diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardAreaHelper.php b/addons/shopro_huifu/library/onboard/HuifuOnboardAreaHelper.php
index 53a704f..a5339b5 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardAreaHelper.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardAreaHelper.php
@@ -31,4 +31,20 @@ class HuifuOnboardAreaHelper
         }
         return str_pad($id, 6, '0', STR_PAD_RIGHT);
     }
+
+    /**
+     * 汇付银行卡 card_info.area_id 要求地级市编码（如安顺 520400），
+     * 小程序省市区选到区县时可能是 520402，需上提为 XXYY00。
+     */
+    public static function toHuifuCityCode($code)
+    {
+        $code = self::toCode($code);
+        if ($code === '' || strlen($code) !== 6) {
+            return $code;
+        }
+        if (substr($code, 4, 2) !== '00') {
+            return substr($code, 0, 4) . '00';
+        }
+        return $code;
+    }
 }
diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranch.php b/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranch.php
index e76c8da..c1d8866 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranch.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranch.php
@@ -264,6 +264,40 @@ class HuifuOnboardBankBranch
         return substr($cityCode, 0, 2) . '0000';
     }
 
+    /**
+     * 按联行号精确查找（用于手动填联行号时回填省市）
+     */
+    public static function findByBranchCode($branchCode)
+    {
+        $branchCode = trim((string) $branchCode);
+        if ($branchCode === '') {
+            return null;
+        }
+        try {
+            $row = Db::name('shopro_huifu_bank_branch')
+                ->where('status', 1)
+                ->where('branch_code', $branchCode)
+                ->find();
+            if ($row) {
+                return [
+                    'branch_code' => (string) $row['branch_code'],
+                    'branch_name' => (string) $row['branch_name'],
+                    'bank_name' => (string) ($row['bank_name'] ?? ''),
+                    'prov_id' => (string) ($row['prov_id'] ?? ''),
+                    'area_id' => (string) ($row['area_id'] ?? ''),
+                ];
+            }
+        } catch (\Throwable $e) {
+            // ignore
+        }
+        foreach (self::loadJson() as $item) {
+            if ((string) ($item['branch_code'] ?? '') === $branchCode) {
+                return $item;
+            }
+        }
+        return null;
+    }
+
     protected static function loadJson()
     {
         if (self::$jsonCache !== null) {
diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php b/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php
index 3da9f34..86089ab 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php
@@ -111,7 +111,7 @@ class HuifuOnboardBusiOpen
 
             'prov_id' => $form['prov_id'],
 
-            'area_id' => $form['area_id'],
+            'area_id' => HuifuOnboardAreaHelper::toHuifuCityCode($form['area_id'] ?? ''),
 
             'mp' => $form['mp'],
 
diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardValidator.php b/addons/shopro_huifu/library/onboard/HuifuOnboardValidator.php
index 0f463f4..30fea04 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardValidator.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardValidator.php
@@ -141,8 +141,30 @@ class HuifuOnboardValidator
         }
     }
 
+    protected static function resolveBranchByCode(array &$data)
+    {
+        $code = trim((string) ($data['branch_code'] ?? ''));
+        if ($code === '') {
+            return;
+        }
+        $found = HuifuOnboardBankBranch::findByBranchCode($code);
+        if (!$found) {
+            return;
+        }
+        if (!empty($found['branch_name']) && empty(trim((string) ($data['branch_name'] ?? '')))) {
+            $data['branch_name'] = $found['branch_name'];
+        }
+        if (!empty($found['prov_id'])) {
+            $data['prov_id'] = $found['prov_id'];
+        }
+        if (!empty($found['area_id'])) {
+            $data['area_id'] = $found['area_id'];
+        }
+    }
+
     protected static function resolveBranch(array &$data)
     {
+        self::resolveBranchByCode($data);
         if (!empty($data['branch_code'])) {
             return;
         }
@@ -192,8 +214,11 @@ class HuifuOnboardValidator
         $data['branch_code'] = trim($data['branch_code'] ?? '');
         $data['branch_name'] = trim($data['branch_name'] ?? '');
         $data['prov_id'] = HuifuOnboardAreaHelper::toCode($data['prov_id'] ?? '');
-        $data['area_id'] = HuifuOnboardAreaHelper::toCode($data['area_id'] ?? '');
+        $data['area_id'] = HuifuOnboardAreaHelper::toHuifuCityCode($data['area_id'] ?? '');
         $data['district_id'] = HuifuOnboardAreaHelper::toCode($data['district_id'] ?? '');
+        if ($data['prov_id'] === '' && $data['area_id'] !== '') {
+            $data['prov_id'] = substr($data['area_id'], 0, 2) . '0000';
+        }
 
         foreach (['cert', 'license', 'legal_cert'] as $prefix) {
             $beginKey = $prefix . '_begin_date';