diff --git a/frontend/src/components/payment/StripePaymentInline.vue b/frontend/src/components/payment/StripePaymentInline.vue
index 65f5bb18c..48b0748e7 100644
--- a/frontend/src/components/payment/StripePaymentInline.vue
+++ b/frontend/src/components/payment/StripePaymentInline.vue
@@ -111,7 +111,7 @@ let elementsInstance: StripeElements | null = null
 
 onMounted(async () => {
   try {
-    const { loadStripe } = await import('@stripe/stripe-js')
+    const { loadStripe } = await import('@stripe/stripe-js/pure')
     const stripe = await loadStripe(props.publishableKey)
     if (!stripe) { initError.value = t('payment.stripeLoadFailed'); return }
 
diff --git a/frontend/src/views/user/StripePaymentView.vue b/frontend/src/views/user/StripePaymentView.vue
index 56a5bc2b6..840eea912 100644
--- a/frontend/src/views/user/StripePaymentView.vue
+++ b/frontend/src/views/user/StripePaymentView.vue
@@ -165,7 +165,7 @@ onMounted(async () => {
     const publishableKey = paymentStore.config?.stripe_publishable_key
     if (!publishableKey) { initError.value = t('payment.stripeNotConfigured'); return }
 
-    const { loadStripe } = await import('@stripe/stripe-js')
+    const { loadStripe } = await import('@stripe/stripe-js/pure')
     const stripe = await loadStripe(publishableKey)
     if (!stripe) { initError.value = t('payment.stripeLoadFailed'); return }
 
diff --git a/frontend/src/views/user/StripePopupView.vue b/frontend/src/views/user/StripePopupView.vue
index 0e852e520..0c3629c54 100644
--- a/frontend/src/views/user/StripePopupView.vue
+++ b/frontend/src/views/user/StripePopupView.vue
@@ -137,7 +137,7 @@ async function initStripe(clientSecret: string, publishableKey: string) {
     return
   }
   try {
-    const { loadStripe } = await import('@stripe/stripe-js')
+    const { loadStripe } = await import('@stripe/stripe-js/pure')
     const stripe = await loadStripe(publishableKey)
     if (!stripe) { error.value = t('payment.stripeLoadFailed'); return }
 
diff --git a/frontend/src/views/user/__tests__/StripePaymentView.spec.ts b/frontend/src/views/user/__tests__/StripePaymentView.spec.ts
index 1d53c4994..9b672048b 100644
--- a/frontend/src/views/user/__tests__/StripePaymentView.spec.ts
+++ b/frontend/src/views/user/__tests__/StripePaymentView.spec.ts
@@ -56,7 +56,7 @@ vi.mock('@/api/payment', () => ({
   },
 }))
 
-vi.mock('@stripe/stripe-js', () => ({
+vi.mock('@stripe/stripe-js/pure', () => ({
   loadStripe,
 }))
 
diff --git a/frontend/src/views/user/__tests__/stripeLazyLoading.spec.ts b/frontend/src/views/user/__tests__/stripeLazyLoading.spec.ts
new file mode 100644
index 000000000..be1c1f59b
--- /dev/null
+++ b/frontend/src/views/user/__tests__/stripeLazyLoading.spec.ts
@@ -0,0 +1,33 @@
+import { readFileSync } from 'node:fs'
+import { resolve } from 'node:path'
+import { describe, expect, it } from 'vitest'
+
+const frontendRoot = resolve(__dirname, '../../../..')
+const stripeConsumers = [
+  'src/views/user/StripePaymentView.vue',
+  'src/views/user/StripePopupView.vue',
+  'src/components/payment/StripePaymentInline.vue',
+]
+
+function readFrontendFile(path: string): string {
+  return readFileSync(resolve(frontendRoot, path), 'utf8')
+}
+
+describe('Stripe lazy-loading contract', () => {
+  it.each(stripeConsumers)('%s uses the side-effect-free Stripe loader', (path) => {
+    const source = readFrontendFile(path)
+
+    expect(source).toContain("await import('@stripe/stripe-js/pure')")
+    expect(source).not.toMatch(/await import\(['"]@stripe\/stripe-js['"]\)/)
+  })
+
+  it('keeps Stripe out of the shared vendor chunk', () => {
+    const viteConfig = readFrontendFile('vite.config.ts')
+    const stripeRule = viteConfig.indexOf("id.includes('/@stripe/stripe-js/')")
+    const miscFallback = viteConfig.indexOf("return 'vendor-misc'")
+
+    expect(stripeRule).toBeGreaterThan(-1)
+    expect(viteConfig.slice(stripeRule, miscFallback)).toContain("return 'vendor-stripe'")
+    expect(stripeRule).toBeLessThan(miscFallback)
+  })
+})
diff --git a/frontend/vite.config.ts b/frontend/vite.config.ts
index 387707045..303a4bf77 100644
--- a/frontend/vite.config.ts
+++ b/frontend/vite.config.ts
@@ -96,6 +96,11 @@ export default defineConfig(({ mode }) => {
               return 'vendor-i18n'
             }
 
+            // Stripe 仅在支付流程中按需加载，避免进入首页公共依赖。
+            if (id.includes('/@stripe/stripe-js/')) {
+              return 'vendor-stripe'
+            }
+
             // 其他小型第三方库合并
             return 'vendor-misc'
           }