diff --git a/app/(chat)/api/chat/_lib/errors.ts b/app/(chat)/api/chat/_lib/errors.ts
index 9c0c42592..90d6f5dae 100644
--- a/app/(chat)/api/chat/_lib/errors.ts
+++ b/app/(chat)/api/chat/_lib/errors.ts
@@ -1,6 +1,6 @@
 import { createLogger } from "@/lib/observability/logger";
 import { NextResponse } from "next/server";
-import { getRequestErrorMessage } from "@/lib/request-error";
+import { getRequestErrorMessage, isProviderBalanceError, isRateLimitError } from "@/lib/request-error";
 import { generateUUID } from "@/lib/utils";
 
 const chatApiLogger = createLogger("chat.errors");
@@ -20,6 +20,14 @@ export function getChatStreamErrorMessage(error: unknown): string {
     error instanceof Error ? String(error.message || "").trim() : String(error || "").trim();
   const normalized = rawMessage.toLowerCase();
 
+  if (isProviderBalanceError(error)) {
+    return "当前模型服务商线路余额或额度不足，请切换模型或联系管理员；与您的积分余额无关。";
+  }
+
+  if (isRateLimitError(error)) {
+    return "当前模型服务请求过于频繁，请稍后重试或切换模型。";
+  }
+
   if (
     normalized.includes("token quota is not enough") ||
     normalized.includes("pre_consume_token_quota_failed") ||
@@ -47,6 +55,16 @@ function resolveChatApiFailure(error: unknown) {
   const detailMessage = getRequestErrorMessage(error);
   const normalized = String(detailMessage || "").toLowerCase();
 
+  if (isProviderBalanceError(error)) {
+    return {
+      code: "server_error:chat",
+      message: "模型服务商线路余额或额度不足，请切换模型或联系管理员。",
+      status: 503,
+      category: "provider_balance",
+      detailMessage,
+    };
+  }
+
   if (
     normalized.includes("payload too large") ||
     normalized.includes("request entity too large") ||
diff --git a/app/(chat)/api/chat/_lib/image-failover.ts b/app/(chat)/api/chat/_lib/image-failover.ts
index 98b36d687..e4b9d7ec0 100644
--- a/app/(chat)/api/chat/_lib/image-failover.ts
+++ b/app/(chat)/api/chat/_lib/image-failover.ts
@@ -4,6 +4,8 @@ import { getLanguageModelById } from "@/lib/ai/dynamic-provider";
 import { modelLacksReferenceImageInputSupport } from "@/lib/ai/reference-image-capability";
 import type { ChatMessage } from "@/lib/types";
 import { convertMessagesWithImages } from "./image-media";
+import { isProviderBalanceError } from "@/lib/request-error";
+import { isImageFallbackModelBalanceCoolingDown } from "@/lib/ai/runtime/image-fallback-balance-cooldown";
 
 const chatApiLogger = createLogger("chat.imageFailover");
 
@@ -82,6 +84,7 @@ export function normalizeFailoverErrorMessage(error: unknown): string {
 export function shouldCooldownImageFallbackModel(errorMessage: string): boolean {
   const msg = errorMessage.toLowerCase();
   return (
+    isProviderBalanceError(errorMessage) ||
     msg.includes("model not found") ||
     msg.includes("model_not_found") ||
     msg.includes("no available channel for model") ||
@@ -323,9 +326,9 @@ export function buildImageFallbackCandidates(
     if (!sameProvider && !IMAGE_FAILOVER_PROVIDER_ALLOWLIST.has(providerType)) {
       return false;
     }
-    if (isImageFallbackModelCoolingDown(item.model.id)) {
+    if (isImageFallbackModelCoolingDown(item.model.id) || isImageFallbackModelBalanceCoolingDown(item.model)) {
       const cooldown = imageFailoverModelCooldown.get(item.model.id);
-      chatApiLogger.info(`[Chat API] ⏭ Skip configured image fallback on cooldown: ${item.model.displayName} (${providerType}) - ${cooldown?.reason || "cooldown"}`);
+      chatApiLogger.info(`[Chat API] ⏭ Skip configured image fallback on cooldown: ${item.model.displayName} (${providerType}) - ${cooldown?.reason || "provider balance cooldown"}`);
       return false;
     }
     return true;
@@ -485,9 +488,9 @@ export function getImageCrossProviderCandidates(
       }
       if (m.model.id === options.currentModelId) return false;
       if (options.currentProviderId && m.provider.id === options.currentProviderId) return false;
-      if (isImageFallbackModelCoolingDown(m.model.id)) {
+      if (isImageFallbackModelCoolingDown(m.model.id) || isImageFallbackModelBalanceCoolingDown(m.model)) {
         const cooldown = imageFailoverModelCooldown.get(m.model.id);
-        chatApiLogger.info(`[Chat API] ⏭ Skip image failover model on cooldown: ${m.model.displayName} (${m.provider.type}) - ${cooldown?.reason || "cooldown"}`);
+        chatApiLogger.info(`[Chat API] ⏭ Skip image failover model on cooldown: ${m.model.displayName} (${m.provider.type}) - ${cooldown?.reason || "provider balance cooldown"}`);
         return false;
       }
       return true;
diff --git a/app/(chat)/api/chat/route.ts b/app/(chat)/api/chat/route.ts
index f6ca7d59e..9869dfe12 100644
--- a/app/(chat)/api/chat/route.ts
+++ b/app/(chat)/api/chat/route.ts
@@ -179,6 +179,7 @@ import { ChatSDKError } from "@/lib/errors";
 import {
   getFriendlyRateLimitMessage,
   getRequestErrorMessage,
+  getUserFacingImageGenerationErrorMessage,
   isRateLimitError,
 } from "@/lib/request-error";
 import {
@@ -437,10 +438,11 @@ function assertGeneratedImageMarkdownHasImage(markdown: string, modelLabel: stri
 
 function getPublicImageGenerationErrorText(error: unknown) {
   const message = error instanceof Error ? error.message : String(error || "");
-  if (!message || INTERNAL_IMAGE_GENERATION_FAILURE_PATTERN.test(message)) {
+  const publicMessage = getUserFacingImageGenerationErrorMessage(error);
+  if (!message || (publicMessage === message && INTERNAL_IMAGE_GENERATION_FAILURE_PATTERN.test(message))) {
     return "图片生成失败，请稍后重试";
   }
-  return message;
+  return publicMessage;
 }
 
 function replacementScenePlanShouldIncludeModelImage(scenePlan: any) {
diff --git a/components/canvas/CanvasChatPanel.tsx b/components/canvas/CanvasChatPanel.tsx
index beededcc7..1e52446a9 100644
--- a/components/canvas/CanvasChatPanel.tsx
+++ b/components/canvas/CanvasChatPanel.tsx
@@ -8774,7 +8774,7 @@ export function CanvasChatPanel({
       const responseData = (error as any)?.data;
       const isInsufficientPoints =
         responseData?.error === "insufficient_points" ||
-        /积分不足/.test(fallbackMessage);
+        /^\s*积分不足(?:[，。：:\s]|$)/.test(fallbackMessage);
 
       if (isInsufficientPoints) {
         const balance = Math.max(0, Number(responseData?.balance ?? 0));
diff --git a/lib/ai/runtime/image-fallback-balance-cooldown.ts b/lib/ai/runtime/image-fallback-balance-cooldown.ts
new file mode 100644
index 000000000..57b2847bc
--- /dev/null
+++ b/lib/ai/runtime/image-fallback-balance-cooldown.ts
@@ -0,0 +1,18 @@
+import { isProviderBalanceError } from "@/lib/request-error";
+
+const IMAGE_FAILOVER_BALANCE_COOLDOWN_MS = 2 * 60 * 60 * 1000;
+
+export function isImageFallbackModelBalanceCoolingDown(
+  model: {
+    healthLastEventType?: unknown;
+    healthLastError?: unknown;
+    healthLastFailureAt?: unknown;
+  } | null | undefined,
+  now = Date.now(),
+) {
+  if (model?.healthLastEventType !== "quota" || !isProviderBalanceError(model.healthLastError)) {
+    return false;
+  }
+  const failedAt = new Date(String(model.healthLastFailureAt || "")).getTime();
+  return Number.isFinite(failedAt) && now - failedAt < IMAGE_FAILOVER_BALANCE_COOLDOWN_MS && now >= failedAt;
+}
diff --git a/lib/ai/runtime/model-health.ts b/lib/ai/runtime/model-health.ts
index a88920a92..4deb7728f 100644
--- a/lib/ai/runtime/model-health.ts
+++ b/lib/ai/runtime/model-health.ts
@@ -11,6 +11,7 @@ import {
   isMediaInputFailure,
   isNonProviderRequestStatus,
 } from "@/lib/ai/runtime/request-failure-classification";
+import { isProviderBalanceError, isRateLimitError } from "@/lib/request-error";
 
 export type AiModelHealthEventType =
   | "success"
@@ -217,25 +218,21 @@ export function classifyAiModelHealthFailure(error: unknown): {
     };
   }
 
-  if (
-    normalized.includes("insufficient balance") ||
-    normalized.includes("insufficient credit") ||
-    normalized.includes("credits insufficient") ||
-    normalized.includes("credit insufficient") ||
-    normalized.includes("not enough credit") ||
-    normalized.includes("quota") ||
-    normalized.includes("余额") ||
-    normalized.includes("额度") ||
-    normalized.includes("预扣费额度") ||
-    normalized.includes("exceeded_current_quota") ||
-    normalized.includes("pre_consume_token_quota_failed") ||
-    normalized.includes("token quota is not enough")
-  ) {
+  if (isProviderBalanceError(error)) {
     return {
       eventType: "quota",
       severity: "critical",
       counted: true,
-      reason: "quota_or_balance",
+      reason: "provider_balance_or_billing_quota",
+    };
+  }
+
+  if (isRateLimitError(error)) {
+    return {
+      eventType: "unavailable",
+      severity: "warning",
+      counted: false,
+      reason: "provider_rate_limited",
     };
   }
 
@@ -363,7 +360,8 @@ export function shouldFailoverAiModelError(error: unknown) {
 
   if (
     classification.reason === "provider_authentication_failed" ||
-    classification.reason === "provider_access_forbidden"
+    classification.reason === "provider_access_forbidden" ||
+    classification.reason === "provider_rate_limited"
   ) {
     return true;
   }
diff --git a/lib/ai/runtime/provider-health.ts b/lib/ai/runtime/provider-health.ts
index 35a609483..95c386c34 100644
--- a/lib/ai/runtime/provider-health.ts
+++ b/lib/ai/runtime/provider-health.ts
@@ -1,4 +1,5 @@
 import "server-only";
+import { isProviderBalanceError } from "@/lib/request-error";
 
 export type ProviderHealthEventType = "success" | "timeout" | "quota" | "error";
 
@@ -22,6 +23,7 @@ export function classifyProviderHealthEvent(error: unknown): ProviderHealthEvent
   const normalized = normalizeErrorMessage(error).toLowerCase();
 
   if (
+    isProviderBalanceError(error) ||
     normalized.includes("token quota is not enough") ||
     normalized.includes("pre_consume_token_quota_failed") ||
     normalized.includes("quota is not enough")
diff --git a/lib/canvas/generate-image-response.ts b/lib/canvas/generate-image-response.ts
index 78c98e8d2..525484d04 100644
--- a/lib/canvas/generate-image-response.ts
+++ b/lib/canvas/generate-image-response.ts
@@ -9,6 +9,7 @@ import { generateCanvasImage, type CanvasGenerateImageRequest } from "@/lib/canv
 import { getPointsSystemConfig } from "@/lib/db/queries";
 import { prepareFeaturePointsCharge } from "@/lib/points/feature-charge";
 import { getImageToolCreditCost, type ImageToolCreditFeature } from "@/lib/points/config";
+import { getUserFacingImageGenerationErrorMessage } from "@/lib/request-error";
 
 interface GenerateImageRequest extends CanvasGenerateImageRequest {
   async?: boolean;
@@ -119,7 +120,7 @@ export async function executeCanvasImageResponse(body: GenerateImageRequest, use
   } catch (error) {
     console.error("[Canvas Generate Image] Error:", error);
     return NextResponse.json(
-      { success: false, error: error instanceof Error ? error.message : "生成失败" },
+      { success: false, error: getUserFacingImageGenerationErrorMessage(error) },
       { status: 500 },
     );
   }
diff --git a/lib/canvas/generate-image.ts b/lib/canvas/generate-image.ts
index 1d5acd538..a071b6fa3 100644
--- a/lib/canvas/generate-image.ts
+++ b/lib/canvas/generate-image.ts
@@ -37,6 +37,7 @@ import {
   shouldFailoverAiModelError,
 } from "@/lib/ai/runtime/model-health";
 import { uploadFile } from "@/lib/storage/service";
+import { isImageFallbackModelBalanceCoolingDown } from "@/lib/ai/runtime/image-fallback-balance-cooldown";
 
 export interface CanvasLocalEditCompositeRegion {
   x: number;
@@ -4506,6 +4507,7 @@ function findCanvasFailoverModel(params: {
     if (
       !item.model.isEnabled ||
       item.model.isSubModel ||
+      isImageFallbackModelBalanceCoolingDown(item.model) ||
       (item.model.excludeFromFailover && !isSameNameScaleAdjustFallback)
     ) {
       return false;
diff --git a/lib/canvas/image-task-queue.ts b/lib/canvas/image-task-queue.ts
index b52b5f178..f7a8602f6 100644
--- a/lib/canvas/image-task-queue.ts
+++ b/lib/canvas/image-task-queue.ts
@@ -31,6 +31,7 @@ import {
   markCanvasLayoutReplaceBatchItemRunning,
 } from "@/lib/canvas/layout-replace-batch";
 import { persistAgentProjectGeneratedResult } from "@/lib/agents/agent-project-result-persistence";
+import { getUserFacingImageGenerationErrorMessage } from "@/lib/request-error";
 
 type CanvasImageTaskStatus =
   | "waiting"
@@ -562,12 +563,16 @@ async function runSingleTask(entry: PendingTaskEntry) {
         and(eq(canvasImageTask.id, entry.taskId), eq(canvasImageTask.status, "running"))
       );
   } catch (error) {
-    completedBatchError = error instanceof Error ? error.message : String(error);
+    console.error("[Canvas Image Task Queue] Image task failed:", {
+      taskId: entry.taskId,
+      error,
+    });
+    completedBatchError = getUserFacingImageGenerationErrorMessage(error);
     await db
       .update(canvasImageTask)
       .set({
         status: "failed",
-        error: error instanceof Error ? error.message : String(error),
+        error: completedBatchError,
         completedAt: new Date(),
         updatedAt: new Date(),
       })
diff --git a/lib/canvas/operations/extend.ts b/lib/canvas/operations/extend.ts
index eadfbd582..403ac30e8 100644
--- a/lib/canvas/operations/extend.ts
+++ b/lib/canvas/operations/extend.ts
@@ -186,7 +186,7 @@ export async function executeExtendPOST(request: Request, trustedUserId: string)
         message: error.message,
         detail: error.detail,
       });
-      if (error.status === 429 || isRateLimitError(error)) {
+      if (isRateLimitError(error)) {
         return NextResponse.json(
           {
             error: getFriendlyRateLimitMessage("当前操作过于频繁，请稍后再试"),
diff --git a/lib/request-error.ts b/lib/request-error.ts
index 906f57f60..b0dc5d3e6 100644
--- a/lib/request-error.ts
+++ b/lib/request-error.ts
@@ -9,6 +9,18 @@ const RATE_LIMIT_PATTERNS = [
   /达到速率限制/,
   /限流/,
 ];
+const PROVIDER_BALANCE_PATTERNS = [
+  /余额(?:不足|不够|已?耗尽)/i,
+  /额度(?:不足|不够|已?耗尽)/i,
+  /预扣费额度(?:不足|失败)/i,
+  /\binsufficient[ _-]?(?:balance|credits?|funds?|quota)\b/i,
+  /\b(?:balance|credits?|funds?)\s+(?:is\s+)?(?:not enough|insufficient|exhausted)\b/i,
+  /\b(?:exceeded_current_quota|pre_consume_token_quota_failed)\b/i,
+  /\btoken quota is not enough\b/i,
+  /\bquota is not enough\b/i,
+  /\b(?:not enough credits?|credits? is not enough)\b/i,
+  /\b(?:billing_hard_limit_reached|payment_required)\b/i,
+];
 const NETWORK_TRANSPORT_PATTERNS = [
   /\bfailed to fetch\b/i,
   /\bnetworkerror\b/i,
@@ -153,17 +165,51 @@ export function getRequestErrorMessage(error: unknown): string | null {
   return null;
 }
 
+function getRequestErrorText(error: unknown) {
+  const candidates: string[] = [];
+  if (error instanceof Error) {
+    collectTextCandidates({ ...error, message: error.message, cause: error.cause }, candidates);
+  } else {
+    collectTextCandidates(error, candidates);
+  }
+  return candidates.join(" ").slice(0, 4000);
+}
+
+export function isProviderBalanceError(error: unknown): boolean {
+  const message = getRequestErrorText(error);
+  return PROVIDER_BALANCE_PATTERNS.some((pattern) => pattern.test(message));
+}
+
 export function isRateLimitError(error: unknown): boolean {
+  // Some providers return HTTP 429 for an actual unpaid balance. The status
+  // alone must not override an explicit billing error in the response body.
+  if (isProviderBalanceError(error)) {
+    return false;
+  }
   if (getRequestErrorStatus(error) === 429) {
     return true;
   }
 
-  const message = getRequestErrorMessage(error);
+  const message = getRequestErrorText(error);
   if (!message) {
     return false;
   }
 
-  return RATE_LIMIT_PATTERNS.some((pattern) => pattern.test(message));
+  return /(?:^|\D)429(?:\D|$)/.test(message) ||
+    RATE_LIMIT_PATTERNS.some((pattern) => pattern.test(message));
+}
+
+export function getUserFacingImageGenerationErrorMessage(
+  error: unknown,
+  fallbackMessage = "图片生成失败，请稍后重试",
+) {
+  if (isProviderBalanceError(error)) {
+    return "图片服务商线路余额或额度不足，请切换模型或联系管理员；与您的积分余额无关。";
+  }
+  if (isRateLimitError(error)) {
+    return "图片服务请求过于频繁，请稍后重试或切换模型。";
+  }
+  return getRequestErrorMessage(error) || fallbackMessage;
 }
 
 export function getFriendlyRateLimitMessage(
@@ -181,6 +227,9 @@ export function getUserFacingRequestErrorMessage(
     rateLimitMessage?: string;
   }
 ) {
+  if (isProviderBalanceError(error)) {
+    return "模型服务商线路余额或额度不足，请切换模型或联系管理员。";
+  }
   if (isRateLimitError(error)) {
     return getFriendlyRateLimitMessage(options?.rateLimitMessage);
   }
diff --git a/lib/utils.ts b/lib/utils.ts
index 4c5a604a3..b7c6187b9 100644
--- a/lib/utils.ts
+++ b/lib/utils.ts
@@ -70,17 +70,19 @@ export async function fetchWithErrorHandlers(
       }
 
       const fallbackMessage =
-        getUserFacingRequestErrorMessage(
-          {
-            status: response.status,
-            data: payload,
-            message: responseText,
-          },
-          `Request failed with status ${response.status}`,
-          {
-            rateLimitMessage: getFriendlyRateLimitMessage(),
-          }
-        );
+        payload?.error === "quota_exceeded" && typeof payload?.message === "string"
+          ? payload.message
+          : getUserFacingRequestErrorMessage(
+              {
+                status: response.status,
+                data: payload,
+                message: responseText,
+              },
+              `Request failed with status ${response.status}`,
+              {
+                rateLimitMessage: getFriendlyRateLimitMessage(),
+              }
+            );
       const requestError = new Error(fallbackMessage) as Error & {
         status?: number;
         data?: any;
diff --git a/playwright.helpers.config.ts b/playwright.helpers.config.ts
index 84a557510..f728b0c00 100644
--- a/playwright.helpers.config.ts
+++ b/playwright.helpers.config.ts
@@ -5,6 +5,7 @@ export default defineConfig({
   testMatch: [
     /routes\/video-canvas-media-import\.test\.ts/,
     /routes\/video-canvas-toolbar-jobs\.test\.ts/,
+    /routes\/image-provider-error-classification\.test\.ts/,
     /routes\/video-canvas-audio-remote\.test\.ts/,
     /routes\/video-canvas-groups-upscale\.test\.ts/,
     /routes\/video-canvas-connections\.test\.ts/,
diff --git a/tests/routes/image-provider-error-classification.test.ts b/tests/routes/image-provider-error-classification.test.ts
new file mode 100644
index 000000000..978f291fc
--- /dev/null
+++ b/tests/routes/image-provider-error-classification.test.ts
@@ -0,0 +1,47 @@
+import { expect, test } from "@playwright/test";
+import {
+  getUserFacingImageGenerationErrorMessage,
+  getUserFacingRequestErrorMessage,
+  isProviderBalanceError,
+  isRateLimitError,
+} from "@/lib/request-error";
+import { isImageFallbackModelBalanceCoolingDown } from "@/lib/ai/runtime/image-fallback-balance-cooldown";
+
+test("a bare HTTP 429 is rate limiting, not insufficient balance", () => {
+  const error = Object.assign(new Error("Too many requests (HTTP 429)"), { status: 429 });
+  expect(isProviderBalanceError(error)).toBe(false);
+  expect(isRateLimitError(error)).toBe(true);
+  expect(getUserFacingImageGenerationErrorMessage(error)).toContain("请求过于频繁");
+  expect(getUserFacingRequestErrorMessage(error)).toContain("请求过于频繁");
+});
+
+test("an explicit provider balance error takes precedence over HTTP 429", () => {
+  const error = Object.assign(new Error("余额不足，请点击充值页面续费（HTTP 429）"), { status: 429 });
+  expect(isProviderBalanceError(error)).toBe(true);
+  expect(isRateLimitError(error)).toBe(false);
+  expect(getUserFacingImageGenerationErrorMessage(error)).toContain("服务商线路余额");
+  expect(getUserFacingImageGenerationErrorMessage(error)).toContain("与您的积分余额无关");
+  expect(getUserFacingImageGenerationErrorMessage(error)).not.toMatch(/^积分不足/);
+});
+
+test("nested billing details and generic quota limits are kept distinct", () => {
+  const nested = { status: 429, message: "request failed", data: { error: { message: "insufficient_balance" } } };
+  expect(isProviderBalanceError(nested)).toBe(true);
+  expect(isRateLimitError(nested)).toBe(false);
+  const usageLimit = new Error("Rate quota exceeded (HTTP 429)");
+  expect(isProviderBalanceError(usageLimit)).toBe(false);
+  expect(isRateLimitError(usageLimit)).toBe(true);
+  expect(isProviderBalanceError(new Error("该模型额度不足（HTTP 429）"))).toBe(true);
+});
+
+test("a recent confirmed provider balance failure skips only fallback selection", () => {
+  const now = Date.now();
+  const model = {
+    healthLastEventType: "quota",
+    healthLastError: "余额不足（HTTP 429）",
+    healthLastFailureAt: new Date(now - 30_000),
+  };
+  expect(isImageFallbackModelBalanceCoolingDown(model, now)).toBe(true);
+  expect(isImageFallbackModelBalanceCoolingDown({ ...model, healthLastFailureAt: new Date(now - 3 * 60 * 60 * 1000) }, now)).toBe(false);
+  expect(isImageFallbackModelBalanceCoolingDown({ ...model, healthLastEventType: "success" }, now)).toBe(false);
+});