diff --git a/addons/shopro_huifu/command/SyncSplitReceivers.php b/addons/shopro_huifu/command/SyncSplitReceivers.php
index 23fbac9..e952a2a 100644
--- a/addons/shopro_huifu/command/SyncSplitReceivers.php
+++ b/addons/shopro_huifu/command/SyncSplitReceivers.php
@@ -18,6 +18,7 @@ class SyncSplitReceivers extends Command
             ->addOption('dry-run', null, Option::VALUE_NONE, '仅预览将提交的接收方与参数，不调汇付')
             ->addOption('init-only', null, Option::VALUE_NONE, '仅提交主商户分账开关(rule_origin=01)，不带接收方列表')
             ->addOption('huifu-id', null, Option::VALUE_OPTIONAL, '主商户汇付号，默认 platform_huifu_id 或插件 huifu_id')
+            ->addOption('scene', null, Option::VALUE_OPTIONAL, '分账模式 scene，默认插件 split_config_scene(A5)')
             ->setDescription('Submit v2/merchant/split/config and bind approved onboard huifu_ids as split receivers');
     }
 
@@ -35,12 +36,16 @@ class SyncSplitReceivers extends Command
         }
         $output->writeln('主商户 huifu_id: ' . $main);
         $output->writeln('apply_ratio(最大分账比例%): ' . $service->resolveApplyRatio());
+        $sceneOpt = trim((string) $input->getOption('scene'));
+        $scene = $sceneOpt !== '' ? $sceneOpt : $service->resolveSplitConfigScene();
+        $output->writeln('scene(分账模式): ' . $scene);
 
         $dryRun = (bool) $input->getOption('dry-run');
         $initOnly = (bool) $input->getOption('init-only');
         $options = [
             'dry_run'       => $dryRun,
             'main_huifu_id' => $main,
+            'scene'         => $scene,
         ];
 
         if ($initOnly) {
diff --git a/addons/shopro_huifu/library/split/HuifuMerchantSplitService.php b/addons/shopro_huifu/library/split/HuifuMerchantSplitService.php
index c222e91..443d50b 100644
--- a/addons/shopro_huifu/library/split/HuifuMerchantSplitService.php
+++ b/addons/shopro_huifu/library/split/HuifuMerchantSplitService.php
@@ -124,6 +124,11 @@ class HuifuMerchantSplitService
 
         $receiverHuifuIds = $this->normalizeReceiverIds($receiverHuifuIds, $mainHuifuId);
 
+        $scene = trim((string) ($options['scene'] ?? $this->resolveSplitConfigScene()));
+        if ($scene === '') {
+            throw new \InvalidArgumentException('分账模式 scene 不能为空，请在插件配置 split_config_scene 或传 --scene');
+        }
+
         $extend = [
             'product_id'   => trim((string) $this->config->get('product_id')),
             'rule_origin'  => $ruleOrigin,
@@ -132,8 +137,14 @@ class HuifuMerchantSplitService
             'div_flag'     => (string) ($options['div_flag'] ?? 'Y'),
             'apply_ratio'  => $applyRatio,
             'start_type'   => (string) ($options['start_type'] ?? '0'),
+            'scene'        => $scene,
         ];
 
+        $splitExtInfo = $this->buildSplitExtInfoJson($options, floatval($applyRatio), $scene);
+        if ($splitExtInfo !== null && $splitExtInfo !== '') {
+            $extend['split_ext_info'] = $splitExtInfo;
+        }
+
         $asyncUrl = trim((string) ($options['async_return_url'] ?? $this->config->get('split_config_async_url', '')));
         if ($asyncUrl !== '') {
             $extend['async_return_url'] = $asyncUrl;
@@ -264,6 +275,69 @@ class HuifuMerchantSplitService
         return (string) $v !== '0';
     }
 
+    /**
+     * 汇付 split/config 必填「分账模式」：A5=线上推广方佣金/抽成，02=线上其他，00=其他（>30% 常需 split_ext_info）
+     */
+    public function resolveSplitConfigScene()
+    {
+        $scene = trim((string) $this->config->get('split_config_scene', 'A5'));
+        return $scene !== '' ? $scene : 'A5';
+    }
+
+    /**
+     * @return string|null JSON 字符串，供 extend.split_ext_info
+     */
+    protected function buildSplitExtInfoJson(array $options, $applyRatio, $scene)
+    {
+        if (isset($options['split_ext_info'])) {
+            $raw = $options['split_ext_info'];
+            if (is_array($raw)) {
+                return json_encode($raw, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);
+            }
+            $raw = trim((string) $raw);
+            if ($raw !== '') {
+                return $raw;
+            }
+        }
+
+        $cfgJson = trim((string) $this->config->get('split_config_ext_info', ''));
+        if ($cfgJson !== '') {
+            return $cfgJson;
+        }
+
+        $busi = trim((string) $this->config->get('split_config_busi_instruction', ''));
+        $capital = trim((string) $this->config->get('split_config_capital_instruction', ''));
+        $function = trim((string) $this->config->get('split_config_function_instruction', ''));
+        if ($busi !== '' || $capital !== '' || $function !== '') {
+            return json_encode([
+                'busi_instruction'      => $busi,
+                'capital_instruction'   => $capital,
+                'function_instruction'  => $function,
+            ], JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);
+        }
+
+        $needExt = $applyRatio > 30.0 || $scene === '00';
+        if (!$needExt) {
+            return null;
+        }
+
+        return json_encode($this->defaultSplitExtInfoPayload(), JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);
+    }
+
+    /**
+     * 最大分账比例>30% 时的兜底说明（与 docs/汇付分账40%申请说明 一致，可在后台配置覆盖）
+     *
+     * @return array<string,string>
+     */
+    protected function defaultSplitExtInfoPayload()
+    {
+        return [
+            'busi_instruction' => '平台运营微信小程序酒类零售，采用自营零售与推广分销、区域代理模式；收款商户负责货源、发货与售后，推广员与区域代理按平台制度获得服务费，单笔订单分账总额不超过实付金额40%，确认收货后延时分账。',
+            'capital_instruction' => '消费者微信支付进入平台汇付主商户，开启延时分账暂存；确认收货后由系统接口向各分账接收方子商户划转推广/区域服务费，余额留主商户；退款按汇付与微信规则原路退回，资金均在汇付体系内可追溯。',
+            'function_instruction' => '开通延时分账并将最大比例设为40%，用于向已进件推广员、区域代理自动结算服务费，避免人工转账；实际单笔平均分账约15%-25%，基于真实交易及合作协议，不用于违规资金归集。',
+        ];
+    }
+
     /**
      * @param string[] $huifuIds
      */
diff --git a/addons/shopro_huifu/upgrade_huifu_split_bind.sql b/addons/shopro_huifu/upgrade_huifu_split_bind.sql
index dc13f69..3661e52 100644
--- a/addons/shopro_huifu/upgrade_huifu_split_bind.sql
+++ b/addons/shopro_huifu/upgrade_huifu_split_bind.sql
@@ -6,4 +6,9 @@ ALTER TABLE `__PREFIX__shopro_huifu_onboard`
 
 INSERT IGNORE INTO `__PREFIX__shopro_huifu_config` (`name`, `value`, `group`, `description`) VALUES
 ('split_auto_bind_receiver', '1', 'split', '进件通过后自动调 v2/merchant/split/config 绑定分账接收方(0关1开)'),
-('split_config_async_url', '', 'split', '分账配置异步通知 virgo:// 地址，可选');
+('split_config_async_url', '', 'split', '分账配置异步通知 virgo:// 地址，可选'),
+('split_config_scene', 'A5', 'split', '分账模式 scene：A5推广方佣金/02线上其他/00其他，须与汇付控台申请一致'),
+('split_config_ext_info', '', 'split', 'split_ext_info 整段 JSON，留空则>30%时用内置说明或下方三字段'),
+('split_config_busi_instruction', '', 'split', '业务模式说明 busi_instruction'),
+('split_config_capital_instruction', '', 'split', '资金流向说明 capital_instruction'),
+('split_config_function_instruction', '', 'split', '功能开通用途 function_instruction');