diff --git a/App.vue b/App.vue
index c3ef3d7..676a304 100644
--- a/App.vue
+++ b/App.vue
@@ -1,7 +1,10 @@
 <script setup lang="ts">
 	import { onLaunch, onShow } from '@dcloudio/uni-app'
 	import { APP_CONFIG, DEFAULT_MERCHANT } from '@/config'
-	import { captureMerchantUrlFromLaunchOptions } from '@/utils/merchant-context'
+	import {
+		captureMerchantUrlFromLaunchOptions,
+		redirectToPayIfMerchantUrl
+	} from '@/utils/merchant-context'
 	import { VersionUpdate } from '@/utils/common'
 
 	// 定义全局数据
@@ -18,11 +21,17 @@
 	// @ts-ignore
 	uni.$globalData = $globalData
 
+	/** 直接进 → 个人中心；扫码有商家码 → 跳收款页 */
+	const handleLaunchEntry = (options: Record<string, any> = {}) => {
+		const merchantUrl = captureMerchantUrlFromLaunchOptions(options)
+		redirectToPayIfMerchantUrl(merchantUrl, options)
+	}
+
 	onLaunch((options) => {
-		captureMerchantUrlFromLaunchOptions(options || {})
+		handleLaunchEntry(options || {})
 	})
 	onShow((options) => {
-		captureMerchantUrlFromLaunchOptions(options || {})
+		handleLaunchEntry(options || {})
 		// 检测小程序热更新
 		// #ifdef MP-WEIXIN
 		VersionUpdate()
diff --git a/pages.json b/pages.json
index 44be0cb..4699222 100644
--- a/pages.json
+++ b/pages.json
@@ -1,11 +1,19 @@
 {
 	"pages": [
+		{
+			"path": "pages/mine/index",
+			"style": {
+				"enablePullDownRefresh": true,
+				"navigationBarTextStyle": "black",
+				"navigationBarTitleText": "卓享汇服务"
+			}
+		},
 		{
 			"path": "pages/pay/pay",
 			"style": {
 				"enablePullDownRefresh": false,
 				"navigationBarTextStyle": "black",
-				"navigationBarTitleText": "卓享汇收银台"
+				"navigationBarTitleText": "卓享汇服务"
 			}
 		},
 		{
@@ -34,14 +42,6 @@
 				"navigationBarTitleText": "付款记录"
 			}
 		},
-		{
-			"path": "pages/mine/index",
-			"style": {
-				"enablePullDownRefresh": true,
-				"navigationBarTextStyle": "black",
-				"navigationBarTitleText": "个人中心"
-			}
-		},
 		{
 			"path": "pages/mine/score-records",
 			"style": {
@@ -61,7 +61,7 @@
 	],
 	"globalStyle": {
 		"navigationBarTextStyle": "black",
-		"navigationBarTitleText": "卓享汇收银台",
+		"navigationBarTitleText": "卓享汇服务",
 		"navigationBarBackgroundColor": "#FFFFFF",
 		"backgroundColor": "#F4F6F8"
 	},
diff --git a/pages/mine/index.vue b/pages/mine/index.vue
index bd5fccf..b7436b2 100644
--- a/pages/mine/index.vue
+++ b/pages/mine/index.vue
@@ -5,6 +5,7 @@
 			<text class="score-value">¥ {{ platformScoreText }}</text>
 		</view>
 
+		<!-- #ifndef MP-ALIPAY -->
 		<view class="fund-card" hover-class="fund-card-hover" @tap="goPropertyFund">
 			<view class="fund-card-left">
 				<image class="fund-icon-image" :src="fundIconUrl" mode="aspectFit" />
@@ -18,6 +19,7 @@
 				<text class="ri-arrow-right-s-line fund-action-arrow"></text>
 			</view>
 		</view>
+		<!-- #endif -->
 
 		<view class="menu-card">
 			<view class="menu-item" hover-class="menu-item-hover" @tap="goRecords">
@@ -36,17 +38,16 @@
 import { ref } from 'vue';
 import { onPullDownRefresh, onShow } from '@dcloudio/uni-app';
 import { platformScore } from '@/api/cashier';
-import { resolveLoginPlatform } from '@/api/auth';
+// #ifndef MP-ALIPAY
 import { APP_CONFIG, PROPERTY_APP } from '@/config';
-
-const IS_ALIPAY = resolveLoginPlatform() === 'mp-alipay';
+// #endif
 
 const platformScoreText = ref('0.00');
 const loading = ref(false);
+// #ifndef MP-ALIPAY
 const fundIconUrl = `${APP_CONFIG.PROPERTY_IMG_URL}property/new/cashier/fangwu.png`;
-const propertyFundDesc = IS_ALIPAY
-	? `请前往微信「${PROPERTY_APP.WECHAT_NAME}」查看`
-	: '查看我的物业基金余额';
+const propertyFundDesc = '查看我的物业基金余额';
+// #endif
 
 const loadPlatformScore = async () => {
 	const response = await platformScore();
@@ -72,56 +73,8 @@ const refreshPage = async () => {
 	}
 };
 
-const copyPropertyWechatName = () => {
-	uni.setClipboardData({
-		data: PROPERTY_APP.WECHAT_NAME,
-		success: () => {
-			uni.showToast({
-				title: '已复制，请到微信搜索',
-				icon: 'none'
-			});
-		},
-		fail: () => {
-			uni.showToast({
-				title: '复制失败，请手动搜索',
-				icon: 'none'
-			});
-		}
-	});
-};
-
-const showPropertyFundWechatTip = () => {
-	uni.showModal({
-		title: '查看物业基金',
-		content: `请打开微信，搜索并进入「${PROPERTY_APP.WECHAT_NAME}」小程序，在「我的」中查看物业基金。`,
-		cancelText: '知道了',
-		confirmText: '复制名称',
-		success: (res) => {
-			if (res.confirm) {
-				copyPropertyWechatName();
-			}
-		}
-	});
-};
-
+// #ifndef MP-ALIPAY
 const goPropertyFund = () => {
-	if (IS_ALIPAY) {
-		if (PROPERTY_APP.ALIPAY_APP_ID) {
-			uni.navigateToMiniProgram({
-				appId: PROPERTY_APP.ALIPAY_APP_ID,
-				path: PROPERTY_APP.MINE_PATH,
-				extraData: { from: 'cashier' },
-				envVersion: APP_CONFIG.API_BASE_URL.includes('dev.') ? 'trial' : 'release',
-				fail: () => {
-					showPropertyFundWechatTip();
-				}
-			});
-			return;
-		}
-		showPropertyFundWechatTip();
-		return;
-	}
-
 	uni.navigateToMiniProgram({
 		appId: PROPERTY_APP.APP_ID,
 		path: PROPERTY_APP.MINE_PATH,
@@ -132,6 +85,7 @@ const goPropertyFund = () => {
 		}
 	});
 };
+// #endif
 
 const goRecords = () => {
 	uni.navigateTo({ url: '/pages/records/index' });
diff --git a/pages/pay/pay.vue b/pages/pay/pay.vue
index 1742dd6..9cfb47a 100644
--- a/pages/pay/pay.vue
+++ b/pages/pay/pay.vue
@@ -260,7 +260,7 @@ const propertyRowText = computed(() => {
 	if (propertyList.value.length) return '选择物业';
 	if (IS_ALIPAY) {
 		if (alipayPropertyUnbound.value) {
-			return `未绑定，微信搜「${PROPERTY_APP.WECHAT_NAME}」绑定房源`;
+			return `未绑定，小程序搜「${PROPERTY_APP.WECHAT_NAME}」绑房源`;
 		}
 		return '绑定手机号查看房源';
 	}
@@ -594,7 +594,7 @@ const resolvePropertyListFallback = async (merchantUrl: string) => {
 
 /**
  * 支付宝：无物业名/列表时，用 open.info 的 user_id 判断是否已绑过手机号。
- * 有 user_id → 显示「未绑定，微信搜「乐享云…」绑定房源」；否则 → 「绑定手机号查看房源」。
+ * 有 user_id → 显示「未绑定，小程序搜「乐享云…」绑房源」；否则 → 「绑定手机号查看房源」。
  */
 const resolveAlipayEmptyPropertyState = async (options: { assumeBoundIfEmpty?: boolean } = {}) => {
 	if (!IS_ALIPAY) return;
@@ -693,7 +693,7 @@ const deleteKey = () => {
 const showAlipayUnboundTip = () => {
 	uni.showModal({
 		title: '暂未绑定房源',
-		content: `请打开微信，搜索并进入「${PROPERTY_APP.WECHAT_NAME}」小程序，完成房源绑定后消费即可获得物业基金。`,
+		content: `请搜索并进入「${PROPERTY_APP.WECHAT_NAME}」小程序，完成房源绑定后消费即可获得物业基金。`,
 		showCancel: false,
 		confirmText: '知道了'
 	});
diff --git a/utils/merchant-context.ts b/utils/merchant-context.ts
index 9851c5d..022d6b9 100644
--- a/utils/merchant-context.ts
+++ b/utils/merchant-context.ts
@@ -81,17 +81,72 @@ const getLaunchQuery = () => {
 	}
 };
 
-/** App.onLaunch / App.onShow：捕获支付宝普通二维码 qrCode */
+/**
+ * App.onLaunch / App.onShow：从启动参数捕获商家码。
+ * 支持支付宝 qrCode、微信 q、以及 url / qr_url。
+ */
 export const captureMerchantUrlFromLaunchOptions = (options: Record<string, any> = {}) => {
-	const query = options.query || {};
+	const query = (options.query || {}) as Record<string, string>;
+
+	const fromDirect = resolveMerchantUrlFromOptions(query);
+	if (fromDirect) {
+		const merchantUrl = resolveMerchantUrlFromScanResult(fromDirect) || fromDirect;
+		if (merchantUrl) {
+			setPendingMerchantUrl(merchantUrl);
+			return merchantUrl;
+		}
+	}
+
+	if (query.q) {
+		const fromQ = resolveMerchantUrlFromRawEntry(String(query.q));
+		if (fromQ) {
+			setPendingMerchantUrl(fromQ);
+			return fromQ;
+		}
+	}
+
 	const qrCode = query.qrCode || query.qr_code || '';
-	if (!qrCode) return '';
+	if (qrCode) {
+		const merchantUrl = resolveMerchantUrlFromRawEntry(String(qrCode));
+		if (merchantUrl) {
+			setPendingMerchantUrl(merchantUrl);
+			return merchantUrl;
+		}
+	}
 
-	const merchantUrl = resolveMerchantUrlFromRawEntry(String(qrCode));
-	if (!merchantUrl) return '';
+	return '';
+};
 
-	setPendingMerchantUrl(merchantUrl);
-	return merchantUrl;
+/** 启动 path 已是收款/半屏支付页时，不必再 reLaunch */
+export const isPayEntryPath = (path?: string) => {
+	const normalized = String(path || '')
+		.replace(/^\//, '')
+		.split('?')[0];
+	return normalized === 'pages/pay/pay' || normalized === 'pages/pay/checkout';
+};
+
+/** 当前栈顶已是收款相关页时，避免重复跳转 */
+export const isCurrentRoutePayPage = () => {
+	try {
+		const pages = getCurrentPages();
+		const current = pages[pages.length - 1] as { route?: string } | undefined;
+		const route = String(current?.route || '');
+		return route === 'pages/pay/pay' || route === 'pages/pay/checkout';
+	} catch {
+		return false;
+	}
+};
+
+/** 有扫码商家码且当前不是收款入口时，跳到收银台收款页 */
+export const redirectToPayIfMerchantUrl = (merchantUrl: string, options: Record<string, any> = {}) => {
+	if (!merchantUrl) return false;
+	if (isPayEntryPath(options.path)) return false;
+	if (isCurrentRoutePayPage()) return false;
+
+	uni.reLaunch({
+		url: `/pages/pay/pay?url=${encodeURIComponent(merchantUrl)}`
+	});
+	return true;
 };
 
 /**