ public class PayProductMasterDataService {
 
     /// 枚举与库表合并为产品结果
     private PayProductResult toProductResult(ProductEnum product, Map<String, PayProduct> dbMap) {
-        var strategy = PaymentStrategyFactory.createByProduct(product.getCode(), AbsProductStrategy.class);
         PayProductResult result = new PayProductResult()
                 .setCode(product.getCode())
                 .setChannel(product.getChannel())
@@ -111,7 +110,10 @@ public class PayProductMasterDataService {
         } else {
             result.setSortNo(0);
         }
-        applyStrategyFields(strategy, result);
+        AbsProductStrategy strategy = resolveStrategy(product.getCode());
+        if (strategy != null) {
+            applyStrategyFields(strategy, result);
+        }
         return result;
     }
 
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/controller/config/MchProductConfigController.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/controller/config/MchProductConfigController.java
deleted file mode 100644
index 2f4f9b9a3..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/controller/config/MchProductConfigController.java
+++ /dev/null
@@ -1,51 +0,0 @@
-package org.dromara.daxpay.payment.merchant.controller.config;
-
-import org.dromara.daxpay.platform.core.rest.Res;
-import org.dromara.daxpay.platform.core.rest.result.Result;
-import org.dromara.daxpay.payment.merchant.param.config.MchProductConfigBatchParam;
-import org.dromara.daxpay.payment.merchant.param.config.MchProductConfigEnableParam;
-import org.dromara.daxpay.payment.merchant.result.config.MchProductConfigResult;
-import org.dromara.daxpay.payment.merchant.service.config.MchProductConfigService;
-import io.swagger.v3.oas.annotations.Operation;
-import io.swagger.v3.oas.annotations.tags.Tag;
-import jakarta.validation.constraints.NotBlank;
-import lombok.RequiredArgsConstructor;
-import org.springframework.validation.annotation.Validated;
-import org.springframework.web.bind.annotation.GetMapping;
-import org.springframework.web.bind.annotation.PostMapping;
-import org.springframework.web.bind.annotation.RequestBody;
-import org.springframework.web.bind.annotation.RequestMapping;
-import org.springframework.web.bind.annotation.RestController;
-
-import java.util.List;
-
-/// # 商户产品配置
-///
-@Validated
-@Tag(name = "商户产品配置")
-@RestController
-@RequestMapping("/merchant/product/config")
-@RequiredArgsConstructor
-public class MchProductConfigController {
-    private final MchProductConfigService service;
-
-    @Operation(summary = "根据商户号查询产品配置列表")
-    @GetMapping("/all-by-mch-no")
-    public Result<List<MchProductConfigResult>> findAllByMchNo(@NotBlank(message = "{validation.field.mchNo.notBlank}") String mchNo){
-        return Res.ok(service.findAllByMchNo(mchNo));
-    }
-
-    @Operation(summary = "更新启用状态，如果配置不存在则自动创建")
-    @PostMapping("/update-enable")
-    public Result<Void> updateEnable(@RequestBody @Validated MchProductConfigEnableParam param){
-        service.updateEnable(param);
-        return Res.ok();
-    }
-
-    @Operation(summary = "批量保存商户产品配置")
-    @PostMapping("/save-batch")
-    public Result<Void> saveBatch(@RequestBody @Validated MchProductConfigBatchParam param){
-        service.saveBatch(param);
-        return Res.ok();
-    }
-}
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/convert/config/MchProductConfigConvert.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/convert/config/MchProductConfigConvert.java
deleted file mode 100644
index d5ada5824..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/convert/config/MchProductConfigConvert.java
+++ /dev/null
@@ -1,16 +0,0 @@
-package org.dromara.daxpay.payment.merchant.convert.config;
-
-import org.dromara.daxpay.payment.merchant.entity.config.MchProductConfig;
-import org.dromara.daxpay.payment.merchant.result.config.MchProductConfigResult;
-import org.mapstruct.Mapper;
-import org.mapstruct.factory.Mappers;
-
-/// # 商户产品配置转换
-///
-@Mapper
-public interface MchProductConfigConvert {
-
-    MchProductConfigConvert CONVERT = Mappers.getMapper(MchProductConfigConvert.class);
-
-    MchProductConfigResult toResult(MchProductConfig entity);
-}
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/dao/config/MchProductConfigManager.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/dao/config/MchProductConfigManager.java
deleted file mode 100644
index ca6fbecff..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/dao/config/MchProductConfigManager.java
+++ /dev/null
@@ -1,29 +0,0 @@
-package org.dromara.daxpay.payment.merchant.dao.config;
-
-import org.dromara.daxpay.payment.merchant.entity.config.MchProductConfig;
-import org.dromara.daxpay.platform.common.mybatisplus.impl.BaseManager;
-import org.springframework.stereotype.Repository;
-
-import java.util.List;
-import java.util.Optional;
-
-/// # 商户产品配置
-///
-@Repository
-public class MchProductConfigManager extends BaseManager<MchProductConfigMapper, MchProductConfig> {
-
-    /// 根据商户号查询产品配置列表
-    public List<MchProductConfig> findByMchNo(String mchNo) {
-        return lambdaQuery()
-                .eq(MchProductConfig::getMchNo, mchNo)
-                .list();
-    }
-
-    /// 根据商户号和产品编码查询产品配置
-    public Optional<MchProductConfig> findByMchNoAndProduct(String mchNo, String product) {
-        return lambdaQuery()
-                .eq(MchProductConfig::getMchNo, mchNo)
-                .eq(MchProductConfig::getProduct, product)
-                .oneOpt();
-    }
-}
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/dao/config/MchProductConfigMapper.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/dao/config/MchProductConfigMapper.java
deleted file mode 100644
index 961fc563b..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/dao/config/MchProductConfigMapper.java
+++ /dev/null
@@ -1,11 +0,0 @@
-package org.dromara.daxpay.payment.merchant.dao.config;
-
-import org.dromara.daxpay.payment.merchant.entity.config.MchProductConfig;
-import com.github.yulichang.base.MPJBaseMapper;
-import org.apache.ibatis.annotations.Mapper;
-
-/// # 商户产品配置
-///
-@Mapper
-public interface MchProductConfigMapper extends MPJBaseMapper<MchProductConfig> {
-}
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/entity/config/MchProductConfig.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/entity/config/MchProductConfig.java
deleted file mode 100644
index 755eaa452..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/entity/config/MchProductConfig.java
+++ /dev/null
@@ -1,36 +0,0 @@
-package org.dromara.daxpay.payment.merchant.entity.config;
-
-import org.dromara.daxpay.platform.common.mybatisplus.function.ToResult;
-import org.dromara.daxpay.payment.common.entity.merchant.MchBaseEntity;
-import org.dromara.daxpay.payment.merchant.convert.config.MchProductConfigConvert;
-import org.dromara.daxpay.payment.merchant.result.config.MchProductConfigResult;
-import org.dromara.daxpay.platform.core.enums.pay.channel.ProductEnum;
-import com.baomidou.mybatisplus.annotation.TableName;
-import lombok.Data;
-import lombok.EqualsAndHashCode;
-import lombok.experimental.Accessors;
-
-/// # 商户产品配置
-///
-@EqualsAndHashCode(callSuper = true)
-@Data
-@Accessors(chain = true)
-@TableName("mch_product_config")
-public class MchProductConfig extends MchBaseEntity implements ToResult<MchProductConfigResult> {
-
-    /// 产品编码
-    /// @see ProductEnum
-    private String product;
-
-    /// 通道编码
-    private String channel;
-
-    /// 是否启用
-    private boolean enable;
-
-    @Override
-    public MchProductConfigResult toResult() {
-        return MchProductConfigConvert.CONVERT.toResult(this);
-    }
-}
-
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/param/config/MchProductConfigBatchParam.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/param/config/MchProductConfigBatchParam.java
deleted file mode 100644
index 3daf21199..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/param/config/MchProductConfigBatchParam.java
+++ /dev/null
@@ -1,23 +0,0 @@
-package org.dromara.daxpay.payment.merchant.param.config;
-
-import io.swagger.v3.oas.annotations.media.Schema;
-import jakarta.validation.constraints.NotBlank;
-import lombok.Data;
-import lombok.experimental.Accessors;
-
-import java.util.List;
-
-/// # 商户产品配置批量保存参数
-///
-@Data
-@Accessors(chain = true)
-@Schema(title = "商户产品配置批量保存参数")
-public class MchProductConfigBatchParam {
-
-    @Schema(description = "商户号")
-    @NotBlank(message = "{validation.field.mchNo.notBlank}")
-    private String mchNo;
-
-    @Schema(description = "产品配置列表")
-    private List<MchProductConfigItem> items;
-}
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/param/config/MchProductConfigEnableParam.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/param/config/MchProductConfigEnableParam.java
deleted file mode 100644
index ca2f80a03..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/param/config/MchProductConfigEnableParam.java
+++ /dev/null
@@ -1,29 +0,0 @@
-package org.dromara.daxpay.payment.merchant.param.config;
-
-import io.swagger.v3.oas.annotations.media.Schema;
-import jakarta.validation.constraints.NotBlank;
-import lombok.Data;
-import lombok.experimental.Accessors;
-
-/// # 商户产品配置启用状态参数
-///
-@Data
-@Accessors(chain = true)
-@Schema(title = "商户产品配置启用状态参数")
-public class MchProductConfigEnableParam {
-
-    @Schema(description = "商户号")
-    @NotBlank(message = "{validation.field.mchNo.notBlank}")
-    private String mchNo;
-
-    @Schema(description = "产品编码")
-    @NotBlank(message = "{validation.field.product.notBlank}")
-    private String product;
-
-    @Schema(description = "通道编码")
-    @NotBlank(message = "{validation.field.channel.notBlank}")
-    private String channel;
-
-    @Schema(description = "是否启用")
-    private Boolean enable;
-}
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/param/config/MchProductConfigItem.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/param/config/MchProductConfigItem.java
deleted file mode 100644
index f28513666..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/param/config/MchProductConfigItem.java
+++ /dev/null
@@ -1,22 +0,0 @@
-package org.dromara.daxpay.payment.merchant.param.config;
-
-import io.swagger.v3.oas.annotations.media.Schema;
-import lombok.Data;
-import lombok.experimental.Accessors;
-
-/// # 商户产品配置项
-///
-@Data
-@Accessors(chain = true)
-@Schema(title = "商户产品配置项")
-public class MchProductConfigItem {
-
-    @Schema(description = "产品编码")
-    private String product;
-
-    @Schema(description = "通道编码")
-    private String channel;
-
-    @Schema(description = "是否启用")
-    private Boolean enable;
-}
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/result/config/MchProductConfigResult.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/result/config/MchProductConfigResult.java
deleted file mode 100644
index 9c197179b..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/result/config/MchProductConfigResult.java
+++ /dev/null
@@ -1,34 +0,0 @@
-package org.dromara.daxpay.payment.merchant.result.config;
-
-import io.swagger.v3.oas.annotations.media.Schema;
-import lombok.Data;
-import lombok.experimental.Accessors;
-
-/// # 商户产品配置
-///
-@Data
-@Accessors(chain = true)
-@Schema(title = "商户产品配置")
-public class MchProductConfigResult {
-
-    @Schema(description = "主键ID")
-    private Long id;
-
-    @Schema(description = "产品编码")
-    private String product;
-
-    @Schema(description = "产品名称")
-    private String name;
-
-    @Schema(description = "通道编码")
-    private String channel;
-
-    @Schema(description = "通道名称")
-    private String channelName;
-
-    @Schema(description = "商户号")
-    private String mchNo;
-
-    @Schema(description = "是否启用")
-    private Boolean enable;
-}
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/config/MchProductConfigService.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/config/MchProductConfigService.java
deleted file mode 100644
index 49e880c84..000000000
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/config/MchProductConfigService.java
+++ /dev/null
@@ -1,107 +0,0 @@
-package org.dromara.daxpay.payment.merchant.service.config;
-
-import org.dromara.daxpay.payment.merchant.dao.config.MchProductConfigManager;
-import org.dromara.daxpay.payment.merchant.dao.info.MerchantInfoManager;
-import org.dromara.daxpay.payment.merchant.entity.config.MchProductConfig;
-import org.dromara.daxpay.payment.merchant.entity.info.MerchantInfo;
-import org.dromara.daxpay.payment.merchant.param.config.MchProductConfigBatchParam;
-import org.dromara.daxpay.payment.merchant.param.config.MchProductConfigEnableParam;
-import org.dromara.daxpay.payment.merchant.result.config.MchProductConfigResult;
-import org.dromara.daxpay.payment.pay.service.masterdata.product.PayProductMasterDataService;
-import org.dromara.daxpay.platform.common.mybatisplus.function.CollectorsFunction;
-import org.dromara.daxpay.platform.core.exception.DataNotExistException;
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.springframework.stereotype.Service;
-import org.springframework.transaction.annotation.Transactional;
-
-import java.util.List;
-import java.util.Map;
-import java.util.Objects;
-import java.util.Optional;
-import java.util.function.Function;
-import java.util.stream.Collectors;
-
-/// # 商户产品配置
-///
-@Slf4j
-@Service
-@RequiredArgsConstructor
-public class MchProductConfigService {
-
-    private final MchProductConfigManager productConfigManager;
-
-    private final PayProductMasterDataService PayProductMasterDataService;
-
-    private final MerchantInfoManager merchantInfoManager;
-
-    /// 产品配置列表, 根据商户进行查询, 默认返回所有产品配置, 未配置的产品默认启用状态为false
-    public List<MchProductConfigResult> findAllByMchNo(String mchNo){
-        Map<String, MchProductConfig> productConfigMap = productConfigManager.findByMchNo(mchNo)
-                .stream()
-                .collect(Collectors.toMap(MchProductConfig::getProduct, Function.identity(), CollectorsFunction::retainFirst));
-        var productList = PayProductMasterDataService.listAllByApply();
-        MerchantInfo merchantInfo = merchantInfoManager.findByMchNo(mchNo)
-                .orElseThrow(() -> new DataNotExistException("error.payment.merchant.merchantNotExist"));
-        return productList.stream().map(o -> {
-            var productConfig = productConfigMap.get(o.getCode());
-            if (Objects.isNull(productConfig)) {
-                return new MchProductConfigResult()
-                        .setProduct(o.getCode())
-                        .setName(o.getName())
-                        .setChannel(o.getChannel())
-                        .setChannelName(o.getChannelName())
-                        .setMchNo(merchantInfo.getMchNo())
-                        .setEnable(false);
-            }
-            return productConfig.toResult()
-                    .setName(o.getName())
-                    .setChannel(o.getChannel())
-                    .setChannelName(o.getChannelName())
-                    .setMchNo(merchantInfo.getMchNo());
-        }).collect(Collectors.toList());
-    }
-
-    /// 更新启用状态，如果配置不存在则自动创建
-    @Transactional(rollbackFor = Exception.class)
-    public void updateEnable(MchProductConfigEnableParam param) {
-        Optional<MchProductConfig> optional = productConfigManager
-                .findByMchNoAndProduct(param.getMchNo(), param.getProduct());
-        if (optional.isPresent()) {
-            MchProductConfig config = optional.get();
-            config.setEnable(param.getEnable());
-            productConfigManager.updateById(config);
-        } else {
-            MchProductConfig config = new MchProductConfig();
-            config.setMchNo(param.getMchNo());
-            config.setProduct(param.getProduct());
-            config.setChannel(param.getChannel());
-            config.setEnable(param.getEnable());
-            productConfigManager.save(config);
-        }
-    }
-
-    /// 批量保存商户产品配置
-    /// 已有的配置更新启用状态，没有的则新增
-    @Transactional(rollbackFor = Exception.class)
-    public void saveBatch(MchProductConfigBatchParam param) {
-        String mchNo = param.getMchNo();
-        for (var item : param.getItems()) {
-            Optional<MchProductConfig> existingConfig = productConfigManager.findByMchNoAndProduct(mchNo, item.getProduct());
-            if (existingConfig.isPresent()) {
-                MchProductConfig config = existingConfig.get();
-                config.setEnable(item.getEnable());
-                productConfigManager.updateById(config);
-            }
-            else {
-                MchProductConfig config = new MchProductConfig();
-                config.setMchNo(mchNo);
-                config.setProduct(item.getProduct());
-                config.setChannel(item.getChannel());
-                config.setEnable(item.getEnable());
-                productConfigManager.save(config);
-            }
-        }
-    }
-}
-
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/basic/PayRouteBasicConfigService.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/basic/PayRouteBasicConfigService.java
index 421e3d9dd..b1b0066e4 100644
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/basic/PayRouteBasicConfigService.java
+++ b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/basic/PayRouteBasicConfigService.java
@@ -2,10 +2,8 @@ package org.dromara.daxpay.payment.merchant.service.route.basic;
 
 import org.dromara.daxpay.payment.common.util.PaymentStrategyFactory;
 import org.dromara.daxpay.payment.merchant.dao.appinfo.MchAppInfoManager;
-import org.dromara.daxpay.payment.merchant.dao.config.MchProductConfigManager;
 import org.dromara.daxpay.payment.merchant.dao.route.basic.PayRouteBasicConfigManager;
 import org.dromara.daxpay.payment.merchant.dao.route.strategy.PayRouteStrategyManager;
-import org.dromara.daxpay.payment.merchant.entity.config.MchProductConfig;
 import org.dromara.daxpay.payment.merchant.entity.route.basic.PayRouteBasicConfig;
 import org.dromara.daxpay.payment.merchant.entity.route.strategy.PayRouteStrategy;
 import org.dromara.daxpay.payment.merchant.param.route.basic.PayRouteBasicConfigBatchParam;
@@ -14,6 +12,7 @@ import org.dromara.daxpay.payment.merchant.result.route.basic.PayRouteBasicConfi
 import org.dromara.daxpay.payment.merchant.service.route.support.PayRouteConfigProviders;
 import org.dromara.daxpay.payment.pay.strategy.AbsProductStrategy;
 import org.dromara.daxpay.platform.core.enums.pay.channel.PayProviderEnum;
+import org.dromara.daxpay.platform.core.enums.pay.channel.ProductEnum;
 import org.dromara.daxpay.platform.core.exception.BizInfoException;
 import org.dromara.daxpay.platform.core.exception.DataNotExistException;
 import org.dromara.daxpay.platform.core.code.CommonErrorCode;
@@ -22,14 +21,15 @@ import lombok.RequiredArgsConstructor;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
+import java.util.Arrays;
 import java.util.List;
 import java.util.Map;
 import java.util.stream.Collectors;
 
 /// # 通道路由基础模式配置
 ///
-/// 按支付渠道配置默认支付产品，保存前校验商户已开通产品能力。
-///
+/// 按支付渠道配置默认支付产品，保存前校验产品策略能力。
+/// 开源版：所有产品默认可用，不再检查商户启用状态。
 @Service
 @RequiredArgsConstructor
 public class PayRouteBasicConfigService {
@@ -37,25 +37,21 @@ public class PayRouteBasicConfigService {
     private final PayRouteStrategyManager strategyManager;
     private final PayRouteBasicConfigManager basicConfigManager;
     private final MchAppInfoManager mchAppInfoManager;
-    private final MchProductConfigManager mchProductConfigManager;
 
     /// 查询基础模式面板数据（已保存 product + 各渠道可选 products）
     public List<PayRouteBasicConfigResult> listBasicByAppId(String appId) {
         PayRouteStrategy strategy = requireStrategy(appId);
-        String mchNo = mchAppInfoManager.requireMchNoByAppIdNotTenant(appId);
-        List<MchProductConfig> mchProducts = enabledMchProducts(mchNo);
         Map<String, String> productMap = basicConfigManager.findByStrategyId(strategy.getId()).stream()
                 .filter(config -> StrUtil.isNotBlank(config.getProvider()))
                 .collect(Collectors.toMap(PayRouteBasicConfig::getProvider, PayRouteBasicConfig::getProduct, (a, b) -> a));
         return PayRouteConfigProviders.enumsInWhitelistOrder().stream()
-                .map(provider -> toPanelResult(provider, productMap.get(provider.getCode()), mchProducts))
+                .map(provider -> toPanelResult(provider, productMap.get(provider.getCode())))
                 .toList();
     }
 
     /// 批量保存基础模式配置（先删后插）
     @Transactional(rollbackFor = Exception.class)
     public void saveBasicBatch(PayRouteBasicConfigBatchParam param) {
-        String mchNo = mchAppInfoManager.requireMchNoByAppIdNotTenant(param.getAppId());
         PayRouteStrategy strategy = requireStrategy(param.getAppId());
         basicConfigManager.deleteByStrategyId(strategy.getId());
         for (PayRouteBasicConfigItem item : param.getItems()) {
@@ -63,7 +59,7 @@ public class PayRouteBasicConfigService {
                 continue;
             }
             PayProviderEnum provider = validateBasicPayProviderCode(item.getProvider());
-            validateBasicProduct(mchNo, item.getProduct(), provider);
+            validateBasicProduct(item.getProduct(), provider);
             PayRouteBasicConfig config = new PayRouteBasicConfig();
             config.setStrategyId(strategy.getId());
             config.setProvider(item.getProvider());
@@ -72,11 +68,14 @@ public class PayRouteBasicConfigService {
         }
     }
 
-    /// 校验产品属于该商户且支持指定支付渠道
-    public void validateBasicProduct(String mchNo, String product, PayProviderEnum provider) {
-        List<MchProductConfig> mchProducts = enabledMchProducts(mchNo);
-        List<String> products = productsForProvider(mchProducts, provider);
-        if (!products.contains(product)) {
+    /// 校验产品存在且支持指定支付渠道（开源版：不再检查商户启用状态）
+    public void validateBasicProduct(String product, PayProviderEnum provider) {
+        ProductEnum productEnum = ProductEnum.findByCode(product);
+        if (productEnum == null) {
+            throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR,
+                    "pay.route.error.productInvalid", product);
+        }
+        if (!PaymentStrategyFactory.productSupportsProvider(product, provider)) {
             throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR,
                     "pay.route.error.basicProductNotAvailable", provider.getCode());
         }
@@ -96,36 +95,26 @@ public class PayRouteBasicConfigService {
     }
 
     /// 组装单渠道基础模式面板行：已保存 product + 该渠道下可选 products
-    private PayRouteBasicConfigResult toPanelResult(
-            PayProviderEnum provider,
-            String savedProduct,
-            List<MchProductConfig> mchProducts) {
-        List<String> products = productsForProvider(mchProducts, provider);
+    private PayRouteBasicConfigResult toPanelResult(PayProviderEnum provider, String savedProduct) {
+        List<String> products = productsForProvider(provider);
         return new PayRouteBasicConfigResult()
                 .setProvider(provider.getCode())
                 .setProduct(savedProduct)
                 .setProducts(products);
     }
 
-    /// 从商户已开通产品中筛出支持指定支付渠道的产品编码
-    private List<String> productsForProvider(List<MchProductConfig> mchProducts, PayProviderEnum provider) {
-        return mchProducts.stream()
-                .map(MchProductConfig::getProduct)
+    /// 从产品枚举中筛出支持指定支付渠道的产品编码（开源版：所有产品默认可用）
+    private List<String> productsForProvider(PayProviderEnum provider) {
+        return Arrays.stream(ProductEnum.values())
+                .map(ProductEnum::getCode)
                 .filter(product -> PaymentStrategyFactory.productSupportsProvider(product, provider))
                 .distinct()
                 .toList();
     }
 
-    /// 查询商户已启用的支付产品配置
-    private List<MchProductConfig> enabledMchProducts(String mchNo) {
-        return mchProductConfigManager.findByMchNo(mchNo).stream()
-                .filter(MchProductConfig::isEnable)
-                .toList();
-    }
-
     /// 按应用号加载路由策略，不存在则抛业务异常
     private PayRouteStrategy requireStrategy(String appId) {
         return strategyManager.findByAppId(appId)
                 .orElseThrow(() -> new DataNotExistException("pay.route.error.routeStrategyNotExist"));
     }
-}
+}
\ No newline at end of file
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/basic/PayRouteBasicMatcher.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/basic/PayRouteBasicMatcher.java
index af6aae2f9..5318e9a72 100644
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/basic/PayRouteBasicMatcher.java
+++ b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/basic/PayRouteBasicMatcher.java
@@ -1,8 +1,6 @@
 package org.dromara.daxpay.payment.merchant.service.route.basic;
 
 import org.dromara.daxpay.payment.common.util.PaymentStrategyFactory;
-import org.dromara.daxpay.payment.merchant.dao.config.MchProductConfigManager;
-import org.dromara.daxpay.payment.merchant.entity.config.MchProductConfig;
 import org.dromara.daxpay.payment.merchant.entity.route.basic.PayRouteBasicConfig;
 import org.dromara.daxpay.payment.merchant.service.route.support.PayRouteCapabilityService;
 import org.dromara.daxpay.payment.merchant.service.route.model.RouteHit;
@@ -22,12 +20,12 @@ import java.util.Objects;
 
 /// # 基础模式通道路由匹配器
 ///
-/// 按已配置的支付渠道与支付产品，结合产品策略解析通道与支付方式
+/// 按已配置的支付渠道与支付产品，结合产品策略解析通道与支付方式。
+/// 开源版：所有产品默认可用，不再检查商户启用状态。
 @Component
 @RequiredArgsConstructor
 public class PayRouteBasicMatcher {
 
-    private final MchProductConfigManager productConfigManager;
     private final PayRouteProductResolver productResolver;
     private final PayRouteCapabilityService payRouteCapabilityService;
 
@@ -45,7 +43,7 @@ public class PayRouteBasicMatcher {
             throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR,
                     "pay.route.error.basicProductNotConfigured", PayRouteI18nHelper.provider(payParam.getProvider()));
         }
-        assertProductConfigured(payParam.getMchNo(), product, provider);
+        assertProductConfigured(product, provider);
         if (!PaymentStrategyFactory.existsByProduct(product, AbsProductStrategy.class)) {
             throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR,
                     "pay.route.error.productStrategyMissing");
@@ -75,18 +73,11 @@ public class PayRouteBasicMatcher {
                 .orElse(null);
     }
 
-    /// 路由配置的产品仍须在商户已开通产品范围内，且产品策略支持该支付渠道
-    private void assertProductConfigured(String mchNo, String product, PayProviderEnum provider) {
-        boolean mchEnabled = productConfigManager.findByMchNo(mchNo).stream()
-                .filter(MchProductConfig::isEnable)
-                .anyMatch(config -> Objects.equals(config.getProduct(), product));
-        if (!mchEnabled) {
-            throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR,
-                    "pay.route.error.basicProductNotAvailable", PayRouteI18nHelper.provider(provider.getCode()));
-        }
+    /// 校验产品策略支持该支付渠道（开源版：不再检查商户启用状态）
+    private void assertProductConfigured(String product, PayProviderEnum provider) {
         if (!PaymentStrategyFactory.productSupportsProvider(product, provider)) {
             throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR,
                     "pay.route.error.basicProductNotAvailable", PayRouteI18nHelper.provider(provider.getCode()));
         }
     }
-}
+}
\ No newline at end of file
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/runtime/PayRouteProductResolver.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/runtime/PayRouteProductResolver.java
index 0bf9b6a08..6acee6c81 100644
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/runtime/PayRouteProductResolver.java
+++ b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/runtime/PayRouteProductResolver.java
@@ -1,7 +1,5 @@
 package org.dromara.daxpay.payment.merchant.service.route.runtime;
 
-import org.dromara.daxpay.payment.merchant.dao.config.MchProductConfigManager;
-import org.dromara.daxpay.payment.merchant.entity.config.MchProductConfig;
 import org.dromara.daxpay.payment.merchant.service.route.support.PayRouteStrategyCapabilitySupport;
 import org.dromara.daxpay.platform.core.enums.pay.channel.PayMethodEnum;
 import org.dromara.daxpay.platform.core.enums.pay.channel.ProductEnum;
@@ -11,23 +9,23 @@ import cn.hutool.core.util.StrUtil;
 import lombok.RequiredArgsConstructor;
 import org.springframework.stereotype.Service;
 
+import java.util.Arrays;
 import java.util.Objects;
 
 /// # 通道路由产品解析器
 ///
+/// 开源版：所有产品默认可用，直接从产品枚举中按通道+支付方式解析产品编码。
 @Service
 @RequiredArgsConstructor
 public class PayRouteProductResolver {
 
-    private final MchProductConfigManager productConfigManager;
     private final PayRouteStrategyCapabilitySupport payRouteStrategyCapabilitySupport;
 
-    /// 根据商户已开通产品及支付方式解析产品编码
+    /// 根据通道及支付方式解析产品编码（开源版：所有产品默认可用）
     public String resolve(String mchNo, String channel, String method) {
-        return productConfigManager.findByMchNo(mchNo).stream()
-                .filter(MchProductConfig::isEnable)
-                .filter(config -> Objects.equals(config.getChannel(), channel))
-                .map(MchProductConfig::getProduct)
+        return Arrays.stream(ProductEnum.values())
+                .filter(pe -> Objects.equals(pe.getChannel(), channel))
+                .map(ProductEnum::getCode)
                 .filter(product -> payRouteStrategyCapabilitySupport.routeProductSupportsMethod(
                         product, PayMethodEnum.findByCode(method)))
                 .findFirst()
@@ -54,4 +52,4 @@ public class PayRouteProductResolver {
         }
         return productEnum.getChannel();
     }
-}
+}
\ No newline at end of file
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/scene/PayRouteSceneConfigService.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/scene/PayRouteSceneConfigService.java
index 9c7df66f9..a064e2d1c 100644
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/scene/PayRouteSceneConfigService.java
+++ b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/scene/PayRouteSceneConfigService.java
@@ -95,7 +95,7 @@ public class PayRouteSceneConfigService {
                             PayRouteI18nHelper.payMethod(item.getMethod()), PayRouteI18nHelper.product(item.getProduct()));
                 }
                 payRouteStrategyCapabilitySupport.validateSceneCapability(
-                        mchNo, item.getProvider(), item.getMethod(), item.getProduct(), item.getCapability());
+                        item.getProvider(), item.getMethod(), item.getProduct(), item.getCapability());
                 var route = sceneRouteResolver.resolve(item.getProduct(), item.getProvider(), item.getMethod());
                 channel = route.channel();
                 method = route.method();
@@ -143,7 +143,7 @@ public class PayRouteSceneConfigService {
             return List.of();
         }
         String mchNo = mchAppInfoManager.requireMchNoByAppIdNotTenant(appId);
-        return payRouteStrategyCapabilitySupport.listSceneProductCandidates(mchNo, provider, method);
+        return payRouteStrategyCapabilitySupport.listSceneProductCandidates(provider, method);
     }
 
     /// 按目录项与支付产品筛选支付能力候选（策略 Map ∩ DB，不落库）
@@ -153,7 +153,7 @@ public class PayRouteSceneConfigService {
             return List.of();
         }
         String mchNo = mchAppInfoManager.requireMchNoByAppIdNotTenant(appId);
-        return payRouteStrategyCapabilitySupport.listSceneCapabilityCandidates(mchNo, provider, method, product);
+        return payRouteStrategyCapabilitySupport.listSceneCapabilityCandidates(provider, method, product);
     }
 
     /// 回显推断支付能力（候选唯一时返回编码）
@@ -162,7 +162,7 @@ public class PayRouteSceneConfigService {
             return null;
         }
         String mchNo = mchAppInfoManager.requireMchNoByAppIdNotTenant(appId);
-        return payRouteStrategyCapabilitySupport.inferSceneCapability(mchNo, provider, method, product);
+        return payRouteStrategyCapabilitySupport.inferSceneCapability(provider, method, product);
     }
 
     /// 校验批量保存项：provider + method 在策略内唯一
@@ -210,7 +210,7 @@ public class PayRouteSceneConfigService {
         if (provider == null) {
             throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR, "pay.route.error.basicProviderInvalid");
         }
-        basicConfigService.validateBasicProduct(mchNo, product, provider);
+        basicConfigService.validateBasicProduct(product, provider);
     }
 
     /// 校验通道+方式可解析为商户产品且存在对应产品策略
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/support/PayRouteStrategyCapabilitySupport.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/support/PayRouteStrategyCapabilitySupport.java
index 3962ab00a..0a01ca4d8 100644
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/support/PayRouteStrategyCapabilitySupport.java
+++ b/daxpay-payment/daxpay-payment-merchant/src/main/java/org/dromara/daxpay/payment/merchant/service/route/support/PayRouteStrategyCapabilitySupport.java
@@ -1,8 +1,6 @@
 package org.dromara.daxpay.payment.merchant.service.route.support;
 
 import org.dromara.daxpay.payment.common.util.PaymentStrategyFactory;
-import org.dromara.daxpay.payment.merchant.dao.config.MchProductConfigManager;
-import org.dromara.daxpay.payment.merchant.entity.config.MchProductConfig;
 import org.dromara.daxpay.payment.merchant.param.route.scene.PayRouteSceneCapabilityBatchItem;
 import org.dromara.daxpay.payment.pay.dao.masterdata.capability.PayCapabilityManager;
 import org.dromara.daxpay.payment.pay.dao.masterdata.capability.PayProductCapabilityManager;
@@ -26,19 +24,20 @@ import lombok.RequiredArgsConstructor;
 import org.springframework.stereotype.Service;
 
 import java.util.ArrayList;
+import java.util.Arrays;
 import java.util.LinkedHashMap;
 import java.util.List;
 import java.util.Map;
 import java.util.Objects;
 
-/// # 通道路由：策略方式→能力与 DB/商户求交
+/// # 通道路由：策略方式→能力与 DB 求交
 ///
 /// 统一场景模式产品/能力候选及保存校验，数据源为 {@link AbsProductStrategy#methodCapabilityMapping()}。
+/// 开源版：所有产品默认可用，不再检查商户启用状态。
 @Service
 @RequiredArgsConstructor
 public class PayRouteStrategyCapabilitySupport {
 
-    private final MchProductConfigManager mchProductConfigManager;
     private final PayProviderMethodService payProviderMethodService;
     private final PayProductCapabilityService payProductCapabilityService;
     private final PayProductCapabilityManager payProductCapabilityManager;
@@ -54,7 +53,7 @@ public class PayRouteStrategyCapabilitySupport {
             String provider = entry.getProviderCode();
             String method = entry.getMethodCode();
             String key = PayProviderMethodManager.pairKey(provider, method);
-            index.put(key, listSceneProductCandidates(mchNo, provider, method));
+            index.put(key, listSceneProductCandidates(provider, method));
         }
         return index;
     }
@@ -72,7 +71,7 @@ public class PayRouteStrategyCapabilitySupport {
             }
             String key = capabilityBatchKey(item.getProvider(), item.getMethod(), item.getProduct());
             index.put(key, listSceneCapabilityCandidates(
-                    mchNo, item.getProvider(), item.getMethod(), item.getProduct()));
+                    item.getProvider(), item.getMethod(), item.getProduct()));
         }
         return index;
     }
@@ -82,23 +81,19 @@ public class PayRouteStrategyCapabilitySupport {
         return provider + "|" + method + "|" + product;
     }
 
-    /// 目录项下商户可用支付产品候选
-    public List<LabelValue> listSceneProductCandidates(String mchNo, String provider, String method) {
+    /// 目录项下可用支付产品候选（开源版：所有产品默认可用）
+    public List<LabelValue> listSceneProductCandidates(String provider, String method) {
         if (!payProviderMethodService.contains(provider, method)) {
             return List.of();
         }
         PayMethodEnum methodEnum = PayMethodEnum.findByCode(method);
         List<LabelValue> results = new ArrayList<>();
-        for (MchProductConfig config : mchProductConfigManager.findByMchNo(mchNo)) {
-            if (!config.isEnable() || StrUtil.isBlank(config.getProduct())) {
-                continue;
-            }
-            String product = config.getProduct();
+        for (ProductEnum pe : ProductEnum.values()) {
+            String product = pe.getCode();
             if (!routeProductSupportsMethod(product, methodEnum)) {
                 continue;
             }
-            ProductEnum productEnum = ProductEnum.findByCode(product);
-            String label = productEnum != null ? I18nUtil.getEnumName(productEnum) : product;
+            String label = I18nUtil.getEnumName(pe);
             if (results.stream().noneMatch(item -> Objects.equals(item.getValue(), product))) {
                 results.add(new LabelValue(label, product));
             }
@@ -107,13 +102,11 @@ public class PayRouteStrategyCapabilitySupport {
     }
 
     /// 指定产品+目录项下支付能力候选（策略 Map ∩ DB ∩ 能力主数据启用）
-    public List<LabelValue> listSceneCapabilityCandidates(String mchNo, String provider, String method, String product) {
+    /// 开源版：不再检查商户产品启用状态
+    public List<LabelValue> listSceneCapabilityCandidates(String provider, String method, String product) {
         if (!payProviderMethodService.contains(provider, method)) {
             return List.of();
         }
-        if (!merchantProductEnabled(mchNo, product)) {
-            return List.of();
-        }
         if (!PaymentStrategyFactory.existsByProduct(product, AbsProductStrategy.class)) {
             return List.of();
         }
@@ -126,8 +119,8 @@ public class PayRouteStrategyCapabilitySupport {
     }
 
     /// 候选唯一时返回能力编码（仅供回显）
-    public String inferSceneCapability(String mchNo, String provider, String method, String product) {
-        List<LabelValue> candidates = listSceneCapabilityCandidates(mchNo, provider, method, product);
+    public String inferSceneCapability(String provider, String method, String product) {
+        List<LabelValue> candidates = listSceneCapabilityCandidates(provider, method, product);
         if (candidates.size() == 1) {
             return candidates.getFirst().getValue();
         }
@@ -135,12 +128,12 @@ public class PayRouteStrategyCapabilitySupport {
     }
 
     /// 校验场景配置项所选能力在候选集合内
-    public void validateSceneCapability(String mchNo, String provider, String method, String product, String capability) {
+    public void validateSceneCapability(String provider, String method, String product, String capability) {
         if (StrUtil.isBlank(capability)) {
             throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR,
                     "pay.route.error.sceneCapabilityRequired");
         }
-        boolean matched = listSceneCapabilityCandidates(mchNo, provider, method, product).stream()
+        boolean matched = listSceneCapabilityCandidates(provider, method, product).stream()
                 .anyMatch(item -> Objects.equals(item.getValue(), capability));
         if (!matched) {
             PayCapabilityEnum capabilityEnum = PayCapabilityEnum.findByCode(capability);
@@ -173,11 +166,6 @@ public class PayRouteStrategyCapabilitySupport {
         return routeProductSupportsMethod(product, PayMethodEnum.findByCode(methodCode));
     }
 
-    private boolean merchantProductEnabled(String mchNo, String product) {
-        return mchProductConfigManager.findByMchNo(mchNo).stream()
-                .anyMatch(config -> config.isEnable() && Objects.equals(config.getProduct(), product));
-    }
-
     private boolean productCapabilityEnabled(String productCode, String capabilityCode) {
         if (!payProductCapabilityManager.exists(productCode, capabilityCode)) {
             return false;