diff --git a/backend/services/planting-service/src/application/services/payment-compensation.service.ts b/backend/services/planting-service/src/application/services/payment-compensation.service.ts
index 7c90d8b7..1448686a 100644
--- a/backend/services/planting-service/src/application/services/payment-compensation.service.ts
+++ b/backend/services/planting-service/src/application/services/payment-compensation.service.ts
@@ -1,4 +1,4 @@
-import { Injectable, Logger, OnModuleInit } from '@nestjs/common';
+import { Injectable, Logger, OnModuleInit, Inject } from '@nestjs/common';
 import {
   PaymentCompensationRepository,
   PaymentCompensationRecord,
@@ -7,6 +7,7 @@ import {
   FailureStage,
 } from '../../infrastructure/persistence/repositories/payment-compensation.repository';
 import { WalletServiceClient } from '../../infrastructure/external/wallet-service.client';
+import { IPlantingOrderRepository, PLANTING_ORDER_REPOSITORY } from '../../domain/repositories/planting-order.repository';
 
 /**
  * 支付补偿服务
@@ -30,6 +31,8 @@ export class PaymentCompensationService implements OnModuleInit {
   constructor(
     private readonly compensationRepo: PaymentCompensationRepository,
     private readonly walletService: WalletServiceClient,
+    @Inject(PLANTING_ORDER_REPOSITORY)
+    private readonly orderRepository: IPlantingOrderRepository,
   ) {}
 
   onModuleInit() {
@@ -137,12 +140,25 @@ export class PaymentCompensationService implements OnModuleInit {
     }
   }
 
+  /**
+   * 从订单获取 accountSequence
+   */
+  private async getAccountSequence(orderNo: string): Promise<string> {
+    const order = await this.orderRepository.findByOrderNo(orderNo);
+    if (!order) {
+      throw new Error(`Order ${orderNo} not found`);
+    }
+    return order.accountSequence;
+  }
+
   /**
    * 处理解冻补偿
    */
   private async handleUnfreeze(record: PaymentCompensationRecord): Promise<void> {
+    const accountSequence = await this.getAccountSequence(record.orderNo);
     await this.walletService.unfreezeForPlanting({
       userId: record.userId.toString(),
+      accountSequence,
       orderId: record.orderNo,
     });
     this.logger.log(`Unfroze funds for order ${record.orderNo}`);
@@ -152,8 +168,10 @@ export class PaymentCompensationService implements OnModuleInit {
    * 处理重试确认扣款
    */
   private async handleRetryConfirm(record: PaymentCompensationRecord): Promise<void> {
+    const accountSequence = await this.getAccountSequence(record.orderNo);
     await this.walletService.confirmPlantingDeduction({
       userId: record.userId.toString(),
+      accountSequence,
       orderId: record.orderNo,
     });
     this.logger.log(`Confirmed deduction for order ${record.orderNo}`);
diff --git a/backend/services/planting-service/src/application/services/planting-application.service.ts b/backend/services/planting-service/src/application/services/planting-application.service.ts
index 67318357..c8ad2762 100644
--- a/backend/services/planting-service/src/application/services/planting-application.service.ts
+++ b/backend/services/planting-service/src/application/services/planting-application.service.ts
@@ -82,8 +82,8 @@ export class PlantingApplicationService {
   ): Promise<CreateOrderResult> {
     this.logger.log(`Creating order for user ${accountSequence}, treeCount: ${treeCount}`);
 
-    // 检查余额
-    const balance = await this.walletService.getBalance(userId.toString());
+    // 检查余额 - 使用 accountSequence 进行跨服务调用
+    const balance = await this.walletService.getBalance(accountSequence);
     const requiredAmount = treeCount * PRICE_PER_TREE;
     if (balance.available < requiredAmount) {
       throw new Error(
@@ -219,8 +219,9 @@ export class PlantingApplicationService {
       throw new Error('请先选择并确认省市');
     }
 
-    // 2. 验证钱包余额 (先检查，不扣款)
-    const balance = await this.walletService.getBalance(userId.toString());
+    // 2. 验证钱包余额 (先检查，不扣款) - 使用 accountSequence 进行跨服务调用
+    const walletIdentifier = accountSequence || order.accountSequence;
+    const balance = await this.walletService.getBalance(walletIdentifier);
     if (balance.available < order.totalAmount) {
       throw new Error(
         `余额不足: 需要 ${order.totalAmount} USDT, 当前可用 ${balance.available} USDT`,
diff --git a/backend/services/planting-service/src/infrastructure/external/wallet-service.client.ts b/backend/services/planting-service/src/infrastructure/external/wallet-service.client.ts
index ed24f882..b62832a2 100644
--- a/backend/services/planting-service/src/infrastructure/external/wallet-service.client.ts
+++ b/backend/services/planting-service/src/infrastructure/external/wallet-service.client.ts
@@ -399,6 +399,8 @@ export class WalletServiceClient {
   }): Promise<{
     provinceAccount: { accountSequence: string; created: boolean };
     cityAccount: { accountSequence: string; created: boolean };
+    provinceTeamAccount: { accountSequence: string; created: boolean };
+    cityTeamAccount: { accountSequence: string; created: boolean };
   }> {
     try {
       return await this.withRetry(
@@ -408,6 +410,8 @@ export class WalletServiceClient {
             this.httpService.post<{
               provinceAccount: { accountSequence: string; created: boolean };
               cityAccount: { accountSequence: string; created: boolean };
+              provinceTeamAccount: { accountSequence: string; created: boolean };
+              cityTeamAccount: { accountSequence: string; created: boolean };
             }>(
               `${this.baseUrl}/api/v1/wallets/ensure-region-accounts`,
               params,
@@ -427,6 +431,8 @@ export class WalletServiceClient {
         return {
           provinceAccount: { accountSequence: `9${params.provinceCode}`, created: true },
           cityAccount: { accountSequence: `8${params.cityCode}`, created: true },
+          provinceTeamAccount: { accountSequence: `7${params.provinceCode}`, created: true },
+          cityTeamAccount: { accountSequence: `6${params.cityCode}`, created: true },
         };
       }
       throw error;