diff --git a/jituan/services/pay_confirm.py b/jituan/services/pay_confirm.py
index ab9c8f7..d4eb417 100644
--- a/jituan/services/pay_confirm.py
+++ b/jituan/services/pay_confirm.py
@@ -40,7 +40,10 @@ def confirm_remote_payment(
         }
 
     is_alipay = cache.get(f'alipay_pay_url_{out_trade_no}') is not None
-    is_wx_native = cache.get(f'wx_native_code_{out_trade_no}') is not None
+    is_wx_native = (
+        cache.get(f'wx_native_pay_{out_trade_no}') is not None
+        or cache.get(f'wx_native_code_{out_trade_no}') is not None
+    )
     # 微信 Native 与支付宝 cache 互斥；有 Native 标记时直接走微信查单，避免误走支付宝
     if is_alipay and not is_wx_native:
         from jituan.services.alipay_pay import query_alipay_trade
diff --git a/jituan/services/wechat_native_pay.py b/jituan/services/wechat_native_pay.py
index 7f3696d..83cbc3f 100644
--- a/jituan/services/wechat_native_pay.py
+++ b/jituan/services/wechat_native_pay.py
@@ -1,7 +1,12 @@
-"""微信 Native 扫码支付（trade_type=NATIVE）。
+"""微信「扫码」支付（相册可用版）。
 
-与 JSAPI 共用普通商户 mch_id / API 密钥；不走付呗。
-返回 code_url + 二维码图；履约仍走各业务原有 notify_url / fulfill_*。
+关键点：
+- 二维码内容必须是 HTTPS（微信允许相册识别普通链接）
+- 不能把 weixin://wxpay 付款码直接印成图（相册必被「保障支付安全」拦截）
+- 用户扫 HTTPS 后进 H5 → 服务号 OAuth 拿 openid → JSAPI 统一下单
+  → WeixinJSBridge.invoke 直接出密码
+
+本机小程序内仍可用「本机支付」走小程序 JSAPI。
 """
 from __future__ import annotations
 
@@ -9,38 +14,49 @@ import hashlib
 import logging
 import random
 import string
+import time
+from urllib.parse import quote
 
 import requests
 from django.core.cache import cache
 
 from jituan.constants import PAY_METHOD_WECHAT_NATIVE
-from jituan.services.wechat_pay import (
-    get_wechat_v2_config,
-    log_wechat_v2_pay_diag,
-    parse_wechat_v2_unifiedorder_response,
-)
 from utils.money import yuan_to_fen
 
 logger = logging.getLogger(__name__)
 
-CACHE_KEY_PREFIX = 'wx_native_code_'
+CACHE_KEY_PREFIX = 'wx_native_pay_'
 CACHE_TTL_SECONDS = 60 * 30
+BRIDGE_URL_BASE = 'https://www.abas.asia/hqhd/dingdan/wx-native-pay/'
 
 
 def _cache_key(dingdanid: str) -> str:
     return f'{CACHE_KEY_PREFIX}{dingdanid}'
 
 
-def _native_pay_response(code_url: str) -> dict:
-    """二维码直接编码官方 weixin://wxpay/bizpayurl（供另一台手机扫，直接出密码）。
-    本机相册识别付款码会被微信官方拦截，无法伪装；本机付款走小程序 JSAPI。
-    """
-    from jituan.services.alipay_pay import qr_link_to_base64
-    return {
-        'qr_code': code_url,
-        'qr_image': qr_link_to_base64(code_url),
-        'pay_method': PAY_METHOD_WECHAT_NATIVE,
-    }
+def build_native_bridge_url(dingdanid: str, club_id=None) -> str:
+    q = f'out_trade_no={quote(dingdanid or "", safe="")}'
+    if club_id:
+        q += f'&club_id={quote(str(club_id), safe="")}'
+    return f'{BRIDGE_URL_BASE}?{q}'
+
+
+def save_native_pay_session(dingdanid, *, jine, body, notify_url, club_id=None):
+    cache.set(
+        _cache_key(dingdanid),
+        {
+            'jine': str(jine),
+            'body': (body or '微信支付').strip() or '微信支付',
+            'notify_url': (notify_url or '').strip(),
+            'club_id': (club_id or '').strip(),
+        },
+        CACHE_TTL_SECONDS,
+    )
+
+
+def get_native_pay_session(dingdanid: str):
+    data = cache.get(_cache_key(dingdanid))
+    return data if isinstance(data, dict) else None
 
 
 def generate_wechat_native_pay_params(
@@ -53,11 +69,13 @@ def generate_wechat_native_pay_params(
     client_ip='127.0.0.1',
     scene='native',
 ):
-    """统一下单 NATIVE，返回 {qr_code, qr_image, pay_method}。
+    """生成「相册可扫」支付参数：HTTPS 中转码 + 会话缓存。
 
-    同一业务单号未过期时复用 cache 中的 code_url，避免重复点支付产生双码。
-    不需要 openid。第一期不走付呗。
+    不再调用 Native unifiedorder（weixin:// 码会被相册拦截）。
+    真实收款在中转页用服务号 JSAPI 完成，notify_url/履约不变。
     """
+    from jituan.services.alipay_pay import qr_link_to_base64
+
     dingdanid = (dingdanid or '').strip()
     notify_url = (notify_url or '').strip()
     body = (body or '微信支付').strip() or '微信支付'
@@ -66,31 +84,63 @@ def generate_wechat_native_pay_params(
     if not notify_url:
         raise Exception('缺少微信回调地址 notify_url')
 
-    cached = cache.get(_cache_key(dingdanid)) or {}
-    cached_url = (cached.get('code_url') or '').strip()
-    if cached_url:
-        logger.info(
-            '[WX_NATIVE] reuse code_url dingdan=%s club=%s scene=%s',
-            dingdanid, club_id, scene,
-        )
-        return _native_pay_response(cached_url)
+    save_native_pay_session(
+        dingdanid,
+        jine=jine,
+        body=body,
+        notify_url=notify_url,
+        club_id=club_id,
+    )
+    bridge = build_native_bridge_url(dingdanid, club_id)
+    logger.warning(
+        '[WX_NATIVE_ALBUM] session ok dingdan=%s club=%s scene=%s bridge=%s',
+        dingdanid, club_id, scene, bridge,
+    )
+    return {
+        # 复制也给 HTTPS，打开后同一套支付
+        'qr_code': bridge,
+        'qr_image': qr_link_to_base64(bridge),
+        'bridge_url': bridge,
+        'pay_method': PAY_METHOD_WECHAT_NATIVE,
+    }
 
-    pay_cfg = get_wechat_v2_config(club_id)
+
+def build_official_jsapi_pay_params(
+    *,
+    dingdanid,
+    jine,
+    body,
+    notify_url,
+    openid,
+    club_id=None,
+    client_ip='127.0.0.1',
+):
+    """服务号 AppID + 服务号 openid 做 JSAPI 统一下单，供 H5 WeixinJSBridge 调起。"""
+    from jituan.services.wechat_pay import (
+        get_wechat_v2_config,
+        log_wechat_v2_pay_diag,
+        parse_wechat_v2_unifiedorder_response,
+    )
+
+    pay_cfg = get_wechat_v2_config(club_id, app_source='official')
     log_wechat_v2_pay_diag(
-        pay_cfg, scene=f'native:{scene}', openid='', order_hint=dingdanid,
+        pay_cfg, scene='native_album_jsapi', openid=openid, order_hint=dingdanid,
     )
     appid = pay_cfg.get('appid') or ''
     mch_id = pay_cfg.get('mch_id') or ''
     key = pay_cfg.get('key') or ''
     if not all([appid, mch_id, key]):
         raise Exception(
-            f'微信 Native 配置不完整 club={pay_cfg.get("club_id")} '
-            f'appid={bool(appid)} mch_id={bool(mch_id)} mch_key={bool(key)}'
+            f'服务号支付配置不完整 club={pay_cfg.get("club_id")} '
+            f'请配置 official_appid 与商户密钥'
         )
+    if not openid:
+        raise Exception('缺少服务号 openid')
 
     nonce_str = ''.join(random.choices(string.ascii_letters + string.digits, k=32))
     total_fee = yuan_to_fen(jine)
     ip = (client_ip or '127.0.0.1').split(',')[0].strip() or '127.0.0.1'
+    body = (body or '微信支付').strip() or '微信支付'
 
     sign_data = {
         'appid': appid,
@@ -101,7 +151,8 @@ def generate_wechat_native_pay_params(
         'total_fee': total_fee,
         'spbill_create_ip': ip,
         'notify_url': notify_url,
-        'trade_type': 'NATIVE',
+        'trade_type': 'JSAPI',
+        'openid': openid,
     }
     sorted_items = sorted(sign_data.items(), key=lambda x: x[0])
     sign_string = '&'.join(f'{k}={v}' for k, v in sorted_items if v) + f'&key={key}'
@@ -113,10 +164,11 @@ def generate_wechat_native_pay_params(
 <mch_id>{mch_id}</mch_id>
 <nonce_str>{nonce_str}</nonce_str>
 <notify_url>{notify_url}</notify_url>
+<openid>{openid}</openid>
 <out_trade_no>{dingdanid}</out_trade_no>
 <spbill_create_ip>{ip}</spbill_create_ip>
 <total_fee>{total_fee}</total_fee>
-<trade_type>NATIVE</trade_type>
+<trade_type>JSAPI</trade_type>
 <sign>{sign}</sign>
 </xml>"""
 
@@ -128,13 +180,31 @@ def generate_wechat_native_pay_params(
     )
     parsed = parse_wechat_v2_unifiedorder_response(
         response.content,
-        log_prefix=f'WX_NATIVE_{scene}',
-        expect='code_url',
+        log_prefix='WX_NATIVE_ALBUM_JSAPI',
+        expect='prepay_id',
     )
-    code_url = parsed['code_url']
-    cache.set(_cache_key(dingdanid), {'code_url': code_url}, CACHE_TTL_SECONDS)
-    logger.warning(
-        '[WX_NATIVE] unifiedorder ok dingdan=%s club=%s mch=%s scene=%s',
-        dingdanid, pay_cfg.get('club_id'), mch_id, scene,
-    )
-    return _native_pay_response(code_url)
+    prepay_id = parsed['prepay_id']
+    timestamp = str(int(time.time()))
+    pay_nonce = ''.join(random.choices(string.ascii_letters + string.digits, k=32))
+    package = f'prepay_id={prepay_id}'
+    sign_type = 'MD5'
+    pay_sign_data = {
+        'appId': appid,
+        'timeStamp': timestamp,
+        'nonceStr': pay_nonce,
+        'package': package,
+        'signType': sign_type,
+    }
+    pay_sign_string = '&'.join(
+        f'{k}={pay_sign_data[k]}' for k in sorted(pay_sign_data.keys())
+    ) + f'&key={key}'
+    pay_sign = hashlib.md5(pay_sign_string.encode('utf-8')).hexdigest().upper()
+
+    return {
+        'appId': appid,
+        'timeStamp': timestamp,
+        'nonceStr': pay_nonce,
+        'package': package,
+        'signType': sign_type,
+        'paySign': pay_sign,
+    }
diff --git a/orders/views/payment.py b/orders/views/payment.py
index cef878a..db60449 100644
--- a/orders/views/payment.py
+++ b/orders/views/payment.py
@@ -531,16 +531,124 @@ def alipay_pay_page(request):
 
 
 def wx_native_pay_page(request):
-    """微信 Native 扫码中转页：相册扫 HTTPS 码后跳转到 weixin:// 付款链接。"""
+    """相册可扫的 HTTPS 中转页：OAuth 取服务号 openid → JSAPI → 直接出密码。
+
+    二维码故意不用 weixin:// 付款码（会被相册安全拦截）。
+    """
+    from urllib.parse import quote
+    from jituan.services.club_resolver import get_club_official_credentials, oauth2_access_token
+    from jituan.services.wechat_native_pay import (
+        build_official_jsapi_pay_params,
+        get_native_pay_session,
+        build_native_bridge_url,
+    )
+
     out_trade_no = (request.GET.get('out_trade_no') or request.GET.get('dingdanid') or '').strip()
-    code_url = ''
-    if out_trade_no:
-        cached = cache.get(f'wx_native_code_{out_trade_no}') or {}
-        if isinstance(cached, dict):
-            code_url = (cached.get('code_url') or '').strip()
-        elif isinstance(cached, str):
-            code_url = cached.strip()
-    return render(request, 'wechat/native_pay.html', {'code_url': code_url, 'out_trade_no': out_trade_no})
+    club_id = (request.GET.get('club_id') or '').strip()
+    code = (request.GET.get('code') or '').strip()
+
+    if not out_trade_no:
+        return render(request, 'wechat/native_pay.html', {'error': '缺少订单号'})
+
+    session = get_native_pay_session(out_trade_no)
+    if not session:
+        # 兼容：从业务单反查
+        try:
+            from products.models import Czjilu
+            row = Czjilu.query.filter(dingdan_id=out_trade_no).first()
+            if row and int(getattr(row, 'zhuangtai', -1) or -1) in (9,):
+                session = {
+                    'jine': str(row.jine),
+                    'body': (row.shuoming or '微信支付')[:40],
+                    'notify_url': '',
+                    'club_id': (getattr(row, 'club_id', None) or club_id or ''),
+                }
+        except Exception:
+            session = None
+    if not session:
+        try:
+            from orders.models import Order
+            row = Order.query.filter(OrderID=out_trade_no).first()
+            if row and int(getattr(row, 'Status', -1) or -1) == 9:
+                session = {
+                    'jine': str(row.Amount),
+                    'body': getattr(settings, 'WEIXIN_PAY_DESCRIPTION', '星阙订单'),
+                    'notify_url': getattr(settings, 'WEIXIN_NOTIFY_URL', ''),
+                    'club_id': (getattr(row, 'ClubID', None) or club_id or ''),
+                }
+        except Exception:
+            session = None
+
+    if not session:
+        return render(request, 'wechat/native_pay.html', {
+            'error': '支付已过期，请返回小程序重新发起',
+        })
+
+    club_id = club_id or (session.get('club_id') or '')
+    notify_url = (session.get('notify_url') or '').strip()
+    if not notify_url:
+        # 按单号前缀回落业务回调（与现网一致）
+        if out_trade_no.startswith('CzHY'):
+            notify_url = getattr(settings, 'HUIYUAN_PAY_NOTIFY_URL', '')
+        elif out_trade_no.startswith('CzYJ'):
+            notify_url = getattr(settings, 'YAJIN_PAY_NOTIFY_URL', '')
+        elif out_trade_no.startswith('CzJF'):
+            notify_url = getattr(settings, 'JIFEN_PAY_NOTIFY_URL', '')
+        elif out_trade_no.startswith('CzSJ'):
+            notify_url = getattr(settings, 'SHANGJIA_CZ_PAY_NOTIFY_URL', '')
+        elif out_trade_no.startswith('FK'):
+            notify_url = getattr(settings, 'FAKUAN_PAY_NOTIFY_URL', '')
+        elif out_trade_no.startswith('KH'):
+            notify_url = getattr(settings, 'KAOHE_PAY_NOTIFY_URL', '')
+        elif out_trade_no.startswith('CzZP'):
+            notify_url = getattr(settings, 'ZHUANPAN_PAY_NOTIFY_URL', '')
+        else:
+            notify_url = getattr(settings, 'WEIXIN_NOTIFY_URL', '')
+
+    appid, secret, _club = get_club_official_credentials(club_id)
+    if not appid or not secret:
+        return render(request, 'wechat/native_pay.html', {
+            'error': '俱乐部未配置服务号（official_appid），无法相册支付。请联系管理员配置后重试，或返回小程序点「本机支付」。',
+        })
+
+    # 无 code：跳转网页授权（静默）
+    if not code:
+        redirect_uri = build_native_bridge_url(out_trade_no, club_id)
+        oauth = (
+            'https://open.weixin.qq.com/connect/oauth2/authorize'
+            f'?appid={quote(appid)}'
+            f'&redirect_uri={quote(redirect_uri, safe="")}'
+            '&response_type=code&scope=snsapi_base&state=pay#wechat_redirect'
+        )
+        from django.shortcuts import redirect
+        return redirect(oauth)
+
+    wx = oauth2_access_token(code, club_id=club_id)
+    openid = (wx or {}).get('openid') or ''
+    if not openid:
+        return render(request, 'wechat/native_pay.html', {
+            'error': (wx or {}).get('errmsg') or '微信授权失败，请返回重试',
+        })
+
+    xff = request.META.get('HTTP_X_FORWARDED_FOR')
+    client_ip = (xff.split(',')[0].strip() if xff else '') or request.META.get('REMOTE_ADDR') or '127.0.0.1'
+    try:
+        pay = build_official_jsapi_pay_params(
+            dingdanid=out_trade_no,
+            jine=session.get('jine'),
+            body=session.get('body') or '微信支付',
+            notify_url=notify_url,
+            openid=openid,
+            club_id=club_id,
+            client_ip=client_ip,
+        )
+    except Exception as exc:
+        logger.exception('相册支付 JSAPI 下单失败 dingdan=%s', out_trade_no)
+        return render(request, 'wechat/native_pay.html', {
+            'error': f'下单失败：{exc}',
+        })
+
+    return render(request, 'wechat/native_pay.html', {'pay': pay, 'out_trade_no': out_trade_no})
 
 
 class PaymentVerifyView(APIView):
diff --git a/templates/wechat/native_pay.html b/templates/wechat/native_pay.html
index 517d9bb..cdc143a 100644
--- a/templates/wechat/native_pay.html
+++ b/templates/wechat/native_pay.html
@@ -15,22 +15,56 @@
             display: block; width: 100%; padding: 16px; font-size: 17px; font-weight: 600;
             border: none; border-radius: 10px; background: #07c160; color: #fff; text-decoration: none;
         }
-        .btn:active { opacity: 0.9; }
-        .hint { margin-top: 20px; font-size: 13px; color: #aaa; line-height: 1.5; }
         .err .title { color: #333; }
     </style>
 </head>
 <body>
-<div class="wrap {% if not code_url %}err{% endif %}">
-{% if code_url %}
+<div class="wrap {% if error %}err{% endif %}">
+{% if error %}
+    <div class="title">暂时无法支付</div>
+    <div class="sub">{{ error }}</div>
+{% elif pay %}
     <div class="logo">微</div>
     <div class="title">微信支付</div>
-    <div class="sub">请点击下方按钮完成支付<br>点击后将调起付款密码</div>
-    <a class="btn" href="{{ code_url }}">立即支付</a>
-    <div class="hint">若点击无反应，请返回小程序使用「复制支付链接」</div>
+    <div class="sub" id="tip">正在调起支付...</div>
+    <button class="btn" type="button" id="payBtn">立即支付</button>
+    <script>
+    (function () {
+        var pay = {
+            appId: '{{ pay.appId|escapejs }}',
+            timeStamp: '{{ pay.timeStamp|escapejs }}',
+            nonceStr: '{{ pay.nonceStr|escapejs }}',
+            package: '{{ pay.package|escapejs }}',
+            signType: '{{ pay.signType|escapejs }}',
+            paySign: '{{ pay.paySign|escapejs }}'
+        };
+        function invokePay() {
+            if (typeof WeixinJSBridge === 'undefined') {
+                document.getElementById('tip').innerText = '请在微信内打开并点击「立即支付」';
+                return;
+            }
+            WeixinJSBridge.invoke('getBrandWCPayRequest', pay, function (res) {
+                var msg = (res && res.err_msg) || '';
+                if (msg === 'get_brand_wcpay_request:ok') {
+                    document.getElementById('tip').innerText = '支付成功，请返回小程序查看';
+                } else if (msg === 'get_brand_wcpay_request:cancel') {
+                    document.getElementById('tip').innerText = '已取消支付，可再次点击下方按钮';
+                } else {
+                    document.getElementById('tip').innerText = '支付未完成，请重试';
+                }
+            });
+        }
+        document.getElementById('payBtn').onclick = invokePay;
+        if (typeof WeixinJSBridge === 'undefined') {
+            document.addEventListener('WeixinJSBridgeReady', invokePay, false);
+        } else {
+            setTimeout(invokePay, 100);
+        }
+    })();
+    </script>
 {% else %}
     <div class="title">支付已失效</div>
-    <div class="sub">链接无效或已过期，请返回小程序重新发起支付</div>
+    <div class="sub">请返回小程序重新发起支付</div>
 {% endif %}
 </div>
 </body>