diff --git a/internal/domains/api/services/processors/ivyz/ivyzx5q2_processor.go b/internal/domains/api/services/processors/ivyz/ivyzx5q2_processor.go
index ebd67cc..f9dc425 100644
--- a/internal/domains/api/services/processors/ivyz/ivyzx5q2_processor.go
+++ b/internal/domains/api/services/processors/ivyz/ivyzx5q2_processor.go
@@ -10,6 +10,20 @@ import (
 	"tyapi-server/internal/infrastructure/external/shumai"
 )
 
+// 数脉 H5 活体结果查询中，以下 msg 表示检测不通过但属于正常业务响应，需返回 result=1 并扣费。
+var ivyzX5Q2BillableFailMsgs = map[string]struct{}{
+	"动作中检测不到人脸": {},
+	"用户拒绝打开摄像头": {},
+	"未检测到人脸":    {},
+}
+
+type ivyzX5Q2Resp struct {
+	OrderNo  string `json:"order_no,omitempty"`
+	Result   int    `json:"result"`
+	CodeDesc string `json:"codeDesc"`
+	FaceUrl  string `json:"faceUrl,omitempty"`
+}
+
 // ProcessIVYZX5Q2Request IVYZX5Q2  活体识别步骤二API处理方法
 func ProcessIVYZX5Q2Request(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
 	var paramsDto dto.IVYZX5Q2Req
@@ -29,6 +43,15 @@ func ProcessIVYZX5Q2Request(ctx context.Context, params []byte, deps *processors
 	apiPath := "/v4/liveness/h5/v4/result" // 接口路径，根据数脉文档填写（如 v4/xxx）
 	respBytes, err := deps.ShumaiService.CallAPIForm(ctx, apiPath, reqFormData)
 	if err != nil {
+		if shumaiErr := shumai.GetShumaiError(err); shumaiErr != nil && shumaiErr.IsParamError() {
+			if _, ok := ivyzX5Q2BillableFailMsgs[shumaiErr.Message]; ok {
+				resp, marshalErr := buildIVYZX5Q2FailResponse(ctx, shumaiErr.Message)
+				if marshalErr != nil {
+					return nil, errors.Join(processors.ErrSystem, marshalErr)
+				}
+				return resp, nil
+			}
+		}
 		if errors.Is(err, shumai.ErrNotFound) {
 			// 查无记录情况
 			return nil, errors.Join(processors.ErrNotFound, err)
@@ -55,3 +78,14 @@ func ProcessIVYZX5Q2Request(ctx context.Context, params []byte, deps *processors
 
 	return respBytes, nil
 }
+
+func buildIVYZX5Q2FailResponse(ctx context.Context, codeDesc string) ([]byte, error) {
+	resp := ivyzX5Q2Resp{
+		Result:   1,
+		CodeDesc: codeDesc,
+	}
+	if orderNo, ok := ctx.Value("transaction_id").(string); ok && orderNo != "" {
+		resp.OrderNo = orderNo
+	}
+	return json.Marshal(resp)
+}
diff --git a/internal/infrastructure/external/shumai/shumai_errors.go b/internal/infrastructure/external/shumai/shumai_errors.go
index 96e1494..9c24cb0 100644
--- a/internal/infrastructure/external/shumai/shumai_errors.go
+++ b/internal/infrastructure/external/shumai/shumai_errors.go
@@ -1,6 +1,7 @@
 package shumai
 
 import (
+	"errors"
 	"fmt"
 )
 
@@ -99,10 +100,23 @@ func IsShumaiError(err error) bool {
 	return ok
 }
 
-// GetShumaiError 获取数脉错误
+// GetShumaiError 获取数脉错误（支持 errors.Join 包装）
 func GetShumaiError(err error) *ShumaiError {
+	if err == nil {
+		return nil
+	}
+	type unwrapMulti interface {
+		Unwrap() []error
+	}
+	if u, ok := err.(unwrapMulti); ok {
+		for _, e := range u.Unwrap() {
+			if se := GetShumaiError(e); se != nil {
+				return se
+			}
+		}
+	}
 	if e, ok := err.(*ShumaiError); ok {
 		return e
 	}
-	return nil
+	return GetShumaiError(errors.Unwrap(err))
 }
diff --git a/internal/infrastructure/external/shumai/shumai_service.go b/internal/infrastructure/external/shumai/shumai_service.go
index 7d2ed48..177f16e 100644
--- a/internal/infrastructure/external/shumai/shumai_service.go
+++ b/internal/infrastructure/external/shumai/shumai_service.go
@@ -308,7 +308,7 @@ func (s *ShumaiService) CallAPIForm(ctx context.Context, apiPath string, reqForm
 
 	shumaiErr := NewShumaiErrorFromCode(codeStr)
 	if !shumaiErr.IsSuccess() {
-		if shumaiErr.Message == "未知错误" && msg != "" {
+		if msg != "" {
 			shumaiErr = NewShumaiError(codeStr, msg)
 		}
 		if s.logger != nil {