diff --git a/smart-switch-ruoyi/smart-switch-system/src/main/java/com/ruoyi/system/domain/enums/config/ConfigKey.java b/smart-switch-ruoyi/smart-switch-system/src/main/java/com/ruoyi/system/domain/enums/config/ConfigKey.java
index eefa7b58..6912caa2 100644
--- a/smart-switch-ruoyi/smart-switch-system/src/main/java/com/ruoyi/system/domain/enums/config/ConfigKey.java
+++ b/smart-switch-ruoyi/smart-switch-system/src/main/java/com/ruoyi/system/domain/enums/config/ConfigKey.java
@@ -19,7 +19,8 @@ public enum ConfigKey {
     WECHAT_APPROVAL("sys.wechat.approval", "微信小程序敏感内容展示"),
     DAILY_WITHDRAW_AMOUNT("daily.withdraw.amount", "单日单用户提现限额（元）"),
     DAILY_WITHDRAW_COUNT("daily.withdraw.count", "单日单用户提现次数（次）"),
-    NOVERIFY_WITHDRAW_SINGLE("noverify.withdraw.single", "提现单笔免审核额度（元）");
+    NOVERIFY_WITHDRAW_SINGLE("noverify.withdraw.single", "提现单笔免审核额度（元）"),
+    RECHARGE_MIN_SERVICE("recharge.min.service","充值最低服务费（元）");
 
     private final String key;
     private final String msg;
diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java b/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
index 181d1461..dc52f210 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
@@ -290,10 +290,9 @@ public class TransactionBillServiceImpl implements TransactionBillService, After
         else if(ServiceType.PERCENT.getType().equals(serviceType)){
             // 服务费
             BigDecimal serviceCharge = serviceRate.multiply(order.getMoney()).divide(new BigDecimal(100), 2, RoundingMode.HALF_UP);
-            // 最低服务费0.05元
-            if (serviceCharge.compareTo(new BigDecimal("0.05")) < 0) {
-                serviceCharge = new BigDecimal("0.05");
-            }
+            // 最低服务费
+            BigDecimal minService = sysConfigService.getBigDecimal(ConfigKey.RECHARGE_MIN_SERVICE);
+            ServiceUtil.assertion(serviceCharge.compareTo(minService) < 0, "当前套餐金额小于最低服务费，请联系商户处理");
             order.setServiceCharge(serviceCharge);
             // 商户最终到账的金额 = 交易金额 - 服务费
             order.setArrivalAmount(order.getMoney().subtract(serviceCharge));