diff --git a/frontend/mobile-app/lib/core/services/account_service.dart b/frontend/mobile-app/lib/core/services/account_service.dart
index 550ae34f..4e87d8e2 100644
--- a/frontend/mobile-app/lib/core/services/account_service.dart
+++ b/frontend/mobile-app/lib/core/services/account_service.dart
@@ -2136,7 +2136,7 @@ class AccountService {
     debugPrint('$_tag isPaymentPasswordSet() - 查询支付密码状态');
     try {
       final response = await _apiClient.get('/user/payment-password-status');
-      final isSet = response.data['isSet'] == true;
+      final isSet = response.data['data']['isSet'] == true;
       debugPrint('$_tag isPaymentPasswordSet() - 结果: $isSet');
       return isSet;
     } catch (e) {