diff --git a/config/nacos/cn/finance-service.yml b/config/nacos/cn/finance-service.yml
index b4576a67d..730d2c738 100644
--- a/config/nacos/cn/finance-service.yml
+++ b/config/nacos/cn/finance-service.yml
@@ -5,5 +5,5 @@ spring:
     password: ${FINANCE_DB_PASSWORD}
     driver-class-name: com.mysql.cj.jdbc.Driver
 baiyue.clients.warehouse.url: ${WAREHOUSE_SERVICE_URL:}
-baiyue.finance.recharge.wechat-qr-code-url: ${FINANCE_RECHARGE_WECHAT_QR_CODE_URL:/customer-recharge-qr.svg}
-baiyue.finance.recharge.alipay-qr-code-url: ${FINANCE_RECHARGE_ALIPAY_QR_CODE_URL:/customer-recharge-qr.svg}
+baiyue.finance.recharge.wechat-qr-code-url: ${FINANCE_RECHARGE_WECHAT_QR_CODE_URL:}
+baiyue.finance.recharge.alipay-qr-code-url: ${FINANCE_RECHARGE_ALIPAY_QR_CODE_URL:}
diff --git a/finance/src/main/java/com/baiyue/finance/service/FinanceWalletService.java b/finance/src/main/java/com/baiyue/finance/service/FinanceWalletService.java
index a9220610a..9ef0074b0 100644
--- a/finance/src/main/java/com/baiyue/finance/service/FinanceWalletService.java
+++ b/finance/src/main/java/com/baiyue/finance/service/FinanceWalletService.java
@@ -55,14 +55,22 @@ public class FinanceWalletService {
                                 FinanceDocumentNumberGenerator numberGenerator,
                                 @Value("${baiyue.security.internal-service-token:}") String internalToken,
                                 @Value("${baiyue.finance.recharge.wechat-qr-code-url:}") String wechatQrCodeUrl,
-                                @Value("${baiyue.finance.recharge.alipay-qr-code-url:}") String alipayQrCodeUrl) {
+                                @Value("${baiyue.finance.recharge.alipay-qr-code-url:}") String alipayQrCodeUrl,
+                                @Value("${spring.profiles.active:}") String activeProfiles) {
         this.jdbc = jdbc;
         this.objectMapper = objectMapper;
         this.fileClient = fileClient;
         this.numberGenerator = numberGenerator;
         this.internalToken = internalToken;
-        this.wechatQrCodeUrl = blankToNull(wechatQrCodeUrl);
-        this.alipayQrCodeUrl = blankToNull(alipayQrCodeUrl);
+        boolean development = List.of(activeProfiles.split(",")).stream()
+            .map(String::trim).anyMatch("dev"::equalsIgnoreCase);
+        this.wechatQrCodeUrl = rechargeQrCode(wechatQrCodeUrl, development);
+        this.alipayQrCodeUrl = rechargeQrCode(alipayQrCodeUrl, development);
+    }
+
+    private static String rechargeQrCode(String configured, boolean development) {
+        String value = blankToNull(configured);
+        return value == null && development ? "/customer-recharge-qr.svg" : value;
     }
 
     public WalletAccount account(long customerId) {
diff --git a/finance/src/main/resources/application-dev.yml b/finance/src/main/resources/application-dev.yml
index 3c78aee86..d834f00bb 100644
--- a/finance/src/main/resources/application-dev.yml
+++ b/finance/src/main/resources/application-dev.yml
@@ -4,3 +4,9 @@ spring:
     url: ${FINANCE_DB_URL:jdbc:mysql://127.0.0.1:3306/baiyue_finance?useUnicode=true&characterEncoding=utf8&serverTimezone=Asia/Shanghai&rewriteBatchedStatements=true}
     username: ${FINANCE_DB_USERNAME:root}
     password: ${FINANCE_DB_PASSWORD:123456}
+
+baiyue:
+  finance:
+    recharge:
+      wechat-qr-code-url: ${FINANCE_RECHARGE_WECHAT_QR_CODE_URL:/customer-recharge-qr.svg}
+      alipay-qr-code-url: ${FINANCE_RECHARGE_ALIPAY_QR_CODE_URL:/customer-recharge-qr.svg}
diff --git a/finance/src/test/java/com/baiyue/finance/FinanceWalletBehaviorTest.java b/finance/src/test/java/com/baiyue/finance/FinanceWalletBehaviorTest.java
index 33a080c02..71cd71d7e 100644
--- a/finance/src/test/java/com/baiyue/finance/FinanceWalletBehaviorTest.java
+++ b/finance/src/test/java/com/baiyue/finance/FinanceWalletBehaviorTest.java
@@ -44,6 +44,17 @@ class FinanceWalletBehaviorTest {
             alipay -> { assertThat(alipay.paymentMethod()).isEqualTo("ALIPAY"); assertThat(alipay.enabled()).isFalse(); });
     }
 
+    @Test
+    void developmentProfileUsesTheNonPayableSampleQrCode() {
+        var channels = new FinanceWalletService(mock(JdbcTemplate.class), new ObjectMapper().findAndRegisterModules(),
+            mock(FinanceFileClient.class), mock(FinanceDocumentNumberGenerator.class), "token", "", "", "dev").channels();
+
+        assertThat(channels).allSatisfy(channel -> {
+            assertThat(channel.enabled()).isTrue();
+            assertThat(channel.qrCodeUrl()).isEqualTo("/customer-recharge-qr.svg");
+        });
+    }
+
     @Test
     void manualDeductionCannotExceedAvailableBalance() throws Exception {
         JdbcTemplate jdbc = mock(JdbcTemplate.class);
@@ -72,6 +83,6 @@ class FinanceWalletBehaviorTest {
 
     private static FinanceWalletService service(JdbcTemplate jdbc, String wechat, String alipay) {
         return new FinanceWalletService(jdbc, new ObjectMapper().findAndRegisterModules(),
-            mock(FinanceFileClient.class), mock(FinanceDocumentNumberGenerator.class), "token", wechat, alipay);
+            mock(FinanceFileClient.class), mock(FinanceDocumentNumberGenerator.class), "token", wechat, alipay, "test");
     }
 }