diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/PayController.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/PayController.java
index 02da540e9..f3368f2bb 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/PayController.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/PayController.java
@@ -9,6 +9,7 @@ import com.cf.imes.module.system.service.pay.PayOrderService;
 import io.swagger.v3.oas.annotations.Operation;
 import io.swagger.v3.oas.annotations.Parameter;
 import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.validation.Valid;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.validation.annotation.Validated;
 import org.springframework.web.bind.annotation.GetMapping;
@@ -54,6 +55,12 @@ public class PayController {
         return success(payOrderRespDTO);
     }
 
+    @GetMapping("/product/expireTime")
+    @Operation(summary = "获取产品购买到期时间")
+    public CommonResult<String> getProductPayExpireTime(@Valid PayProductOrderUnifiedReqVO payProductOrderUnifiedReqVO) {
+        return success(payOrderService.getProductPayExpireTime(payProductOrderUnifiedReqVO));
+    }
+
     @GetMapping("/order/{channelCode}/{outTradeNo}")
     @Operation(summary = "查询支付订单")
     @Parameter(name = "outTradeNo", description = "支付流水号", required = true, example = "P1O1955")
diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/vo/PayProductGroup.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/vo/PayProductGroup.java
new file mode 100644
index 000000000..cd20a25e7
--- /dev/null
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/vo/PayProductGroup.java
@@ -0,0 +1,10 @@
+package com.cf.imes.module.system.controller.admin.pay.vo;
+
+/**
+ * 产品购买请求校验组
+ *
+ * @author Gqr
+ * @since 2025/9/24 16:28
+ */
+public interface PayProductGroup {
+}
diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/vo/PayProductOrderUnifiedReqVO.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/vo/PayProductOrderUnifiedReqVO.java
index a7c1815f8..b6fd76757 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/vo/PayProductOrderUnifiedReqVO.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/controller/admin/pay/vo/PayProductOrderUnifiedReqVO.java
@@ -28,7 +28,7 @@ public class PayProductOrderUnifiedReqVO {
 
     @Schema(description = "产品支付渠道编码", requiredMode = Schema.RequiredMode.REQUIRED, example = "0")
     @PayProductChannelCodeValid
-    @NotNull(message = "产品支付渠道编码不能为空")
+    @NotNull(message = "产品支付渠道编码不能为空", groups = PayProductGroup.class)
     private Integer productChannelCode;
 
     @Schema(description = "机构编号", requiredMode = Schema.RequiredMode.REQUIRED, example = "1")
diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderService.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderService.java
index 98e30ff5e..d09875372 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderService.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderService.java
@@ -24,6 +24,14 @@ public interface PayOrderService {
      */
     PayOrderRespDTO productPay(PayProductOrderUnifiedReqVO payProductOrderUnifiedReqVO);
 
+    /**
+     * 获取购买产品的到期时间
+     *
+     * @param payProductOrderUnifiedReqVO
+     * @return
+     */
+    String getProductPayExpireTime(PayProductOrderUnifiedReqVO payProductOrderUnifiedReqVO);
+
     /**
      * 账户充值支付
      *
diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderServiceImpl.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderServiceImpl.java
index 63c8936da..249d28bd4 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderServiceImpl.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayOrderServiceImpl.java
@@ -2,6 +2,7 @@ package com.cf.imes.module.system.service.pay;
 
 import cn.hutool.core.bean.BeanUtil;
 import cn.hutool.core.collection.CollUtil;
+import cn.hutool.core.date.LocalDateTimeUtil;
 import cn.hutool.core.util.IdUtil;
 import cn.hutool.core.util.ObjectUtil;
 import com.alibaba.fastjson.JSON;
@@ -86,6 +87,7 @@ import java.util.regex.Matcher;
 import java.util.regex.Pattern;
 
 import static com.cf.imes.framework.common.exception.util.ServiceExceptionUtil.exception;
+import static com.cf.imes.framework.common.util.date.DateUtils.FORMAT_YEAR_MONTH_DAY;
 import static com.cf.imes.module.system.enums.ErrorCodeConstants.ORG_PRODUCT_PURCHASE_LOCK_ERROR;
 import static com.cf.imes.module.system.enums.ErrorCodeConstants.ORG_PRODUCT_PURCHASE_WAIT_PAY_ERROR;
 import static com.cf.imes.module.system.enums.ErrorCodeConstants.PAY_NOTIFY_PASSBACK_TRADETYPE_NOT_SUPPORT_ERROR;
@@ -258,6 +260,38 @@ public class PayOrderServiceImpl implements PayOrderService {
         }
     }
 
+    @Override
+    public String getProductPayExpireTime(PayProductOrderUnifiedReqVO payProductOrderUnifiedReqVO) {
+        Long organId = payProductOrderUnifiedReqVO.getOrganId();
+        organId = ObjectUtil.isNull(organId) ? SecurityFrameworkUtils.getUserOrganId() : organId;
+
+        // 主动校验一次入参
+        ValidationUtils.validate(validator, payProductOrderUnifiedReqVO);
+
+        // 校验产品和产品明细
+        Long productId = payProductOrderUnifiedReqVO.getProductId();
+        ProductsDO productsDO = productsDetailService.validateProductExist(productId);
+
+        // 解析产品定价明细
+        ProductsDetailDO productsDetailDO = analyzeProductDetail(productId, payProductOrderUnifiedReqVO.getProductDetailsId());
+
+        // 检查机构产品是否有待支付的购买记录
+        List<PurchaseRecordDO> pendingPurchaseList = purchaseService.getOrgProductPendingPurchaseList(organId, productId);
+        if (CollUtil.isNotEmpty(pendingPurchaseList)) {
+            throw new ServiceException(ORG_PRODUCT_PURCHASE_WAIT_PAY_ERROR);
+        }
+
+        // 查询组织产品的首次购买记录
+        PurchaseRecordDO orgInitialPurchaseRecord = purchaseService.getOrgInitialPurchaseRecord(organId, productsDO.getId());
+
+        // 查询组织有效产品购买记录下的延期记录
+        PreviouProductDelayRespVO previouProductDelayRespVO = productDelayService.getActiveRecordsByProductId(productId, organId);
+
+        // 根据购买类型做价格处理
+        PayProductProcessor payProductProcessor = new PayProductProcessor(productsDO, productsDetailDO, orgInitialPurchaseRecord, previouProductDelayRespVO, null, organId, null, null, null);
+        return LocalDateTimeUtil.format(payProductProcessor.getProductPayExpireTime(), FORMAT_YEAR_MONTH_DAY);
+    }
+
     /**
      * 解析定价规则，年从数据库取，月就手动拼
      *
diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessor.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessor.java
index ae7c40d28..bcafcc6ba 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessor.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessor.java
@@ -171,6 +171,15 @@ public class PayProductProcessor {
         }
     }
 
+    /**
+     * 获取订购产品的到期时间
+     *
+     * @return
+     */
+    public LocalDate getProductPayExpireTime() {
+        return endTime;
+    }
+
     /**
      * 使用现金余额支付
      *