diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php b/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php
index d018667..adc37a1 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php
@@ -86,7 +86,10 @@ class HuifuOnboardBusiOpen
 
 
 
-        $cardType = (string) ($form['bank_account_type'] ?? '0');
+        // 系统 bank_account_type：0=对私，1=对公
+        // 汇付 card_type：0=对公，1=对私法人，2=对私非法人
+        $bankAccountType = (string) ($form['bank_account_type'] ?? '0');
+        $cardType = $bankAccountType === '1' ? '0' : '1';
 
         $cardInfo = [
 
@@ -116,7 +119,7 @@ class HuifuOnboardBusiOpen
 
         }
 
-        if ($cardType === '0') {
+        if ($cardType === '1') {
 
             $cardInfo['cert_type'] = '00';
 
@@ -164,7 +167,7 @@ class HuifuOnboardBusiOpen
 
         }
 
-        if ($cardType === '1' && !empty($fileMap['F08'])) {
+        if ($cardType === '0' && !empty($fileMap['F08'])) {
 
             $fileList[] = [