diff --git a/recharge/index.html b/recharge/index.html
index 5b7e315..56a4d92 100644
--- a/recharge/index.html
+++ b/recharge/index.html
@@ -1247,6 +1247,7 @@
 
                 // render 只消费 state，不发请求；所有接口副作用集中在动作函数里，方便排查状态流转。
                 function render() {
+                    normalizeSelections();
                     renderAccount();
                     renderProducts();
                     renderMethods();
@@ -2016,6 +2017,39 @@
                     );
                 }
 
+                // 首屏拿到 options 后必须形成一组可下单快照：默认套餐优先取后端排序第一项，支付方式优先 USDT。
+                // 切账号、切套餐或后端配置变更时都重新校正，避免“有 USDT 但支付区被隐藏”或旧 method_id 串到新商品。
+                function normalizeSelections() {
+                    var products =
+                        (state.options && state.options.products) || [];
+                    if (!products.length) {
+                        state.selectedProductID = 0;
+                        state.selectedMethodKey = '';
+                        return;
+                    }
+                    var hasSelectedProduct = products.some(function (product) {
+                        return product.product_id === state.selectedProductID;
+                    });
+                    if (!hasSelectedProduct) {
+                        state.selectedProductID = products[0].product_id;
+                    }
+                    var methods = availableMethods();
+                    if (!methods.length) {
+                        state.selectedMethodKey = '';
+                        return;
+                    }
+                    var hasSelectedMethod = methods.some(function (method) {
+                        return method.key === state.selectedMethodKey;
+                    });
+                    if (hasSelectedMethod) return;
+                    var usdtMethod = methods.find(function (method) {
+                        return method.key === 'usdt_trc20';
+                    });
+                    state.selectedMethodKey = (
+                        usdtMethod || methods[0]
+                    ).key;
+                }
+
                 // token 模式不回传 display_user_id，防止前端把 token 用户和输入账号混用。
                 function targetDisplayUserID() {
                     if (
@@ -2151,9 +2185,28 @@
                 }
 
                 function productUSD(product) {
-                    if (product.amount_minor) return product.amount_minor / 100;
-                    if (product.amount_micro)
-                        return product.amount_micro / 1000000;
+                    var directUSDT = Number(
+                        product.amount_usdt || product.amountUsdt || 0
+                    );
+                    if (Number.isFinite(directUSDT) && directUSDT > 0) {
+                        return directUSDT;
+                    }
+                    var usdtMicro = Number(
+                        product.amount_usdt_micro ||
+                            product.amountUsdtMicro ||
+                            product.amount_micro ||
+                            product.amountMicro ||
+                            0
+                    );
+                    if (Number.isFinite(usdtMicro) && usdtMicro > 0) {
+                        return usdtMicro / 1000000;
+                    }
+                    var minor = Number(
+                        product.amount_minor || product.amountMinor || 0
+                    );
+                    if (Number.isFinite(minor) && minor > 0) {
+                        return minor / 100;
+                    }
                     return 0;
                 }