diff --git a/frontend/components/account/AccountCenter.tsx b/frontend/components/account/AccountCenter.tsx
index 65df24f5..bbdebd04 100644
--- a/frontend/components/account/AccountCenter.tsx
+++ b/frontend/components/account/AccountCenter.tsx
@@ -3281,6 +3281,9 @@ export function AccountCenter() {
                       <p className="text-[11px] leading-relaxed text-slate-400">
                         方式一：绑定您的 EVM 钱包（如 MetaMask 扩展或 WalletConnect 扫码），通过智能合约自动签名付款，额度即时到账。
                       </p>
+                      <div className="rounded-xl border border-amber-400/20 bg-amber-500/10 p-3 text-[11px] leading-relaxed text-amber-100">
+                        钱包里需要少量 Polygon POL/MATIC 作为 gas 手续费；只有 USDC 可能无法完成授权或支付。请确认当前钱包在 Polygon 网络，并预留一点 POL/MATIC 后再支付。
+                      </div>
                       
                       {boundWallets.length ? (
                         <div className="space-y-3">
diff --git a/frontend/components/account/__tests__/paymentShell.test.ts b/frontend/components/account/__tests__/paymentShell.test.ts
index 7387fc1d..d4796277 100644
--- a/frontend/components/account/__tests__/paymentShell.test.ts
+++ b/frontend/components/account/__tests__/paymentShell.test.ts
@@ -43,4 +43,9 @@ export function runTests() {
       accountCenterSource.includes("如支付卡住，请优先使用 WalletConnect 扫码支付"),
     "Binance extension binding must show a WalletConnect fallback hint for payment stability",
   );
+  assert(
+    accountCenterSource.includes("钱包里需要少量 Polygon POL/MATIC 作为 gas 手续费") &&
+      accountCenterSource.includes("只有 USDC 可能无法完成授权或支付"),
+    "payment wallet tab must warn users that Polygon POL/MATIC gas is required in addition to USDC",
+  );
 }