diff --git a/addons/shopro_huifu/command/QuerySplitConfig.php b/addons/shopro_huifu/command/QuerySplitConfig.php
index 1ee4c74..337b483 100644
--- a/addons/shopro_huifu/command/QuerySplitConfig.php
+++ b/addons/shopro_huifu/command/QuerySplitConfig.php
@@ -79,8 +79,46 @@ class QuerySplitConfig extends Command
         $items = HuifuClient::parseSplitBillResult($data['split_bill_result'] ?? null);
         if ($items === []) {
             $output->writeln('');
-            $output->writeln('[WARN] 未返回 split_bill_result：主商户可能未开通分账/延时分账，或 product 无权限');
-            $output->writeln('可加 --json 查看完整应答');
+            $output->writeln('[结论] split_bill_result 为空 = 汇付侧「分账配置申请」尚未生效（或未提交）');
+            $output->writeln('       这与支付查单 delay_acct_flag=Y（延时分账/延迟入账）不是同一开关。');
+            $output->writeln('       商城 confirm 带 acct_split_bunch 时，无生效分账配置 + 未绑定接收方 → 典型 22000002。');
+            $output->writeln('');
+            $output->writeln('应答顶层字段: ' . implode(', ', array_keys($data)));
+            $nested = HuifuClient::collectNestedKeys($data, ['rule_origin', 'div_flag', 'apply_ratio', 'delay_flag']);
+            if ($nested !== []) {
+                $output->writeln('嵌套扫描: ' . json_encode($nested, JSON_UNESCAPED_UNICODE));
+            }
+            $output->writeln('');
+            $output->writeln('--- 商户详情补充 (v2/merchant/basicdata/query + product_id) ---');
+            $basic = $client->queryMerchantBasicdata($huifuId, true);
+            if ($basic['ok']) {
+                $bd = $basic['data'] ?? [];
+                $bCode = (string) ($bd['resp_code'] ?? '');
+                $delay = (string) ($bd['delay_flag'] ?? '');
+                $forced = (string) ($bd['forced_delay_flag'] ?? '');
+                if ($delay !== '' || $forced !== '') {
+                    $output->writeln('delay_flag(延迟入账): ' . ($delay !== '' ? $delay : '(未返回)'));
+                    $output->writeln('forced_delay_flag: ' . ($forced !== '' ? $forced : '(未返回)'));
+                } else {
+                    $scan = HuifuClient::collectNestedKeys($bd, ['delay_flag', 'forced_delay_flag', 'rule_origin', 'div_flag']);
+                    if ($scan !== []) {
+                        $output->writeln('详情嵌套: ' . json_encode($scan, JSON_UNESCAPED_UNICODE));
+                    } else {
+                        $output->writeln('未读到 delay_flag（可 --json 看 basicdata 全文）');
+                    }
+                }
+                if ($bCode !== '' && $bCode !== '00000000') {
+                    $output->writeln('basicdata resp_code=' . $bCode . ' ' . ($bd['resp_desc'] ?? ''));
+                }
+            } else {
+                $output->writeln('[SKIP] ' . $basic['message']);
+            }
+            $output->writeln('');
+            $output->writeln('下一步（汇付实施/工单）:');
+            $output->writeln('  1) v2/merchant/split/config 提交：rule_origin=01, div_flag=Y, apply_ratio≥业务比例(如30)');
+            $output->writeln('  2) 控台/接口绑定分账接收方 6666000245630872（进件通过 ≠ 分账关系已配）');
+            $output->writeln('  3) 生效后再跑本命令，应出现 rule_origin；新订单测分账，勿重试 unconfirm_amt=0 的旧单');
+            $output->writeln('完整 JSON: php think shopro_huifu:query-split-config --json');
             return 2;
         }
 
diff --git a/addons/shopro_huifu/library/HuifuClient.php b/addons/shopro_huifu/library/HuifuClient.php
index 3f52d1e..536d712 100644
--- a/addons/shopro_huifu/library/HuifuClient.php
+++ b/addons/shopro_huifu/library/HuifuClient.php
@@ -579,12 +579,85 @@ class HuifuClient
         $request->setHuifuId($huifuId);
         $request->setReqDate(date('Ymd'));
         $request->setReqSeqId('SPLQ' . date('YmdHis') . mt_rand(1000, 9999));
+        $productId = trim((string) $this->config->get('product_id'));
+        if ($productId !== '') {
+            $request->setExtendInfo(['product_id' => $productId]);
+        }
 
         return $this->safeApiResult($this->postRequest($request));
     }
 
 
 
+    /**
+     * 商户详细信息查询（传 product_id 时可含 delay_flag 等业务开通字段）
+     */
+    public function queryMerchantBasicdata($huifuId = '', $withProductId = true)
+    {
+        $huifuId = trim((string) $huifuId);
+        if ($huifuId === '') {
+            $huifuId = trim((string) $this->config->get('huifu_id'));
+        }
+        if ($huifuId === '') {
+            return ['ok' => false, 'message' => '缺少 huifu_id', 'data' => null];
+        }
+
+        SdkLoader::requireRequest('V2MerchantBasicdataQueryRequest.php');
+        $request = new \BsPaySdk\request\V2MerchantBasicdataQueryRequest();
+        $request->setHuifuId($huifuId);
+        $request->setReqDate(date('Ymd'));
+        $request->setReqSeqId('MBDQ' . date('YmdHis') . mt_rand(1000, 9999));
+        if ($withProductId) {
+            $productId = trim((string) $this->config->get('product_id'));
+            if ($productId !== '') {
+                $request->setExtendInfo(['product_id' => $productId]);
+            }
+        }
+
+        return $this->safeApiResult($this->postRequest($request));
+    }
+
+
+
+    /**
+     * 在汇付应答中递归查找指定键（用于 split 配置可能在嵌套 JSON 字符串中）
+     *
+     * @return array<string, mixed>
+     */
+    public static function collectNestedKeys($payload, array $keys)
+    {
+        $found = [];
+        self::walkNestedPayload($payload, $keys, $found);
+        return $found;
+    }
+
+
+
+    protected static function walkNestedPayload($node, array $keys, array &$found)
+    {
+        if (is_string($node)) {
+            $trim = trim($node);
+            if ($trim !== '' && ($trim[0] === '{' || $trim[0] === '[')) {
+                $decoded = json_decode($trim, true);
+                if (is_array($decoded)) {
+                    self::walkNestedPayload($decoded, $keys, $found);
+                }
+            }
+            return;
+        }
+        if (!is_array($node)) {
+            return;
+        }
+        foreach ($node as $k => $v) {
+            if (in_array($k, $keys, true) && $v !== '' && $v !== null && !isset($found[$k])) {
+                $found[$k] = $v;
+            }
+            self::walkNestedPayload($v, $keys, $found);
+        }
+    }
+
+
+
     /**
      * 解析 split_bill_result（可能是 array 或 JSON 字符串）
      *