diff --git a/assets/admin/src/components/form/AksField.vue b/assets/admin/src/components/form/AksField.vue
index 23a4c071..962ac9fc 100644
--- a/assets/admin/src/components/form/AksField.vue
+++ b/assets/admin/src/components/form/AksField.vue
@@ -476,14 +476,43 @@
 
     <!-- Fieldset (single nested object) -->
     <div v-else-if="schema.type === 'fieldset' || schema.type === 'accordion'" class="aksrt-field__fieldset">
-      <AksField
-        v-for="field in visibleNestedFields"
-        :key="field.key"
-        :schema="field"
-        :model-value="fieldsetValue(field)"
-        :form-data="formData"
-        @update:model-value="updateFieldsetValue(field.key, $event)"
-      />
+      <template v-if="fieldsetSections.length">
+        <div
+          v-for="(section, sIndex) in fieldsetSections"
+          :key="section.title"
+          class="aksrt-field__accordion-section"
+          :class="{ 'is-collapsed': !isFieldsetSectionOpen(sIndex) }"
+        >
+          <div class="aksrt-field__accordion-section-head" @click="toggleFieldsetSection(sIndex)">
+            <span class="aksrt-field__accordion-section-title">{{ section.title }}</span>
+            <FaIcon
+              :icon="isFieldsetSectionOpen(sIndex) ? 'fa fas fa-chevron-down' : 'fa fas fa-chevron-right'"
+              :size="12"
+              class="aksrt-field__accordion-section-toggle"
+            />
+          </div>
+          <div v-show="isFieldsetSectionOpen(sIndex)" class="aksrt-field__accordion-section-body">
+            <AksField
+              v-for="field in section.fields"
+              :key="field.key"
+              :schema="field"
+              :model-value="fieldsetValue(field)"
+              :form-data="formData"
+              @update:model-value="updateFieldsetValue(field.key, $event)"
+            />
+          </div>
+        </div>
+      </template>
+      <template v-if="!fieldsetSections.length">
+        <AksField
+          v-for="field in visibleNestedFields"
+          :key="field.key"
+          :schema="field"
+          :model-value="fieldsetValue(field)"
+          :form-data="formData"
+          @update:model-value="updateFieldsetValue(field.key, $event)"
+        />
+      </template>
     </div>
 
     <div v-else-if="schema.type === 'link'" class="aksrt-field__link">
@@ -517,23 +546,38 @@
         animation="180"
       >
         <template #item="{ element, index }">
-          <div class="aksrt-field__repeater-item">
-            <div class="aksrt-field__repeater-header">
+          <div class="aksrt-field__repeater-item" :class="{ 'is-collapsible': repeaterCollapsible, 'is-collapsed': repeaterCollapsible && !isRepeaterItemOpen(index) }">
+            <div
+              class="aksrt-field__repeater-header"
+              :class="{ 'is-clickable': repeaterCollapsible }"
+              @click="repeaterCollapsible ? toggleRepeaterItem(index) : undefined"
+            >
               <div class="aksrt-field__repeater-title">
-                <i class="fa fas fa-grip-vertical aksrt-field__repeater-handle" aria-hidden="true"></i>
+                <i class="fa fas fa-grip-vertical aksrt-field__repeater-handle" aria-hidden="true" @click.stop></i>
                 <span class="aksrt-field__repeater-index">#{{ index + 1 }}</span>
+                <span v-if="repeaterCollapsible && repeaterItemSummary(element)" class="aksrt-field__repeater-summary">
+                  {{ repeaterItemSummary(element) }}
+                </span>
+              </div>
+              <div class="aksrt-field__repeater-header-actions" @click.stop>
+                <FaIcon
+                  v-if="repeaterCollapsible"
+                  :icon="isRepeaterItemOpen(index) ? 'fa fas fa-chevron-down' : 'fa fas fa-chevron-right'"
+                  :size="12"
+                  class="aksrt-field__repeater-toggle"
+                />
+                <n-button
+                  size="tiny"
+                  type="error"
+                  text
+                  :disabled="schema.disabled || reachedRepeaterMinimum"
+                  @click="removeRepeaterItem(index)"
+                >
+                  <FaIcon icon="fa fas fa-trash-alt" :size="12" />
+                </n-button>
               </div>
-              <n-button
-                size="tiny"
-                type="error"
-                text
-                :disabled="schema.disabled || reachedRepeaterMinimum"
-                @click="removeRepeaterItem(index)"
-              >
-                <FaIcon icon="fa fas fa-trash-alt" :size="12" />
-              </n-button>
             </div>
-            <div class="aksrt-field__repeater-fields">
+            <div v-show="!repeaterCollapsible || isRepeaterItemOpen(index)" class="aksrt-field__repeater-fields">
               <template v-for="field in (schema.fields || [])" :key="field.key">
                 <AksField
                   v-if="matchDependency(field.dependsOn, element)"
@@ -730,6 +774,60 @@ const repeaterItems = computed(() => Array.isArray(props.modelValue) ? props.mod
 const reachedRepeaterMinimum = computed(() => repeaterLength.value <= Number(props.schema.min || 0))
 const reachedRepeaterMaximum = computed(() => Number(props.schema.max || 0) > 0 && repeaterLength.value >= Number(props.schema.max))
 
+/* ------------------------------------------------------------------ *
+ * 手风琴模式：schema.collapsible 开启后，每一项默认收起，仅显示标题行，
+ * 点击标题行展开/收起。defaultCollapsed 为 false 时改为默认全部展开。
+ * ------------------------------------------------------------------ */
+const repeaterCollapsible = computed(() => !!props.schema.collapsible)
+const repeaterDefaultOpen = computed(() => props.schema.defaultCollapsed === false)
+// 只记录「与默认状态相反」的下标，新增/删除项时其余项的开合状态不受影响。
+const toggledRepeaterItems = ref(new Set())
+
+function isRepeaterItemOpen(index) {
+  if (!repeaterCollapsible.value) return true
+  return repeaterDefaultOpen.value !== toggledRepeaterItems.value.has(index)
+}
+
+function toggleRepeaterItem(index) {
+  const next = new Set(toggledRepeaterItems.value)
+  if (next.has(index)) {
+    next.delete(index)
+  } else {
+    next.add(index)
+  }
+  toggledRepeaterItems.value = next
+}
+
+/** 收起态标题行上的一行摘要，取自 listPreview 配置。 */
+function repeaterItemSummary(item) {
+  if (!repeaterCollapsible.value || !item) return ''
+  const cfg = getRepeaterPreviewConfig()
+  const titleKey = cfg.titleKey || 'title'
+  const title = String(item[titleKey] ?? '').trim()
+  const prefix = String(cfg.prefix || '')
+  if (title === '') return prefix
+  const desc = repeaterItemDuration(item)
+  return desc ? `${prefix}${title} · ${desc}` : `${prefix}${title}`
+}
+
+/** time/unit 形态的时长摘要：0 视为永久，其余按 day/month 补单位。 */
+function repeaterItemDuration(item) {
+  const cfg = getRepeaterPreviewConfig()
+  const descKey = cfg.descKey
+  if (!descKey) return ''
+  const raw = item[descKey]
+  if (raw === '' || raw == null) return ''
+  const amount = Number(raw)
+  if (!Number.isFinite(amount)) return String(raw)
+  if (amount <= 0) return '永久'
+  const unitKey = cfg.descUnitKey
+  if (!unitKey) return String(raw)
+  const unit = String(item[unitKey] || '')
+  if (unit === 'month') return `${amount} 个月`
+  if (unit === 'day') return `${amount} 天`
+  return String(raw)
+}
+
 /** 拖拽视图：vuedraggable 以 modelValue 模式工作（内部复制后回传 update:modelValue）。 */
 const repeaterDragList = computed({
   get: () => (Array.isArray(props.modelValue) ? props.modelValue : []),
@@ -762,6 +860,41 @@ function fieldsetValue(field) {
   return Object.prototype.hasOwnProperty.call(current, field.key) ? current[field.key] : field.default
 }
 
+/* ------------------------------------------------------------------ *
+ * accordion/fieldset 的分块手风琴：schema.sections 声明每块的标题与字段
+ * key，默认全部收起，点击块标题展开。未声明 sections 时保持平铺渲染。
+ * ------------------------------------------------------------------ */
+const fieldsetSections = computed(() => {
+  const sections = Array.isArray(props.schema.sections) ? props.schema : []
+  if (!sections.length) return []
+  const byKey = {}
+  for (const field of (props.schema.fields || [])) {
+    byKey[field.key] = field
+  }
+  return sections.map((section) => ({
+    title: String(section.title || ''),
+    fields: (Array.isArray(section.keys) ? section.keys : [])
+      .map((key) => byKey[key])
+      .filter(Boolean),
+  }))
+})
+
+const openFieldsetSections = ref(new Set())
+
+function isFieldsetSectionOpen(index) {
+  return openFieldsetSections.value.has(index)
+}
+
+function toggleFieldsetSection(index) {
+  const next = new Set(openFieldsetSections.value)
+  if (next.has(index)) {
+    next.delete(index)
+  } else {
+    next.add(index)
+  }
+  openFieldsetSections.value = next
+}
+
 function updateFieldsetValue(key, value) {
   const current = props.modelValue && typeof props.modelValue === 'object' && !Array.isArray(props.modelValue)
     ? props.modelValue
@@ -1451,6 +1584,48 @@ function confirmRepeaterModal() {
   background: var(--aksrt-color-canvas);
 }
 
+.aksrt-field__accordion-section + .aksrt-field__accordion-section {
+  margin-top: 8px;
+}
+
+.aksrt-field__accordion-section-head {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 8px;
+  padding: 8px 10px;
+  border: 1px solid var(--aksrt-color-border);
+  border-radius: 6px;
+  background: var(--aksrt-color-surface);
+  cursor: pointer;
+  user-select: none;
+  font-size: 13px;
+  font-weight: 600;
+  color: var(--aksrt-color-text);
+  transition: border-color 0.15s, color 0.15s;
+}
+
+.aksrt-field__accordion-section-head:hover {
+  border-color: var(--aksrt-color-primary);
+  color: var(--aksrt-color-primary);
+}
+
+.aksrt-field__accordion-section-title {
+  min-width: 0;
+}
+
+.aksrt-field__accordion-section-toggle {
+  flex-shrink: 0;
+  color: var(--aksrt-color-text-secondary);
+}
+
+.aksrt-field__accordion-section-body {
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+  padding: 10px 2px 2px;
+}
+
 .aksrt-field__repeater {
   display: flex;
   flex-direction: column;
@@ -1479,6 +1654,47 @@ function confirmRepeaterModal() {
   min-width: 0;
 }
 
+.aksrt-field__repeater-header.is-clickable {
+  cursor: pointer;
+  user-select: none;
+  border-radius: 6px;
+  margin: -4px -4px 0;
+  padding: 4px 4px 0;
+}
+
+.aksrt-field__repeater-header.is-clickable:hover .aksrt-field__repeater-index {
+  color: var(--aksrt-color-primary-hover);
+}
+
+.aksrt-field__repeater-header-actions {
+  display: flex;
+  align-items: center;
+  gap: 4px;
+  flex-shrink: 0;
+}
+
+.aksrt-field__repeater-toggle {
+  color: var(--aksrt-color-text-secondary);
+  transition: transform 0.15s;
+}
+
+.aksrt-field__repeater-summary {
+  min-width: 0;
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+  font-size: 12px;
+  color: var(--aksrt-color-text-secondary);
+}
+
+.aksrt-field__repeater-item.is-collapsible {
+  padding: 10px 12px;
+}
+
+.aksrt-field__repeater-item.is-collapsed .aksrt-field__repeater-header {
+  margin-bottom: 0;
+}
+
 .aksrt-field__repeater-handle {
   cursor: grab;
   color: var(--aksrt-color-text-tertiary);
diff --git a/assets/admin/src/schema/sections/payment/vip.js b/assets/admin/src/schema/sections/payment/vip.js
index bef158aa..334dbda7 100644
--- a/assets/admin/src/schema/sections/payment/vip.js
+++ b/assets/admin/src/schema/sections/payment/vip.js
@@ -34,6 +34,20 @@ const vipUnitOptions = [
   { label: '月', value: 'month' },
 ];
 
+// 会员商品/续费商品的手风琴配置：默认收起，标题行显示价格与时长摘要。
+const vipProductGroupOptions = {
+  collapsible: true,
+  defaultCollapsed: true,
+  listPreview: { prefix: '价格：', titleKey: 'price', descKey: 'time', descUnitKey: 'unit' },
+};
+
+// 积分兑换明细的手风琴配置：默认收起，标题行显示积分与时长摘要。
+const vipPointsGroupOptions = {
+  collapsible: true,
+  defaultCollapsed: true,
+  listPreview: { prefix: '积分：', titleKey: 'points', descKey: 'time', descUnitKey: 'unit' },
+};
+
 /**
  * 会员商品字段集（参考主题 CFS_Module::vip_product）。
  */
@@ -69,6 +83,7 @@ function vipLevelTabFields(level) {
         { price: 99, show_price: 199, tag: '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', time: 3, unit: 'month' },
         { price: 199, show_price: 299, tag: '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', time: 6, unit: 'month' },
       ],
+      ...vipProductGroupOptions,
       dependsOn: { all: [dep, { key: `vip_${level}_product_s`, value: true }] },
       help: '会员购买价格配置：执行价、原价、促销标签、标签颜色与会员有效时间',
       fields: vipProductFields(),
@@ -331,6 +346,7 @@ export const vipSchema = {
                   ],
                   dependsOn: { key: 'vip_renew_price_type', value: 'customize' },
                   help: '一级会员续费的商品选项',
+                  ...vipProductGroupOptions,
                   fields: vipProductFields(),
                 },
                 {
@@ -345,6 +361,7 @@ export const vipSchema = {
                   ],
                   dependsOn: { key: 'vip_renew_price_type', value: 'customize' },
                   help: '二级会员续费的商品选项',
+                  ...vipProductGroupOptions,
                   fields: vipProductFields(),
                 },
               ],
@@ -376,6 +393,11 @@ export const vipSchema = {
                   },
                   dependsOn: { key: 'vip_upgrade', value: true },
                   help: '会员升级的商品选项',
+                  sections: [
+                    { title: '月费会员升级月费会员', keys: ['_upgrade_unit_notice', 'month_to_month_s', 'unit_price', 'unit_tag', 'unit_tag_class'] },
+                    { title: '月费会员升级永久会员', keys: ['_upgrade_jump_notice', 'jump_s', 'jump_price', 'jump_show_price', 'jump_tag', 'jump_tag_class'] },
+                    { title: '永久会员升级永久会员', keys: ['permanent_price', 'permanent_show_price', 'permanent_tag', 'permanent_tag_class'] },
+                  ],
                   fields: [
                     { key: '_upgrade_unit_notice', label: '', type: 'notice', ui_only: true, alertType: 'warning', content: '月费会员升级为月费会员，用户会员有效期不会改变；价格按照会员剩余天数计算升级价格，请在下方设置每天的单价' },
                     { key: 'month_to_month_s', label: '月费会员升级月费会员', type: 'switch', default: true },
@@ -418,6 +440,7 @@ export const vipSchema = {
           ],
           dependsOn: { key: 'pay_vip_points_exchange_s', value: true },
           help: '每一行为一个可兑换的会员套餐',
+          ...vipPointsGroupOptions,
           fields: [
             { key: 'points', label: '使用积分', type: 'number', default: 100, min: 0, unit: '积分' },
             {
diff --git a/src/Admin/Schema/SchemaPayment.php b/src/Admin/Schema/SchemaPayment.php
index 3a957432..ae6074c9 100644
--- a/src/Admin/Schema/SchemaPayment.php
+++ b/src/Admin/Schema/SchemaPayment.php
@@ -230,6 +230,7 @@ class SchemaPayment {
 										],
 										'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'customize'],
 										'help' => '一级会员续费的商品选项',
+									...self::vip_product_group_options(),
 										'fields' => self::vip_product_fields(),
 									],
 									[
@@ -240,6 +241,7 @@ class SchemaPayment {
 										],
 										'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'customize'],
 										'help' => '二级会员续费的商品选项',
+									...self::vip_product_group_options(),
 										'fields' => self::vip_product_fields(),
 									],
 								]],
@@ -254,6 +256,11 @@ class SchemaPayment {
 										],
 										'dependsOn' => ['key' => 'vip_upgrade', 'value' => true],
 										'help' => '会员升级的商品选项',
+									'sections' => [
+										['title' => '月费会员升级月费会员', 'keys' => ['_upgrade_unit_notice', 'month_to_month_s', 'unit_price', 'unit_tag', 'unit_tag_class']],
+										['title' => '月费会员升级永久会员', 'keys' => ['_upgrade_jump_notice', 'jump_s', 'jump_price', 'jump_show_price', 'jump_tag', 'jump_tag_class']],
+										['title' => '永久会员升级永久会员', 'keys' => ['permanent_price', 'permanent_show_price', 'permanent_tag', 'permanent_tag_class']],
+									],
 										'fields' => [
 											['key' => '_upgrade_unit_notice', 'label' => '', 'type' => 'notice', 'ui_only' => true, 'alertType' => 'warning', 'content' => '月费会员升级为月费会员，用户会员有效期不会改变；价格按照会员剩余天数计算升级价格，请在下方设置每天的单价'],
 											['key' => 'month_to_month_s', 'label' => '月费会员升级月费会员', 'type' => 'switch', 'default' => true],
@@ -285,6 +292,9 @@ class SchemaPayment {
 								],
 								'dependsOn' => ['key' => 'pay_vip_points_exchange_s', 'value' => true],
 								'help' => '每一行为一个可兑换的会员套餐',
+							'collapsible'      => true,
+							'defaultCollapsed' => true,
+							'listPreview'      => ['prefix' => '积分：', 'titleKey' => 'points', 'descKey' => 'time', 'descUnitKey' => 'unit'],
 								'fields' => [
 									['key' => 'points', 'label' => '使用积分', 'type' => 'number', 'default' => 100, 'min' => 0, 'unit' => '积分'],
 									['key' => 'level', 'label' => '兑换会员', 'type' => 'radio', 'default' => 1, 'inline' => true, 'options' => [
@@ -591,6 +601,19 @@ class SchemaPayment {
 		];
 	}
 
+	/**
+	 * 会员商品/续费商品的手风琴配置：默认收起，标题行显示价格与时长摘要。
+	 *
+	 * @return array<string,mixed>
+	 */
+	private static function vip_product_group_options(): array {
+		return [
+			'collapsible'     => true,
+			'defaultCollapsed' => true,
+			'listPreview'     => ['prefix' => '价格：', 'titleKey' => 'price', 'descKey' => 'time', 'descUnitKey' => 'unit'],
+		];
+	}
+
 	/**
 	 * PayPal / Stripe 结算货币选项（参考主题同款 26 种）。
 	 *
@@ -668,6 +691,7 @@ class SchemaPayment {
 			[
 				'key' => 'vip_' . $level . '_product', 'label' => '会员商品', 'type' => 'group', 'max' => 8,
 				'button_title' => '添加会员商品', 'default' => self::vip_product_defaults(),
+				...self::vip_product_group_options(),
 				'dependsOn' => ['all' => [$dep, ['key' => 'vip_' . $level . '_product_s', 'value' => true]]],
 				'help' => '会员购买价格配置：执行价、原价、促销标签、标签颜色与会员有效时间',
 				'fields' => self::vip_product_fields(),
diff --git a/tests/widget-system/vip-settings-structured-contract.test.cjs b/tests/widget-system/vip-settings-structured-contract.test.cjs
index c72db2dd..49edb2ed 100644
--- a/tests/widget-system/vip-settings-structured-contract.test.cjs
+++ b/tests/widget-system/vip-settings-structured-contract.test.cjs
@@ -28,6 +28,7 @@ const packagesTrait = read('src', 'Content', 'VipServicePackages.php');
 const purchaseSource = read('src', 'Content', 'VipServicePurchase.php');
 const modalSource = read('src', 'Content', 'VipServiceModal.php');
 const rendererVue = read('assets', 'admin', 'src', 'components', 'form', 'AksFormRenderer.vue');
+const fieldVue = read('assets', 'admin', 'src', 'components', 'form', 'AksField.vue');
 const payVipJs = read('assets', 'js', 'pay-vip.js');
 const vipTabPhp = read('inc', 'helpers', 'user-center-renderers', 'vip-tab.php');
 const homeCms = read('src', 'Settings', 'HomeCms.php');
@@ -56,6 +57,27 @@ function runHarness() {
   return JSON.parse(out);
 }
 
+/** 在 SPA schema 里按 key 递归查找字段定义。 */
+function findGroup(schema, key) {
+  const walk = (nodes) => {
+    for (const node of nodes) {
+      if (node.key === key) return node
+      if (Array.isArray(node.tabs)) {
+        for (const tab of node.tabs) {
+          const hit = walk(tab.fields || [])
+          if (hit) return hit
+        }
+      }
+      if (Array.isArray(node.fields)) {
+        const hit = walk(node.fields)
+        if (hit) return hit
+      }
+    }
+    return null
+  }
+  return walk(schema.groups)
+}
+
 // 只切 VIP 设置函数：充值/积分设置里的 products_raw 与本文无关。
 function vipSettingsSlice() {
   const start = paymentRuntime.indexOf('public static function get_payment_vip_settings');
@@ -121,6 +143,56 @@ test('等级 Tab 标题由显示名称动态驱动', () => {
   assert.match(rendererVue, /:name="tabName\(tab\)"/);
   assert.match(rendererVue, /:tab="tabName\(tab\)"/);
   assert.match(rendererVue, /function tabName\(tab\) \{[\s\S]*?tab\.titleKey[\s\S]*?tab\.titleFallback/);
+  // 手风琴：默认收起，点击标题行展开。
+  assert.match(fieldVue, /const repeaterCollapsible = computed\(\(\) => !!props\.schema\.collapsible\)/);
+  assert.match(fieldVue, /const repeaterDefaultOpen = computed\(\(\) => props\.schema\.defaultCollapsed === false\)/);
+  assert.match(fieldVue, /function toggleRepeaterItem\(index\)/);
+  assert.match(fieldVue, /v-show="!repeaterCollapsible \|\| isRepeaterItemOpen\(index\)"/);
+  assert.match(fieldVue, /aksrt-field__repeater-summary/);
+  // accordion/fieldset 的 sections 分块手风琴。
+  assert.match(fieldVue, /const fieldsetSections = computed\(/);
+  assert.match(fieldVue, /function toggleFieldsetSection\(index\)/);
+  assert.match(fieldVue, /aksrt-field__accordion-section-head/);
+});
+
+test('结构化分组默认收起，标题行带摘要；升级价格按三块手风琴渲染', () => {
+  const accordion = harness.accordion;
+  // 会员商品 / 续费商品 / 积分兑换明细均默认收起。
+  const expectedGroups = [
+    'vip1/vip_1_product',
+    'vip2/vip_2_product',
+    'renew/vip_1_renew_product',
+    'renew/vip_2_renew_product',
+    'points-exchange/pay_vip_points_exchange_product',
+  ];
+  assert.deepStrictEqual(Object.keys(accordion.groups).sort(), [...expectedGroups].sort());
+  for (const key of expectedGroups) {
+    const cfg = accordion.groups[key];
+    assert.strictEqual(cfg.collapsible, true, `${key} 应开启手风琴`);
+    assert.strictEqual(cfg.defaultCollapsed, true, `${key} 应默认收起`);
+    assert.ok(cfg.listPreview && cfg.listPreview.titleKey, `${key} 应配置标题行摘要`);
+    assert.ok(cfg.listPreview.descKey, `${key} 应配置标题行时长摘要`);
+    assert.strictEqual(cfg.listPreview.descUnitKey, 'unit', `${key} 时长摘要应带单位`);
+  }
+  // 会员商品与续费商品摘要前缀为「价格：」，积分兑换为「积分：」。
+  assert.strictEqual(accordion.groups['vip1/vip_1_product'].listPreview.prefix, '价格：');
+  assert.strictEqual(accordion.groups['renew/vip_1_renew_product'].listPreview.prefix, '价格：');
+  assert.strictEqual(accordion.groups['points-exchange/pay_vip_points_exchange_product'].listPreview.prefix, '积分：');
+  assert.strictEqual(accordion.groups['points-exchange/pay_vip_points_exchange_product'].listPreview.titleKey, 'points');
+
+  // 升级价格拆成三块，且每块覆盖的字段并集恰好等于全部字段。
+  const sections = accordion.sections['upgrade/vip_upgrade_product'];
+  assert.strictEqual(sections.length, 3);
+  assert.deepStrictEqual(sections.map((s) => s.title), [
+    '月费会员升级月费会员',
+    '月费会员升级永久会员',
+    '永久会员升级永久会员',
+  ]);
+  const covered = sections.flatMap((s) => s.keys).sort();
+  const declared = harness.schema.opt_tabs.upgrade.fields.vip_upgrade_product.fields
+    .map((f) => f.key)
+    .sort();
+  assert.deepStrictEqual(covered, declared, 'sections 必须覆盖升级价格的全部字段');
 });
 
 test('会员商品字段集恰好 6 项且标签颜色为参考主题 16 色', () => {
@@ -356,6 +428,15 @@ test('SPA 镜像 schema 与 PHP schema 同构', async () => {
   const points = schema.groups.find((g) => g.key === 'points-exchange').fields[1];
   assert.strictEqual(points.type, 'group');
   assert.deepStrictEqual(points.fields.map((f) => f.key), ['points', 'level', 'time', 'unit']);
+  // 手风琴配置与 PHP 侧一致。
+  for (const key of ['vip_1_product', 'vip_2_product', 'vip_1_renew_product', 'vip_2_renew_product']) {
+    const group = findGroup(schema, key);
+    assert.strictEqual(group.collapsible, true, `${key} 应开启手风琴`);
+    assert.strictEqual(group.defaultCollapsed, true, `${key} 应默认收起`);
+  }
+  assert.strictEqual(findGroup(schema, 'pay_vip_points_exchange_product').collapsible, true);
+  const upgrade = findGroup(schema, 'vip_upgrade_product');
+  assert.strictEqual(upgrade.sections.length, 3);
   // SPA 默认值与 PHP 侧一致。
   assert.strictEqual(schema.defaults.vip_1_product[0].price, 99);
   assert.strictEqual(schema.defaults.vip_1_renew_product[0].price, 69);
diff --git a/tests/widget-system/vip-settings-structured-harness.php b/tests/widget-system/vip-settings-structured-harness.php
index ab235256..f46c6aca 100644
--- a/tests/widget-system/vip-settings-structured-harness.php
+++ b/tests/widget-system/vip-settings-structured-harness.php
@@ -187,6 +187,52 @@ namespace {
 			'custom' => $custom,
 			'legacy' => $legacy,
 		],
+		'accordion' => (static function (array $groups): array {
+			$out = ['groups' => [], 'sections' => []];
+			foreach ($groups as $group) {
+				foreach ($group['fields'] as $top) {
+					if (($top['type'] ?? '') !== 'tabbed') {
+						continue;
+					}
+					foreach ($top['tabs'] as $tab) {
+						foreach ($tab['fields'] as $field) {
+							if (($field['type'] ?? '') === 'group') {
+								$out['groups'][$tab['key'] . '/' . $field['key']] = [
+									'collapsible' => $field['collapsible'] ?? null,
+									'defaultCollapsed' => $field['defaultCollapsed'] ?? null,
+									'listPreview' => $field['listPreview'] ?? null,
+								];
+							}
+							if (($field['type'] ?? '') === 'accordion') {
+								$out['sections'][$tab['key'] . '/' . $field['key']] = array_map(
+									static fn(array $section): array => [
+										'title' => $section['title'],
+										'keys' => $section['keys'],
+									],
+									$field['sections'] ?? []
+								);
+							}
+						}
+					}
+				}
+			}
+			foreach ($groups as $group) {
+				if ($group['key'] !== 'points-exchange') {
+					continue;
+				}
+				foreach ($group['fields'] as $field) {
+					if (($field['type'] ?? '') !== 'group') {
+						continue;
+					}
+					$out['groups']['points-exchange/' . $field['key']] = [
+						'collapsible' => $field['collapsible'] ?? null,
+						'defaultCollapsed' => $field['defaultCollapsed'] ?? null,
+						'listPreview' => $field['listPreview'] ?? null,
+					];
+				}
+			}
+			return $out;
+		})($groups),
 		'pricing' => (static function (): array {
 			$probe = new VipPricingProbe();
 			$base = [