diff --git a/internal/gateway/gateway.go b/internal/gateway/gateway.go
index 47faaf7..2ea83f7 100644
--- a/internal/gateway/gateway.go
+++ b/internal/gateway/gateway.go
@@ -72,7 +72,7 @@ type OrderResult struct {
 // account, persists a pending Order + Attempt (P1 OrderStore), and returns the
 // payment session {render_type, payload}. 加渠道不改 client(设计 §4.2)。
 func (g *Gateway) CreateOrder(ctx context.Context, in CreateOrderInput) (*OrderResult, error) {
-	amountMinor, currency, subject, _, err := g.products.Resolve(in.SKU)
+	amountMinor, currency, subject, bizCode, err := g.products.Resolve(in.SKU)
 	if err != nil {
 		return nil, err // ErrProductNotFound
 	}
@@ -93,7 +93,7 @@ func (g *Gateway) CreateOrder(ctx context.Context, in CreateOrderInput) (*OrderR
 
 	if err := g.orders.CreateOrder(&model.OrderV2{
 		OutTradeNo: outNo, BizSystem: in.BizSystem, BizRef: in.BizRef,
-		Subject: subject, AmountMinor: amountMinor, Currency: currency,
+		BizCode: bizCode, Subject: subject, AmountMinor: amountMinor, Currency: currency,
 		Status: model.OrderPendingV2,
 	}); err != nil {
 		return nil, err
diff --git a/internal/gateway/gateway_test.go b/internal/gateway/gateway_test.go
index dad3171..4ec78c7 100644
--- a/internal/gateway/gateway_test.go
+++ b/internal/gateway/gateway_test.go
@@ -81,6 +81,23 @@ func TestCreateOrderPipeline(t *testing.T) {
 	}
 }
 
+func TestCreateOrderPersistsBizCode(t *testing.T) {
+	g, _, _, orders := newGateway(t)
+	res, err := g.CreateOrder(context.Background(), gateway.CreateOrderInput{
+		SKU: "pro_year", Method: "fake", BizSystem: "pangolin", BizRef: "u-1",
+	})
+	if err != nil {
+		t.Fatalf("create: %v", err)
+	}
+	o, err := orders.GetOrder(res.OrderNo)
+	if err != nil {
+		t.Fatalf("get order: %v", err)
+	}
+	if o.BizCode != "pro_year" { // stubResolver 的 bizCode
+		t.Fatalf("order.BizCode = %q, want pro_year", o.BizCode)
+	}
+}
+
 func TestCreateOrderErrors(t *testing.T) {
 	g, _, _, _ := newGateway(t)
 	ctx := context.Background()
diff --git a/internal/gateway/settle.go b/internal/gateway/settle.go
index d19476c..0e1f46a 100644
--- a/internal/gateway/settle.go
+++ b/internal/gateway/settle.go
@@ -82,14 +82,15 @@ func (g *Gateway) enqueuePaymentSucceeded(att *model.Attempt, paidAt time.Time)
 		return nil // 独立收款无业务方回调;或已翻转/已取消
 	}
 	data := map[string]any{
-		"event_type":   "payment.succeeded",
-		"out_trade_no": o.OutTradeNo,
-		"biz_system":   o.BizSystem,
-		"biz_ref":      o.BizRef,
-		"amount_minor": o.AmountMinor,
-		"currency":     o.Currency,
-		"channel":      att.Channel,
-		"paid_at":      paidAt.Format(time.RFC3339),
+		"event_type":       "payment.succeeded",
+		"out_trade_no":     o.OutTradeNo,
+		"biz_system":       o.BizSystem,
+		"biz_ref":          o.BizRef,
+		"product_biz_code": o.BizCode, // 设计 §5:业务方按套餐码映射权益(时长/档位),不硬编码 product_id
+		"amount_minor":     o.AmountMinor,
+		"currency":         o.Currency,
+		"channel":          att.Channel,
+		"paid_at":          paidAt.Format(time.RFC3339),
 	}
 	return g.webhook.Enqueue(o.OutTradeNo, o.BizSystem, "payment.succeeded", data)
 }
diff --git a/internal/gateway/settle_test.go b/internal/gateway/settle_test.go
index f040bb9..a996465 100644
--- a/internal/gateway/settle_test.go
+++ b/internal/gateway/settle_test.go
@@ -53,6 +53,29 @@ func TestSettleHappyIdempotentAndWebhook(t *testing.T) {
 	}
 }
 
+func TestSettleWebhookCarriesProductBizCode(t *testing.T) {
+	g, fp, spy, orders := newGateway(t)
+	ctx := context.Background()
+	res, _ := g.CreateOrder(ctx, gateway.CreateOrderInput{
+		SKU: "pro_year", Method: "fake", BizSystem: "pangolin", BizRef: "u-9",
+	})
+	ref := attemptRef(t, orders)
+	fp.SetQueryResult(ref, provider.PaidEvent{
+		ProviderRef: ref, Status: provider.PaidSucceeded,
+		PaidAmountMinor: 29990000, PaidCurrency: "USDT",
+	})
+	if _, err := g.SyncPendingAttempts(ctx, 10); err != nil {
+		t.Fatalf("sync: %v", err)
+	}
+	if len(spy.calls) != 1 {
+		t.Fatalf("want 1 webhook, got %d", len(spy.calls))
+	}
+	if spy.calls[0]["product_biz_code"] != "pro_year" {
+		t.Fatalf("payload product_biz_code = %v, want pro_year", spy.calls[0]["product_biz_code"])
+	}
+	_ = res
+}
+
 func TestSettleGuards(t *testing.T) {
 	g, _, spy, orders := newGateway(t)
 	ctx := context.Background()
diff --git a/internal/model/v2.go b/internal/model/v2.go
index 1aa6547..b73afb6 100644
--- a/internal/model/v2.go
+++ b/internal/model/v2.go
@@ -47,6 +47,7 @@ type OrderV2 struct {
 	BizSystem  string `gorm:"index;size:32"` // 接入方(pangolin/jiu),空=独立收款
 	BizRef     string `gorm:"size:128"`      // 接入方业务单号,回调原样带回
 	ProductID  uint64 `gorm:"index"`
+	BizCode    string `gorm:"index;size:64"` // 套餐码副本(下单时从 product 复制),回调带回业务方按码映射权益(设计 §5)
 	Subject    string `gorm:"size:128"`
 	// 金额:int64 最小单位 + 币种(presentment/charge/settlement 三态在 charge 落地此处)
 	AmountMinor int64         `gorm:"not null"`
@@ -74,7 +75,7 @@ type Attempt struct {
 	AmountMinor int64         `gorm:"not null"`
 	Currency    string        `gorm:"size:16;not null"`
 	Status      AttemptStatus `gorm:"index;size:16;not null"`
-	ExpiresAt   *time.Time // 本次尝试超时
+	ExpiresAt   *time.Time    // 本次尝试超时
 	PaidAt      *time.Time
 }