diff --git a/rc-service/rc-service-order/order-application/src/main/java/com/red/circle/order/app/command/pay/web/PayWebPlaceAnOrderCmdExe.java b/rc-service/rc-service-order/order-application/src/main/java/com/red/circle/order/app/command/pay/web/PayWebPlaceAnOrderCmdExe.java
index 37c014b8..d319c6b8 100644
--- a/rc-service/rc-service-order/order-application/src/main/java/com/red/circle/order/app/command/pay/web/PayWebPlaceAnOrderCmdExe.java
+++ b/rc-service/rc-service-order/order-application/src/main/java/com/red/circle/order/app/command/pay/web/PayWebPlaceAnOrderCmdExe.java
@@ -26,6 +26,7 @@ import com.red.circle.tool.core.num.ArithmeticUtils;
 import com.red.circle.tool.core.sequence.IdWorkerUtils;
 import com.red.circle.tool.core.text.StringUtils;
 import com.red.circle.other.inner.endpoint.user.region.UserRegionClient;
+import com.red.circle.order.app.common.PayerMaxProperties;
 import java.math.BigDecimal;
 import java.util.List;
 import java.util.Objects;
@@ -44,7 +45,7 @@ import org.springframework.stereotype.Component;
 public class PayWebPlaceAnOrderCmdExe {
 
   private final PayProperties payProperties;
-  private final UserRegionClient userRegionClient;
+  private final PayerMaxProperties payerMaxProperties;
   private final PayCountryService payCountryService;
   private final SysCountryCodeClient sysCountryCodeClient;
   private final PayApplicationService payApplicationService;
@@ -131,6 +132,12 @@ public class PayWebPlaceAnOrderCmdExe {
    * @return 汇率
    */
   private BigDecimal getRealTimeExchangeRate(PayCountry payCountry) {
+    // 检查是否启用实时汇率
+    if (!Boolean.TRUE.equals(payerMaxProperties.getEnableRealTimeExchangeRate())) {
+      log.info("Real-time exchange rate is disabled, using configured rate for country {}", payCountry.getId());
+      return payCountry.getUsdExchangeRate();
+    }
+    
     BigDecimal realTimeRate = null;
     try {
       // 调用实时汇率查询 - 这里假设目标币种是payCountry对应的币种
diff --git a/rc-service/rc-service-order/order-application/src/main/java/com/red/circle/order/app/common/PayerMaxProperties.java b/rc-service/rc-service-order/order-application/src/main/java/com/red/circle/order/app/common/PayerMaxProperties.java
index e372daf6..eac94037 100644
--- a/rc-service/rc-service-order/order-application/src/main/java/com/red/circle/order/app/common/PayerMaxProperties.java
+++ b/rc-service/rc-service-order/order-application/src/main/java/com/red/circle/order/app/common/PayerMaxProperties.java
@@ -21,6 +21,11 @@ public class PayerMaxProperties {
     private String platformRsaPublicKey;
     private String appId;
     
+    /**
+     * 是否启用实时汇率，默认为false（关闭）
+     */
+    private Boolean enableRealTimeExchangeRate = false;
+    
     public String getSecretKey() {
         return secretKey;
     }
@@ -68,4 +73,12 @@ public class PayerMaxProperties {
     public void setAppId(String appId) {
         this.appId = appId;
     }
+    
+    public Boolean getEnableRealTimeExchangeRate() {
+        return enableRealTimeExchangeRate;
+    }
+    
+    public void setEnableRealTimeExchangeRate(Boolean enableRealTimeExchangeRate) {
+        this.enableRealTimeExchangeRate = enableRealTimeExchangeRate;
+    }
 }