diff --git a/yonghu/tixian_shenhe_services.py b/yonghu/tixian_shenhe_services.py
index e4dec73..fdff841 100644
--- a/yonghu/tixian_shenhe_services.py
+++ b/yonghu/tixian_shenhe_services.py
@@ -45,6 +45,16 @@ logger = logging.getLogger('yonghu.tixian_shenhe')
 
 ORDER_STATUS_COMPLETED = 3
 ORDER_STATUS_REFUNDED = 5
+# 打手已抢到、正在服务中的订单状态（抢单成功后写入）
+ORDER_STATUS_IN_SERVICE = 2
+
+
+def _has_in_service_order(yonghuid: str) -> bool:
+    """仅「接单中」订单才限制收款/相关操作。"""
+    return Dingdan.objects.filter(
+        jiedan_dashou_id=yonghuid,
+        zhuangtai=ORDER_STATUS_IN_SERVICE,
+    ).exists()
 
 LEIXING_RATE_KEY = {
     1: '5',
@@ -320,8 +330,7 @@ def validate_withdraw_eligibility(user_main, leixing, jine, balance_check_amount
 def validate_collect_eligibility(user_main, leixing):
     """
     收款前二次校验（申请时已扣款，不再校余额/金额）。
-    打手佣金/押金：罚单、封禁、接单中、积分、会员等；
-    其他身份：账号状态、罚单/订单等（不含金额）。
+    打手佣金/押金：订单限制仅「接单中」(zhuangtai=2) 才拦截；其它订单状态不拦。
     """
     yonghuid = user_main.yonghuid
 
@@ -337,8 +346,9 @@ def validate_collect_eligibility(user_main, leixing):
             return False, '您不是打手身份，无法收款'
         if dashou.zhanghaozhuangtai != 1:
             return False, '打手账号已被封禁，无法收款'
-        if dashou.zhuangtai != 1:
-            return False, '您有订单进行中，请完成后再收款'
+        # 仅真正接单中的订单拦截；待结单/其它非完成态不再拦
+        if _has_in_service_order(yonghuid):
+            return False, '您有接单中的订单，请完成后再收款'
         return True, ''
 
     if leixing == 5:
@@ -348,13 +358,8 @@ def validate_collect_eligibility(user_main, leixing):
             return False, '您不是打手身份，无法收款'
         if dashou.zhanghaozhuangtai != 1:
             return False, '打手账号已禁用，无法收款'
-        if dashou.zhuangtai != 1:
-            return False, '您有订单进行中，请完成后再收款'
-        unfinished = Dingdan.objects.filter(
-            jiedan_dashou_id=yonghuid,
-        ).exclude(zhuangtai__in=[ORDER_STATUS_COMPLETED, ORDER_STATUS_REFUNDED]).exists()
-        if unfinished:
-            return False, '您还有未完成或未退款的订单，无法收款'
+        if _has_in_service_order(yonghuid):
+            return False, '您有接单中的订单，请完成后再收款'
         self_fadan = Fadan.objects.filter(beichufa_id=yonghuid).exclude(zhuangtai__in=[2, 4]).exists()
         if self_fadan:
             return False, '您有未处理完毕的自身罚单，无法收款'