diff --git a/frontend/components/account/__tests__/paymentShell.test.ts b/frontend/components/account/__tests__/paymentShell.test.ts
index 9d013051..4f6701f6 100644
--- a/frontend/components/account/__tests__/paymentShell.test.ts
+++ b/frontend/components/account/__tests__/paymentShell.test.ts
@@ -217,6 +217,13 @@ export function runTests() {
       hookSource.includes("retriedBackendJson"),
     "account snapshot loader must retry with a refreshed Supabase token when local user exists but /api/auth/me reports unauthenticated",
   );
+  assert(
+    hookSource.includes("refreshEntitlementAfterPayment") &&
+      paymentFlowSource.includes("refreshEntitlementAfterPayment") &&
+      paymentFlowSource.includes("await refreshEntitlementAfterPayment();") &&
+      hookSource.includes("subscription_active === true"),
+    "successful payment flows must automatically poll /api/auth/me until the paid subscription is visible instead of requiring logout or manual refresh",
+  );
   assert(
     !hookSource.includes(".auth.getUser()") &&
       hookSource.includes(".auth.getSession()"),
diff --git a/frontend/components/account/useAccountPayment.ts b/frontend/components/account/useAccountPayment.ts
index 2d14a512..c1d93f47 100644
--- a/frontend/components/account/useAccountPayment.ts
+++ b/frontend/components/account/useAccountPayment.ts
@@ -146,10 +146,9 @@ export function useAccountPayment(params: UseAccountPaymentParams) {
     [supabaseReady, getValidAccessToken],
   );
 
-  // ── loadSnapshot ──────────────────────────────────────────
-  const loadSnapshot = useCallback(async () => {
-    setErrorText("");
-    const attempt = async (retry: boolean): Promise<void> => {
+  // ── Auth snapshot refresh ────────────────────────────────
+  const fetchAuthSnapshot = useCallback(
+    async (retry: boolean): Promise<AuthMeResponse> => {
       const userPromise = supabaseReady
         ? getSupabaseBrowserClient()
             .auth.getSession()
@@ -165,7 +164,7 @@ export function useAccountPayment(params: UseAccountPaymentParams) {
       if (!backendResult.ok) {
         if (retry && backendResult.status === 401) {
           await new Promise((r) => setTimeout(r, 1200));
-          return attempt(false);
+          return fetchAuthSnapshot(false);
         }
         const raw = (await backendResult.text()).slice(0, 260);
         throw new Error(copy.httpError.replace("{status}", String(backendResult.status)).replace("{raw}", raw));
@@ -202,10 +201,41 @@ export function useAccountPayment(params: UseAccountPaymentParams) {
       }
       setBackend(backendJson);
       setUpdatedAt(new Date().toISOString());
-    };
-    try { await attempt(true); }
+      return backendJson;
+    },
+    [
+      buildAuthedHeaders,
+      copy.httpError,
+      setBackend,
+      setUpdatedAt,
+      setUser,
+      supabaseReady,
+    ],
+  );
+
+  // ── loadSnapshot ──────────────────────────────────────────
+  const loadSnapshot = useCallback(async () => {
+    setErrorText("");
+    try { await fetchAuthSnapshot(true); }
     catch (error) { setErrorText(String(error)); }
-  }, [buildAuthedHeaders, supabaseReady, copy.httpError]);
+  }, [fetchAuthSnapshot, setErrorText]);
+
+  const refreshEntitlementAfterPayment = useCallback(async () => {
+    setErrorText("");
+    const maxAttempts = 5;
+    for (let attempt = 0; attempt < maxAttempts; attempt += 1) {
+      try {
+        const backendJson = await fetchAuthSnapshot(true);
+        if (backendJson.subscription_active === true) return;
+      } catch (error) {
+        if (attempt === maxAttempts - 1) {
+          setErrorText(String(error));
+          return;
+        }
+      }
+      await new Promise((resolve) => setTimeout(resolve, 1200));
+    }
+  }, [fetchAuthSnapshot, setErrorText]);
 
   // ── Shared state for sub-hooks ───────────────────────────
   // These state variables are managed in the master hook and passed
@@ -383,6 +413,7 @@ export function useAccountPayment(params: UseAccountPaymentParams) {
     getValidAccessToken,
     buildAuthedHeaders,
     loadSnapshot,
+    refreshEntitlementAfterPayment,
     loadPaymentSnapshot: loadPaymentSnapshotImpl,
     user,
   });
@@ -438,6 +469,7 @@ export function useAccountPayment(params: UseAccountPaymentParams) {
     getValidAccessToken,
     buildAuthedHeaders,
     loadSnapshot,
+    refreshEntitlementAfterPayment,
     loadPaymentSnapshot: loadPaymentSnapshotImpl,
     waitForReceipt: walletBind.waitForReceipt,
     ensureTargetChain: walletBind.ensureTargetChain,
diff --git a/frontend/components/account/useBilling.ts b/frontend/components/account/useBilling.ts
index 9adfce89..0f94e92d 100644
--- a/frontend/components/account/useBilling.ts
+++ b/frontend/components/account/useBilling.ts
@@ -53,6 +53,7 @@ export interface UseBillingParams {
   getValidAccessToken: () => Promise<string>;
   buildAuthedHeaders: (withJson?: boolean, requireAuth?: boolean) => Promise<Record<string, string>>;
   loadSnapshot: () => Promise<void>;
+  refreshEntitlementAfterPayment: () => Promise<void>;
   loadPaymentSnapshot: () => Promise<void>;
 
   // User for metadata points
@@ -86,6 +87,7 @@ export function useBilling(params: UseBillingParams) {
     getValidAccessToken,
     buildAuthedHeaders,
     loadSnapshot,
+    refreshEntitlementAfterPayment,
     loadPaymentSnapshot,
     user,
   } = params;
@@ -203,7 +205,7 @@ export function useBilling(params: UseBillingParams) {
       if (json.ok) {
         setPaymentInfo(copy.walletRecoveryDone);
         setPaymentError("");
-        await loadSnapshot();
+        await refreshEntitlementAfterPayment();
         await loadPaymentSnapshot();
         return true;
       }
@@ -215,7 +217,7 @@ export function useBilling(params: UseBillingParams) {
     }
   }, [
     authIsAuthenticated, buildAuthedHeaders, copy.walletRecoveryDone,
-    loadPaymentSnapshot, loadSnapshot, reconcileBusy,
+    loadPaymentSnapshot, refreshEntitlementAfterPayment, reconcileBusy,
   ]);
 
   // ── handleSubmit409 ────────────────────────────────────
@@ -226,7 +228,7 @@ export function useBilling(params: UseBillingParams) {
         const ok = await reconcileLatestPayment();
         if (ok) return;
         setPaymentInfo(copy.orderAlreadyPaid);
-        await loadSnapshot();
+        await refreshEntitlementAfterPayment();
         await loadPaymentSnapshot();
         return;
       }
@@ -246,7 +248,7 @@ export function useBilling(params: UseBillingParams) {
             const txHash = intentJson.intent?.tx_hash || txHashNorm;
             setPaymentInfo(`支付已确认，交易: ${shortAddress(txHash)}`);
             setPaymentError("");
-            await loadSnapshot();
+            await refreshEntitlementAfterPayment();
             await loadPaymentSnapshot();
             return;
           }
@@ -257,7 +259,7 @@ export function useBilling(params: UseBillingParams) {
       }
       throw new Error(copy.submitTxFailed.replace("{raw}", raw));
     },
-    [buildAuthedHeaders, copy, loadPaymentSnapshot, loadSnapshot, reconcileLatestPayment],
+    [buildAuthedHeaders, copy, loadPaymentSnapshot, refreshEntitlementAfterPayment, reconcileLatestPayment],
   );
 
   // ── openTelegramBotBindLink ──────────────────────────────
diff --git a/frontend/components/account/usePaymentFlow.ts b/frontend/components/account/usePaymentFlow.ts
index 32ef21ce..5f1f6540 100644
--- a/frontend/components/account/usePaymentFlow.ts
+++ b/frontend/components/account/usePaymentFlow.ts
@@ -101,6 +101,7 @@ export interface UsePaymentFlowParams {
   getValidAccessToken: () => Promise<string>;
   buildAuthedHeaders: (withJson?: boolean, requireAuth?: boolean) => Promise<Record<string, string>>;
   loadSnapshot: () => Promise<void>;
+  refreshEntitlementAfterPayment: () => Promise<void>;
   loadPaymentSnapshot: () => Promise<void>;
   waitForReceipt: (txHash: string, provider?: EvmProvider, timeoutMs?: number, pollMs?: number) => Promise<any>;
   ensureTargetChain: (eth: EvmProvider, targetChainId: number, chain?: PaymentChainOption) => Promise<void>;
@@ -160,6 +161,7 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
     getValidAccessToken,
     buildAuthedHeaders,
     loadSnapshot,
+    refreshEntitlementAfterPayment,
     loadPaymentSnapshot,
     waitForReceipt,
     ensureTargetChain,
@@ -349,7 +351,7 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
             intent_id: intentId,
             tx_hash: txHash || null,
           });
-          await loadSnapshot();
+          await refreshEntitlementAfterPayment();
           await loadPaymentSnapshot();
           return;
         }
@@ -361,7 +363,7 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
       }
       throw new Error(copy.paymentPendingTimeout);
     },
-    [loadPaymentSnapshot, loadSnapshot, selectedPlan?.plan_code],
+    [loadPaymentSnapshot, refreshEntitlementAfterPayment, selectedPlan?.plan_code],
   );
 
   // ── createIntentAndPay ──────────────────────────────────
@@ -586,7 +588,7 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
         intent_id: intentId,
         tx_hash: txHashNorm,
       });
-      await loadSnapshot();
+      await refreshEntitlementAfterPayment();
       await loadPaymentSnapshot();
     } catch (error) {
       const normalized = normalizePaymentError(error);
@@ -743,7 +745,7 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
         intent_id: intentIdVal,
         tx_hash: txHashNorm,
       });
-      await loadSnapshot();
+      await refreshEntitlementAfterPayment();
       await loadPaymentSnapshot();
     } catch (error) {
       setPaymentError(normalizePaymentError(error).message);