diff --git a/assets/admin/src/schema/sections/payment/recharge.js b/assets/admin/src/schema/sections/payment/recharge.js
index 02b04182..3925803e 100644
--- a/assets/admin/src/schema/sections/payment/recharge.js
+++ b/assets/admin/src/schema/sections/payment/recharge.js
@@ -112,7 +112,7 @@ export const rechargeSchema = {
         { key: 'points_pass_exchange_only_password', label: '积分卡密单密码模式', type: 'switch', default: false, dependsOn: { key: 'points_pass_exchange_s', value: true }, help: '积分卡密仅需输入密码，不需要卡号' },
         { key: 'pay_vip_pass_charge_s', label: '启用卡密兑换会员功能', type: 'switch', default: false, help: '开启后用户可在会员购买/续费弹窗选择「卡密」渠道，使用会员卡密直接兑换会员' },
         { key: 'pay_vip_pass_charge_desc', label: '卡密兑换会员说明', type: 'textarea', default: '', rows: 2, dependsOn: { key: 'pay_vip_pass_charge_s', value: true }, help: '用户使用卡密兑换会员时显示的内容，建议为提醒事项、兑换协议等，支持HTML代码' },
-        { key: 'pay_vip_pass_charge_only_password', label: '会员卡密单密码模式', type: 'switch', default: true, dependsOn: { key: 'pay_vip_pass_charge_s', value: true }, help: '会员卡密仅需输入密码，不需要卡号' },
+        { key: 'pay_vip_pass_charge_only_password', label: '会员卡密单密码模式', type: 'switch', default: false, dependsOn: { key: 'pay_vip_pass_charge_s', value: true }, help: '会员卡密仅需输入密码，不需要卡号；默认关闭，会员卡需输入卡号和密码（与其他卡密兑换一致）' },
       ],
     },
     {
diff --git a/src/Admin/Schema/SchemaPayment.php b/src/Admin/Schema/SchemaPayment.php
index 997503c5..25856197 100644
--- a/src/Admin/Schema/SchemaPayment.php
+++ b/src/Admin/Schema/SchemaPayment.php
@@ -163,7 +163,7 @@ class SchemaPayment {
 							['key' => 'points_pass_exchange_only_password', 'label' => '积分卡密单密码模式', 'type' => 'switch', 'default' => false, 'dependsOn' => ['key' => 'points_pass_exchange_s', 'value' => true], 'help' => '积分卡密仅需输入密码，不需要卡号'],
 							['key' => 'pay_vip_pass_charge_s', 'label' => '启用卡密兑换会员功能', 'type' => 'switch', 'default' => false, 'help' => '开启后用户可在会员购买/续费弹窗选择「卡密」渠道，使用会员卡密直接兑换会员'],
 							['key' => 'pay_vip_pass_charge_desc', 'label' => '卡密兑换会员说明', 'type' => 'textarea', 'default' => '', 'rows' => 2, 'dependsOn' => ['key' => 'pay_vip_pass_charge_s', 'value' => true], 'help' => '用户使用卡密兑换会员时显示的内容，建议为提醒事项、兑换协议等，支持HTML代码'],
-							['key' => 'pay_vip_pass_charge_only_password', 'label' => '会员卡密单密码模式', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_vip_pass_charge_s', 'value' => true], 'help' => '会员卡密仅需输入密码，不需要卡号'],
+							['key' => 'pay_vip_pass_charge_only_password', 'label' => '会员卡密单密码模式', 'type' => 'switch', 'default' => false, 'dependsOn' => ['key' => 'pay_vip_pass_charge_s', 'value' => true], 'help' => '会员卡密仅需输入密码，不需要卡号；默认关闭，会员卡需输入卡号和密码（与其他卡密兑换一致）'],
 						]],
 						['key' => 'points-exchange', 'title' => '余额兑换积分', 'fields' => [
 							['key' => 'pay_balance_points_exchange_s', 'label' => '启用余额兑换积分', 'type' => 'switch', 'default' => false, 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
diff --git a/src/Payment/ChargeCard.php b/src/Payment/ChargeCard.php
index 8c637cb8..18c6842c 100644
--- a/src/Payment/ChargeCard.php
+++ b/src/Payment/ChargeCard.php
@@ -131,7 +131,7 @@ class ChargeCard {
         $types = [
             'balance' => ['enabled' => false, 'desc' => '', 'only_password' => false],
             'credits' => ['enabled' => false, 'desc' => '', 'only_password' => false],
-            'vip'     => ['enabled' => false, 'desc' => '', 'only_password' => true],
+            'vip'     => ['enabled' => false, 'desc' => '', 'only_password' => false],
         ];
 
         if ($channel_on && class_exists('\AKSRT\Settings\Settings')) {
diff --git a/src/Settings/PaymentRuntime.php b/src/Settings/PaymentRuntime.php
index 6b192adb..55f536b8 100644
--- a/src/Settings/PaymentRuntime.php
+++ b/src/Settings/PaymentRuntime.php
@@ -124,7 +124,8 @@ class PaymentRuntime {
                 'vip'     => [
                     'enabled'       => !empty($settings['pay_vip_pass_charge_s']),
                     'desc'          => sanitize_textarea_field((string) ($settings['pay_vip_pass_charge_desc'] ?? '')),
-                    'only_password' => !isset($settings['pay_vip_pass_charge_only_password']) || !empty($settings['pay_vip_pass_charge_only_password']),
+                    // 默认非单密码（卡号+密码），对齐参考主题 pay_vip_pass_charge_only_password 默认 false。
+                    'only_password' => !empty($settings['pay_vip_pass_charge_only_password']),
                 ],
             ],
             'points_exchange' => [
diff --git a/tests/widget-system/card-pass-modal-redeem.test.cjs b/tests/widget-system/card-pass-modal-redeem.test.cjs
index 7cfcd7e9..849aad44 100644
--- a/tests/widget-system/card-pass-modal-redeem.test.cjs
+++ b/tests/widget-system/card-pass-modal-redeem.test.cjs
@@ -146,7 +146,11 @@ test('REST 契约：type 必填（balance/vip/credits），无空类型自动识
 test('后端类型闸门：三个独立开关各约束自己的类型', () => {
   assert.match(chargeCard, /'balance' => \['enabled' => false, 'desc' => '', 'only_password' => false\]/);
   assert.match(chargeCard, /'credits' => \['enabled' => false, 'desc' => '', 'only_password' => false\]/);
-  assert.match(chargeCard, /'vip'\s+=> \['enabled' => false, 'desc' => '', 'only_password' => true\]/);
+  assert.match(chargeCard, /'vip'\s+=> \['enabled' => false, 'desc' => '', 'only_password' => false\]/);
+  // 会员单密码默认关闭（对齐参考主题 default false）：未显式开启时卡密盒显示卡号+密码。
+  assert.doesNotMatch(chargeCard, /'only_password' => true/);
+  assert.match(read('src', 'Settings', 'PaymentRuntime.php'), /'only_password' => !empty\(\$settings\['pay_vip_pass_charge_only_password'\]\),/);
+  assert.doesNotMatch(read('src', 'Settings', 'PaymentRuntime.php'), /!isset\(\$settings\['pay_vip_pass_charge_only_password'\]\)/);
   assert.match(chargeCard, /卡密兑换余额功能未开启/);
   assert.match(chargeCard, /卡密兑换积分功能未开启/);
   assert.match(chargeCard, /卡密兑换会员功能未开启/);