diff --git a/_config/sql/update-tables.sql b/_config/sql/update-tables.sql
index 9765b76cb..93655095e 100644
--- a/_config/sql/update-tables.sql
+++ b/_config/sql/update-tables.sql
@@ -61,3 +61,17 @@ WHERE t.container_id = o.id
   AND t.trade_type = 'gateway'
   AND t.provider IS NULL
   AND o.provider IS NOT NULL;
+
+-- ============================================================
+-- pay_md_product_config 删除 configured 字段
+-- ============================================================
+-- 背景:
+--   该字段仅用于前端卡片"未配置"标签展示, 由前端保存时手动设置,
+--   无任何后端业务逻辑读取(通道模块只读 activeEnv).
+--   每个支付产品的配置存储方式各不相同(20+ 张独立 key_config/channel_merchant 表,
+--   字段差异极大), 无法用统一规则判定"是否已配置", 故该字段不可靠, 一并移除.
+-- 影响:
+--   - 升级后前端不再展示"未配置"标签, 卡片仅显示产品图标与名称.
+--   - 无任何业务逻辑受影响(路由匹配/订单处理/通道选择均不读此字段).
+-- ============================================================
+ALTER TABLE pay_md_product_config DROP COLUMN IF EXISTS configured;
diff --git a/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/service/masterdata/product/PayProductConfigService.java b/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/service/masterdata/product/PayProductConfigService.java
index 455f23ef0..780d85f74 100644
--- a/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/service/masterdata/product/PayProductConfigService.java
+++ b/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/service/masterdata/product/PayProductConfigService.java
@@ -85,7 +85,6 @@ public class PayProductConfigService {
         config.setProduct(param.getProduct());
         config.setChannel(param.getChannel());
         config.setActiveEnv(param.getActiveEnv() != null ? param.getActiveEnv() : PayEnvEnum.PROD.getCode());
-        config.setConfigured(param.isConfigured());
         config.setRemark(param.getRemark());
         payProductConfigManager.saveOrUpdate(config);
     }
@@ -127,10 +126,8 @@ public class PayProductConfigService {
         if (config != null) {
             result.setId(config.getId());
             result.setActiveEnv(config.getActiveEnv());
-            result.setConfigured(config.isConfigured());
         } else {
             result.setActiveEnv(PayEnvEnum.PROD.getCode());
-            result.setConfigured(false);
         }
 
         return result;
@@ -144,7 +141,6 @@ public class PayProductConfigService {
         config.setProduct(product);
         config.setChannel(productEnum.getChannel());
         config.setActiveEnv(PayEnvEnum.PROD.getCode());
-        config.setConfigured(false);
         payProductConfigManager.save(config);
         return config;
     }
diff --git a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/entity/product/PayProductConfig.java b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/entity/product/PayProductConfig.java
index 0e4a26874..7fb614953 100644
--- a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/entity/product/PayProductConfig.java
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/entity/product/PayProductConfig.java
@@ -26,9 +26,6 @@ public class PayProductConfig extends MpBaseEntity implements ToResult<PayProduc
     /// 生效环境: prod/sandbox
     private String activeEnv;
 
-    /// 是否已配置参数
-    private boolean configured;
-
     /// 备注
     private String remark;
 
diff --git a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/param/product/PayProductConfigParam.java b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/param/product/PayProductConfigParam.java
index 423a6c22f..711f0c1e5 100644
--- a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/param/product/PayProductConfigParam.java
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/param/product/PayProductConfigParam.java
@@ -23,9 +23,6 @@ public class PayProductConfigParam {
     @Schema(description = "生效环境: prod/sandbox")
     private String activeEnv;
 
-    @Schema(description = "是否已配置参数")
-    private boolean configured;
-
     @Schema(description = "备注")
     private String remark;
 }
diff --git a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/result/product/PayProductConfigResult.java b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/result/product/PayProductConfigResult.java
index b636815c8..83c93ef1a 100644
--- a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/result/product/PayProductConfigResult.java
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/masterdata/result/product/PayProductConfigResult.java
@@ -32,9 +32,6 @@ public class PayProductConfigResult extends BaseResult {
     @Schema(description = "生效环境: prod/sandbox")
     private String activeEnv;
 
-    @Schema(description = "是否已配置参数")
-    private boolean configured;
-
     /// 是否为服务商模式（true=服务商, false=直连）
     private boolean isv;
 }