diff --git a/server/cmd/server/main.go b/server/cmd/server/main.go
index fd9e54b..fda8e82 100644
--- a/server/cmd/server/main.go
+++ b/server/cmd/server/main.go
@@ -379,6 +379,9 @@ func mountV1(r chi.Router, sqlDB *sql.DB, rdb *redis.Client, nodeSvc *nodes.Serv
 			paySystem, paySecret, 5*time.Minute, 15*time.Minute)
 		payWebhook.SetRewarder(rewardSvc)
 		payWebhook.SetNoticer(noticesStore)
+		// reconcile-on-read:查单发现 pay 网关已 paid 但本地未开通时,复用 webhook 的
+		// 幂等 settle 就地开通,不干等 webhook 送达(webhook 仍作兜底)。
+		payHandler.SetSettler(payWebhook)
 	} else {
 		log.Printf("PAY_BASE_URL 未配置 — /v1/pay 支付端点不挂载")
 	}
diff --git a/server/internal/pay/handler.go b/server/internal/pay/handler.go
index 93d6fb6..cd919dd 100644
--- a/server/internal/pay/handler.go
+++ b/server/internal/pay/handler.go
@@ -1,6 +1,7 @@
 package pay
 
 import (
+	"context"
 	"database/sql"
 	"encoding/json"
 	"errors"
@@ -15,18 +16,34 @@ import (
 	"github.com/wangjia/pangolin/server/internal/auth"
 )
 
+// orderSettler 抽象 webhook 的幂等开通入口(settle),供查单对账 reconcile-on-read
+// 复用。*WebhookHandler 已满足。放接口而非直接持有 *WebhookHandler,便于测试注入。
+type orderSettler interface {
+	settle(ctx context.Context, ev *webhookEvent) error
+}
+
+// payOrderPaid 是 pay 网关订单「已支付」状态词(= pay 侧 model.OrderStatusV2 "paid",
+// 经 client.GetOrder 原样透传)。查单见此即视为款已到、可开通。改这里前先对齐 pay 契约。
+const payOrderPaid = "paid"
+
 // Handler 是面向 App 的下单代理(JWT 保护;user→biz_ref 映射在 server 侧,
 // 客户端只传 sku+method+端型 metadata,永远不传金额)。
 type Handler struct {
-	client *Client
-	store  *Store
-	db     *sql.DB
+	client  *Client
+	store   *Store
+	db      *sql.DB
+	settler orderSettler // 可选:reconcile-on-read 开通入口(见 SetSettler),nil 则退回等 webhook
 }
 
 func NewHandler(client *Client, store *Store, db *sql.DB) *Handler {
 	return &Handler{client: client, store: store, db: db}
 }
 
+// SetSettler 挂载对账开通入口(reconcile-on-read):装配后 GetOrder 在发现 pay 网关
+// 已 paid 但本地台账未开通时,就地幂等 settle 立即开通,不干等 webhook 送达
+// (webhook 仍作兜底)。为 nil 时退回旧行为(只认本地 row.Status)。
+func (h *Handler) SetSettler(s orderSettler) { h.settler = s }
+
 // allowedMetadataKeys 与 pay gateway.go 白名单一致(is_mobile/render)。
 var allowedMetadataKeys = map[string]bool{"is_mobile": true, "render": true}
 
@@ -252,6 +269,30 @@ func (h *Handler) GetOrder(w http.ResponseWriter, r *http.Request) {
 		writePayErr(w, err)
 		return
 	}
+	// reconcile-on-read:pay 网关已 paid 但本地台账还没开通(webhook 未到/漏投)→ 就地
+	// 幂等 settle 立即开通,把「等 webhook 送达」那十几秒砍成「付完下一拍查单即开通」。
+	// settle 已 paid 会短路(不会重复开通/发奖);失败仅记日志、退回旧展示,由下一拍轮询
+	// 或 webhook 兜底。channel 查单不返回 → 回退 row.Method(仅影响渠道显示,不影响开通)。
+	if h.settler != nil && st.Status == payOrderPaid && row.Status != "paid" {
+		paidAt := ""
+		if st.PaidAt != nil {
+			paidAt = st.PaidAt.UTC().Format(time.RFC3339)
+		}
+		if serr := h.settler.settle(ctx, &webhookEvent{
+			EventType:      "payment.succeeded",
+			OutTradeNo:     orderNo,
+			BizRef:         row.BizRef,
+			ProductBizCode: row.SKU,
+			AmountMinor:    st.AmountMinor,
+			Currency:       st.Currency,
+			Channel:        row.Method,
+			PaidAt:         paidAt,
+		}); serr != nil {
+			slog.Warn("pay: reconcile-on-read 开通失败(webhook 仍兜底)", "order_no", orderNo, "err", serr)
+		} else if r2, e2 := h.store.GetForUser(ctx, uid, orderNo); e2 == nil {
+			row = r2 // 反映刚开通:本拍即回 activated=true,免再等一拍
+		}
+	}
 	resp := orderStatusResponse{orderView: orderViewFromRow(row), PayStatus: st.Status, Activated: row.Status == "paid"}
 	if row.SubID.Valid {
 		if exp, err := h.store.SubscriptionExpiry(ctx, row.SubID.Int64); err == nil {
diff --git a/server/internal/pay/handler_reconcile_sqlite_test.go b/server/internal/pay/handler_reconcile_sqlite_test.go
new file mode 100644
index 0000000..dd72137
--- /dev/null
+++ b/server/internal/pay/handler_reconcile_sqlite_test.go
@@ -0,0 +1,107 @@
+package pay
+
+import (
+	"context"
+	"database/sql"
+	"encoding/json"
+	"net/http"
+	"net/http/httptest"
+	"testing"
+	"time"
+
+	"github.com/go-chi/chi/v5"
+
+	"github.com/wangjia/pangolin/server/internal/codes"
+)
+
+// reconcileRig：假 pay(查单可配)+ sqlite 台账 + 真 WebhookHandler 作 settler。
+// 验证 GetOrder 的 reconcile-on-read:pay 网关已 paid 时就地幂等开通,不干等 webhook。
+func reconcileRig(t *testing.T, payFn http.HandlerFunc) (*chi.Mux, *Store, *sql.DB) {
+	t.Helper()
+	db := openMigratedSQLite(t)
+	seedUser(t, db, 1, "uuid-1")
+	srv := fakePay(t, payFn)
+	st := NewStore(db)
+	h := NewHandler(NewClient(srv.URL, "pangolin", testSecret), st, db)
+	// 真 granter + webhook,settle 会真的开通订阅(与线上同一段逻辑)。
+	codesSvc := codes.NewService(codes.NewStore(db), nil, 5, time.Hour)
+	wh := NewWebhookHandler(st, codesSvc, db, nil, "pangolin", testSecret, 5*time.Minute, 15*time.Minute)
+	h.SetSettler(wh)
+	r := chi.NewRouter()
+	r.Get("/v1/pay/orders/{orderNo}", h.GetOrder)
+	return r, st, db
+}
+
+func getOrder(t *testing.T, router *chi.Mux, orderNo string, uid int64) (int, bool) {
+	t.Helper()
+	w := httptest.NewRecorder()
+	router.ServeHTTP(w, authed(httptest.NewRequest(http.MethodGet, "/v1/pay/orders/"+orderNo, nil), uid))
+	var resp struct {
+		Activated bool `json:"activated"`
+	}
+	_ = json.Unmarshal(w.Body.Bytes(), &resp)
+	return w.Code, resp.Activated
+}
+
+// 网关已 paid、本地还 created → 查单即就地开通(activated=true、台账翻 paid、订阅真授予);
+// 且重复轮询幂等:再查一次不二次开通(仍 1 条订阅)。
+func TestGetOrder_ReconcileOnRead_ActivatesWhenGatewayPaid(t *testing.T) {
+	router, st, db := reconcileRig(t, func(w http.ResponseWriter, _ *http.Request) {
+		_, _ = w.Write([]byte(`{"data":{"order_no":"pay001","status":"paid",
+			"subject":"Pro","amount_minor":2999,"currency":"CNY"}}`))
+	})
+	ctx := context.Background()
+	if err := st.Insert(ctx, 1, "uuid-1", "pro_month", "pay001", "alipay", 2999, "CNY"); err != nil {
+		t.Fatal(err)
+	}
+
+	code, activated := getOrder(t, router, "pay001", 1)
+	if code != http.StatusOK || !activated {
+		t.Fatalf("首查应就地开通:code=%d activated=%v", code, activated)
+	}
+
+	row, err := st.GetForUser(ctx, 1, "pay001")
+	if err != nil || row.Status != "paid" {
+		t.Fatalf("本地台账应已翻 paid: row=%+v err=%v", row, err)
+	}
+	var n int
+	if err := db.QueryRow(`SELECT COUNT(*) FROM subscriptions WHERE user_id=1 AND source='pay'`).Scan(&n); err != nil {
+		t.Fatal(err)
+	}
+	if n != 1 {
+		t.Fatalf("应授予 1 条 pay 订阅,得 %d", n)
+	}
+
+	// 幂等:再查一次(轮询会持续查),不得二次开通。
+	if _, activated2 := getOrder(t, router, "pay001", 1); !activated2 {
+		t.Fatal("二次查询仍应 activated")
+	}
+	_ = db.QueryRow(`SELECT COUNT(*) FROM subscriptions WHERE user_id=1 AND source='pay'`).Scan(&n)
+	if n != 1 {
+		t.Fatalf("重复轮询不得二次开通,订阅数 = %d, want 1", n)
+	}
+}
+
+// 网关仍 pending → 不开通(activated=false、无订阅);证明只有 paid 才触发对账。
+func TestGetOrder_ReconcileOnRead_SkipsWhenGatewayPending(t *testing.T) {
+	router, st, db := reconcileRig(t, func(w http.ResponseWriter, _ *http.Request) {
+		_, _ = w.Write([]byte(`{"data":{"order_no":"pay001","status":"pending","currency":"CNY"}}`))
+	})
+	ctx := context.Background()
+	if err := st.Insert(ctx, 1, "uuid-1", "pro_month", "pay001", "alipay", 2999, "CNY"); err != nil {
+		t.Fatal(err)
+	}
+
+	if code, activated := getOrder(t, router, "pay001", 1); code != http.StatusOK || activated {
+		t.Fatalf("pending 不应开通:code=%d activated=%v", code, activated)
+	}
+	row, _ := st.GetForUser(ctx, 1, "pay001")
+	if row.Status != "created" {
+		t.Fatalf("pending 时本地台账应仍 created, got %q", row.Status)
+	}
+	var n int
+	_ = db.QueryRow(`SELECT COUNT(*) FROM subscriptions WHERE user_id=1`).Scan(&n)
+	if n != 0 {
+		t.Fatalf("pending 不得开通订阅,得 %d", n)
+	}
+}