diff --git a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
index 1055a12fc..f62c4be0d 100644
--- a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
+++ b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
@@ -679,6 +679,13 @@ function PlatformMembershipPlanCard({
   const savingCents = annual
     ? Math.max(0, plan.monthPriceCents * 12 - plan.yearPriceCents)
     : 0;
+  // 按钮文案优先级：不可购买时展示业务文案，其次「处理中」，最后默认「选择并确认」。
+  let actionButtonLabel = '选择并确认';
+  if (disabled) {
+    actionButtonLabel = actionLabel;
+  } else if (submitting) {
+    actionButtonLabel = '处理中';
+  }
 
   return (
     <article
@@ -736,7 +743,7 @@ function PlatformMembershipPlanCard({
         disabled={disabled || submitting}
         onClick={onCheckout}
       >
-        {disabled ? actionLabel : submitting ? '处理中' : '选择并确认'}
+        {actionButtonLabel}
       </PlatformRechargeActionButton>
     </article>
   );