diff --git a/jituan/services/wechat_pay.py b/jituan/services/wechat_pay.py
index 7ec789c..d8bf522 100644
--- a/jituan/services/wechat_pay.py
+++ b/jituan/services/wechat_pay.py
@@ -13,17 +13,15 @@ logger = logging.getLogger(__name__)
 def get_wechat_v2_config(club_id=None):
     """
     小程序 JSAPI 支付 V2 配置。
-    多 club 时读 club 表；缺省或 xq 回落 settings（现网不变）。
+    各俱乐部（含 xq）优先读 club 表；字段为空时按项回落 settings，兼容旧部署。
     """
     cid = (club_id or '').strip() or CLUB_ID_DEFAULT
     fallback = {
         'appid': getattr(settings, 'WEIXIN_APPID', ''),
         'mch_id': getattr(settings, 'WEIXIN_MCHID', ''),
         'key': getattr(settings, 'WEIXIN_SHANGHUMIYAO', ''),
-        'club_id': CLUB_ID_DEFAULT,
+        'club_id': cid,
     }
-    if cid == CLUB_ID_DEFAULT:
-        return fallback
 
     try:
         club = Club.query.get(club_id=cid)
@@ -97,7 +95,7 @@ def club_id_from_order(order_id):
 def get_wechat_v3_config(club_id=None):
     """
     微信 V3（转账/查单）配置。
-    多 club 读 club 表；缺省或 xq 回落 settings.WECHAT_PAY_V3_CONFIG。
+    各俱乐部（含 xq）优先读 club 表；字段为空时按项回落 settings.WECHAT_PAY_V3_CONFIG。
     """
     cid = (club_id or '').strip() or CLUB_ID_DEFAULT
     wx = dict(getattr(settings, 'WECHAT_PAY_V3_CONFIG', {}) or {})
@@ -109,10 +107,8 @@ def get_wechat_v3_config(club_id=None):
         'API_V3_KEY': wx.get('API_V3_KEY', ''),
         'PLATFORM_CERT_DIR': wx.get('PLATFORM_CERT_DIR', ''),
         'TRANSFER_SCENE_ID': wx.get('TRANSFER_SCENE_ID', '1005'),
-        'club_id': CLUB_ID_DEFAULT,
+        'club_id': cid,
     }
-    if cid == CLUB_ID_DEFAULT:
-        return fallback
 
     try:
         club = Club.query.get(club_id=cid)
diff --git a/orders/views/payment.py b/orders/views/payment.py
index c3d287c..43c48bf 100644
--- a/orders/views/payment.py
+++ b/orders/views/payment.py
@@ -541,7 +541,9 @@ class PaymentVerifyView(APIView):
 
                 try:
                     # 调用微信订单查询接口
-                    trade_state, transaction_id = self._query_wechat_payment(dingdanid)
+                    trade_state, transaction_id = self._query_wechat_payment(
+                        dingdanid, club_id=getattr(dingdan, 'ClubID', None),
+                    )
 
                     if trade_state == 'SUCCESS':
                         # 支付成功，执行本地更新
@@ -682,14 +684,16 @@ class PaymentVerifyView(APIView):
             except Exception as e:
                 logger.error(f'订单收支统计失败 {dingdan.OrderID}: {e}', exc_info=True)
 
-    def _query_wechat_payment(self, out_trade_no):
+    def _query_wechat_payment(self, out_trade_no, club_id=None):
         """
         调用微信支付订单查询接口，返回 (trade_state, transaction_id)
         若查询失败，抛出异常
         """
-        appid = settings.WEIXIN_APPID
-        mch_id = settings.WEIXIN_MCHID
-        key = settings.WEIXIN_SHANGHUMIYAO
+        from jituan.services.wechat_pay import club_id_from_order, get_wechat_v2_config
+        pay_cfg = get_wechat_v2_config(club_id or club_id_from_order(out_trade_no))
+        appid = pay_cfg['appid']
+        mch_id = pay_cfg['mch_id']
+        key = pay_cfg['key']
         nonce_str = self._generate_nonce_str()
 
         params = {