diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php b/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php
index adc37a1..e57648f 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php
@@ -90,12 +90,19 @@ class HuifuOnboardBusiOpen
         // 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';
+        $accountType = $form['account_type'] ?? 'indv';
+        $cardName = $form['card_name'] ?? '';
+        if ($accountType === 'indv') {
+            $cardName = $form['name'] ?? $cardName;
+        } elseif ($bankAccountType === '0') {
+            $cardName = $form['legal_name'] ?? $cardName;
+        }
 
         $cardInfo = [
 
             'card_type' => $cardType,
 
-            'card_name' => $form['card_name'],
+            'card_name' => $cardName,
 
             'card_no' => $form['card_no'],
 
diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardError.php b/addons/shopro_huifu/library/onboard/HuifuOnboardError.php
index a97b474..6d92373 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardError.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardError.php
@@ -32,6 +32,12 @@ class HuifuOnboardError
         if (strpos($msg, '图片') !== false || strpos($lower, 'picture') !== false || strpos($lower, 'file_id') !== false) {
             return '证件或银行卡图片上传失败，请重新上传 jpg/png 清晰照片';
         }
+        if (strpos($msg, '持卡人姓名') !== false || strpos($msg, '法人姓名') !== false) {
+            return '银行卡户名须与身份证姓名完全一致（个人进件 name 与 card_name 相同）';
+        }
+        if (strpos($msg, 'cardType') !== false || strpos($msg, '对私结算') !== false) {
+            return '个人进件仅支持对私银行卡，请确认结算账户类型为对私';
+        }
 
         if (preg_match('/基础参数校验失败[:：](.+?)(?:，resp_code|$)/u', $msg, $m)) {
             return '资料校验未通过：' . trim($m[1]);
diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardValidator.php b/addons/shopro_huifu/library/onboard/HuifuOnboardValidator.php
index e0d3f85..646c446 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardValidator.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardValidator.php
@@ -206,13 +206,15 @@ class HuifuOnboardValidator
         }
 
         if ($data['account_type'] === 'indv') {
-            $data['card_name'] = trim($data['card_name'] ?: $data['name']);
+            // 汇付对私法人：card_name 必须与个人开户姓名 name 完全一致
+            $data['card_name'] = $data['name'];
             $data['mp'] = trim($data['mp'] ?? $data['mobile_no']);
         } else {
             if ($data['bank_account_type'] === '1') {
                 $data['card_name'] = trim($data['card_name'] ?: $data['reg_name']);
             } else {
-                $data['card_name'] = trim($data['card_name'] ?: $data['legal_name']);
+                // 企业/个体户对私结算：card_name 必须与法人姓名一致
+                $data['card_name'] = $data['legal_name'];
                 $data['cert_no'] = $data['legal_cert_no'];
                 $data['cert_validity_type'] = $data['legal_cert_validity_type'];
                 $data['cert_begin_date'] = $data['legal_cert_begin_date'];