diff --git a/src/main/java/com/gxwebsoft/common/core/service/EnvironmentAwarePaymentService.java b/src/main/java/com/gxwebsoft/common/core/service/EnvironmentAwarePaymentService.java
index 2155cc9..bf6ae24 100644
--- a/src/main/java/com/gxwebsoft/common/core/service/EnvironmentAwarePaymentService.java
+++ b/src/main/java/com/gxwebsoft/common/core/service/EnvironmentAwarePaymentService.java
@@ -50,15 +50,26 @@ public class EnvironmentAwarePaymentService {
             return null;
         }
 
-        // 根据环境调整回调地址
+        // 开发/测试环境允许强制覆盖，方便本地联调。
+        if (isDevelopmentEnvironment()) {
+            Payment envPayment = clonePayment(payment);
+            String notifyUrl = getEnvironmentNotifyUrl();
+            log.info("环境感知支付配置(开发/测试) - 环境: {}, 原始回调: {}, 覆盖后回调: {}",
+                activeProfile, payment.getNotifyUrl(), notifyUrl);
+            envPayment.setNotifyUrl(notifyUrl);
+            return envPayment;
+        }
+
+        // 生产/其它环境：优先使用数据库中的 notifyUrl（多租户域名可能不同）。
+        if (payment.getNotifyUrl() != null && !payment.getNotifyUrl().trim().isEmpty()) {
+            return payment;
+        }
+
+        // 数据库未配置时才兜底使用环境配置。
         Payment envPayment = clonePayment(payment);
         String notifyUrl = getEnvironmentNotifyUrl();
-        
-        log.info("环境感知支付配置 - 环境: {}, 原始回调: {}, 调整后回调: {}", 
-                activeProfile, payment.getNotifyUrl(), notifyUrl);
-        
+        log.info("环境感知支付配置(兜底) - 环境: {}, 原始回调为空，兜底回调: {}", activeProfile, notifyUrl);
         envPayment.setNotifyUrl(notifyUrl);
-        
         return envPayment;
     }
 
diff --git a/src/main/java/com/gxwebsoft/shop/service/impl/ShopOrderServiceImpl.java b/src/main/java/com/gxwebsoft/shop/service/impl/ShopOrderServiceImpl.java
index 5a4a292..da73b60 100644
--- a/src/main/java/com/gxwebsoft/shop/service/impl/ShopOrderServiceImpl.java
+++ b/src/main/java/com/gxwebsoft/shop/service/impl/ShopOrderServiceImpl.java
@@ -133,6 +133,22 @@ public class ShopOrderServiceImpl extends ServiceImpl<ShopOrderMapper, ShopOrder
         return base + suffix;
     }
 
+    private static String baseApiUrlFromNotifyUrl(String notifyUrl) {
+        if (StrUtil.isBlank(notifyUrl)) {
+            return null;
+        }
+        String u = trimTrailingSlashes(notifyUrl);
+        if (u.endsWith("/api")) {
+            return u;
+        }
+        int idx = u.indexOf("/api/");
+        if (idx >= 0) {
+            return u.substring(0, idx + "/api".length());
+        }
+        // Fallback: treat notifyUrl itself as base.
+        return u;
+    }
+
     private String prepaySnapshotKey(Payment payment, String outTradeNo) {
         return WECHAT_PREPAY_SNAPSHOT_KEY_PREFIX + payment.getMchId() + ":" + outTradeNo;
     }
@@ -188,16 +204,21 @@ public class ShopOrderServiceImpl extends ServiceImpl<ShopOrderMapper, ShopOrder
         return fen.intValueExact();
     }
 
-    private String defaultShopOrderNotifyUrl(Integer tenantId) {
-        String base = trimTrailingSlashes(config.getApiUrl());
+    private String defaultShopOrderNotifyUrl(Payment payment, Integer tenantId) {
+        String base = payment != null ? trimTrailingSlashes(payment.getNotifyUrl()) : null;
         if (StrUtil.isBlank(base) || tenantId == null) {
             return null;
         }
+        // If DB notifyUrl is already a notify endpoint (recommended), just append tenantId if missing.
+        if (base.contains("/notify")) {
+            return ensureTenantSuffix(base, tenantId);
+        }
+        // If DB notifyUrl is just the API gateway base, append the standard notify path.
         return base + "/shop/shop-order/notify/" + tenantId;
     }
 
-    private String legacySystemWxPayNotifyUrl(Integer tenantId) {
-        String base = trimTrailingSlashes(config.getApiUrl());
+    private String legacySystemWxPayNotifyUrl(Payment payment, Integer tenantId) {
+        String base = baseApiUrlFromNotifyUrl(payment != null ? payment.getNotifyUrl() : null);
         if (StrUtil.isBlank(base) || tenantId == null) {
             return null;
         }
@@ -224,18 +245,15 @@ public class ShopOrderServiceImpl extends ServiceImpl<ShopOrderMapper, ShopOrder
         if (snapshot != null && StrUtil.isNotBlank(snapshot.getNotifyUrl())) {
             urls.add(trimTrailingSlashes(snapshot.getNotifyUrl()));
         }
-        if (payment != null && StrUtil.isNotBlank(payment.getNotifyUrl())) {
-            urls.add(ensureTenantSuffix(payment.getNotifyUrl(), order.getTenantId()));
-        }
 
-        // 新默认回调（本项目已实现）
-        String shopOrderNotify = defaultShopOrderNotifyUrl(order.getTenantId());
-        if (StrUtil.isNotBlank(shopOrderNotify)) {
-            urls.add(shopOrderNotify);
+        // 回调地址优先从数据库支付配置读取
+        String paymentNotify = defaultShopOrderNotifyUrl(payment, order.getTenantId());
+        if (StrUtil.isNotBlank(paymentNotify)) {
+            urls.add(paymentNotify);
         }
 
         // 兼容历史回调地址（用于已创建订单的“重新支付”重入校验）
-        String legacySystem = legacySystemWxPayNotifyUrl(order.getTenantId());
+        String legacySystem = legacySystemWxPayNotifyUrl(payment, order.getTenantId());
         if (StrUtil.isNotBlank(legacySystem)) {
             urls.add(legacySystem);
         }