diff --git a/.gitignore b/.gitignore
index 13569637..41c9e9b2 100644
--- a/.gitignore
+++ b/.gitignore
@@ -57,6 +57,7 @@
 !/tests/widget-system/single-cover-height-contract.test.cjs
 !/tests/widget-system/frontend-lifecycle-contract.test.cjs
 !/tests/widget-system/card-pass-universal-redeem.test.cjs
+!/tests/widget-system/card-pass-modal-redeem.test.cjs
 !/tests/widget-system/balance-charge-modal.test.cjs
 !/tests/admin/
 /tests/admin/*
diff --git a/assets/css/routes/user-center/credits.css b/assets/css/routes/user-center/credits.css
index 60ac09cd..6211f49b 100644
--- a/assets/css/routes/user-center/credits.css
+++ b/assets/css/routes/user-center/credits.css
@@ -765,27 +765,6 @@ body.uc-modal-open {
   font-weight: 600;
   color: #b45309;
 }
-.uc-vip-shop__methods {
-  display: flex;
-  flex-wrap: wrap;
-  align-items: center;
-  gap: 8px 12px;
-  margin-top: 8px;
-  padding-top: 12px;
-  border-top: 1px solid var(--color-line-soft, rgba(0,0,0,0.06));
-}
-.uc-vip-shop__methods-label {
-  font-size: 12px;
-  font-weight: 600;
-  color: var(--color-ink-3, #6b7280);
-}
-.uc-vip-shop__method {
-  display: inline-flex;
-  align-items: center;
-  gap: 6px;
-  font-size: 13px;
-  cursor: pointer;
-}
 .uc-vip-shop__tip {
   margin: 10px 0 0;
   font-size: 12px;
diff --git a/assets/js/pay-vip.js b/assets/js/pay-vip.js
index dc3f2f97..4245ad6d 100644
--- a/assets/js/pay-vip.js
+++ b/assets/js/pay-vip.js
@@ -102,43 +102,64 @@
     append(parent, wrap);
   }
 
-  function renderMethods(parent, methods, cardPass) {
+  function renderMethods(parent, methods, cardPass, wallet) {
     methods = Array.isArray(methods) ? methods : [];
     if (!methods.length) {
       append(parent, node("div", "muted-2-color text-center padding-10", "暂无可用支付方式"));
       return;
     }
-    if (methods.length === 1) {
-      var one = node("input");
-      one.type = "hidden";
-      one.name = "aksrt_vip_pay_method";
-      one.value = text(methods[0].id || "balance");
-      one.setAttribute("data-aksrt-vip-method-fixed", "");
-      append(parent, one);
-    } else {
-      var wrap = node("div", "uc-vip-shop__methods mb10");
-      wrap.setAttribute("data-aksrt-vip-methods", "");
-      append(wrap, node("span", "uc-vip-shop__methods-label", "支付方式"));
+    wallet = wallet || {};
+    var defaultMethod = text(methods[0].id || "balance");
+
+    // 支付方式选择行（Zibll zibpay_get_initiate_pay_input 同构：
+    // .payment-method-radio.hollow-radio + logo 图 + data-for 选中模型；
+    // 与余额充值/购买积分弹窗完全一致的组件）。
+    if (methods.length > 1) {
+      append(parent, node("div", "muted-2-color em09 mb6", "请选择支付方式"));
+      var row = node("div", "flex mb10");
       methods.forEach(function (method, index) {
-        var label = node("label", "uc-vip-shop__method");
-        var input = node("input");
-        input.type = "radio";
-        input.name = "aksrt_vip_pay_method";
-        input.value = text(method.id || "balance");
-        input.checked = index === 0;
-        append(label, input);
-        append(label, node("span", "", method.name || method.id || ""));
-        append(wrap, label);
+        var id = text(method.id || "balance");
+        var item = node("div", "flex jc hh payment-method-radio hollow-radio flex-auto pointer" + (index === 0 ? " active" : ""));
+        item.setAttribute("data-for", "payment_method");
+        item.setAttribute("data-value", id);
+        if (method.logo) {
+          var img = node("img");
+          img.src = text(method.logo);
+          img.alt = id + "-logo";
+          img.decoding = "async";
+          append(item, img);
+        }
+        append(item, node("div", "", method.name || id || ""));
+        append(row, item);
       });
-      append(parent, wrap);
+      append(parent, row);
     }
-    // 卡密渠道输入盒（契约与参考主题一致：data-controller="payment_method"）。
+
+    // 我的余额盒（Zibll user_balance_box 同构：选中余额渠道时显示）。
+    if (methods.some(function (m) { return text(m.id) === "balance"; })) {
+      var balanceBox = node("div", "mb10 muted-box padding-h10");
+      balanceBox.setAttribute("data-controller", "payment_method");
+      balanceBox.setAttribute("data-condition", "==");
+      balanceBox.setAttribute("data-value", "balance");
+      if (defaultMethod !== "balance") balanceBox.style.display = "none";
+      var balanceRow = node("div", "flex jsb ac");
+      append(balanceRow, node("span", "muted-2-color", "我的余额"));
+      var balanceValue = node("div", "c-blue-2");
+      append(balanceValue, node("span", "px12 mr3", wallet.mark || "￥"));
+      append(balanceValue, node("span", "em14", text(wallet.balance || "0.00")));
+      append(balanceRow, balanceValue);
+      append(balanceBox, balanceRow);
+      append(parent, balanceBox);
+    }
+
+    // 卡密盒（Zibll password_box 同构：mb10 padding-h10 padding-w6 +
+    // data-controller="payment_method" 契约 + form-control 输入）。
     if (cardPass) {
-      var box = node("div", "uc-vip-shop__card-pass mb10");
+      var box = node("div", "mb10 padding-h10 padding-w6");
       box.setAttribute("data-controller", "payment_method");
       box.setAttribute("data-condition", "==");
       box.setAttribute("data-value", "card_pass");
-      box.style.display = "none";
+      if (defaultMethod !== "card_pass") box.style.display = "none";
       if (cardPass.desc) append(box, node("div", "muted-box muted-2-color padding-10 mb10 em09", cardPass.desc));
       append(box, node("div", "muted-2-color em09 mb6", cardPass.only_password ? "请输入卡密" : "请输入卡号和密码"));
       if (!cardPass.only_password) {
@@ -157,15 +178,26 @@
       append(box, pwInput);
       append(parent, box);
     }
+
+    var hidden = node("input");
+    hidden.type = "hidden";
+    hidden.name = "payment_method";
+    hidden.value = defaultMethod;
+    append(parent, hidden);
   }
 
-  // 卡密渠道显隐：选中 card_pass 时隐藏套餐（.charge-box）、显示卡密输入盒。
+  // 渠道显隐：通用 data-controller 契约（==/!= 匹配当前 payment_method）；
+  // 选中 card_pass 时隐藏套餐（.charge-box），与参考主题 pay.js 行为一致。
   function applyVipMethodVisibility(root) {
     var pane = root.closest ? root.closest(".aksrt-vip-pane") : null;
     pane = pane || root;
     var value = selectedMethod(pane);
-    var cardBox = pane.querySelector('[data-controller="payment_method"][data-value="card_pass"]');
-    if (cardBox) cardBox.style.display = value === "card_pass" ? "" : "none";
+    pane.querySelectorAll('[data-controller="payment_method"]').forEach(function (el) {
+      var condition = el.getAttribute("data-condition") || "==";
+      var target = el.getAttribute("data-value") || "";
+      var match = condition === "!=" ? value !== target : value === target;
+      el.style.display = match ? "" : "none";
+    });
     pane.querySelectorAll(".charge-box").forEach(function (el) {
       el.style.display = value === "card_pass" ? "none" : "";
     });
@@ -286,6 +318,7 @@
     var groups = Array.isArray(catalog.level_packages) ? catalog.level_packages : [];
     var methods = Array.isArray(view.payment_methods) ? view.payment_methods : [];
     var cardPass = view.card_pass && view.card_pass.enabled ? view.card_pass : null;
+    var wallet = { balance: text(catalog.wallet_balance || "0.00"), mark: text(view.currency_mark || "￥") };
     var allowed = view.allowed_actions || {};
     var reasons = view.action_reasons || {};
     var modal = node("div", "box-body payvip-modal");
@@ -365,12 +398,12 @@
 
       var products = node("div", "pay-vip-products");
       renderProducts(products, group.items);
-      renderMethods(products, methods);
+      renderMethods(products, methods, cardPass, wallet);
       var actionName = actionKey(action);
       var actionAllowed = allowed[actionName] === true;
       var reason = actionReason(reasons[actionName]);
       var canPurchase = actionAllowed && methods.length > 0;
-      var submit = node("button", "but jb-red btn-block padding-lg radius aksrt-vip-submit", canPurchase ? (group.items[0].cta_label || actionLabel(action)) : (reason || "暂无可用支付方式"));
+      var submit = node("button", "mt6 but jb-red initiate-pay btn-block radius aksrt-vip-submit", canPurchase ? (group.items[0].cta_label || actionLabel(action)) : (reason || "暂无可用支付方式"));
       submit.type = "button";
       submit.disabled = !canPurchase;
       submit.setAttribute("data-vip-submit", "");
@@ -401,12 +434,10 @@
   }
 
   function selectedMethod(root) {
-    var fixed = root.querySelector("[data-aksrt-vip-method-fixed]");
-    if (fixed && fixed.value) return fixed.value;
-    var checked = root.querySelector('input[name="aksrt_vip_pay_method"]:checked');
-    if (checked) return checked.value;
-    var first = root.querySelector('input[name="aksrt_vip_pay_method"]');
-    return first ? first.value : "balance";
+    var hidden = root.querySelector('input[name="payment_method"]');
+    if (hidden && hidden.value) return hidden.value;
+    var first = root.querySelector('[data-for="payment_method"]');
+    return first ? first.getAttribute("data-value") : "balance";
   }
 
   function selectedPackage(root) {
@@ -538,12 +569,18 @@
   function bindModalUi(root) {
     if (!root || root.dataset.aksrtVipBound === "1") return;
     root.dataset.aksrtVipBound = "1";
-    root.addEventListener("change", function (event) {
-      var input = event.target.closest ? event.target.closest('input[name="aksrt_vip_pay_method"]') : null;
-      if (!input) return;
-      applyVipMethodVisibility(input);
-    });
     root.addEventListener("click", function (event) {
+      var methodItem = event.target.closest ? event.target.closest('[data-for="payment_method"]') : null;
+      if (methodItem) {
+        var pane = methodItem.closest(".aksrt-vip-pane") || root;
+        pane.querySelectorAll('[data-for="payment_method"]').forEach(function (el) {
+          el.classList.toggle("active", el === methodItem);
+        });
+        var hidden = pane.querySelector('input[name="payment_method"]');
+        if (hidden) hidden.value = methodItem.getAttribute("data-value") || "";
+        applyVipMethodVisibility(pane);
+        return;
+      }
       var tab = event.target.closest("[data-vip-tab]");
       if (tab) {
         event.preventDefault();
diff --git a/src/Content/VipServiceModal.php b/src/Content/VipServiceModal.php
index a5f6a77f..8e655901 100644
--- a/src/Content/VipServiceModal.php
+++ b/src/Content/VipServiceModal.php
@@ -64,6 +64,15 @@ trait VipServiceModal {
         }
         $points_exchange = is_array($catalog['points_exchange'] ?? null) ? $catalog['points_exchange'] : [];
         $methods = is_array($catalog['payment_methods'] ?? null) ? $catalog['payment_methods'] : [];
+        // 支付方式 logo（与充值/积分弹窗的 payment-method-radio 组件同源）。
+        $methods = array_map(function ($m) {
+            $id = sanitize_key((string) ($m['id'] ?? ''));
+            return [
+                'id' => $id,
+                'name' => (string) ($m['name'] ?? $id),
+                'logo' => $this->payment_method_logo_url($id),
+            ];
+        }, $methods);
         $card_pass = is_array($catalog['card_pass'] ?? null)
             ? array_merge(['enabled' => false, 'desc' => '', 'only_password' => false], $catalog['card_pass'])
             : ['enabled' => false, 'desc' => '', 'only_password' => false];
@@ -111,6 +120,7 @@ trait VipServiceModal {
                 'currency_name' => (string) ($catalog['currency_name'] ?? ''),
                 'level_packages' => $groups,
                 'points_exchange' => $points_exchange,
+                'wallet_balance' => (string) ($catalog['wallet_balance'] ?? '0.00'),
                 'vip_url' => (string) ($catalog['vip_url'] ?? ''),
             ],
             'member' => [
@@ -128,6 +138,7 @@ trait VipServiceModal {
             'levels' => $level_view,
             'payment_methods' => $methods,
             'card_pass' => $card_pass,
+            'currency_mark' => (string) (\AKSRT\Settings\Settings::get_payment_gateway_settings()['currency']['mark'] ?? '￥'),
             'allowed_actions' => [
                 'purchase' => $package_ids !== [] && $methods !== [],
                 'renew' => $has_renew && $methods !== [],
@@ -146,6 +157,24 @@ trait VipServiceModal {
         ];
     }
 
+    /**
+     * 支付方式 logo 映射（assets/img/pay-*-logo.svg，与充值/积分弹窗一致）。
+     */
+    private function payment_method_logo_url(string $id): string {
+        $logos = [
+            'balance'     => 'pay-balance-logo.svg',
+            'alipay'      => 'pay-alipay-logo.svg',
+            'epay_alipay' => 'pay-alipay-logo.svg',
+            'wechatpay'   => 'pay-wechat-logo.svg',
+            'epay_wxpay'  => 'pay-wechat-logo.svg',
+            'paypal'      => 'pay-paypal-logo.svg',
+            'stripe'      => 'pay-stripe-logo.svg',
+            'card_pass'   => 'pay-card-pass-logo.svg',
+        ];
+        $file = $logos[$id] ?? '';
+        return $file === '' ? '' : esc_url_raw(get_template_directory_uri() . '/assets/img/' . $file);
+    }
+
     /**
      * Mini hover card for header (legacy aksrtpay_get_vip_card).
      */
diff --git a/tests/widget-system/card-pass-modal-redeem.test.cjs b/tests/widget-system/card-pass-modal-redeem.test.cjs
new file mode 100644
index 00000000..7cfcd7e9
--- /dev/null
+++ b/tests/widget-system/card-pass-modal-redeem.test.cjs
@@ -0,0 +1,190 @@
+/**
+ * 卡密兑换渠道契约（三个购买弹窗 · 1:1 对齐参考主题）。
+ *
+ * 背景：余额卡片顶部的独立「卡密兑换」通用弹窗已删除，兑换入口收敛到
+ * 三个购买弹窗的支付方式中（对齐参考主题 zibpay_get_payment_methods +
+ * zibpay_is_allow_card_pass_pay 过滤器）：
+ *   1) 余额充值弹窗（credits-wallet.php，服务端渲染）
+ *   2) 购买积分弹窗（credits-balance.php，服务端渲染，Zibll points-pay modal 结构）
+ *   3) 会员购买/续费弹窗（VipServiceModal JSON 视图模型 + pay-vip.js 渲染）
+ *
+ * 后台语义：余额充值 → 卡密兑换 → 三个独立开关
+ *   启用卡密兑换余额功能 / 启用卡密兑换积分功能 / 启用卡密兑换会员功能
+ * 任一开关关闭后，对应前台弹窗不出现卡密兑换渠道收款接口。
+ *
+ * REST 契约：POST /pay/card-pass/redeem，type 必填（balance/vip/credits），
+ * 不再有「空类型按卡密自动识别」；核销订单金额恒为 0。
+ */
+const test = require('node:test');
+const assert = require('node:assert');
+const fs = require('node:fs');
+const path = require('node:path');
+
+const root = path.join(__dirname, '..', '..');
+const read = (...seg) => fs.readFileSync(path.join(root, ...seg), 'utf8');
+
+const wallet = read('inc', 'helpers', 'user-center-renderers', 'credits-wallet.php');
+const creditsRenderer = read('inc', 'helpers', 'user-center-renderers', 'credits-balance.php');
+const creditsJs = read('assets', 'js', 'credits.js');
+const payVipJs = read('assets', 'js', 'pay-vip.js');
+const chargeCard = read('src', 'Payment', 'ChargeCard.php');
+const userOrders = read('src', 'Payment', 'UserOrders.php');
+const vipPackages = read('src', 'Content', 'VipServicePackages.php');
+const vipPurchase = read('src', 'Content', 'VipServicePurchase.php');
+const vipModal = read('src', 'Content', 'VipServiceModal.php');
+const schemaPhp = read('src', 'Admin', 'Schema', 'SchemaPayment.php');
+const schemaJs = read('assets', 'admin', 'src', 'schema', 'sections', 'payment', 'recharge.js');
+const vipSchemaJs = read('assets', 'admin', 'src', 'schema', 'sections', 'payment', 'vip.js');
+
+test('独立入口与通用弹窗已删除', () => {
+  assert.equal(
+    fs.existsSync(path.join(root, 'inc', 'helpers', 'user-center-renderers', 'credits-vip.php')),
+    false,
+    'credits-vip.php 死文件应已删除'
+  );
+  // 通用卡密弹窗与 initCardPass 不回潮。
+  assert.doesNotMatch(wallet, /data-aksrt-card-pass-modal|data-aksrt-card-redeem/);
+  assert.doesNotMatch(creditsJs, /function initCardPass\(|initCardPass\(\)/);
+  assert.doesNotMatch(creditsRenderer, /data-aksrt-card-pass-modal|data-aksrt-card-redeem/);
+  // 卡密 logo 就位（三个弹窗共用）。
+  assert.equal(fs.existsSync(path.join(root, 'assets', 'img', 'pay-card-pass-logo.svg')), true);
+});
+
+test('余额充值弹窗：卡密渠道为支付方式之一，卡号/卡密输入按单密码模式渲染', () => {
+  assert.match(wallet, /'card_pass'\s+=>\s+'pay-card-pass-logo\.svg'/);
+  // 支付方式列表注入 card_pass（由 get_charge_view / get_public_options['balance'] 驱动）。
+  assert.match(wallet, /card_pass_redeem\['desc'\]/);
+  assert.match(wallet, /card_pass_redeem\['only_password'\]/);
+  // 卡密输入盒契约与参考主题一致。
+  assert.match(wallet, /data-controller="payment_method" data-condition="==" data-value="card_pass"/);
+  assert.match(wallet, /name="card_pass\[card\]"/);
+  assert.match(wallet, /name="card_pass\[password\]"/);
+  // 仅卡密可用时隐藏金额选择（参考主题语义）。
+  assert.match(wallet, /\$charge_card_only/);
+  assert.match(wallet, /\$charge_card_in_methods/);
+});
+
+test('购买积分弹窗：Zibll points-pay modal 结构 + 卡密渠道', () => {
+  // 商品/自定义选择 + 支付方式 + hidden + 立即支付。
+  assert.match(creditsRenderer, /data-aksrt-points-pay-modal/);
+  assert.match(creditsRenderer, /data-aksrt-points-pay-form/);
+  assert.match(creditsRenderer, /data-aksrt-points-pay-open/);
+  assert.doesNotMatch(creditsRenderer, /data-aksrt-points-exchange-(open|modal|form|amount|preview|close)/);
+  assert.match(creditsRenderer, /请选择需购买的积分|请输入需购买的积分数额/);
+  assert.match(creditsRenderer, /name="points_product"/);
+  assert.match(creditsRenderer, /name="points_custom"/);
+  assert.match(creditsRenderer, /name="payment_method"/);
+  assert.match(creditsRenderer, /立即支付/);
+  // 卡密渠道受「启用卡密兑换积分功能」控制。
+  assert.match(creditsRenderer, /points_card_pass\['enabled'\]/);
+  assert.match(creditsRenderer, /data-controller="payment_method" data-condition="==" data-value="card_pass"/);
+  assert.match(creditsRenderer, /name="card_pass\[password\]"/);
+});
+
+test('购买积分前端：商品/支付方式选中模型 + 余额/卡密提交分流', () => {
+  assert.match(creditsJs, /function initPointsPay\(\)/);
+  assert.match(creditsJs, /data-aksrt-points-pay-open/);
+  assert.match(creditsJs, /\[data-for="points_product"\]/);
+  // 卡密选中：隐藏 .charge-box、显示卡密输入盒（契约与参考主题一致）。
+  assert.match(creditsJs, /data-controller="payment_method"\]\[data-value="card_pass"/);
+  assert.match(creditsJs, /value === 'card_pass' \? 'none' : ''/);
+  // 余额支付 → /pay/balance/points-exchange（product + custom 契约）。
+  assert.match(creditsJs, /\/pay\/balance\/points-exchange/);
+  assert.match(creditsJs, /JSON\.stringify\(\{ product: pkg, custom: validCustom \? custom : '0' \}\)/);
+  // 卡密支付 → /pay/card-pass/redeem type=credits。
+  assert.match(creditsJs, /redeemCardPass\('credits'/);
+  // bootAssets 挂载新函数，无死调用。
+  assert.match(creditsJs, /function bootAssets\(\)[\s\S]*?initPointsPay\(\);/);
+});
+
+test('会员弹窗：卡密渠道注入与直兑分流（不创建支付订单）', () => {
+  // 后端：available_payment_methods 追加 card_pass + 视图模型透传。
+  assert.match(vipPackages, /'id' => 'card_pass', 'name' => __\('卡密', 'aksrt'\)/);
+  assert.match(vipPackages, /function vip_card_pass_context\(\)/);
+  assert.match(vipPackages, /vip_card_pass_context\(\)/);
+  assert.match(vipModal, /'card_pass' => \$card_pass/);
+  assert.match(vipModal, /'card_pass' => \$card_pass,/);
+  // 支付方式组件与其他两个弹窗同源：logo URL 服务端映射 + 余额/货币符号透传。
+  assert.match(vipModal, /function payment_method_logo_url\(string \$id\): string/);
+  assert.match(vipModal, /'card_pass'\s+=>\s+'pay-card-pass-logo\.svg'/);
+  assert.match(vipModal, /'wallet_balance' => \(string\) \(\$catalog\['wallet_balance'\]/);
+  assert.match(vipModal, /'currency_mark' =>/);
+  // 后端防御：purchase() 拒绝 card_pass（卡密直兑走 redeem）。
+  assert.match(vipPurchase, /aksrt_card_pass_redeem_required/);
+  // 前端：Zibll initiate_pay_input 同构组件——payment-method-radio logo 行、
+  // 我的余额盒（data-controller == balance）、卡密盒（password_box 类结构）、
+  // hidden payment_method、initiate-pay 按钮。
+  assert.match(payVipJs, /payment-method-radio hollow-radio flex-auto pointer/);
+  assert.match(payVipJs, /item\.setAttribute\("data-for", "payment_method"\)/);
+  assert.match(payVipJs, /mb10 muted-box padding-h10/);
+  assert.match(payVipJs, /"data-condition", "=="/);
+  assert.match(payVipJs, /"data-value", "balance"/);
+  assert.match(payVipJs, /mb10 padding-h10 padding-w6/);
+  assert.match(payVipJs, /"data-value", "card_pass"/);
+  assert.match(payVipJs, /hidden\.name = "payment_method"/);
+  assert.match(payVipJs, /mt6 but jb-red initiate-pay btn-block radius/);
+  assert.doesNotMatch(payVipJs, /uc-vip-shop__method|aksrt_vip_pay_method/);
+  // 显隐：通用 data-controller（==/!=）匹配 + 卡密选中隐藏套餐。
+  assert.match(payVipJs, /function applyVipMethodVisibility\(/);
+  assert.match(payVipJs, /querySelectorAll\('\[data-controller="payment_method"\]'\)/);
+  assert.match(payVipJs, /querySelectorAll\("\.charge-box"\)/);
+  // 提交分流：卡密直兑 /pay/card-pass/redeem type=vip。
+  assert.match(payVipJs, /function redeemVipCardPass\(/);
+  assert.match(payVipJs, /\/pay\/card-pass\/redeem/);
+  assert.match(payVipJs, /type: "vip"/);
+  assert.match(payVipJs, /view\.card_pass && view\.card_pass\.enabled/);
+});
+
+test('REST 契约：type 必填（balance/vip/credits），无空类型自动识别', () => {
+  assert.match(chargeCard, /'type' => \['type' => 'string', 'required' => true, 'enum' => \[self::TYPE_BALANCE, self::TYPE_VIP, self::TYPE_CREDITS\]\]/);
+  assert.match(chargeCard, /卡密兑换类型无效/);
+  assert.match(chargeCard, /REDEEMABLE_TYPES = \[self::TYPE_BALANCE, self::TYPE_VIP, self::TYPE_CREDITS\]/);
+  // 兼容层：redeem_for_user 仍保留 expected_type 形参（前端恒传明确类型）。
+  assert.match(chargeCard, /function redeem_for_user\(int \$user_id, string \$password, string \$card = '', string \$expected_type = ''/);
+});
+
+test('后端类型闸门：三个独立开关各约束自己的类型', () => {
+  assert.match(chargeCard, /'balance' => \['enabled' => false, 'desc' => '', 'only_password' => false\]/);
+  assert.match(chargeCard, /'credits' => \['enabled' => false, 'desc' => '', 'only_password' => false\]/);
+  assert.match(chargeCard, /'vip'\s+=> \['enabled' => false, 'desc' => '', 'only_password' => true\]/);
+  assert.match(chargeCard, /卡密兑换余额功能未开启/);
+  assert.match(chargeCard, /卡密兑换积分功能未开启/);
+  assert.match(chargeCard, /卡密兑换会员功能未开启/);
+  assert.match(chargeCard, /积分系统未开启/);
+  // 收款接口 card_pass 主开关：三开关任一开启即生效。
+  const paymentRuntime = read('src', 'Settings', 'PaymentRuntime.php');
+  assert.match(paymentRuntime, /\$card_pass_enabled = !empty\(\$settings\['pay_balance_pass_charge_s'\]\)[\s\S]*?\|\| !empty\(\$settings\['pay_vip_pass_charge_s'\]\);/);
+});
+
+test('后台 schema：卡密兑换拆分为三个独立开关', () => {
+  for (const [name, src] of [['SchemaPayment.php', schemaPhp], ['recharge.js', schemaJs]]) {
+    assert.match(src, /启用卡密兑换余额功能/, name);
+    assert.match(src, /启用卡密兑换积分功能/, name);
+    assert.match(src, /启用卡密兑换会员功能/, name);
+    assert.match(src, /points_pass_exchange_s/, name);
+    assert.match(src, /points_pass_exchange_desc/, name);
+    assert.match(src, /points_pass_exchange_only_password/, name);
+    assert.match(src, /pay_vip_pass_charge_desc/, name);
+    assert.match(src, /pay_vip_pass_charge_only_password/, name);
+    // 旧总开关语义不回潮。
+    assert.doesNotMatch(src, /启用卡密兑换功能'|启用卡密兑换功能"/, name);
+  }
+  // recharge.js defaults 补齐三开关字段。
+  assert.match(schemaJs, /points_pass_exchange_s: false/);
+  assert.match(schemaJs, /pay_vip_pass_charge_s: false/);
+  // vip schema 的「会员卡密」组迁移至 recharge 卡密兑换组，原组删除。
+  assert.doesNotMatch(vipSchemaJs, /title: '会员卡密'/);
+  assert.doesNotMatch(vipSchemaJs, /pay_vip_pass_charge_only_password/);
+  const schemaPaymentVip = schemaPhp;
+  assert.doesNotMatch(schemaPaymentVip, /title' => '会员卡密'/);
+});
+
+test('核销订单契约：金额恒为 0，订单名称按 note 生成', () => {
+  assert.match(chargeCard, /订单金额恒为 0/);
+  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\(\$meta\)/);
+  assert.match(userOrders, /卡密兑换-余额充值/);
+  assert.match(userOrders, /卡密兑换-积分充值/);
+  assert.match(userOrders, /购入\[%1\$s\]%2\$s/);
+  assert.match(userOrders, /永久/);
+});