diff --git a/docs/technical/MY_TAB_ACCOUNT_RECHARGE_IMPLEMENTATION_2026-04-25.md b/docs/technical/MY_TAB_ACCOUNT_RECHARGE_IMPLEMENTATION_2026-04-25.md
index 987b0df8..79af8322 100644
--- a/docs/technical/MY_TAB_ACCOUNT_RECHARGE_IMPLEMENTATION_2026-04-25.md
+++ b/docs/technical/MY_TAB_ACCOUNT_RECHARGE_IMPLEMENTATION_2026-04-25.md
@@ -117,6 +117,7 @@
 2. 弹窗顶部标题为 `账户充值`，右上角关闭。
 3. 默认打开 `泥点充值`，可切换到 `会员卡充值`。
 4. 点击套餐后调用下单接口，按钮进入处理中状态；小程序环境走 native 支付页拉起 `wx.requestPayment`，支付页返回后刷新 `profileDashboard`。
+   - 小程序 web-view 内的 H5 只负责加载微信 JS-SDK 并通过 `wx.miniProgram.navigateTo` 跳转到 `/pages/wechat-pay/index`；实际支付必须在小程序 native 页调用 `wx.requestPayment`，不要切换为 H5 支付产品。
 5. 弹窗内不写大段说明文案，只保留必要金额、泥点、会员权益和状态反馈。
 6. 会员卡充值区以套餐卡片优先展示周期、价格和处理状态；移动端单列，桌面端三列，权益表允许横向滚动，避免小屏挤压。
 
diff --git a/src/components/rpg-entry/RpgEntryHomeView.recharge.test.tsx b/src/components/rpg-entry/RpgEntryHomeView.recharge.test.tsx
index 45b84597..1617b4a2 100644
--- a/src/components/rpg-entry/RpgEntryHomeView.recharge.test.tsx
+++ b/src/components/rpg-entry/RpgEntryHomeView.recharge.test.tsx
@@ -859,6 +859,10 @@ afterEach(() => {
   vi.clearAllMocks();
   vi.unstubAllEnvs();
   vi.unstubAllGlobals();
+  window.wx = undefined;
+  document
+    .querySelectorAll('script[src="https://res.wx.qq.com/open/js/jweixin-1.6.0.js"]')
+    .forEach((script) => script.remove());
   mockGetRpgProfileReferralInviteCenter.mockResolvedValue(
     mockBuildReferralCenter(),
   );
@@ -1044,6 +1048,84 @@ test('profile recharge modal posts requestPayment params in mini program web-vie
   expect(await screen.findByText('支付已提交')).toBeTruthy();
 });
 
+test('profile recharge modal loads wechat js sdk before mini program payment bridge', async () => {
+  const user = userEvent.setup();
+  window.history.replaceState(null, '', '/?clientRuntime=wechat_mini_program');
+  window.wx = undefined;
+  const navigateTo = vi.fn((options: { url: string }) => {
+    const url = new URL(`https://mini.test${options.url}`);
+    const requestId = url.searchParams.get('requestId');
+    window.location.hash = `wx_pay_result=${requestId}:success`;
+    window.dispatchEvent(new HashChangeEvent('hashchange'));
+  });
+  mockCreateRpgProfileRechargeOrder.mockResolvedValueOnce({
+    order: {
+      orderId: 'order-wechat-sdk-1',
+      productId: 'points_60',
+      productTitle: '60泥点',
+      kind: 'points',
+      amountCents: 600,
+      status: 'pending' as const,
+      paymentChannel: 'wechat_mp',
+      paidAt: null as string | null,
+      providerTransactionId: null,
+      createdAt: '2026-04-25T10:00:00Z',
+      pointsDelta: 0,
+      membershipExpiresAt: null,
+    },
+    center: {
+      walletBalance: 0,
+      membership: {
+        status: 'normal',
+        tier: 'normal',
+        startedAt: null,
+        expiresAt: null,
+        updatedAt: null,
+      },
+      pointProducts: [],
+      membershipProducts: [],
+      benefits: [],
+      latestOrder: null,
+      hasPointsRecharged: false,
+    },
+    wechatMiniProgramPayParams: {
+      timeStamp: '1777110165',
+      nonceStr: 'nonce',
+      package: 'prepay_id=wx-prepay',
+      signType: 'RSA',
+      paySign: 'signature',
+    },
+  });
+
+  renderProfileView();
+  const shortcutRegion = screen.getByRole('region', { name: '常用功能' });
+  await user.click(
+    within(shortcutRegion).getByRole('button', { name: /充值/u }),
+  );
+  await user.click(await screen.findByRole('button', { name: /60泥点/u }));
+
+  await waitFor(() => {
+    const script = document.querySelector<HTMLScriptElement>(
+      'script[src="https://res.wx.qq.com/open/js/jweixin-1.6.0.js"]',
+    );
+    expect(script).toBeTruthy();
+    window.wx = {
+      miniProgram: {
+        navigateTo,
+      },
+    };
+    script?.dispatchEvent(new Event('load'));
+  });
+
+  await waitFor(() => {
+    expect(navigateTo).toHaveBeenCalledWith({
+      url: expect.stringContaining('/pages/wechat-pay/index?'),
+      fail: expect.any(Function),
+    });
+  });
+  expect(await screen.findByText('支付已提交')).toBeTruthy();
+});
+
 test('profile daily task shortcut opens task center and claims reward', async () => {
   const user = userEvent.setup();
   const onRechargeSuccess = vi.fn();
diff --git a/src/components/rpg-entry/RpgEntryHomeView.tsx b/src/components/rpg-entry/RpgEntryHomeView.tsx
index 764983a4..62b1b746 100644
--- a/src/components/rpg-entry/RpgEntryHomeView.tsx
+++ b/src/components/rpg-entry/RpgEntryHomeView.tsx
@@ -211,6 +211,7 @@ const RECOMMEND_ENTRY_SWIPE_THRESHOLD_PX = 36;
 const RECOMMEND_ENTRY_COMMIT_ANIMATION_MS = 180;
 const RECOMMEND_ENTRY_DRAG_LIMIT_PX = 160;
 const WECHAT_MINI_PROGRAM_PAYMENT_CHANNEL = 'wechat_mp';
+const WECHAT_JS_SDK_URL = 'https://res.wx.qq.com/open/js/jweixin-1.6.0.js';
 
 type ProfilePopupPanel = 'invite' | 'redeem' | 'community';
 type RechargeTab = 'points' | 'membership';
@@ -2341,16 +2342,56 @@ function clearWechatPayResultHash() {
   window.history.replaceState(null, '', nextUrl);
 }
 
-function requestWechatMiniProgramPayment(
+function loadWechatJsSdk() {
+  if (typeof window === 'undefined') {
+    return Promise.reject(new Error('请在微信小程序内完成支付'));
+  }
+  if (window.wx?.miniProgram?.navigateTo) {
+    return Promise.resolve(window.wx);
+  }
+
+  return new Promise<NonNullable<Window['wx']>>((resolve, reject) => {
+    const existingScript = document.querySelector<HTMLScriptElement>(
+      `script[src="${WECHAT_JS_SDK_URL}"]`,
+    );
+    const complete = () => {
+      if (window.wx?.miniProgram?.navigateTo) {
+        resolve(window.wx);
+      } else {
+        reject(new Error('请在微信小程序内完成支付'));
+      }
+    };
+
+    if (existingScript) {
+      existingScript.addEventListener('load', complete, { once: true });
+      existingScript.addEventListener(
+        'error',
+        () => reject(new Error('请在微信小程序内完成支付')),
+        { once: true },
+      );
+      complete();
+      return;
+    }
+
+    const script = document.createElement('script');
+    script.src = WECHAT_JS_SDK_URL;
+    script.async = true;
+    script.onload = complete;
+    script.onerror = () => reject(new Error('请在微信小程序内完成支付'));
+    document.head.appendChild(script);
+  });
+}
+
+async function requestWechatMiniProgramPayment(
   payload: WechatMiniProgramPayParams | null | undefined,
   orderId: string,
 ) {
-  const miniProgram = window.wx?.miniProgram;
-  if (
-    !payload ||
-    !miniProgram ||
-    typeof miniProgram.navigateTo !== 'function'
-  ) {
+  if (!payload) {
+    return Promise.reject(new Error('请在微信小程序内完成支付'));
+  }
+  const wxBridge = await loadWechatJsSdk();
+  const miniProgram = wxBridge.miniProgram;
+  if (!miniProgram || typeof miniProgram.navigateTo !== 'function') {
     return Promise.reject(new Error('请在微信小程序内完成支付'));
   }
   const navigateTo = miniProgram.navigateTo;
diff --git a/src/vite-env.d.ts b/src/vite-env.d.ts
index f9f39034..a419fc50 100644
--- a/src/vite-env.d.ts
+++ b/src/vite-env.d.ts
@@ -14,4 +14,5 @@ interface Window {
       postMessage?: (message: unknown) => void;
     };
   };
+  WeixinJSBridge?: unknown;
 }