diff --git a/server-rs/crates/api-server/src/runtime_profile.rs b/server-rs/crates/api-server/src/runtime_profile.rs
index effe4f8d..5bb731b7 100644
--- a/server-rs/crates/api-server/src/runtime_profile.rs
+++ b/server-rs/crates/api-server/src/runtime_profile.rs
@@ -1217,7 +1217,8 @@ fn build_wechat_virtual_pay_params(
     }
     let sign_data = sign_data.to_string();
     let pay_sig = calc_wechat_virtual_payment_signature(state, &sign_data, false)?;
-    let signature = calc_wechat_virtual_payment_signature_with_key(&session_key, &sign_data)?;
+    let signature =
+        calc_wechat_virtual_payment_user_signature_with_key(&session_key, &sign_data)?;
 
     Ok(WechatMiniProgramVirtualPayParamsResponse {
         mode: mode.to_string(),
@@ -1251,7 +1252,7 @@ fn calc_wechat_virtual_payment_signature(
     .ok_or_else(|| {
         AppError::from_status(StatusCode::BAD_REQUEST).with_message("微信虚拟支付 AppKey 未配置")
     })?;
-    calc_wechat_virtual_payment_signature_with_key(app_key, sign_data)
+    calc_wechat_virtual_payment_pay_signature_with_key(app_key, sign_data)
 }
 
 fn required_wechat_virtual_payment_config<'a>(
@@ -1264,7 +1265,7 @@ fn required_wechat_virtual_payment_config<'a>(
         .ok_or_else(|| AppError::from_status(StatusCode::SERVICE_UNAVAILABLE).with_message(message))
 }
 
-fn calc_wechat_virtual_payment_signature_with_key(
+fn calc_wechat_virtual_payment_pay_signature_with_key(
     key: &str,
     sign_data: &str,
 ) -> Result<String, AppError> {
@@ -1276,6 +1277,18 @@ fn calc_wechat_virtual_payment_signature_with_key(
     Ok(to_lower_hex(mac.finalize().into_bytes().as_slice()))
 }
 
+fn calc_wechat_virtual_payment_user_signature_with_key(
+    session_key: &str,
+    sign_data: &str,
+) -> Result<String, AppError> {
+    let mut mac = HmacSha256::new_from_slice(session_key.as_bytes()).map_err(|_| {
+        AppError::from_status(StatusCode::INTERNAL_SERVER_ERROR)
+            .with_message("微信虚拟支付用户态签名密钥初始化失败")
+    })?;
+    mac.update(sign_data.as_bytes());
+    Ok(to_lower_hex(mac.finalize().into_bytes().as_slice()))
+}
+
 fn to_lower_hex(bytes: &[u8]) -> String {
     const HEX: &[u8; 16] = b"0123456789abcdef";
     let mut output = String::with_capacity(bytes.len() * 2);
@@ -1765,8 +1778,9 @@ mod tests {
     };
 
     use super::{
-        build_wechat_virtual_pay_params, format_profile_wallet_ledger_source_type,
-        normalize_admin_invite_code_metadata,
+        build_wechat_virtual_pay_params, calc_wechat_virtual_payment_pay_signature_with_key,
+        calc_wechat_virtual_payment_user_signature_with_key,
+        format_profile_wallet_ledger_source_type, normalize_admin_invite_code_metadata,
     };
 
     use axum::{
@@ -2345,6 +2359,29 @@ mod tests {
         assert_eq!(sign_data["outTradeNo"], "item01order01");
     }
 
+    #[test]
+    fn wechat_virtual_payment_signatures_match_official_examples() {
+        let post_body = r#"{"openid": "xxx", "user_ip": "127.0.0.1", "env": 0}"#;
+
+        let pay_sig =
+            calc_wechat_virtual_payment_pay_signature_with_key("12345", post_body)
+                .expect("pay signature should build");
+        let signature = calc_wechat_virtual_payment_user_signature_with_key(
+            "9hAb/NEYUlkaMBEsmFgzig==",
+            post_body,
+        )
+        .expect("user signature should build");
+
+        assert_eq!(
+            pay_sig,
+            "a1ab2651b927b6a766152cf864033417b85c1448fc3c6e1bedbbd7f49416e92f"
+        );
+        assert_eq!(
+            signature,
+            "089d9e8dc5d308977360c4b79ec600a93d736802802a807d634192328032f6c7"
+        );
+    }
+
     #[tokio::test]
     async fn profile_feedback_requires_authentication() {
         let app = build_router(AppState::new(AppConfig::default()).expect("state should build"));