diff --git a/frontend/components/v2/config-panels/V2MediaConfigPanel.tsx b/frontend/components/v2/config-panels/V2MediaConfigPanel.tsx
index eaf643ce..1a13de92 100644
--- a/frontend/components/v2/config-panels/V2MediaConfigPanel.tsx
+++ b/frontend/components/v2/config-panels/V2MediaConfigPanel.tsx
@@ -2,14 +2,54 @@
 
 /**
  * V2Media 설정 패널
- * 통합 미디어 컴포넌트의 세부 설정을 관리합니다.
+ * 토스식 단계별 UX: 미디어 타입 카드 선택 -> 기본 설정 -> 타입별 설정 -> 고급 설정(접힘)
  */
 
-import React from "react";
-import { Label } from "@/components/ui/label";
+import React, { useState } from "react";
 import { Input } from "@/components/ui/input";
-import { Select, SelectContent, SelectItem, SelectTrigger, SelectValue } from "@/components/ui/select";
-import { Checkbox } from "@/components/ui/checkbox";
+import { Switch } from "@/components/ui/switch";
+import {
+  Collapsible,
+  CollapsibleContent,
+  CollapsibleTrigger,
+} from "@/components/ui/collapsible";
+import {
+  FileText,
+  Image,
+  Video,
+  Music,
+  Settings,
+  ChevronDown,
+} from "lucide-react";
+import { cn } from "@/lib/utils";
+
+// ─── 미디어 타입 카드 정의 ───
+const MEDIA_TYPE_CARDS = [
+  {
+    value: "file",
+    icon: FileText,
+    title: "파일",
+    description: "일반 파일을 업로드해요",
+  },
+  {
+    value: "image",
+    icon: Image,
+    title: "이미지",
+    description: "사진이나 그림을 올려요",
+  },
+  {
+    value: "video",
+    icon: Video,
+    title: "비디오",
+    description: "동영상을 업로드해요",
+  },
+  {
+    value: "audio",
+    icon: Music,
+    title: "오디오",
+    description: "음악이나 녹음을 올려요",
+  },
+] as const;
 
 interface V2MediaConfigPanelProps {
   config: Record<string, any>;
@@ -20,133 +60,150 @@ export const V2MediaConfigPanel: React.FC<V2MediaConfigPanelProps> = ({
   config,
   onChange,
 }) => {
+  const [advancedOpen, setAdvancedOpen] = useState(false);
+
   const updateConfig = (field: string, value: any) => {
     onChange({ ...config, [field]: value });
   };
 
+  const currentMediaType = config.mediaType || config.type || "image";
+  const isImageType = currentMediaType === "image";
+  const isPlayerType = currentMediaType === "video" || currentMediaType === "audio";
+
   return (
-    <div className="space-y-1">
-      {/* MEDIA TYPE 섹션 */}
-      <div className="border-b border-border/50 pb-3 mb-3">
-        <h4 className="text-[10px] font-semibold uppercase tracking-wider text-muted-foreground py-2">MEDIA TYPE</h4>
-        <div className="flex items-center justify-between py-1.5">
-          <span className="text-xs text-muted-foreground">미디어 타입</span>
-          <div className="w-[140px]">
-            <Select
-              value={config.mediaType || config.type || "image"}
-              onValueChange={(value) => updateConfig("mediaType", value)}
-            >
-              <SelectTrigger className="h-7 text-xs">
-                <SelectValue placeholder="타입 선택" />
-              </SelectTrigger>
-              <SelectContent>
-                <SelectItem value="file">파일</SelectItem>
-                <SelectItem value="image">이미지</SelectItem>
-                <SelectItem value="video">비디오</SelectItem>
-                <SelectItem value="audio">오디오</SelectItem>
-              </SelectContent>
-            </Select>
-          </div>
+    <div className="space-y-4">
+      {/* ─── 1단계: 미디어 타입 선택 (카드) ─── */}
+      <div className="space-y-2">
+        <p className="text-sm font-medium">어떤 미디어를 업로드하나요?</p>
+        <div className="grid grid-cols-2 gap-2">
+          {MEDIA_TYPE_CARDS.map((card) => {
+            const Icon = card.icon;
+            const isSelected = currentMediaType === card.value;
+            return (
+              <button
+                key={card.value}
+                type="button"
+                onClick={() => updateConfig("mediaType", card.value)}
+                className={cn(
+                  "flex flex-col items-center justify-center rounded-lg border p-3 text-center transition-all min-h-[80px]",
+                  isSelected
+                    ? "border-primary bg-primary/5 ring-1 ring-primary/20"
+                    : "border-border hover:border-primary/50 hover:bg-muted/50",
+                )}
+              >
+                <Icon className="h-5 w-5 mb-1.5 text-primary" />
+                <span className="text-xs font-medium leading-tight">
+                  {card.title}
+                </span>
+                <span className="text-[10px] text-muted-foreground leading-tight mt-0.5">
+                  {card.description}
+                </span>
+              </button>
+            );
+          })}
         </div>
       </div>
 
-      {/* FILE SETTINGS 섹션 */}
-      <div className="border-b border-border/50 pb-3 mb-3">
-        <h4 className="text-[10px] font-semibold uppercase tracking-wider text-muted-foreground py-2">FILE SETTINGS</h4>
+      {/* ─── 2단계: 기본 설정 ─── */}
+      <div className="rounded-lg border bg-muted/30 p-4 space-y-3">
+        <span className="text-sm font-medium">파일 설정</span>
+
         <div className="flex items-center justify-between py-1.5">
-          <span className="text-xs text-muted-foreground">허용 파일 형식</span>
-          <div className="w-[140px]">
-            <Input
-              value={config.accept || ""}
-              onChange={(e) => updateConfig("accept", e.target.value)}
-              placeholder=".jpg,.png,.pdf"
-              className="h-7 text-xs"
-            />
-          </div>
-        </div>
-        <div className="flex items-center justify-between py-1.5">
-          <span className="text-xs text-muted-foreground">최대 크기 (MB)</span>
-          <div className="w-[140px]">
-            <Input
-              type="number"
-              value={config.maxSize || ""}
-              onChange={(e) => updateConfig("maxSize", e.target.value ? Number(e.target.value) : undefined)}
-              placeholder="10"
-              min="1"
-              className="h-7 text-xs"
-            />
-          </div>
-        </div>
-        <div className="flex items-center justify-between py-1.5">
-          <span className="text-xs text-muted-foreground">최대 파일 수</span>
-          <div className="w-[140px]">
-            <Input
-              type="number"
-              value={config.maxFiles || ""}
-              onChange={(e) => updateConfig("maxFiles", e.target.value ? Number(e.target.value) : undefined)}
-              placeholder="제한 없음"
-              min="1"
-              className="h-7 text-xs"
-            />
-          </div>
+          <span className="text-xs text-muted-foreground">허용 형식</span>
+          <Input
+            value={config.accept || ""}
+            onChange={(e) => updateConfig("accept", e.target.value)}
+            placeholder=".jpg,.png,.pdf"
+            className="h-8 w-[180px] text-sm"
+          />
         </div>
       </div>
 
-      {/* OPTIONS 섹션 */}
-      <div className="border-b border-border/50 pb-3 mb-3">
-        <h4 className="text-[10px] font-semibold uppercase tracking-wider text-muted-foreground py-2">OPTIONS</h4>
-        <div className="flex items-center justify-between py-1.5">
-          <span className="text-xs text-muted-foreground">다중 파일 업로드</span>
-          <Checkbox
+      {/* ─── 3단계: 업로드 옵션 (Switch + 설명) ─── */}
+      <div className="space-y-2">
+        <div className="flex items-center justify-between py-1">
+          <div>
+            <p className="text-sm">여러 파일 업로드</p>
+            <p className="text-[11px] text-muted-foreground">
+              한 번에 여러 파일을 선택할 수 있어요
+            </p>
+          </div>
+          <Switch
             checked={config.multiple || false}
             onCheckedChange={(checked) => updateConfig("multiple", checked)}
           />
         </div>
-        <div className="flex items-center justify-between py-1.5">
-          <span className="text-xs text-muted-foreground">미리보기 표시</span>
-          <Checkbox
+
+        <div className="flex items-center justify-between py-1">
+          <div>
+            <p className="text-sm">미리보기</p>
+            <p className="text-[11px] text-muted-foreground">
+              업로드한 파일의 미리보기가 표시돼요
+            </p>
+          </div>
+          <Switch
             checked={config.preview !== false}
             onCheckedChange={(checked) => updateConfig("preview", checked)}
           />
         </div>
-        <div className="flex items-center justify-between py-1.5">
-          <span className="text-xs text-muted-foreground">드래그 앤 드롭</span>
-          <Checkbox
+
+        <div className="flex items-center justify-between py-1">
+          <div>
+            <p className="text-sm">드래그 앤 드롭</p>
+            <p className="text-[11px] text-muted-foreground">
+              파일을 끌어다 놓아서 업로드할 수 있어요
+            </p>
+          </div>
+          <Switch
             checked={config.dragDrop !== false}
             onCheckedChange={(checked) => updateConfig("dragDrop", checked)}
           />
         </div>
       </div>
 
-      {/* IMAGE SETTINGS 섹션 - 이미지 타입 전용 */}
-      {config.mediaType === "image" && (
-        <div className="border-b border-border/50 pb-3 mb-3">
-          <h4 className="text-[10px] font-semibold uppercase tracking-wider text-muted-foreground py-2">IMAGE SETTINGS</h4>
-          <div className="flex gap-2">
-            <div className="flex-1">
-              <Label className="text-[10px] text-muted-foreground">최대 너비 (px)</Label>
-              <Input
-                type="number"
-                value={config.maxWidth || ""}
-                onChange={(e) => updateConfig("maxWidth", e.target.value ? Number(e.target.value) : undefined)}
-                placeholder="자동"
-                className="h-7 text-xs"
-              />
+      {/* ─── 4단계: 타입별 설정 ─── */}
+
+      {/* 이미지 타입: 크기 제한 + 자르기 */}
+      {isImageType && (
+        <div className="space-y-3">
+          <div className="rounded-lg border bg-muted/30 p-4 space-y-3">
+            <div className="flex items-center gap-2">
+              <Image className="h-4 w-4 text-primary" />
+              <span className="text-sm font-medium">이미지 설정</span>
             </div>
-            <div className="flex-1">
-              <Label className="text-[10px] text-muted-foreground">최대 높이 (px)</Label>
-              <Input
-                type="number"
-                value={config.maxHeight || ""}
-                onChange={(e) => updateConfig("maxHeight", e.target.value ? Number(e.target.value) : undefined)}
-                placeholder="자동"
-                className="h-7 text-xs"
-              />
+
+            <div className="flex gap-2">
+              <div className="flex-1">
+                <span className="text-xs text-muted-foreground">최대 너비 (px)</span>
+                <Input
+                  type="number"
+                  value={config.maxWidth || ""}
+                  onChange={(e) => updateConfig("maxWidth", e.target.value ? Number(e.target.value) : undefined)}
+                  placeholder="자동"
+                  className="mt-1 h-8 text-sm"
+                />
+              </div>
+              <div className="flex-1">
+                <span className="text-xs text-muted-foreground">최대 높이 (px)</span>
+                <Input
+                  type="number"
+                  value={config.maxHeight || ""}
+                  onChange={(e) => updateConfig("maxHeight", e.target.value ? Number(e.target.value) : undefined)}
+                  placeholder="자동"
+                  className="mt-1 h-8 text-sm"
+                />
+              </div>
             </div>
           </div>
-          <div className="flex items-center justify-between py-1.5">
-            <span className="text-xs text-muted-foreground">자르기 기능</span>
-            <Checkbox
+
+          <div className="flex items-center justify-between py-1">
+            <div>
+              <p className="text-sm">자르기 기능</p>
+              <p className="text-[11px] text-muted-foreground">
+                이미지를 원하는 크기로 잘라서 올릴 수 있어요
+              </p>
+            </div>
+            <Switch
               checked={config.crop || false}
               onCheckedChange={(checked) => updateConfig("crop", checked)}
             />
@@ -154,33 +211,108 @@ export const V2MediaConfigPanel: React.FC<V2MediaConfigPanelProps> = ({
         </div>
       )}
 
-      {/* PLAYER SETTINGS 섹션 - 비디오/오디오 전용 */}
-      {(config.mediaType === "video" || config.mediaType === "audio") && (
-        <div className="border-b border-border/50 pb-3 mb-3">
-          <h4 className="text-[10px] font-semibold uppercase tracking-wider text-muted-foreground py-2">PLAYER SETTINGS</h4>
-          <div className="flex items-center justify-between py-1.5">
-            <span className="text-xs text-muted-foreground">자동 재생</span>
-            <Checkbox
+      {/* 비디오/오디오 타입: 플레이어 설정 */}
+      {isPlayerType && (
+        <div className="space-y-2">
+          <div className="rounded-lg border bg-muted/30 p-4">
+            <div className="flex items-center gap-2">
+              {currentMediaType === "video" ? (
+                <Video className="h-4 w-4 text-primary" />
+              ) : (
+                <Music className="h-4 w-4 text-primary" />
+              )}
+              <span className="text-sm font-medium">플레이어 설정</span>
+            </div>
+          </div>
+
+          <div className="flex items-center justify-between py-1">
+            <div>
+              <p className="text-sm">자동 재생</p>
+              <p className="text-[11px] text-muted-foreground">
+                페이지를 열면 자동으로 재생돼요
+              </p>
+            </div>
+            <Switch
               checked={config.autoplay || false}
               onCheckedChange={(checked) => updateConfig("autoplay", checked)}
             />
           </div>
-          <div className="flex items-center justify-between py-1.5">
-            <span className="text-xs text-muted-foreground">컨트롤 표시</span>
-            <Checkbox
+
+          <div className="flex items-center justify-between py-1">
+            <div>
+              <p className="text-sm">컨트롤 표시</p>
+              <p className="text-[11px] text-muted-foreground">
+                재생, 정지, 볼륨 등 조작 버튼이 보여요
+              </p>
+            </div>
+            <Switch
               checked={config.controls !== false}
               onCheckedChange={(checked) => updateConfig("controls", checked)}
             />
           </div>
-          <div className="flex items-center justify-between py-1.5">
-            <span className="text-xs text-muted-foreground">반복 재생</span>
-            <Checkbox
+
+          <div className="flex items-center justify-between py-1">
+            <div>
+              <p className="text-sm">반복 재생</p>
+              <p className="text-[11px] text-muted-foreground">
+                끝나면 처음부터 다시 재생해요
+              </p>
+            </div>
+            <Switch
               checked={config.loop || false}
               onCheckedChange={(checked) => updateConfig("loop", checked)}
             />
           </div>
         </div>
       )}
+
+      {/* ─── 5단계: 고급 설정 (기본 접혀있음) ─── */}
+      <Collapsible open={advancedOpen} onOpenChange={setAdvancedOpen}>
+        <CollapsibleTrigger asChild>
+          <button
+            type="button"
+            className="flex w-full items-center justify-between rounded-lg border bg-muted/30 px-4 py-2.5 text-left transition-colors hover:bg-muted/50"
+          >
+            <div className="flex items-center gap-2">
+              <Settings className="h-4 w-4 text-muted-foreground" />
+              <span className="text-sm font-medium">고급 설정</span>
+            </div>
+            <ChevronDown
+              className={cn(
+                "h-4 w-4 text-muted-foreground transition-transform duration-200",
+                advancedOpen && "rotate-180",
+              )}
+            />
+          </button>
+        </CollapsibleTrigger>
+        <CollapsibleContent>
+          <div className="rounded-b-lg border border-t-0 p-4 space-y-3">
+            <div className="flex items-center justify-between py-1.5">
+              <span className="text-xs text-muted-foreground">최대 크기 (MB)</span>
+              <Input
+                type="number"
+                value={config.maxSize || ""}
+                onChange={(e) => updateConfig("maxSize", e.target.value ? Number(e.target.value) : undefined)}
+                placeholder="10"
+                min="1"
+                className="h-8 w-[180px] text-sm"
+              />
+            </div>
+
+            <div className="flex items-center justify-between py-1.5">
+              <span className="text-xs text-muted-foreground">최대 파일 수</span>
+              <Input
+                type="number"
+                value={config.maxFiles || ""}
+                onChange={(e) => updateConfig("maxFiles", e.target.value ? Number(e.target.value) : undefined)}
+                placeholder="제한 없음"
+                min="1"
+                className="h-8 w-[180px] text-sm"
+              />
+            </div>
+          </div>
+        </CollapsibleContent>
+      </Collapsible>
     </div>
   );
 };