diff --git a/README.md b/README.md
index 67a40e4..c5dbbf6 100644
--- a/README.md
+++ b/README.md
@@ -47,8 +47,10 @@ pnpm dev:partner # http://localhost:5175
 | 端 | 手机号 |
 |----|--------|
 | C端用户 | 13800000001 |
-| 门店 | 13900000001 |
 | 合伙人 | 13700000001 |
+| HQ | 13600000001 |
+
+门店登录使用录入门店时绑定的手机号；seed 仅预置「郑州老城店」联调账号 `13910000001`。
 
 ## 主链路冒烟
 
diff --git a/apps/admin-web/src/App.tsx b/apps/admin-web/src/App.tsx
index 0f3d4e7..544947b 100644
--- a/apps/admin-web/src/App.tsx
+++ b/apps/admin-web/src/App.tsx
@@ -21,7 +21,7 @@ import StoreMediaPage from './pages/StoreMediaPage';
 import ProductsPage from './pages/ProductsPage';
 import ProductDetailTemplatesPage from './pages/ProductDetailTemplatesPage';
 import ResourcesPage from './pages/ResourcesPage';
-import StorePayoutsPage from './pages/StorePayoutsPage';
+import StoreBillsPage from './pages/StoreBillsPage';
 import PartnerBillsPage from './pages/PartnerBillsPage';
 import TicketsPage from './pages/TicketsPage';
 import UserLogsPage from './pages/UserLogsPage';
@@ -60,7 +60,8 @@ export default function App() {
         <Route path="/benefit/ledgers" element={<BenefitLedgersPage />} />
         <Route path="/redeem-records" element={<RedeemRecordsPage />} />
         <Route path="/redeem/debug" element={<RedeemDebugPage />} />
-        <Route path="/store-payouts" element={<StorePayoutsPage />} />
+        <Route path="/store-bills" element={<StoreBillsPage />} />
+        <Route path="/store-payouts" element={<Navigate to="/store-bills" replace />} />
         <Route path="/partner-bills" element={<PartnerBillsPage />} />
         <Route path="/tickets" element={<TicketsPage />} />
         <Route path="/logs/users" element={<UserLogsPage />} />
diff --git a/apps/admin-web/src/layouts/AdminLayout.tsx b/apps/admin-web/src/layouts/AdminLayout.tsx
index 846f117..9285d0d 100644
--- a/apps/admin-web/src/layouts/AdminLayout.tsx
+++ b/apps/admin-web/src/layouts/AdminLayout.tsx
@@ -40,6 +40,7 @@ const MENU_ITEMS: MenuProps['items'] = [
     children: [
       { key: '/stores', label: '门店列表' },
       { key: '/store-accounts', label: '门店账户' },
+      { key: '/store-bills', label: '门店账单' },
       { key: '/store-media', label: '门店资源' },
     ],
   },
@@ -62,7 +63,6 @@ const MENU_ITEMS: MenuProps['items'] = [
       { key: '/benefit/ledgers', label: '流水' },
       { key: '/redeem-records', label: '核销记录' },
       { key: '/redeem/debug', label: '核销调试' },
-      { key: '/store-payouts', label: '门店打款' },
     ],
   },
   { key: '/partner-bills', icon: <TeamOutlined />, label: '合伙人结算' },
diff --git a/apps/admin-web/src/pages/StoreBillsPage.tsx b/apps/admin-web/src/pages/StoreBillsPage.tsx
new file mode 100644
index 0000000..15e96ea
--- /dev/null
+++ b/apps/admin-web/src/pages/StoreBillsPage.tsx
@@ -0,0 +1,205 @@
+import { useEffect, useState } from 'react';
+import { Button, Descriptions, Drawer, Form, Select, Space, Table, Tag, Typography, message } from 'antd';
+import type { ColumnsType } from 'antd/es/table';
+import { request, type Paginated } from '../lib/api';
+import { ADMIN_OPTIONS_PAGE_SIZE, fmtTime } from '../lib/constants';
+import { useAdminList } from '../lib/useAdminList';
+
+type Row = {
+  id: string;
+  redeemAmount: number;
+  payoutAmount: number;
+  settlementRate: number;
+  status: string;
+  expectedPayAt: string;
+  paidAt?: string;
+  createdAt: string;
+  store?: { id: string; name: string; cityName: string; phone?: string };
+  redeemRecord?: { redeemNo: string; amount?: number };
+};
+
+type StoreOption = { id: string; name: string; phone: string };
+
+const PAYOUT_STATUS_LABELS: Record<string, string> = {
+  PENDING: '待打款',
+  PAID: '已打款',
+};
+
+const PAYOUT_STATUS_COLORS: Record<string, string> = {
+  PENDING: 'orange',
+  PAID: 'green',
+};
+
+export default function StoreBillsPage() {
+  const [form] = Form.useForm();
+  const [filters, setFilters] = useState<Record<string, string>>({});
+  const [stores, setStores] = useState<StoreOption[]>([]);
+  const { data, loading, page, pageSize, setPage, setPageSize, reload } = useAdminList<Row>(
+    '/admin/store-payouts',
+    () => {
+      const qs = new URLSearchParams();
+      if (filters.status) qs.set('status', filters.status);
+      if (filters.storeId) qs.set('storeId', filters.storeId);
+      return qs;
+    },
+    [filters],
+  );
+  const [detail, setDetail] = useState<Record<string, unknown> | null>(null);
+  const [drawerOpen, setDrawerOpen] = useState(false);
+
+  useEffect(() => {
+    void request<Paginated<StoreOption>>(`/admin/stores?pageSize=${ADMIN_OPTIONS_PAGE_SIZE}`)
+      .then((res) => setStores(res.items))
+      .catch(() => {});
+  }, []);
+
+  async function confirmPayout(id: string) {
+    await request(`/admin/store-payouts/${id}/confirm`, {
+      method: 'POST',
+      body: JSON.stringify({ remark: '财务确认打款' }),
+    });
+    message.success('已确认打款');
+    reload();
+  }
+
+  const columns: ColumnsType<Row> = [
+    { title: '门店', dataIndex: ['store', 'name'], width: 140, ellipsis: true },
+    { title: '登录手机', dataIndex: ['store', 'phone'], width: 120, render: (v) => v || '—' },
+    { title: '城市', dataIndex: ['store', 'cityName'], width: 90 },
+    {
+      title: '核销单号',
+      dataIndex: ['redeemRecord', 'redeemNo'],
+      width: 160,
+      ellipsis: true,
+      render: (v) => v || '—',
+    },
+    { title: '核销面额', dataIndex: 'redeemAmount', width: 100, render: (v) => `¥${v}` },
+    {
+      title: '到账金额',
+      dataIndex: 'payoutAmount',
+      width: 100,
+      render: (v, row) => `¥${v}${row.settlementRate ? ` (${Math.round(row.settlementRate * 100)}%)` : ''}`,
+    },
+    {
+      title: '打款状态',
+      dataIndex: 'status',
+      width: 100,
+      render: (s) => <Tag color={PAYOUT_STATUS_COLORS[s] || 'default'}>{PAYOUT_STATUS_LABELS[s] || s}</Tag>,
+    },
+    { title: '预计打款', dataIndex: 'expectedPayAt', width: 160, render: fmtTime },
+    { title: '实际打款', dataIndex: 'paidAt', width: 160, render: (v) => (v ? fmtTime(String(v)) : '—') },
+    {
+      title: '操作',
+      width: 140,
+      fixed: 'right',
+      render: (_, row) => (
+        <Space size={0}>
+          <Button
+            type="link"
+            size="small"
+            onClick={async () => {
+              setDetail(await request(`/admin/store-payouts/${row.id}`));
+              setDrawerOpen(true);
+            }}
+          >
+            详情
+          </Button>
+          {row.status === 'PENDING' && (
+            <Button type="link" size="small" onClick={() => void confirmPayout(row.id)}>
+              确认打款
+            </Button>
+          )}
+        </Space>
+      ),
+    },
+  ];
+
+  return (
+    <div>
+      <Space direction="vertical" size={0} style={{ marginBottom: 16 }}>
+        <Typography.Title level={4} style={{ margin: 0 }}>门店核销账单</Typography.Title>
+        <Typography.Text type="secondary">
+          每笔核销对应一条 T+1 打款账单，可按门店筛选查看
+        </Typography.Text>
+      </Space>
+      <Form
+        form={form}
+        layout="inline"
+        style={{ marginBottom: 16 }}
+        onFinish={(v) => {
+          setFilters(v);
+          setPage(1);
+        }}
+      >
+        <Form.Item name="storeId" label="门店">
+          <Select
+            allowClear
+            showSearch
+            placeholder="全部门店"
+            style={{ width: 200 }}
+            optionFilterProp="label"
+            options={stores.map((s) => ({
+              value: s.id,
+              label: `${s.name}（${s.phone}）`,
+            }))}
+          />
+        </Form.Item>
+        <Form.Item name="status" label="打款状态">
+          <Select
+            allowClear
+            style={{ width: 120 }}
+            placeholder="全部"
+            options={Object.entries(PAYOUT_STATUS_LABELS).map(([value, label]) => ({ value, label }))}
+          />
+        </Form.Item>
+        <Form.Item>
+          <Button type="primary" htmlType="submit">查询</Button>
+        </Form.Item>
+        <Form.Item>
+          <Button onClick={() => { form.resetFields(); setFilters({}); setPage(1); }}>重置</Button>
+        </Form.Item>
+      </Form>
+      <Table
+        rowKey="id"
+        className="admin-table-nowrap"
+        loading={loading}
+        columns={columns}
+        dataSource={data?.items ?? []}
+        scroll={{ x: 1200 }}
+        pagination={{
+          current: page,
+          pageSize,
+          total: data?.total ?? 0,
+          showSizeChanger: true,
+          onChange: (p, ps) => {
+            setPage(p);
+            setPageSize(ps);
+          },
+        }}
+      />
+      <Drawer title="账单详情" width={520} open={drawerOpen} onClose={() => setDrawerOpen(false)}>
+        {detail && (
+          <Descriptions column={1} bordered size="small">
+            <Descriptions.Item label="门店">{String((detail.store as { name?: string })?.name ?? '—')}</Descriptions.Item>
+            <Descriptions.Item label="核销单号">
+              {String((detail.redeemRecord as { redeemNo?: string })?.redeemNo ?? '—')}
+            </Descriptions.Item>
+            <Descriptions.Item label="核销面额">¥{String(detail.redeemAmount)}</Descriptions.Item>
+            <Descriptions.Item label="到账金额">¥{String(detail.payoutAmount)}</Descriptions.Item>
+            <Descriptions.Item label="结算比例">
+              {detail.settlementRate ? `${Math.round(Number(detail.settlementRate) * 100)}%` : '—'}
+            </Descriptions.Item>
+            <Descriptions.Item label="状态">
+              {PAYOUT_STATUS_LABELS[String(detail.status)] || String(detail.status)}
+            </Descriptions.Item>
+            <Descriptions.Item label="预计打款">{fmtTime(String(detail.expectedPayAt))}</Descriptions.Item>
+            <Descriptions.Item label="实际打款">
+              {detail.paidAt ? fmtTime(String(detail.paidAt)) : '—'}
+            </Descriptions.Item>
+            <Descriptions.Item label="创建时间">{fmtTime(String(detail.createdAt))}</Descriptions.Item>
+          </Descriptions>
+        )}
+      </Drawer>
+    </div>
+  );
+}
diff --git a/apps/admin-web/src/pages/StorePayoutsPage.tsx b/apps/admin-web/src/pages/StorePayoutsPage.tsx
deleted file mode 100644
index ec4bf8c..0000000
--- a/apps/admin-web/src/pages/StorePayoutsPage.tsx
+++ /dev/null
@@ -1,95 +0,0 @@
-import { useState } from 'react';
-import { Button, Descriptions, Drawer, Form, Input, Select, Table, Typography, message } from 'antd';
-import type { ColumnsType } from 'antd/es/table';
-import { request } from '../lib/api';
-import { fmtTime } from '../lib/constants';
-import { useAdminList } from '../lib/useAdminList';
-
-type Row = {
-  id: string;
-  redeemAmount: number;
-  payoutAmount: number;
-  status: string;
-  expectedPayAt: string;
-  paidAt?: string;
-  store?: { name: string; cityName: string };
-  redeemRecord?: { redeemNo: string };
-};
-
-export default function StorePayoutsPage() {
-  const [form] = Form.useForm();
-  const [filters, setFilters] = useState<Record<string, string>>({});
-  const { data, loading, page, pageSize, setPage, setPageSize, reload } = useAdminList<Row>(
-    '/admin/store-payouts',
-    () => {
-      const qs = new URLSearchParams();
-      if (filters.status) qs.set('status', filters.status);
-      if (filters.storeId) qs.set('storeId', filters.storeId);
-      return qs;
-    },
-    [filters],
-  );
-  const [detail, setDetail] = useState<Record<string, unknown> | null>(null);
-  const [drawerOpen, setDrawerOpen] = useState(false);
-
-  async function confirmPayout(id: string) {
-    await request(`/admin/store-payouts/${id}/confirm`, {
-      method: 'POST',
-      body: JSON.stringify({ remark: '财务确认打款' }),
-    });
-    message.success('已确认打款');
-    reload();
-  }
-
-  const columns: ColumnsType<Row> = [
-    { title: '门店', dataIndex: ['store', 'name'] },
-    { title: '城市', dataIndex: ['store', 'cityName'], width: 100 },
-    { title: '核销额', dataIndex: 'redeemAmount', width: 90, render: (v) => `¥${v}` },
-    { title: '打款额', dataIndex: 'payoutAmount', width: 90, render: (v) => `¥${v}` },
-    { title: '状态', dataIndex: 'status', width: 90 },
-    { title: '预计打款', dataIndex: 'expectedPayAt', width: 160, render: fmtTime },
-    { title: '实际打款', dataIndex: 'paidAt', width: 160, render: (v) => (v ? fmtTime(String(v)) : '—') },
-    {
-      title: '操作', width: 140,
-      render: (_, row) => (
-        <>
-          <Button type="link" size="small" onClick={async () => {
-            setDetail(await request(`/admin/store-payouts/${row.id}`));
-            setDrawerOpen(true);
-          }}>详情</Button>
-          {row.status === 'PENDING' && (
-            <Button type="link" size="small" onClick={() => confirmPayout(row.id)}>确认打款</Button>
-          )}
-        </>
-      ),
-    },
-  ];
-
-  return (
-    <div>
-      <Typography.Title level={4}>门店打款（T+1）</Typography.Title>
-      <Form form={form} layout="inline" style={{ marginBottom: 16 }} onFinish={(v) => { setFilters(v); setPage(1); }}>
-        <Form.Item name="status" label="状态">
-          <Select allowClear style={{ width: 120 }} options={[
-            { value: 'PENDING', label: '待打款' },
-            { value: 'PAID', label: '已打款' },
-          ]} />
-        </Form.Item>
-        <Form.Item name="storeId" label="门店ID"><Input allowClear /></Form.Item>
-        <Button type="primary" htmlType="submit">筛选</Button>
-      </Form>
-      <Table rowKey="id" loading={loading} columns={columns} dataSource={data?.items ?? []} scroll={{ x: 1000 }}
-        pagination={{ current: page, pageSize, total: data?.total ?? 0, showSizeChanger: true, onChange: (p, ps) => { setPage(p); setPageSize(ps); } }} />
-      <Drawer title="打款详情" width={520} open={drawerOpen} onClose={() => setDrawerOpen(false)}>
-        {detail && (
-          <Descriptions column={1} bordered size="small">
-            <Descriptions.Item label="核销额">¥{String(detail.redeemAmount)}</Descriptions.Item>
-            <Descriptions.Item label="打款额">¥{String(detail.payoutAmount)}</Descriptions.Item>
-            <Descriptions.Item label="状态">{String(detail.status)}</Descriptions.Item>
-            <Descriptions.Item label="预计打款">{fmtTime(String(detail.expectedPayAt))}</Descriptions.Item>
-          </Descriptions>
-        )}
-      </Drawer>
-    </div>
-  );
-}
diff --git a/apps/h5-shop/src/pages/LoginPage.tsx b/apps/h5-shop/src/pages/LoginPage.tsx
index 8215468..ca21971 100644
--- a/apps/h5-shop/src/pages/LoginPage.tsx
+++ b/apps/h5-shop/src/pages/LoginPage.tsx
@@ -9,7 +9,6 @@ function maskPhone(phone: string) {
   return `${phone.slice(0, 3)} **** ${phone.slice(-4)}`;
 }
 
-const DEV_DEFAULT_PHONE = import.meta.env.DEV ? '13900000001' : '';
 const DEV_DEFAULT_CODE = import.meta.env.DEV ? '123456' : '';
 
 export default function LoginPage() {
@@ -18,7 +17,7 @@ export default function LoginPage() {
   const [params] = useSearchParams();
   const quick = params.get('quick') === '1';
   const savedProfile = getStoreProfile();
-  const [phone, setPhone] = useState(getLastPhone() || DEV_DEFAULT_PHONE);
+  const [phone, setPhone] = useState(getLastPhone());
   const [code, setCode] = useState(DEV_DEFAULT_CODE);
   const [agreed, setAgreed] = useState(false);
   const [loading, setLoading] = useState(false);
diff --git a/scripts/smoke-prev1.mjs b/scripts/smoke-prev1.mjs
index e90e02c..8e6157e 100644
--- a/scripts/smoke-prev1.mjs
+++ b/scripts/smoke-prev1.mjs
@@ -64,7 +64,7 @@ async function main() {
   console.log('5. Shop login + redeem preview');
   const shopLogin = await loginSms(
     'SHOP_H5',
-    '13900000001',
+    '13910000001',
     'STORE_LOGIN',
     '/shop/auth/login/sms',
     '/shop/auth/sms/send',
diff --git a/scripts/smoke-v3.mjs b/scripts/smoke-v3.mjs
index 28999c2..005cba8 100644
--- a/scripts/smoke-v3.mjs
+++ b/scripts/smoke-v3.mjs
@@ -133,7 +133,7 @@ async function main() {
   console.log('8. Shop confirm redeem');
   const shopLogin = await loginSms(
     'SHOP_H5',
-    '13900000001',
+    '13910000001',
     'STORE_LOGIN',
     '/shop/auth/login/sms',
     '/shop/auth/sms/send',
diff --git a/scripts/test-shop-auth.mjs b/scripts/test-shop-auth.mjs
index 35e0d6c..ce0c69a 100644
--- a/scripts/test-shop-auth.mjs
+++ b/scripts/test-shop-auth.mjs
@@ -40,17 +40,17 @@ async function main() {
   console.log('2. STORE_LOGIN bound phone');
   await req('SHOP_H5', '/shop/auth/sms/send', {
     method: 'POST',
-    body: JSON.stringify({ phone: '13900000001', scene: 'STORE_LOGIN' }),
+    body: JSON.stringify({ phone: '13910000001', scene: 'STORE_LOGIN' }),
   });
   const login = await req('SHOP_H5', '/shop/auth/login/sms', {
     method: 'POST',
-    body: JSON.stringify({ phone: '13900000001', code: MOCK_SMS_CODE }),
+    body: JSON.stringify({ phone: '13910000001', code: MOCK_SMS_CODE }),
   });
   if (!login.accessToken || !login.refreshToken) throw new Error('login missing tokens');
 
   console.log('3. Shop session me + refresh');
   const me = await req('SHOP_H5', '/shop/auth/me', { token: login.accessToken });
-  if (me.phone !== '13900000001') throw new Error('me phone mismatch');
+  if (me.phone !== '13910000001') throw new Error('me phone mismatch');
   const refreshed = await req('SHOP_H5', '/shop/auth/token/refresh', {
     method: 'POST',
     body: JSON.stringify({ refreshToken: login.refreshToken }),
@@ -69,7 +69,7 @@ async function main() {
   const occupied = await expectFail('HQ_WEB', '/admin/stores/phone/sms/send', {
     method: 'POST',
     token: admin.accessToken,
-    body: JSON.stringify({ phone: '13900000001' }),
+    body: JSON.stringify({ phone: '13910000001' }),
   });
   if (!occupied.includes('已绑定')) throw new Error(`unexpected: ${occupied}`);
 
diff --git a/server/dukang-api/prisma/seed-prev1.ts b/server/dukang-api/prisma/seed-prev1.ts
index 5769e3e..b6742a2 100644
--- a/server/dukang-api/prisma/seed-prev1.ts
+++ b/server/dukang-api/prisma/seed-prev1.ts
@@ -143,7 +143,7 @@ async function main() {
       partnerId: partner.id,
       categoryId: categories[0].id,
       name: '郑州老城店',
-      phone: '0371-88880001',
+      phone: '13910000001',
       province: '河南省',
       cityName: '郑州市',
       district: '金水区',
@@ -165,7 +165,7 @@ async function main() {
       partnerId: partner.id,
       categoryId: categories[1].id,
       name: '郑州美食城店',
-      phone: '0371-88880002',
+      phone: '13910000002',
       province: '河南省',
       cityName: '郑州市',
       district: '二七区',
@@ -179,11 +179,7 @@ async function main() {
   });
 
   await prisma.storeAccount.create({
-    data: { storeId: store1.id, phone: '13900000001', name: '老城店店长' },
-  });
-
-  await prisma.storeAccount.create({
-    data: { storeId: store2.id, phone: '13900000002', name: '美食城店长' },
+    data: { storeId: store1.id, phone: '13910000001', name: '郑州老城店' },
   });
 
   await prisma.user.create({
@@ -233,7 +229,7 @@ async function main() {
     stores: 2,
     testPhones: {
       user: '13800000001',
-      store: '13900000001',
+      store: '13910000001',
       partner: '13700000001',
     },
   });
diff --git a/server/dukang-api/prisma/seed-v31.ts b/server/dukang-api/prisma/seed-v31.ts
index 792d36f..8bafbca 100644
--- a/server/dukang-api/prisma/seed-v31.ts
+++ b/server/dukang-api/prisma/seed-v31.ts
@@ -153,25 +153,23 @@ async function main() {
   const storeDefs = [
     {
       name: '郑州老城店',
-      phone: '0371-88880001',
+      phone: '13910000001',
       district: '金水区',
       address: '花园路100号',
       intro: '正宗河南菜，欢迎核销好客权益',
       img: 'https://picsum.photos/seed/store1/400/300',
       categoryId: categories[0].id,
-      accountPhone: '13900000001',
-      accountName: '老城店店长',
+      withAccount: true,
     },
     {
       name: '郑州美食城店',
-      phone: '0371-88880002',
+      phone: '13910000002',
       district: '二七区',
       address: '大学路200号',
       intro: '地方特色餐饮',
       img: 'https://picsum.photos/seed/store2/400/300',
       categoryId: categories[1].id,
-      accountPhone: '13900000002',
-      accountName: '美食城店长',
+      withAccount: false,
     },
   ];
 
@@ -198,9 +196,11 @@ async function main() {
     });
     const cover = await createMockResource(ResourceOwnerType.STORE, store.id, ResourceBizType.COVER, def.img);
     await prisma.store.update({ where: { id: store.id }, data: { coverResourceId: cover.id } });
-    await prisma.storeAccount.create({
-      data: { storeId: store.id, phone: def.accountPhone, name: def.accountName },
-    });
+    if (def.withAccount) {
+      await prisma.storeAccount.create({
+        data: { storeId: store.id, phone: def.phone, name: def.name },
+      });
+    }
   }
 
   await prisma.user.create({
@@ -252,7 +252,6 @@ async function main() {
     stores: storeDefs.length,
     testPhones: {
       user: '13800000001',
-      store: '13900000001',
       partner: '13700000001',
       hq: '13600000001',
     },
diff --git a/server/dukang-api/src/modules/settlement/settlement.service.ts b/server/dukang-api/src/modules/settlement/settlement.service.ts
index e76a949..80fe196 100644
--- a/server/dukang-api/src/modules/settlement/settlement.service.ts
+++ b/server/dukang-api/src/modules/settlement/settlement.service.ts
@@ -73,7 +73,7 @@ export class SettlementService {
         skip: (page - 1) * pageSize,
         take: pageSize,
         include: {
-          store: { select: { id: true, name: true, cityName: true } },
+          store: { select: { id: true, name: true, cityName: true, phone: true } },
           redeemRecord: { select: { redeemNo: true, amount: true, userId: true } },
         },
       }),