diff --git a/src/tools/account-register/sites/windsurf.js b/src/tools/account-register/sites/windsurf.js
index aa5a7a1..f809d90 100644
--- a/src/tools/account-register/sites/windsurf.js
+++ b/src/tools/account-register/sites/windsurf.js
@@ -692,13 +692,34 @@ class WindsurfRegister {
       const cardRadio = await this.page.$('input[type="radio"][value="card"]');
       if (cardRadio) {
         await cardRadio.click();
-        await this.human.randomDelay(1000, 2000);
-        logger.success(this.siteName, '  → ✓ 已选择银行卡');
+        logger.success(this.siteName, '  → ✓ 已点击银行卡选项');
+        
+        // 等待支付表单完全加载（等待骨架屏消失，表单元素出现）
+        logger.info(this.siteName, '  → 等待支付表单加载...');
+        await this.human.randomDelay(3000, 5000);
+        
+        // 等待所有必需的支付字段都加载完成
+        try {
+          await this.page.waitForFunction(
+            () => {
+              const cardNumber = document.querySelector('#cardNumber');
+              const cardExpiry = document.querySelector('#cardExpiry');
+              const cardCvc = document.querySelector('#cardCvc');
+              const billingName = document.querySelector('#billingName');
+              // 检查所有字段都存在且可见
+              return cardNumber && cardExpiry && cardCvc && billingName;
+            },
+            { timeout: 30000 }
+          );
+          logger.success(this.siteName, '  → ✓ 支付表单加载完成');
+        } catch (e) {
+          logger.warn(this.siteName, `  → 等待表单超时: ${e.message}`);
+        }
       }
       
       // 3. 填写卡号
       logger.info(this.siteName, '  → 填写卡号...');
-      await this.page.waitForSelector('#cardNumber', { timeout: 10000 });
+      await this.page.waitForSelector('#cardNumber', { visible: true, timeout: 10000 });
       await this.page.click('#cardNumber');
       await this.human.randomDelay(500, 1000);
       await this.page.type('#cardNumber', card.number, { delay: 100 });