diff --git a/lib/features/purchase/third_party_payment_sheet.dart b/lib/features/purchase/third_party_payment_sheet.dart
index 8212d28..47a06e8 100644
--- a/lib/features/purchase/third_party_payment_sheet.dart
+++ b/lib/features/purchase/third_party_payment_sheet.dart
@@ -10,8 +10,8 @@ const double _paymentSheetIconScale = 1.5;
 /// 与 `funymee_home.pen` **zL8hY / p7kQm** 对齐的第三方支付底部表单。
 /// 先点选支付方式，再点底部 **Pay** 确认（与画板 `btnPayPrimary` 一致）。
 ///
-/// [summaryTierCredits] / [summaryTierBonus] 与购买页档位一致（原始档位积分 + 原始档位赠送）；
-/// 均为 `null` 时从 [product] 读取。
+/// [summaryTierCredits] / [summaryTierBonus] 与购买页摘要一致（档位积分 + 档位赠送）；
+/// 均为 `null` 时从 [product] 读取。各支付方式副标题的赠送比例仅读接口 [PaymentMethodItem.bonusRatio]，不作本地推算。
 Future<PaymentMethodItem?> showThirdPartyPaymentMethodSheet(
   BuildContext context, {
   required List<PaymentMethodItem> methods,
@@ -181,10 +181,6 @@ class _ThirdPartyPaymentSheetBodyState
                         if (i > 0) const SizedBox(height: 12),
                         _PaymentMethodOptionCard(
                           method: widget.methods[i],
-                          tierCreditsForChannelPercent:
-                              widget.summaryTierCredits ??
-                              widget.product.credits ??
-                              0,
                           selected: _selectedIndex == i,
                           iconColor: _iconAccent(widget.methods[i]),
                           onSelect: () => setState(() => _selectedIndex = i),
@@ -225,16 +221,19 @@ String _formatProductPrice(PaymentProductItem p) {
   return '\$$a';
 }
 
-/// 支付渠道赠送：仅用 [PaymentMethodItem.bonusCredits]，相对档位原始积分 [tierCredits] 换算为 `+N% More Credits`（过小为 `+<1% More Credits`）。
-String? _channelBonusCreditsPercentLine(
-  int tierCredits,
-  int? channelBonusCredits,
-) {
-  if (channelBonusCredits == null || channelBonusCredits <= 0) return null;
-  if (tierCredits <= 0) return null;
-  final rounded = ((channelBonusCredits * 100.0) / tierCredits).round();
-  if (rounded > 0) return '+$rounded% More Credits';
-  return '+<1% More Credits';
+/// 第三方支付方式副标题：赠送**比例**仅用服务端 [PaymentMethodItem.bonusRatio]（与框架解析一致：`≤1` 为小数比例，否则为百分数），
+/// 不用 `bonusCredits / 档位积分` 推算；无 `bonusRatio` 时再展示 [PaymentMethodItem.bonusCredits] 的绝对赠送文案。
+String? _thirdPartyChannelBonusSubtitle(PaymentMethodItem method) {
+  final br = method.bonusRatio;
+  if (br != null && br > 0) {
+    final pct = br <= 1 ? (br * 100).round() : br.round();
+    return '+$pct% More Credits';
+  }
+  final bc = method.bonusCredits;
+  if (bc != null && bc > 0) {
+    return '+$bc More Credits';
+  }
+  return null;
 }
 
 class _PaymentSummaryCard extends StatelessWidget {
@@ -360,16 +359,12 @@ class _PayCtaButton extends StatelessWidget {
 class _PaymentMethodOptionCard extends StatelessWidget {
   const _PaymentMethodOptionCard({
     required this.method,
-    required this.tierCreditsForChannelPercent,
     required this.selected,
     required this.iconColor,
     required this.onSelect,
   });
 
   final PaymentMethodItem method;
-
-  /// 渠道赠送占比分母：与摘要一致的档位原始积分（非赠送）。
-  final int tierCreditsForChannelPercent;
   final bool selected;
   final Color iconColor;
   final VoidCallback onSelect;
@@ -382,10 +377,7 @@ class _PaymentMethodOptionCard extends StatelessWidget {
     final title = method.displayName.isNotEmpty
         ? method.displayName
         : (method.paymentMethod ?? 'Payment');
-    final channelBonusLine = _channelBonusCreditsPercentLine(
-      tierCreditsForChannelPercent,
-      method.bonusCredits,
-    );
+    final channelBonusLine = _thirdPartyChannelBonusSubtitle(method);
 
     return Material(
       color: Colors.white,
@@ -464,15 +456,44 @@ class _PaymentMethodOptionCard extends StatelessWidget {
                   crossAxisAlignment: CrossAxisAlignment.start,
                   mainAxisSize: MainAxisSize.min,
                   children: [
-                    Text(
-                      title,
-                      style: GoogleFonts.inter(
-                        fontSize: 16,
-                        fontWeight: FontWeight.w700,
-                        color: PencilTheme.stone900,
-                      ),
-                      maxLines: 2,
-                      overflow: TextOverflow.ellipsis,
+                    Row(
+                      crossAxisAlignment: CrossAxisAlignment.center,
+                      children: [
+                        Expanded(
+                          child: Text(
+                            title,
+                            style: GoogleFonts.inter(
+                              fontSize: 16,
+                              fontWeight: FontWeight.w700,
+                              color: PencilTheme.stone900,
+                            ),
+                            maxLines: 2,
+                            overflow: TextOverflow.ellipsis,
+                          ),
+                        ),
+                        if (method.recommend == true) ...[
+                          const SizedBox(width: 6),
+                          Container(
+                            padding: const EdgeInsets.symmetric(
+                              horizontal: 6,
+                              vertical: 2,
+                            ),
+                            decoration: BoxDecoration(
+                              color: PencilTheme.cardThumbBg,
+                              borderRadius: BorderRadius.circular(6),
+                            ),
+                            child: Text(
+                              'Recommend',
+                              style: GoogleFonts.inter(
+                                fontSize: 9,
+                                fontWeight: FontWeight.w600,
+                                height: 1.1,
+                                color: PencilTheme.stone700,
+                              ),
+                            ),
+                          ),
+                        ],
+                      ],
                     ),
                     if (channelBonusLine != null) ...[
                       const SizedBox(height: 4),
@@ -483,32 +504,13 @@ class _PaymentMethodOptionCard extends StatelessWidget {
                           fontWeight: FontWeight.w600,
                           color: PencilTheme.profileCredits,
                         ),
-                        maxLines: 2,
+                        maxLines: 1,
                         overflow: TextOverflow.ellipsis,
                       ),
                     ],
                   ],
                 ),
               ),
-              if (method.recommend == true)
-                Container(
-                  padding: const EdgeInsets.symmetric(
-                    horizontal: 10,
-                    vertical: 5,
-                  ),
-                  decoration: BoxDecoration(
-                    color: PencilTheme.cardThumbBg,
-                    borderRadius: BorderRadius.circular(8),
-                  ),
-                  child: Text(
-                    'Recommend',
-                    style: GoogleFonts.inter(
-                      fontSize: 11,
-                      fontWeight: FontWeight.w600,
-                      color: PencilTheme.stone700,
-                    ),
-                  ),
-                ),
             ],
           ),
         ),
diff --git a/pubspec.yaml b/pubspec.yaml
index fd262e7..b9f1106 100644
--- a/pubspec.yaml
+++ b/pubspec.yaml
@@ -2,7 +2,7 @@ name: funymee_ai
 description: "FunyMee AI Application."
 publish_to: 'none'
 
-version: 1.0.18+18
+version: 1.0.19+19
 
 environment:
   sdk: ^3.11.1