diff --git a/assets/admin/src/components/form/AksField.vue b/assets/admin/src/components/form/AksField.vue
index 49a33bee..23a4c071 100644
--- a/assets/admin/src/components/form/AksField.vue
+++ b/assets/admin/src/components/form/AksField.vue
@@ -1053,6 +1053,8 @@ const repeaterDraft = ref({})
 function createRepeaterItem() {
   const newItem = { _id: `rpt_${Date.now()}_${++repeaterIdCounter}` }
   for (const field of (props.schema.fields || [])) {
+    // UI-only chrome rows (notice / alert) are presentation only.
+    if (field.ui_only) continue
     if (field.default !== undefined) {
       newItem[field.key] = field.default
     } else if (field.type === 'switch') {
diff --git a/assets/admin/src/components/form/AksFormRenderer.vue b/assets/admin/src/components/form/AksFormRenderer.vue
index 5157530f..61e0c382 100644
--- a/assets/admin/src/components/form/AksFormRenderer.vue
+++ b/assets/admin/src/components/form/AksFormRenderer.vue
@@ -64,9 +64,9 @@
                   <n-tabs type="line" animated>
                     <n-tab-pane
                       v-for="tab in field.tabs"
-                      :key="tab.title || tab.key"
-                      :name="tab.title || tab.key"
-                      :tab="tab.title || tab.key"
+                      :key="tab.key || tab.title"
+                      :name="tabName(tab)"
+                      :tab="tabName(tab)"
                     >
                       <template v-for="sub in (tab.fields || [])" :key="sub.key">
                         <AksField
@@ -231,6 +231,18 @@ function isFieldVisible(field) {
   return matchDependsOn(field.dependsOn)
 }
 
+/**
+ * Tab label. `titleKey` binds the label to a live form value (e.g. the VIP level
+ * display name) so renaming a level renames its tab; `titleFallback` is used
+ * while that value is still empty.
+ */
+function tabName(tab) {
+  if (!tab) return ''
+  const dynamic = tab.titleKey ? props.formData?.[tab.titleKey] : ''
+  const label = typeof dynamic === 'string' ? dynamic.trim() : ''
+  return label || tab.titleFallback || tab.title || tab.key || ''
+}
+
 /** Whole group can be hidden (e.g. optional advanced blocks). */
 function isGroupVisible(group) {
   return matchDependsOn(group.dependsOn)
diff --git a/assets/admin/src/schema/sections/payment/vip.js b/assets/admin/src/schema/sections/payment/vip.js
index 54699f7e..bef158aa 100644
--- a/assets/admin/src/schema/sections/payment/vip.js
+++ b/assets/admin/src/schema/sections/payment/vip.js
@@ -1,24 +1,109 @@
 /**
- * VIP会员 — 参考主题结构：会员等级、会员权益（普通/一级/二级 tab）、
- * 会员购买选项（一级/二级/续费/升级 tab）、卡密兑换与积分兑换。
+ * VIP会员 — 结构 1:1 对照参考主题 Zibll：会员等级（开关）、会员权益
+ * （普通/一级/二级 tab）、会员购买选项（一级/二级/续费/升级 tab）、
+ * 积分兑换会员与界面文案。
+ *
+ * 会员商品 / 续费商品 / 升级价格 / 积分兑换明细均为结构化 group 或
+ * accordion，不再使用 `|` 分隔的 textarea。等级 Tab 标题通过 titleKey
+ * 绑定「会员显示名称」，改名即改 Tab 名。
  */
+
+const VIP_EQUITY_DEFAULT = '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>';
+
+const vipTagPalette = [
+  { label: '#f74b3d', value: 'b-red' },
+  { label: '#f3920a', value: 'b-yellow' },
+  { label: '#08c4c1', value: 'b-cyan' },
+  { label: '#0a8cf3', value: 'b-blue' },
+  { label: '#1fd05a', value: 'b-green' },
+  { label: '#c133f5', value: 'b-purple' },
+  { label: '#121517', value: 'b-black' },
+  { label: 'linear-gradient(135deg, #ffbeb4 10%, #f61a1a 100%)', value: 'jb-red' },
+  { label: 'linear-gradient(135deg, #ff5e7f 30%, #ff967e 100%)', value: 'jb-pink' },
+  { label: 'linear-gradient(135deg, #ffd6b2 10%, #ff651c 100%)', value: 'jb-yellow' },
+  { label: 'linear-gradient(140deg, #039ab3 10%, #58dbcf 90%)', value: 'jb-cyan' },
+  { label: 'linear-gradient(135deg, #b6e6ff 10%, #198aff 100%)', value: 'jb-blue' },
+  { label: 'linear-gradient(135deg, #ccffcd 10%, #52bb51 100%)', value: 'jb-green' },
+  { label: 'linear-gradient(135deg, #fec2ff 10%, #d000de 100%)', value: 'jb-purple' },
+  { label: 'linear-gradient(25deg, #eab869 10%, #fbecd4 60%, #ffe0ae 100%)', value: 'jb-vip1' },
+  { label: 'linear-gradient(317deg, #4d4c4c 30%, #878787 70%, #5f5c5c 100%)', value: 'jb-vip2' },
+];
+
+const vipUnitOptions = [
+  { label: '天', value: 'day' },
+  { label: '月', value: 'month' },
+];
+
+/**
+ * 会员商品字段集（参考主题 CFS_Module::vip_product）。
+ */
+function vipProductFields() {
+  return [
+    { key: 'price', label: '执行价', type: 'number', sanitize_type: 'money_decimal', default: '699.00', min: 0, suffix: '元', help: '会员的实际购买价格' },
+    { key: 'show_price', label: '原价', type: 'number', sanitize_type: 'money_decimal', default: '999.00', min: 0, suffix: '元', help: '显示在执行价格前面，并划掉' },
+    { key: 'tag', label: '促销标签', type: 'textarea', sanitize_type: 'html', default: '', rows: 1, help: '支持HTML，请注意控制长度' },
+    { key: 'tag_class', label: '标签颜色', type: 'palette', default: 'jb-yellow', dependsOn: { key: 'tag', operator: 'not_empty' }, options: vipTagPalette },
+    { key: 'time', label: '会员有效时间', type: 'spinner', default: 3, min: 0, max: 3600, step: 1, help: '开通会员的时长。填0则为永久会员' },
+    { key: 'unit', label: '时长单位', type: 'radio', default: 'month', inline: true, dependsOn: { key: 'time', operator: 'truthy' }, options: vipUnitOptions },
+    { key: '_time_permanent_hint', label: '', type: 'alert', alertType: 'success', ui_only: true, dependsOn: { key: 'time', operator: 'eq', value: 0 }, content: '会员有效时间已设置为：永久会员' },
+  ];
+}
+
+/**
+ * 会员等级 Tab 字段集（参考主题 CFS_Module::vip_tab，显示名称并入 Tab）。
+ */
+function vipLevelTabFields(level) {
+  const dep = { key: `pay_user_vip_${level}_s`, value: true };
+  return [
+    { key: `pay_user_vip_${level}_name`, label: '会员显示名称', type: 'input', default: level === 1 ? '黄金会员' : '钻石会员', dependsOn: dep, help: '会员名称（例如“黄金会员”、“超级会员”）' },
+    { key: `pay_user_vip_${level}_desc`, label: '一句话简介', type: 'input', default: '尊享专属特权', dependsOn: dep },
+    { key: `pay_user_vip_${level}_equity`, label: '会员权益 HTML', type: 'textarea', sanitize_type: 'html', default: VIP_EQUITY_DEFAULT, rows: 4, dependsOn: dep, help: '建议使用 <li> 列表项' },
+    { key: `vip_${level}_product_s`, label: '购买会员', type: 'switch', default: true, dependsOn: dep, help: '关闭后则不能付费购买会员，但可通过积分兑换会员，请确保已开启积分以及积分兑换会员功能' },
+    {
+      key: `vip_${level}_product`,
+      label: '会员商品',
+      type: 'group',
+      max: 8,
+      button_title: '添加会员商品',
+      default: [
+        { 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' },
+      ],
+      dependsOn: { all: [dep, { key: `vip_${level}_product_s`, value: true }] },
+      help: '会员购买价格配置：执行价、原价、促销标签、标签颜色与会员有效时间',
+      fields: vipProductFields(),
+    },
+    { key: `vip_${level}_img_icon`, label: '会员图标', type: 'upload', default: '', dependsOn: dep, help: `留空使用内置 vip-${level}.svg 图标；建议尺寸300x300` },
+  ];
+}
+
 export const vipSchema = {
   key: 'payment.vip',
   title: 'VIP会员',
   icon: 'fa fas fa-gem',
-  description: '双级会员：等级名称、权益（下载次数与限速）、套餐、续费/升级与积分兑换。',
+  description: '双级会员：等级开关、权益（下载次数与限速）、会员商品、续费/升级与积分兑换。',
   defaults: {
     nav_pay_vip: true,
     nav_user_pay_vip: true,
     pay_user_vip_1_s: true,
     pay_user_vip_1_name: '黄金会员',
     pay_user_vip_1_desc: '尊享专属特权',
-    pay_user_vip_1_equity: '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>',
+    pay_user_vip_1_equity: VIP_EQUITY_DEFAULT,
+    vip_1_product_s: true,
+    vip_1_product: [
+      { 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' },
+    ],
     vip_1_img_icon: '',
     pay_user_vip_2_s: true,
     pay_user_vip_2_name: '钻石会员',
     pay_user_vip_2_desc: '尊享专属特权',
-    pay_user_vip_2_equity: '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>',
+    pay_user_vip_2_equity: VIP_EQUITY_DEFAULT,
+    vip_2_product_s: true,
+    vip_2_product: [
+      { 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' },
+    ],
     vip_2_img_icon: '',
     pay_user_vip_desc: '开通VIP会员，享受会员专属折扣以及多项特权',
     pay_user_vip_more: '<div>购买后不支持退款</div><div>VIP权益仅适用于本站</div><div>欢迎与站长联系</div>',
@@ -29,17 +114,45 @@ export const vipSchema = {
     pay_download_limit_vip_2: 0,
     pay_download_speed_vip_2: 0,
     vip_1_product_s: true,
-    payment_vip_1_products: '30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡',
-    vip_2_product_s: true,
-    payment_vip_2_products: '58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡',
     vip_renew: true,
+    vip_renew_desc: '立即续费会员，畅享VIP权益',
     vip_renew_price_type: 'discount',
     vip_renew_discount: 8,
     vip_renew_reduce: '20.00',
+    vip_1_renew_product: [
+      { price: 69, show_price: 199, tag: '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', time: 3, unit: 'month' },
+      { price: 169, show_price: 299, tag: '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', time: 6, unit: 'month' },
+    ],
+    vip_2_renew_product: [
+      { price: 269, show_price: 599, tag: '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', time: 3, unit: 'month' },
+      { price: 369, show_price: 899, tag: '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', time: 6, unit: 'month' },
+    ],
+    vip_2_product_s: true,
+    vip_renew: true,
+    vip_renew_discount: 8,
+    vip_renew_reduce: '20.00',
     vip_upgrade: true,
-    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',
+    vip_upgrade_desc: '升级VIP会员，享更多会员权益',
+    vip_upgrade_product: {
+      month_to_month_s: true,
+      unit_price: '10.00',
+      unit_tag: '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐',
+      unit_tag_class: 'jb-yellow',
+      jump_s: false,
+      jump_price: '199.00',
+      jump_show_price: '299.00',
+      jump_tag: '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠',
+      jump_tag_class: 'jb-red',
+      permanent_price: '199.00',
+      permanent_show_price: '299.00',
+      permanent_tag: '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠',
+      permanent_tag_class: 'jb-red',
+    },
     pay_vip_points_exchange_s: false,
-    payment_vip_points_packages: '1|500|30|积分月卡\n1|5000|0|积分永久',
+    pay_vip_points_exchange_product: [
+      { points: 500, level: 1, time: 30, unit: 'day' },
+      { points: 5000, level: 1, time: 'Permanent' },
+    ],
     pay_vip_points_exchange_desc: '',
   },
   groups: [
@@ -65,15 +178,16 @@ export const vipSchema = {
         { key: 'nav_pay_vip', label: '导航栏购买按钮', type: 'switch', default: true, help: '在顶部导航栏显示开通会员按钮；请注意顶部导航的整体宽度。' },
         { key: 'nav_user_pay_vip', label: '用户框购买按钮', type: 'switch', default: true, help: '在导航栏用户框内显示开通会员按钮。' },
         { key: 'pay_user_vip_1_s', label: '启用一级会员', type: 'switch', default: true },
-        { key: 'pay_user_vip_1_name', label: '一级会员显示名称', type: 'input', default: '黄金会员', dependsOn: { key: 'pay_user_vip_1_s', value: true } },
-        { key: 'pay_user_vip_1_desc', label: '一级会员一句话简介', type: 'input', default: '尊享专属特权', dependsOn: { key: 'pay_user_vip_1_s', value: true } },
-        { key: 'pay_user_vip_1_equity', label: '一级会员权益 HTML', type: 'textarea', sanitize_type: 'html', default: '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>', rows: 4, dependsOn: { key: 'pay_user_vip_1_s', value: true }, help: '建议使用 <li> 列表项' },
-        { key: 'vip_1_img_icon', label: '一级会员图标 URL', type: 'input', default: '', dependsOn: { key: 'pay_user_vip_1_s', value: true }, help: '留空使用内置 vip-1.svg 图标' },
+        {
+          key: 'vip_level_order_notice',
+          label: '',
+          type: 'notice',
+          ui_only: true,
+          alertType: 'danger',
+          dependsOn: { all: [{ key: 'pay_user_vip_2_s', value: true }, { key: 'pay_user_vip_1_s', operator: 'falsy' }] },
+          content: '<div style="text-align:center"><b>必须先开启一级会员后才能开启二级会员！</b></div>',
+        },
         { key: 'pay_user_vip_2_s', label: '启用二级会员', type: 'switch', default: true },
-        { key: 'pay_user_vip_2_name', label: '二级会员显示名称', type: 'input', default: '钻石会员', dependsOn: { key: 'pay_user_vip_2_s', value: true } },
-        { key: 'pay_user_vip_2_desc', label: '二级会员一句话简介', type: 'input', default: '尊享专属特权', dependsOn: { key: 'pay_user_vip_2_s', value: true } },
-        { key: 'pay_user_vip_2_equity', label: '二级会员权益 HTML', type: 'textarea', sanitize_type: 'html', default: '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>', rows: 4, dependsOn: { key: 'pay_user_vip_2_s', value: true } },
-        { key: 'vip_2_img_icon', label: '二级会员图标 URL', type: 'input', default: '', dependsOn: { key: 'pay_user_vip_2_s', value: true }, help: '留空使用内置 vip-2.svg 图标' },
       ],
     },
     {
@@ -97,6 +211,8 @@ export const vipSchema = {
             {
               key: 'vip1',
               title: '一级会员',
+              titleKey: 'pay_user_vip_1_name',
+              titleFallback: '一级会员',
               fields: [
                 { key: 'pay_download_limit_vip_1', label: '付费资源：免费资源每日可下载(个)', type: 'number', default: 0, min: 0, max: 9999, dependsOn: { key: 'pay_user_vip_1_s', value: true }, help: '一级会员每日最多可下载几个免费资源(为0则不限制)' },
                 { key: 'pay_download_speed_vip_1', label: '付费资源：下载限速(KB/s)', type: 'number', default: 0, min: 0, dependsOn: { key: 'pay_user_vip_1_s', value: true }, help: '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效' },
@@ -105,6 +221,8 @@ export const vipSchema = {
             {
               key: 'vip2',
               title: '二级会员',
+              titleKey: 'pay_user_vip_2_name',
+              titleFallback: '二级会员',
               fields: [
                 { key: 'pay_download_limit_vip_2', label: '付费资源：免费资源每日可下载(个)', type: 'number', default: 0, min: 0, max: 9999, dependsOn: { key: 'pay_user_vip_2_s', value: true }, help: '二级会员每日最多可下载几个免费资源(为0则不限制)' },
                 { key: 'pay_download_speed_vip_2', label: '付费资源：下载限速(KB/s)', type: 'number', default: 0, min: 0, dependsOn: { key: 'pay_user_vip_2_s', value: true }, help: '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效' },
@@ -127,52 +245,108 @@ export const vipSchema = {
             {
               key: 'vip1',
               title: '一级会员',
+              titleKey: 'pay_user_vip_1_name',
+              titleFallback: '一级会员',
               fields: [
-                { key: 'vip_1_product_s', label: '允许购买一级会员', type: 'switch', default: true, dependsOn: { key: 'pay_user_vip_1_s', value: true } },
-                {
-                  key: 'payment_vip_1_products',
-                  label: '一级会员套餐',
-                  type: 'textarea',
-                  default: '30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡',
-                  dependsOn: { key: 'vip_1_product_s', value: true },
-                  help: '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久',
-                },
+                ...vipLevelTabFields(1),
               ],
             },
             {
               key: 'vip2',
               title: '二级会员',
+              titleKey: 'pay_user_vip_2_name',
+              titleFallback: '二级会员',
               fields: [
-                { key: 'vip_2_product_s', label: '允许购买二级会员', type: 'switch', default: true, dependsOn: { key: 'pay_user_vip_2_s', value: true } },
-                {
-                  key: 'payment_vip_2_products',
-                  label: '二级会员套餐',
-                  type: 'textarea',
-                  default: '58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡',
-                  dependsOn: { key: 'vip_2_product_s', value: true },
-                  help: '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久',
-                },
+                ...vipLevelTabFields(2),
               ],
             },
             {
               key: 'renew',
               title: '会员续费',
               fields: [
-                { key: 'vip_renew', label: '允许续费', type: 'switch', default: true, help: '关闭后则不能续费，只能会员到期之后再购买。永久会员不需要续费' },
+                {
+                  key: 'vip_renew',
+                  label: '允许续费',
+                  type: 'switch',
+                  default: true,
+                  help: '关闭后则不能续费，只能会员到期之后再购买。永久会员不需要续费',
+                },
+                {
+                  key: 'vip_renew_desc',
+                  label: '续费介绍',
+                  type: 'input',
+                  default: '立即续费会员，畅享VIP权益',
+                  dependsOn: { key: 'vip_renew', value: true },
+                  help: '续费会员的一句话简介',
+                },
                 {
                   key: 'vip_renew_price_type',
                   label: '续费价格类型',
-                  type: 'radio',
+                  type: 'select',
                   default: 'discount',
                   dependsOn: { key: 'vip_renew', value: true },
                   options: [
                     { label: '相同价格', value: 'same' },
                     { label: '折扣价格', value: 'discount' },
                     { label: '优惠立减', value: 'reduce' },
+                    { label: '自定义商品', value: 'customize' },
                   ],
+                  help: '自定义商品时，按下方「一级会员续费」「二级会员续费」的商品选项计价',
+                },
+                {
+                  key: 'vip_renew_discount',
+                  label: '续费折扣',
+                  type: 'slider',
+                  sanitize_type: 'float',
+                  default: 8,
+                  min: 0.1,
+                  max: 9.9,
+                  step: 0.1,
+                  unit: '折',
+                  dependsOn: { key: 'vip_renew_price_type', value: 'discount' },
+                  help: '在会员商品基础上打几折，如 8 = 八折',
+                },
+                {
+                  key: 'vip_renew_reduce',
+                  label: '续费减免金额',
+                  type: 'spinner',
+                  sanitize_type: 'money_decimal',
+                  default: '20.00',
+                  min: 0,
+                  max: 500,
+                  step: 5,
+                  unit: '元',
+                  dependsOn: { key: 'vip_renew_price_type', value: 'reduce' },
+                  help: '在会员商品基础上优惠的金额，优惠后总金额不能为0元',
+                },
+                {
+                  key: 'vip_1_renew_product',
+                  label: '一级会员续费',
+                  type: 'group',
+                  max: 8,
+                  button_title: '添加续费商品',
+                  default: [
+                    { price: 69, show_price: 199, tag: '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', time: 3, unit: 'month' },
+                    { price: 169, show_price: 299, tag: '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', time: 6, unit: 'month' },
+                  ],
+                  dependsOn: { key: 'vip_renew_price_type', value: 'customize' },
+                  help: '一级会员续费的商品选项',
+                  fields: vipProductFields(),
+                },
+                {
+                  key: 'vip_2_renew_product',
+                  label: '二级会员续费',
+                  type: 'group',
+                  max: 8,
+                  button_title: '添加续费商品',
+                  default: [
+                    { price: 269, show_price: 599, tag: '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', time: 3, unit: 'month' },
+                    { price: 369, show_price: 899, tag: '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', time: 6, unit: 'month' },
+                  ],
+                  dependsOn: { key: 'vip_renew_price_type', value: 'customize' },
+                  help: '二级会员续费的商品选项',
+                  fields: vipProductFields(),
                 },
-                { key: 'vip_renew_discount', label: '续费折扣(折，如 8=八折)', type: 'number', default: 8, min: 1, max: 100, dependsOn: { key: 'vip_renew_price_type', value: 'discount' } },
-                { key: 'vip_renew_reduce', label: '续费减免金额', type: 'input', sanitize_type: 'money_decimal', default: '20.00', min: 0, max: 9999, dependsOn: { key: 'vip_renew_price_type', value: 'reduce' } },
               ],
             },
             {
@@ -180,13 +354,45 @@ export const vipSchema = {
               title: '会员升级',
               fields: [
                 { key: 'vip_upgrade', label: '允许升级', type: 'switch', default: true },
+                { key: 'vip_upgrade_desc', label: '升级介绍', type: 'input', default: '升级VIP会员，享更多会员权益', dependsOn: { key: 'vip_upgrade', value: true }, help: '升级会员的一句话简介' },
                 {
                   key: 'vip_upgrade_product',
-                  label: '升级产品',
-                  type: 'textarea',
-                  default: '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',
+                  label: '升级价格',
+                  type: 'accordion',
+                  default: {
+                    month_to_month_s: true,
+                    unit_price: '10.00',
+                    unit_tag: '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐',
+                    unit_tag_class: 'jb-yellow',
+                    jump_s: false,
+                    jump_price: '199.00',
+                    jump_show_price: '299.00',
+                    jump_tag: '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠',
+                    jump_tag_class: 'jb-red',
+                    permanent_price: '199.00',
+                    permanent_show_price: '299.00',
+                    permanent_tag: '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠',
+                    permanent_tag_class: 'jb-red',
+                  },
                   dependsOn: { key: 'vip_upgrade', value: true },
-                  help: '每行一条。永久VIP1升级：permanent|价格|标题；按剩余天：unit|每日单价|标题；限时跳转永久：jump|价格|标题',
+                  help: '会员升级的商品选项',
+                  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 },
+                    { key: 'unit_price', label: '天单价', type: 'number', sanitize_type: 'money_decimal', default: '10.00', min: 0, unit: '元', dependsOn: { key: 'month_to_month_s', value: true } },
+                    { key: 'unit_tag', label: '促销标签', type: 'textarea', sanitize_type: 'html', default: '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', rows: 1, dependsOn: { key: 'month_to_month_s', value: true }, help: '支持HTML，请注意控制长度' },
+                    { key: 'unit_tag_class', label: '标签颜色', type: 'palette', default: 'jb-yellow', dependsOn: { all: [{ key: 'month_to_month_s', value: true }, { key: 'unit_tag', operator: 'not_empty' }] }, options: vipTagPalette },
+                    { key: '_upgrade_jump_notice', label: '', type: 'notice', ui_only: true, alertType: 'warning', content: '如果网站可以购买月费会员和永久会员，则可以开启此项；允许用户由月费会员直接升级到更高一级的永久会员，用户之前还未到期的部分将自动一起转为永久会员，可能会涉及到差价问题，请自行告知用户；如果网站没有永久会员的购买选项请务必关闭此项' },
+                    { key: 'jump_s', label: '月费会员升级永久会员', type: 'switch', default: false },
+                    { key: 'jump_price', label: '执行价', type: 'number', sanitize_type: 'money_decimal', default: '199.00', min: 0, unit: '元', dependsOn: { key: 'jump_s', value: true }, help: '月费会员升级永久会员的价格' },
+                    { key: 'jump_show_price', label: '原价', type: 'number', sanitize_type: 'money_decimal', default: '299.00', min: 0, unit: '元', dependsOn: { key: 'jump_s', value: true }, help: '显示在执行价格前面，并划掉' },
+                    { key: 'jump_tag', label: '促销标签', type: 'textarea', sanitize_type: 'html', default: '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠', rows: 1, dependsOn: { key: 'jump_s', value: true }, help: '支持HTML，请注意控制长度' },
+                    { key: 'jump_tag_class', label: '标签颜色', type: 'palette', default: 'jb-red', dependsOn: { all: [{ key: 'jump_s', value: true }, { key: 'jump_tag', operator: 'not_empty' }] }, options: vipTagPalette },
+                    { key: 'permanent_price', label: '执行价', type: 'number', sanitize_type: 'money_decimal', default: '199.00', min: 0, unit: '元', help: '永久会员升级永久会员的价格' },
+                    { key: 'permanent_show_price', label: '原价', type: 'number', sanitize_type: 'money_decimal', default: '299.00', min: 0, unit: '元', help: '显示在执行价格前面，并划掉' },
+                    { key: 'permanent_tag', label: '促销标签', type: 'textarea', sanitize_type: 'html', default: '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠', rows: 1, help: '支持HTML，请注意控制长度' },
+                    { key: 'permanent_tag_class', label: '标签颜色', type: 'palette', default: 'jb-red', dependsOn: { key: 'permanent_tag', operator: 'not_empty' }, options: vipTagPalette },
+                  ],
                 },
               ],
             },
@@ -199,14 +405,43 @@ export const vipSchema = {
       title: '积分兑换会员',
       icon: 'fa fas fa-database',
       fields: [
-        { key: 'pay_vip_points_exchange_s', label: '启用积分兑换', type: 'switch', default: false },
+        { key: 'pay_vip_points_exchange_s', label: '启用积分兑换', type: 'switch', default: false, help: '开启后用户可使用积分兑换会员；由于积分可免费获取，所以积分兑换会员功能不支持升级及续费' },
         {
-          key: 'payment_vip_points_packages',
-          label: '兑换套餐',
-          type: 'textarea',
-          default: '1|500|30|积分月卡\n1|5000|0|积分永久',
+          key: 'pay_vip_points_exchange_product',
+          label: '积分兑换明细',
+          type: 'group',
+          max: 16,
+          button_title: '添加积分兑换商品',
+          default: [
+            { points: 500, level: 1, time: 30, unit: 'day' },
+            { points: 5000, level: 1, time: 'Permanent' },
+          ],
           dependsOn: { key: 'pay_vip_points_exchange_s', value: true },
-          help: '每行：等级|积分|天数|标题（天数 0=永久；仅未开通会员可兑）',
+          help: '每一行为一个可兑换的会员套餐',
+          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: [
+                { label: '一级会员', value: 1 },
+                { label: '二级会员', value: 2 },
+              ],
+            },
+            { key: 'time', label: '兑换时长', type: 'input', default: '', help: '填 Permanent 为永久' },
+            {
+              key: 'unit',
+              label: '时长单位',
+              type: 'radio',
+              default: 'day',
+              inline: true,
+              dependsOn: { key: 'time', operator: 'neq', value: 'Permanent' },
+              options: vipUnitOptions,
+            },
+          ],
         },
         { key: 'pay_vip_points_exchange_desc', label: '兑换说明', type: 'textarea', sanitize_type: 'html', default: '', rows: 2, dependsOn: { key: 'pay_vip_points_exchange_s', value: true }, help: '显示在积分兑换弹窗底部，可以为提醒事项、兑换协议等，支持HTML代码' },
       ],
diff --git a/assets/js/pay-vip.js b/assets/js/pay-vip.js
index 9c261d9d..8d3a8b58 100644
--- a/assets/js/pay-vip.js
+++ b/assets/js/pay-vip.js
@@ -124,7 +124,8 @@
       // Zibll 套餐卡：zib-widget vip-product relative text-center product-box
       // （右上 tag + 价格行 + 时长 badge，无标题行）。
       var product = node("div", "zib-widget vip-product relative text-center product-box");
-      if (item.discount_tag) append(product, node("div", "abs-right vip-tag badg jb-yellow", item.discount_tag));
+      // 标签颜色取后台「标签颜色」配置，未配置时回退参考主题默认的 jb-yellow。
+      if (item.discount_tag) append(product, node("div", "abs-right vip-tag badg " + (item.tag_class || "jb-yellow"), item.discount_tag));
       append(product, priceRow(mark, item.price_label || "", item.show_price_label || ""));
       if (item.days_label) append(product, node("div", "muted-2-color c-blue em09 p2-10 badg radius", item.days_label));
       append(label, product);
diff --git a/inc/helpers/user-center-renderers/vip-tab.php b/inc/helpers/user-center-renderers/vip-tab.php
index dfa31bab..2f62383d 100644
--- a/inc/helpers/user-center-renderers/vip-tab.php
+++ b/inc/helpers/user-center-renderers/vip-tab.php
@@ -29,6 +29,8 @@ $vip_state_name = (string) ($vip_state['state'] ?? 'unopened');
 $vip_state_source = (string) ($vip_state['source'] ?? 'none');
 $levels = is_array($vip_settings['levels'] ?? null) ? $vip_settings['levels'] : [];
 $desc_top = (string) ($vip_settings['desc'] ?? '');
+$renew_desc = (string) ($vip_settings['renew']['desc'] ?? '');
+$upgrade_desc = (string) ($vip_settings['upgrade']['desc'] ?? '');
 
 // Membership summary: title → level → intro → expiry.
 $vip_state          = 'unopened';
@@ -116,6 +118,9 @@ foreach ([1, 2] as $lv) {
 		: '';
 	$cta      = sprintf(__('开通%s', 'aksrt'), $lv_name);
 	$vip_attr = $lv;
+	// 参考主题 zibpay_get_vip_card：续费/升级档位卡展示各自的一句话简介。
+	$card_action = 'pay';
+	$card_desc   = $lv_desc;
 	$lv_icon_url = esc_url((string) ($levels[$lv]['img_icon'] ?? ''));
 	$lv_icon = $lv_icon_url !== ''
 		? '<img' . aksrt_get_lazy_attr('lazy_other', $lv_icon_url, 'aksrt-vip-level-icon') . ' alt="" decoding="async">'
@@ -124,8 +129,10 @@ foreach ([1, 2] as $lv) {
 		$renew_lv = (int) substr($btn_type, 6);
 		if ($lv === $renew_lv) {
 			$cta = sprintf(__('续费%s', 'aksrt'), $lv_name);
+			$card_action = 'renew';
 		} elseif ($lv > $renew_lv) {
 			$cta = sprintf(__('升级%s', 'aksrt'), $lv_name);
+			$card_action = 'upgrade';
 		} else {
 			continue;
 		}
@@ -134,19 +141,26 @@ foreach ([1, 2] as $lv) {
 			continue;
 		}
 		$cta = sprintf(__('升级%s', 'aksrt'), $lv_name);
+		$card_action = 'upgrade';
 		$vip_attr = 2;
 	} elseif ($level > 0 && $lv < $level) {
 		continue;
 	} elseif ($level > 0 && $lv === $level) {
 		$cta = sprintf(__('续费%s', 'aksrt'), $lv_name);
+		$card_action = 'renew';
+	}
+	if ($card_action === 'renew' && $renew_desc !== '') {
+		$card_desc = $renew_desc;
+	} elseif ($card_action === 'upgrade' && $upgrade_desc !== '') {
+		$card_desc = $upgrade_desc;
 	}
 
 	$cards .= '<div class="aksrt-panel text-center pay-vip-info flex1 level-' . $lv . ' uc-vip-level-card">';
 	$cards .= '<div class="relative uc-vip-level-card__inner">';
 	$cards .= '<div class="v-iconbox mb10">';
 	$cards .= '<div class="v-name font-bold"><span class="v-icon">' . $lv_icon . '</span>' . esc_html($lv_name) . '</div>';
-	if ($lv_desc !== '') {
-		$cards .= '<div class="v-desc em09 muted-2-color">' . esc_html($lv_desc) . '</div>';
+	if ($card_desc !== '') {
+		$cards .= '<div class="v-desc em09 muted-2-color">' . esc_html($card_desc) . '</div>';
 	}
 	$cards .= '</div>';
 	$cards .= $equity;
diff --git a/src/Admin/Schema/SchemaPayment.php b/src/Admin/Schema/SchemaPayment.php
index bd8c0ad1..3a957432 100644
--- a/src/Admin/Schema/SchemaPayment.php
+++ b/src/Admin/Schema/SchemaPayment.php
@@ -178,7 +178,7 @@ class SchemaPayment {
 				'vip' => [
 					'key'        => 'vip',
 					'title'      => 'VIP会员',
-					'version'    => '1.1.0',
+					'version'    => '1.2.0',
 					'option_key' => 'aksrt_settings',
 					'groups'     => [
 						['key' => 'notice', 'title' => '说明', 'fields' => [
@@ -188,15 +188,8 @@ class SchemaPayment {
 							['key' => 'nav_pay_vip', 'label' => '导航栏购买按钮', 'type' => 'switch', 'default' => true, 'help' => '在顶部导航栏显示开通会员按钮；请注意顶部导航的整体宽度。'],
 							['key' => 'nav_user_pay_vip', 'label' => '用户框购买按钮', 'type' => 'switch', 'default' => true, 'help' => '在导航栏用户框内显示开通会员按钮。'],
 							['key' => 'pay_user_vip_1_s', 'label' => '启用一级会员', 'type' => 'switch', 'default' => true],
-							['key' => 'pay_user_vip_1_name', 'label' => '一级会员显示名称', 'type' => 'input', 'default' => '黄金会员', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
-							['key' => 'pay_user_vip_1_desc', 'label' => '一级会员一句话简介', 'type' => 'input', 'default' => '尊享专属特权', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
-							['key' => 'pay_user_vip_1_equity', 'label' => '一级会员权益 HTML', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>', 'rows' => 4, 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
-							['key' => 'vip_1_img_icon', 'label' => '一级会员图标 URL', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true], 'help' => '留空使用内置 vip-1.svg 图标'],
+							['key' => 'vip_level_order_notice', 'label' => '', 'type' => 'notice', 'ui_only' => true, 'alertType' => 'danger', 'dependsOn' => ['all' => [['key' => 'pay_user_vip_2_s', 'value' => true], ['key' => 'pay_user_vip_1_s', 'operator' => 'falsy']]], 'content' => '<div style="text-align:center"><b>必须先开启一级会员后才能开启二级会员！</b></div>'],
 							['key' => 'pay_user_vip_2_s', 'label' => '启用二级会员', 'type' => 'switch', 'default' => true],
-							['key' => 'pay_user_vip_2_name', 'label' => '二级会员显示名称', 'type' => 'input', 'default' => '钻石会员', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
-							['key' => 'pay_user_vip_2_desc', 'label' => '二级会员一句话简介', 'type' => 'input', 'default' => '尊享专属特权', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
-							['key' => 'pay_user_vip_2_equity', 'label' => '二级会员权益 HTML', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>', 'rows' => 4, 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
-							['key' => 'vip_2_img_icon', 'label' => '二级会员图标 URL', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true], 'help' => '留空使用内置 vip-2.svg 图标'],
 						]],
 						['key' => 'benefit', 'title' => '会员权益', 'fields' => [
 							['key' => 'vip_benefit', 'label' => '会员权益', 'type' => 'tabbed', 'tabs' => [
@@ -204,11 +197,11 @@ class SchemaPayment {
 									['key' => 'pay_download_limit', 'label' => '付费资源：免费资源每日可下载(个)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 9999, 'help' => '普通用户每日最多可下载几个免费资源(为0则不限制)'],
 									['key' => 'pay_download_speed', 'label' => '付费资源：下载限速(KB/s)', 'type' => 'number', 'default' => 0, 'min' => 0, 'help' => '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效'],
 								]],
-								['key' => 'vip1', 'title' => '一级会员', 'fields' => [
+								['key' => 'vip1', 'title' => '一级会员', 'titleKey' => 'pay_user_vip_1_name', 'titleFallback' => '一级会员', 'fields' => [
 									['key' => 'pay_download_limit_vip_1', 'label' => '付费资源：免费资源每日可下载(个)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 9999, 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true], 'help' => '一级会员每日最多可下载几个免费资源(为0则不限制)'],
 									['key' => 'pay_download_speed_vip_1', 'label' => '付费资源：下载限速(KB/s)', 'type' => 'number', 'default' => 0, 'min' => 0, 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true], 'help' => '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效'],
 								]],
-								['key' => 'vip2', 'title' => '二级会员', 'fields' => [
+								['key' => 'vip2', 'title' => '二级会员', 'titleKey' => 'pay_user_vip_2_name', 'titleFallback' => '二级会员', 'fields' => [
 									['key' => 'pay_download_limit_vip_2', 'label' => '付费资源：免费资源每日可下载(个)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 9999, 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true], 'help' => '二级会员每日最多可下载几个免费资源(为0则不限制)'],
 									['key' => 'pay_download_speed_vip_2', 'label' => '付费资源：下载限速(KB/s)', 'type' => 'number', 'default' => 0, 'min' => 0, 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true], 'help' => '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效'],
 								]],
@@ -216,34 +209,96 @@ class SchemaPayment {
 						]],
 						['key' => 'opt', 'title' => '会员购买选项', 'fields' => [
 							['key' => 'vip_opt', 'label' => '会员购买选项', 'type' => 'tabbed', 'tabs' => [
-								['key' => 'vip1', 'title' => '一级会员', 'fields' => [
-									['key' => 'vip_1_product_s', 'label' => '允许购买一级会员', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
-									['key' => 'payment_vip_1_products', 'label' => '一级会员套餐', 'type' => 'textarea', 'default' => "30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡", 'dependsOn' => ['key' => 'vip_1_product_s', 'value' => true], 'help' => '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久'],
-								]],
-								['key' => 'vip2', 'title' => '二级会员', 'fields' => [
-									['key' => 'vip_2_product_s', 'label' => '允许购买二级会员', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
-									['key' => 'payment_vip_2_products', 'label' => '二级会员套餐', 'type' => 'textarea', 'default' => "58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡", 'dependsOn' => ['key' => 'vip_2_product_s', 'value' => true], 'help' => '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久'],
-								]],
+								['key' => 'vip1', 'title' => '一级会员', 'titleKey' => 'pay_user_vip_1_name', 'titleFallback' => '一级会员', 'fields' => self::vip_level_tab_fields(1)],
+								['key' => 'vip2', 'title' => '二级会员', 'titleKey' => 'pay_user_vip_2_name', 'titleFallback' => '二级会员', 'fields' => self::vip_level_tab_fields(2)],
 								['key' => 'renew', 'title' => '会员续费', 'fields' => [
 									['key' => 'vip_renew', 'label' => '允许续费', 'type' => 'switch', 'default' => true, 'help' => '关闭后则不能续费，只能会员到期之后再购买。永久会员不需要续费'],
-									['key' => 'vip_renew_price_type', 'label' => '续费价格类型', 'type' => 'radio', 'default' => 'discount', 'dependsOn' => ['key' => 'vip_renew', 'value' => true], 'options' => [
+									['key' => 'vip_renew_desc', 'label' => '续费介绍', 'type' => 'input', 'default' => '立即续费会员，畅享VIP权益', 'dependsOn' => ['key' => 'vip_renew', 'value' => true], 'help' => '续费会员的一句话简介'],
+									['key' => 'vip_renew_price_type', 'label' => '续费价格类型', 'type' => 'select', 'default' => 'discount', 'dependsOn' => ['key' => 'vip_renew', 'value' => true], 'options' => [
 										['label' => '相同价格', 'value' => 'same'],
 										['label' => '折扣价格', 'value' => 'discount'],
 										['label' => '优惠立减', 'value' => 'reduce'],
-									]],
-									['key' => 'vip_renew_discount', 'label' => '续费折扣(折，如 8=八折)', 'type' => 'number', 'default' => 8, 'min' => 1, 'max' => 100, 'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'discount']],
-									['key' => 'vip_renew_reduce', 'label' => '续费减免金额', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '20.00', 'min' => 0, 'max' => 9999, 'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'reduce']],
+										['label' => '自定义商品', 'value' => 'customize'],
+									], 'help' => '自定义商品时，按下方「一级会员续费」「二级会员续费」的商品选项计价'],
+									['key' => 'vip_renew_discount', 'label' => '续费折扣', 'type' => 'slider', 'sanitize_type' => 'float', 'default' => 8, 'min' => 0.1, 'max' => 9.9, 'step' => 0.1, 'unit' => '折', 'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'discount'], 'help' => '在会员商品基础上打几折，如 8 = 八折'],
+									['key' => 'vip_renew_reduce', 'label' => '续费减免金额', 'type' => 'spinner', 'sanitize_type' => 'money_decimal', 'default' => '20.00', 'min' => 0, 'max' => 500, 'step' => 5, 'unit' => '元', 'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'reduce'], 'help' => '在会员商品基础上优惠的金额，优惠后总金额不能为0元'],
+									[
+										'key' => 'vip_1_renew_product', 'label' => '一级会员续费', 'type' => 'group', 'max' => 8,
+										'button_title' => '添加续费商品', 'default' => [
+											['price' => '69.00', 'show_price' => '199.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', 'time' => 3, 'unit' => 'month'],
+											['price' => '169.00', 'show_price' => '299.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', 'time' => 6, 'unit' => 'month'],
+										],
+										'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'customize'],
+										'help' => '一级会员续费的商品选项',
+										'fields' => self::vip_product_fields(),
+									],
+									[
+										'key' => 'vip_2_renew_product', 'label' => '二级会员续费', 'type' => 'group', 'max' => 8,
+										'button_title' => '添加续费商品', 'default' => [
+											['price' => '269.00', 'show_price' => '599.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', 'time' => 3, 'unit' => 'month'],
+											['price' => '369.00', 'show_price' => '899.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', 'time' => 6, 'unit' => 'month'],
+										],
+										'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'customize'],
+										'help' => '二级会员续费的商品选项',
+										'fields' => self::vip_product_fields(),
+									],
 								]],
 								['key' => 'upgrade', 'title' => '会员升级', 'fields' => [
 									['key' => 'vip_upgrade', 'label' => '允许升级', 'type' => 'switch', 'default' => true],
-									['key' => 'vip_upgrade_product', 'label' => '升级产品', 'type' => 'textarea', 'default' => "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", 'dependsOn' => ['key' => 'vip_upgrade', 'value' => true], 'help' => '每行一条。永久VIP1：permanent|价格|标题；剩余天：unit|每日单价|标题；跳转永久：jump|价格|标题'],
+									['key' => 'vip_upgrade_desc', 'label' => '升级介绍', 'type' => 'input', 'default' => '升级VIP会员，享更多会员权益', 'dependsOn' => ['key' => 'vip_upgrade', 'value' => true], 'help' => '升级会员的一句话简介'],
+									[
+										'key' => 'vip_upgrade_product', 'label' => '升级价格', 'type' => 'accordion', 'default' => [
+											'month_to_month_s' => true, 'unit_price' => '10.00', 'unit_tag' => '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', 'unit_tag_class' => 'jb-yellow',
+											'jump_s' => false, 'jump_price' => '199.00', 'jump_show_price' => '299.00', 'jump_tag' => '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠', 'jump_tag_class' => 'jb-red',
+											'permanent_price' => '199.00', 'permanent_show_price' => '299.00', 'permanent_tag' => '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠', 'permanent_tag_class' => 'jb-red',
+										],
+										'dependsOn' => ['key' => 'vip_upgrade', 'value' => true],
+										'help' => '会员升级的商品选项',
+										'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],
+											['key' => 'unit_price', 'label' => '天单价', 'type' => 'number', 'sanitize_type' => 'money_decimal', 'default' => '10.00', 'min' => 0, 'unit' => '元', 'dependsOn' => ['key' => 'month_to_month_s', 'value' => true]],
+											['key' => 'unit_tag', 'label' => '促销标签', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', 'rows' => 1, 'dependsOn' => ['key' => 'month_to_month_s', 'value' => true], 'help' => '支持HTML，请注意控制长度'],
+											['key' => 'unit_tag_class', 'label' => '标签颜色', 'type' => 'palette', 'default' => 'jb-yellow', 'dependsOn' => ['all' => [['key' => 'month_to_month_s', 'value' => true], ['key' => 'unit_tag', 'operator' => 'not_empty']]], 'options' => self::vip_tag_palette()],
+											['key' => '_upgrade_jump_notice', 'label' => '', 'type' => 'notice', 'ui_only' => true, 'alertType' => 'warning', 'content' => '如果网站可以购买月费会员和永久会员，则可以开启此项；允许用户由月费会员直接升级到更高一级的永久会员，用户之前还未到期的部分将自动一起转为永久会员，可能会涉及到差价问题，请自行告知用户；如果网站没有永久会员的购买选项请务必关闭此项'],
+											['key' => 'jump_s', 'label' => '月费会员升级永久会员', 'type' => 'switch', 'default' => false],
+											['key' => 'jump_price', 'label' => '执行价', 'type' => 'number', 'sanitize_type' => 'money_decimal', 'default' => '199.00', 'min' => 0, 'unit' => '元', 'dependsOn' => ['key' => 'jump_s', 'value' => true], 'help' => '月费会员升级永久会员的价格'],
+											['key' => 'jump_show_price', 'label' => '原价', 'type' => 'number', 'sanitize_type' => 'money_decimal', 'default' => '299.00', 'min' => 0, 'unit' => '元', 'dependsOn' => ['key' => 'jump_s', 'value' => true], 'help' => '显示在执行价格前面，并划掉'],
+											['key' => 'jump_tag', 'label' => '促销标签', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠', 'rows' => 1, 'dependsOn' => ['key' => 'jump_s', 'value' => true], 'help' => '支持HTML，请注意控制长度'],
+											['key' => 'jump_tag_class', 'label' => '标签颜色', 'type' => 'palette', 'default' => 'jb-red', 'dependsOn' => ['all' => [['key' => 'jump_s', 'value' => true], ['key' => 'jump_tag', 'operator' => 'not_empty']]], 'options' => self::vip_tag_palette()],
+											['key' => 'permanent_price', 'label' => '执行价', 'type' => 'number', 'sanitize_type' => 'money_decimal', 'default' => '199.00', 'min' => 0, 'unit' => '元', 'help' => '永久会员升级永久会员的价格'],
+											['key' => 'permanent_show_price', 'label' => '原价', 'type' => 'number', 'sanitize_type' => 'money_decimal', 'default' => '299.00', 'min' => 0, 'unit' => '元', 'help' => '显示在执行价格前面，并划掉'],
+											['key' => 'permanent_tag', 'label' => '促销标签', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠', 'rows' => 1, 'help' => '支持HTML，请注意控制长度'],
+											['key' => 'permanent_tag_class', 'label' => '标签颜色', 'type' => 'palette', 'default' => 'jb-red', 'dependsOn' => ['key' => 'permanent_tag', 'operator' => 'not_empty'], 'options' => self::vip_tag_palette()],
+										],
+									],
 								]],
 							]],
 						]],
 						['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],
-							['key' => 'payment_vip_points_packages', 'label' => '兑换套餐', 'type' => 'textarea', 'default' => "1|500|30|积分月卡\n1|5000|0|积分永久", 'dependsOn' => ['key' => 'pay_vip_points_exchange_s', 'value' => true], 'help' => '每行：等级|积分|天数|标题（天数 0=永久；普通用户可开通，已有会员可续费同等级或升级更高等级）'],
-							['key' => 'pay_vip_points_exchange_desc', 'label' => '兑换说明', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '', 'rows' => 2, 'dependsOn' => ['key' => 'pay_vip_points_exchange_s', 'value' => true]],
+							['key' => 'pay_vip_points_exchange_s', 'label' => '启用积分兑换', 'type' => 'switch', 'default' => false, 'help' => '开启后用户可使用积分兑换会员；由于积分可免费获取，所以积分兑换会员功能不支持升级及续费'],
+							[
+								'key' => 'pay_vip_points_exchange_product', 'label' => '积分兑换明细', 'type' => 'group', 'max' => 16,
+								'button_title' => '添加积分兑换商品', 'default' => [
+									['points' => 500, 'level' => 1, 'time' => 30, 'unit' => 'day'],
+									['points' => 5000, 'level' => 1, 'time' => 'Permanent'],
+								],
+								'dependsOn' => ['key' => 'pay_vip_points_exchange_s', 'value' => true],
+								'help' => '每一行为一个可兑换的会员套餐',
+								'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' => [
+										['label' => '一级会员', 'value' => 1],
+										['label' => '二级会员', 'value' => 2],
+									]],
+									['key' => 'time', 'label' => '兑换时长', 'type' => 'input', 'default' => '', 'help' => '填 Permanent 为永久'],
+									['key' => 'unit', 'label' => '时长单位', 'type' => 'radio', 'default' => 'day', 'inline' => true, 'dependsOn' => ['key' => 'time', 'operator' => 'neq', 'value' => 'Permanent'], 'options' => [
+										['label' => '天', 'value' => 'day'],
+										['label' => '月', 'value' => 'month'],
+									]],
+								],
+							],
+							['key' => 'pay_vip_points_exchange_desc', 'label' => '兑换说明', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '', 'rows' => 2, 'dependsOn' => ['key' => 'pay_vip_points_exchange_s', 'value' => true], 'help' => '用户使用积分兑换时显示的内容，建议为提醒事项、兑换协议等，支持HTML代码'],
 						]],
 						['key' => 'modal-copy', 'title' => '界面文案', 'fields' => [
 							['key' => 'pay_user_vip_desc', 'label' => '会员介绍', 'type' => 'input', 'default' => '开通VIP会员，享受会员专属折扣以及多项特权', 'dependsOn' => ['any' => [['key' => 'pay_user_vip_1_s', 'value' => true], ['key' => 'pay_user_vip_2_s', 'value' => true]]]],
@@ -576,4 +631,91 @@ class SchemaPayment {
 		}
 		return $options;
 	}
+
+	/**
+	 * 会员商品/续费商品的统一字段集（参考主题 CFS_Module::vip_product 1:1）。
+	 *
+	 * @return array<int,array<string,mixed>>
+	 */
+	private static function vip_product_fields(): array {
+		return [
+			['key' => 'price', 'label' => '执行价', 'type' => 'number', 'sanitize_type' => 'money_decimal', 'default' => '699.00', 'min' => 0, 'suffix' => '元', 'help' => '会员的实际购买价格'],
+			['key' => 'show_price', 'label' => '原价', 'type' => 'number', 'sanitize_type' => 'money_decimal', 'default' => '999.00', 'min' => 0, 'suffix' => '元', 'help' => '显示在执行价格前面，并划掉'],
+			['key' => 'tag', 'label' => '促销标签', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '', 'rows' => 1, 'help' => '支持HTML，请注意控制长度'],
+			['key' => 'tag_class', 'label' => '标签颜色', 'type' => 'palette', 'default' => 'jb-yellow', 'dependsOn' => ['key' => 'tag', 'operator' => 'not_empty'], 'options' => self::vip_tag_palette()],
+			['key' => 'time', 'label' => '会员有效时间', 'type' => 'spinner', 'default' => 3, 'min' => 0, 'max' => 3600, 'step' => 1, 'help' => '开通会员的时长。填0则为永久会员'],
+			['key' => 'unit', 'label' => '时长单位', 'type' => 'radio', 'default' => 'month', 'inline' => true, 'dependsOn' => ['key' => 'time', 'operator' => 'truthy'], 'options' => [
+				['label' => '天', 'value' => 'day'],
+				['label' => '月', 'value' => 'month'],
+			]],
+			['key' => '_time_permanent_hint', 'label' => '', 'type' => 'alert', 'alertType' => 'success', 'ui_only' => true, 'dependsOn' => ['key' => 'time', 'operator' => 'eq', 'value' => 0], 'content' => '会员有效时间已设置为：永久会员'],
+		];
+	}
+
+	/**
+	 * 会员等级 Tab 的字段集（参考主题 CFS_Module::vip_tab 1:1，显示名称并入 Tab）。
+	 *
+	 * @return array<int,array<string,mixed>>
+	 */
+	private static function vip_level_tab_fields(int $level): array {
+		$dep = ['key' => 'pay_user_vip_' . $level . '_s', 'value' => true];
+		$equity = '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>';
+		return [
+			['key' => 'pay_user_vip_' . $level . '_name', 'label' => '会员显示名称', 'type' => 'input', 'default' => $level === 1 ? '黄金会员' : '钻石会员', 'dependsOn' => $dep, 'help' => '会员名称（例如“黄金会员”、“超级会员”）'],
+			['key' => 'pay_user_vip_' . $level . '_desc', 'label' => '一句话简介', 'type' => 'input', 'default' => '尊享专属特权', 'dependsOn' => $dep],
+			['key' => 'pay_user_vip_' . $level . '_equity', 'label' => '会员权益 HTML', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => $equity, 'rows' => 4, 'dependsOn' => $dep, 'help' => '建议使用 <li> 列表项'],
+			['key' => 'vip_' . $level . '_product_s', 'label' => '购买会员', 'type' => 'switch', 'default' => true, 'dependsOn' => $dep, 'help' => '关闭后则不能付费购买会员，但可通过积分兑换会员，请确保已开启积分以及积分兑换会员功能'],
+			[
+				'key' => 'vip_' . $level . '_product', 'label' => '会员商品', 'type' => 'group', 'max' => 8,
+				'button_title' => '添加会员商品', 'default' => self::vip_product_defaults(),
+				'dependsOn' => ['all' => [$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(),
+			],
+			['key' => 'vip_' . $level . '_img_icon', 'label' => '会员图标', 'type' => 'upload', 'default' => '', 'dependsOn' => $dep, 'help' => '留空使用内置 vip-' . $level . '.svg 图标；建议尺寸300x300'],
+		];
+	}
+
+	/**
+	 * 会员商品默认两行（参考主题 vip_tab 的 group 默认值）。
+	 *
+	 * @return array<int,array<string,mixed>>
+	 */
+	private static function vip_product_defaults(): array {
+		return [
+			['price' => '99.00', 'show_price' => '199.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', 'time' => 3, 'unit' => 'month'],
+			['price' => '199.00', 'show_price' => '299.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', 'time' => 6, 'unit' => 'month'],
+		];
+	}
+
+	/**
+	 * 标签颜色调色板（参考主题 zib_palette(array(), array('b','jb'))）。
+	 *
+	 * @return array<int,array<string,string>>
+	 */
+	private static function vip_tag_palette(): array {
+		$colors = [
+			'b-red'    => '#f74b3d',
+			'b-yellow' => '#f3920a',
+			'b-cyan'   => '#08c4c1',
+			'b-blue'   => '#0a8cf3',
+			'b-green'  => '#1fd05a',
+			'b-purple' => '#c133f5',
+			'b-black'  => '#121517',
+			'jb-red'    => 'linear-gradient(135deg, #ffbeb4 10%, #f61a1a 100%)',
+			'jb-pink'   => 'linear-gradient(135deg, #ff5e7f 30%, #ff967e 100%)',
+			'jb-yellow' => 'linear-gradient(135deg, #ffd6b2 10%, #ff651c 100%)',
+			'jb-cyan'   => 'linear-gradient(140deg, #039ab3 10%, #58dbcf 90%)',
+			'jb-blue'   => 'linear-gradient(135deg, #b6e6ff 10%, #198aff 100%)',
+			'jb-green'  => 'linear-gradient(135deg, #ccffcd 10%, #52bb51 100%)',
+			'jb-purple' => 'linear-gradient(135deg, #fec2ff 10%, #d000de 100%)',
+			'jb-vip1'   => 'linear-gradient(25deg, #eab869 10%, #fbecd4 60%, #ffe0ae 100%)',
+			'jb-vip2'   => 'linear-gradient(317deg, #4d4c4c 30%, #878787 70%, #5f5c5c 100%)',
+		];
+		$options = [];
+		foreach ($colors as $value => $css) {
+			$options[] = ['label' => $css, 'value' => $value];
+		}
+		return $options;
+	}
 }
diff --git a/src/Admin/SchemaProvider.php b/src/Admin/SchemaProvider.php
index 10e78979..52d12ab5 100644
--- a/src/Admin/SchemaProvider.php
+++ b/src/Admin/SchemaProvider.php
@@ -994,6 +994,12 @@ class SchemaProvider {
 			if (!is_array($field) || empty($field['key'])) {
 				continue;
 			}
+			// UI-only chrome (notice / alert rows) is presentation only and must
+			// never become a persisted settings key, matching the top-level
+			// behaviour of collect_persisted_fields().
+			if (!empty($field['ui_only']) || ($field['type'] ?? '') === 'notice') {
+				continue;
+			}
 			$key = (string) $field['key'];
 			if (array_key_exists($key, $value)) {
 				$clean[$key] = $this->sanitize_field_value($value[$key], $field);
diff --git a/src/Content/VipServiceModal.php b/src/Content/VipServiceModal.php
index 73fda631..a9dd88df 100644
--- a/src/Content/VipServiceModal.php
+++ b/src/Content/VipServiceModal.php
@@ -214,11 +214,13 @@ trait VipServiceModal {
             }
             $level = max(1, min(2, (int) ($package['level'] ?? 1)));
             $points = max(0, (int) ($package['points'] ?? 0));
-            $days = max(0, (int) ($package['days'] ?? 0));
-            // 参考主题时长行：30<span class="px12">天</span> / 永久。
-            $duration = $days > 0
-                ? (string) $days . '<span class="px12">' . esc_html__('天', 'aksrt') . '</span>'
-                : esc_html__('永久', 'aksrt');
+            // 参考主题时长行：30<span class="px12">天</span> / 永久；time 为 Permanent 时按永久渲染。
+            $is_permanent = !empty($package['is_permanent']);
+            $pkg_time = max(0, (int) ($package['time'] ?? 0));
+            $pkg_unit = ((string) ($package['unit'] ?? 'day')) === 'month' ? 'month' : 'day';
+            $duration = ($is_permanent || $pkg_time <= 0)
+                ? esc_html__('永久', 'aksrt')
+                : (string) $pkg_time . '<span class="px12">' . esc_html($pkg_unit === 'month' ? __('个月', 'aksrt') : __('天', 'aksrt')) . '</span>';
             $level_name = (string) ($levels[$level]['name'] ?? ('VIP' . $level));
 
             $cards .= '<div class="vip-card  vip-theme' . $level . ($index === 0 ? ' active' : '') . ' " data-for="product_id" data-value="' . $package_id . '">'
diff --git a/src/Content/VipServicePackages.php b/src/Content/VipServicePackages.php
index c8d3a531..90df364f 100644
--- a/src/Content/VipServicePackages.php
+++ b/src/Content/VipServicePackages.php
@@ -11,82 +11,6 @@ trait VipServicePackages {
 
 
 
-    /**
-     * Parse per-level product lines (legacy vip_product).
-     *
-     * Preferred: price|show_price|time|unit|tag|title
-     * Legacy:    price|days|title
-     *
-     * @return array<int, array{price:string,show_price:string,time:int,unit:string,tag:string,tag_class:string,title:string,days:int}>
-     */
-    public function parse_level_products(string $raw): array {
-        $lines = preg_split('/\r\n|\r|\n/', $raw) ?: [];
-        $out = [];
-        foreach ($lines as $line) {
-            $line = trim((string) $line);
-            if ($line === '') {
-                continue;
-            }
-            $parts = array_map('trim', explode('|', $line));
-            $price_minor = $this->parse_vip_money_minor($parts[0] ?? '');
-            if ($price_minor <= 0) {
-                continue;
-            }
-
-            $n = count($parts);
-            // New format: price|show_price|time|unit|tag|title  (6+)
-            // Or: price|show_price|time|unit|title (5)
-            if ($n >= 4 && (in_array(strtolower((string) ($parts[3] ?? '')), ['day', 'month', 'd', 'm'], true)
-                || (isset($parts[3]) && $parts[3] !== '' && !is_numeric($parts[3])))) {
-                $show_minor = $this->parse_vip_money_minor($parts[1] ?? '0');
-                $time = isset($parts[2]) ? (int) $parts[2] : 0;
-                $unit_raw = strtolower((string) ($parts[3] ?? 'month'));
-                $unit = ($unit_raw === 'day' || $unit_raw === 'd') ? 'day' : 'month';
-                $tag = '';
-                $title = '';
-                if ($n >= 6) {
-                    $tag = sanitize_text_field((string) ($parts[4] ?? ''));
-                    $title = sanitize_text_field((string) ($parts[5] ?? ''));
-                } elseif ($n === 5) {
-                    // price|show|time|unit|title
-                    $title = sanitize_text_field((string) ($parts[4] ?? ''));
-                }
-            } else {
-                // Legacy: price|days|title
-                $show_minor = 0;
-                $days_legacy = isset($parts[1]) ? (int) $parts[1] : 0;
-                $time = $days_legacy;
-                $unit = 'day';
-                $tag = '';
-                $title = isset($parts[2]) ? sanitize_text_field($parts[2]) : '';
-            }
-
-            $time = max(0, $time);
-            $days = $this->duration_to_days($time, $unit);
-            if ($title === '') {
-                if ($time <= 0) {
-                    $title = __('永久会员', 'aksrt');
-                } elseif ($unit === 'day') {
-                    $title = sprintf(__('%d天会员', 'aksrt'), $time);
-                } else {
-                    $title = sprintf(__('%d个月会员', 'aksrt'), $time);
-                }
-            }
-
-            $out[] = [
-                'price'      => \AKSRT\Ledger\AssetAmount::decimal_from_minor($price_minor),
-                'show_price' => \AKSRT\Ledger\AssetAmount::decimal_from_minor($show_minor),
-                'time'       => $time,
-                'unit'       => $unit,
-                'tag'        => $tag,
-                'tag_class'  => '',
-                'title'      => $title,
-                'days'       => $days,
-            ];
-        }
-        return $out;
-    }
-
     /**
      * Approximate days for catalog labels / order meta; activate prefers time+unit calendar math.
      */
@@ -100,118 +24,59 @@ trait VipServicePackages {
         return $time;
     }
 
-    /**
-     * @deprecated Use parse_level_products — kept as thin adapter for upgrade fixed lines.
-     *
-     * @return array<int, array{price:string,days:int,title:string}>
-     */
-    public function parse_packages(string $raw): array {
-        $parsed = $this->parse_level_products($raw);
-        $out = [];
-        foreach ($parsed as $p) {
-            $out[] = [
-                'price' => (string) $p['price'],
-                'days'  => (int) $p['days'],
-                'title' => (string) $p['title'],
-            ];
-        }
-        return $out;
-    }
-
-
-
     /**
      * Build upgrade package items (legacy vip_upgrade_product parity).
      *
-     * upgrade.product multi-line formats:
-     * - permanent VIP1: permanent|price|title[|show_price]
-     * - fixed (alias): price|days|title
-     * - timed unit: unit|daily_price|title
-     * - timed jump permanent: jump|price|title[|show_price]
-     *
-     * Rules:
-     * - permanent user: only permanent/fixed (days=0 preferred)
-     * - timed user: unit (keep expiry) + optional jump (to permanent)
-     *
-     * package index: 901 permanent/fixed, 902 unit, 903 jump
-     *
-     * @return array<int, array<string,mixed>>
-     */
-    private function build_upgrade_items(int $user_id, int $expires, bool $is_permanent, string $raw): array {
-        $raw = trim($raw);
-        if ($raw === '') {
-            return [];
-        }
+    * Three blocks (reference theme vip_upgrade_product accordion):
+    * - month_to_month_s: timed VIP1 → VIP2, priced by remaining days, expiry unchanged
+    * - jump_s:          timed VIP1 → permanent VIP2 at a fixed price
+    * - permanent_*:     permanent VIP1 → permanent VIP2 at a fixed price
+    *
+    * package index: 901 permanent, 902 unit, 903 jump
+    *
+    * @param array<string,mixed> $config
+    * @return array<int, array<string,mixed>>
+    */
+    private function build_upgrade_items(int $user_id, int $expires, bool $is_permanent, array $config): array {
         $items = [];
-        $lines = preg_split('/\r\n|\r|\n/', $raw) ?: [];
-        $has_permanent = false;
-        $has_unit = false;
-        $has_jump = false;
+        $now = time();
 
-        foreach ($lines as $line) {
-            $line = trim((string) $line);
-            if ($line === '') {
-                continue;
+        // 月费会员升级月费会员：按剩余天数计价，会员有效期不变（仅提升等级）。
+        if (!$is_permanent && $expires > $now && !empty($config['month_to_month_s'])) {
+            $daily_minor = $this->parse_vip_money_minor((string) ($config['unit_price'] ?? ''));
+            if ($daily_minor > 0) {
+                $remaining = (int) ceil(max(1, ($expires - $now) / DAY_IN_SECONDS));
+                if ($daily_minor <= intdiv(PHP_INT_MAX, $remaining)) {
+                    $price = \AKSRT\Ledger\AssetAmount::decimal_from_minor($remaining * $daily_minor);
+                    $items[] = [
+                        'package_id'         => $this->encode_package_id(2, 902),
+                        'level'              => 2,
+                        'index'              => 902,
+                        'action'             => 'upgrade',
+                        'price'              => $price,
+                        'base_price'         => $price,
+                        'show_price'         => '0.00',
+                        'discount_tag'       => (string) ($config['unit_tag'] ?? ''),
+                        'tag_class'          => (string) ($config['unit_tag_class'] ?? ''),
+                        'days'               => $remaining,
+                        'title'              => sprintf(__('按剩余 %d 天升级', 'aksrt'), $remaining),
+                        'price_label'        => $this->format_cash_label($price),
+                        'show_price_label'   => '',
+                        'days_label'         => sprintf(__('%d 天', 'aksrt'), $remaining),
+                        'cta_label'          => __('立即升级', 'aksrt'),
+                        'is_upgrade_product' => true,
+                        'upgrade_mode'       => 'unit',
+                    ];
+                }
             }
-            $parts = array_map('trim', explode('|', $line));
-            $mode = strtolower((string) ($parts[0] ?? ''));
+        }
 
-            // unit|daily|title — timed VIP1 only.
-            if ($mode === 'unit') {
-                if ($is_permanent || $expires <= time() || $has_unit) {
-                    continue;
-                }
-                $daily_minor = $this->parse_vip_money_minor($parts[1] ?? '');
-                if ($daily_minor <= 0) {
-                    continue;
-                }
-                $remaining = (int) ceil(max(1, ($expires - time()) / DAY_IN_SECONDS));
-                if ($daily_minor > intdiv(PHP_INT_MAX, $remaining)) {
-                    continue;
-                }
-                $price_minor = $remaining * $daily_minor;
+        // 月费会员升级永久会员：固定价格直接转为永久二级会员。
+        if (!$is_permanent && !empty($config['jump_s'])) {
+            $price_minor = $this->parse_vip_money_minor((string) ($config['jump_price'] ?? ''));
+            if ($price_minor > 0) {
                 $price = \AKSRT\Ledger\AssetAmount::decimal_from_minor($price_minor);
-                $title = sanitize_text_field((string) ($parts[2] ?? ''));
-                if ($title === '') {
-                    $title = sprintf(__('按剩余 %d 天升级', 'aksrt'), $remaining);
-                }
-                $items[] = [
-                    'package_id'         => $this->encode_package_id(2, 902),
-                    'level'              => 2,
-                    'index'              => 902,
-                    'action'             => 'upgrade',
-                    'price'              => $price,
-                    'base_price'         => $price,
-                    'show_price'         => '0.00',
-                    'discount_tag'       => __('剩余天数', 'aksrt'),
-                    'days'               => $remaining,
-                    'title'              => $title,
-                    'price_label'        => $this->format_cash_label($price),
-                    'show_price_label'   => '',
-                    'days_label'         => sprintf(__('%d 天', 'aksrt'), $remaining),
-                    'cta_label'          => __('立即升级', 'aksrt'),
-                    'is_upgrade_product' => true,
-                    'upgrade_mode'       => 'unit',
-                ];
-                $has_unit = true;
-                continue;
-            }
-
-            // jump|price|title[|show_price] — timed VIP1 only → permanent VIP2.
-            if ($mode === 'jump') {
-                if ($is_permanent || $has_jump) {
-                    continue;
-                }
-                $price_minor = $this->parse_vip_money_minor($parts[1] ?? '');
-                if ($price_minor <= 0) {
-                    continue;
-                }
-                $price = \AKSRT\Ledger\AssetAmount::decimal_from_minor($price_minor);
-                $title = sanitize_text_field((string) ($parts[2] ?? ''));
-                if ($title === '') {
-                    $title = __('升级为永久会员', 'aksrt');
-                }
-                $show_minor = $this->parse_vip_money_minor($parts[3] ?? '0');
+                $show_minor = $this->parse_vip_money_minor((string) ($config['jump_show_price'] ?? ''));
                 $show = \AKSRT\Ledger\AssetAmount::decimal_from_minor($show_minor);
                 $items[] = [
                     'package_id'         => $this->encode_package_id(2, 903),
@@ -221,9 +86,10 @@ trait VipServicePackages {
                     'price'              => $price,
                     'base_price'         => $price,
                     'show_price'         => $show,
-                    'discount_tag'       => __('永久升级', 'aksrt'),
+                    'discount_tag'       => (string) ($config['jump_tag'] ?? ''),
+                    'tag_class'          => (string) ($config['jump_tag_class'] ?? ''),
                     'days'               => 0,
-                    'title'              => $title,
+                    'title'              => __('升级为永久会员', 'aksrt'),
                     'price_label'        => $this->format_cash_label($price),
                     'show_price_label'   => $show_minor > 0 ? $this->format_cash_label($show) : '',
                     'days_label'         => __('永久', 'aksrt'),
@@ -231,25 +97,15 @@ trait VipServicePackages {
                     'is_upgrade_product' => true,
                     'upgrade_mode'       => 'jump',
                 ];
-                $has_jump = true;
-                continue;
             }
+        }
 
-            // permanent|price|title[|show_price]
-            if ($mode === 'permanent') {
-                if ($has_permanent) {
-                    continue;
-                }
-                $price_minor = $this->parse_vip_money_minor($parts[1] ?? '');
-                if ($price_minor <= 0) {
-                    continue;
-                }
+        // 永久会员升级永久会员。
+        if ($is_permanent) {
+            $price_minor = $this->parse_vip_money_minor((string) ($config['permanent_price'] ?? ''));
+            if ($price_minor > 0) {
                 $price = \AKSRT\Ledger\AssetAmount::decimal_from_minor($price_minor);
-                $title = sanitize_text_field((string) ($parts[2] ?? ''));
-                if ($title === '') {
-                    $title = __('永久会员升级', 'aksrt');
-                }
-                $show_minor = $this->parse_vip_money_minor($parts[3] ?? '0');
+                $show_minor = $this->parse_vip_money_minor((string) ($config['permanent_show_price'] ?? ''));
                 $show = \AKSRT\Ledger\AssetAmount::decimal_from_minor($show_minor);
                 $items[] = [
                     'package_id'         => $this->encode_package_id(2, 901),
@@ -259,9 +115,10 @@ trait VipServicePackages {
                     'price'              => $price,
                     'base_price'         => $price,
                     'show_price'         => $show,
-                    'discount_tag'       => __('升级专享', 'aksrt'),
+                    'discount_tag'       => (string) ($config['permanent_tag'] ?? ''),
+                    'tag_class'          => (string) ($config['permanent_tag_class'] ?? ''),
                     'days'               => 0,
-                    'title'              => $title,
+                    'title'              => __('永久会员升级', 'aksrt'),
                     'price_label'        => $this->format_cash_label($price),
                     'show_price_label'   => $show_minor > 0 ? $this->format_cash_label($show) : '',
                     'days_label'         => __('永久', 'aksrt'),
@@ -269,49 +126,7 @@ trait VipServicePackages {
                     'is_upgrade_product' => true,
                     'upgrade_mode'       => 'permanent',
                 ];
-                $has_permanent = true;
-                continue;
             }
-
-            // fixed: price|days|title
-            $parsed = $this->parse_packages($line);
-            if (empty($parsed[0]) || $has_permanent) {
-                continue;
-            }
-            // For permanent VIP1, only accept days=0 fixed lines as permanent upgrade.
-            if ($is_permanent && (int) $parsed[0]['days'] > 0) {
-                continue;
-            }
-            $pkg = $parsed[0];
-            $items[] = [
-                'package_id'         => $this->encode_package_id(2, 901),
-                'level'              => 2,
-                'index'              => 901,
-                'action'             => 'upgrade',
-                'price'              => (string) $pkg['price'],
-                'base_price'         => (string) $pkg['price'],
-                'show_price'         => '0.00',
-                'discount_tag'       => __('升级专享', 'aksrt'),
-                'days'               => (int) $pkg['days'],
-                'title'              => (string) $pkg['title'],
-                'price_label'        => $this->format_cash_label((string) $pkg['price']),
-                'show_price_label'   => '',
-                'days_label'         => ((int) $pkg['days'] <= 0)
-                    ? __('永久', 'aksrt')
-                    : sprintf(__('%d 天', 'aksrt'), (int) $pkg['days']),
-                'cta_label'          => __('立即升级', 'aksrt'),
-                'is_upgrade_product' => true,
-                'upgrade_mode'       => ((int) $pkg['days'] <= 0) ? 'permanent' : 'fixed',
-            ];
-            $has_permanent = true;
-        }
-
-        // Permanent VIP1 should not see unit/jump.
-        if ($is_permanent) {
-            $items = array_values(array_filter($items, static function ($it) {
-                $m = (string) ($it['upgrade_mode'] ?? '');
-                return in_array($m, ['permanent', 'fixed'], true);
-            }));
         }
 
         return $items;
@@ -320,7 +135,10 @@ trait VipServicePackages {
 
 
     /**
-     * Points exchange packages: level|points|days|title
+     * Points exchange packages from the structured 积分兑换明细 group.
+     *
+     * Each row is points / level / time / unit, where time is the literal
+     * string "Permanent" for a permanent grant (reference theme contract).
      *
      * @param array<string,mixed> $vip
      * @param array<int,mixed>    $levels
@@ -328,47 +146,49 @@ trait VipServicePackages {
      */
     public function get_points_exchange_packages(array $vip, array $levels): array {
         $points_ex = is_array($vip['points_exchange'] ?? null) ? $vip['points_exchange'] : [];
-        $raw = (string) ($points_ex['packages_raw'] ?? '');
+        $rows = isset($points_ex['packages']) && is_array($points_ex['packages']) ? $points_ex['packages'] : [];
         $currency = class_exists('\AKSRT\Settings\Settings') ? \AKSRT\Settings\Settings::get_currency_name() : __('积分', 'aksrt');
         $out = [];
-        $lines = preg_split('/\r\n|\r|\n/', $raw) ?: [];
         $i = 0;
-        foreach ($lines as $line) {
-            $line = trim((string) $line);
-            if ($line === '') {
+        foreach ($rows as $row) {
+            if (!is_array($row)) {
                 continue;
             }
-            $parts = array_map('trim', explode('|', $line));
-            if (count($parts) < 3) {
-                continue;
-            }
-            $lv = (int) ($parts[0] ?? 0);
-            $pts = (int) ($parts[1] ?? 0);
-            $days = (int) ($parts[2] ?? 0);
-            $title = sanitize_text_field((string) ($parts[3] ?? ''));
+            $lv = (int) ($row['level'] ?? 0);
+            $pts = max(0, (int) ($row['points'] ?? 0));
             if ($lv < 1 || $lv > 2 || $pts <= 0) {
                 continue;
             }
             if (empty($levels[$lv]['enabled'])) {
                 continue;
             }
-            $i++;
-            if ($title === '') {
-                $lv_name = (string) ($levels[$lv]['name'] ?? ('VIP' . $lv));
-                $title = $days > 0
-                    ? sprintf(__('%1$s · %2$d天', 'aksrt'), $lv_name, $days)
-                    : sprintf(__('%s · 永久', 'aksrt'), $lv_name);
+            $is_permanent = !empty($row['is_permanent']);
+            $time = max(0, (int) ($row['time'] ?? 0));
+            $unit = ((string) ($row['unit'] ?? 'day')) === 'month' ? 'month' : 'day';
+            $days = $is_permanent ? 0 : max(0, (int) ($row['days'] ?? 0));
+            if (!$is_permanent && $time <= 0) {
+                continue;
             }
+            $i++;
+            $lv_name = (string) ($levels[$lv]['name'] ?? ('VIP' . $lv));
             $out[] = [
-                'package_id'   => 5000 + $i,
-                'level'        => $lv,
-                'index'        => $i,
-                'points'       => $pts,
-                'days'         => max(0, $days),
-                'title'        => $title,
-                'price_label'  => $pts . ' ' . $currency,
-                'days_label'   => $days > 0 ? sprintf(__('%d 天', 'aksrt'), $days) : __('永久', 'aksrt'),
-                'cta_label'    => __('立即兑换', 'aksrt'),
+                'package_id'    => 5000 + $i,
+                'level'         => $lv,
+                'index'         => $i,
+                'points'        => $pts,
+                'days'          => $days,
+                'time'          => $time,
+                'unit'          => $unit,
+                'is_permanent'  => $is_permanent,
+                'title'         => $is_permanent
+                    ? sprintf(__('%s · 永久', 'aksrt'), $lv_name)
+                    : sprintf(__('%1$s · %2$d%3$s', 'aksrt'), $lv_name, $time, $unit === 'month' ? __('个月', 'aksrt') : __('天', 'aksrt')),
+                'price_label'   => $pts . ' ' . $currency,
+                'days_label'    => $is_permanent
+                    ? __('永久', 'aksrt')
+                    : ($unit === 'month' ? sprintf(__('%d 个月', 'aksrt'), $time) : sprintf(__('%d 天', 'aksrt'), $time)),
+                'duration_label' => $is_permanent ? __('永久', 'aksrt') : ($unit === 'month' ? sprintf(__('%d 个月', 'aksrt'), $time) : sprintf(__('%d 天', 'aksrt'), $time)),
+                'cta_label'     => __('立即兑换', 'aksrt'),
             ];
         }
         return $out;
@@ -376,41 +196,18 @@ trait VipServicePackages {
 
 
 
-    /**
-     * Single upgrade product line: price|days|title
-     *
-     * @return array{price:float,days:int,title:string}|null
-     */
-    public function parse_upgrade_product_line(string $raw): ?array {
-        $raw = trim($raw);
-        if ($raw === '') {
-            return null;
-        }
-        $lines = preg_split('/\r\n|\r|\n/', $raw) ?: [];
-        foreach ($lines as $line) {
-            $line = trim((string) $line);
-            if ($line === '' || str_starts_with(strtolower($line), 'unit|')) {
-                continue;
-            }
-            $parsed = $this->parse_packages($line);
-            if (!empty($parsed[0])) {
-                return $parsed[0];
-            }
-        }
-        return null;
-    }
-
-
-
     /**
      * Apply renew discount/reduce to same-level packages.
      *
+     * `customize` reuses the dedicated renew product's own price/show_price/tag,
+     * so the caller passes that row's whole item in as $pkg.
+     *
      * @param array<string,mixed> $renew
      * @param array<string,mixed> $upgrade
-     * @return array{price:string,show_price:string,tag:string}|null
+     * @return array{price:string,show_price:string,tag:string,tag_class:string}|null
      */
     private function apply_action_price(
-        string $base_price,
+        array $pkg,
         string $action,
         array $renew,
         array $upgrade,
@@ -420,6 +217,7 @@ trait VipServicePackages {
         bool $is_permanent,
         int $days
     ): ?array {
+        $base_price = (string) ($pkg['price'] ?? '');
         $base_minor = $this->parse_vip_money_minor($base_price);
         if ($base_minor <= 0) {
             return null;
@@ -434,32 +232,31 @@ trait VipServicePackages {
                 'price' => \AKSRT\Ledger\AssetAmount::decimal_from_minor($base_minor),
                 'show_price' => '0.00',
                 'tag' => '',
+                'tag_class' => '',
             ];
         }
 
         $type = sanitize_key((string) ($renew['price_type'] ?? 'discount'));
+        // discount/reduce 的标签由优惠幅度计算得出，若实际没有优惠则属于虚假折扣。
+        $computed_tag = in_array($type, ['discount', 'reduce'], true);
         $price_minor = $base_minor;
         $show_minor = $base_minor;
         $tag = '';
+        $tag_class = '';
 
         if ($type === 'discount') {
-            $discount = (int) ($renew['discount'] ?? 8);
+            $discount = (float) ($renew['discount'] ?? 8);
             if ($discount <= 0) {
                 $discount = 8;
             }
-            if ($discount <= 10) {
-                $percent = $discount * 10;
-                $price_minor = \AKSRT\Ledger\AssetAmount::percentage($base_minor, $percent);
-                $tag = sprintf(
-                    /* translators: %s: discount like 8 */
-                    __('%s折续费', 'aksrt'),
-                    (string) $discount
-                );
-            } else {
-                $percent = min(100, $discount);
-                $price_minor = \AKSRT\Ledger\AssetAmount::percentage($base_minor, $percent);
-                $tag = sprintf(__('%s%% 续费价', 'aksrt'), (string) (int) $discount);
-            }
+            // 折值：8 = 八折（参考主题 slider 0.1–9.9 语义）。
+            $discount = max(0.1, min(9.9, $discount));
+            $price_minor = \AKSRT\Ledger\AssetAmount::percentage($base_minor, $discount * 10);
+            $tag = sprintf(
+                /* translators: %s: discount like 8 */
+                __('%s折优惠', 'aksrt'),
+                rtrim(rtrim(number_format($discount, 1, '.', ''), '0'), '.') ?: '0'
+            );
         } elseif ($type === 'reduce') {
             $reduce_minor = $this->parse_vip_money_minor($renew['reduce'] ?? '20');
             $price_minor = max(1, $base_minor - $reduce_minor);
@@ -468,6 +265,11 @@ trait VipServicePackages {
                 __('续费立减%s', 'aksrt'),
                 $this->format_cash_label(\AKSRT\Ledger\AssetAmount::decimal_from_minor($reduce_minor))
             );
+        } elseif ($type === 'customize') {
+            // 自定义商品：沿用商品自身的原价、促销标签与标签颜色。
+            $show_minor = $this->parse_vip_money_minor((string) ($pkg['show_price'] ?? ''));
+            $tag = (string) ($pkg['tag'] ?? '');
+            $tag_class = (string) ($pkg['tag_class'] ?? '');
         } else {
             $show_minor = 0;
             $tag = __('续费同价', 'aksrt');
@@ -477,14 +279,18 @@ trait VipServicePackages {
             $price_minor = 1;
         }
         if ($show_minor > 0 && $price_minor >= $show_minor) {
+            // 参考主题契约：原价仅在低于执行价时展示。
             $show_minor = 0;
-            $tag = __('续费', 'aksrt');
+            if ($computed_tag) {
+                $tag = __('续费', 'aksrt');
+            }
         }
 
         return [
             'price' => \AKSRT\Ledger\AssetAmount::decimal_from_minor($price_minor),
             'show_price' => \AKSRT\Ledger\AssetAmount::decimal_from_minor($show_minor > $price_minor ? $show_minor : 0),
             'tag' => $tag,
+            'tag_class' => $tag_class,
         ];
     }
 
diff --git a/src/Content/VipServicePurchase.php b/src/Content/VipServicePurchase.php
index 7bba7cc0..9a2a5338 100644
--- a/src/Content/VipServicePurchase.php
+++ b/src/Content/VipServicePurchase.php
@@ -139,20 +139,30 @@ trait VipServicePurchase {
 
             $name = (string) ($levels[$lv]['name'] ?? ('VIP' . $lv));
             $items = [];
-            $packages = $product_s
-                ? $this->parse_level_products((string) ($levels[$lv]['products_raw'] ?? ''))
-                : [];
+            // 自定义续费商品时按续费商品组计价，否则按会员商品组计价。
+            $level_action = 'pay';
+            if ($level > 0 && $lv === $level) {
+                $level_action = 'renew';
+            } elseif ($level > 0 && $lv > $level) {
+                $level_action = 'upgrade';
+            }
+            $renew_custom = $level_action === 'renew'
+                && sanitize_key((string) ($renew['price_type'] ?? 'discount')) === 'customize';
+            $packages = [];
+            if ($product_s) {
+                $packages = $renew_custom
+                    ? (array) ($levels[$lv]['renew_products'] ?? [])
+                    : (array) ($levels[$lv]['products'] ?? []);
+            }
             foreach ($packages as $idx => $pkg) {
+                if (!is_array($pkg)) {
+                    continue;
+                }
                 $base_price = (string) $pkg['price'];
                 $days = (int) $pkg['days'];
-                $action = 'pay';
-                if ($level > 0 && $lv === $level) {
-                    $action = 'renew';
-                } elseif ($level > 0 && $lv > $level) {
-                    $action = 'upgrade';
-                }
+                $action = $level_action;
 
-                $priced = $this->apply_action_price($base_price, $action, $renew, $upgrade, $lv, $level, $expires, $is_permanent, $days);
+                $priced = $this->apply_action_price($pkg, $action, $renew, $upgrade, $lv, $level, $expires, $is_permanent, $days);
                 if ($priced === null) {
                     continue;
                 }
@@ -167,6 +177,10 @@ trait VipServicePurchase {
                 if ($discount_tag === '' && $action === 'pay' && !empty($pkg['tag'])) {
                     $discount_tag = (string) $pkg['tag'];
                 }
+                $tag_class = (string) ($priced['tag_class'] ?? '');
+                if ($tag_class === '' && !empty($pkg['tag_class'])) {
+                    $tag_class = (string) $pkg['tag_class'];
+                }
 
                 $days_label = __('永久', 'aksrt');
                 if ((int) $pkg['time'] > 0) {
@@ -184,10 +198,10 @@ trait VipServicePurchase {
                     'base_price'       => $base_price,
                     'show_price'       => $show_price,
                     'discount_tag'     => $discount_tag,
+                    'tag_class'        => $tag_class,
                     'days'             => $days,
                     'time'             => (int) ($pkg['time'] ?? 0),
                     'unit'             => (string) ($pkg['unit'] ?? 'day'),
-                    'title'            => (string) $pkg['title'],
                     'price_label'      => $this->format_cash_label((string) $priced['price']),
                     'show_price_label' => $show_minor > 0
                         ? $this->format_cash_label($show_price)
@@ -201,7 +215,7 @@ trait VipServicePurchase {
 
             // Dedicated upgrade product: fixed or remaining-days unit price.
             if ($level === 1 && $lv === 2 && $upgrade_enabled) {
-                $upgrade_items = $this->build_upgrade_items($user_id, $expires, $is_permanent, (string) ($upgrade['product'] ?? ''));
+                $upgrade_items = $this->build_upgrade_items($user_id, $expires, $is_permanent, $upgrade);
                 foreach ($upgrade_items as $ui) {
                     $items[] = $ui;
                 }
@@ -441,11 +455,12 @@ trait VipServicePurchase {
             'note' => is_string($note) ? $note : '',
             'expires_at' => $expires_at,
             'subject' => sprintf(
-                /* translators: 1: action 2: vip name 3: package title */
-                __('%1$s%2$s · %3$s', 'aksrt'),
+                /* translators: 1: action 2: vip name 3: price label 4: duration label */
+                __('%1$s%2$s · %3$s / %4$s', 'aksrt'),
                 $action_label,
                 $level_name,
-                (string) ($pkg['title'] ?? '')
+                (string) ($pkg['price_label'] ?? ''),
+                (string) ($pkg['days_label'] ?? '')
             ),
         ];
 
@@ -757,6 +772,11 @@ trait VipServicePurchase {
         $cost = (int) ($match['points'] ?? 0);
         $level = (int) ($match['level'] ?? 1);
         $days = (int) ($match['days'] ?? 0);
+        $pkg_time = max(0, (int) ($match['time'] ?? 0));
+        $pkg_unit = sanitize_key((string) ($match['unit'] ?? 'day'));
+        if (!in_array($pkg_unit, ['day', 'month'], true)) {
+            $pkg_unit = 'day';
+        }
         if ($cost <= 0) {
             return new \WP_Error('aksrt_invalid_price', __('兑换积分无效', 'aksrt'), ['status' => 400]);
         }
@@ -779,6 +799,8 @@ trait VipServicePurchase {
             'vip_pay_type' => 'points_exchange',
             'level' => $level,
             'days' => $days,
+            'time' => $pkg_time,
+            'unit' => $pkg_unit,
             'points' => $cost,
             'package_id' => $package_id,
             'package_title' => (string) ($match['title'] ?? ''),
diff --git a/src/Settings/HomeCms.php b/src/Settings/HomeCms.php
index 61d8e903..edc8414d 100644
--- a/src/Settings/HomeCms.php
+++ b/src/Settings/HomeCms.php
@@ -210,42 +210,6 @@ class HomeCms {
         return $settings['home_exclude_cats'];
     }
 
-    public static function get_paid_content_settings(): array {
-        return PaymentRuntime::get_paid_content_settings();
-    }
-
-    public static function get_content_coupon_settings(): array {
-        return PaymentRuntime::get_content_coupon_settings();
-    }
-
-    public static function get_payment_recharge_settings(): array {
-        return PaymentRuntime::get_payment_recharge_settings();
-    }
-
-    public static function get_payment_vip_settings(): array {
-        return PaymentRuntime::get_payment_vip_settings();
-    }
-
-    public static function get_payment_revenue_settings(): array {
-        return PaymentRuntime::get_payment_revenue_settings();
-    }
-
-    public static function get_payment_affiliate_settings(): array {
-        return PaymentRuntime::get_payment_affiliate_settings();
-    }
-
-    public static function get_payment_gateway_settings(): array {
-        return PaymentRuntime::get_payment_gateway_settings();
-    }
-
-    public static function get_order_settings(): array {
-        return PaymentRuntime::get_order_settings();
-    }
-
-    public static function get_withdrawal_settings(): array {
-        return PaymentRuntime::get_withdrawal_settings();
-    }
-
     private static function normalize_sort_options(array $raw): array {
         $allowed = self::homepage_allowed_sorts();
         $result = [];
diff --git a/src/Settings/PaymentRuntime.php b/src/Settings/PaymentRuntime.php
index 3f083e25..c1eb33f7 100644
--- a/src/Settings/PaymentRuntime.php
+++ b/src/Settings/PaymentRuntime.php
@@ -182,22 +182,10 @@ class PaymentRuntime {
         $badge = $vip2_enabled ? $name2 : ($vip1_enabled ? $name1 : __('VIP', 'aksrt'));
 
         $renew_price_type = sanitize_key((string) ($settings['vip_renew_price_type'] ?? 'discount'));
-        if (!in_array($renew_price_type, ['same', 'discount', 'reduce'], true)) {
+		if (!in_array($renew_price_type, ['same', 'discount', 'reduce', 'customize'], true)) {
             $renew_price_type = 'discount';
         }
 
-        $default_l1 = "30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡";
-        $default_l2 = "58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡";
-        $products_1 = sanitize_textarea_field((string) ($settings['payment_vip_1_products'] ?? $default_l1));
-        $products_2 = sanitize_textarea_field((string) ($settings['payment_vip_2_products'] ?? $default_l2));
-        // Restore newlines lost only if empty after sanitize — sanitize_textarea_field keeps \n.
-        if (trim($products_1) === '') {
-            $products_1 = $default_l1;
-        }
-        if (trim($products_2) === '') {
-            $products_2 = $default_l2;
-        }
-
         $desc = sanitize_text_field((string) ($settings['pay_user_vip_desc'] ?? __('开通VIP会员，享受会员专属折扣以及多项特权', 'aksrt')));
         $more = (string) ($settings['pay_user_vip_more'] ?? '<div>购买后不支持退款</div><div>VIP权益仅适用于本站</div><div>欢迎与站长联系</div>');
         $allowed_equity = [
@@ -231,7 +219,8 @@ class PaymentRuntime {
                     'equity'         => wp_kses((string) (($settings['pay_user_vip_1_equity'] ?? '') !== '' ? $settings['pay_user_vip_1_equity'] : '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>'), $allowed_equity),
                     'img_icon'       => self::get_vip_icon_url(1, (string) ($settings['vip_1_img_icon'] ?? '')),
                     'product_s'      => !isset($settings['vip_1_product_s']) || !empty($settings['vip_1_product_s']),
-                    'products_raw'   => $products_1,
+				'products'       => self::normalize_vip_product_items($settings['vip_1_product'] ?? null, self::vip_product_defaults()),
+				'renew_products' => self::normalize_vip_product_items($settings['vip_1_renew_product'] ?? null, self::vip_renew_product_defaults(1)),
                     'download_limit' => max(0, min(9999, (int) ($settings['pay_download_limit_vip_1'] ?? 0))),
                 ],
                 2 => [
@@ -241,7 +230,8 @@ class PaymentRuntime {
                     'equity'         => wp_kses((string) (($settings['pay_user_vip_2_equity'] ?? '') !== '' ? $settings['pay_user_vip_2_equity'] : '<li>全站资源折扣购买</li><li>部分内容免费阅读</li><li>一对一技术指导</li><li>VIP用户专属QQ群</li>'), $allowed_equity),
                     'img_icon'       => self::get_vip_icon_url(2, (string) ($settings['vip_2_img_icon'] ?? '')),
                     'product_s'      => !isset($settings['vip_2_product_s']) || !empty($settings['vip_2_product_s']),
-                    'products_raw'   => $products_2,
+				'products'       => self::normalize_vip_product_items($settings['vip_2_product'] ?? null, self::vip_product_defaults()),
+				'renew_products' => self::normalize_vip_product_items($settings['vip_2_renew_product'] ?? null, self::vip_renew_product_defaults(2)),
                     'download_limit' => max(0, min(9999, (int) ($settings['pay_download_limit_vip_2'] ?? 0))),
                 ],
             ],
@@ -250,19 +240,16 @@ class PaymentRuntime {
             ],
             'renew'         => [
                 'enabled'    => !isset($settings['vip_renew']) || !empty($settings['vip_renew']),
+                'desc'       => sanitize_text_field((string) ($settings['vip_renew_desc'] ?? '立即续费会员，畅享VIP权益')),
                 'price_type' => $renew_price_type,
-                'discount'   => max(1, min(100, (int) ($settings['vip_renew_discount'] ?? 8))),
-                'reduce'     => self::money_decimal($settings['vip_renew_reduce'] ?? '20.00', '20.00', 999900),
-            ],
-            'upgrade'       => [
-                'enabled' => !isset($settings['vip_upgrade']) || !empty($settings['vip_upgrade']),
-                // Multi-line upgrade product rules — must not collapse newlines.
-                'product' => sanitize_textarea_field((string) ($settings['vip_upgrade_product'] ?? '')),
+                'discount'   => max(0.1, min(9.9, (float) ($settings['vip_renew_discount'] ?? 8))),
+                'reduce'     => self::money_decimal($settings['vip_renew_reduce'] ?? '20.00', '20.00', 50000),
             ],
+            'upgrade'       => self::normalize_vip_upgrade_settings($settings),
             'points_exchange' => [
                 'enabled'      => !empty($settings['pay_vip_points_exchange_s']),
                 'desc'         => wp_kses_post((string) ($settings['pay_vip_points_exchange_desc'] ?? '')),
-                'packages_raw' => sanitize_textarea_field((string) ($settings['payment_vip_points_packages'] ?? "1|500|30|积分月卡\n1|5000|0|积分永久")),
+                'packages'     => self::normalize_vip_points_packages($settings['pay_vip_points_exchange_product'] ?? null),
             ],
         ];
     }
@@ -729,4 +716,185 @@ class PaymentRuntime {
         }
         return implode("\n", $lines);
     }
+
+	/**
+	 * Approximate days for catalog labels / order meta; activation prefers
+	 * calendar time+unit math.
+	 */
+	private static function duration_to_days(int $time, string $unit = 'day'): int {
+		if ($time <= 0) {
+			return 0;
+		}
+		return $unit === 'month' ? $time * 30 : $time;
+	}
+
+	/**
+	 * 会员商品默认两行（参考主题 vip_tab 的 group 默认值）。
+	 *
+	 * @return array<int,array<string,mixed>>
+	 */
+	private static function vip_product_defaults(): array {
+		return [
+			['price' => '99.00', 'show_price' => '199.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', 'time' => 3, 'unit' => 'month'],
+			['price' => '199.00', 'show_price' => '299.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', 'time' => 6, 'unit' => 'month'],
+		];
+	}
+
+	/**
+	 * @return array<int,array<string,mixed>>
+	 */
+	private static function vip_renew_product_defaults(int $level): array {
+		if ($level === 2) {
+			return [
+				['price' => '269.00', 'show_price' => '599.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', 'time' => 3, 'unit' => 'month'],
+				['price' => '369.00', 'show_price' => '899.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', 'time' => 6, 'unit' => 'month'],
+			];
+		}
+		return [
+			['price' => '69.00', 'show_price' => '199.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', 'time' => 3, 'unit' => 'month'],
+			['price' => '169.00', 'show_price' => '299.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', 'time' => 6, 'unit' => 'month'],
+		];
+	}
+
+	/**
+	 * 标签颜色可选值（参考主题 zib_palette(array(), array('b','jb'))）。
+	 *
+	 * @return array<int,string>
+	 */
+	private static function vip_tag_palette_keys(): array {
+		return ['b-red', 'b-yellow', 'b-cyan', 'b-blue', 'b-green', 'b-purple', 'b-black', 'jb-red', 'jb-pink', 'jb-yellow', 'jb-cyan', 'jb-blue', 'jb-green', 'jb-purple', 'jb-vip1', 'jb-vip2'];
+	}
+
+	/**
+	 * Normalize a structured 会员商品 group into purchasable rows.
+	 *
+	 * @param mixed                        $raw      Stored group value.
+	 * @param array<int,array<string,mixed>> $fallback Default rows when unset.
+	 * @return array<int,array{price:string,show_price:string,tag:string,tag_class:string,time:int,unit:string,days:int}>
+	 */
+	private static function normalize_vip_product_items($raw, array $fallback): array {
+		$rows = is_array($raw) ? array_values($raw) : [];
+		if ($rows === []) {
+			$rows = $fallback;
+		}
+		$palette = self::vip_tag_palette_keys();
+		$out = [];
+		foreach ($rows as $row) {
+			if (!is_array($row)) {
+				continue;
+			}
+			$price = self::money_decimal($row['price'] ?? '', '0.00');
+			if (bccomp($price, '0.00', 2) <= 0) {
+				continue;
+			}
+			$time = max(0, (int) ($row['time'] ?? 0));
+			$unit = ((string) ($row['unit'] ?? 'month')) === 'day' ? 'day' : 'month';
+			$tag_class = (string) ($row['tag_class'] ?? '');
+			if (!in_array($tag_class, $palette, true)) {
+				$tag_class = '';
+			}
+			$out[] = [
+				'price'      => $price,
+				'show_price' => self::money_decimal($row['show_price'] ?? '', '0.00'),
+				'tag'        => wp_kses_post((string) ($row['tag'] ?? '')),
+				'tag_class'  => $tag_class,
+				'time'       => $time,
+				'unit'       => $unit,
+				'days'       => self::duration_to_days($time, $unit),
+			];
+		}
+		return $out;
+	}
+
+	/**
+	 * Normalize the structured 升级价格 accordion.
+	 *
+	 * @param array<string,mixed> $settings
+	 * @return array<string,mixed>
+	 */
+	private static function normalize_vip_upgrade_settings(array $settings): array {
+		$raw = isset($settings['vip_upgrade_product']) && is_array($settings['vip_upgrade_product'])
+			? $settings['vip_upgrade_product']
+			: [];
+		$palette = self::vip_tag_palette_keys();
+		$money = static function ($value, string $default): string {
+			return self::money_decimal(is_string($value) ? $value : (is_numeric($value) ? (string) $value : ''), $default);
+		};
+		$tag = static function ($value, string $default): string {
+			$text = trim((string) $value);
+			return $text !== '' ? wp_kses_post($text) : $default;
+		};
+		$tag_class = static function ($value) use ($palette): string {
+			$key = (string) $value;
+			return in_array($key, $palette, true) ? $key : '';
+		};
+		$switch = static function ($value, bool $default): bool {
+			return isset($value) ? !empty($value) : $default;
+		};
+
+		return [
+			'enabled'             => !isset($settings['vip_upgrade']) || !empty($settings['vip_upgrade']),
+			'desc'                => sanitize_text_field((string) ($settings['vip_upgrade_desc'] ?? '升级VIP会员，享更多会员权益')),
+			'month_to_month_s'    => $switch($raw['month_to_month_s'] ?? null, true),
+			'unit_price'          => $money($raw['unit_price'] ?? null, '10.00'),
+			'unit_tag'            => $tag($raw['unit_tag'] ?? null, '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐'),
+			'unit_tag_class'      => $tag_class($raw['unit_tag_class'] ?? 'jb-yellow'),
+			'jump_s'              => $switch($raw['jump_s'] ?? null, false),
+			'jump_price'          => $money($raw['jump_price'] ?? null, '199.00'),
+			'jump_show_price'     => $money($raw['jump_show_price'] ?? null, '299.00'),
+			'jump_tag'            => $tag($raw['jump_tag'] ?? null, '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠'),
+			'jump_tag_class'      => $tag_class($raw['jump_tag_class'] ?? 'jb-red'),
+			'permanent_price'     => $money($raw['permanent_price'] ?? null, '199.00'),
+			'permanent_show_price' => $money($raw['permanent_show_price'] ?? null, '299.00'),
+			'permanent_tag'       => $tag($raw['permanent_tag'] ?? null, '<i class="fa fas fa-fw fa-bolt"></i> 升级特惠'),
+			'permanent_tag_class' => $tag_class($raw['permanent_tag_class'] ?? 'jb-red'),
+		];
+	}
+
+	/**
+	 * 积分兑换明细默认行（对齐旧 textarea 的开箱配置）。
+	 *
+	 * @return array<int,array<string,mixed>>
+	 */
+	private static function vip_points_package_defaults(): array {
+		return [
+			['points' => 500, 'level' => 1, 'time' => 30, 'unit' => 'day'],
+			['points' => 5000, 'level' => 1, 'time' => 'Permanent'],
+		];
+	}
+
+	/**
+	 * Normalize the structured 积分兑换明细 group. `time` is the literal string
+	 * "Permanent" for a permanent grant, otherwise a day/month count.
+	 *
+	 * @param mixed $raw
+	 * @return array<int,array{points:int,level:int,time:int,unit:string,is_permanent:bool,days:int}>
+	 */
+	private static function normalize_vip_points_packages($raw): array {
+		$rows = is_array($raw) ? array_values($raw) : self::vip_points_package_defaults();
+		$out = [];
+		foreach ($rows as $row) {
+			if (!is_array($row)) {
+				continue;
+			}
+			$points = max(0, (int) ($row['points'] ?? 0));
+			$level = (int) ($row['level'] ?? 1);
+			$time_raw = trim((string) ($row['time'] ?? ''));
+			if ($points <= 0 || $level < 1 || $level > 2 || $time_raw === '') {
+				continue;
+			}
+			$is_permanent = strcasecmp($time_raw, 'Permanent') === 0;
+			$time = $is_permanent ? 0 : max(0, (int) $time_raw);
+			$unit = ((string) ($row['unit'] ?? 'day')) === 'month' ? 'month' : 'day';
+			$out[] = [
+				'points'       => $points,
+				'level'        => $level,
+				'time'         => $time,
+				'unit'         => $unit,
+				'is_permanent' => $is_permanent,
+				'days'         => $is_permanent ? 0 : self::duration_to_days($time, $unit),
+			];
+		}
+		return $out;
+	}
 }
diff --git a/tests/widget-system/vip-modal-copy-fields.test.cjs b/tests/widget-system/vip-modal-copy-fields.test.cjs
index 7614a95b..bfd2feba 100644
--- a/tests/widget-system/vip-modal-copy-fields.test.cjs
+++ b/tests/widget-system/vip-modal-copy-fields.test.cjs
@@ -10,8 +10,9 @@
  *    会员介绍与开通会员更多内容默认值），SPA schema / PHP schema /
  *    PaymentRuntime 回退三处一致——Settings::get_all() 不合并
  *    schema 默认值，运行时回退即实际默认值；
- * 3) vip_renew_desc / vip_upgrade_desc 为死配置（AKSRT 无续费/升级
- *    卡渲染面，全仓零消费方），两份 schema 与 PaymentRuntime 均已删除；
+ * 3) vip_renew_desc / vip_upgrade_desc 为参考主题的一句话简介字段，
+ *    两份 schema 与 PaymentRuntime 均已定义，并由用户中心 /user/vip/
+ *    档位卡渲染消费（vip-tab.php 按续费/升级动作取对应简介）；
  * 4) 权益与卡密说明字段保存时保留 HTML（sanitize_type html），
  *    不再被 sanitize_textarea_field 剥掉标签。
  */
@@ -85,6 +86,18 @@ test('两个文案字段位于分区末尾的界面文案分组且不再属于
   // 「会员等级」组不再包含这两个字段。
   assert.doesNotMatch(slice(vipSchemaJs, "key: 'basic'", "key: 'benefit'"), /pay_user_vip_desc|pay_user_vip_more/);
   assert.doesNotMatch(slice(schemaPhp, "'key' => 'basic'", "'key' => 'benefit'"), /pay_user_vip_desc|pay_user_vip_more/);
+  // 「会员等级」组只留导航按钮与两个等级开关；等级身份字段全部搬进
+  // 「会员购买选项」的等级 Tab（名称/简介/权益/图标）。
+  const basicJs = slice(vipSchemaJs, "key: 'basic'", "key: 'benefit'");
+  const basicPhp = slice(schemaPhp, "'key' => 'basic'", "'key' => 'benefit'");
+  for (const key of ['pay_user_vip_1_name', 'pay_user_vip_2_name', 'pay_user_vip_1_desc', 'pay_user_vip_2_desc', 'vip_1_img_icon', 'vip_2_img_icon']) {
+    assert.ok(!basicJs.includes(key), `vip.js 会员等级组不应再含 ${key}`);
+    assert.ok(!basicPhp.includes(key), `SchemaPayment.php 会员等级组不应再含 ${key}`);
+  }
+  assert.ok(basicJs.includes('pay_user_vip_1_s') && basicJs.includes('pay_user_vip_2_s'), 'vip.js 会员等级组应保留两个等级开关');
+  assert.ok(basicPhp.includes("'key' => 'pay_user_vip_1_s'") && basicPhp.includes("'key' => 'pay_user_vip_2_s'"), 'SchemaPayment.php 会员等级组应保留两个等级开关');
+  // 二级会员先于一级会员开启时的危险提示（参考主题同款）。
+  assert.ok(basicJs.includes('vip_level_order_notice') && basicPhp.includes('vip_level_order_notice'));
   // 依赖：任一等级启用时显示（zibll pay_user_vip_1_s 依赖的双等级适配）。
   assert.ok(
     vipSchemaJs.includes("dependsOn: { any: [{ key: 'pay_user_vip_1_s', value: true }, { key: 'pay_user_vip_2_s', value: true }] }"),
@@ -96,11 +109,19 @@ test('两个文案字段位于分区末尾的界面文案分组且不再属于
   );
 });
 
-test('续费/升级说明死配置已从两份 schema 与运行时删除', () => {
-  for (const [name, src] of [['vip.js', vipSchemaJs], ['SchemaPayment.php', schemaPhp], ['PaymentRuntime.php', paymentRuntime]]) {
-    assert.ok(!src.includes('vip_renew_desc'), `${name} 不应再含 vip_renew_desc`);
-    assert.ok(!src.includes('vip_upgrade_desc'), `${name} 不应再含 vip_upgrade_desc`);
+test('续费/升级介绍字段存在且被档位卡消费', () => {
+  for (const [name, src] of [['vip.js', vipSchemaJs], ['SchemaPayment.php', schemaPhp]]) {
+    assert.ok(src.includes('vip_renew_desc'), `${name} 应含 vip_renew_desc`);
+    assert.ok(src.includes('vip_upgrade_desc'), `${name} 应含 vip_upgrade_desc`);
   }
+  // 运行时回退默认值（get_all 不合并 schema 默认值，回退即实际默认值）。
+  assert.ok(paymentRuntime.includes("$settings['vip_renew_desc'] ?? '立即续费会员，畅享VIP权益'"));
+  assert.ok(paymentRuntime.includes("$settings['vip_upgrade_desc'] ?? '升级VIP会员，享更多会员权益'"));
+  // 消费方：/user/vip/ 档位卡按动作取续费/升级简介，不得回退成死配置。
+  assert.ok(vipTabPhp.includes("$vip_settings['renew']['desc']"));
+  assert.ok(vipTabPhp.includes("$vip_settings['upgrade']['desc']"));
+  assert.match(vipTabPhp, /\$card_action = 'renew'/);
+  assert.match(vipTabPhp, /\$card_action = 'upgrade'/);
 });
 
 test('文案默认值三处一致并对齐 zibll', () => {
@@ -111,10 +132,12 @@ test('文案默认值三处一致并对齐 zibll', () => {
   assert.ok(vipSchemaJs.includes("pay_user_vip_2_desc: '尊享专属特权'"));
   assert.ok(vipSchemaJs.includes(`pay_user_vip_desc: '${DESC_DEFAULT}'`));
   assert.ok(vipSchemaJs.includes(`pay_user_vip_more: '${MORE_DEFAULT}'`));
-  assert.ok(vipSchemaJs.includes(`default: '${EQUITY_DEFAULT}'`));
+  // 权益默认值收敛为常量，两份 schema 与运行时共用同一份字面量。
+  assert.ok(vipSchemaJs.includes(`const VIP_EQUITY_DEFAULT = '${EQUITY_DEFAULT}'`));
+  assert.ok(vipSchemaJs.includes('default: VIP_EQUITY_DEFAULT'));
   // PHP schema 字段 default。
-  assert.ok(schemaPhp.includes("'default' => '黄金会员'"));
-  assert.ok(schemaPhp.includes("'default' => '钻石会员'"));
+  assert.ok(schemaPhp.includes("'default' => $level === 1 ? '黄金会员' : '钻石会员'"));
+  assert.ok(schemaPhp.includes(EQUITY_DEFAULT));
   assert.ok(schemaPhp.includes(`'default' => '${DESC_DEFAULT}'`));
   assert.ok(schemaPhp.includes(`'default' => '${MORE_DEFAULT}'`));
   // PaymentRuntime 运行时回退（get_all 不合并 schema 默认值，回退即实际默认值）。
@@ -132,10 +155,9 @@ test('文案默认值三处一致并对齐 zibll', () => {
 });
 
 test('权益与卡密说明字段保存时保留 HTML', () => {
-  assert.ok(vipSchemaJs.includes("key: 'pay_user_vip_1_equity', label: '一级会员权益 HTML', type: 'textarea', sanitize_type: 'html'"));
-  assert.ok(vipSchemaJs.includes("key: 'pay_user_vip_2_equity', label: '二级会员权益 HTML', type: 'textarea', sanitize_type: 'html'"));
-  assert.ok(schemaPhp.includes("'key' => 'pay_user_vip_1_equity', 'label' => '一级会员权益 HTML', 'type' => 'textarea', 'sanitize_type' => 'html'"));
-  assert.ok(schemaPhp.includes("'key' => 'pay_user_vip_2_equity', 'label' => '二级会员权益 HTML', 'type' => 'textarea', 'sanitize_type' => 'html'"));
+  // 权益字段已并入「会员购买选项」的等级 Tab，标签统一为「会员权益 HTML」。
+  assert.ok(vipSchemaJs.includes("key: `pay_user_vip_${level}_equity`, label: '会员权益 HTML', type: 'textarea', sanitize_type: 'html'"));
+  assert.ok(schemaPhp.includes("['key' => 'pay_user_vip_' . $level . '_equity', 'label' => '会员权益 HTML', 'type' => 'textarea', 'sanitize_type' => 'html'"));
   assert.ok(rechargeJs.includes("key: 'pay_vip_pass_charge_desc', label: '卡密兑换会员说明', type: 'textarea', sanitize_type: 'html'"));
   assert.ok(schemaPhp.includes("'key' => 'pay_vip_pass_charge_desc', 'label' => '卡密兑换会员说明', 'type' => 'textarea', 'sanitize_type' => 'html'"));
 });
diff --git a/tests/widget-system/vip-settings-structured-contract.test.cjs b/tests/widget-system/vip-settings-structured-contract.test.cjs
new file mode 100644
index 00000000..c72db2dd
--- /dev/null
+++ b/tests/widget-system/vip-settings-structured-contract.test.cjs
@@ -0,0 +1,369 @@
+/**
+ * VIP 后台设置结构化契约（对照参考主题 zibll 1:1）。
+ *
+ * 硬约束：
+ * 1) 会员商品 / 续费商品 / 升级价格 / 积分兑换明细全部为结构化 group 或
+ *    accordion，`|` 分隔的 textarea 配置已彻底移除（不写双路/迁移）；
+ * 2) 「会员等级」组只留导航按钮与两个等级开关，等级身份字段（显示名称/
+ *    简介/权益HTML/图标URL）与「会员商品」同处「会员购买选项」的等级 Tab；
+ * 3) 会员商品字段集恰好 6 项：执行价/原价/促销标签/标签颜色/会员有效时间/
+ *    时长单位；标签颜色为参考主题 b+jb 全量 16 色；
+ * 4) 续费价格类型含「自定义商品」，升级价格为参考主题同款三块 accordion；
+ * 5) tag_class 一路透传到前端套餐卡；等级 Tab 标题由显示名称动态驱动。
+ */
+const test = require('node:test');
+const assert = require('node:assert');
+const fs = require('node:fs');
+const path = require('node:path');
+const { pathToFileURL } = require('node:url');
+const { execFileSync } = require('node:child_process');
+
+const root = path.join(__dirname, '..', '..');
+const read = (...seg) => fs.readFileSync(path.join(root, ...seg), 'utf8');
+
+const vipSchemaJs = read('assets', 'admin', 'src', 'schema', 'sections', 'payment', 'vip.js');
+const schemaPhp = read('src', 'Admin', 'Schema', 'SchemaPayment.php');
+const paymentRuntime = read('src', 'Settings', 'PaymentRuntime.php');
+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 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');
+
+const TAG_PALETTE = [
+  'b-red', 'b-yellow', 'b-cyan', 'b-blue', 'b-green', 'b-purple', 'b-black',
+  'jb-red', 'jb-pink', 'jb-yellow', 'jb-cyan', 'jb-blue', 'jb-green', 'jb-purple',
+  'jb-vip1', 'jb-vip2',
+];
+const PRODUCT_FIELDS = ['price', 'show_price', 'tag', 'tag_class', 'time', 'unit'];
+const UPGRADE_FIELDS = [
+  'month_to_month_s', 'unit_price', 'unit_tag', 'unit_tag_class',
+  'jump_s', 'jump_price', 'jump_show_price', 'jump_tag', 'jump_tag_class',
+  'permanent_price', 'permanent_show_price', 'permanent_tag', 'permanent_tag_class',
+];
+const LEGACY_KEYS = [
+  'payment_vip_1_products',
+  'payment_vip_2_products',
+  'payment_vip_points_packages',
+];
+
+function runHarness() {
+  const out = execFileSync(process.env.PHP_BINARY || 'php', [
+    path.join(__dirname, 'vip-settings-structured-harness.php'),
+  ], { encoding: 'utf8', maxBuffer: 32 * 1024 * 1024 });
+  return JSON.parse(out);
+}
+
+// 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');
+  assert.notStrictEqual(start, -1, 'missing get_payment_vip_settings');
+  const end = paymentRuntime.indexOf('public static function get_payment_revenue_settings', start);
+  return paymentRuntime.slice(start, end === -1 ? undefined : end);
+}
+
+let harness;
+test('PHP harness 可执行并产出结构化设置', () => {
+  harness = runHarness();
+  assert.ok(harness && harness.schema && harness.runtime, 'harness 输出不完整');
+});
+
+test('旧 `|` 分隔配置键已从两份 schema 与运行时彻底移除', () => {
+  for (const [name, src] of [['vip.js', vipSchemaJs], ['SchemaPayment.php', schemaPhp], ['PaymentRuntime.php', paymentRuntime]]) {
+    for (const key of LEGACY_KEYS) {
+      assert.ok(!src.includes(key), `${name} 不应再含 ${key}`);
+    }
+  }
+  // 运行时不再暴露任何 *_raw 原始字符串。
+  const vipRuntime = vipSettingsSlice();
+  for (const key of ['products_raw', 'packages_raw']) {
+    assert.ok(!vipRuntime.includes(`'${key}'`), `PaymentRuntime VIP 设置不应再产出 ${key}`);
+  }
+  assert.ok(!vipRuntime.includes("'product' => sanitize_textarea_field"), 'upgrade.product 管道配置应已移除');
+  for (const key of LEGACY_KEYS) {
+    assert.ok(!vipRuntime.includes(key), `PaymentRuntime VIP 设置不应再读 ${key}`);
+  }
+});
+
+test('会员等级组只留导航按钮与等级开关，身份字段搬进等级 Tab', () => {
+  const basic = harness.schema.basic_field_keys;
+  assert.deepStrictEqual(basic, [
+    'nav_pay_vip', 'nav_user_pay_vip', 'pay_user_vip_1_s', 'vip_level_order_notice', 'pay_user_vip_2_s',
+  ]);
+  const tabs = harness.schema.opt_tabs;
+  assert.deepStrictEqual(Object.keys(tabs), ['vip1', 'vip2', 'renew', 'upgrade']);
+  for (const level of [1, 2]) {
+    const fields = Object.keys(tabs[`vip${level}`].fields);
+    assert.deepStrictEqual(fields, [
+      `pay_user_vip_${level}_name`,
+      `pay_user_vip_${level}_desc`,
+      `pay_user_vip_${level}_equity`,
+      `vip_${level}_product_s`,
+      `vip_${level}_product`,
+      `vip_${level}_img_icon`,
+    ]);
+    assert.strictEqual(tabs[`vip${level}`].fields[`vip_${level}_img_icon`].type, 'upload');
+  }
+});
+
+test('等级 Tab 标题由显示名称动态驱动', () => {
+  for (const level of [1, 2]) {
+    const tab = harness.schema.opt_tabs[`vip${level}`];
+    assert.strictEqual(tab.titleKey, `pay_user_vip_${level}_name`);
+    assert.strictEqual(tab.titleFallback, level === 1 ? '一级会员' : '二级会员');
+  }
+  // 会员权益的两个等级 Tab 同样动态。
+  assert.strictEqual(harness.schema.benefit_tabs.vip1.titleKey, 'pay_user_vip_1_name');
+  assert.strictEqual(harness.schema.benefit_tabs.vip2.titleKey, 'pay_user_vip_2_name');
+  // 渲染器支持 titleKey / titleFallback。
+  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/);
+});
+
+test('会员商品字段集恰好 6 项且标签颜色为参考主题 16 色', () => {
+  const group = harness.schema.opt_tabs.vip1.fields.vip_1_product;
+  assert.strictEqual(group.type, 'group');
+  assert.strictEqual(group.max, 8);
+  assert.strictEqual(group.button_title, '添加会员商品');
+  assert.deepStrictEqual(
+    group.fields.filter((f) => !f.ui_only).map((f) => f.key),
+    PRODUCT_FIELDS
+  );
+  assert.strictEqual(group.fields.find((f) => f.key === 'price').sanitize_type, 'money_decimal');
+  assert.strictEqual(group.fields.find((f) => f.key === 'show_price').sanitize_type, 'money_decimal');
+  assert.strictEqual(group.fields.find((f) => f.key === 'time').type, 'spinner');
+  assert.strictEqual(group.fields.find((f) => f.key === 'time').max, 3600);
+  assert.deepStrictEqual(
+    group.fields.find((f) => f.key === 'unit').options.map((o) => o.value),
+    ['day', 'month']
+  );
+  const palette = group.fields.find((f) => f.key === 'tag_class');
+  assert.strictEqual(palette.type, 'palette');
+  assert.strictEqual(palette.default, 'jb-yellow');
+  assert.deepStrictEqual(palette.options.map((o) => o.value), TAG_PALETTE);
+  // 标签颜色仅在填写了促销标签时出现。
+  assert.deepStrictEqual(palette.dependsOn, { key: 'tag', operator: 'not_empty' });
+  // 时长单位在 time 为 0（永久）时隐藏。
+  assert.deepStrictEqual(group.fields.find((f) => f.key === 'unit').dependsOn, { key: 'time', operator: 'truthy' });
+  // 二级会员 Tab 复用同一字段集。
+  assert.deepStrictEqual(
+    harness.schema.opt_tabs.vip2.fields.vip_2_product.fields.filter((f) => !f.ui_only).map((f) => f.key),
+    PRODUCT_FIELDS
+  );
+});
+
+test('续费价格类型含自定义商品，折扣为折值滑块', () => {
+  const renew = harness.schema.opt_tabs.renew.fields;
+  assert.deepStrictEqual(renew.vip_renew_price_type.options.map((o) => o.value), [
+    'same', 'discount', 'reduce', 'customize',
+  ]);
+  const discount = renew.vip_renew_discount;
+  assert.strictEqual(discount.type, 'slider');
+  assert.strictEqual(discount.sanitize_type, 'float');
+  assert.strictEqual(discount.min, 0.1);
+  assert.strictEqual(discount.max, 9.9);
+  assert.strictEqual(discount.step, 0.1);
+  assert.strictEqual(renew.vip_renew_reduce.type, 'spinner');
+  assert.strictEqual(renew.vip_renew_reduce.max, 500);
+  assert.strictEqual(renew.vip_renew_reduce.step, 5);
+  // 自定义续费商品组仅在 customize 时出现。
+  for (const level of [1, 2]) {
+    const group = renew[`vip_${level}_renew_product`];
+    assert.strictEqual(group.type, 'group');
+    assert.strictEqual(group.max, 8);
+    assert.strictEqual(group.button_title, '添加续费商品');
+    assert.deepStrictEqual(group.dependsOn, { key: 'vip_renew_price_type', value: 'customize' });
+    assert.deepStrictEqual(
+      group.fields.filter((f) => !f.ui_only).map((f) => f.key),
+      PRODUCT_FIELDS
+    );
+  }
+});
+
+test('升级价格为参考主题同款三块 accordion', () => {
+  const upgrade = harness.schema.opt_tabs.upgrade.fields.vip_upgrade_product;
+  assert.strictEqual(upgrade.type, 'accordion');
+  const keys = upgrade.fields.filter((f) => !f.ui_only).map((f) => f.key);
+  assert.deepStrictEqual(keys, UPGRADE_FIELDS);
+  assert.strictEqual(upgrade.fields.find((f) => f.key === 'month_to_month_s').default, true);
+  assert.strictEqual(upgrade.fields.find((f) => f.key === 'jump_s').default, false);
+  for (const key of ['unit_price', 'jump_price', 'jump_show_price', 'permanent_price', 'permanent_show_price']) {
+    assert.strictEqual(upgrade.fields.find((f) => f.key === key).sanitize_type, 'money_decimal', `${key} 应为 money_decimal`);
+  }
+  for (const key of ['unit_tag_class', 'jump_tag_class', 'permanent_tag_class']) {
+    const field = upgrade.fields.find((f) => f.key === key);
+    assert.strictEqual(field.type, 'palette', `${key} 应为 palette`);
+    assert.deepStrictEqual(field.options.map((o) => o.value), TAG_PALETTE);
+  }
+});
+
+test('积分兑换明细为结构化 group，时长为 time + Permanent 语义', () => {
+  assert.deepStrictEqual(harness.schema.points_fields, [
+    'pay_vip_points_exchange_s', 'pay_vip_points_exchange_product', 'pay_vip_points_exchange_desc',
+  ]);
+  const group = harness.schema.points_group;
+  assert.strictEqual(group.type, 'group');
+  assert.strictEqual(group.max, 16);
+  assert.strictEqual(group.button_title, '添加积分兑换商品');
+  assert.deepStrictEqual(group.fields.map((f) => f.key), ['points', 'level', 'time', 'unit']);
+  assert.strictEqual(group.fields.find((f) => f.key === 'points').type, 'number');
+  assert.strictEqual(group.fields.find((f) => f.key === 'level').type, 'radio');
+  assert.strictEqual(group.fields.find((f) => f.key === 'time').type, 'input');
+  // 永久时隐藏时长单位。
+  assert.deepStrictEqual(group.fields.find((f) => f.key === 'unit').dependsOn, { key: 'time', operator: 'neq', value: 'Permanent' });
+});
+
+test('运行时归一化：默认值、价格净化、零价与非法行剔除', () => {
+  const defaults = harness.runtime.defaults;
+  // 参考主题默认两行。
+  assert.strictEqual(defaults.levels['1'].products.length, 2);
+  assert.strictEqual(defaults.levels['1'].products[0].price, '99.00');
+  assert.strictEqual(defaults.levels['1'].products[0].time, 3);
+  assert.strictEqual(defaults.levels['1'].products[0].unit, 'month');
+  assert.strictEqual(defaults.levels['1'].products[0].days, 90);
+  assert.strictEqual(defaults.levels['1'].renew_products[0].price, '69.00');
+  assert.strictEqual(defaults.levels['2'].renew_products[0].price, '269.00');
+  // 积分兑换默认两行（含 Permanent）。
+  assert.strictEqual(defaults.points_exchange.packages.length, 2);
+  assert.strictEqual(defaults.points_exchange.packages[1].is_permanent, true);
+  assert.strictEqual(defaults.points_exchange.packages[1].days, 0);
+  // 续费/升级默认值。
+  assert.strictEqual(defaults.renew.price_type, 'discount');
+  assert.strictEqual(defaults.renew.discount, 8);
+  assert.strictEqual(defaults.upgrade.month_to_month_s, true);
+  assert.strictEqual(defaults.upgrade.jump_s, false);
+  assert.strictEqual(defaults.upgrade.unit_price, '10.00');
+  assert.strictEqual(defaults.upgrade.unit_tag_class, 'jb-yellow');
+  assert.strictEqual(defaults.upgrade.jump_tag_class, 'jb-red');
+
+  const custom = harness.runtime.custom;
+  // 零价行被剔除；价格规范化为两位小数。
+  assert.strictEqual(custom.levels['1'].products.length, 2);
+  assert.strictEqual(custom.levels['1'].products[0].price, '88.80');
+  assert.strictEqual(custom.levels['1'].products[0].tag_class, 'jb-green');
+  // 非法标签颜色回落为空串。
+  assert.strictEqual(custom.levels['2'].products[0].tag_class, '');
+  // 自定义续费价格类型与折扣。
+  assert.strictEqual(custom.renew.price_type, 'customize');
+  assert.strictEqual(custom.renew.discount, 7.5);
+  assert.strictEqual(custom.renew.desc, '续费有礼');
+  assert.strictEqual(custom.levels['1'].renew_products[0].tag_class, 'b-red');
+  // 升级三块参数透传。
+  assert.strictEqual(custom.upgrade.unit_price, '12.50');
+  assert.strictEqual(custom.upgrade.unit_tag_class, 'jb-blue');
+  assert.strictEqual(custom.upgrade.jump_s, true);
+  assert.strictEqual(custom.upgrade.permanent_tag_class, 'jb-vip2');
+  // 积分兑换：非法行（积分为 0 / 等级越界 / 时长为空）被剔除。
+  assert.strictEqual(custom.points_exchange.packages.length, 3);
+  assert.strictEqual(custom.points_exchange.packages[0].days, 30);
+  assert.strictEqual(custom.points_exchange.packages[1].is_permanent, true);
+  assert.strictEqual(custom.points_exchange.packages[2].days, 90);
+});
+
+test('旧 `|` 管道存量值按新默认值回退，不会渲染成假条目', () => {
+  const legacy = harness.runtime.legacy;
+  assert.strictEqual(legacy.levels['1'].products.length, 2);
+  assert.strictEqual(legacy.levels['1'].products[0].price, '99.00');
+  assert.strictEqual(legacy.points_exchange.packages.length, 2);
+  assert.strictEqual(legacy.upgrade.unit_price, '10.00');
+});
+
+test('续费计价：折值/立减/自定义商品三种语义', () => {
+  const p = harness.pricing;
+  // 相同价格：不改价、不展示原价。
+  assert.strictEqual(p.same.price, '100.00');
+  assert.strictEqual(p.same.show_price, '0.00');
+  // 8 折：执行价 80，原价划线为 100。
+  assert.strictEqual(p.discount_8.price, '80.00');
+  assert.strictEqual(p.discount_8.show_price, '100.00');
+  assert.strictEqual(p.discount_8.tag, '8折优惠');
+  // 支持小数折。
+  assert.strictEqual(p.discount_7_5.price, '75.00');
+  assert.strictEqual(p.discount_7_5.tag, '7.5折优惠');
+  // 超出滑块上限时按 9.9 折钳制（参考主题 slider max）。
+  assert.strictEqual(p.discount_10_clamped.price, '99.00');
+  assert.strictEqual(p.discount_10_clamped.tag, '9.9折优惠');
+  // 立减 20：执行价 80。
+  assert.strictEqual(p.reduce_20.price, '80.00');
+  assert.strictEqual(p.reduce_20.show_price, '100.00');
+  assert.strictEqual(p.reduce_20.tag, '续费立减￥20.00');
+  // 自定义商品：沿用商品自身的原价、促销标签与标签颜色。
+  assert.strictEqual(p.customize.price, '100.00');
+  assert.strictEqual(p.customize.show_price, '200.00');
+  assert.strictEqual(p.customize.tag, '限时');
+  assert.strictEqual(p.customize.tag_class, 'jb-red');
+  // 开通动作不套用续费规则。
+  assert.strictEqual(p.pay.price, '100.00');
+  assert.strictEqual(p.pay.show_price, '0.00');
+  assert.strictEqual(p.pay.tag, '');
+});
+
+test('tag_class 透传到前端套餐卡与积分兑换弹窗', () => {
+  assert.match(payVipJs, /item\.tag_class \|\| "jb-yellow"/);
+  // 弹窗时长行按 time/unit 渲染，Permanent 走永久。
+  assert.match(modalSource, /\$is_permanent = !empty\(\$package\['is_permanent'\]\)/);
+  assert.match(modalSource, /\$pkg_unit === 'month' \? __\('个月', 'aksrt'\) : __\('天', 'aksrt'\)/);
+  // 用户中心档位卡消费续费/升级简介。
+  assert.match(vipTabPhp, /\$renew_desc = \(string\) \(\$vip_settings\['renew'\]\['desc'\]/);
+  assert.match(vipTabPhp, /\$upgrade_desc = \(string\) \(\$vip_settings\['upgrade'\]\['desc'\]/);
+});
+
+test('管道解析死代码已清理', () => {
+  for (const [name, src] of [['VipServicePackages.php', packagesTrait], ['VipServicePurchase.php', purchaseSource]]) {
+    assert.ok(!/function parse_level_products/.test(src), `${name} 不应再定义 parse_level_products`);
+    assert.ok(!/function parse_packages\(/.test(src), `${name} 不应再定义 parse_packages`);
+    assert.ok(!/function parse_upgrade_product_line/.test(src), `${name} 不应再定义 parse_upgrade_product_line`);
+    assert.ok(!/preg_split\('\/\\r\\n\|\\r\|\\n\/'/.test(src), `${name} 不应再按行拆分管道配置`);
+  }
+  // HomeCms 的零调用 PaymentRuntime 代理方法已删除。
+  for (const method of ['get_payment_vip_settings', 'get_payment_recharge_settings', 'get_withdrawal_settings']) {
+    assert.ok(!homeCms.includes(`function ${method}`), `HomeCms 不应再含死代理 ${method}`);
+  }
+});
+
+test('SPA 镜像 schema 与 PHP schema 同构', async () => {
+  const mod = await import(pathToFileURL(path.join(root, 'assets/admin/src/schema/sections/payment/vip.js')).href);
+  const schema = mod.vipSchema;
+  assert.deepStrictEqual(schema.groups.map((g) => g.key), [
+    'notice', 'basic', 'benefit', 'opt', 'points-exchange', 'modal-copy',
+  ]);
+  const opt = schema.groups.find((g) => g.key === 'opt').fields[0];
+  assert.strictEqual(opt.type, 'tabbed');
+  assert.deepStrictEqual(opt.tabs.map((t) => t.key), ['vip1', 'vip2', 'renew', 'upgrade']);
+  for (const level of [1, 2]) {
+    const tab = opt.tabs[level - 1];
+    assert.strictEqual(tab.titleKey, `pay_user_vip_${level}_name`);
+    assert.deepStrictEqual(tab.fields.map((f) => f.key), [
+      `pay_user_vip_${level}_name`,
+      `pay_user_vip_${level}_desc`,
+      `pay_user_vip_${level}_equity`,
+      `vip_${level}_product_s`,
+      `vip_${level}_product`,
+      `vip_${level}_img_icon`,
+    ]);
+  }
+  assert.deepStrictEqual(
+    opt.tabs[2].fields.find((f) => f.key === 'vip_renew_price_type').options.map((o) => o.value),
+    ['same', 'discount', 'reduce', 'customize']
+  );
+  assert.deepStrictEqual(
+    opt.tabs[3].fields.find((f) => f.key === 'vip_upgrade_product').fields.filter((f) => !f.ui_only).map((f) => f.key),
+    UPGRADE_FIELDS
+  );
+  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']);
+  // 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);
+  assert.strictEqual(schema.defaults.vip_2_renew_product[0].price, 269);
+  assert.strictEqual(schema.defaults.vip_renew_discount, 8);
+  assert.strictEqual(schema.defaults.vip_upgrade_product.jump_s, false);
+  // 旧键不出现在 SPA schema。
+  for (const key of LEGACY_KEYS) {
+    assert.ok(!vipSchemaJs.includes(key), `vip.js 不应再含 ${key}`);
+  }
+});
diff --git a/tests/widget-system/vip-settings-structured-harness.php b/tests/widget-system/vip-settings-structured-harness.php
new file mode 100644
index 00000000..ab235256
--- /dev/null
+++ b/tests/widget-system/vip-settings-structured-harness.php
@@ -0,0 +1,207 @@
+<?php
+/**
+ * Executable VIP structured-settings contract harness.
+ *
+ * Builds the payment schema with WordPress stubs, normalizes a stored
+ * `aksrt_settings` snapshot through PaymentRuntime, and prints the result as
+ * JSON so the Node contract test can assert on the real shapes.
+ */
+
+declare(strict_types=1);
+
+namespace {
+	define('ABSPATH', __DIR__ . '/');
+	define('DAY_IN_SECONDS', 86400);
+
+	function __(string $text, string $domain = ''): string { return $text; }
+	function _x(string $text, string $context, string $domain = ''): string { return $text; }
+	function esc_html($value): string { return (string) $value; }
+	function esc_attr($value): string { return (string) $value; }
+	function esc_url($value): string { return (string) $value; }
+	function esc_url_raw($value): string { return trim((string) $value); }
+	function sanitize_key($value): string { return preg_replace('/[^a-z0-9_\-]/', '', strtolower((string) $value)) ?? ''; }
+	function sanitize_text_field($value): string { return trim(strip_tags((string) $value)); }
+	function sanitize_textarea_field($value): string { return trim((string) $value); }
+	function wp_kses_post($value): string { return (string) $value; }
+	function wp_kses($value, $allowed = null): string { return (string) $value; }
+	function trailingslashit($value): string { return rtrim((string) $value, '/\\') . '/'; }
+	function get_template_directory_uri(): string { return 'https://example.test/wp-content/themes/aksrt'; }
+	function absint($value): int { return max(0, (int) $value); }
+	function wp_json_encode($value, int $flags = 0): string { return json_encode($value, $flags | JSON_UNESCAPED_SLASHES); }
+	function is_multisite(): bool { return false; }
+	function get_option(string $key, $default = false) { return $default; }
+	function did_action(string $hook): int { return 0; }
+	function apply_filters(string $hook, $value, ...$args) { return $value; }
+	function add_action(...$args): void {}
+	function add_filter(...$args): void {}
+}
+
+namespace AKSRT\Settings {
+	/** Test double: PaymentRuntime reads every raw settings key through this. */
+	final class Settings {
+		/** @var array<string,mixed> */
+		public static array $snapshot = [];
+
+		public static function get_all(): array {
+			return self::$snapshot;
+		}
+
+		public static function get_paid_content_settings(): array {
+			return ['display' => ['currency_symbol' => '￥']];
+		}
+
+		public static function reset(): void {
+			self::$snapshot = [];
+		}
+	}
+}
+
+namespace {
+	require dirname(__DIR__, 2) . '/src/Ledger/AssetType.php';
+	require dirname(__DIR__, 2) . '/src/Ledger/AssetAmount.php';
+	require dirname(__DIR__, 2) . '/src/Settings/PaymentRuntime.php';
+	require dirname(__DIR__, 2) . '/src/Admin/Schema/SchemaPayment.php';
+	require dirname(__DIR__, 2) . '/src/Content/VipServicePackages.php';
+
+	/** Exposes the trait's private renew-pricing math for contract assertions. */
+	final class VipPricingProbe {
+		use \AKSRT\Content\VipServicePackages;
+
+		/** @param array<string,mixed> $pkg */
+		public function price(array $pkg, string $action, array $renew, int $days): ?array {
+			return $this->apply_action_price($pkg, $action, $renew, [], 1, 1, 0, false, $days);
+		}
+	}
+
+	use AKSRT\Admin\Schema\SchemaPayment;
+	use AKSRT\Settings\PaymentRuntime;
+	use AKSRT\Settings\Settings;
+
+	$vip = SchemaPayment::build()['sections']['vip'];
+	$groups = [];
+	foreach ($vip['groups'] as $group) {
+		$groups[$group['key']] = $group;
+	}
+
+	$opt_tabs = [];
+	foreach ($groups['opt']['fields'][0]['tabs'] as $tab) {
+		$fields = [];
+		foreach ($tab['fields'] as $field) {
+			$fields[$field['key']] = $field;
+		}
+		$opt_tabs[$tab['key']] = [
+			'title' => $tab['title'],
+			'titleKey' => $tab['titleKey'] ?? null,
+			'titleFallback' => $tab['titleFallback'] ?? null,
+			'fields' => $fields,
+		];
+	}
+
+	$benefit_tabs = [];
+	foreach ($groups['benefit']['fields'][0]['tabs'] as $tab) {
+		$benefit_tabs[$tab['key']] = [
+			'title' => $tab['title'],
+			'titleKey' => $tab['titleKey'] ?? null,
+			'titleFallback' => $tab['titleFallback'] ?? null,
+		];
+	}
+
+	// ---- runtime: defaults (nothing stored) -------------------------------
+	Settings::reset();
+	$defaults = PaymentRuntime::get_payment_vip_settings();
+
+	// ---- runtime: fully customised stored snapshot -------------------------
+	Settings::$snapshot = [
+		'pay_user_vip_1_s' => true,
+		'pay_user_vip_2_s' => true,
+		'pay_user_vip_1_name' => '青铜会员',
+		'pay_user_vip_2_name' => '王者会员',
+		'vip_renew' => true,
+		'vip_renew_desc' => '续费有礼',
+		'vip_renew_price_type' => 'customize',
+		'vip_renew_discount' => 7.5,
+		'vip_renew_reduce' => '15.00',
+		'vip_upgrade' => true,
+		'vip_upgrade_desc' => '升级王者',
+		'vip_upgrade_product' => [
+			'month_to_month_s' => true,
+			'unit_price' => '12.50',
+			'unit_tag' => '<i class="fa fas fa-fw fa-bolt"></i> 按天升级',
+			'unit_tag_class' => 'jb-blue',
+			'jump_s' => true,
+			'jump_price' => '259.00',
+			'jump_show_price' => '399.00',
+			'jump_tag' => '<i class="fa fas fa-fw fa-bolt"></i> 直升永久',
+			'jump_tag_class' => 'jb-red',
+			'permanent_price' => '159.00',
+			'permanent_show_price' => '259.00',
+			'permanent_tag' => '<i class="fa fas fa-fw fa-bolt"></i> 王者特惠',
+			'permanent_tag_class' => 'jb-vip2',
+		],
+		'vip_1_product' => [
+			['price' => '88.80', 'show_price' => '188.00', 'tag' => '<i class="fa fas fa-fw fa-bolt"></i> 新客', 'tag_class' => 'jb-green', 'time' => 1, 'unit' => 'month'],
+			['price' => '0', 'show_price' => '', 'tag' => '', 'time' => 0, 'unit' => 'day'],
+			['price' => '10', 'show_price' => '20', 'tag' => '', 'time' => 2, 'unit' => 'month'],
+		],
+		'vip_2_product' => [
+			['price' => '300', 'show_price' => '600', 'tag' => 'x', 'tag_class' => 'not-a-real-class', 'time' => 12, 'unit' => 'month'],
+		],
+		'vip_1_renew_product' => [
+			['price' => '60', 'show_price' => '99', 'tag' => '续费专享', 'tag_class' => 'b-red', 'time' => 1, 'unit' => 'month'],
+		],
+		'vip_2_renew_product' => [],
+		'pay_vip_points_exchange_s' => true,
+		'pay_vip_points_exchange_product' => [
+			['points' => 800, 'level' => 1, 'time' => 30, 'unit' => 'day'],
+			['points' => 9000, 'level' => 2, 'time' => 'Permanent'],
+			['points' => 0, 'level' => 1, 'time' => 10, 'unit' => 'day'],
+			['points' => 100, 'level' => 9, 'time' => 10, 'unit' => 'day'],
+			['points' => 100, 'level' => 1, 'time' => '', 'unit' => 'day'],
+			['points' => 120, 'level' => 2, 'time' => 3, 'unit' => 'month'],
+		],
+	];
+	$custom = PaymentRuntime::get_payment_vip_settings();
+
+	// ---- legacy scalar payloads must fall back to defaults -----------------
+	Settings::$snapshot = [
+		'pay_user_vip_1_s' => true,
+		'vip_1_product' => "30|59|1|month|限时|月卡",
+		'pay_vip_points_exchange_product' => "1|500|30|积分月卡",
+		'vip_upgrade_product' => "unit|1|按剩余天数升级",
+	];
+	$legacy = PaymentRuntime::get_payment_vip_settings();
+
+	echo wp_json_encode([
+		'schema' => [
+			'version' => $vip['version'],
+			'group_keys' => array_column($vip['groups'], 'key'),
+			'basic_field_keys' => array_column($groups['basic']['fields'], 'key'),
+			'benefit_tabs' => $benefit_tabs,
+			'opt_tabs' => $opt_tabs,
+			'points_fields' => array_column($groups['points-exchange']['fields'], 'key'),
+			'points_group' => $groups['points-exchange']['fields'][1],
+			'tag_palette' => $opt_tabs['vip1']['fields']['vip_1_product']['fields'][3]['options'],
+		],
+		'runtime' => [
+			'defaults' => $defaults,
+			'custom' => $custom,
+			'legacy' => $legacy,
+		],
+		'pricing' => (static function (): array {
+			$probe = new VipPricingProbe();
+			$base = [
+				'price' => '100.00', 'show_price' => '200.00', 'tag' => '限时',
+				'tag_class' => 'jb-red', 'time' => 1, 'unit' => 'month',
+			];
+			return [
+				'same' => $probe->price($base, 'renew', ['price_type' => 'same'], 30),
+				'discount_8' => $probe->price($base, 'renew', ['price_type' => 'discount', 'discount' => 8], 30),
+				'discount_7_5' => $probe->price($base, 'renew', ['price_type' => 'discount', 'discount' => 7.5], 30),
+				'discount_10_clamped' => $probe->price($base, 'renew', ['price_type' => 'discount', 'discount' => 10], 30),
+				'reduce_20' => $probe->price($base, 'renew', ['price_type' => 'reduce', 'reduce' => '20.00'], 30),
+				'customize' => $probe->price($base, 'renew', ['price_type' => 'customize'], 30),
+				'pay' => $probe->price($base, 'pay', ['price_type' => 'discount'], 30),
+			];
+		})(),
+	], JSON_UNESCAPED_UNICODE | JSON_PRETTY_PRINT), PHP_EOL;
+}