diff --git a/internal/infrastructure/payment/wechat_web.go b/internal/infrastructure/payment/wechat_web.go
index feecfbdf..bf7384b3 100644
--- a/internal/infrastructure/payment/wechat_web.go
+++ b/internal/infrastructure/payment/wechat_web.go
@@ -47,6 +47,18 @@ func (a *WechatWebAdapter) CreatePaymentURL(ctx context.Context, request agentre
 		PayerClientIP: request.PayerClientIP,
 		H5Type:        "Wap",
 	})
+	// 微信明确拒绝（订单未创建）：记失败并返回真实原因，调用方立即关单；
+	// 用"微信配置不可用"错误码，不触发支付失败自动停用商户（如 H5 产品未开通不影响该商户的公众号支付）。
+	var bizErr *wechatpay.V2BusinessError
+	if stderrors.As(callErr, &bizErr) {
+		if _, err = a.integration.Complete(ctx, attempt.IntegrationID, integrationlog.Completion{
+			Result: constants.IntegrationResultFailed, ProviderCode: bizErr.Code, ProviderMessage: bizErr.Message,
+			ResponseSummary: map[string]any{"success": false}, DurationMS: time.Since(startedAt).Milliseconds(),
+		}); err != nil {
+			return agentrecharge.OnlinePaymentResult{}, err
+		}
+		return agentrecharge.OnlinePaymentResult{}, apperrors.New(apperrors.CodeWechatConfigUnavailable, bizErr.Error())
+	}
 	if callErr != nil {
 		return agentrecharge.OnlinePaymentResult{}, a.completeUnknown(ctx, attempt.IntegrationID, startedAt, callErr)
 	}
diff --git a/pkg/wechat/payment_v2.go b/pkg/wechat/payment_v2.go
index f3eafb0b..1a0c662d 100644
--- a/pkg/wechat/payment_v2.go
+++ b/pkg/wechat/payment_v2.go
@@ -85,6 +85,35 @@ type v2UnifiedOrderResponse struct {
 	MwebURL    string   `xml:"mweb_url"`
 }
 
+// V2BusinessError 是微信 v2 统一下单明确返回业务失败（result_code=FAIL），订单未在微信侧创建。
+// 调用方据此直接报真实原因并关闭本地订单，而不是按"结果未知"等待查单。
+type V2BusinessError struct {
+	Code    string
+	Message string
+}
+
+func (e *V2BusinessError) Error() string {
+	return fmt.Sprintf("微信支付下单被拒绝：%s（%s）", e.Message, e.Code)
+}
+
+// v2UnifiedOrderUncertainCodes 是业务失败但订单可能已存在或结果不确定的错误码，仍按结果未知处理。
+var v2UnifiedOrderUncertainCodes = map[string]bool{"ORDERPAID": true, "OUT_TRADE_NO_USED": true, "SYSTEMERROR": true}
+
+// v2BusinessFailure 判断统一下单响应是否为明确的业务失败；只有签名校验通过的响应才认定，避免伪造响应误关单。
+func v2BusinessFailure(resp v2UnifiedOrderResponse, respBytes []byte, apiKey string) *V2BusinessError {
+	if resp.ReturnCode != "SUCCESS" || resp.ResultCode != "FAIL" || resp.ErrCode == "" || v2UnifiedOrderUncertainCodes[resp.ErrCode] {
+		return nil
+	}
+	if verifyV2ResponseSign(respBytes, apiKey) != nil {
+		return nil
+	}
+	message := resp.ErrCodeDes
+	if message == "" {
+		message = resp.ErrCode
+	}
+	return &V2BusinessError{Code: resp.ErrCode, Message: message}
+}
+
 // v2OrderQueryRequest 商户订单号查单请求（v2 XML 格式）
 type v2OrderQueryRequest struct {
 	XMLName    xml.Name `xml:"xml"`
@@ -266,6 +295,9 @@ func (s *PaymentV2Service) CreateH5Order(ctx context.Context, orderNo, descripti
 	if resp.ReturnCode != "SUCCESS" || resp.ResultCode != "SUCCESS" || resp.MwebURL == "" {
 		s.logger.Error("微信 v2 MWEB 统一下单失败", zap.String("order_no", orderNo), zap.String("return_code", resp.ReturnCode),
 			zap.String("return_msg", resp.ReturnMsg), zap.String("result_code", resp.ResultCode), zap.String("err_code", resp.ErrCode), zap.String("err_code_des", resp.ErrCodeDes))
+		if bizErr := v2BusinessFailure(resp, respBytes, s.apiKey); bizErr != nil {
+			return nil, bizErr
+		}
 		return nil, errors.New(errors.CodeWechatPayFailed, "创建 H5 支付订单失败")
 	}
 	if err = verifyV2ResponseSign(respBytes, s.apiKey); err != nil {
diff --git a/pkg/wechat/payment_v2_business_error_test.go b/pkg/wechat/payment_v2_business_error_test.go
new file mode 100644
index 00000000..bdd1b58e
--- /dev/null
+++ b/pkg/wechat/payment_v2_business_error_test.go
@@ -0,0 +1,51 @@
+package wechat
+
+import (
+	"encoding/xml"
+	"fmt"
+	"testing"
+)
+
+func signedUnifiedOrderResponse(apiKey string, fields map[string]string) ([]byte, v2UnifiedOrderResponse) {
+	fields["sign"] = v2SignMD5(fields, apiKey)
+	body := "<xml>"
+	for key, value := range fields {
+		body += fmt.Sprintf("<%s><![CDATA[%s]]></%s>", key, value, key)
+	}
+	body += "</xml>"
+	var resp v2UnifiedOrderResponse
+	_ = xml.Unmarshal([]byte(body), &resp)
+	return []byte(body), resp
+}
+
+func TestV2BusinessFailure(t *testing.T) {
+	const key = "test-api-key-0123456789abcdef01234"
+	noauth := map[string]string{"return_code": "SUCCESS", "return_msg": "OK", "result_code": "FAIL",
+		"err_code": "NOAUTH", "err_code_des": "商户号该产品权限未开通", "nonce_str": "n1"}
+	body, resp := signedUnifiedOrderResponse(key, noauth)
+	got := v2BusinessFailure(resp, body, key)
+	if got == nil || got.Code != "NOAUTH" || got.Message != "商户号该产品权限未开通" {
+		t.Fatalf("NOAUTH should be explicit failure, got %+v", got)
+	}
+	if got.Error() != "微信支付下单被拒绝：商户号该产品权限未开通（NOAUTH）" {
+		t.Fatalf("unexpected message %q", got.Error())
+	}
+
+	if v2BusinessFailure(resp, body, "wrong-key-0123456789abcdef0123456") != nil {
+		t.Fatal("unsigned / wrongly signed response must not be treated as explicit failure")
+	}
+
+	for _, code := range []string{"ORDERPAID", "OUT_TRADE_NO_USED", "SYSTEMERROR"} {
+		fields := map[string]string{"return_code": "SUCCESS", "result_code": "FAIL", "err_code": code, "nonce_str": "n2"}
+		b, r := signedUnifiedOrderResponse(key, fields)
+		if v2BusinessFailure(r, b, key) != nil {
+			t.Fatalf("%s must stay uncertain", code)
+		}
+	}
+
+	commFail := map[string]string{"return_code": "FAIL", "return_msg": "签名错误", "nonce_str": "n3"}
+	b, r := signedUnifiedOrderResponse(key, commFail)
+	if v2BusinessFailure(r, b, key) != nil {
+		t.Fatal("return_code FAIL is a communication failure, not an explicit business failure")
+	}
+}