diff --git a/internal/service/client_order/service.go b/internal/service/client_order/service.go
index 8f9a019..8cd3944 100644
--- a/internal/service/client_order/service.go
+++ b/internal/service/client_order/service.go
@@ -112,7 +112,8 @@ func (s *Service) CreateOrder(ctx context.Context, customerID uint, req *dto.Cli
 		return nil, err
 	}
 
-	if packagesNeedRealname(validationResult.Packages) && assetInfo.RealNameStatus != constants.RealNameStatusVerified {
+	// REALNAME-03: 按卡类型判断实名需求，普通卡需要实名，行业卡不需要
+	if assetInfo.CardCategory == "normal" && assetInfo.RealNameStatus != constants.RealNameStatusVerified {
 		return nil, errors.New(errors.CodeNeedRealname)
 	}
 
@@ -616,15 +617,6 @@ func resolveSellerShopID(result *purchase_validation.PurchaseValidationResult) u
 	return 0
 }
 
-func packagesNeedRealname(packages []*model.Package) bool {
-	for _, pkg := range packages {
-		if pkg != nil && pkg.EnableRealnameActivation {
-			return true
-		}
-	}
-	return false
-}
-
 func extractPackageIDs(packages []*model.Package) []uint {
 	ids := make([]uint, 0, len(packages))
 	for _, pkg := range packages {