diff --git a/server/cmd/server/main.go b/server/cmd/server/main.go
index 6388c3b..c1bfdd4 100644
--- a/server/cmd/server/main.go
+++ b/server/cmd/server/main.go
@@ -306,6 +306,9 @@ func mountV1(r chi.Router, sqlDB *sql.DB, rdb *redis.Client, nodeSvc *nodes.Serv
 	if payBase := os.Getenv("PAY_BASE_URL"); payBase != "" {
 		paySystem := getenvDefault("PAY_BIZ_SYSTEM", "pangolin")
 		paySecret := os.Getenv("PAY_BIZ_SECRET")
+		if paySecret == "" {
+			log.Fatal("PAY_BASE_URL 已设置但 PAY_BIZ_SECRET 为空,支付线将无法验签,拒绝启动")
+		}
 		payClient := pay.NewClient(payBase, paySystem, paySecret)
 		payStore := pay.NewStore(sqlDB)
 		payHandler = pay.NewHandler(payClient, payStore, sqlDB)
diff --git a/server/internal/pay/store.go b/server/internal/pay/store.go
index 99b4585..f0bcdf0 100644
--- a/server/internal/pay/store.go
+++ b/server/internal/pay/store.go
@@ -78,12 +78,14 @@ func (s *Store) LockByOutTradeNoTx(ctx context.Context, tx *sql.Tx, outTradeNo s
 }
 
 // InsertFromWebhookTx 兜底补台账(下单后本地写失败的孤儿单,webhook 按 biz_ref 修复)。
+// 注意:webhookEvent payload 无 method 字段(用户选的支付方式,如 alipay/wxpay)可复原,
+// 只有 channel(结算渠道);method 留空,不能拿 channel 冒充——语义不同,避免台账观感误导。
 func (s *Store) InsertFromWebhookTx(ctx context.Context, tx *sql.Tx, userID int64, bizRef, sku, outTradeNo, channel string) (int64, error) {
 	now := time.Now().UTC()
 	res, err := tx.ExecContext(ctx,
 		`INSERT INTO pay_purchases (user_id, biz_ref, sku, out_trade_no, method, status, channel, created_at, updated_at)
 		 VALUES (?, ?, ?, ?, ?, 'created', ?, ?, ?)`,
-		userID, bizRef, sku, outTradeNo, channel, channel, now, now)
+		userID, bizRef, sku, outTradeNo, "", channel, now, now)
 	if err != nil {
 		return 0, fmt.Errorf("pay.Store.InsertFromWebhookTx: %w", err)
 	}
diff --git a/server/internal/pay/testutil_test.go b/server/internal/pay/testutil_test.go
index 7d1ea24..0e489c5 100644
--- a/server/internal/pay/testutil_test.go
+++ b/server/internal/pay/testutil_test.go
@@ -29,12 +29,19 @@ func openMigratedSQLite(t *testing.T) *sql.DB {
 // seedUser 造最小 users 行(列以 codes/sqlite_helper_test.go::seedUser 为准,
 // 实现时照抄那份 INSERT——含 uuid/email/pw_hash/dp_uuid 等 NOT NULL 列)。
 func seedUser(t *testing.T, db *sql.DB, id int64, uuid string) {
+	t.Helper()
+	seedUserWithStatus(t, db, id, uuid, "active")
+}
+
+// seedUserWithStatus 同 seedUser,可指定 status(如 'suspended')——用于测试兜底路径
+// 不得因用户被停用而拒绝补行开通(钱已实收,见 webhook.go settle 兜底分支的注释)。
+func seedUserWithStatus(t *testing.T, db *sql.DB, id int64, uuid, status string) {
 	t.Helper()
 	_, err := db.Exec(
 		`INSERT INTO users (id, uuid, email, pw_hash, dp_uuid, status, created_at)
-		 VALUES (?, ?, ?, 'x', ?, 'active', ?)`,
-		id, uuid, uuid+"@t.local", uuid, time.Now().UTC())
+		 VALUES (?, ?, ?, 'x', ?, ?, ?)`,
+		id, uuid, uuid+"@t.local", uuid, status, time.Now().UTC())
 	if err != nil {
-		t.Fatalf("seedUser: %v", err)
+		t.Fatalf("seedUserWithStatus: %v", err)
 	}
 }
diff --git a/server/internal/pay/webhook.go b/server/internal/pay/webhook.go
index fd900a6..a91de4d 100644
--- a/server/internal/pay/webhook.go
+++ b/server/internal/pay/webhook.go
@@ -84,6 +84,7 @@ func (h *WebhookHandler) ServeHTTP(w http.ResponseWriter, r *http.Request) {
 	}
 	if ev.EventType != "payment.succeeded" {
 		// 事件白名单外(pay 侧只应配 payment.succeeded):确认不处理,免重投。
+		slog.Warn("pay webhook: 未知事件已 ack 未处理", "event_type", ev.EventType, "out_trade_no", ev.OutTradeNo)
 		writeSuccess(w)
 		return
 	}
@@ -141,8 +142,10 @@ func (h *WebhookHandler) settle(ctx context.Context, ev *webhookEvent) error {
 	switch {
 	case err == sql.ErrNoRows:
 		// 台账缺行(下单后本地写失败)→ 按 biz_ref=用户 uuid 兜底定位补建。
+		// 与正常路径(row.UserID 直接开通,不看 user 状态)对齐:钱已实收,
+		// 兜底定位不应因用户被停用(suspended)而拒绝开通——否则静默丢钱。
 		if err := h.db.QueryRowContext(ctx,
-			`SELECT id FROM users WHERE uuid = ? AND status = 'active'`, ev.BizRef).Scan(&userID); err != nil {
+			`SELECT id FROM users WHERE uuid = ?`, ev.BizRef).Scan(&userID); err != nil {
 			return fmt.Errorf("biz_ref %q 定位用户失败: %w", ev.BizRef, err)
 		}
 		purchaseID, err = h.store.InsertFromWebhookTx(ctx, tx, userID, ev.BizRef, ev.ProductBizCode, ev.OutTradeNo, ev.Channel)
diff --git a/server/internal/pay/webhook_sqlite_test.go b/server/internal/pay/webhook_sqlite_test.go
index 3963e57..5255d7b 100644
--- a/server/internal/pay/webhook_sqlite_test.go
+++ b/server/internal/pay/webhook_sqlite_test.go
@@ -155,6 +155,38 @@ func TestWebhook_MissingLedgerFallsBackToBizRef(t *testing.T) {
 	}
 }
 
+// 【必修·钱安全回归】台账缺行 + 目标用户已被停用(banned,如下单后被封):
+// 钱已实收,兜底路径仍须补行开通并回 SUCCESS,不能因 status 过滤而 500→死信丢钱。
+func TestWebhook_MissingLedgerFallsBackEvenWhenUserSuspended(t *testing.T) {
+	h, db, st := newWebhookRig(t)
+	// newWebhookRig 已 seedUser(id=1, uuid-1, active);这里另建一个非 active(banned)用户。
+	seedUserWithStatus(t, db, 2, "uuid-2", "banned")
+	p := succeededPayload("pay-suspended", "pro_year")
+	p["biz_ref"] = "uuid-2"
+	w := deliver(t, h, p)
+	if w.Code != http.StatusOK || !strings.Contains(w.Body.String(), "SUCCESS") {
+		t.Fatalf("停用用户兜底补行应仍成功: code=%d body=%q(未修复前会 500 并被 pay 判死信,静默丢钱)", w.Code, w.Body.String())
+	}
+	row, err := st.GetForUser(context.Background(), 2, "pay-suspended")
+	if err != nil {
+		t.Fatalf("兜底台账未建: %v", err)
+	}
+	if row.Status != "paid" || row.SKU != "pro_year" {
+		t.Fatalf("兜底行不符: %+v", row)
+	}
+	if row.Method != "" {
+		t.Errorf("method = %q, want 空(payload 无 method,不该拿 channel 冒充)", row.Method)
+	}
+	if row.Channel != "crypto" {
+		t.Errorf("channel = %q, want crypto", row.Channel)
+	}
+	var n int
+	_ = db.QueryRow(`SELECT COUNT(*) FROM subscriptions WHERE user_id = 2 AND source = 'pay'`).Scan(&n)
+	if n != 1 {
+		t.Errorf("订阅未开通: %d", n)
+	}
+}
+
 func TestWebhook_RejectsBadSignatureAndStaleTimestamp(t *testing.T) {
 	h, db, _ := newWebhookRig(t)
 	body, _ := json.Marshal(succeededPayload("pay001", "pro_month"))