diff --git a/app/payment/factory.py b/app/payment/factory.py
index 8db89d9..06fd5b4 100644
--- a/app/payment/factory.py
+++ b/app/payment/factory.py
@@ -34,6 +34,17 @@ def get_payment_provider() -> PaymentProvider:
     return _provider_instance
 
 
+def get_payment_provider_by_name(name: str) -> PaymentProvider:
+    """按名称获取 Provider（用于 per-request 覆盖）"""
+    if name == "xorpay":
+        return XorPayProvider(
+            aid=XORPAY_AID,
+            secret=XORPAY_SECRET,
+            cashier_url=XORPAY_CASHIER_URL,
+        )
+    return ZPayProvider(pid=ZPAY_PID, key=ZPAY_KEY)
+
+
 def reset_provider():
     """重置 Provider（用于测试或切换渠道）"""
     global _provider_instance
diff --git a/app/routers/nomadvip.py b/app/routers/nomadvip.py
index be1af23..ba59f81 100644
--- a/app/routers/nomadvip.py
+++ b/app/routers/nomadvip.py
@@ -8,7 +8,7 @@ from fastapi import APIRouter, Request, HTTPException
 from fastapi.responses import RedirectResponse, JSONResponse
 
 from ..config import BASE_URL
-from ..payment import get_payment_provider
+from ..payment import get_payment_provider, get_payment_provider_by_name
 from ..payment.zpay import ZPayProvider
 from ..services import handle_payment_success, processed_orders
 
@@ -21,10 +21,11 @@ def _get_notify_path(provider_name: str) -> str:
 
 @router.post("/payh5")
 async def nomadvip_payh5(item: dict):
-    """nomadvip 专用：创建支付订单，xorpay 直接返回收银台参数，zpay 返回表单参数"""
+    """nomadvip 专用：创建支付订单，支持 per-request provider 覆盖（微信用 xorpay，PC/H5 用 zpay）"""
     print("nomadvip/payh5 item:", item)
-    provider = get_payment_provider()
-    total_fee = int(item.get("total_fee", 8800))
+    req_provider = (item.get("provider") or "").strip().lower()
+    provider = get_payment_provider_by_name(req_provider) if req_provider in ("xorpay", "zpay") else get_payment_provider()
+    total_fee = int(item.get("total_fee", 880))
     total_fee_yuan = f"{total_fee / 100:.2f}"
     user_id = item.get("user_id", "unknown")
     pay_type = (item.get("type") or "vip").lower()
@@ -70,15 +71,16 @@ async def nomadvip_payh5(item: dict):
 @router.post("/payh5/redirect")
 async def nomadvip_payh5_redirect(item: dict, request: Request):
     """nomadvip 专用：ZPAY mapi 接口（xorpay 无需 redirect，直接 payh5 即可）"""
-    provider = get_payment_provider()
-    if provider.name != "zpay":
+    req_provider = (item.get("provider") or "").strip().lower()
+    provider = get_payment_provider_by_name("zpay") if req_provider == "zpay" else get_payment_provider()
+    if not isinstance(provider, ZPayProvider):
         raise HTTPException(status_code=400, detail="payh5/redirect 仅支持 zpay，xorpay 请直接使用 payh5")
     logging.info(f"nomadvip payh5/redirect 请求: item={item}")
     try:
-        total_fee = float(item.get("total_fee", 8800))
+        total_fee = float(item.get("total_fee", 880))
     except (TypeError, ValueError):
         logging.warning(f"nomadvip payh5/redirect 无效 total_fee: {item.get('total_fee')}")
-        total_fee = 8800.0
+        total_fee = 880.0
     total_fee_yuan = f"{total_fee / 100:.2f}"
     user_id = item.get("user_id", "unknown")
     pay_type = (item.get("type") or "vip").lower()
@@ -144,14 +146,13 @@ async def nomadvip_zpay_order_status(out_trade_no: str):
 
 @router.get("/order_status")
 async def nomadvip_order_status(order_id: str):
-    """nomadvip 通用：查询订单支付状态（xorpay 查 PocketBase，zpay 查 ZPAY）"""
-    provider = get_payment_provider()
-    if isinstance(provider, ZPayProvider):
-        result = provider.query_order_status(order_id, timeout=15)
-        if result.get("error"):
-            logging.warning(f"nomadvip ZPAY 订单查询失败: {result.get('error')}")
-        return result
-    # xorpay：查 PocketBase
+    """nomadvip 通用：查询订单支付状态。zpay 先查 ZPAY 实时，xorpay 或失败时查 PocketBase"""
+    zpay = get_payment_provider_by_name("zpay")
+    if isinstance(zpay, ZPayProvider):
+        result = zpay.query_order_status(order_id, timeout=15)
+        if not result.get("error") and result.get("paid"):
+            return result
+    # zpay 查不到或 xorpay：查 PocketBase（notify 后写入）
     try:
         from ..services.pb import get_pb_client
 
@@ -165,7 +166,7 @@ async def nomadvip_order_status(order_id: str):
 
 @router.post("/xorpay_notify")
 async def nomadvip_xorpay_notify(request: Request):
-    """nomadvip 专用：XorPay 异步通知"""
+    """nomadvip 专用：XorPay 异步通知（路径即渠道，不依赖全局 PAYMENT_PROVIDER）"""
     form_data = await request.form()
     data = {k: v for k, v in form_data.items()}
     logging.info(f"nomadvip XorPay 异步通知: {data}")
@@ -173,9 +174,7 @@ async def nomadvip_xorpay_notify(request: Request):
     if order_id in processed_orders:
         logging.info(f"nomadvip 订单已处理，跳过: {order_id}")
         return "ok"
-    provider = get_payment_provider()
-    if provider.name != "xorpay":
-        raise HTTPException(status_code=400, detail="xorpay_notify only for xorpay")
+    provider = get_payment_provider_by_name("xorpay")
     if not provider.verify_notify(data):
         logging.error(f"nomadvip XorPay 验签失败: {data}")
         raise HTTPException(status_code=400, detail="sign error")
@@ -195,10 +194,8 @@ async def nomadvip_xorpay_notify(request: Request):
 @router.get("/zpay_notify")
 @router.post("/zpay_notify")
 async def nomadvip_zpay_notify(request: Request):
-    """nomadvip 专用：ZPAY 异步通知"""
-    provider = get_payment_provider()
-    if provider.name != "zpay":
-        raise HTTPException(status_code=400, detail="zpay_notify only for zpay")
+    """nomadvip 专用：ZPAY 异步通知（路径即渠道，不依赖全局 PAYMENT_PROVIDER）"""
+    provider = get_payment_provider_by_name("zpay")
     if request.method == "GET":
         data = dict(request.query_params)
     else: