diff --git a/env/.env.development b/env/.env.development
index 764ee04..8d364d2 100644
--- a/env/.env.development
+++ b/env/.env.development
@@ -4,7 +4,7 @@ NODE_ENV=development
 VITE_DELETE_CONSOLE=false
 
 #本地环境
-VITE_SERVER_BASEURL=https://howhowfresh.com/prod-api
-#VITE_SERVER_BASEURL=http://192.168.5.4:8080
+#VITE_SERVER_BASEURL=https://howhowfresh.com/prod-api
+VITE_SERVER_BASEURL=http://192.168.5.11:8080
 #VITE_SERVER_BASEURL=http://192.168.0.148:8888
 #VITE_SERVER_BASEURL=http://liuyao.nat100.top/meiguowaimai
\ No newline at end of file
diff --git a/src/locale/en.json b/src/locale/en.json
index 31ea387..059d17f 100644
--- a/src/locale/en.json
+++ b/src/locale/en.json
@@ -483,7 +483,8 @@
       "uploadPaidVoucher": "I've paid — upload proof",
       "voucherSubmitSuccess": "Proof submitted",
       "voucherSubmitFailed": "Submit failed, please try again",
-      "voucherUploadFailed": "Upload failed, please try again"
+      "voucherUploadFailed": "Upload failed, please try again",
+      "pleaseBindCreditCard": "No bank card linked. Please add a card before paying."
     },
     "store": {
       "addToCart": "Add to cart",
diff --git a/src/locale/zh-Hans.json b/src/locale/zh-Hans.json
index f414640..8d79dc8 100644
--- a/src/locale/zh-Hans.json
+++ b/src/locale/zh-Hans.json
@@ -483,7 +483,8 @@
       "uploadPaidVoucher": "我已支付，上传凭证",
       "voucherSubmitSuccess": "凭证已提交",
       "voucherSubmitFailed": "提交失败，请重试",
-      "voucherUploadFailed": "上传失败，请重试"
+      "voucherUploadFailed": "上传失败，请重试",
+      "pleaseBindCreditCard": "未绑定银行卡，请先绑定后再支付"
     },
     "store": {
       "addToCart": "加入购物车",
diff --git a/src/manifest.json b/src/manifest.json
index 860c259..c7ce6e2 100644
--- a/src/manifest.json
+++ b/src/manifest.json
@@ -2,8 +2,8 @@
     "name" : "CHEFLINK delivery",
     "appid" : "__UNI__06509BE",
     "description" : "",
-    "versionName" : "3.1.2",
-    "versionCode" : 312,
+    "versionName" : "3.1.3",
+    "versionCode" : 313,
     "transformPx" : false,
     /* 5+App特有相关 */
     "app-plus" : {
diff --git a/src/pages-store/pages/order/index.vue b/src/pages-store/pages/order/index.vue
index 2a228cc..4e8d8d2 100644
--- a/src/pages-store/pages/order/index.vue
+++ b/src/pages-store/pages/order/index.vue
@@ -188,6 +188,7 @@ const callPhoneFn = (phone: string) => {
 const payMethodOptions = ref({
   orderId: '',
   cardId: '',
+  cardNumber: '',
   payMethod: 1, // 支付方式 1信用卡 2余额
   payPassword: '',
 })
@@ -216,9 +217,20 @@ function goPay() {
   // 如果是余额支付,弹出支付密码弹窗
   if(payMethodOptions.value.payMethod === 2) {
     passwordInputRef.value?.showPasswordInput()
-  } else {
-    appMerchantOrderPayOrder()
+    return
   }
+  // 信用卡支付：必须已绑定卡（与 appMerchantOrderPayOrder 入参一致，避免 cardId/cardNumber 为空仍请求）
+  if (payMethodOptions.value.payMethod === 1) {
+    const cardId = String(payMethodOptions.value.cardId || '').trim()
+    if (!cardId) {
+      uni.showToast({
+        title: t('pages-store.order.pleaseBindCreditCard'),
+        icon: 'none',
+      })
+      return
+    }
+  }
+  appMerchantOrderPayOrder()
 }
 function payPawSuccess(password: string) {
   payMethodOptions.value.payPassword = password