diff --git a/frontend/components/account/AccountCenter.tsx b/frontend/components/account/AccountCenter.tsx
index 5d8339e7..8eecb7cd 100644
--- a/frontend/components/account/AccountCenter.tsx
+++ b/frontend/components/account/AccountCenter.tsx
@@ -62,6 +62,10 @@ import {
 import { createAccountCopy } from "./account-copy";
 import { resetWalletConnectProvider } from "./wallet";
 import { useAccountPayment } from "./useAccountPayment";
+import {
+  isTelegramPrivateGroupPriceEligible,
+  telegramPrivateGroupAmountUsdc,
+} from "./telegram-pricing";
 
 // --- Main Component ---
 
@@ -432,6 +436,12 @@ export function AccountCenter() {
         { plan_code: "pro_monthly", plan_id: 101, amount_usdc: "29.9", duration_days: 30 },
         { plan_code: "pro_quarterly", plan_id: 102, amount_usdc: "79.9", duration_days: 90 },
       ];
+  const privateTelegramGroupPriceActive = isTelegramPrivateGroupPriceEligible(
+    backend?.telegram_pricing,
+  );
+  const privateTelegramGroupAmount = telegramPrivateGroupAmountUsdc(
+    backend?.telegram_pricing,
+  );
   const referral = backend?.referral;
   const referralCode = String(referral?.code || "").trim();
   const appliedReferralCode = String(referral?.applied_code || "").trim();
@@ -1094,6 +1104,13 @@ export function AccountCenter() {
                           const code = String(plan.plan_code || "");
                           const active = code === selectedPlanCode;
                           const isQuarterly = code === "pro_quarterly";
+                          const isPrivateGroupMonthly = Boolean(
+                            code === "pro_monthly" &&
+                              privateTelegramGroupPriceActive &&
+                              privateTelegramGroupAmount &&
+                              Number(plan.amount_usdc) ===
+                                Number(privateTelegramGroupAmount),
+                          );
                           return (
                             <button
                               type="button"
@@ -1108,7 +1125,11 @@ export function AccountCenter() {
                             >
                               <div className="flex items-center justify-between gap-2 text-xs font-bold">
                                 <span>
-                                  {isQuarterly ? copy.quarterlyPlan : copy.monthlyPlan}
+                                  {isQuarterly
+                                    ? copy.quarterlyPlan
+                                    : isPrivateGroupMonthly
+                                      ? copy.privateGroupMonthlyPlan
+                                      : copy.monthlyPlan}
                                 </span>
                                 <span>{plan.amount_usdc} USDC</span>
                               </div>
diff --git a/frontend/components/account/__tests__/paymentReferralPricing.test.ts b/frontend/components/account/__tests__/paymentReferralPricing.test.ts
index aa0674ba..210a7968 100644
--- a/frontend/components/account/__tests__/paymentReferralPricing.test.ts
+++ b/frontend/components/account/__tests__/paymentReferralPricing.test.ts
@@ -27,6 +27,10 @@ export function runTests() {
     path.join(projectRoot, "components", "account", "useBilling.ts"),
     "utf8",
   );
+  const telegramPricing = fs.readFileSync(
+    path.join(projectRoot, "components", "account", "telegram-pricing.ts"),
+    "utf8",
+  );
   const types = fs.readFileSync(
     path.join(projectRoot, "components", "account", "types.ts"),
     "utf8",
@@ -66,21 +70,33 @@ export function runTests() {
   assert(
     useAccountPayment.includes("applyTelegramGroupPricingToPlanList") &&
       useAccountPayment.includes("backend?.telegram_pricing") &&
+      useAccountPayment.includes("isTelegramPrivateGroupPriceEligible") &&
+      telegramPricing.includes("is_private_group_member") &&
+      telegramPricing.includes("telegram_private_group_member") &&
+      !telegramPricing.includes("is_group_member") &&
       useAccountPayment.includes('=== "pro_monthly"') &&
       useAccountPayment.includes("amount_usdc: telegramAmountUsdc"),
-    "account payment plan cards must display the 5 USDC Telegram group member monthly price after /bind verification",
+    "account payment plan cards must only display the 5 USDC private Telegram group monthly price after private /bind verification",
   );
   assert(
     useBilling.includes("telegramGroupPriceApplies") &&
-      useBilling.includes("backend?.telegram_pricing?.is_group_member") &&
+      useBilling.includes("isTelegramPrivateGroupPriceEligible") &&
+      useBilling.includes("backend?.telegram_pricing") &&
       useBilling.includes("!telegramGroupPriceApplies"),
-    "billing must not let referral first-month pricing override the lower Telegram group member monthly price",
+    "billing must not let referral first-month pricing override the lower private Telegram group monthly price",
+  );
+  assert(
+    accountCenter.includes("privateGroupMonthlyPlan") &&
+      accountCopy.includes("Private group monthly") &&
+      accountCopy.includes("私密群月付"),
+    "account plan card must label the 5 USDC price as a private Telegram group monthly price",
   );
   assert(
     types.includes("ReferralSummary") &&
       types.includes("referral?: ReferralSummary | null") &&
+      types.includes("is_private_group_member?: boolean") &&
       types.includes("duration_days: number") &&
       types.includes("max_discount_usdc_by_plan"),
-    "account auth and payment types must include referral summary and plan durations",
+    "account auth and payment types must include referral summary, private Telegram pricing, and plan durations",
   );
 }
diff --git a/frontend/components/account/account-copy.ts b/frontend/components/account/account-copy.ts
index 2d47fb85..04521b61 100644
--- a/frontend/components/account/account-copy.ts
+++ b/frontend/components/account/account-copy.ts
@@ -59,6 +59,7 @@ export function createAccountCopy(isEn: boolean): Record<string, string> {
       paymentMgmt: isEn ? "Payment Management" : "支付管理",
       proPlan: isEn ? "Pro Plan" : "Pro 套餐",
       monthlyPlan: isEn ? "Monthly" : "月付",
+      privateGroupMonthlyPlan: isEn ? "Private group monthly" : "私密群月付",
       quarterlyPlan: isEn ? "Quarterly" : "季度",
       trialBadge: isEn ? "3-day trial" : "3天试用",
       trialPaidGroupLocked: isEn
diff --git a/frontend/components/account/telegram-pricing.ts b/frontend/components/account/telegram-pricing.ts
new file mode 100644
index 00000000..8d0a419c
--- /dev/null
+++ b/frontend/components/account/telegram-pricing.ts
@@ -0,0 +1,19 @@
+import type { TelegramPricing } from "./types";
+
+export function isTelegramPrivateGroupPriceEligible(
+  pricing?: TelegramPricing | null,
+) {
+  return Boolean(
+    pricing?.is_private_group_member ||
+      pricing?.pricing_source === "telegram_private_group_member",
+  );
+}
+
+export function telegramPrivateGroupAmountUsdc(
+  pricing?: TelegramPricing | null,
+) {
+  if (!isTelegramPrivateGroupPriceEligible(pricing)) return "";
+  const amount = String(pricing?.amount_usdc || "").trim();
+  const numeric = Number(amount);
+  return Number.isFinite(numeric) && numeric > 0 ? amount : "";
+}
diff --git a/frontend/components/account/types.ts b/frontend/components/account/types.ts
index d85ca6e5..f8048679 100644
--- a/frontend/components/account/types.ts
+++ b/frontend/components/account/types.ts
@@ -46,6 +46,7 @@ export type TelegramPricing = {
   telegram_id?: number | null;
   telegram_status?: string | null;
   is_group_member?: boolean;
+  is_private_group_member?: boolean;
   amount_usdc?: string;
   pricing_source?: string;
 };
diff --git a/frontend/components/account/useAccountPayment.ts b/frontend/components/account/useAccountPayment.ts
index 3afbd467..8cd5ba9b 100644
--- a/frontend/components/account/useAccountPayment.ts
+++ b/frontend/components/account/useAccountPayment.ts
@@ -22,20 +22,17 @@ import { usePaymentState } from "./usePaymentState";
 import { useWalletBind } from "./useWalletBind";
 import { usePaymentFlow } from "./usePaymentFlow";
 import { useBilling } from "./useBilling";
-
-// ============================================================
-function telegramMemberAmountUsdc(pricing?: TelegramPricing | null) {
-  if (!pricing?.is_group_member) return "";
-  const amount = String(pricing.amount_usdc || "").trim();
-  const numeric = Number(amount);
-  return Number.isFinite(numeric) && numeric > 0 ? amount : "";
-}
+import {
+  isTelegramPrivateGroupPriceEligible,
+  telegramPrivateGroupAmountUsdc,
+} from "./telegram-pricing";
 
 function applyTelegramGroupPricingToPlanList(
   plans: PaymentPlan[],
   pricing?: TelegramPricing | null,
 ): PaymentPlan[] {
-  const telegramAmountUsdc = telegramMemberAmountUsdc(pricing);
+  if (!isTelegramPrivateGroupPriceEligible(pricing)) return plans;
+  const telegramAmountUsdc = telegramPrivateGroupAmountUsdc(pricing);
   if (!telegramAmountUsdc) return plans;
   return plans.map((plan) =>
     String(plan.plan_code || "").toLowerCase() === "pro_monthly"
diff --git a/frontend/components/account/useBilling.ts b/frontend/components/account/useBilling.ts
index ea440c45..7100f5f7 100644
--- a/frontend/components/account/useBilling.ts
+++ b/frontend/components/account/useBilling.ts
@@ -19,6 +19,7 @@ import {
 } from "./constants";
 import { clearStoredPaymentRecovery, shortAddress } from "./formatters";
 import { normalizePaymentError } from "./payment-utils";
+import { isTelegramPrivateGroupPriceEligible } from "./telegram-pricing";
 import { trackAppEvent } from "@/lib/app-analytics";
 
 // ============================================================
@@ -124,7 +125,7 @@ export function useBilling(params: UseBillingParams) {
     const selectedPlanCode = String(selectedPlan?.plan_code || "").toLowerCase();
     const telegramGroupPriceApplies = Boolean(
       selectedPlanCode === "pro_monthly" &&
-        backend?.telegram_pricing?.is_group_member,
+        isTelegramPrivateGroupPriceEligible(backend?.telegram_pricing),
     );
     const referral = backend?.referral;
     const referralPending = Boolean(
@@ -192,7 +193,7 @@ export function useBilling(params: UseBillingParams) {
     paymentConfig?.points_redemption,
     backend?.referral,
     backend?.subscription_active,
-    backend?.telegram_pricing?.is_group_member,
+    backend?.telegram_pricing,
     selectedPlan?.plan_code,
     selectedPlan?.amount_usdc,
     totalPoints,
@@ -405,8 +406,9 @@ export function useBilling(params: UseBillingParams) {
           throw new Error(copy.bindFailed.replace("{raw}", raw));
         }
         const data = (await res.json()) as { telegram_pricing?: TelegramPricing | null };
-        if (data.telegram_pricing?.is_group_member) {
-          const amount = data.telegram_pricing.amount_usdc || "10";
+        const telegramPricing = data.telegram_pricing;
+        if (isTelegramPrivateGroupPriceEligible(telegramPricing)) {
+          const amount = telegramPricing?.amount_usdc || "10";
           setPaymentInfo(copy.telegramVerifySuccess.replace("{amount}", amount));
         }
         await loadSnapshot();
diff --git a/src/auth/telegram_group_pricing.py b/src/auth/telegram_group_pricing.py
index 37c1cdfe..42fcb84f 100644
--- a/src/auth/telegram_group_pricing.py
+++ b/src/auth/telegram_group_pricing.py
@@ -97,6 +97,7 @@ class TelegramGroupPricing:
             os.getenv("TELEGRAM_CHAT_IDS"),
             os.getenv("TELEGRAM_CHAT_ID"),
         )
+        self.private_group_chat_ids = dedicated_group_chat_ids
         self.group_chat_ids = dedicated_group_chat_ids or fallback_group_chat_ids
         self.member_price = _decimal_env("POLYWEATHER_GROUP_MEMBER_PRICE_USDC", "5")
         self.public_price = _decimal_env("POLYWEATHER_PUBLIC_PRICE_USDC", "10")
@@ -139,12 +140,18 @@ class TelegramGroupPricing:
     def resolve_price_for_telegram_id(self, telegram_id: Optional[int]) -> Dict[str, Any]:
         status = self.get_member_status(int(telegram_id or 0)) if telegram_id else None
         is_member = bool(status in TELEGRAM_MEMBER_STATUSES)
-        amount = self.member_price if is_member else self.public_price
+        is_private_group_member = bool(self.private_group_chat_ids and is_member)
+        amount = self.member_price if is_private_group_member else self.public_price
         return {
             "configured": self.configured,
             "telegram_id": int(telegram_id or 0) or None,
             "telegram_status": status,
             "is_group_member": is_member,
+            "is_private_group_member": is_private_group_member,
             "amount_usdc": _format_decimal(amount),
-            "pricing_source": "telegram_group_member" if is_member else "telegram_public",
+            "pricing_source": (
+                "telegram_private_group_member"
+                if is_private_group_member
+                else "telegram_public"
+            ),
         }
diff --git a/src/payments/contract_checkout.py b/src/payments/contract_checkout.py
index e12b0726..0b7d8555 100644
--- a/src/payments/contract_checkout.py
+++ b/src/payments/contract_checkout.py
@@ -1696,7 +1696,7 @@ class PaymentContractCheckoutService:
         except Exception:
             telegram_id = None
         price_payload = pricing.resolve_price_for_telegram_id(telegram_id)
-        if not bool(price_payload.get("is_group_member")):
+        if not bool(price_payload.get("is_private_group_member")):
             return out
         amount_dec = _parse_decimal(
             price_payload.get("amount_usdc"), out["amount_usdc_decimal"]
diff --git a/tests/test_telegram_group_pricing.py b/tests/test_telegram_group_pricing.py
index 59309374..ab995540 100644
--- a/tests/test_telegram_group_pricing.py
+++ b/tests/test_telegram_group_pricing.py
@@ -74,8 +74,10 @@ def test_group_pricing_treats_member_status_as_group_member(monkeypatch):
     result = pricing.resolve_price_for_telegram_id(12345)
 
     assert result["is_group_member"] is True
+    assert result["is_private_group_member"] is True
     assert result["amount_usdc"] == "5"
     assert result["telegram_status"] == "member"
+    assert result["pricing_source"] == "telegram_private_group_member"
 
 
 def test_group_member_price_defaults_to_five_usdc(monkeypatch):
@@ -99,6 +101,7 @@ def test_group_member_price_defaults_to_five_usdc(monkeypatch):
     result = pricing.resolve_price_for_telegram_id(12345)
 
     assert result["is_group_member"] is True
+    assert result["is_private_group_member"] is True
     assert result["amount_usdc"] == "5"
 
 
@@ -124,6 +127,7 @@ def test_group_pricing_treats_left_status_as_public_price(monkeypatch):
     result = pricing.resolve_price_for_telegram_id(12345)
 
     assert result["is_group_member"] is False
+    assert result["is_private_group_member"] is False
     assert result["amount_usdc"] == "10"
     assert result["telegram_status"] == "left"
 
@@ -155,6 +159,43 @@ def test_payment_plan_uses_linked_telegram_group_price(monkeypatch, tmp_path):
     service = PaymentContractCheckoutService()
     service._db.bind_supabase_identity(12345, "user-1", "u@example.com")
 
+    monkeypatch.setattr(
+        "src.auth.telegram_group_pricing.TelegramGroupPricing.resolve_price_for_telegram_id",
+        lambda self, telegram_id: {
+            "configured": True,
+            "telegram_id": telegram_id,
+            "is_group_member": True,
+            "is_private_group_member": True,
+            "telegram_status": "member",
+            "amount_usdc": "5",
+            "pricing_source": "telegram_private_group_member",
+        },
+    )
+
+    plan = service._select_plan("pro_monthly")
+    priced = service._apply_telegram_group_pricing("user-1", plan)
+
+    assert priced["amount_usdc"] == "5"
+    assert priced["amount_usdc_decimal"] == Decimal("5")
+    assert priced["telegram_pricing"]["pricing_source"] == "telegram_private_group_member"
+
+
+def test_payment_plan_ignores_legacy_group_member_without_private_group_flag(monkeypatch, tmp_path):
+    monkeypatch.setenv("POLYWEATHER_PAYMENT_ENABLED", "true")
+    monkeypatch.setenv("SUPABASE_URL", "https://example.supabase.co")
+    monkeypatch.setenv("SUPABASE_SERVICE_ROLE_KEY", "service-role")
+    monkeypatch.setenv("POLYWEATHER_PAYMENT_RPC_URL", "https://rpc-1.example")
+    monkeypatch.setenv("POLYWEATHER_DB_PATH", str(tmp_path / "payments.db"))
+    monkeypatch.setenv("TELEGRAM_BOT_TOKEN", "bot-token")
+    monkeypatch.setenv("POLYWEATHER_TELEGRAM_GROUP_ID", "-100123")
+    monkeypatch.setenv("POLYWEATHER_GROUP_MEMBER_PRICE_USDC", "5")
+    monkeypatch.setenv(
+        "POLYWEATHER_PAYMENT_ACCEPTED_TOKENS_JSON",
+        '[{"code":"usdc_e","address":"0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174","decimals":6,"receiver_contract":"0xeD2f13Aa5fF033c58FB436E178451Cd07f693f32","is_default":true}]',
+    )
+    service = PaymentContractCheckoutService()
+    service._db.bind_supabase_identity(12345, "user-1", "u@example.com")
+
     monkeypatch.setattr(
         "src.auth.telegram_group_pricing.TelegramGroupPricing.resolve_price_for_telegram_id",
         lambda self, telegram_id: {
@@ -170,9 +211,9 @@ def test_payment_plan_uses_linked_telegram_group_price(monkeypatch, tmp_path):
     plan = service._select_plan("pro_monthly")
     priced = service._apply_telegram_group_pricing("user-1", plan)
 
-    assert priced["amount_usdc"] == "5"
-    assert priced["amount_usdc_decimal"] == Decimal("5")
-    assert priced["telegram_pricing"]["pricing_source"] == "telegram_group_member"
+    assert priced["amount_usdc"] == "29.9"
+    assert priced["amount_usdc_decimal"] == Decimal("29.9")
+    assert "telegram_pricing" not in priced
 
 
 def test_payment_telegram_pricing_enabled_by_default_when_configured(monkeypatch, tmp_path):