diff --git a/src/router/index.ts b/src/router/index.ts
index 569bb8b..fb6357d 100644
--- a/src/router/index.ts
+++ b/src/router/index.ts
@@ -69,6 +69,16 @@ const routes: Array<RouteRecordRaw> = [
     component: () => import("@/views/address/add.vue"),
     meta: { requiresAuth: true },
   },
+  {
+    path: "/payment",
+    component: () => import("@/views/payment/index.vue"),
+    meta: { requiresAuth: true },
+  },
+  {
+    path: "/payment/add",
+    component: () => import("@/views/payment/add.vue"),
+    meta: { requiresAuth: true },
+  },
 ];
 
 const router = createRouter({
diff --git a/src/views/payment/add.vue b/src/views/payment/add.vue
new file mode 100644
index 0000000..ad9b796
--- /dev/null
+++ b/src/views/payment/add.vue
@@ -0,0 +1,474 @@
+<script lang='ts' setup>
+import { toastController } from "@ionic/vue";
+import { cardOutline, checkmarkCircleOutline, logoAlipay, personOutline } from "ionicons/icons";
+import zod from "zod";
+
+const router = useRouter();
+const route = useRoute();
+
+const paymentType = ref<"bank" | "alipay">("bank");
+
+const bankFormData = ref({
+  name: "",
+  bankName: "",
+  bankBranch: "",
+  cardNumber: "",
+  isDefault: false,
+});
+
+const alipayFormData = ref({
+  name: "",
+  account: "",
+  isDefault: false,
+});
+
+const isSubmitting = ref(false);
+const isEditMode = computed(() => !!route.query.id);
+
+// 银行卡表单验证 Schema
+const BankSchema = zod.object({
+  name: zod
+    .string()
+    .min(2, "请输入持卡人姓名")
+    .max(20, "姓名长度不能超过20个字符"),
+
+  bankName: zod
+    .string()
+    .min(2, "请输入银行名称")
+    .max(50, "银行名称长度不能超过50个字符"),
+
+  bankBranch: zod
+    .string()
+    .min(2, "请输入开户行")
+    .max(100, "开户行长度不能超过100个字符"),
+
+  cardNumber: zod
+    .string()
+    .min(1, "请输入银行卡号")
+    .regex(/^\d{16,19}$/, "请输入正确的银行卡号（16-19位数字）"),
+});
+
+// 支付宝表单验证 Schema
+const AlipaySchema = zod.object({
+  name: zod
+    .string()
+    .min(2, "请输入真实姓名")
+    .max(20, "姓名长度不能超过20个字符"),
+
+  account: zod
+    .string()
+    .min(1, "请输入支付宝账号")
+    .refine(
+      (val) => {
+        // 支持手机号或邮箱
+        const phoneRegex = /^1[3-9]\d{9}$/;
+        const emailRegex = /^[^\s@]+@[^\s@][^\s.@]*\.[^\s@]+$/;
+        return phoneRegex.test(val) || emailRegex.test(val);
+      },
+      "请输入正确的支付宝账号（手机号或邮箱）",
+    ),
+});
+
+async function showToast(message: string, color: "success" | "danger" | "warning" = "danger") {
+  const toast = await toastController.create({
+    message,
+    duration: 2000,
+    position: "top",
+    color,
+  });
+  await toast.present();
+}
+
+// 如果是编辑模式，加载数据
+onMounted(() => {
+  if (isEditMode.value) {
+    // TODO: 根据 route.query.id 加载收款方式数据
+    // 模拟数据
+    paymentType.value = "bank";
+    bankFormData.value = {
+      name: "张三",
+      bankName: "中国工商银行",
+      bankBranch: "北京朝阳支行",
+      cardNumber: "6222021234567891234",
+      isDefault: true,
+    };
+  }
+});
+
+async function handleSubmit() {
+  let result;
+
+  if (paymentType.value === "bank") {
+    result = BankSchema.safeParse(bankFormData.value);
+  }
+  else {
+    result = AlipaySchema.safeParse(alipayFormData.value);
+  }
+
+  if (!result.success) {
+    const first = result.error.issues[0];
+    await showToast(first.message);
+    return;
+  }
+
+  isSubmitting.value = true;
+  try {
+    // TODO: 调用添加/编辑收款方式 API
+    // const formData = paymentType.value === "bank" ? bankFormData.value : alipayFormData.value;
+    // if (isEditMode.value) {
+    //   await safeClient(client.api.payment[route.query.id].put({ ...formData, type: paymentType.value }));
+    // } else {
+    //   await safeClient(client.api.payment.post({ ...formData, type: paymentType.value }));
+    // }
+
+    // 模拟 API 调用
+    await new Promise(resolve => setTimeout(resolve, 1000));
+
+    await showToast(isEditMode.value ? "收款方式修改成功" : "收款方式添加成功", "success");
+    router.back();
+  }
+  catch (error) {
+    await showToast("操作失败，请重试", "danger");
+  }
+  finally {
+    isSubmitting.value = false;
+  }
+}
+</script>
+
+<template>
+  <ion-page>
+    <ion-header class="ion-no-border">
+      <ion-toolbar class="ion-toolbar">
+        <ion-buttons slot="start">
+          <back-button />
+        </ion-buttons>
+        <ion-title>{{ isEditMode ? '编辑收款方式' : '添加收款方式' }}</ion-title>
+      </ion-toolbar>
+    </ion-header>
+
+    <ion-content class="ion-padding">
+      <div class="space-y-5">
+        <!-- 提示信息 -->
+        <div class="info-card">
+          <ion-icon :icon="checkmarkCircleOutline" class="text-2xl text-[#c41e3a]" />
+          <div class="text-sm text-[#666] leading-relaxed">
+            请填写准确的收款信息，确保能够正常收款。
+          </div>
+        </div>
+
+        <!-- 类型选择 -->
+        <div v-if="!isEditMode" class="type-selector">
+          <div class="type-title">
+            选择收款方式类型
+          </div>
+          <div class="type-buttons">
+            <div
+              class="type-button"
+              :class="{ active: paymentType === 'bank' }"
+              @click="paymentType = 'bank'"
+            >
+              <ion-icon :icon="cardOutline" class="type-icon" />
+              <span>银行卡</span>
+            </div>
+            <div
+              class="type-button"
+              :class="{ active: paymentType === 'alipay' }"
+              @click="paymentType = 'alipay'"
+            >
+              <ion-icon :icon="logoAlipay" class="type-icon" />
+              <span>支付宝</span>
+            </div>
+          </div>
+        </div>
+
+        <!-- 银行卡表单 -->
+        <div v-if="paymentType === 'bank'" class="form-card">
+          <div class="space-y-4">
+            <!-- 持卡人姓名 -->
+            <div class="form-item">
+              <div class="flex items-center gap-2 mb-2">
+                <ion-icon :icon="personOutline" class="text-lg text-primary" />
+                <label class="form-label">持卡人姓名</label>
+              </div>
+              <ion-item lines="none" class="input-item">
+                <ion-input
+                  v-model="bankFormData.name"
+                  type="text"
+                  placeholder="请输入持卡人姓名"
+                  class="custom-input"
+                  :maxlength="20"
+                />
+              </ion-item>
+            </div>
+
+            <!-- 银行名称 -->
+            <div class="form-item">
+              <div class="flex items-center gap-2 mb-2">
+                <ion-icon :icon="cardOutline" class="text-lg text-primary" />
+                <label class="form-label">银行名称</label>
+              </div>
+              <ion-item lines="none" class="input-item">
+                <ion-input
+                  v-model="bankFormData.bankName"
+                  type="text"
+                  placeholder="例如：中国工商银行"
+                  class="custom-input"
+                  :maxlength="50"
+                />
+              </ion-item>
+            </div>
+
+            <!-- 开户行 -->
+            <div class="form-item">
+              <div class="flex items-center gap-2 mb-2">
+                <ion-icon :icon="cardOutline" class="text-lg text-primary" />
+                <label class="form-label">开户行</label>
+              </div>
+              <ion-item lines="none" class="input-item">
+                <ion-input
+                  v-model="bankFormData.bankBranch"
+                  type="text"
+                  placeholder="例如：北京朝阳支行"
+                  class="custom-input"
+                  :maxlength="100"
+                />
+              </ion-item>
+            </div>
+
+            <!-- 银行卡号 -->
+            <div class="form-item">
+              <div class="flex items-center gap-2 mb-2">
+                <ion-icon :icon="cardOutline" class="text-lg text-primary" />
+                <label class="form-label">银行卡号</label>
+              </div>
+              <ion-item lines="none" class="input-item">
+                <ion-input
+                  v-model="bankFormData.cardNumber"
+                  type="tel"
+                  placeholder="请输入银行卡号"
+                  class="custom-input"
+                  :maxlength="19"
+                />
+              </ion-item>
+            </div>
+
+            <!-- 设为默认 -->
+            <div class="form-item">
+              <div class="flex items-center justify-between">
+                <label class="form-label">设为默认收款方式</label>
+                <ion-toggle v-model="bankFormData.isDefault" color="danger" />
+              </div>
+            </div>
+          </div>
+        </div>
+
+        <!-- 支付宝表单 -->
+        <div v-else class="form-card">
+          <div class="space-y-4">
+            <!-- 支付宝姓名 -->
+            <div class="form-item">
+              <div class="flex items-center gap-2 mb-2">
+                <ion-icon :icon="personOutline" class="text-lg text-[#1677ff]" />
+                <label class="form-label">支付宝姓名</label>
+              </div>
+              <ion-item lines="none" class="input-item">
+                <ion-input
+                  v-model="alipayFormData.name"
+                  type="text"
+                  placeholder="请输入支付宝实名姓名"
+                  class="custom-input"
+                  :maxlength="20"
+                />
+              </ion-item>
+            </div>
+
+            <!-- 支付宝账号 -->
+            <div class="form-item">
+              <div class="flex items-center gap-2 mb-2">
+                <ion-icon :icon="logoAlipay" class="text-lg text-[#1677ff]" />
+                <label class="form-label">支付宝账号</label>
+              </div>
+              <ion-item lines="none" class="input-item">
+                <ion-input
+                  v-model="alipayFormData.account"
+                  type="text"
+                  placeholder="请输入手机号或邮箱"
+                  class="custom-input"
+                />
+              </ion-item>
+              <div class="text-xs text-[#999] mt-1 ml-1">
+                支持手机号或邮箱格式
+              </div>
+            </div>
+
+            <!-- 设为默认 -->
+            <div class="form-item">
+              <div class="flex items-center justify-between">
+                <label class="form-label">设为默认收款方式</label>
+                <ion-toggle v-model="alipayFormData.isDefault" color="danger" />
+              </div>
+            </div>
+          </div>
+        </div>
+
+        <!-- 提交按钮 -->
+        <ion-button
+          expand="block"
+          class="submit-button"
+          :disabled="isSubmitting"
+          @click="handleSubmit"
+        >
+          <ion-spinner v-if="isSubmitting" name="crescent" />
+          <span v-else>{{ isEditMode ? '保存修改' : '保存收款方式' }}</span>
+        </ion-button>
+
+        <!-- 安全提示 -->
+        <div class="notice-card">
+          <div class="text-sm font-semibold text-[#333] mb-2">
+            安全提示：
+          </div>
+          <ul class="text-xs text-[#666] space-y-1 pl-4">
+            <li>• 请确保填写的收款信息准确无误</li>
+            <li>• 收款信息仅用于提现和收款，我们会严格保密</li>
+            <li>• 银行卡需与实名认证信息一致</li>
+            <li>• 如需修改收款方式，请联系客服</li>
+          </ul>
+        </div>
+      </div>
+    </ion-content>
+  </ion-page>
+</template>
+
+<style lang='css' scoped>
+.info-card {
+  display: flex;
+  align-items: flex-start;
+  gap: 12px;
+  padding: 16px;
+  background: linear-gradient(135deg, #fff5f5 0%, #ffffff 100%);
+  border-radius: 12px;
+  border: 1px solid #ffe0e0;
+}
+
+.type-selector {
+  background: white;
+  border-radius: 16px;
+  padding: 20px;
+  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
+}
+
+.type-title {
+  font-size: 15px;
+  font-weight: 600;
+  color: #333;
+  margin-bottom: 16px;
+}
+
+.type-buttons {
+  display: grid;
+  grid-template-columns: 1fr 1fr;
+  gap: 12px;
+}
+
+.type-button {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  padding: 24px 16px;
+  background: #f7f8fa;
+  border: 2px solid #e5e7eb;
+  border-radius: 12px;
+  cursor: pointer;
+  transition: all 0.3s ease;
+}
+
+.type-button.active {
+  background: linear-gradient(135deg, #fff5f5 0%, #ffffff 100%);
+  border-color: #c41e3a;
+}
+
+.type-button:active {
+  transform: scale(0.98);
+}
+
+.type-icon {
+  font-size: 32px;
+  color: #666;
+  margin-bottom: 8px;
+}
+
+.type-button.active .type-icon {
+  color: #c41e3a;
+}
+
+.type-button span {
+  font-size: 14px;
+  font-weight: 600;
+  color: #666;
+}
+
+.type-button.active span {
+  color: #c41e3a;
+}
+
+.form-card {
+  background: white;
+  border-radius: 16px;
+  padding: 20px;
+  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
+}
+
+.form-item {
+  margin-bottom: 20px;
+}
+
+.form-item:last-child {
+  margin-bottom: 0;
+}
+
+.form-label {
+  font-size: 15px;
+  font-weight: 600;
+  color: #333;
+}
+
+.input-item {
+  --background: #f7f8fa;
+  --border-radius: 12px;
+  --padding-start: 16px;
+  --padding-end: 16px;
+  --min-height: 48px;
+}
+
+.custom-input {
+  --placeholder-color: #999;
+  --placeholder-opacity: 1;
+  font-size: 15px;
+}
+
+.submit-button {
+  --background: linear-gradient(135deg, #c41e3a 0%, #8b1a2e 100%);
+  --background-activated: linear-gradient(135deg, #8b1a2e 0%, #c41e3a 100%);
+  --border-radius: 12px;
+  --padding-top: 14px;
+  --padding-bottom: 14px;
+  font-weight: 600;
+  font-size: 16px;
+  margin-top: 8px;
+  text-transform: none;
+  letter-spacing: 0.5px;
+}
+
+.notice-card {
+  background: #f9fafb;
+  border-radius: 12px;
+  padding: 16px;
+  border: 1px solid #e5e7eb;
+}
+
+.notice-card ul li {
+  line-height: 1.8;
+}
+</style>
diff --git a/src/views/payment/index.vue b/src/views/payment/index.vue
new file mode 100644
index 0000000..83158ce
--- /dev/null
+++ b/src/views/payment/index.vue
@@ -0,0 +1,351 @@
+<script lang='ts' setup>
+import { alertController, toastController } from "@ionic/vue";
+import { addOutline, cardOutline, checkmarkCircleOutline, createOutline, logoAlipay, trashOutline } from "ionicons/icons";
+
+const router = useRouter();
+
+interface PaymentMethod {
+  id: number;
+  type: "bank" | "alipay";
+  name: string;
+  account: string;
+  bankName?: string;
+  bankBranch?: string;
+  isDefault: boolean;
+}
+
+const paymentMethods = ref<PaymentMethod[]>([
+  {
+    id: 1,
+    type: "bank",
+    name: "张三",
+    account: "6222 **** **** 1234",
+    bankName: "中国工商银行",
+    bankBranch: "北京朝阳支行",
+    isDefault: true,
+  },
+  {
+    id: 2,
+    type: "alipay",
+    name: "李四",
+    account: "138****8000",
+    isDefault: false,
+  },
+]);
+
+async function showToast(message: string, color: "success" | "danger" | "warning" = "success") {
+  const toast = await toastController.create({
+    message,
+    duration: 2000,
+    position: "top",
+    color,
+  });
+  await toast.present();
+}
+
+function handleAdd() {
+  router.push("/payment/add");
+}
+
+function handleEdit(payment: PaymentMethod) {
+  router.push(`/payment/add?id=${payment.id}`);
+}
+
+async function handleSetDefault(payment: PaymentMethod) {
+  if (payment.isDefault) {
+    return;
+  }
+
+  paymentMethods.value.forEach((item) => {
+    item.isDefault = false;
+  });
+
+  payment.isDefault = true;
+
+  // TODO: 调用 API 更新默认收款方式
+  await showToast("已设为默认收款方式");
+}
+
+async function handleDelete(payment: PaymentMethod) {
+  const alert = await alertController.create({
+    header: "确认删除",
+    message: `确定要删除这个收款方式吗？`,
+    buttons: [
+      {
+        text: "取消",
+        role: "cancel",
+      },
+      {
+        text: "删除",
+        role: "destructive",
+        handler: async () => {
+          if (payment.isDefault && paymentMethods.value.length > 1) {
+            const otherPayment = paymentMethods.value.find(item => item.id !== payment.id);
+            if (otherPayment) {
+              otherPayment.isDefault = true;
+            }
+          }
+
+          const index = paymentMethods.value.findIndex(item => item.id === payment.id);
+          if (index > -1) {
+            paymentMethods.value.splice(index, 1);
+          }
+
+          // TODO: 调用 API 删除收款方式
+          await showToast("删除成功");
+        },
+      },
+    ],
+  });
+
+  await alert.present();
+}
+
+function getPaymentIcon(type: string) {
+  return type === "bank" ? cardOutline : logoAlipay;
+}
+
+function getPaymentTypeName(type: string) {
+  return type === "bank" ? "银行卡" : "支付宝";
+}
+
+function maskAccount(account: string) {
+  // 如果已经是脱敏格式，直接返回
+  if (account.includes("*")) {
+    return account;
+  }
+  // 否则进行脱敏处理
+  if (account.length > 8) {
+    return `${account.slice(0, 4)} **** **** ${account.slice(-4)}`;
+  }
+  return account;
+}
+</script>
+
+<template>
+  <ion-page>
+    <ion-header class="ion-no-border">
+      <ion-toolbar class="ion-toolbar">
+        <ion-buttons slot="start">
+          <back-button />
+        </ion-buttons>
+        <ion-title>收款方式</ion-title>
+        <ion-buttons slot="end">
+          <ion-button @click="handleAdd">
+            <ion-icon slot="icon-only" :icon="addOutline" />
+          </ion-button>
+        </ion-buttons>
+      </ion-toolbar>
+    </ion-header>
+
+    <ion-content>
+      <div v-if="paymentMethods.length > 0" class="ion-padding">
+        <div class="space-y-3">
+          <div
+            v-for="payment in paymentMethods"
+            :key="payment.id"
+            class="payment-card"
+          >
+            <!-- 收款方式信息 -->
+            <div class="payment-info">
+              <div class="flex items-center justify-between mb-3">
+                <div class="flex items-center gap-2">
+                  <ion-icon
+                    :icon="getPaymentIcon(payment.type)"
+                    class="text-2xl"
+                    :class="payment.type === 'alipay' ? 'text-[#1677ff]' : 'text-primary'"
+                  />
+                  <span class="payment-type">{{ getPaymentTypeName(payment.type) }}</span>
+                </div>
+                <ion-badge v-if="payment.isDefault" color="danger" class="default-badge">
+                  默认
+                </ion-badge>
+              </div>
+
+              <div class="payment-details">
+                <div class="detail-row">
+                  <span class="label">姓名</span>
+                  <span class="value">{{ payment.name }}</span>
+                </div>
+                <div class="detail-row">
+                  <span class="label">账号</span>
+                  <span class="value">{{ maskAccount(payment.account) }}</span>
+                </div>
+                <div v-if="payment.type === 'bank' && payment.bankName" class="detail-row">
+                  <span class="label">银行</span>
+                  <span class="value">{{ payment.bankName }}</span>
+                </div>
+                <div v-if="payment.type === 'bank' && payment.bankBranch" class="detail-row">
+                  <span class="label">开户行</span>
+                  <span class="value">{{ payment.bankBranch }}</span>
+                </div>
+              </div>
+            </div>
+
+            <!-- 操作按钮 -->
+            <div class="payment-actions">
+              <ion-button
+                fill="clear"
+                size="small"
+                @click="handleSetDefault(payment)"
+              >
+                <ion-icon slot="start" :icon="checkmarkCircleOutline" />
+                {{ payment.isDefault ? '默认方式' : '设为默认' }}
+              </ion-button>
+
+              <div class="flex gap-2">
+                <ion-button
+                  fill="clear"
+                  size="small"
+                  color="medium"
+                  @click="handleEdit(payment)"
+                >
+                  <ion-icon slot="start" :icon="createOutline" />
+                  编辑
+                </ion-button>
+
+                <ion-button
+                  fill="clear"
+                  size="small"
+                  color="danger"
+                  @click="handleDelete(payment)"
+                >
+                  <ion-icon slot="start" :icon="trashOutline" />
+                  删除
+                </ion-button>
+              </div>
+            </div>
+          </div>
+        </div>
+      </div>
+
+      <!-- 空状态 -->
+      <div v-else class="empty-state">
+        <empty title="暂无收款方式">
+          <template #icon>
+            <ion-icon :icon="cardOutline" class="empty-icon" />
+          </template>
+          <template #extra>
+            <ion-button class="add-button" @click="handleAdd">
+              <ion-icon slot="start" :icon="addOutline" />
+              添加收款方式
+            </ion-button>
+          </template>
+        </empty>
+      </div>
+
+      <!-- 底部添加按钮 -->
+      <div v-if="paymentMethods.length > 0" class="fixed-bottom">
+        <ion-button expand="block" class="add-button" @click="handleAdd">
+          <ion-icon slot="start" :icon="addOutline" />
+          添加新收款方式
+        </ion-button>
+      </div>
+    </ion-content>
+  </ion-page>
+</template>
+
+<style lang='css' scoped>
+.payment-card {
+  background: white;
+  border-radius: 16px;
+  padding: 16px;
+  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
+}
+
+.payment-info {
+  padding-bottom: 12px;
+  border-bottom: 1px solid #f0f0f0;
+  margin-bottom: 12px;
+}
+
+.payment-type {
+  font-size: 16px;
+  font-weight: 600;
+  color: #333;
+}
+
+.default-badge {
+  font-size: 11px;
+  padding: 2px 8px;
+}
+
+.payment-details {
+  margin-top: 12px;
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+}
+
+.detail-row {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+}
+
+.detail-row .label {
+  font-size: 13px;
+  color: #999;
+  min-width: 60px;
+}
+
+.detail-row .value {
+  font-size: 14px;
+  color: #333;
+  font-weight: 500;
+  text-align: right;
+  flex: 1;
+}
+
+.payment-actions {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+}
+
+.payment-actions ion-button {
+  --padding-start: 8px;
+  --padding-end: 8px;
+  font-size: 13px;
+  text-transform: none;
+}
+
+.empty-state {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  min-height: 60vh;
+  padding: 40px 20px;
+}
+
+.empty-icon {
+  font-size: 80px;
+  color: #ddd;
+}
+
+.add-button {
+  --background: linear-gradient(135deg, #c41e3a 0%, #8b1a2e 100%);
+  --background-activated: linear-gradient(135deg, #8b1a2e 0%, #c41e3a 100%);
+  --border-radius: 12px;
+  --padding-top: 14px;
+  --padding-bottom: 14px;
+  font-weight: 600;
+  font-size: 15px;
+  text-transform: none;
+  letter-spacing: 0.5px;
+  margin-top: 12px;
+}
+
+.fixed-bottom {
+  position: fixed;
+  bottom: 0;
+  left: 0;
+  right: 0;
+  padding: 12px 16px;
+  background: white;
+  box-shadow: 0 -2px 12px rgba(0, 0, 0, 0.08);
+  z-index: 10;
+  padding-bottom: calc(12px + var(--ion-safe-area-bottom));
+}
+</style>