diff --git a/frontend/components/account/AccountCenter.tsx b/frontend/components/account/AccountCenter.tsx
index a123b58f..eee36a1e 100644
--- a/frontend/components/account/AccountCenter.tsx
+++ b/frontend/components/account/AccountCenter.tsx
@@ -151,6 +151,10 @@ type ProviderSelection = {
   mode: ProviderMode;
 };
 
+type ConnectBindOptions = {
+  openOverlayAfterBind?: boolean;
+};
+
 const WALLETCONNECT_PROJECT_ID = String(
   process.env.NEXT_PUBLIC_WALLETCONNECT_PROJECT_ID || "",
 ).trim();
@@ -988,12 +992,15 @@ export function AccountCenter() {
     }
   };
 
-  const connectAndBindWallet = async (mode: ProviderMode = "auto") => {
+  const connectAndBindWallet = async (
+    mode: ProviderMode = "auto",
+    options: ConnectBindOptions = {},
+  ): Promise<boolean> => {
     setPaymentError("");
     setPaymentInfo("");
     if (!isAuthenticated) {
       setPaymentError("请先登录后再绑定钱包。");
-      return;
+      return false;
     }
 
     setPaymentBusy(true);
@@ -1009,7 +1016,7 @@ export function AccountCenter() {
       } catch (tokenErr) {
         setPaymentError(normalizePaymentError(tokenErr).message);
         setPaymentBusy(false);
-        return;
+        return false;
       }
       const authHeaders: Record<string, string> = {
         "Content-Type": "application/json",
@@ -1028,9 +1035,12 @@ export function AccountCenter() {
       if (existingWallet) {
         setWalletAddress(address);
         setSelectedWallet(address);
-        setPaymentInfo(`${walletLabel} 已绑定: ${shortAddress(address)}`);
+        setPaymentInfo(
+          `${walletLabel} 已绑定: ${shortAddress(address)}。现在可点击“立即订阅并激活服务”。`,
+        );
+        if (options.openOverlayAfterBind) setShowOverlay(true);
         setPaymentBusy(false);
-        return;
+        return true;
       }
 
       setWalletAddress(address);
@@ -1063,12 +1073,17 @@ export function AccountCenter() {
         throw new Error(`verify failed: ${raw}`);
       }
 
-      setPaymentInfo(`${walletLabel} 绑定成功: ${shortAddress(address)}`);
+      setPaymentInfo(
+        `${walletLabel} 绑定成功: ${shortAddress(address)}。现在可点击“立即订阅并激活服务”。`,
+      );
       setProviderMode(providerSelection.mode);
+      if (options.openOverlayAfterBind) setShowOverlay(true);
       await loadPaymentSnapshot();
+      return true;
     } catch (error) {
       setPaymentInfo("");
       setPaymentError(normalizePaymentError(error).message);
+      return false;
     } finally {
       setPaymentBusy(false);
     }
@@ -1272,8 +1287,19 @@ export function AccountCenter() {
       );
       if (!confirmRes.ok) {
         const raw = (await confirmRes.text()).slice(0, 350);
-        setPaymentInfo(`交易已提交: ${shortAddress(txHashNorm)}，等待确认中。`);
-        throw new Error(`confirm pending: ${raw}`);
+        const lowerRaw = raw.toLowerCase();
+        const maybePending =
+          (confirmRes.status === 404 &&
+            !lowerRaw.includes("payment intent not found")) ||
+          confirmRes.status === 408 ||
+          (confirmRes.status === 409 &&
+            (lowerRaw.includes("confirmations not enough") ||
+              lowerRaw.includes("tx indexed partially")));
+        if (maybePending) {
+          setPaymentInfo(`交易已提交: ${shortAddress(txHashNorm)}，等待确认中。`);
+          throw new Error(`confirm pending: ${raw}`);
+        }
+        throw new Error(`confirm failed: ${raw}`);
       }
 
       setPaymentInfo(`支付确认成功，交易: ${shortAddress(txHashNorm)}`);
@@ -1309,7 +1335,13 @@ export function AccountCenter() {
       return;
     }
     if (!hasPayingWallet) {
-      await connectAndBindWallet(providerMode);
+      setPaymentInfo("请先完成钱包绑定，正在拉起绑定流程...");
+      const bound = await connectAndBindWallet(providerMode, {
+        openOverlayAfterBind: true,
+      });
+      if (!bound) return;
+      setPaymentInfo("钱包已绑定，正在创建订单并发起支付...");
+      await createIntentAndPay();
       return;
     }
     await createIntentAndPay();
diff --git a/src/payments/contract_checkout.py b/src/payments/contract_checkout.py
index 9037d5cd..b9be1142 100644
--- a/src/payments/contract_checkout.py
+++ b/src/payments/contract_checkout.py
@@ -1559,12 +1559,27 @@ class PaymentContractCheckoutService:
             raise PaymentCheckoutError(503, "cannot connect payment rpc")
         if int(w3.eth.chain_id) != int(self.chain_id):
             raise PaymentCheckoutError(503, "payment rpc chain mismatch")
+        # Wait for receipt first to avoid transient RPC lag on eth_getTransaction.
+        receipt = self._wait_receipt(tx_hash_text)
+        if int(receipt.get("status") or 0) != 1:
+            raise PaymentCheckoutError(400, "tx reverted")
+
         try:
             tx = w3.eth.get_transaction(tx_hash_text)
         except Exception:
-            raise PaymentCheckoutError(404, "tx not found on chain")
-        tx_to = _normalize_address(tx.get("to"))
-        tx_from = _normalize_address(tx.get("from"))
+            tx = None
+
+        tx_get = getattr(tx, "get", None)
+        tx_to_raw = tx_get("to") if callable(tx_get) else None
+        tx_from_raw = tx_get("from") if callable(tx_get) else None
+        tx_to = _normalize_address(
+            tx_to_raw or receipt.get("to")
+        )
+        tx_from = _normalize_address(
+            tx_from_raw or receipt.get("from")
+        )
+        if not tx_to or not tx_from:
+            raise PaymentCheckoutError(409, "tx indexed partially; retry confirm")
         if tx_to != intent.receiver_address:
             raise PaymentCheckoutError(
                 400,
@@ -1578,9 +1593,6 @@ class PaymentContractCheckoutService:
                 )
         else:
             self._require_user_wallet(user_id, tx_from)
-        receipt = self._wait_receipt(tx_hash_text)
-        if int(receipt.get("status") or 0) != 1:
-            raise PaymentCheckoutError(400, "tx reverted")
         block_number = int(receipt.get("blockNumber") or 0)
         latest_block = int(w3.eth.block_number)
         confirmations = max(0, latest_block - block_number + 1) if block_number else 0
@@ -1631,7 +1643,7 @@ class PaymentContractCheckoutService:
                 "block_number": block_number,
                 "status": "confirmed",
                 "raw_receipt": json.loads(Web3.to_json(receipt)),
-                "raw_tx": json.loads(Web3.to_json(tx)),
+                "raw_tx": json.loads(Web3.to_json(tx)) if tx is not None else None,
                 "updated_at": now_iso,
             },
             prefer="resolution=merge-duplicates,return=representation",