diff --git a/backend/package.json b/backend/package.json
index b638292..fc7dcbb 100644
--- a/backend/package.json
+++ b/backend/package.json
@@ -17,7 +17,7 @@
     "db:migrate:verify": "npm run build && node dist/db/migrate-cli.js verify",
     "db:migrate:down": "npm run build && node dist/db/migrate-cli.js down",
     "test:mysql:migration": "npm run build && node tests/mysql-migration-roundtrip.test.mjs",
-    "test": "npm run build && node tests/backend-contract.test.mjs && node tests/mqtt-service.test.mjs && node tests/migration-contract.test.mjs && node tests/mysql-pool-contract.test.mjs && node tests/migration-runner.test.mjs && node tests/legacy-money.test.mjs && node tests/legacy-read-repository.test.mjs && node tests/task-repository.test.mjs && node tests/platform-config-repository.test.mjs && node tests/auth.test.mjs && node tests/rbac.test.mjs && node tests/user-management.test.mjs && node tests/store-room.test.mjs && node tests/content-management.test.mjs && node tests/store-discovery.test.mjs && node tests/store-access.test.mjs && node tests/pricing.test.mjs && node tests/order-state.test.mjs && node tests/order-management.test.mjs && node tests/order-share.test.mjs && node tests/payment.test.mjs && node tests/wechat-pay.test.mjs && node tests/third-party.test.mjs && node tests/profit-sharing.test.mjs && node tests/device.test.mjs && node tests/iot-protocol.test.mjs && node tests/device-control.test.mjs && node tests/order-device-automation.test.mjs && node tests/hardware-smoke-runner.test.mjs && node tests/wallet-ledger.test.mjs"
+    "test": "npm run build && node tests/backend-contract.test.mjs && node tests/mqtt-service.test.mjs && node tests/migration-contract.test.mjs && node tests/mysql-pool-contract.test.mjs && node tests/migration-runner.test.mjs && node tests/legacy-money.test.mjs && node tests/legacy-read-repository.test.mjs && node tests/task-repository.test.mjs && node tests/platform-config-repository.test.mjs && node tests/auth.test.mjs && node tests/rbac.test.mjs && node tests/user-management.test.mjs && node tests/store-room.test.mjs && node tests/content-management.test.mjs && node tests/store-discovery.test.mjs && node tests/store-access.test.mjs && node tests/pricing.test.mjs && node tests/order-state.test.mjs && node tests/order-management.test.mjs && node tests/order-share.test.mjs && node tests/payment.test.mjs && node tests/wechat-pay.test.mjs && node tests/third-party.test.mjs && node tests/profit-sharing.test.mjs && node tests/device.test.mjs && node tests/iot-protocol.test.mjs && node tests/device-control.test.mjs && node tests/order-device-automation.test.mjs && node tests/hardware-smoke-runner.test.mjs && node tests/wallet-ledger.test.mjs && node tests/recharge-service.test.mjs"
   },
   "dependencies": {
     "@fastify/cors": "^11.2.0",
diff --git a/backend/src/db/migration-runner.ts b/backend/src/db/migration-runner.ts
index b80b09b..5a6b0ee 100644
--- a/backend/src/db/migration-runner.ts
+++ b/backend/src/db/migration-runner.ts
@@ -41,7 +41,8 @@ const migrationFiles: Record<MigrationDirection, readonly string[]> = {
     'database/migrations/2026062218_m05d_profit_sharing.up.sql',
     'database/migrations/2026062219_m06b_device_topology.up.sql',
     'database/migrations/2026062220_m06c_iot_messages.up.sql',
-    'database/migrations/2026062421_m07a_wallet_ledger.up.sql'
+    'database/migrations/2026062421_m07a_wallet_ledger.up.sql',
+    'database/migrations/2026062422_m07b_recharge_plans.up.sql'
   ],
   verify: [
     'database/migrations/2026061601_m01b_core_schema.verify.sql',
@@ -64,9 +65,11 @@ const migrationFiles: Record<MigrationDirection, readonly string[]> = {
     'database/migrations/2026062218_m05d_profit_sharing.verify.sql',
     'database/migrations/2026062219_m06b_device_topology.verify.sql',
     'database/migrations/2026062220_m06c_iot_messages.verify.sql',
-    'database/migrations/2026062421_m07a_wallet_ledger.verify.sql'
+    'database/migrations/2026062421_m07a_wallet_ledger.verify.sql',
+    'database/migrations/2026062422_m07b_recharge_plans.verify.sql'
   ],
   down: [
+    'database/migrations/2026062422_m07b_recharge_plans.down.sql',
     'database/migrations/2026062421_m07a_wallet_ledger.down.sql',
     'database/migrations/2026062220_m06c_iot_messages.down.sql',
     'database/migrations/2026062219_m06b_device_topology.down.sql',
@@ -224,7 +227,8 @@ export async function executeMigrationPlan(
         3, 7, 5, 1,
         5, 8, 5, 2, 1,
         3, 3, 9, 1,
-        1, 1, 1, 4, 7, 1
+        1, 1, 1, 4, 7, 1,
+        1, 1, 7, 7, 1
       ][index] ?? 1;
       if (!Array.isArray(result) || result.length < minimumRows) {
         throw new Error(
diff --git a/backend/src/wallets/recharge-service.ts b/backend/src/wallets/recharge-service.ts
new file mode 100644
index 0000000..775596a
--- /dev/null
+++ b/backend/src/wallets/recharge-service.ts
@@ -0,0 +1,241 @@
+import { randomBytes } from 'node:crypto';
+import type { PoolConnection, ResultSetHeader, RowDataPacket } from 'mysql2/promise';
+import type { MySqlPool } from '../db/mysql.js';
+import type { WalletLedgerService } from './wallet-ledger-service.js';
+
+interface PlanRow extends RowDataPacket {
+  id: string;
+  tenantId: string;
+  storeId: string | null;
+  name: string;
+  payAmountCents: number;
+  giftAmountCents: number;
+  scopeType: 'TENANT' | 'STORE';
+  startsAt: Date | null;
+  endsAt: Date | null;
+  purchaseLimitPerUser: number | null;
+  status: string;
+}
+
+interface RechargeOrderRow extends RowDataPacket {
+  id: string;
+  userId: string;
+  storeId: string | null;
+  planId: string;
+  rechargeNo: string;
+  payAmountCents: number;
+  giftAmountCents: number;
+  status: string;
+}
+
+interface CountRow extends RowDataPacket { total: number }
+
+export class RechargeError extends Error {
+  constructor(public readonly code: string) { super(code); }
+}
+
+export class RechargeService {
+  constructor(
+    private readonly pool: MySqlPool,
+    private readonly wallet: Pick<WalletLedgerService, 'credit'>
+  ) {}
+
+  async createRechargeOrder(input: {
+    tenantId: string;
+    userId: string;
+    planId: string;
+    storeId?: string | null;
+    clientRequestId: string;
+    traceId: string;
+  }) {
+    return this.transaction(async (connection) => {
+      const duplicate = await this.findByRequest(connection, input);
+      if (duplicate) return rechargeResponse(duplicate, true);
+      const plan = await this.loadPlan(connection, input.tenantId, input.planId);
+      assertPlanAvailable(plan, input.storeId ?? null);
+      await this.assertPurchaseLimit(connection, input.tenantId, input.userId, plan);
+      const rechargeNo = `RCH${Date.now()}${randomBytes(4).toString('hex').toUpperCase()}`;
+      const [result] = await connection.execute<ResultSetHeader>(
+        `INSERT INTO qipai_recharge_orders
+          (tenant_id, user_id, store_id, plan_id, recharge_no, client_request_id,
+           pay_amount_cents, gift_amount_cents, trace_id)
+         VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?)`,
+        [input.tenantId, input.userId, plan.storeId ?? input.storeId ?? null, plan.id,
+          rechargeNo, input.clientRequestId, plan.payAmountCents, plan.giftAmountCents,
+          input.traceId]
+      );
+      return rechargeResponse({
+        id: String(result.insertId),
+        userId: input.userId,
+        storeId: plan.storeId ?? input.storeId ?? null,
+        planId: plan.id,
+        rechargeNo,
+        payAmountCents: plan.payAmountCents,
+        giftAmountCents: plan.giftAmountCents,
+        status: 'PENDING_PAYMENT'
+      } as RechargeOrderRow, false);
+    });
+  }
+
+  async markPaidAndCredit(input: {
+    tenantId: string;
+    rechargeOrderId: string;
+    paymentId: string;
+    traceId: string;
+  }) {
+    return this.transaction(async (connection) => {
+      const order = await this.loadRechargeOrder(connection, input, true);
+      if (order.status === 'CREDITED') {
+        return { rechargeOrderId: order.id, status: 'CREDITED', idempotent: true };
+      }
+      if (order.status !== 'PENDING_PAYMENT' && order.status !== 'PAID') {
+        throw new RechargeError('RECHARGE_STATUS_INVALID');
+      }
+      await connection.execute(
+        `UPDATE qipai_recharge_orders
+         SET status = 'PAID', payment_id = ?, paid_at = COALESCE(paid_at, UTC_TIMESTAMP(3))
+         WHERE tenant_id = ? AND id = ?`,
+        [input.paymentId, input.tenantId, order.id]
+      );
+      const plan = await this.loadPlan(connection, input.tenantId, order.planId);
+      await this.wallet.credit({
+        tenantId: input.tenantId,
+        userId: String(order.userId),
+        scopeType: plan.scopeType,
+        storeId: plan.scopeType === 'STORE' ? order.storeId : null,
+        businessType: 'RECHARGE',
+        businessId: order.id,
+        entryType: 'RECHARGE',
+        cashDeltaCents: Number(order.payAmountCents),
+        giftDeltaCents: Number(order.giftAmountCents),
+        traceId: input.traceId,
+        metadata: { paymentId: input.paymentId, rechargeNo: order.rechargeNo }
+      });
+      await connection.execute(
+        `UPDATE qipai_recharge_orders
+         SET status = 'CREDITED', credited_at = UTC_TIMESTAMP(3)
+         WHERE tenant_id = ? AND id = ?`,
+        [input.tenantId, order.id]
+      );
+      return { rechargeOrderId: order.id, status: 'CREDITED', idempotent: false };
+    });
+  }
+
+  private async loadPlan(connection: PoolConnection, tenantId: string, planId: string) {
+    const [rows] = await connection.execute<PlanRow[]>(
+      `SELECT id, tenant_id AS tenantId, store_id AS storeId, name,
+              pay_amount_cents AS payAmountCents,
+              gift_amount_cents AS giftAmountCents,
+              scope_type AS scopeType, starts_at AS startsAt, ends_at AS endsAt,
+              purchase_limit_per_user AS purchaseLimitPerUser, status
+       FROM qipai_recharge_plans
+       WHERE tenant_id = ? AND id = ? AND deleted_at IS NULL`,
+      [tenantId, planId]
+    );
+    if (!rows[0]) throw new RechargeError('RECHARGE_PLAN_NOT_FOUND');
+    return {
+      ...rows[0],
+      id: String(rows[0].id),
+      tenantId: String(rows[0].tenantId),
+      storeId: rows[0].storeId === null ? null : String(rows[0].storeId)
+    };
+  }
+
+  private async findByRequest(
+    connection: PoolConnection,
+    input: { tenantId: string; userId: string; clientRequestId: string }
+  ) {
+    const [rows] = await connection.execute<RechargeOrderRow[]>(
+      `SELECT id, user_id AS userId, store_id AS storeId, plan_id AS planId,
+              recharge_no AS rechargeNo, pay_amount_cents AS payAmountCents,
+              gift_amount_cents AS giftAmountCents, status
+       FROM qipai_recharge_orders
+       WHERE tenant_id = ? AND user_id = ? AND client_request_id = ? LIMIT 1`,
+      [input.tenantId, input.userId, input.clientRequestId]
+    );
+    return rows[0] ?? null;
+  }
+
+  private async loadRechargeOrder(
+    connection: PoolConnection,
+    input: { tenantId: string; rechargeOrderId: string },
+    lock: boolean
+  ) {
+    const [rows] = await connection.execute<RechargeOrderRow[]>(
+      `SELECT id, user_id AS userId, store_id AS storeId, plan_id AS planId,
+              recharge_no AS rechargeNo, pay_amount_cents AS payAmountCents,
+              gift_amount_cents AS giftAmountCents, status
+       FROM qipai_recharge_orders
+       WHERE tenant_id = ? AND id = ?
+       ${lock ? 'FOR UPDATE' : ''}`,
+      [input.tenantId, input.rechargeOrderId]
+    );
+    if (!rows[0]) throw new RechargeError('RECHARGE_ORDER_NOT_FOUND');
+    return {
+      ...rows[0],
+      id: String(rows[0].id),
+      userId: String(rows[0].userId),
+      storeId: rows[0].storeId === null ? null : String(rows[0].storeId),
+      planId: String(rows[0].planId)
+    };
+  }
+
+  private async assertPurchaseLimit(
+    connection: PoolConnection,
+    tenantId: string,
+    userId: string,
+    plan: PlanRow
+  ) {
+    if (!plan.purchaseLimitPerUser) return;
+    const [rows] = await connection.execute<CountRow[]>(
+      `SELECT COUNT(*) AS total FROM qipai_recharge_orders
+       WHERE tenant_id = ? AND user_id = ? AND plan_id = ?
+         AND status IN ('PENDING_PAYMENT', 'PAID', 'CREDITED')`,
+      [tenantId, userId, plan.id]
+    );
+    if (Number(rows[0]?.total ?? 0) >= Number(plan.purchaseLimitPerUser)) {
+      throw new RechargeError('RECHARGE_LIMIT_REACHED');
+    }
+  }
+
+  private async transaction<T>(work: (connection: PoolConnection) => Promise<T>) {
+    const connection = await this.pool.getConnection();
+    try {
+      await connection.beginTransaction();
+      const result = await work(connection);
+      await connection.commit();
+      return result;
+    } catch (error) {
+      await connection.rollback();
+      throw error;
+    } finally {
+      connection.release();
+    }
+  }
+}
+
+function assertPlanAvailable(plan: PlanRow, requestedStoreId: string | null) {
+  if (plan.status !== 'ACTIVE') throw new RechargeError('RECHARGE_PLAN_DISABLED');
+  const now = Date.now();
+  if (plan.startsAt && plan.startsAt.getTime() > now) {
+    throw new RechargeError('RECHARGE_PLAN_NOT_STARTED');
+  }
+  if (plan.endsAt && plan.endsAt.getTime() <= now) {
+    throw new RechargeError('RECHARGE_PLAN_EXPIRED');
+  }
+  if (plan.storeId && requestedStoreId && plan.storeId !== requestedStoreId) {
+    throw new RechargeError('RECHARGE_PLAN_STORE_MISMATCH');
+  }
+}
+
+function rechargeResponse(row: RechargeOrderRow, idempotent: boolean) {
+  return {
+    rechargeOrderId: String(row.id),
+    planId: String(row.planId),
+    rechargeNo: row.rechargeNo,
+    status: row.status,
+    payAmountCents: Number(row.payAmountCents),
+    giftAmountCents: Number(row.giftAmountCents),
+    idempotent
+  };
+}
diff --git a/backend/tests/migration-contract.test.mjs b/backend/tests/migration-contract.test.mjs
index e9e54ef..4ca4c8d 100644
--- a/backend/tests/migration-contract.test.mjs
+++ b/backend/tests/migration-contract.test.mjs
@@ -72,6 +72,9 @@ const iotMessagesVerifySql = read('database/migrations/2026062220_m06c_iot_messa
 const walletUpSql = read('database/migrations/2026062421_m07a_wallet_ledger.up.sql');
 const walletDownSql = read('database/migrations/2026062421_m07a_wallet_ledger.down.sql');
 const walletVerifySql = read('database/migrations/2026062421_m07a_wallet_ledger.verify.sql');
+const rechargeUpSql = read('database/migrations/2026062422_m07b_recharge_plans.up.sql');
+const rechargeDownSql = read('database/migrations/2026062422_m07b_recharge_plans.down.sql');
+const rechargeVerifySql = read('database/migrations/2026062422_m07b_recharge_plans.verify.sql');
 
 const coreTables = [
   'qipai_schema_migrations',
@@ -331,4 +334,16 @@ assert.match(walletUpSql, /uq_qipai_wallet_ledger_business/);
 assert.match(walletUpSql, /cash_delta_cents INT NOT NULL DEFAULT 0/);
 assert.match(walletUpSql, /gift_delta_cents INT NOT NULL DEFAULT 0/);
 
-console.log('PASS: M01-B through M07-A migration contracts are present.');
+for (const table of ['qipai_recharge_plans', 'qipai_recharge_orders']) {
+  assert.match(rechargeUpSql, new RegExp(`CREATE TABLE IF NOT EXISTS ${table}`));
+  assert.match(rechargeDownSql, new RegExp(`DROP TABLE IF EXISTS ${table}`));
+  assert.match(rechargeVerifySql, new RegExp(`'${table}'`));
+}
+assert.match(rechargeUpSql, /pay_amount_cents INT UNSIGNED NOT NULL/);
+assert.match(rechargeUpSql, /gift_amount_cents INT UNSIGNED NOT NULL DEFAULT 0/);
+assert.match(rechargeUpSql, /purchase_limit_per_user INT UNSIGNED/);
+assert.match(rechargeUpSql, /UNIQUE KEY uq_qipai_recharge_order_request/);
+assert.match(rechargeUpSql, /payment_id BIGINT UNSIGNED NULL/);
+assert.match(rechargeUpSql, /credited_at DATETIME\(3\) NULL/);
+
+console.log('PASS: M01-B through M07-B migration contracts are present.');
diff --git a/backend/tests/migration-runner.test.mjs b/backend/tests/migration-runner.test.mjs
index bfc5ca8..2cabe50 100644
--- a/backend/tests/migration-runner.test.mjs
+++ b/backend/tests/migration-runner.test.mjs
@@ -32,7 +32,8 @@ assert.match(plan.file, /2026062217_m05c_third_party\.up\.sql/);
 assert.match(plan.file, /2026062218_m05d_profit_sharing\.up\.sql/);
 assert.match(plan.file, /2026062219_m06b_device_topology\.up\.sql/);
 assert.match(plan.file, /2026062220_m06c_iot_messages\.up\.sql/);
-assert.match(plan.file, /2026062421_m07a_wallet_ledger\.up\.sql$/);
+assert.match(plan.file, /2026062421_m07a_wallet_ledger\.up\.sql/);
+assert.match(plan.file, /2026062422_m07b_recharge_plans\.up\.sql$/);
 assert.match(plan.checksum, /^[a-f0-9]{64}$/);
 assert.ok(plan.statements.length >= 11);
 
diff --git a/backend/tests/recharge-service.test.mjs b/backend/tests/recharge-service.test.mjs
new file mode 100644
index 0000000..3b2fb3b
--- /dev/null
+++ b/backend/tests/recharge-service.test.mjs
@@ -0,0 +1,220 @@
+import assert from 'node:assert/strict';
+import { RechargeError, RechargeService } from '../dist/wallets/recharge-service.js';
+
+const future = new Date(Date.now() + 86_400_000);
+const past = new Date(Date.now() - 86_400_000);
+
+function createHarness(overrides = {}) {
+  const state = {
+    plan: {
+      id: '31',
+      tenantId: '7',
+      storeId: '11',
+      name: '充 100 送 20',
+      payAmountCents: 10000,
+      giftAmountCents: 2000,
+      scopeType: 'STORE',
+      startsAt: past,
+      endsAt: future,
+      purchaseLimitPerUser: 2,
+      status: 'ACTIVE',
+      ...overrides.plan
+    },
+    orders: [],
+    nextOrderId: 900,
+    purchaseCount: overrides.purchaseCount ?? 0,
+    walletCredits: []
+  };
+
+  const connection = {
+    async beginTransaction() {},
+    async commit() {},
+    async rollback() {},
+    release() {},
+    async execute(sql, params) {
+      if (sql.includes('FROM qipai_recharge_orders') && sql.includes('client_request_id')) {
+        const duplicate = state.orders.find((order) =>
+          order.tenantId === String(params[0])
+            && order.userId === String(params[1])
+            && order.clientRequestId === params[2]
+        );
+        return [duplicate ? [toOrderRow(duplicate)] : [], []];
+      }
+      if (sql.includes('FROM qipai_recharge_plans')) {
+        if (
+          state.plan
+          && state.plan.tenantId === String(params[0])
+          && state.plan.id === String(params[1])
+        ) {
+          return [[state.plan], []];
+        }
+        return [[], []];
+      }
+      if (sql.includes('COUNT(*) AS total')) {
+        return [[{ total: state.purchaseCount }], []];
+      }
+      if (sql.includes('INSERT INTO qipai_recharge_orders')) {
+        const order = {
+          id: String(state.nextOrderId++),
+          tenantId: String(params[0]),
+          userId: String(params[1]),
+          storeId: params[2] === null ? null : String(params[2]),
+          planId: String(params[3]),
+          rechargeNo: params[4],
+          clientRequestId: params[5],
+          payAmountCents: Number(params[6]),
+          giftAmountCents: Number(params[7]),
+          traceId: params[8],
+          status: 'PENDING_PAYMENT',
+          paymentId: null
+        };
+        state.orders.push(order);
+        return [{ insertId: order.id, affectedRows: 1 }, []];
+      }
+      if (sql.includes('FROM qipai_recharge_orders') && sql.includes('FOR UPDATE')) {
+        const order = state.orders.find((item) =>
+          item.tenantId === String(params[0]) && item.id === String(params[1])
+        );
+        return [order ? [toOrderRow(order)] : [], []];
+      }
+      if (sql.includes("SET status = 'PAID'")) {
+        const order = state.orders.find((item) =>
+          item.tenantId === String(params[1]) && item.id === String(params[2])
+        );
+        order.status = 'PAID';
+        order.paymentId = String(params[0]);
+        return [{ affectedRows: 1 }, []];
+      }
+      if (sql.includes("SET status = 'CREDITED'")) {
+        const order = state.orders.find((item) =>
+          item.tenantId === String(params[0]) && item.id === String(params[1])
+        );
+        order.status = 'CREDITED';
+        return [{ affectedRows: 1 }, []];
+      }
+      throw new Error(`Unexpected SQL: ${sql}`);
+    }
+  };
+
+  const pool = {
+    async getConnection() {
+      return connection;
+    }
+  };
+  const wallet = {
+    async credit(input) {
+      state.walletCredits.push(input);
+      return {
+        ledgerEntryId: String(state.walletCredits.length),
+        cashBalanceCents: input.cashDeltaCents,
+        giftBalanceCents: input.giftDeltaCents,
+        idempotent: false
+      };
+    }
+  };
+
+  return { service: new RechargeService(pool, wallet), state };
+}
+
+function toOrderRow(order) {
+  return {
+    id: order.id,
+    userId: order.userId,
+    storeId: order.storeId,
+    planId: order.planId,
+    rechargeNo: order.rechargeNo,
+    payAmountCents: order.payAmountCents,
+    giftAmountCents: order.giftAmountCents,
+    status: order.status
+  };
+}
+
+const baseOrder = {
+  tenantId: '7',
+  userId: '21',
+  planId: '31',
+  storeId: '11',
+  clientRequestId: 'client-001',
+  traceId: 'recharge-test'
+};
+
+{
+  const { service, state } = createHarness();
+  const created = await service.createRechargeOrder(baseOrder);
+  assert.equal(created.status, 'PENDING_PAYMENT');
+  assert.equal(created.payAmountCents, 10000);
+  assert.equal(created.giftAmountCents, 2000);
+  assert.equal(created.idempotent, false);
+  assert.equal(state.orders.length, 1);
+
+  const duplicate = await service.createRechargeOrder(baseOrder);
+  assert.equal(duplicate.rechargeOrderId, created.rechargeOrderId);
+  assert.equal(duplicate.idempotent, true);
+  assert.equal(state.orders.length, 1);
+}
+
+{
+  const { service } = createHarness({ plan: { status: 'DISABLED' } });
+  await assert.rejects(
+    () => service.createRechargeOrder(baseOrder),
+    (error) => error instanceof RechargeError && error.code === 'RECHARGE_PLAN_DISABLED'
+  );
+}
+
+{
+  const { service } = createHarness({ plan: { endsAt: past } });
+  await assert.rejects(
+    () => service.createRechargeOrder(baseOrder),
+    (error) => error instanceof RechargeError && error.code === 'RECHARGE_PLAN_EXPIRED'
+  );
+}
+
+{
+  const { service } = createHarness({ purchaseCount: 2 });
+  await assert.rejects(
+    () => service.createRechargeOrder(baseOrder),
+    (error) => error instanceof RechargeError && error.code === 'RECHARGE_LIMIT_REACHED'
+  );
+}
+
+{
+  const { service, state } = createHarness();
+  const created = await service.createRechargeOrder(baseOrder);
+  const credited = await service.markPaidAndCredit({
+    tenantId: '7',
+    rechargeOrderId: created.rechargeOrderId,
+    paymentId: '501',
+    traceId: 'payment-callback'
+  });
+  assert.equal(credited.status, 'CREDITED');
+  assert.equal(credited.idempotent, false);
+  assert.equal(state.orders[0].status, 'CREDITED');
+  assert.equal(state.walletCredits.length, 1);
+  assert.deepEqual(
+    {
+      businessType: state.walletCredits[0].businessType,
+      businessId: state.walletCredits[0].businessId,
+      cashDeltaCents: state.walletCredits[0].cashDeltaCents,
+      giftDeltaCents: state.walletCredits[0].giftDeltaCents,
+      storeId: state.walletCredits[0].storeId
+    },
+    {
+      businessType: 'RECHARGE',
+      businessId: created.rechargeOrderId,
+      cashDeltaCents: 10000,
+      giftDeltaCents: 2000,
+      storeId: '11'
+    }
+  );
+
+  const duplicateCallback = await service.markPaidAndCredit({
+    tenantId: '7',
+    rechargeOrderId: created.rechargeOrderId,
+    paymentId: '501',
+    traceId: 'payment-callback'
+  });
+  assert.equal(duplicateCallback.idempotent, true);
+  assert.equal(state.walletCredits.length, 1);
+}
+
+console.log('PASS: M07-B recharge plans validate limits and credit paid callbacks idempotently.');
diff --git a/database/migrations/2026062422_m07b_recharge_plans.down.sql b/database/migrations/2026062422_m07b_recharge_plans.down.sql
new file mode 100644
index 0000000..d7ef98d
--- /dev/null
+++ b/database/migrations/2026062422_m07b_recharge_plans.down.sql
@@ -0,0 +1,4 @@
+DROP TABLE IF EXISTS qipai_recharge_orders;
+DROP TABLE IF EXISTS qipai_recharge_plans;
+
+DELETE FROM qipai_schema_migrations WHERE version = '2026062422';
diff --git a/database/migrations/2026062422_m07b_recharge_plans.up.sql b/database/migrations/2026062422_m07b_recharge_plans.up.sql
new file mode 100644
index 0000000..4f8abae
--- /dev/null
+++ b/database/migrations/2026062422_m07b_recharge_plans.up.sql
@@ -0,0 +1,58 @@
+CREATE TABLE IF NOT EXISTS qipai_recharge_plans (
+  id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
+  tenant_id BIGINT UNSIGNED NOT NULL,
+  store_id BIGINT UNSIGNED NULL,
+  name VARCHAR(128) NOT NULL,
+  pay_amount_cents INT UNSIGNED NOT NULL,
+  gift_amount_cents INT UNSIGNED NOT NULL DEFAULT 0,
+  scope_type VARCHAR(16) NOT NULL DEFAULT 'TENANT',
+  starts_at DATETIME(3) NULL,
+  ends_at DATETIME(3) NULL,
+  purchase_limit_per_user INT UNSIGNED NULL,
+  status VARCHAR(32) NOT NULL DEFAULT 'ACTIVE',
+  created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3),
+  updated_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3)
+    ON UPDATE CURRENT_TIMESTAMP(3),
+  deleted_at DATETIME(3) NULL,
+  CONSTRAINT fk_qipai_recharge_plan_tenant
+    FOREIGN KEY (tenant_id) REFERENCES qipai_tenants(id),
+  CONSTRAINT fk_qipai_recharge_plan_store
+    FOREIGN KEY (store_id) REFERENCES qipai_stores(id),
+  KEY idx_qipai_recharge_plan_scope (tenant_id, store_id, status, starts_at, ends_at)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS qipai_recharge_orders (
+  id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
+  tenant_id BIGINT UNSIGNED NOT NULL,
+  user_id BIGINT UNSIGNED NOT NULL,
+  store_id BIGINT UNSIGNED NULL,
+  plan_id BIGINT UNSIGNED NOT NULL,
+  payment_id BIGINT UNSIGNED NULL,
+  recharge_no VARCHAR(64) NOT NULL,
+  client_request_id VARCHAR(128) NOT NULL,
+  pay_amount_cents INT UNSIGNED NOT NULL,
+  gift_amount_cents INT UNSIGNED NOT NULL DEFAULT 0,
+  status VARCHAR(32) NOT NULL DEFAULT 'PENDING_PAYMENT',
+  paid_at DATETIME(3) NULL,
+  credited_at DATETIME(3) NULL,
+  trace_id VARCHAR(128) NOT NULL,
+  created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3),
+  updated_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3)
+    ON UPDATE CURRENT_TIMESTAMP(3),
+  CONSTRAINT fk_qipai_recharge_order_tenant
+    FOREIGN KEY (tenant_id) REFERENCES qipai_tenants(id),
+  CONSTRAINT fk_qipai_recharge_order_user
+    FOREIGN KEY (user_id) REFERENCES qipai_users(id),
+  CONSTRAINT fk_qipai_recharge_order_store
+    FOREIGN KEY (store_id) REFERENCES qipai_stores(id),
+  CONSTRAINT fk_qipai_recharge_order_plan
+    FOREIGN KEY (plan_id) REFERENCES qipai_recharge_plans(id),
+  CONSTRAINT fk_qipai_recharge_order_payment
+    FOREIGN KEY (payment_id) REFERENCES qipai_payments(id),
+  UNIQUE KEY uq_qipai_recharge_order_no (tenant_id, recharge_no),
+  UNIQUE KEY uq_qipai_recharge_order_request (tenant_id, user_id, client_request_id),
+  KEY idx_qipai_recharge_order_user (tenant_id, user_id, status, created_at)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+INSERT IGNORE INTO qipai_schema_migrations (version, name)
+VALUES ('2026062422', 'm07b_recharge_plans');
diff --git a/database/migrations/2026062422_m07b_recharge_plans.verify.sql b/database/migrations/2026062422_m07b_recharge_plans.verify.sql
new file mode 100644
index 0000000..6e2b752
--- /dev/null
+++ b/database/migrations/2026062422_m07b_recharge_plans.verify.sql
@@ -0,0 +1,29 @@
+SELECT 'qipai_recharge_plans' AS table_name
+FROM information_schema.tables
+WHERE table_schema = DATABASE() AND table_name = 'qipai_recharge_plans';
+
+SELECT 'qipai_recharge_orders' AS table_name
+FROM information_schema.tables
+WHERE table_schema = DATABASE() AND table_name = 'qipai_recharge_orders';
+
+SELECT column_name
+FROM information_schema.columns
+WHERE table_schema = DATABASE()
+  AND table_name = 'qipai_recharge_plans'
+  AND column_name IN (
+    'pay_amount_cents', 'gift_amount_cents', 'purchase_limit_per_user',
+    'scope_type', 'starts_at', 'ends_at', 'status'
+  );
+
+SELECT column_name
+FROM information_schema.columns
+WHERE table_schema = DATABASE()
+  AND table_name = 'qipai_recharge_orders'
+  AND column_name IN (
+    'client_request_id', 'pay_amount_cents', 'gift_amount_cents',
+    'payment_id', 'paid_at', 'credited_at', 'status'
+  );
+
+SELECT '2026062422' AS version
+FROM qipai_schema_migrations
+WHERE version = '2026062422';