diff --git a/jituan/management/commands/wx_v3_pay_diag.py b/jituan/management/commands/wx_v3_pay_diag.py
index 2497a0e..07efcad 100644
--- a/jituan/management/commands/wx_v3_pay_diag.py
+++ b/jituan/management/commands/wx_v3_pay_diag.py
@@ -19,7 +19,7 @@ class Command(BaseCommand):
     help = '诊断微信 V3 提现签名：私钥、证书序列号、商户号是否一致'
 
     def add_arguments(self, parser):
-        parser.add_argument('--club', default=CLUB_ID_DEFAULT, help='俱乐部 ID，默认 xq')
+        parser.add_argument('--club', default=CLUB_ID_DEFAULT, help='俱乐部 ID：xq 或 xzj')
 
     def handle(self, *args, **options):
         club_id = (options.get('club') or CLUB_ID_DEFAULT).strip()
diff --git a/jituan/services/wechat_pay.py b/jituan/services/wechat_pay.py
index 1bd7422..ceff180 100644
--- a/jituan/services/wechat_pay.py
+++ b/jituan/services/wechat_pay.py
@@ -20,6 +20,9 @@ XQ_WX_PAY = {
     'wx_appid': 'wx0e4be86faac4a8d1',
 }
 
+# 与星阙共用同一微信商户号/证书目录的俱乐部（AppID 各读各的 club 表）
+SHARED_WX_MERCHANT_CLUBS = frozenset({CLUB_ID_DEFAULT, 'xzj'})
+
 # 兼容旧引用
 WX_V3_CERT_SERIAL_NO_OVERRIDE = XQ_WX_PAY['cert_serial_no']
 
@@ -161,7 +164,7 @@ def _resolve_v2_mch_key(club, cfg_json, fallback_key, club_id=None):
         if val:
             return val, f'club.config_json.{field}'
     cid = (club_id or '').strip() or CLUB_ID_DEFAULT
-    if cid == CLUB_ID_DEFAULT and XQ_WX_PAY['mch_key']:
+    if cid in SHARED_WX_MERCHANT_CLUBS and XQ_WX_PAY['mch_key']:
         return XQ_WX_PAY['mch_key'], 'XQ_WX_PAY.mch_key'
     fb = (fallback_key or '').strip()
     if fb:
@@ -209,9 +212,10 @@ def get_wechat_v2_config(club_id=None):
             cid,
         )
         appid = ''
+    pay_fb = XQ_WX_PAY if cid in SHARED_WX_MERCHANT_CLUBS else {}
     mch_id = (
         _pick_club_field(club, cfg_json, 'mch_id')
-        or (XQ_WX_PAY['mch_id'] if cid == CLUB_ID_DEFAULT else '')
+        or pay_fb.get('mch_id', '')
         or fallback['mch_id']
     )
 
@@ -372,14 +376,14 @@ def get_wechat_v3_config(club_id=None):
     except Club.DoesNotExist:
         logger.warning('club %s 不存在，使用星阙兜底或路径默认', cid)
 
-    xq = XQ_WX_PAY if cid == CLUB_ID_DEFAULT else {}
+    xq = XQ_WX_PAY if cid in SHARED_WX_MERCHANT_CLUBS else {}
 
     mch_id = _pick_club_field(club, cfg_json, 'mch_id') or xq.get('mch_id', '')
     api_v3_key = _pick_club_field(club, cfg_json, 'api_v3_key') or xq.get('api_v3_key', '')
 
-    # 星阙私钥路径固定用 settings（club 表可能填了旧商户 1746545364 的证书路径）
+    # 共用商户的俱乐部：私钥/证书目录与星阙相同（settings 路径 + 同目录 apiclient_cert.pem）
     private_key_path = path_defaults['PRIVATE_KEY_PATH']
-    if cid != CLUB_ID_DEFAULT:
+    if cid not in SHARED_WX_MERCHANT_CLUBS:
         private_key_path = (
             _pick_club_field(club, cfg_json, 'private_key_path')
             or private_key_path
@@ -395,8 +399,8 @@ def get_wechat_v3_config(club_id=None):
     )
 
     appid = get_club_miniapp_appid(club) if club else ''
-    if not appid and cid == CLUB_ID_DEFAULT:
-        appid = xq.get('wx_appid', '')
+    if not appid and cid in SHARED_WX_MERCHANT_CLUBS:
+        appid = xq.get('wx_appid', '') if cid == CLUB_ID_DEFAULT else ''
 
     # 序列号必须从与私钥配对的 apiclient_cert.pem 读取，禁止盲用数据库/写死值
     cert_serial = resolve_merchant_cert_serial(private_key_path, '')