diff --git a/server-rs/crates/api-server/src/runtime_profile.rs b/server-rs/crates/api-server/src/runtime_profile.rs
index fbdd8bdc2..ae0bfdb73 100644
--- a/server-rs/crates/api-server/src/runtime_profile.rs
+++ b/server-rs/crates/api-server/src/runtime_profile.rs
@@ -1821,14 +1821,18 @@ fn build_wechat_virtual_pay_params(
                     .with_message("当前充值商品不存在，请刷新后再试")
             })?,
         RuntimeProfileRechargeProductKind::Membership => {
-            // 会员商品不在商品配置表里：确认档位仍在目录中即可，购买数量固定为 1。
+            // 会员商品不在商品配置表里：确认档位仍可售（在售且非 Normal 占位）即可，购买数量固定为 1。
             let (plan, _) =
                 module_runtime::parse_runtime_profile_membership_product_id(&order.product_id)
                     .ok_or_else(|| {
                         AppError::from_status(StatusCode::BAD_REQUEST)
                             .with_message("当前会员套餐不存在，请刷新后再试")
                     })?;
-            if !center.membership_plans.iter().any(|item| item.plan == plan) {
+            if !center
+                .membership_plans
+                .iter()
+                .any(|item| item.plan == plan && item.enabled && item.plan.is_purchasable())
+            {
                 return Err(AppError::from_status(StatusCode::BAD_REQUEST)
                     .with_message("当前会员套餐不存在，请刷新后再试"));
             }