diff --git a/background.js b/background.js
index dc315cd..b5ceb13 100644
--- a/background.js
+++ b/background.js
@@ -10616,6 +10616,12 @@ const AUTO_RUN_BACKGROUND_COMPLETED_STEP_KEYS = new Set([
   'fetch-signup-code',
   'wait-registration-success',
   'plus-checkout-create',
+  'paypal-hosted-openai-checkout',
+  'paypal-hosted-email',
+  'paypal-hosted-verification',
+  'paypal-hosted-card',
+  'paypal-hosted-create-account',
+  'paypal-hosted-review',
   'plus-checkout-billing',
   'paypal-approve',
   'plus-checkout-return',
@@ -11715,6 +11721,12 @@ const AUTO_RUN_NODE_DELAYS = Object.freeze({
   'fill-profile': 0,
   'wait-registration-success': 3000,
   'plus-checkout-create': 3000,
+  'paypal-hosted-openai-checkout': 2000,
+  'paypal-hosted-email': 2000,
+  'paypal-hosted-verification': 2000,
+  'paypal-hosted-card': 2000,
+  'paypal-hosted-create-account': 2000,
+  'paypal-hosted-review': 2000,
   'plus-checkout-billing': 2000,
   'gopay-subscription-confirm': 2000,
   'paypal-approve': 2000,
@@ -13443,8 +13455,11 @@ const plusCheckoutCreateExecutor = self.MultiPageBackgroundPlusCheckoutCreate?.c
   createAutomationTab,
   ensureContentScriptReadyOnTabUntilStopped,
   fetch: typeof fetch === 'function' ? fetch.bind(globalThis) : null,
+  getTabId,
   getState,
+  isTabAlive,
   markCurrentRegistrationAccountUsed,
+  queryTabsInAutomationWindow,
   registerTab,
   sendTabMessageUntilStopped,
   setState,
@@ -13727,6 +13742,12 @@ const stepExecutorsByKey = {
   'fill-profile': (state) => step5Executor.executeStep5(state),
   'wait-registration-success': (state) => step6Executor.executeStep6(state),
   'plus-checkout-create': (state) => plusCheckoutCreateExecutor.executePlusCheckoutCreate(state),
+  'paypal-hosted-openai-checkout': (state) => plusCheckoutCreateExecutor.executePayPalHostedOpenAiCheckout(state),
+  'paypal-hosted-email': (state) => plusCheckoutCreateExecutor.executePayPalHostedEmail(state),
+  'paypal-hosted-verification': (state) => plusCheckoutCreateExecutor.executePayPalHostedVerification(state),
+  'paypal-hosted-card': (state) => plusCheckoutCreateExecutor.executePayPalHostedCard(state),
+  'paypal-hosted-create-account': (state) => plusCheckoutCreateExecutor.executePayPalHostedCreateAccount(state),
+  'paypal-hosted-review': (state) => plusCheckoutCreateExecutor.executePayPalHostedReview(state),
   'plus-checkout-billing': (state) => plusCheckoutBillingExecutor.executePlusCheckoutBilling(state),
   'gopay-subscription-confirm': (state) => goPayManualConfirmExecutor.executeGoPayManualConfirm(state),
   'paypal-approve': (state) => normalizePlusPaymentMethod(state?.plusPaymentMethod) === PLUS_PAYMENT_METHOD_GOPAY
diff --git a/background/steps/create-plus-checkout.js b/background/steps/create-plus-checkout.js
index e3b1f71..e7018f9 100644
--- a/background/steps/create-plus-checkout.js
+++ b/background/steps/create-plus-checkout.js
@@ -20,6 +20,28 @@
   const HOSTED_CHECKOUT_VERIFICATION_POLL_ATTEMPTS = 12;
   const HOSTED_CHECKOUT_VERIFICATION_POLL_INTERVAL_MS = 5000;
   const HOSTED_CHECKOUT_DEFAULT_PHONE = '1234567890';
+  const PAYPAL_HOSTED_STAGE_OUTSIDE = 'outside_paypal';
+  const PAYPAL_HOSTED_STAGE_LOGIN = 'pay_login';
+  const PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT = 'guest_checkout';
+  const PAYPAL_HOSTED_STAGE_VERIFICATION = 'verification';
+  const PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT = 'create_account';
+  const PAYPAL_HOSTED_STAGE_REVIEW = 'review_consent';
+  const PAYPAL_HOSTED_STAGE_APPROVAL = 'approval';
+  const PAYPAL_HOSTED_STAGE_UNKNOWN = 'unknown';
+  const PAYPAL_HOSTED_STEP_OPENAI_CHECKOUT = 'paypal-hosted-openai-checkout';
+  const PAYPAL_HOSTED_STEP_EMAIL = 'paypal-hosted-email';
+  const PAYPAL_HOSTED_STEP_VERIFICATION = 'paypal-hosted-verification';
+  const PAYPAL_HOSTED_STEP_CARD = 'paypal-hosted-card';
+  const PAYPAL_HOSTED_STEP_CREATE_ACCOUNT = 'paypal-hosted-create-account';
+  const PAYPAL_HOSTED_STEP_REVIEW = 'paypal-hosted-review';
+  const PAYPAL_HOSTED_STEP_META = Object.freeze({
+    [PAYPAL_HOSTED_STEP_OPENAI_CHECKOUT]: { step: 7, label: '无卡直绑 OpenAI Checkout' },
+    [PAYPAL_HOSTED_STEP_EMAIL]: { step: 8, label: '无卡直绑 PayPal 邮箱页' },
+    [PAYPAL_HOSTED_STEP_VERIFICATION]: { step: 9, label: '无卡直绑 PayPal 验证码页' },
+    [PAYPAL_HOSTED_STEP_CARD]: { step: 10, label: '无卡直绑 PayPal 资料页' },
+    [PAYPAL_HOSTED_STEP_CREATE_ACCOUNT]: { step: 11, label: '无卡直绑 PayPal 创建确认页' },
+    [PAYPAL_HOSTED_STEP_REVIEW]: { step: 12, label: '无卡直绑 PayPal 授权复核页' },
+  });
 
   function createPlusCheckoutCreateExecutor(deps = {}) {
     const {
@@ -29,7 +51,10 @@
       createAutomationTab = null,
       ensureContentScriptReadyOnTabUntilStopped,
       fetch: fetchImpl = null,
+      getTabId = null,
       getState = null,
+      isTabAlive = null,
+      queryTabsInAutomationWindow = null,
       registerTab,
       sendTabMessageUntilStopped,
       setState,
@@ -47,6 +72,15 @@
       });
     }
 
+    function addHostedStepLog(stepKey, message, level = 'info', options = {}) {
+      const meta = PAYPAL_HOSTED_STEP_META[stepKey] || {};
+      return rawAddLog(message, level, {
+        step: meta.step || 6,
+        stepKey,
+        ...(options && typeof options === 'object' ? options : {}),
+      });
+    }
+
     function normalizePlusPaymentMethod(value = '') {
       const rootScope = typeof self !== 'undefined' ? self : globalThis;
       if (rootScope.GoPayUtils?.normalizePlusPaymentMethod) {
@@ -110,6 +144,178 @@
       return /^https:\/\/(?:pay\.openai\.com|checkout\.stripe\.com)\/c\/pay(?:\/|$)/i.test(String(url || ''));
     }
 
+    function isHostedCheckoutRuntimeUrl(url = '') {
+      return isHostedOpenAiCheckoutUrl(url) || isPayPalUrl(url) || isHostedCheckoutSuccessUrl(url);
+    }
+
+    function getHostedStepNumber(stepKey = '') {
+      return PAYPAL_HOSTED_STEP_META[stepKey]?.step || 6;
+    }
+
+    function normalizeHostedPhoneForPayload(phone = '') {
+      const digits = String(phone || '').replace(/\D/g, '');
+      if (!digits) {
+        return HOSTED_CHECKOUT_DEFAULT_PHONE;
+      }
+      if (digits.length > 10 && digits.startsWith('1')) {
+        return digits.slice(-10);
+      }
+      return digits.length > 10 ? digits.slice(-10) : digits;
+    }
+
+    function getHostedProfileFromState(state = {}) {
+      const profile = state?.plusHostedCheckoutGuestProfile || state?.hostedCheckoutGuestProfile || null;
+      return profile && typeof profile === 'object' && !Array.isArray(profile) ? profile : null;
+    }
+
+    async function getLatestHostedState(state = {}) {
+      const latestState = typeof getState === 'function' ? await getState().catch(() => ({})) : {};
+      return {
+        ...(latestState && typeof latestState === 'object' ? latestState : {}),
+        ...(state && typeof state === 'object' ? state : {}),
+      };
+    }
+
+    async function ensureHostedGuestProfile(state = {}) {
+      const mergedState = await getLatestHostedState(state);
+      const existingProfile = getHostedProfileFromState(mergedState) || {};
+      const config = await getHostedCheckoutRuntimeConfig(mergedState);
+      const address = existingProfile.address && typeof existingProfile.address === 'object'
+        ? existingProfile.address
+        : await fetchHostedCheckoutAddress();
+      const generatedProfile = buildHostedGuestProfile(address, {
+        phone: normalizeHostedPhoneForPayload(config.phone),
+      });
+      const nextProfile = {
+        ...generatedProfile,
+        ...existingProfile,
+        address,
+        phone: normalizeHostedPhoneForPayload(config.phone || existingProfile.phone),
+      };
+      await setState({
+        plusHostedCheckoutGuestProfile: nextProfile,
+        plusHostedCheckoutPhoneDigits: nextProfile.phone,
+      });
+      return {
+        profile: nextProfile,
+        config,
+      };
+    }
+
+    async function getTabById(tabId) {
+      const normalizedTabId = Number(tabId) || 0;
+      if (!normalizedTabId || !chrome?.tabs?.get) {
+        return null;
+      }
+      return chrome.tabs.get(normalizedTabId).catch(() => null);
+    }
+
+    async function registerHostedCheckoutTab(tabId, url = '') {
+      if (typeof registerTab !== 'function' || !Number.isInteger(Number(tabId))) {
+        return;
+      }
+      await registerTab(isPayPalUrl(url) ? PAYPAL_SOURCE : PLUS_CHECKOUT_SOURCE, Number(tabId));
+    }
+
+    async function findOpenHostedCheckoutTabId() {
+      const queryTabs = typeof queryTabsInAutomationWindow === 'function'
+        ? queryTabsInAutomationWindow
+        : (chrome?.tabs?.query ? (queryInfo) => chrome.tabs.query(queryInfo) : null);
+      if (typeof queryTabs !== 'function') {
+        return 0;
+      }
+      const tabs = await queryTabs({}).catch(() => []);
+      const candidates = (Array.isArray(tabs) ? tabs : [])
+        .filter((tab) => Number.isInteger(tab?.id) && isHostedCheckoutRuntimeUrl(tab.url || ''));
+      if (!candidates.length) {
+        return 0;
+      }
+      const match = candidates.find((tab) => tab.active && tab.currentWindow)
+        || candidates.find((tab) => tab.active)
+        || candidates[0];
+      if (match?.id && chrome?.tabs?.update) {
+        await chrome.tabs.update(match.id, { active: true }).catch(() => {});
+      }
+      await registerHostedCheckoutTab(match.id, match.url || '');
+      return match?.id || 0;
+    }
+
+    async function resolveHostedCheckoutTabId(state = {}, stepKey = '') {
+      const storedTabId = Number(state?.plusCheckoutTabId) || 0;
+      const storedTab = await getTabById(storedTabId);
+      if (storedTab?.id && isHostedCheckoutRuntimeUrl(storedTab.url || '')) {
+        await registerHostedCheckoutTab(storedTab.id, storedTab.url || '');
+        return storedTab.id;
+      }
+
+      if (typeof getTabId === 'function') {
+        const paypalTabId = await Promise.resolve(getTabId(PAYPAL_SOURCE)).catch(() => 0);
+        const paypalAlive = typeof isTabAlive !== 'function'
+          ? Boolean(paypalTabId)
+          : await Promise.resolve(isTabAlive(PAYPAL_SOURCE)).catch(() => false);
+        if (paypalTabId && paypalAlive) {
+          return paypalTabId;
+        }
+        const checkoutTabId = await Promise.resolve(getTabId(PLUS_CHECKOUT_SOURCE)).catch(() => 0);
+        const checkoutAlive = typeof isTabAlive !== 'function'
+          ? Boolean(checkoutTabId)
+          : await Promise.resolve(isTabAlive(PLUS_CHECKOUT_SOURCE)).catch(() => false);
+        if (checkoutTabId && checkoutAlive) {
+          return checkoutTabId;
+        }
+      }
+
+      const discoveredTabId = await findOpenHostedCheckoutTabId();
+      if (discoveredTabId) {
+        await addHostedStepLog(stepKey, `步骤 ${getHostedStepNumber(stepKey)}：已从当前浏览器标签中发现 PayPal 无卡直绑页面，正在接管继续执行。`, 'info');
+        return discoveredTabId;
+      }
+
+      throw new Error(`步骤 ${getHostedStepNumber(stepKey)}：未找到 PayPal 无卡直绑标签页，请先完成创建 checkout 节点。`);
+    }
+
+    async function getHostedCurrentUrl(tabId) {
+      const tab = await getTabById(tabId);
+      return String(tab?.url || '').trim();
+    }
+
+    async function updateHostedCheckoutTabState(tabId, payload = {}) {
+      const currentUrl = await getHostedCurrentUrl(tabId);
+      await setState({
+        plusCheckoutTabId: tabId,
+        plusCheckoutUrl: currentUrl,
+        ...(payload && typeof payload === 'object' ? payload : {}),
+      });
+      return currentUrl;
+    }
+
+    async function completeHostedStep(stepKey, tabId, payload = {}) {
+      const currentUrl = await updateHostedCheckoutTabState(tabId, payload);
+      await completeNodeFromBackground(stepKey, {
+        plusCheckoutUrl: currentUrl,
+        ...(payload && typeof payload === 'object' ? payload : {}),
+      });
+    }
+
+    async function completeHostedStepIfSuccessful(stepKey, tabId, state = {}, options = {}) {
+      const currentUrl = await getHostedCurrentUrl(tabId);
+      if (!isHostedCheckoutSuccessUrl(currentUrl)) {
+        return false;
+      }
+      const config = await getHostedCheckoutRuntimeConfig(state);
+      const shouldWait = Boolean(options.waitBeforeComplete);
+      if (shouldWait && config.oauthDelaySeconds > 0) {
+        await addHostedStepLog(stepKey, `步骤 ${getHostedStepNumber(stepKey)}：支付成功后等待 ${config.oauthDelaySeconds} 秒，再继续账号接入。`, 'info');
+        await sleepWithStop(config.oauthDelaySeconds * 1000);
+      }
+      await completeHostedStep(stepKey, tabId, {
+        plusReturnUrl: currentUrl,
+        plusHostedCheckoutCompleted: true,
+        plusHostedCheckoutOauthDelaySeconds: config.oauthDelaySeconds,
+      });
+      return true;
+    }
+
     async function waitForUrlMatch(tabId, matcher, timeoutMs = 30000, retryDelayMs = 500) {
       const deadline = Date.now() + Math.max(1000, Number(timeoutMs) || 30000);
       while (Date.now() < deadline) {
@@ -130,18 +336,18 @@
       const latestState = typeof getState === 'function' ? await getState().catch(() => ({})) : {};
       return {
         verificationUrl: String(
-          state?.hostedCheckoutVerificationUrl
-          || latestState?.hostedCheckoutVerificationUrl
+          latestState?.hostedCheckoutVerificationUrl
+          || state?.hostedCheckoutVerificationUrl
           || ''
         ).trim(),
         phone: String(
-          state?.hostedCheckoutPhoneNumber
-          || latestState?.hostedCheckoutPhoneNumber
+          latestState?.hostedCheckoutPhoneNumber
+          || state?.hostedCheckoutPhoneNumber
           || HOSTED_CHECKOUT_DEFAULT_PHONE
         ).trim(),
         oauthDelaySeconds: normalizeHostedCheckoutDelaySeconds(
-          state?.plusHostedCheckoutOauthDelaySeconds
-          ?? latestState?.plusHostedCheckoutOauthDelaySeconds
+          latestState?.plusHostedCheckoutOauthDelaySeconds
+          ?? state?.plusHostedCheckoutOauthDelaySeconds
         ),
       };
     }
@@ -386,72 +592,80 @@
       return result || {};
     }
 
-    async function runHostedPayPalCheckout(tabId, profile, config) {
-      const deadline = Date.now() + HOSTED_CHECKOUT_PAYPAL_TIMEOUT_MS;
-      while (Date.now() < deadline) {
-        throwIfStopped();
-        const tab = await chrome?.tabs?.get?.(tabId).catch(() => null);
-        if (!tab) {
-          throw new Error('步骤 6：PayPal 无卡直绑标签页已关闭。');
-        }
-        const currentUrl = String(tab.url || '').trim();
-        if (isHostedCheckoutSuccessUrl(currentUrl)) {
-          await addLog('步骤 6：PayPal 无卡直绑已回到 ChatGPT 支付成功页。', 'ok');
-          return currentUrl;
-        }
-        if (!isPayPalUrl(currentUrl)) {
-          await addLog(`步骤 6：无卡直绑已离开 PayPal（${currentUrl || '空 URL'}），继续等待支付成功页。`, 'info');
-          await sleepWithStop(1000);
-          continue;
-        }
-
-        const pageState = await getHostedPayPalState(tabId);
-        if (pageState.hostedStage === 'verification' && pageState.verificationInputsVisible) {
-          const verificationCode = await pollHostedVerificationCode(config.verificationUrl);
-          await runHostedPayPalStep(tabId, { verificationCode });
-          await sleepWithStop(1000);
-          continue;
-        }
-        if (pageState.hostedStage === 'pay_login') {
-          await addLog('步骤 6：正在填写 PayPal 无卡直绑登录邮箱。', 'info');
-          await runHostedPayPalStep(tabId, { email: profile.email });
-          await sleepWithStop(1000);
-          continue;
-        }
-        if (pageState.hostedStage === 'guest_checkout') {
-          await addLog('步骤 6：正在填写 PayPal 无卡直绑卡支付资料。', 'info');
-          await runHostedPayPalStep(tabId, {
-            ...profile,
-            phone: config.phone || profile.phone,
-          });
-          await sleepWithStop(1500);
-          continue;
-        }
-        if (pageState.hostedStage === 'review_consent') {
-          await addLog('步骤 6：正在确认 PayPal 无卡直绑账单复核页。', 'info');
-          await runHostedPayPalStep(tabId, {});
-          await sleepWithStop(1000);
-          continue;
-        }
-        if (pageState.hostedStage === 'approval') {
-          throw new Error('步骤 6：无卡直绑流程进入普通 PayPal 授权页，请检查支付方式是否选择正确。');
-        }
-        await sleepWithStop(1000);
+    function getHostedStageOrder(stage = '') {
+      switch (stage) {
+        case PAYPAL_HOSTED_STAGE_LOGIN:
+          return 1;
+        case PAYPAL_HOSTED_STAGE_VERIFICATION:
+          return 2;
+        case PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT:
+          return 3;
+        case PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT:
+          return 4;
+        case PAYPAL_HOSTED_STAGE_REVIEW:
+          return 5;
+        case PAYPAL_HOSTED_STAGE_OUTSIDE:
+          return 6;
+        default:
+          return 0;
       }
-      throw new Error('步骤 6：PayPal 无卡直绑自动化超时，未等到支付成功页。');
     }
 
-    async function waitHostedSuccessDelayAndComplete(tabId, state = {}, successUrl = '') {
-      const config = await getHostedCheckoutRuntimeConfig(state);
-      if (config.oauthDelaySeconds > 0) {
-        await addLog(`步骤 6：支付成功后等待 ${config.oauthDelaySeconds} 秒，再继续账号接入。`, 'info');
-        await sleepWithStop(config.oauthDelaySeconds * 1000);
+    function isHostedStageAtOrAfter(stage = '', expectedStage = '') {
+      const currentOrder = getHostedStageOrder(stage);
+      const expectedOrder = getHostedStageOrder(expectedStage);
+      return currentOrder > 0 && expectedOrder > 0 && currentOrder >= expectedOrder;
+    }
+
+    async function waitForHostedPayPalStage(tabId, predicate, options = {}) {
+      const timeoutMs = Math.max(1000, Number(options.timeoutMs) || HOSTED_CHECKOUT_TRANSITION_TIMEOUT_MS);
+      const intervalMs = Math.max(100, Number(options.intervalMs) || 500);
+      const label = String(options.label || 'PayPal 无卡直绑页面').trim();
+      const deadline = Date.now() + timeoutMs;
+      let lastStage = '';
+      while (Date.now() < deadline) {
+        throwIfStopped();
+        const currentUrl = await getHostedCurrentUrl(tabId);
+        if (isHostedCheckoutSuccessUrl(currentUrl)) {
+          return {
+            successUrl: currentUrl,
+            hostedStage: PAYPAL_HOSTED_STAGE_OUTSIDE,
+          };
+        }
+        if (!isPayPalUrl(currentUrl)) {
+          await sleepWithStop(intervalMs);
+          continue;
+        }
+        try {
+          const pageState = await getHostedPayPalState(tabId);
+          lastStage = pageState?.hostedStage || lastStage;
+          if (predicate(pageState)) {
+            return pageState;
+          }
+        } catch (error) {
+          lastStage = error?.message || lastStage;
+        }
+        await sleepWithStop(intervalMs);
       }
-      await completeNodeFromBackground('plus-checkout-create', {
-        plusReturnUrl: successUrl,
-        plusHostedCheckoutCompleted: true,
-        plusHostedCheckoutOauthDelaySeconds: config.oauthDelaySeconds,
-      });
+      throw new Error(`${label}等待超时${lastStage ? `（最后状态：${lastStage}）` : ''}。`);
+    }
+
+    async function waitForHostedUrlAfterAction(tabId, matcher, options = {}) {
+      const timeoutMs = Math.max(1000, Number(options.timeoutMs) || HOSTED_CHECKOUT_TRANSITION_TIMEOUT_MS);
+      const intervalMs = Math.max(100, Number(options.intervalMs) || 500);
+      const label = String(options.label || 'PayPal 无卡直绑跳转').trim();
+      const deadline = Date.now() + timeoutMs;
+      while (Date.now() < deadline) {
+        throwIfStopped();
+        const currentTab = await getTabById(tabId);
+        const currentUrl = String(currentTab?.url || '').trim();
+        if (matcher(currentUrl, currentTab)) {
+          await waitForTabCompleteUntilStopped(tabId).catch(() => {});
+          return currentUrl;
+        }
+        await sleepWithStop(intervalMs);
+      }
+      throw new Error(`${label}等待超时。`);
     }
 
     function resolveCheckoutTargetUrl(result = {}, paymentMethod = PLUS_PAYMENT_METHOD_PAYPAL) {
@@ -484,56 +698,298 @@
       );
       const landedUrl = String(landedTab?.url || targetCheckoutUrl || '').trim();
 
+      const isAlreadySuccessful = isHostedCheckoutSuccessUrl(landedUrl);
       await setState({
         plusCheckoutTabId: tabId,
         plusCheckoutUrl: landedUrl,
         plusCheckoutCountry: result.country || 'US',
         plusCheckoutCurrency: result.currency || 'USD',
         plusCheckoutSource: PLUS_PAYMENT_METHOD_PAYPAL_HOSTED,
-        plusReturnUrl: '',
+        plusReturnUrl: isAlreadySuccessful ? landedUrl : '',
+        plusHostedCheckoutCompleted: isAlreadySuccessful,
       });
 
-      await addLog(`步骤 6：PayPal 无卡直绑页面已就绪（${result.country || 'US'} ${result.currency || 'USD'}），开始自动完成直绑支付链路。`, 'info');
+      await addLog(`步骤 6：PayPal 无卡直绑页面已就绪（${result.country || 'US'} ${result.currency || 'USD'}），准备进入页面级直绑节点。`, 'info');
 
-      if (isHostedCheckoutSuccessUrl(landedUrl)) {
-        await waitHostedSuccessDelayAndComplete(tabId, state, landedUrl);
+      await completeNodeFromBackground('plus-checkout-create', {
+        plusCheckoutCountry: result.country || 'US',
+        plusCheckoutCurrency: result.currency || 'USD',
+        plusCheckoutSource: PLUS_PAYMENT_METHOD_PAYPAL_HOSTED,
+        plusCheckoutUrl: landedUrl,
+        plusReturnUrl: isAlreadySuccessful ? landedUrl : '',
+        plusHostedCheckoutCompleted: isAlreadySuccessful,
+      });
+    }
+
+    async function executePayPalHostedOpenAiCheckout(state = {}) {
+      const stepKey = PAYPAL_HOSTED_STEP_OPENAI_CHECKOUT;
+      const stepNumber = getHostedStepNumber(stepKey);
+      const tabId = await resolveHostedCheckoutTabId(state, stepKey);
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state)) {
         return;
       }
 
+      let currentUrl = await getHostedCurrentUrl(tabId);
+      if (isPayPalUrl(currentUrl)) {
+        await addHostedStepLog(stepKey, `步骤 ${stepNumber}：当前已在 PayPal 页面，OpenAI Checkout 节点直接完成。`, 'info');
+        await completeHostedStep(stepKey, tabId, {
+          plusCheckoutSource: PLUS_PAYMENT_METHOD_PAYPAL_HOSTED,
+        });
+        return;
+      }
+      if (!isHostedOpenAiCheckoutUrl(currentUrl)) {
+        currentUrl = await waitForHostedUrlAfterAction(
+          tabId,
+          (url) => isHostedOpenAiCheckoutUrl(url) || isPayPalUrl(url) || isHostedCheckoutSuccessUrl(url),
+          { label: `步骤 ${stepNumber}：等待 OpenAI hosted checkout 页面` }
+        );
+      }
+      if (isHostedCheckoutSuccessUrl(currentUrl)) {
+        await completeHostedStep(stepKey, tabId, {
+          plusReturnUrl: currentUrl,
+          plusHostedCheckoutCompleted: true,
+        });
+        return;
+      }
+      if (isPayPalUrl(currentUrl)) {
+        await completeHostedStep(stepKey, tabId, {
+          plusCheckoutSource: PLUS_PAYMENT_METHOD_PAYPAL_HOSTED,
+        });
+        return;
+      }
+
+      const { profile, config } = await ensureHostedGuestProfile(state);
+      await addHostedStepLog(stepKey, `步骤 ${stepNumber}：正在选择 PayPal 并提交 OpenAI hosted checkout（电话使用本地号码 ${profile.phone}）。`, 'info');
+      const transitionUrl = await runHostedOpenAiCheckout(tabId, profile, config);
+      const completedUrl = String(transitionUrl || await getHostedCurrentUrl(tabId) || '').trim();
+      await completeHostedStep(stepKey, tabId, {
+        plusCheckoutSource: PLUS_PAYMENT_METHOD_PAYPAL_HOSTED,
+        plusCheckoutUrl: completedUrl,
+        plusReturnUrl: isHostedCheckoutSuccessUrl(completedUrl) ? completedUrl : '',
+        plusHostedCheckoutCompleted: isHostedCheckoutSuccessUrl(completedUrl),
+      });
+    }
+
+    async function executePayPalHostedEmail(state = {}) {
+      const stepKey = PAYPAL_HOSTED_STEP_EMAIL;
+      const stepNumber = getHostedStepNumber(stepKey);
+      const tabId = await resolveHostedCheckoutTabId(state, stepKey);
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state)) {
+        return;
+      }
+      const { profile } = await ensureHostedGuestProfile(state);
+      await waitForHostedUrlAfterAction(
+        tabId,
+        (url) => isPayPalUrl(url) || isHostedCheckoutSuccessUrl(url),
+        { label: `步骤 ${stepNumber}：等待 PayPal 邮箱页` }
+      );
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state)) {
+        return;
+      }
+
+      const pageState = await getHostedPayPalState(tabId);
+      if (isHostedStageAtOrAfter(pageState.hostedStage, PAYPAL_HOSTED_STAGE_VERIFICATION)
+        && pageState.hostedStage !== PAYPAL_HOSTED_STAGE_LOGIN) {
+        await addHostedStepLog(stepKey, `步骤 ${stepNumber}：当前 PayPal 已进入后续页面（${pageState.hostedStage}），邮箱节点直接完成。`, 'info');
+        await completeHostedStep(stepKey, tabId, {
+          plusHostedCheckoutLastStage: pageState.hostedStage,
+        });
+        return;
+      }
+      if (pageState.hostedStage !== PAYPAL_HOSTED_STAGE_LOGIN) {
+        throw new Error(`步骤 ${stepNumber}：当前不是 PayPal 邮箱页（当前状态：${pageState.hostedStage || PAYPAL_HOSTED_STAGE_UNKNOWN}）。`);
+      }
+
+      await addHostedStepLog(stepKey, `步骤 ${stepNumber}：正在填写 PayPal 无卡直绑邮箱。`, 'info');
+      await runHostedPayPalStep(tabId, {
+        expectedStage: PAYPAL_HOSTED_STAGE_LOGIN,
+        email: profile.email,
+      });
+      const nextState = await waitForHostedPayPalStage(
+        tabId,
+        (stateInfo) => stateInfo?.hostedStage && stateInfo.hostedStage !== PAYPAL_HOSTED_STAGE_LOGIN,
+        { label: `步骤 ${stepNumber}：等待 PayPal 邮箱页跳转` }
+      );
+      await completeHostedStep(stepKey, tabId, {
+        plusHostedCheckoutLastStage: nextState.hostedStage || '',
+      });
+    }
+
+    async function executePayPalHostedVerification(state = {}) {
+      const stepKey = PAYPAL_HOSTED_STEP_VERIFICATION;
+      const stepNumber = getHostedStepNumber(stepKey);
+      const tabId = await resolveHostedCheckoutTabId(state, stepKey);
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state)) {
+        return;
+      }
+      await waitForHostedUrlAfterAction(
+        tabId,
+        (url) => isPayPalUrl(url) || isHostedCheckoutSuccessUrl(url),
+        { label: `步骤 ${stepNumber}：等待 PayPal 验证码页` }
+      );
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state)) {
+        return;
+      }
+
+      const pageState = await getHostedPayPalState(tabId);
+      if (isHostedStageAtOrAfter(pageState.hostedStage, PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT)
+        && pageState.hostedStage !== PAYPAL_HOSTED_STAGE_VERIFICATION) {
+        await addHostedStepLog(stepKey, `步骤 ${stepNumber}：当前 PayPal 已进入后续页面（${pageState.hostedStage}），验证码节点直接完成。`, 'info');
+        await completeHostedStep(stepKey, tabId, {
+          plusHostedCheckoutLastStage: pageState.hostedStage,
+        });
+        return;
+      }
+      if (pageState.hostedStage !== PAYPAL_HOSTED_STAGE_VERIFICATION) {
+        throw new Error(`步骤 ${stepNumber}：当前不是 PayPal 验证码页（当前状态：${pageState.hostedStage || PAYPAL_HOSTED_STAGE_UNKNOWN}）。`);
+      }
+
       const config = await getHostedCheckoutRuntimeConfig(state);
-      const address = await fetchHostedCheckoutAddress();
-      const guestProfile = buildHostedGuestProfile(address, config);
-      let transitionUrl = landedUrl;
+      const verificationCode = await pollHostedVerificationCode(config.verificationUrl);
+      await addHostedStepLog(stepKey, `步骤 ${stepNumber}：正在填写 PayPal 无卡直绑验证码。`, 'info');
+      await runHostedPayPalStep(tabId, {
+        expectedStage: PAYPAL_HOSTED_STAGE_VERIFICATION,
+        verificationCode,
+      });
+      const nextState = await waitForHostedPayPalStage(
+        tabId,
+        (stateInfo) => stateInfo?.hostedStage && stateInfo.hostedStage !== PAYPAL_HOSTED_STAGE_VERIFICATION,
+        { label: `步骤 ${stepNumber}：等待 PayPal 验证码页跳转` }
+      );
+      await completeHostedStep(stepKey, tabId, {
+        plusHostedCheckoutLastStage: nextState.hostedStage || '',
+      });
+    }
 
-      if (isHostedOpenAiCheckoutUrl(transitionUrl)) {
-        transitionUrl = await runHostedOpenAiCheckout(tabId, guestProfile, config);
+    async function executePayPalHostedCard(state = {}) {
+      const stepKey = PAYPAL_HOSTED_STEP_CARD;
+      const stepNumber = getHostedStepNumber(stepKey);
+      const tabId = await resolveHostedCheckoutTabId(state, stepKey);
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state)) {
+        return;
       }
-
-      if (isHostedCheckoutSuccessUrl(transitionUrl)) {
-        await waitHostedSuccessDelayAndComplete(tabId, state, transitionUrl);
+      await waitForHostedUrlAfterAction(
+        tabId,
+        (url) => isPayPalUrl(url) || isHostedCheckoutSuccessUrl(url),
+        { label: `步骤 ${stepNumber}：等待 PayPal 资料页` }
+      );
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state)) {
         return;
       }
 
-      if (!isPayPalUrl(transitionUrl)) {
-        const transitionTab = await waitForUrlMatch(
-          tabId,
-          (url) => isPayPalUrl(url) || isHostedCheckoutSuccessUrl(url),
-          HOSTED_CHECKOUT_TRANSITION_TIMEOUT_MS,
-          500
+      const pageState = await getHostedPayPalState(tabId);
+      if (isHostedStageAtOrAfter(pageState.hostedStage, PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT)
+        && pageState.hostedStage !== PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT) {
+        await addHostedStepLog(stepKey, `步骤 ${stepNumber}：当前 PayPal 已进入后续页面（${pageState.hostedStage}），资料节点直接完成。`, 'info');
+        await completeHostedStep(stepKey, tabId, {
+          plusHostedCheckoutLastStage: pageState.hostedStage,
+        });
+        return;
+      }
+      if (pageState.hostedStage !== PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT) {
+        throw new Error(`步骤 ${stepNumber}：当前不是 PayPal 资料页（当前状态：${pageState.hostedStage || PAYPAL_HOSTED_STAGE_UNKNOWN}）。`);
+      }
+
+      const { profile } = await ensureHostedGuestProfile(state);
+      await addHostedStepLog(stepKey, `步骤 ${stepNumber}：正在填写 PayPal 无卡直绑资料，提交前会复查电话是否为 ${profile.phone}。`, 'info');
+      const cardResult = await runHostedPayPalStep(tabId, {
+        ...profile,
+        expectedStage: PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT,
+        phone: profile.phone,
+      });
+      if (cardResult?.phoneMatched) {
+        await addHostedStepLog(
+          stepKey,
+          `步骤 ${stepNumber}：PayPal 页面电话复查通过（配置 ${cardResult.payloadPhoneDigits}，页面 ${cardResult.renderedPhoneDigits}）。`,
+          'info'
         );
-        transitionUrl = String(transitionTab?.url || '').trim();
       }
+      const nextState = await waitForHostedPayPalStage(
+        tabId,
+        (stateInfo) => stateInfo?.hostedStage && stateInfo.hostedStage !== PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT,
+        { label: `步骤 ${stepNumber}：等待 PayPal 资料页跳转` }
+      );
+      await completeHostedStep(stepKey, tabId, {
+        plusHostedCheckoutLastStage: nextState.hostedStage || '',
+      });
+    }
 
-      if (isHostedCheckoutSuccessUrl(transitionUrl)) {
-        await waitHostedSuccessDelayAndComplete(tabId, state, transitionUrl);
+    async function executePayPalHostedCreateAccount(state = {}) {
+      const stepKey = PAYPAL_HOSTED_STEP_CREATE_ACCOUNT;
+      const stepNumber = getHostedStepNumber(stepKey);
+      const tabId = await resolveHostedCheckoutTabId(state, stepKey);
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state)) {
         return;
       }
-      if (!isPayPalUrl(transitionUrl)) {
-        throw new Error('步骤 6：PayPal 无卡直绑提交后未进入 PayPal 或支付成功页。');
+      await waitForHostedUrlAfterAction(
+        tabId,
+        (url) => isPayPalUrl(url) || isHostedCheckoutSuccessUrl(url),
+        { label: `步骤 ${stepNumber}：等待 PayPal 创建确认页` }
+      );
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state)) {
+        return;
       }
 
-      const successUrl = await runHostedPayPalCheckout(tabId, guestProfile, config);
-      await waitHostedSuccessDelayAndComplete(tabId, state, successUrl);
+      const pageState = await getHostedPayPalState(tabId);
+      if (isHostedStageAtOrAfter(pageState.hostedStage, PAYPAL_HOSTED_STAGE_REVIEW)
+        && pageState.hostedStage !== PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT) {
+        await addHostedStepLog(stepKey, `步骤 ${stepNumber}：当前 PayPal 已进入后续页面（${pageState.hostedStage}），创建确认节点直接完成。`, 'info');
+        await completeHostedStep(stepKey, tabId, {
+          plusHostedCheckoutLastStage: pageState.hostedStage,
+        });
+        return;
+      }
+      if (pageState.hostedStage !== PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT) {
+        throw new Error(`步骤 ${stepNumber}：当前不是 PayPal 创建确认页（当前状态：${pageState.hostedStage || PAYPAL_HOSTED_STAGE_UNKNOWN}）。`);
+      }
+
+      await addHostedStepLog(stepKey, `步骤 ${stepNumber}：正在确认创建 PayPal 账号。`, 'info');
+      await runHostedPayPalStep(tabId, {
+        expectedStage: PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT,
+      });
+      const nextState = await waitForHostedPayPalStage(
+        tabId,
+        (stateInfo) => stateInfo?.hostedStage && stateInfo.hostedStage !== PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT,
+        { label: `步骤 ${stepNumber}：等待 PayPal 创建确认页跳转` }
+      );
+      await completeHostedStep(stepKey, tabId, {
+        plusHostedCheckoutLastStage: nextState.hostedStage || '',
+      });
+    }
+
+    async function executePayPalHostedReview(state = {}) {
+      const stepKey = PAYPAL_HOSTED_STEP_REVIEW;
+      const stepNumber = getHostedStepNumber(stepKey);
+      const tabId = await resolveHostedCheckoutTabId(state, stepKey);
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state, { waitBeforeComplete: true })) {
+        return;
+      }
+      await waitForHostedUrlAfterAction(
+        tabId,
+        (url) => isPayPalUrl(url) || isHostedCheckoutSuccessUrl(url),
+        { label: `步骤 ${stepNumber}：等待 PayPal 授权复核页` }
+      );
+      if (await completeHostedStepIfSuccessful(stepKey, tabId, state, { waitBeforeComplete: true })) {
+        return;
+      }
+
+      const pageState = await getHostedPayPalState(tabId);
+      if (pageState.hostedStage !== PAYPAL_HOSTED_STAGE_REVIEW) {
+        throw new Error(`步骤 ${stepNumber}：当前不是 PayPal 授权复核页（当前状态：${pageState.hostedStage || PAYPAL_HOSTED_STAGE_UNKNOWN}）。`);
+      }
+
+      await addHostedStepLog(stepKey, `步骤 ${stepNumber}：正在确认 PayPal 授权复核页。`, 'info');
+      await runHostedPayPalStep(tabId, {
+        expectedStage: PAYPAL_HOSTED_STAGE_REVIEW,
+      });
+      await waitForHostedUrlAfterAction(
+        tabId,
+        (url) => isHostedCheckoutSuccessUrl(url),
+        { label: `步骤 ${stepNumber}：等待 PayPal 回到 ChatGPT 支付成功页`, timeoutMs: HOSTED_CHECKOUT_PAYPAL_TIMEOUT_MS }
+      );
+      if (!await completeHostedStepIfSuccessful(stepKey, tabId, state, { waitBeforeComplete: true })) {
+        throw new Error(`步骤 ${stepNumber}：PayPal 授权后未检测到 ChatGPT 支付成功页。`);
+      }
     }
 
     function normalizeHelperCountryCode(countryCode = '86') {
@@ -990,6 +1446,12 @@
 
     return {
       executePlusCheckoutCreate,
+      executePayPalHostedOpenAiCheckout,
+      executePayPalHostedEmail,
+      executePayPalHostedVerification,
+      executePayPalHostedCard,
+      executePayPalHostedCreateAccount,
+      executePayPalHostedReview,
     };
   }
 
diff --git a/content/paypal-flow.js b/content/paypal-flow.js
index 9fd8782..a1d844b 100644
--- a/content/paypal-flow.js
+++ b/content/paypal-flow.js
@@ -8,9 +8,17 @@ const PAYPAL_HOSTED_STAGE_OUTSIDE = 'outside_paypal';
 const PAYPAL_HOSTED_STAGE_LOGIN = 'pay_login';
 const PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT = 'guest_checkout';
 const PAYPAL_HOSTED_STAGE_VERIFICATION = 'verification';
+const PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT = 'create_account';
 const PAYPAL_HOSTED_STAGE_REVIEW = 'review_consent';
 const PAYPAL_HOSTED_STAGE_APPROVAL = 'approval';
 const PAYPAL_HOSTED_STAGE_UNKNOWN = 'unknown';
+const PAYPAL_HOSTED_STEP_KEYS = {
+  [PAYPAL_HOSTED_STAGE_LOGIN]: 'paypal-hosted-email',
+  [PAYPAL_HOSTED_STAGE_VERIFICATION]: 'paypal-hosted-verification',
+  [PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT]: 'paypal-hosted-card',
+  [PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT]: 'paypal-hosted-create-account',
+  [PAYPAL_HOSTED_STAGE_REVIEW]: 'paypal-hosted-review',
+};
 
 if (document.documentElement.getAttribute(PAYPAL_FLOW_LISTENER_SENTINEL) !== '1') {
   document.documentElement.setAttribute(PAYPAL_FLOW_LISTENER_SENTINEL, '1');
@@ -255,15 +263,47 @@ function isHostedLoginPage() {
 }
 
 function isHostedGuestCheckoutPage() {
+  if (document.getElementById('cardNumber') || document.getElementById('billingLine1')) {
+    return true;
+  }
+  const pageText = normalizeText(document.body?.innerText || document.body?.textContent || '');
+  if (/create\s*(?:paypal\s*)?account|agree\s*(?:&|and)?\s*create|创建.*(?:账户|账号)/i.test(pageText)
+    && findHostedCreateAccountButton()) {
+    return false;
+  }
   return /\/checkoutweb\//i.test(getPayPalPathname())
-    || Boolean(document.getElementById('cardNumber'))
-    || Boolean(document.getElementById('billingLine1'));
+    && Boolean(document.getElementById('phone') || document.getElementById('email'));
 }
 
 function isHostedReviewPage() {
   return /\/webapps\/hermes/i.test(getPayPalPathname());
 }
 
+function findHostedCreateAccountButton() {
+  return document.getElementById('createAccount')
+    || document.getElementById('createAccountButton')
+    || document.querySelector('button[data-testid="createAccountButton"]')
+    || document.querySelector('button[data-testid="create-account-button"]')
+    || findClickableByText([
+      /agree\s*(?:&|and)?\s*create\s*(?:paypal\s*)?account/i,
+      /create\s*(?:paypal\s*)?account/i,
+      /同意.*创建|创建.*账户|创建.*账号/i,
+    ]);
+}
+
+function isHostedCreateAccountPage() {
+  if (document.getElementById('cardNumber') || document.getElementById('billingLine1')) {
+    return false;
+  }
+  const button = findHostedCreateAccountButton();
+  if (!button || !isVisibleElement(button) || !isEnabledControl(button)) {
+    return false;
+  }
+  const pageText = normalizeText(document.body?.innerText || document.body?.textContent || '');
+  return /create\s*(?:paypal\s*)?account|agree\s*(?:&|and)?\s*create|创建.*(?:账户|账号)/i.test(pageText)
+    || /create/i.test(getActionText(button));
+}
+
 function findHostedReviewConsentButton() {
   const direct = document.getElementById('consentButton')
     || document.querySelector('button[data-testid="consentButton"]');
@@ -289,6 +329,9 @@ function detectPayPalHostedStage() {
   if (isHostedReviewPage() && findHostedReviewConsentButton()) {
     return PAYPAL_HOSTED_STAGE_REVIEW;
   }
+  if (isHostedCreateAccountPage()) {
+    return PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT;
+  }
   if (isHostedLoginPage()) {
     return PAYPAL_HOSTED_STAGE_LOGIN;
   }
@@ -337,23 +380,102 @@ function findHostedSubmitButton() {
     ]);
 }
 
-async function clickHostedSubmitButton() {
+function getHostedStepKey(stage = '', fallback = 'plus-checkout-create') {
+  return PAYPAL_HOSTED_STEP_KEYS[stage] || fallback;
+}
+
+async function clickHostedSubmitButton(options = {}) {
+  const stepKey = String(options.stepKey || getHostedStepKey(options.stage)).trim();
+  const label = String(options.label || 'hosted-paypal-submit').trim();
+  const maxAttempts = Math.max(1, Math.floor(Number(options.maxAttempts) || 3));
+  let lastButtonText = '';
+  let lastDisabled = false;
+  for (let attempt = 1; attempt <= maxAttempts; attempt += 1) {
+    const button = await waitUntil(() => {
+      const candidate = findHostedSubmitButton();
+      return candidate && isVisibleElement(candidate) ? candidate : null;
+    }, {
+      intervalMs: 500,
+      timeoutMs: 15000,
+      timeoutMessage: 'PayPal hosted checkout 未找到可点击的继续/提交按钮。',
+    });
+    lastButtonText = getActionText(button);
+    lastDisabled = !isEnabledControl(button);
+    if (lastDisabled) {
+      if (attempt >= maxAttempts) {
+        throw new Error('PayPal hosted checkout 继续/提交按钮长时间不可用。');
+      }
+      await sleep(1000);
+      continue;
+    }
+
+    await performPayPalOperationWithDelay({ stepKey, kind: 'click', label }, async () => {
+      simulateClick(button);
+    });
+    await sleep(1000);
+    return {
+      clicked: true,
+      buttonText: lastButtonText,
+      verificationRequired: hasHostedVerificationInputs(),
+      attempt,
+    };
+  }
+  return {
+    clicked: false,
+    buttonText: lastButtonText,
+    disabled: lastDisabled,
+  };
+}
+
+function normalizeHostedPhoneDigits(value = '') {
+  return String(value || '').replace(/\D/g, '');
+}
+
+function verifyHostedPhoneBeforeSubmit(expectedPhone = '') {
+  const phoneInput = document.getElementById('phone');
+  if (!phoneInput || !isVisibleElement(phoneInput)) {
+    throw new Error('PayPal hosted checkout 未找到电话输入框。');
+  }
+  const expectedDigits = normalizeHostedPhoneDigits(expectedPhone || PAYPAL_HOSTED_DEFAULT_PHONE);
+  const renderedDigits = normalizeHostedPhoneDigits(phoneInput.value || '');
+  if (!expectedDigits) {
+    throw new Error('PayPal hosted checkout 电话配置为空。');
+  }
+  const comparableRenderedDigits = renderedDigits.length > expectedDigits.length
+    ? renderedDigits.slice(-expectedDigits.length)
+    : renderedDigits;
+  if (comparableRenderedDigits !== expectedDigits) {
+    throw new Error(`PayPal hosted checkout 电话不一致：配置 ${expectedDigits}，页面 ${renderedDigits || '(空)'}。`);
+  }
+  return {
+    payloadPhoneDigits: expectedDigits,
+    renderedPhoneDigits: renderedDigits,
+    phoneMatched: true,
+  };
+}
+
+async function clickHostedCreateAccount(payload = {}) {
+  await waitForDocumentComplete();
   const button = await waitUntil(() => {
-    const candidate = findHostedSubmitButton();
+    const candidate = findHostedCreateAccountButton();
     return candidate && isVisibleElement(candidate) && isEnabledControl(candidate) ? candidate : null;
   }, {
     intervalMs: 500,
-    timeoutMs: 15000,
-    timeoutMessage: 'PayPal hosted checkout 未找到可点击的继续/提交按钮。',
+    timeoutMs: 30000,
+    timeoutMessage: 'PayPal hosted checkout 未找到创建账号确认按钮。',
   });
-  await performPayPalOperationWithDelay({ stepKey: 'plus-checkout-create', kind: 'click', label: 'hosted-paypal-submit' }, async () => {
+  await performPayPalOperationWithDelay({
+    stepKey: getHostedStepKey(PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT),
+    kind: 'click',
+    label: 'hosted-paypal-create-account',
+  }, async () => {
     simulateClick(button);
   });
-  await sleep(1000);
   return {
+    stage: PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT,
     clicked: true,
+    submitted: true,
     buttonText: getActionText(button),
-    verificationRequired: hasHostedVerificationInputs(),
   };
 }
 
@@ -408,7 +530,10 @@ async function submitHostedLogin(payload = {}) {
     throw new Error('PayPal hosted checkout 未找到邮箱输入框。');
   }
   refillPayPalEmailInput(emailInput, email);
-  const clickResult = await clickHostedSubmitButton();
+  const clickResult = await clickHostedSubmitButton({
+    stage: PAYPAL_HOSTED_STAGE_LOGIN,
+    label: 'hosted-paypal-email-submit',
+  });
   return {
     stage: PAYPAL_HOSTED_STAGE_LOGIN,
     submitted: true,
@@ -427,7 +552,11 @@ async function fillHostedVerificationCode(payload = {}) {
   if (inputs.length < 6) {
     throw new Error('PayPal hosted checkout 当前页面未显示验证码输入框。');
   }
-  await performPayPalOperationWithDelay({ stepKey: 'plus-checkout-create', kind: 'fill', label: 'hosted-paypal-verification-code' }, async () => {
+  await performPayPalOperationWithDelay({
+    stepKey: getHostedStepKey(PAYPAL_HOSTED_STAGE_VERIFICATION),
+    kind: 'fill',
+    label: 'hosted-paypal-verification-code',
+  }, async () => {
     inputs.forEach((input, index) => fillInput(input, code[index] || ''));
   });
   return {
@@ -468,11 +597,18 @@ async function fillHostedGuestCheckout(payload = {}) {
   fillHostedInputById('billingCity', address.city || '');
   fillHostedInputById('billingPostalCode', address.zip || address.postalCode || '');
   selectHostedOptionByIdText('billingState', address.state || address.region || '');
-  const clickResult = await clickHostedSubmitButton();
+  const phoneCheck = verifyHostedPhoneBeforeSubmit(values.phone);
+  const clickResult = await clickHostedSubmitButton({
+    stage: PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT,
+    label: 'hosted-paypal-card-submit',
+    maxAttempts: 4,
+  });
   return {
     stage: PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT,
     submitted: true,
     verificationRequired: Boolean(clickResult.verificationRequired),
+    payloadPhone: values.phone,
+    ...phoneCheck,
   };
 }
 
@@ -486,7 +622,11 @@ async function clickHostedReviewConsent() {
     timeoutMs: 30000,
     timeoutMessage: 'PayPal hosted checkout 未找到账单确认按钮。',
   });
-  await performPayPalOperationWithDelay({ stepKey: 'plus-checkout-create', kind: 'click', label: 'hosted-paypal-review-consent' }, async () => {
+  await performPayPalOperationWithDelay({
+    stepKey: getHostedStepKey(PAYPAL_HOSTED_STAGE_REVIEW),
+    kind: 'click',
+    label: 'hosted-paypal-review-consent',
+  }, async () => {
     simulateClick(button);
   });
   return {
@@ -497,6 +637,16 @@ async function clickHostedReviewConsent() {
 
 async function runPayPalHostedCheckoutStep(payload = {}) {
   const stage = detectPayPalHostedStage();
+  const expectedStage = String(payload.expectedStage || '').trim();
+  if (expectedStage && stage !== expectedStage) {
+    return {
+      stage,
+      expectedStage,
+      submitted: false,
+      skipped: true,
+      approveReady: Boolean(findApproveButton()),
+    };
+  }
   if (stage === PAYPAL_HOSTED_STAGE_VERIFICATION) {
     return payload.verificationCode || payload.code
       ? fillHostedVerificationCode(payload)
@@ -508,6 +658,9 @@ async function runPayPalHostedCheckoutStep(payload = {}) {
   if (stage === PAYPAL_HOSTED_STAGE_GUEST_CHECKOUT) {
     return fillHostedGuestCheckout(payload);
   }
+  if (stage === PAYPAL_HOSTED_STAGE_CREATE_ACCOUNT) {
+    return clickHostedCreateAccount(payload);
+  }
   if (stage === PAYPAL_HOSTED_STAGE_REVIEW) {
     return clickHostedReviewConsent();
   }
@@ -520,6 +673,7 @@ async function runPayPalHostedCheckoutStep(payload = {}) {
 
 function inspectPayPalHostedState() {
   const stage = detectPayPalHostedStage();
+  const createAccountButton = findHostedCreateAccountButton();
   return {
     url: location.href,
     readyState: document.readyState,
@@ -527,6 +681,7 @@ function inspectPayPalHostedState() {
     verificationInputsVisible: hasHostedVerificationInputs(),
     hasGuestCardFields: Boolean(document.getElementById('cardNumber')),
     hasHostedEmailInput: Boolean(document.getElementById('email') || findEmailInput()),
+    createAccountReady: Boolean(createAccountButton && isVisibleElement(createAccountButton) && isEnabledControl(createAccountButton)),
     reviewConsentReady: Boolean(findHostedReviewConsentButton()),
     approveReady: Boolean(findApproveButton()),
     bodyTextPreview: normalizeText(document.body?.innerText || '').slice(0, 240),
diff --git a/data/step-definitions.js b/data/step-definitions.js
index e7b2a8d..909d31b 100644
--- a/data/step-definitions.js
+++ b/data/step-definitions.js
@@ -33,7 +33,15 @@
     { id: 8, order: 80, key: 'paypal-approve', title: 'PayPal 登录与授权', sourceId: 'paypal-flow', driverId: 'content/paypal-flow', command: 'paypal-approve' },
     { id: 9, order: 90, key: 'plus-checkout-return', title: '订阅回跳确认', sourceId: 'plus-checkout', driverId: 'content/plus-checkout', command: 'plus-checkout-return' },
   ];
-  const PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS = PLUS_PAYPAL_PREFIX_STEP_DEFINITIONS.slice(0, 6);
+  const PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS = [
+    ...PLUS_PAYPAL_PREFIX_STEP_DEFINITIONS.slice(0, 6),
+    { id: 7, order: 70, key: 'paypal-hosted-openai-checkout', title: '无卡直绑提交 OpenAI Checkout', sourceId: 'plus-checkout', driverId: 'content/plus-checkout', command: 'paypal-hosted-openai-checkout' },
+    { id: 8, order: 80, key: 'paypal-hosted-email', title: '无卡直绑填写 PayPal 邮箱', sourceId: 'paypal-flow', driverId: 'content/paypal-flow', command: 'paypal-hosted-email' },
+    { id: 9, order: 90, key: 'paypal-hosted-verification', title: '无卡直绑填写 PayPal 验证码', sourceId: 'paypal-flow', driverId: 'content/paypal-flow', command: 'paypal-hosted-verification' },
+    { id: 10, order: 100, key: 'paypal-hosted-card', title: '无卡直绑填写 PayPal 资料', sourceId: 'paypal-flow', driverId: 'content/paypal-flow', command: 'paypal-hosted-card' },
+    { id: 11, order: 110, key: 'paypal-hosted-create-account', title: '无卡直绑确认创建 PayPal', sourceId: 'paypal-flow', driverId: 'content/paypal-flow', command: 'paypal-hosted-create-account' },
+    { id: 12, order: 120, key: 'paypal-hosted-review', title: '无卡直绑完成 PayPal 授权', sourceId: 'paypal-flow', driverId: 'content/paypal-flow', command: 'paypal-hosted-review' },
+  ];
 
   const PLUS_GOPAY_PREFIX_STEP_DEFINITIONS = [
     { id: 1, order: 10, key: 'open-chatgpt', title: '打开 ChatGPT 官网', sourceId: 'chatgpt', driverId: null, command: 'open-chatgpt' },
@@ -232,23 +240,23 @@
   );
   const PLUS_PAYPAL_PHONE_STEP_DEFINITIONS = createOpenAiSteps(PLUS_PAYPAL_PREFIX_STEP_DEFINITIONS, 10, 100, SIGNUP_METHOD_PHONE);
   const PLUS_PAYPAL_PHONE_BOUND_EMAIL_RELOGIN_STEP_DEFINITIONS = createOpenAiSteps(PLUS_PAYPAL_PREFIX_STEP_DEFINITIONS, 10, 100, SIGNUP_METHOD_PHONE, { phoneSignupReloginAfterBindEmailEnabled: true });
-  const PLUS_PAYPAL_HOSTED_CHECKOUT_STEP_DEFINITIONS = createHostedCheckoutSteps(PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS, 7, 70, SIGNUP_METHOD_EMAIL);
+  const PLUS_PAYPAL_HOSTED_CHECKOUT_STEP_DEFINITIONS = createHostedCheckoutSteps(PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS, 13, 130, SIGNUP_METHOD_EMAIL);
   const PLUS_PAYPAL_HOSTED_CHECKOUT_SUB2API_SESSION_STEP_DEFINITIONS = createHostedCheckoutSteps(
     PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS,
-    7,
-    70,
+    13,
+    130,
     SIGNUP_METHOD_EMAIL,
     { plusAccountAccessStrategy: PLUS_ACCOUNT_ACCESS_STRATEGY_SUB2API_CODEX_SESSION }
   );
   const PLUS_PAYPAL_HOSTED_CHECKOUT_CPA_SESSION_STEP_DEFINITIONS = createHostedCheckoutSteps(
     PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS,
-    7,
-    70,
+    13,
+    130,
     SIGNUP_METHOD_EMAIL,
     { plusAccountAccessStrategy: PLUS_ACCOUNT_ACCESS_STRATEGY_CPA_CODEX_SESSION }
   );
-  const PLUS_PAYPAL_HOSTED_CHECKOUT_PHONE_STEP_DEFINITIONS = createHostedCheckoutSteps(PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS, 7, 70, SIGNUP_METHOD_PHONE);
-  const PLUS_PAYPAL_HOSTED_CHECKOUT_PHONE_BOUND_EMAIL_RELOGIN_STEP_DEFINITIONS = createHostedCheckoutSteps(PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS, 7, 70, SIGNUP_METHOD_PHONE, { phoneSignupReloginAfterBindEmailEnabled: true });
+  const PLUS_PAYPAL_HOSTED_CHECKOUT_PHONE_STEP_DEFINITIONS = createHostedCheckoutSteps(PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS, 13, 130, SIGNUP_METHOD_PHONE);
+  const PLUS_PAYPAL_HOSTED_CHECKOUT_PHONE_BOUND_EMAIL_RELOGIN_STEP_DEFINITIONS = createHostedCheckoutSteps(PLUS_PAYPAL_HOSTED_CHECKOUT_PREFIX_STEP_DEFINITIONS, 13, 130, SIGNUP_METHOD_PHONE, { phoneSignupReloginAfterBindEmailEnabled: true });
   const PLUS_GOPAY_STEP_DEFINITIONS = createOpenAiSteps(PLUS_GOPAY_PREFIX_STEP_DEFINITIONS, 10, 100, SIGNUP_METHOD_EMAIL);
   const PLUS_GOPAY_SUB2API_SESSION_STEP_DEFINITIONS = createOpenAiSteps(
     PLUS_GOPAY_PREFIX_STEP_DEFINITIONS,
diff --git a/shared/flow-registry.js b/shared/flow-registry.js
index a9a46ad..8f31c82 100644
--- a/shared/flow-registry.js
+++ b/shared/flow-registry.js
@@ -191,11 +191,23 @@
         },
         'content/plus-checkout': {
           sourceId: 'plus-checkout',
-          commands: ['plus-checkout-create', 'plus-checkout-billing', 'plus-checkout-return'],
+          commands: [
+            'plus-checkout-create',
+            'paypal-hosted-openai-checkout',
+            'plus-checkout-billing',
+            'plus-checkout-return',
+          ],
         },
         'content/paypal-flow': {
           sourceId: 'paypal-flow',
-          commands: ['paypal-approve'],
+          commands: [
+            'paypal-approve',
+            'paypal-hosted-email',
+            'paypal-hosted-verification',
+            'paypal-hosted-card',
+            'paypal-hosted-create-account',
+            'paypal-hosted-review',
+          ],
         },
         'content/gopay-flow': {
           sourceId: 'gopay-flow',
diff --git a/tests/paypal-flow-content.test.js b/tests/paypal-flow-content.test.js
index f5995f1..f6cc5f3 100644
--- a/tests/paypal-flow-content.test.js
+++ b/tests/paypal-flow-content.test.js
@@ -1,6 +1,7 @@
 const test = require('node:test');
 const assert = require('node:assert/strict');
 const fs = require('node:fs');
+const vm = require('node:vm');
 
 const source = fs.readFileSync('content/paypal-flow.js', 'utf8');
 
@@ -308,3 +309,332 @@ test('PayPal email submit refills a prefilled email before clicking next', async
     awaiting: 'password_page',
   });
 });
+
+function createHostedPayPalHarness(options = {}) {
+  const events = [];
+  const attrs = new Map();
+  const elementsById = new Map();
+  let elements = [];
+  let listener = null;
+  const body = { innerText: '', textContent: '' };
+  const location = {
+    href: 'https://www.paypal.com/checkoutweb/signup',
+    host: 'www.paypal.com',
+    pathname: '/checkoutweb/signup',
+  };
+
+  function createDomElement({
+    tagName = 'DIV',
+    id = '',
+    type = '',
+    name = '',
+    text = '',
+    value = '',
+    attrs: initialAttrs = {},
+    options: selectOptions = [],
+  } = {}) {
+    const attrMap = new Map(Object.entries(initialAttrs));
+    const element = {
+      nodeType: 1,
+      tagName,
+      id,
+      type,
+      name,
+      textContent: text,
+      innerText: text,
+      value,
+      checked: false,
+      disabled: false,
+      hidden: false,
+      options: selectOptions,
+      parentElement: null,
+      style: { display: 'block', visibility: 'visible', opacity: '1' },
+      getAttribute(key) {
+        if (key === 'id') return this.id;
+        if (key === 'type') return this.type;
+        if (key === 'name') return this.name;
+        if (key === 'placeholder') return attrMap.get('placeholder') || '';
+        return attrMap.has(key) ? attrMap.get(key) : null;
+      },
+      setAttribute(key, nextValue) {
+        attrMap.set(key, String(nextValue));
+      },
+      dispatchEvent() {
+        return true;
+      },
+      focus() {},
+      blur() {},
+      click() {
+        events.push({ type: 'native-click', id: this.id, text: this.textContent });
+      },
+      getBoundingClientRect() {
+        return { left: 10, top: 10, width: 180, height: 44 };
+      },
+    };
+    if (id) elementsById.set(id, element);
+    return element;
+  }
+
+  const countrySelect = createDomElement({ tagName: 'SELECT', id: 'country', value: 'US' });
+  const emailInput = createDomElement({ tagName: 'INPUT', id: 'email', type: 'email', name: 'email' });
+  const phoneInput = createDomElement({ tagName: 'INPUT', id: 'phone', type: 'tel', name: 'phone' });
+  const cardNumberInput = createDomElement({ tagName: 'INPUT', id: 'cardNumber', type: 'text' });
+  const cardExpiryInput = createDomElement({ tagName: 'INPUT', id: 'cardExpiry', type: 'text' });
+  const cardCvvInput = createDomElement({ tagName: 'INPUT', id: 'cardCvv', type: 'text' });
+  const passwordInput = createDomElement({ tagName: 'INPUT', id: 'password', type: 'password' });
+  const firstNameInput = createDomElement({ tagName: 'INPUT', id: 'firstName', type: 'text' });
+  const lastNameInput = createDomElement({ tagName: 'INPUT', id: 'lastName', type: 'text' });
+  const billingLine1Input = createDomElement({ tagName: 'INPUT', id: 'billingLine1', type: 'text' });
+  const billingCityInput = createDomElement({ tagName: 'INPUT', id: 'billingCity', type: 'text' });
+  const billingPostalCodeInput = createDomElement({ tagName: 'INPUT', id: 'billingPostalCode', type: 'text' });
+  const billingStateSelect = createDomElement({
+    tagName: 'SELECT',
+    id: 'billingState',
+    value: '',
+    options: [
+      { textContent: 'New York', label: 'New York', value: 'NY' },
+      { textContent: 'California', label: 'California', value: 'CA' },
+    ],
+  });
+  const submitButton = createDomElement({
+    tagName: 'BUTTON',
+    id: 'hostedSubmit',
+    text: 'Agree & Create Account',
+    attrs: { 'data-testid': 'submit-button' },
+  });
+  const createAccountButton = createDomElement({
+    tagName: 'BUTTON',
+    id: 'createAccountButton',
+    text: 'Agree & Create Account',
+    attrs: { 'data-testid': 'createAccountButton' },
+  });
+
+  function setElements(nextElements) {
+    elements = nextElements;
+    elementsById.clear();
+    for (const element of nextElements) {
+      if (element.id) elementsById.set(element.id, element);
+    }
+  }
+
+  function showGuestCheckout() {
+    location.href = 'https://www.paypal.com/checkoutweb/signup';
+    location.host = 'www.paypal.com';
+    location.pathname = '/checkoutweb/signup';
+    body.innerText = 'Pay with debit or credit card';
+    body.textContent = body.innerText;
+    setElements([
+      countrySelect,
+      emailInput,
+      phoneInput,
+      cardNumberInput,
+      cardExpiryInput,
+      cardCvvInput,
+      passwordInput,
+      firstNameInput,
+      lastNameInput,
+      billingLine1Input,
+      billingCityInput,
+      billingPostalCodeInput,
+      billingStateSelect,
+      submitButton,
+    ]);
+  }
+
+  function showCreateAccount() {
+    location.href = 'https://www.paypal.com/checkoutweb/create-account';
+    location.host = 'www.paypal.com';
+    location.pathname = '/checkoutweb/create-account';
+    body.innerText = 'Create your PayPal account. Agree & Create Account';
+    body.textContent = body.innerText;
+    setElements([createAccountButton]);
+  }
+
+  const context = {
+    console: { log() {}, warn() {}, error() {}, info() {} },
+    location,
+    window: {},
+    Event: class TestEvent { constructor(type) { this.type = type; } },
+    MouseEvent: class TestMouseEvent { constructor(type) { this.type = type; } },
+    PointerEvent: class TestPointerEvent { constructor(type) { this.type = type; } },
+    document: {
+      readyState: 'complete',
+      body,
+      documentElement: {
+        getAttribute(name) {
+          return attrs.get(name) || null;
+        },
+        setAttribute(name, nextValue) {
+          attrs.set(name, String(nextValue));
+        },
+      },
+      getElementById(id) {
+        return elementsById.get(id) || null;
+      },
+      querySelector(selector) {
+        const text = String(selector || '');
+        if (text.includes('createAccountButton') || text.includes('create-account-button')) {
+          return elements.includes(createAccountButton) ? createAccountButton : null;
+        }
+        if (text.includes('submit-button') || text.includes('hosted-payment-submit-button')) {
+          return elements.includes(submitButton) ? submitButton : null;
+        }
+        return null;
+      },
+      querySelectorAll(selector) {
+        const text = String(selector || '');
+        if (text === 'input') return elements.filter((element) => element.tagName === 'INPUT');
+        if (text === 'input[type="email"]') return elements.filter((element) => element.type === 'email');
+        if (text === 'input[type="password"]') return elements.filter((element) => element.type === 'password');
+        if (text.includes('button') || text.includes('[role="button"]')) {
+          return elements.filter((element) => element.tagName === 'BUTTON');
+        }
+        return [];
+      },
+    },
+    chrome: {
+      runtime: {
+        onMessage: {
+          addListener(fn) {
+            listener = fn;
+          },
+        },
+      },
+    },
+    CodexOperationDelay: {
+      async performOperationWithDelay(metadata, operation) {
+        events.push({ type: 'operation', metadata });
+        const result = await operation();
+        events.push({ type: 'delay', metadata });
+        return result;
+      },
+    },
+    resetStopState() {},
+    isStopError() { return false; },
+    throwIfStopped() {},
+    sleep() { return Promise.resolve(); },
+    fillInput(element, value) {
+      if (element === phoneInput && typeof options.renderPhone === 'function') {
+        element.value = options.renderPhone(value);
+      } else {
+        element.value = value;
+      }
+      events.push({ type: 'fill', id: element.id, value: element.value });
+    },
+    simulateClick(element) {
+      events.push({ type: 'click', id: element.id, text: element.textContent });
+    },
+  };
+  context.window = context;
+  context.window.getComputedStyle = (element) => element?.style || { display: 'block', visibility: 'visible', opacity: '1' };
+
+  vm.createContext(context);
+  vm.runInContext(source, context);
+  assert.equal(typeof listener, 'function');
+
+  async function send(message) {
+    return await new Promise((resolve) => {
+      listener(message, {}, resolve);
+    });
+  }
+
+  return {
+    events,
+    send,
+    showCreateAccount,
+    showGuestCheckout,
+  };
+}
+
+test('PayPal hosted guest checkout verifies configured local phone before submit', async () => {
+  const harness = createHostedPayPalHarness({
+    renderPhone: (value) => `+1 ${value}`,
+  });
+  harness.showGuestCheckout();
+
+  const result = await harness.send({
+    type: 'PAYPAL_RUN_HOSTED_CHECKOUT_STEP',
+    source: 'test',
+    payload: {
+      expectedStage: 'guest_checkout',
+      email: 'guest@example.com',
+      phone: '4155551234',
+      cardNumber: '4147200000000000',
+      cardExpiry: '12 / 29',
+      cardCvv: '123',
+      password: 'Aa1!example',
+      firstName: 'James',
+      lastName: 'Smith',
+      address: {
+        street: '1 Main St',
+        city: 'New York',
+        state: 'New York',
+        zip: '10001',
+      },
+    },
+  });
+
+  assert.equal(result.ok, true);
+  assert.equal(result.submitted, true);
+  assert.equal(result.phoneMatched, true);
+  assert.equal(result.payloadPhoneDigits, '4155551234');
+  assert.equal(result.renderedPhoneDigits, '14155551234');
+  assert.equal(harness.events.some((event) => event.type === 'click' && event.id === 'hostedSubmit'), true);
+  assert.deepEqual(
+    JSON.parse(JSON.stringify(harness.events.filter((event) => event.type === 'operation').map((event) => event.metadata))),
+    [{ stepKey: 'paypal-hosted-card', kind: 'click', label: 'hosted-paypal-card-submit' }]
+  );
+});
+
+test('PayPal hosted guest checkout blocks submit when rendered phone differs from config', async () => {
+  const harness = createHostedPayPalHarness({
+    renderPhone: () => '9999999999',
+  });
+  harness.showGuestCheckout();
+
+  const result = await harness.send({
+    type: 'PAYPAL_RUN_HOSTED_CHECKOUT_STEP',
+    source: 'test',
+    payload: {
+      expectedStage: 'guest_checkout',
+      phone: '4155551234',
+      cardNumber: '4147200000000000',
+      cardExpiry: '12 / 29',
+      cardCvv: '123',
+      password: 'Aa1!example',
+      address: { street: '1 Main St', city: 'New York', state: 'New York', zip: '10001' },
+    },
+  });
+
+  assert.match(result.error, /电话不一致/);
+  assert.equal(harness.events.some((event) => event.type === 'click' && event.id === 'hostedSubmit'), false);
+});
+
+test('PayPal hosted create account page is detected and handled as its own step', async () => {
+  const harness = createHostedPayPalHarness();
+  harness.showCreateAccount();
+
+  const state = await harness.send({
+    type: 'PAYPAL_HOSTED_GET_STATE',
+    source: 'test',
+    payload: {},
+  });
+  assert.equal(state.ok, true);
+  assert.equal(state.hostedStage, 'create_account');
+  assert.equal(state.createAccountReady, true);
+
+  const result = await harness.send({
+    type: 'PAYPAL_RUN_HOSTED_CHECKOUT_STEP',
+    source: 'test',
+    payload: { expectedStage: 'create_account' },
+  });
+
+  assert.equal(result.ok, true);
+  assert.equal(result.stage, 'create_account');
+  assert.equal(result.submitted, true);
+  assert.equal(harness.events.some((event) => event.type === 'click' && event.id === 'createAccountButton'), true);
+  assert.deepEqual(
+    JSON.parse(JSON.stringify(harness.events.filter((event) => event.type === 'operation').map((event) => event.metadata))),
+    [{ stepKey: 'paypal-hosted-create-account', kind: 'click', label: 'hosted-paypal-create-account' }]
+  );
+});
diff --git a/tests/plus-checkout-create-wait.test.js b/tests/plus-checkout-create-wait.test.js
index 2bcd7fa..a1647ea 100644
--- a/tests/plus-checkout-create-wait.test.js
+++ b/tests/plus-checkout-create-wait.test.js
@@ -288,7 +288,7 @@ test('GoPay plus checkout create forwards gopay payment method to the checkout c
   assert.deepStrictEqual(events[0]?.payload, { paymentMethod: 'gopay' });
 });
 
-test('PayPal no-card binding create waits for hosted success and does not use the old PayPal tail', async () => {
+test('PayPal no-card binding create only opens hosted checkout and leaves page steps to later nodes', async () => {
   const events = [];
   let currentUrl = 'https://chatgpt.com/';
   const executor = api.createPlusCheckoutCreateExecutor({
@@ -315,21 +315,8 @@ test('PayPal no-card binding create waits for hosted success and does not use th
     ensureContentScriptReadyOnTabUntilStopped: async (source, tabId, options) => {
       events.push({ type: 'ready', source, tabId, options });
     },
-    fetch: async (url) => {
-      events.push({ type: 'fetch', url });
-      assert.equal(url, 'https://www.meiguodizhi.com/api/v1/dz');
-      return {
-        ok: true,
-        status: 200,
-        json: async () => ({
-          address: {
-            Address: '1 Main St',
-            City: 'New York',
-            State: 'New York',
-            Zip_Code: '10001',
-          },
-        }),
-      };
+    fetch: async () => {
+      throw new Error('create node should not fetch address or run PayPal page automation');
     },
     registerTab: async (source, tabId) => {
       events.push({ type: 'register', source, tabId });
@@ -345,13 +332,6 @@ test('PayPal no-card binding create waits for hosted success and does not use th
           currency: 'USD',
         };
       }
-      if (message.type === 'RUN_PAYPAL_HOSTED_OPENAI_CHECKOUT_STEP') {
-        currentUrl = 'https://chatgpt.com/backend-api/payments/success?session_id=cs_hosted';
-        return { clicked: true };
-      }
-      if (message.type === 'PLUS_CHECKOUT_GET_STATE') {
-        return { hostedVerificationVisible: false };
-      }
       throw new Error(`unexpected message type ${message.type}`);
     },
     setState: async (payload) => {
@@ -384,13 +364,105 @@ test('PayPal no-card binding create waits for hosted success and does not use th
   assert.equal(statePayload.plusCheckoutCurrency, 'USD');
   assert.equal(statePayload.plusReturnUrl, '');
   assert.equal(events.some((event) => event.type === 'tab-message' && event.message.type === 'FILL_PLUS_BILLING_AND_SUBMIT'), false);
+  assert.equal(events.some((event) => event.type === 'tab-message' && event.message.type === 'RUN_PAYPAL_HOSTED_OPENAI_CHECKOUT_STEP'), false);
   assert.deepStrictEqual(events.find((event) => event.type === 'complete'), {
     type: 'complete',
     step: 'plus-checkout-create',
     payload: {
+      plusCheckoutCountry: 'US',
+      plusCheckoutCurrency: 'USD',
+      plusCheckoutSource: 'paypal-hosted',
+      plusCheckoutUrl: 'https://pay.openai.com/c/pay/cs_hosted',
+      plusReturnUrl: '',
+      plusHostedCheckoutCompleted: false,
+    },
+  });
+});
+
+test('PayPal no-card binding OpenAI checkout node submits hosted page and completes after success transition', async () => {
+  const events = [];
+  let currentUrl = 'https://pay.openai.com/c/pay/cs_hosted';
+  const executor = api.createPlusCheckoutCreateExecutor({
+    addLog: async (message, level = 'info') => {
+      events.push({ type: 'log', message, level });
+    },
+    chrome: {
+      tabs: {
+        get: async (tabId) => ({ id: tabId, url: currentUrl, status: 'complete' }),
+      },
+    },
+    completeNodeFromBackground: async (step, payload) => {
+      events.push({ type: 'complete', step, payload });
+    },
+    ensureContentScriptReadyOnTabUntilStopped: async (source, tabId, options) => {
+      events.push({ type: 'ready', source, tabId, options });
+    },
+    fetch: async (url) => {
+      events.push({ type: 'fetch', url });
+      assert.equal(url, 'https://www.meiguodizhi.com/api/v1/dz');
+      return {
+        ok: true,
+        status: 200,
+        json: async () => ({
+          address: {
+            Address: '1 Main St',
+            City: 'New York',
+            State: 'New York',
+            Zip_Code: '10001',
+          },
+        }),
+      };
+    },
+    getState: async () => ({
+      hostedCheckoutPhoneNumber: '(415) 555-1234',
+    }),
+    registerTab: async (source, tabId) => {
+      events.push({ type: 'register', source, tabId });
+    },
+    sendTabMessageUntilStopped: async (tabId, source, message) => {
+      events.push({ type: 'tab-message', tabId, source, message });
+      if (message.type === 'RUN_PAYPAL_HOSTED_OPENAI_CHECKOUT_STEP') {
+        currentUrl = 'https://chatgpt.com/backend-api/payments/success?session_id=cs_hosted';
+        return { clicked: true };
+      }
+      if (message.type === 'PLUS_CHECKOUT_GET_STATE') {
+        return { hostedVerificationVisible: false };
+      }
+      throw new Error(`unexpected message type ${message.type}`);
+    },
+    setState: async (payload) => {
+      events.push({ type: 'set-state', payload });
+    },
+    sleepWithStop: async (ms) => {
+      events.push({ type: 'sleep', ms });
+    },
+    waitForTabCompleteUntilStopped: async () => {
+      events.push({ type: 'tab-complete' });
+    },
+  });
+
+  await executor.executePayPalHostedOpenAiCheckout({
+    plusCheckoutTabId: 55,
+    plusPaymentMethod: 'paypal-hosted',
+    hostedCheckoutPhoneNumber: '2125550000',
+    plusHostedCheckoutOauthDelaySeconds: 0,
+  });
+
+  const profileState = events.find((event) => event.type === 'set-state' && event.payload.plusHostedCheckoutGuestProfile)?.payload || {};
+  assert.equal(profileState.plusHostedCheckoutGuestProfile.phone, '4155551234');
+  assert.equal(profileState.plusHostedCheckoutPhoneDigits, '4155551234');
+  assert.equal(
+    events.find((event) => event.type === 'tab-message' && event.message.type === 'RUN_PAYPAL_HOSTED_OPENAI_CHECKOUT_STEP')?.message?.payload?.address?.street,
+    '1 Main St'
+  );
+  assert.deepStrictEqual(events.find((event) => event.type === 'complete'), {
+    type: 'complete',
+    step: 'paypal-hosted-openai-checkout',
+    payload: {
+      plusCheckoutUrl: 'https://chatgpt.com/backend-api/payments/success?session_id=cs_hosted',
+      plusCheckoutSource: 'paypal-hosted',
       plusReturnUrl: 'https://chatgpt.com/backend-api/payments/success?session_id=cs_hosted',
       plusHostedCheckoutCompleted: true,
-      plusHostedCheckoutOauthDelaySeconds: 0,
     },
   });
 });
diff --git a/tests/step-definitions-module.test.js b/tests/step-definitions-module.test.js
index a08bc38..b7ce637 100644
--- a/tests/step-definitions-module.test.js
+++ b/tests/step-definitions-module.test.js
@@ -221,6 +221,12 @@ test('step definitions module exposes ordered normal and Plus step metadata', ()
       'fetch-signup-code',
       'fill-profile',
       'plus-checkout-create',
+      'paypal-hosted-openai-checkout',
+      'paypal-hosted-email',
+      'paypal-hosted-verification',
+      'paypal-hosted-card',
+      'paypal-hosted-create-account',
+      'paypal-hosted-review',
       'oauth-login',
       'fetch-login-code',
       'confirm-oauth',
@@ -230,8 +236,10 @@ test('step definitions module exposes ordered normal and Plus step metadata', ()
   assert.equal(hostedSteps.some((step) => step.key === 'plus-checkout-billing'), false);
   assert.equal(hostedSteps.some((step) => step.key === 'paypal-approve'), false);
   assert.equal(hostedSteps.some((step) => step.key === 'plus-checkout-return'), false);
-  assert.deepStrictEqual(api.getStepIds({ plusModeEnabled: true, plusPaymentMethod: 'paypal-hosted' }), [1, 2, 3, 4, 5, 6, 7, 8, 9, 10]);
-  assert.equal(api.getLastStepId({ plusModeEnabled: true, plusPaymentMethod: 'paypal-hosted' }), 10);
+  assert.equal(hostedSteps.find((step) => step.key === 'paypal-hosted-openai-checkout')?.title, '无卡直绑提交 OpenAI Checkout');
+  assert.equal(hostedSteps.find((step) => step.key === 'paypal-hosted-card')?.title, '无卡直绑填写 PayPal 资料');
+  assert.deepStrictEqual(api.getStepIds({ plusModeEnabled: true, plusPaymentMethod: 'paypal-hosted' }), [1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16]);
+  assert.equal(api.getLastStepId({ plusModeEnabled: true, plusPaymentMethod: 'paypal-hosted' }), 16);
 
   assert.deepStrictEqual(
     goPaySteps.map((step) => step.key),
@@ -308,8 +316,8 @@ test('Plus session strategy swaps the OAuth tail for a single SUB2API import nod
         plusPaymentMethod: 'paypal-hosted',
         plusAccountAccessStrategy: 'sub2api_codex_session',
       },
-      previousNodeId: 'plus-checkout-create',
-      expectedStepIds: [1, 2, 3, 4, 5, 6, 7],
+      previousNodeId: 'paypal-hosted-review',
+      expectedStepIds: [1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13],
     },
     {
       label: 'gopay',
@@ -399,8 +407,8 @@ test('Plus session strategy swaps the OAuth tail for a single CPA import node',
         plusPaymentMethod: 'paypal-hosted',
         plusAccountAccessStrategy: 'cpa_codex_session',
       },
-      previousNodeId: 'plus-checkout-create',
-      expectedStepIds: [1, 2, 3, 4, 5, 6, 7],
+      previousNodeId: 'paypal-hosted-review',
+      expectedStepIds: [1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13],
     },
     {
       label: 'gopay',