diff --git a/assets/admin/src/schema/sections/payment/vip.js b/assets/admin/src/schema/sections/payment/vip.js
index 4ac2a4ef..0ceca486 100644
--- a/assets/admin/src/schema/sections/payment/vip.js
+++ b/assets/admin/src/schema/sections/payment/vip.js
@@ -40,8 +40,6 @@ export const vipSchema = {
     vip_upgrade: true,
     vip_upgrade_desc: '',
     vip_upgrade_product: 'unit|1|按剩余天数升级\njump|199|升级永久二级会员\npermanent|299|永久一级升永久二级',
-    pay_vip_pass_charge_s: false,
-    pay_vip_pass_charge_desc: '',
     pay_vip_pass_charge_only_password: true,
     pay_vip_points_exchange_s: false,
     payment_vip_points_packages: '1|500|30|积分月卡\n1|5000|0|积分永久',
@@ -205,12 +203,10 @@ export const vipSchema = {
     },
     {
       key: 'pass-charge',
-      title: '卡密兑换会员',
+      title: '会员卡密',
       icon: 'fa fas fa-ticket-alt',
       fields: [
-        { key: 'pay_vip_pass_charge_s', label: '启用卡密兑换会员功能', type: 'switch', default: false },
-        { key: 'pay_vip_pass_charge_desc', label: '卡密兑换说明', type: 'textarea', default: '', dependsOn: { key: 'pay_vip_pass_charge_s', value: true }, help: '用户使用卡密兑换时显示的内容，建议为提醒事项、充值协议等，支持HTML代码' },
-        { key: 'pay_vip_pass_charge_only_password', label: '单密码模式', type: 'switch', default: true, dependsOn: { key: 'pay_vip_pass_charge_s', value: true }, help: '仅需输入密码，不需要卡号' },
+        { key: 'pay_vip_pass_charge_only_password', label: '单密码模式', type: 'switch', default: true, help: '会员卡密核销是否仅需卡密；关闭后，带卡号的会员卡必须同时输入卡号。会员/积分卡密无独立开关，统一受「余额充值 → 卡密兑换 → 启用卡密兑换功能」控制' },
       ],
     },
     {
diff --git a/assets/admin/src/schema/sections/users/credits.js b/assets/admin/src/schema/sections/users/credits.js
index e4d93136..51d74513 100644
--- a/assets/admin/src/schema/sections/users/credits.js
+++ b/assets/admin/src/schema/sections/users/credits.js
@@ -26,7 +26,6 @@ export const creditsSchema = {
     points_deduction_s: false,
     points_deduction_rate: 100,
     points_deduction_max: 50,
-    asset_points_card_enabled: false,
     points_show_balance: true,
     points_show_log: true,
     points_expire_days: 0,
@@ -88,14 +87,6 @@ export const creditsSchema = {
         { key: 'points_deduction_max', label: '最大抵扣比例(%)', type: 'number', default: 50, min: 1, max: 100, dependsOn: { key: 'points_deduction_s', value: true }, help: '预留：最多可抵订单金额的百分比。当前未参与下单计算。' },
       ],
     },
-    {
-      key: 'card_pass',
-      title: '积分卡密兑换',
-      icon: 'fa fas fa-ticket-alt',
-      fields: [
-        { key: 'asset_points_card_enabled', label: '启用积分卡密兑换', type: 'switch', default: false, help: '开启后积分卡密可在用户中心「卡密兑换」弹窗兑换入账。' },
-      ],
-    },
     {
       key: 'display',
       title: '展示设置',
diff --git a/src/Admin/Schema/SchemaPayment.php b/src/Admin/Schema/SchemaPayment.php
index 5efc4c6a..da4dd93f 100644
--- a/src/Admin/Schema/SchemaPayment.php
+++ b/src/Admin/Schema/SchemaPayment.php
@@ -241,10 +241,8 @@ class SchemaPayment {
 								]],
 							]],
 						]],
-						['key' => 'pass-charge', 'title' => '卡密兑换会员', 'fields' => [
-							['key' => 'pay_vip_pass_charge_s', 'label' => '启用卡密兑换会员功能', 'type' => 'switch', 'default' => false],
-							['key' => 'pay_vip_pass_charge_desc', 'label' => '卡密兑换说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_vip_pass_charge_s', 'value' => true], 'help' => '用户使用卡密兑换时显示的内容，建议为提醒事项、充值协议等，支持HTML代码'],
-							['key' => 'pay_vip_pass_charge_only_password', 'label' => '单密码模式', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_vip_pass_charge_s', 'value' => true], 'help' => '仅需输入密码，不需要卡号'],
+						['key' => 'pass-charge', 'title' => '会员卡密', 'fields' => [
+							['key' => 'pay_vip_pass_charge_only_password', 'label' => '单密码模式', 'type' => 'switch', 'default' => true, 'help' => '会员卡密核销是否仅需卡密；关闭后，带卡号的会员卡必须同时输入卡号。会员/积分卡密无独立开关，统一受「余额充值 → 卡密兑换 → 启用卡密兑换功能」控制'],
 						]],
 						['key' => 'points-exchange', 'title' => '积分兑换会员', 'fields' => [
 							['key' => 'pay_vip_points_exchange_s', 'label' => '启用积分兑换', 'type' => 'switch', 'default' => false],
diff --git a/src/Admin/Schema/SchemaUsers.php b/src/Admin/Schema/SchemaUsers.php
index ecce1f2e..ebb55c5e 100644
--- a/src/Admin/Schema/SchemaUsers.php
+++ b/src/Admin/Schema/SchemaUsers.php
@@ -486,9 +486,6 @@ class SchemaUsers {
                             ['key' => 'points_deduction_rate', 'label' => '积分换算比例', 'type' => 'number', 'default' => 100, 'min' => 1, 'max' => 10000, 'help' => '多少积分抵 1 元（legacy points_deduction_rate）。当前未参与下单。'],
                             ['key' => 'points_deduction_max', 'label' => '最大抵扣比例(%)', 'type' => 'number', 'default' => 50, 'min' => 1, 'max' => 100, 'help' => '预留：最多可抵订单金额百分比。当前未参与下单。'],
                         ]],
-                        ['key' => 'card_pass', 'title' => '积分卡密兑换', 'fields' => [
-                            ['key' => 'asset_points_card_enabled', 'label' => '启用积分卡密兑换', 'type' => 'switch', 'default' => false, 'help' => '开启后积分卡密可在用户中心「卡密兑换」弹窗兑换入账'],
-                        ]],
                         ['key' => 'display', 'title' => '展示设置', 'fields' => [
                             ['key' => 'points_show_balance', 'label' => '导航栏显示余额', 'type' => 'switch', 'default' => true],
                             ['key' => 'points_show_log', 'label' => '显示积分记录', 'type' => 'switch', 'default' => true],
diff --git a/src/Payment/ChargeCard.php b/src/Payment/ChargeCard.php
index 5de3f20c..4e3055cc 100644
--- a/src/Payment/ChargeCard.php
+++ b/src/Payment/ChargeCard.php
@@ -112,35 +112,31 @@ class ChargeCard {
     }
 
     /**
-     * 前台卡密兑换开关视图（按类型拆分）。
+     * 前台卡密兑换开关视图。
      *
-     * balance.enabled 语义为「启用卡密兑换功能」总开关（后台 余额充值 → 卡密兑换），
-     * 与收款接口 card_pass 主开关共同决定前台兑换入口是否展示。
+     * 唯一类型闸门：balance.enabled =「启用卡密兑换功能」总开关
+     * （后台 余额充值 → 卡密兑换），并与收款接口 card_pass 主开关共同生效；
+     * 会员/积分卡密不再有独立开关。积分卡额外要求积分系统可用（系统级依赖）。
      *
      * @return array<string,mixed>
      */
     public function get_public_options(): array {
-        // Master kill-switch on 收款接口 → 卡密充值.
+        // 收款接口 card_pass 主开关；关闭时所有卡密兑换一并失效。
         $channel_on = !class_exists('\AKSRT\Settings\PaymentRuntime')
             || \AKSRT\Settings\PaymentRuntime::is_gateway_enabled('card_pass');
-        if (!$channel_on) {
-            $off = ['enabled' => false, 'desc' => '', 'only_password' => true];
-            return [
-                'balance' => $off,
-                'vip'     => $off,
-                'credits' => ['enabled' => false],
-            ];
-        }
 
-        $balance = ['enabled' => false, 'desc' => '', 'only_password' => true];
-        $vip     = ['enabled' => false, 'desc' => '', 'only_password' => true];
+        $master_on = false;
+        $balance   = ['enabled' => false, 'desc' => '', 'only_password' => true];
+        $vip_only_password = true;
+        $credits_on = false;
 
-        if (class_exists('\AKSRT\Settings\Settings')) {
+        if ($channel_on && class_exists('\AKSRT\Settings\Settings')) {
             if (method_exists('\AKSRT\Settings\Settings', 'get_payment_recharge_settings')) {
                 $recharge = \AKSRT\Settings\Settings::get_payment_recharge_settings();
                 $pc = is_array($recharge['pass_charge'] ?? null) ? $recharge['pass_charge'] : [];
+                $master_on = !empty($pc['enabled']);
                 $balance = [
-                    'enabled'       => !empty($pc['enabled']),
+                    'enabled'       => $master_on,
                     'desc'          => (string) ($pc['desc'] ?? ''),
                     'only_password' => !isset($pc['only_password']) || !empty($pc['only_password']),
                 ];
@@ -148,30 +144,18 @@ class ChargeCard {
             if (method_exists('\AKSRT\Settings\Settings', 'get_payment_vip_settings')) {
                 $vip_s = \AKSRT\Settings\Settings::get_payment_vip_settings();
                 $benefit = is_array($vip_s['benefit'] ?? null) ? $vip_s['benefit'] : [];
-                $vip = [
-                    'enabled'       => !empty($benefit['pass_charge']),
-                    'desc'          => (string) ($benefit['pass_charge_desc'] ?? ''),
-                    'only_password' => !isset($benefit['pass_charge_only_password']) || !empty($benefit['pass_charge_only_password']),
-                ];
+                $vip_only_password = !isset($benefit['pass_charge_only_password']) || !empty($benefit['pass_charge_only_password']);
+            }
+            if ($master_on) {
+                // 积分卡随总开关生效，仅要求积分系统可用（系统级依赖，非独立开关）。
+                $credits_on = !method_exists('\AKSRT\Settings\Settings', 'credits_enabled') || \AKSRT\Settings\Settings::credits_enabled();
             }
-        }
-
-        $credits = ['enabled' => false];
-        $all = class_exists('\AKSRT\Settings\Settings') && method_exists('\AKSRT\Settings\Settings', 'get_all')
-            ? \AKSRT\Settings\Settings::get_all()
-            : (array) get_option('aksrt_settings', []);
-        if (!empty($all['asset_points_card_enabled'])) {
-            // 积分卡仅作为后端类型闸门（assert_type_enabled）；前台兑换统一走
-            // 通用「卡密兑换」弹窗，无独立入口与说明/单密码配置。
-            $credits = [
-                'enabled' => !class_exists('\AKSRT\Settings\Settings') || !method_exists('\AKSRT\Settings\Settings', 'credits_enabled') || \AKSRT\Settings\Settings::credits_enabled(),
-            ];
         }
 
         return [
             'balance' => $balance,
-            'vip'     => $vip,
-            'credits' => $credits,
+            'vip'     => ['only_password' => $vip_only_password],
+            'credits' => ['enabled' => $credits_on],
         ];
     }
 
@@ -835,14 +819,13 @@ class ChargeCard {
      */
     private function assert_type_enabled(string $type) {
         $opts = $this->get_public_options();
-        if ($type === self::TYPE_BALANCE && empty($opts['balance']['enabled'])) {
-            return new \WP_Error('aksrt_card_disabled', __('余额卡密兑换未开启', 'aksrt'), ['status' => 403]);
-        }
-        if ($type === self::TYPE_VIP && empty($opts['vip']['enabled'])) {
-            return new \WP_Error('aksrt_card_disabled', __('会员卡密兑换未开启', 'aksrt'), ['status' => 403]);
+        // 唯一类型闸门：后台「余额充值 → 卡密兑换」总开关（已含收款接口 card_pass 主开关）。
+        if (empty($opts['balance']['enabled'])) {
+            return new \WP_Error('aksrt_card_disabled', __('卡密兑换功能未开启', 'aksrt'), ['status' => 403]);
         }
+        // 积分卡额外要求积分系统可用（系统级依赖，非独立开关）。
         if ($type === self::TYPE_CREDITS && empty($opts['credits']['enabled'])) {
-            return new \WP_Error('aksrt_card_disabled', __('积分卡密兑换未开启', 'aksrt'), ['status' => 403]);
+            return new \WP_Error('aksrt_card_disabled', __('积分系统未开启，无法兑换积分卡密', 'aksrt'), ['status' => 403]);
         }
         return true;
     }
diff --git a/src/Settings/PaymentRuntime.php b/src/Settings/PaymentRuntime.php
index 1a30c6d2..80e151bf 100644
--- a/src/Settings/PaymentRuntime.php
+++ b/src/Settings/PaymentRuntime.php
@@ -229,8 +229,7 @@ class PaymentRuntime {
             ],
             'benefit'       => [
                 'download_limit'   => max(0, min(9999, (int) ($settings['pay_download_limit'] ?? 0))),
-                'pass_charge'      => !empty($settings['pay_vip_pass_charge_s']),
-                'pass_charge_desc' => sanitize_textarea_field((string) ($settings['pay_vip_pass_charge_desc'] ?? '')),
+                // 会员卡密无独立开关（随「启用卡密兑换功能」总开关），仅保留单密码模式。
                 'pass_charge_only_password' => !isset($settings['pay_vip_pass_charge_only_password']) || !empty($settings['pay_vip_pass_charge_only_password']),
             ],
             'renew'         => [
diff --git a/tests/widget-system/card-pass-universal-redeem.test.cjs b/tests/widget-system/card-pass-universal-redeem.test.cjs
index e7f37544..28b0322d 100644
--- a/tests/widget-system/card-pass-universal-redeem.test.cjs
+++ b/tests/widget-system/card-pass-universal-redeem.test.cjs
@@ -32,6 +32,7 @@ const schemaPhp = read('src', 'Admin', 'Schema', 'SchemaPayment.php');
 const schemaJs = read('assets', 'admin', 'src', 'schema', 'sections', 'payment', 'recharge.js');
 const usersSchemaPhp = read('src', 'Admin', 'Schema', 'SchemaUsers.php');
 const usersSchemaJs = read('assets', 'admin', 'src', 'schema', 'sections', 'users', 'credits.js');
+const vipSchemaJs = read('assets', 'admin', 'src', 'schema', 'sections', 'payment', 'vip.js');
 const creditsRenderer = read('inc', 'helpers', 'user-center-renderers', 'credits-balance.php');
 const creditsCss = read('assets', 'css', 'routes', 'user-center', 'credits.css');
 
@@ -63,10 +64,11 @@ test('前台唯一兑换入口：页内联块与死文件已删除，JS 不再
   );
   assert.doesNotMatch(creditsRenderer, /data-aksrt-card-pass|data-aksrt-card-redeem|card_pass_credits/);
   assert.doesNotMatch(creditsJs, /hasAttribute\('required'\)/);
-  // 积分卡的说明/单密码配置只服务于已删内联块，后台 schema 不应再有。
-  assert.doesNotMatch(usersSchemaPhp, /asset_points_card_description|asset_points_card_password_only/);
-  assert.doesNotMatch(usersSchemaJs, /asset_points_card_description|asset_points_card_password_only/);
-  assert.doesNotMatch(chargeCard, /asset_points_card_description|asset_points_card_password_only/);
+  // 会员/积分卡密无独立开关与说明/单密码配置残留。
+  assert.doesNotMatch(usersSchemaPhp, /asset_points_card_/);
+  assert.doesNotMatch(usersSchemaJs, /asset_points_card_/);
+  assert.doesNotMatch(chargeCard, /asset_points_card_/);
+  assert.doesNotMatch(chargeCard, /'pass_charge_desc'/);
   // 失去宿主的内联块样式不回潮（弹窗仍在用 __input/__btn/__tip 子元素样式）。
   assert.doesNotMatch(creditsCss, /^\.uc-card-pass\s*\{/m);
   assert.doesNotMatch(creditsCss, /uc-card-pass__title|uc-card-pass__desc|\.uc-assets-col > \.uc-card-pass/);
@@ -92,6 +94,21 @@ test('后端：核销订单金额恒为 0，options 路由与 labels 死代码
   assert.match(chargeCard, /'credits' => \['enabled' => /);
 });
 
+test('唯一类型闸门：总开关统一约束三类卡密，独立开关不回潮', () => {
+  // assert_type_enabled 只查总开关（+ 积分系统级依赖），不再有按类型的独立开关。
+  assert.match(chargeCard, /卡密兑换功能未开启/);
+  assert.match(chargeCard, /积分系统未开启/);
+  assert.doesNotMatch(chargeCard, /余额卡密兑换未开启|会员卡密兑换未开启|积分卡密兑换未开启/);
+  // 会员/积分卡密独立开关与说明为死代码。
+  assert.doesNotMatch(chargeCard, /pay_vip_pass_charge_s|pay_vip_pass_charge_desc|pass_charge'\s*=>/);
+  for (const [name, src] of [['SchemaPayment.php', schemaPhp], ['recharge.js', schemaJs], ['vip.js', vipSchemaJs]]) {
+    assert.doesNotMatch(src, /pay_vip_pass_charge_s|pay_vip_pass_charge_desc|启用卡密兑换会员功能/, name);
+    assert.doesNotMatch(src, /启用积分卡密兑换/, name);
+  }
+  assert.match(vipSchemaJs, /title: '会员卡密'/);
+  assert.match(vipSchemaJs, /pay_vip_pass_charge_only_password/);
+});
+
 test('订单中心：卡密核销订单实付归零并按 note 生成订单名称', () => {
   assert.match(userOrders, /if \(\$payment_method === 'card_pass'\)\s*\{\s*\$amount = \$is_points \? '0' : '0\.00';/);
   assert.match(userOrders, /if \(!empty\(\$meta\['card_pass'\]\)\)\s*\{[\s\S]*?resolve_card_pass_title\(\$meta\)/);