diff --git a/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx b/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx
index c1c5d6b41..0c15d0211 100644
--- a/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx
+++ b/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx
@@ -480,6 +480,56 @@ describe('PlatformProfileRechargeModal', () => {
     });
   });
 
+  test('会员订单提交中时泥点档位仍可选，但下单入口禁用', async () => {
+    const user = userEvent.setup();
+    const renderModal = (submittingProductId: string | null) => (
+      <PlatformProfileRechargeModal
+        center={{
+          mudPointBalance: buildMudPointBalance(29),
+          membership: buildNormalMembership(),
+          pointProducts: buildPointProducts(),
+          membershipPlans: [STARTER_PLAN],
+          latestOrder: null,
+          hasPointsRecharged: false,
+        }}
+        isLoading={false}
+        error={null}
+        submittingProductId={submittingProductId}
+        nativePayment={null}
+        membershipQuote={null}
+        isLoadingMembershipQuote={false}
+        membershipQuoteError={null}
+        onClose={vi.fn()}
+        onRetry={vi.fn()}
+        onBuy={vi.fn()}
+        onRequestMembershipQuote={vi.fn()}
+        onSubmitMembershipCheckout={vi.fn()}
+        onConfirmNativePayment={vi.fn()}
+        onCloseNativePayment={vi.fn()}
+      />
+    );
+
+    const { rerender } = render(renderModal(null));
+    await user.click(screen.getByRole('tab', { name: '泥点充值' }));
+    const product = within(
+      screen.getByRole('radiogroup', { name: '泥点充值档位' }),
+    ).getByRole('radio', { name: '60泥点 ¥6' });
+    // 既有行为：会员订单提交不波及泥点档位的可选状态。
+    expect(product).not.toHaveProperty('disabled', true);
+
+    await user.click(product);
+    await user.click(screen.getByRole('button', { name: '充值 ¥6' }));
+
+    // 会员订单提交中：泥点结算 CTA 禁用，避免被宿主守卫静默丢弃。
+    rerender(renderModal('membership-pro-monthly'));
+    expect(
+      within(screen.getByRole('dialog', { name: '确认订单' })).getByRole(
+        'button',
+        { name: '充值 ¥6' },
+      ),
+    ).toHaveProperty('disabled', true);
+  });
+
   test('shows the empty state when the recharge tab has no point product', async () => {
     const user = userEvent.setup();
 
diff --git a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
index 9d2451282..390df4a4d 100644
--- a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
+++ b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
@@ -1019,6 +1019,7 @@ function PlatformRechargeCheckoutDialog({
         submitting={submitting}
         amountCents={product.priceCents}
         ctaLabel={`充值 ${formatRechargePrice(product.priceCents)}`}
+        ctaDisabled={Boolean(submittingProductId)}
         onClose={onClose}
         onSubmit={() => {
           onBuy(product);
@@ -1575,7 +1576,9 @@ export function PlatformProfileRechargeModal({
                   />
                   <PlatformRechargeActionButton
                     className="w-full disabled:cursor-not-allowed"
-                    disabled={!selectedPointProduct}
+                    disabled={
+                      !selectedPointProduct || Boolean(submittingProductId)
+                    }
                     onClick={() => {
                       if (selectedPointProduct) {
                         setCheckout({