diff --git a/src/App.vue b/src/App.vue
index 2ab3483..231c48f 100644
--- a/src/App.vue
+++ b/src/App.vue
@@ -206,7 +206,7 @@ const h5WeixinGetCode = () => {
 </script>
 
 <template> 
-     <MaintenanceDialog />
+    <MaintenanceDialog />
     <RouterView />
     <WechatOverlay />
     <BindPhoneDialog />
diff --git a/src/components/Payment.vue b/src/components/Payment.vue
index de93254..40a97c0 100644
--- a/src/components/Payment.vue
+++ b/src/components/Payment.vue
@@ -116,6 +116,7 @@
 
 <script setup>
 import { ref, defineProps, watch } from "vue";
+import { showConfirmDialog } from "vant";
 const { isWeChat } = useEnv();
 const isDev = import.meta.env.DEV;
 
@@ -151,61 +152,71 @@ const router = useRouter();
 const discountPrice = ref(false); // 是否应用折扣
 
 async function getPayment() {
-    const { data, error } = await useApiFetch("/pay/payment")
-        .post({
-            id: props.id,
-            pay_method: selectedPaymentMethod.value,
-            pay_type: props.type,
-        })
-        .json();
+    showConfirmDialog({
+        title: "重要安全声明",
+        message:
+            '为保障您的个人信息与资金安全，请您务必知悉以下事项：\n\n关于平台业务：本平台官方服务仅限于大数据报告查询，不涉及也从未开展"央行征信修复"、"贷款办理"或"征信洗白"等相关业务。请注意，本平台出具的报告仅供决策参考，不可作为任何官方征信凭证或贷款依据。\n\n关于诈骗警示：任何自称与本平台合作，或以"内部渠道"、"百分百包下款"、"修复征信"等为由，诱导您进行支付的行为，均属欺诈。请您切勿相信，谨慎对待任何支付要求。\n\n关于安全提示：请您时刻保持警惕，妥善保管个人敏感信息。如遇任何索款要求或可疑承诺，请务必首先通过我平台官方公布的联系方式进行核实，切勿轻信他人。',
+    })
+        .then(async () => {
+            const { data, error } = await useApiFetch("/pay/payment")
+                .post({
+                    id: props.id,
+                    pay_method: selectedPaymentMethod.value,
+                    pay_type: props.type,
+                })
+                .json();
 
-    if (data.value && !error.value) {
-        const prepayId = data.value.data.prepay_id;
-        const orderNoFromResp = data.value.data.order_no;
+            if (data.value && !error.value) {
+                const prepayId = data.value.data.prepay_id;
+                const orderNoFromResp = data.value.data.order_no;
 
-        // 开发环境测试支付：仅当用户选择「开发环境测试支付」时后端才返回 test_payment_success
-        // 若选择支付宝/微信却收到此值，说明后端异常，不跳转、直接报错
-        if (prepayId === "test_payment_success") {
-            if (selectedPaymentMethod.value === "alipay" || selectedPaymentMethod.value === "wechat") {
-                showToast({ message: "支付参数异常，请重试", type: "fail" });
-                return;
+                // 开发环境测试支付：仅当用户选择「开发环境测试支付」时后端才返回 test_payment_success
+                // 若选择支付宝/微信却收到此值，说明后端异常，不跳转、直接报错
+                if (prepayId === "test_payment_success") {
+                    if (selectedPaymentMethod.value === "alipay" || selectedPaymentMethod.value === "wechat") {
+                        showToast({ message: "支付参数异常，请重试", type: "fail" });
+                        return;
+                    }
+                    show.value = false;
+                    router.push({
+                        path: "/payment/result",
+                        query: { orderNo: orderNoFromResp },
+                    });
+                    return;
+                }
+
+                if (selectedPaymentMethod.value === "alipay") {
+                    orderNo.value = orderNoFromResp;
+                    // 存储订单ID以便支付宝返回时获取
+                    const prepayUrl = prepayId;
+                    const paymentForm = document.createElement("form");
+                    paymentForm.method = "POST";
+                    paymentForm.action = prepayUrl;
+                    paymentForm.style.display = "none";
+                    document.body.appendChild(paymentForm);
+                    paymentForm.submit();
+                } else {
+                    const payload = data.value.data.prepay_data;
+                    WeixinJSBridge.invoke(
+                        "getBrandWCPayRequest",
+                        payload,
+                        function (res) {
+                            if (res.err_msg == "get_brand_wcpay_request:ok") {
+                                // 支付成功，直接跳转到结果页面
+                                router.push({
+                                    path: "/payment/result",
+                                    query: { orderNo: orderNoFromResp },
+                                });
+                            }
+                        }
+                    );
+                }
             }
             show.value = false;
-            router.push({
-                path: "/payment/result",
-                query: { orderNo: orderNoFromResp },
-            });
+        })
+        .catch(() => {
             return;
-        }
-
-        if (selectedPaymentMethod.value === "alipay") {
-            orderNo.value = orderNoFromResp;
-            // 存储订单ID以便支付宝返回时获取
-            const prepayUrl = prepayId;
-            const paymentForm = document.createElement("form");
-            paymentForm.method = "POST";
-            paymentForm.action = prepayUrl;
-            paymentForm.style.display = "none";
-            document.body.appendChild(paymentForm);
-            paymentForm.submit();
-        } else {
-            const payload = data.value.data.prepay_data;
-            WeixinJSBridge.invoke(
-                "getBrandWCPayRequest",
-                payload,
-                function (res) {
-                    if (res.err_msg == "get_brand_wcpay_request:ok") {
-                        // 支付成功，直接跳转到结果页面
-                        router.push({
-                            path: "/payment/result",
-                            query: { orderNo: orderNoFromResp },
-                        });
-                    }
-                }
-            );
-        }
-    }
-    show.value = false;
+        });
 }
 </script>
 
diff --git a/src/composables/useApiFetch.js b/src/composables/useApiFetch.js
index 0e8c604..65720c3 100644
--- a/src/composables/useApiFetch.js
+++ b/src/composables/useApiFetch.js
@@ -66,8 +66,10 @@ const useApiFetch = createFetch({
                     location.reload()
 
                 }
+                // 将后端返回的错误信息展示给用户（如封禁、查询暂停、参数错误等），排除需静默处理的 code
                 if (data.code !== 200002 && data.code !== 200003 && data.code !== 200004 && data.code !== 100009) {
-                    showToast({ message: data.msg });
+                    const errMsg = data.msg || data.errMsg || data.message || '请求失败，请重试';
+                    showToast({ message: errMsg });
                 }
             }
             return { data, response };
@@ -75,17 +77,14 @@ const useApiFetch = createFetch({
         async onFetchError({ error, response }) {
             console.log("error", error);
             closeToast();
-            if (response.status === 401) {
-                // 清除本地存储的 token
+            if (response?.status === 401) {
                 localStorage.removeItem("token");
-                localStorage.removeItem('refreshAfter')
-                localStorage.removeItem('accessExpire')
-                // 跳转到登录页
+                localStorage.removeItem('refreshAfter');
+                localStorage.removeItem('accessExpire');
                 router.replace("/login");
             } else {
-                if (typeof error === "string") {
-                    showToast({ message: error });
-                }
+                const errMsg = typeof error === "string" ? error : "网络异常，请重试";
+                showToast({ message: errMsg });
             }
             return { error };
         },
diff --git a/vite.config.js b/vite.config.js
index 4cf83c2..d806c54 100644
--- a/vite.config.js
+++ b/vite.config.js
@@ -16,7 +16,7 @@ export default defineConfig({
         proxy: {
             "/api/v1": {
                 target: "http://127.0.0.1:8888", // 本地接口地址
-                // target: "https://www.tianyuandb.com", // 本地接口地址
+                // target: "https://www.zhinengcha.cn", // 本地接口地址
                 changeOrigin: true,
             },
         },