diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/PaymentApplicationServiceImpl.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/PaymentApplicationServiceImpl.java
index 2a754e8d..e5f1ea80 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/PaymentApplicationServiceImpl.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/PaymentApplicationServiceImpl.java
@@ -30,10 +30,15 @@ import org.springblade.core.secure.utils.AuthUtil;
 import org.springblade.core.tool.jackson.JsonUtil;
 import org.springblade.core.tool.utils.BeanUtil;
 import org.springblade.core.tool.utils.Func;
+import org.springblade.transport.constant.KingdeeBfiConstant;
 import org.springblade.system.cache.DictBizCache;
 import org.springblade.system.cache.SysCache;
 import org.springblade.system.pojo.entity.DictBiz;
 import org.springblade.system.pojo.entity.Dept;
+import org.springblade.thirdparty.bfi.pojo.dto.BfiApBillSaveDTO;
+import org.springblade.thirdparty.bfi.pojo.dto.BfiApBillSaveEntryDTO;
+import org.springblade.thirdparty.bfi.pojo.dto.BfiPayApplyPushDTO;
+import org.springblade.thirdparty.bfi.pojo.dto.BfiPayApplyPushEntryDTO;
 import org.springblade.thirdparty.bfi.pojo.dto.BfiPayApplySaveDTO;
 import org.springblade.thirdparty.bfi.pojo.dto.BfiPayApplySaveEntryDTO;
 import org.springblade.thirdparty.bfi.pojo.vo.BfiBillSaveResultItemVO;
@@ -103,11 +108,6 @@ public class PaymentApplicationServiceImpl extends BaseServiceImpl<PaymentApplic
 	private static final String APPROVED = "approved";
 	private static final String RETURNED = "returned";
 	private static final String VOIDED = "voided";
-	private static final String BFI_SUPPLIER_ASSTACT_TYPE = "bd_supplier";
-	private static final String BFI_CONTRACT_SRC_BT = "awrp_contract_info";
-	private static final String BFI_PROJECT_NUMBER_NONE = "999";
-	private static final String BFI_PAYMENT_TYPE_FORMAL = "201";
-	private static final String BFI_PAYMENT_TYPE_PREPAY = "202";
 	private final PaymentApplicationInvoiceMapper invoiceMapper;
 	private final PaymentApplicationRecordMapper recordMapper;
 	private final PaymentApplicationSettlementMapper settlementRelationMapper;
@@ -333,7 +333,17 @@ public class PaymentApplicationServiceImpl extends BaseServiceImpl<PaymentApplic
 		if ("synced".equals(entity.getKingdeeStatus())) return entity.getKingdeeBillNo();
 		String kingdeeBillId;
 		try {
-			kingdeeBillId = pushBfiPayApply(entity);
+			if ("settlement_payment".equals(entity.getPaymentType())) {
+				// 单据类型路由：按正式结算单结算类型——应付对应财务应付单（A102-2），应收对应财务应收单（A302-2，推送规则待业务确认）
+				requirePayableSettlement(entity);
+				// 正式结算付款：先推财务应付单（A102-2，仅校验保存成功，应付单id不落库，
+				// 后续如需可经 A102-4 按 awrp_src_sys + awrp_src_code 查询），再由应付下推付款申请（A103-1）
+				pushBfiApBill(entity);
+				kingdeeBillId = pushBfiPayApplyPush(entity);
+			} else {
+				// 预付款：直接推付款申请单（A103-3），不绑应付单
+				kingdeeBillId = pushBfiPayApply(entity);
+			}
 		} catch (ServiceException exception) {
 			markSyncFailed(entity);
 			throw exception;
@@ -370,7 +380,7 @@ public class PaymentApplicationServiceImpl extends BaseServiceImpl<PaymentApplic
 	}
 
 	/**
-	 * 推送金蝶付款申请单（A103-3 付款申请保存），返回金蝶单据id
+	 * 推送金蝶付款申请单（A103-3 付款申请保存，预付款路径），返回金蝶单据id
 	 *
 	 * @param entity 付款申请实体
 	 * @return 金蝶付款申请单id
@@ -399,15 +409,15 @@ public class PaymentApplicationServiceImpl extends BaseServiceImpl<PaymentApplic
 		param.setAwrpTextfield1(bfiPaymentMethodLabel(entity.getPaymentMethod()));
 
 		// 来源单据
-		param.setAwrpSrcBt(BFI_CONTRACT_SRC_BT);
+		param.setAwrpSrcBt(KingdeeBfiConstant.BFI_CONTRACT_SRC_BT);
 		// 有上游合同才传 awrpSrcConNo
 		// if (entity.getContractId() != null) {
 		// 	param.setAwrpSrcConNo(entity.getContractNo());
 		// }
 
 		BfiPayApplySaveEntryDTO entry = new BfiPayApplySaveEntryDTO();
-		entry.setEPaymenttypeNumber("settlement_payment".equals(entity.getPaymentType()) ? BFI_PAYMENT_TYPE_FORMAL : BFI_PAYMENT_TYPE_PREPAY);
-		entry.setEAsstacttype(BFI_SUPPLIER_ASSTACT_TYPE);
+		entry.setEPaymenttypeNumber("settlement_payment".equals(entity.getPaymentType()) ? KingdeeBfiConstant.BFI_PAYMENT_TYPE_FORMAL : KingdeeBfiConstant.BFI_PAYMENT_TYPE_PREPAY);
+		entry.setEAsstacttype(KingdeeBfiConstant.BFI_SUPPLIER_ASSTACT_TYPE);
 		// 供应商编码
 		entry.setEAsstactNumber(bfiSupplierCode(entity));
 		entry.setEAssacct(entity.getBankAccount());
@@ -423,17 +433,169 @@ public class PaymentApplicationServiceImpl extends BaseServiceImpl<PaymentApplic
 		param.setEntry(List.of(entry));
 
 		BfiBillSaveResultVO saveResult = bfiService.savePrePayApply(param);
-		// BfiBillSaveResultVO saveResult = null;
-		if (saveResult == null || Func.isEmpty(saveResult.getResult())) {
-			throw new ServiceException("推送金蝶付款申请失败，金蝶未返回单据结果");
-		}
+		return requireBfiBillId(saveResult, "推送金蝶付款申请");
+	}
 
-		BfiBillSaveResultItemVO item = saveResult.getResult().get(0);
-		if (!Boolean.TRUE.equals(item.getBillStatus()) || item.getId() == null) {
-			String errorText = Func.isEmpty(item.getErrors()) ? "未知错误" : String.join("；", item.getErrors());
-			throw new ServiceException("推送金蝶付款申请失败：" + errorText);
+	/**
+	 * 校验正式结算付款对应的结算单结算类型：应付（财务应付单 A102-2）直接放行，
+	 * 应收（对应财务应收单 A302-2）推送规则待业务确认，暂拦截报错。
+	 *
+	 * @param entity 付款申请实体
+	 */
+	private void requirePayableSettlement(PaymentApplication entity) {
+		if (entity.getSettlementId() == null) {
+			// 聚合多结算单场景暂按应付处理，TODO 待业务确认后细化
+			return;
 		}
-		return String.valueOf(item.getId());
+		FormalSettlement settlement = formalSettlementMapper.selectById(entity.getSettlementId());
+		if (settlement != null && "receivable".equals(settlement.getSettlementType())) {
+			throw new ServiceException("推送金蝶失败：结算单[" + entity.getSettlementNo() + "]结算类型为应收，对应财务应收单（A302-2），推送规则待业务确认后启用");
+		}
+	}
+
+	/**
+	 * 推送金蝶财务应付单（A102-2 财务应付单保存，正式结算付款第一步），仅校验保存成功
+	 *
+	 * @param entity 付款申请实体
+	 */
+	private void pushBfiApBill(PaymentApplication entity) {
+		if (Func.isBlank(KingdeeBfiConstant.BFI_AP_BILL_MATERIAL)) {
+			throw new ServiceException("推送金蝶财务应付单失败：明细物料编码待金蝶侧确认后补充（常量 KingdeeBfiConstant.BFI_AP_BILL_MATERIAL）");
+		}
+		if (Func.isBlank(KingdeeBfiConstant.BFI_AP_BILL_MEASURE_UNIT)) {
+			throw new ServiceException("推送金蝶财务应付单失败：明细计量单位待金蝶侧确认后补充（常量 KingdeeBfiConstant.BFI_AP_BILL_MEASURE_UNIT）");
+		}
+		ContractManage contract = requireContract(entity);
+		// 单据类型按映射字典转换：默认服务采购应付，金蝶确认其他类型后修改 BFI_AP_BILL_BILLTYPE_NAME 即可
+		String billtypeNumber = KingdeeBfiConstant.billtypeBy(KingdeeBfiConstant.AP_BILL_BILLTYPE_MAP, KingdeeBfiConstant.BFI_AP_BILL_BILLTYPE_NAME);
+		if (Func.isBlank(billtypeNumber)) {
+			throw new ServiceException("推送金蝶财务应付单失败：单据类型[" + KingdeeBfiConstant.BFI_AP_BILL_BILLTYPE_NAME + "]未在映射字典中维护");
+		}
+		String orgNumber = bfiOrgNumber(contract);
+		// 币种取合同结算币种
+		String currency = bfiCurrency(contract);
+		// TODO 待确认：日期格式沿用现有 A103-3 的 yyyyMMdd，若金蝶校验要求 yyyy-MM-dd 再统一调整
+		String billDateText = (entity.getApplyDate() == null ? LocalDate.now() : entity.getApplyDate()).format(DateTimeFormatter.BASIC_ISO_DATE);
+		BigDecimal applyAmount = money(entity.getAppliedAmount()).setScale(2, RoundingMode.HALF_UP);
+		BfiApBillSaveDTO param = new BfiApBillSaveDTO();
+		param.setBilltypeidNumber(billtypeNumber);
+		param.setOrgNumber(orgNumber);
+		param.setBizdate(billDateText);
+		param.setAsstacttype(KingdeeBfiConstant.BFI_SUPPLIER_ASSTACT_TYPE);
+		param.setAsstactNumber(bfiSupplierCode(entity));
+		param.setPurmode(KingdeeBfiConstant.BFI_AP_BILL_PUR_MODE);
+		param.setCurrencyNumber(currency);
+		param.setPayorgNumber(orgNumber);
+		param.setPurorgNumber(orgNumber);
+		param.setPaypropertyNumber(KingdeeBfiConstant.BFI_AP_BILL_PAY_PROPERTY);
+		// TODO 待确认：结算方式编码（settlementtype_number）与税率编码（taxrateid_number）需金蝶侧确认后补充，当前不传
+		param.setIsincludetax(true);
+		param.setIspricetotal(true);
+		param.setExratetableNumber(bfiPayApplyExratetable);
+		param.setExratedate(billDateText);
+		param.setAsstactname(entity.getPayeeName());
+		param.setRemark(entity.getPaymentNo() + (Func.isEmpty(entity.getSettlementNo()) ? "" : " " + entity.getSettlementNo()));
+		param.setAwrpSrcSys(bfiPayApplySrcSys);
+		param.setAwrpSrcCode(entity.getPaymentNo());
+		param.setAwrpSrcBt(KingdeeBfiConstant.BFI_CONTRACT_SRC_BT);
+		if (Func.isNotEmpty(entity.getContractNo())) {
+			param.setAwrpSrcConNo(entity.getContractNo());
+		}
+		param.setAwrpSrcType(KingdeeBfiConstant.BFI_AP_BILL_SRC_TYPE);
+
+		BfiApBillSaveEntryDTO entry = new BfiApBillSaveEntryDTO();
+		entry.setMaterialNumber(KingdeeBfiConstant.BFI_AP_BILL_MATERIAL);
+		entry.setMeasureunitNumber(KingdeeBfiConstant.BFI_AP_BILL_MEASURE_UNIT);
+		// 无吨位数据：数量固定 1，配合 ispricetotal=true 录入总价（含税应付金额）
+		entry.setQuantity(BigDecimal.ONE);
+		entry.setEPricetaxtotal(applyAmount);
+		entry.setProjectNumber(bfiProjectNumber(entity));
+		// 应付单分录唯一标识，A103-1 下推时以 awrp_finapbill_entryid 关联此行
+		entry.setAwrpEntryCode(entity.getPaymentNo() + "-1");
+		entry.setERemark(entity.getRemark());
+		param.setDetailentry(List.of(entry));
+
+		// 付款计划 planentity 不传，由金蝶按明细自动汇总生成
+		// TODO 待业务确认：存在预付款抵扣时是否需传预付信息 preentry（y_billtype/y_billid/y_settleamt），本期不传、后续迭代
+
+		BfiBillSaveResultVO saveResult = bfiService.saveApBill(param);
+		// 应付单id不落库，后续如需可经 A102-4 按防重键（awrp_src_sys + awrp_src_code）查询
+		requireBfiSaveSuccess(saveResult, "推送金蝶财务应付单");
+	}
+
+	/**
+	 * 推送金蝶付款申请（A103-1 应付下推付款申请，正式结算付款第二步），返回星瀚付款申请单id
+	 *
+	 * @param entity 付款申请实体
+	 * @return 星瀚付款申请单id
+	 */
+	private String pushBfiPayApplyPush(PaymentApplication entity) {
+		ContractManage contract = requireContract(entity);
+		String orgNumber = bfiOrgNumber(contract);
+		// TODO 待确认：日期格式沿用现有 A103-3 的 yyyyMMdd，若金蝶校验要求 yyyy-MM-dd 再统一调整
+		String applyDateText = (entity.getApplyDate() == null ? LocalDate.now() : entity.getApplyDate()).format(DateTimeFormatter.BASIC_ISO_DATE);
+		BigDecimal applyAmount = money(entity.getAppliedAmount()).setScale(2, RoundingMode.HALF_UP);
+		BfiPayApplyPushDTO param = new BfiPayApplyPushDTO();
+		param.setAwrpSrcCode(entity.getPaymentNo());
+		param.setAwrpSrcSys(bfiPayApplySrcSys);
+		param.setApplydate(applyDateText);
+		param.setPayorgNumber(orgNumber);
+		param.setPurorgNumber(orgNumber);
+		param.setApplycause(bfiApplyCause(entity.getPaymentType()));
+		param.setExratetableNumber(bfiPayApplyExratetable);
+		param.setExratedate(applyDateText);
+		param.setAwrpTextfield1(bfiPaymentMethodLabel(entity.getPaymentMethod()));
+		param.setCreatorName(entity.getApplicantName());
+
+		BfiPayApplyPushEntryDTO entry = new BfiPayApplyPushEntryDTO();
+		// 正式付款固定 201
+		entry.setEPaymenttypeNumber(KingdeeBfiConstant.BFI_PAYMENT_TYPE_FORMAL);
+		// 关联 A102-2 财务应付单分录，对应应付单明细的 awrp_entry_code
+		entry.setAwrpFinapbillEntryid(entity.getPaymentNo() + "-1");
+		entry.setAwrpEntryCode(entity.getPaymentNo() + "-1");
+		entry.setEAssacct(entity.getBankAccount());
+		// TODO 待确认：往来银行为必填编码（e_bebank_number），当前暂传银行名称，待建立银行档案编码映射后调整
+		entry.setEBebankNumber(entity.getBankName());
+		entry.setEApplyamount(applyAmount);
+		entry.setEExpaydate(applyDateText);
+		entry.setProjectNumber(bfiProjectNumber(entity));
+		entry.setERemark(entity.getRemark());
+		entry.setAwrpSrcType(bfiPayApplySrcType);
+		param.setEntry(List.of(entry));
+
+		BfiBillSaveResultVO saveResult = bfiService.pushPayApply(param);
+		return requireBfiBillId(saveResult, "推送金蝶付款申请（应付下推）");
+	}
+
+	/**
+	 * 校验金蝶保存/下推返回结果（单据级失败以 errors 明细抛出）
+	 *
+	 * @param saveResult 金蝶返回结果
+	 * @param action     业务动作描述，用于异常提示
+	 */
+	private void requireBfiSaveSuccess(BfiBillSaveResultVO saveResult, String action) {
+		if (saveResult == null || Func.isEmpty(saveResult.getResult())) {
+			throw new ServiceException(action + "失败，金蝶未返回单据结果");
+		}
+		BfiBillSaveResultItemVO item = saveResult.getResult().get(0);
+		if (!Boolean.TRUE.equals(item.getBillStatus())) {
+			String errorText = Func.isEmpty(item.getErrors()) ? "未知错误" : String.join("；", item.getErrors());
+			throw new ServiceException(action + "失败：" + errorText);
+		}
+	}
+
+	/**
+	 * 校验金蝶保存/下推返回结果并取星瀚单据id（单据级失败以 errors 明细抛出）
+	 *
+	 * @param saveResult 金蝶返回结果
+	 * @param action     业务动作描述，用于异常提示
+	 * @return 星瀚单据id
+	 */
+	private String requireBfiBillId(BfiBillSaveResultVO saveResult, String action) {
+		requireBfiSaveSuccess(saveResult, action);
+		Object billId = saveResult.getResult().get(0).getId();
+		if (billId == null) throw new ServiceException(action + "失败，金蝶未返回单据id");
+		return String.valueOf(billId);
 	}
 
 	private void markSyncFailed(PaymentApplication entity) {
@@ -485,9 +647,9 @@ public class PaymentApplicationServiceImpl extends BaseServiceImpl<PaymentApplic
 	}
 
 	private String bfiProjectNumber(PaymentApplication entity) {
-		if (entity.getProjectId() == null) return BFI_PROJECT_NUMBER_NONE;
+		if (entity.getProjectId() == null) return KingdeeBfiConstant.BFI_PROJECT_NUMBER_NONE;
 		ProjectApply project = projectApplyMapper.selectById(entity.getProjectId());
-		return project == null || Func.isEmpty(project.getProjectCode()) ? BFI_PROJECT_NUMBER_NONE : project.getProjectCode();
+		return project == null || Func.isEmpty(project.getProjectCode()) ? KingdeeBfiConstant.BFI_PROJECT_NUMBER_NONE : project.getProjectCode();
 	}
 
 	private void mockPaymentRecords(PaymentApplication entity) {