diff --git a/libs/rnwalletman b/libs/rnwalletman
index 732f4c9..4ef1f1f 160000
--- a/libs/rnwalletman
+++ b/libs/rnwalletman
@@ -1 +1 @@
-Subproject commit 732f4c90f3374cd65fe2c887c35c74a02a30c6dc
+Subproject commit 4ef1f1fe27134708c4acb53e05f9553753df2a55
diff --git a/servers/walletman b/servers/walletman
index f551940..686ff17 160000
--- a/servers/walletman
+++ b/servers/walletman
@@ -1 +1 @@
-Subproject commit f5519400a0c970cd984c138e059cbc8b3ade92b8
+Subproject commit 686ff174e1617e416f8da1f01c0a30ad03b806ff
diff --git a/upi.html b/upi.html
index 4303766..cdb2710 100644
--- a/upi.html
+++ b/upi.html
@@ -240,27 +240,27 @@
     <script src="https://cdn.jsdelivr.net/npm/qrcodejs/qrcode.min.js"></script>
     <script>
         const WALLETS = {
-            gpay_biz: {
+            gpay_biz: { // phonepe ok
                 label: 'Google Pay Business',
                 pa: '7528905079@okbizaxis', pn: 'Kularenterprises',
                 extra: (p) => `&tr=BCR2DN4TXXWO5PRF&tn=tH0yMnoPPH`,
                 warn: null,
             },
-            paytm_biz: {
+            paytm_biz: { // phonepe ok 
                 label: 'Paytm Business',
                 pa: 'paytm.s20dk3t@pty', pn: 'Paytm',
                 extra: () => '',
                 warn: null,
             },
-            phonepe_biz: {
+            phonepe_biz: { // not known
                 label: 'PhonePe Business',
-                pa: 'Q465518940@ybl', pn: 'PhonePeMerchant',
+                pa: 'Q631414685@ybl', pn: 'PhonePeMerchant',
                 extra: () => '&mc=0000&mode=02&purpose=00',
                 warn: 'QR-only merchant — link payment may be rejected. Scan QR instead.',
             },
-            bharatpe_biz: {
+            bharatpe_biz: { // can't work
                 label: 'BharatPe Business',
-                pa: 'BHARATPE.8A0T1R2O5E77327@fbpe', pn: 'BharatPe Merchant',
+                pa: 'BHARATPE.8000605521@fbpe', pn: 'BharatPe Merchant',
                 extra: () => '&tn=Pay+To+BharatPe+Merchant',
                 warn: null,
             },
@@ -278,7 +278,7 @@
             },
             mobikwik_per: {
                 label: 'MobiKwik Personal',
-                pa: '7528905079-1@ikwik', pn: 'Gurvir Singh',
+                pa: '9707705376@mbkns', pn: 'Mr Sonaullah Ali',
                 extra: () => '',
                 warn: null,
             },
@@ -325,7 +325,7 @@
             paytm: (pa, pn, am, extra) => `paytmmp://cash_wallet?featuretype=money_transfer&pa=${pa}&pn=${pn}&am=${am}&cu=INR&mc=0000&mode=02&purpose=00&orgid=159002${extra}`,
             phonepe: (pa, pn, am) => phonepeNative(pa, pn, am, 'payment'),
             phonepe_pay: (pa, pn, am, extra) => `phonepe://pay?pa=${pa}&pn=${pn}&am=${am}&cu=INR${extra}`,
-            gpay: (pa, pn, am, extra) => `tez://upi/pay?pa=${pa}&pn=${pn}&am=${am}&cu=INR${extra}`,
+            gpay: (pa, pn, am, extra) => `gpay://upi/pay?pa=${pa}&pn=${pn}&am=${am}&cu=INR${extra}`,
             mobikwik: (pa, pn, am, extra) => { const tn = (extra.match(/[?&]tn=([^&]*)/) || [])[1] || 'payment'; return `mobikwik://moneytransfer/upi/verifyVpa?vpa=${encodeURIComponent(pa)}&amount=${am}&note=${tn}`; },
             freecharge: (pa, pn, am, extra) => `freechargeupi://pay?pa=${pa}&pn=${pn}&am=${am}&cu=INR${extra}`,
             // fallback 在 scheduleAutoClick 里处理
@@ -340,20 +340,20 @@
         const PHONEPE_WALLETS = new Set(['phonepe_biz', 'phonepe_per']);
 
         function updateAppOptions(walletKey) {
-            const isPhonePeWallet = PHONEPE_WALLETS.has(walletKey);
-            const appSel = document.getElementById('app');
-            Array.from(appSel.options).forEach(opt => {
-                const isPhonePeOpt = opt.value === 'phonepe' || opt.value === 'phonepe_pay';
-                opt.disabled = isPhonePeOpt && !isPhonePeWallet;
-            });
+            // const isPhonePeWallet = PHONEPE_WALLETS.has(walletKey);
+            // const appSel = document.getElementById('app');
+            // Array.from(appSel.options).forEach(opt => {
+            //     const isPhonePeOpt = opt.value === 'phonepe' || opt.value === 'phonepe_pay';
+            //     opt.disabled = isPhonePeOpt && !isPhonePeWallet;
+            // });
             // auto-switch away from disabled option
-            if (appSel.options[appSel.selectedIndex].disabled) {
-                appSel.value = 'paytm';
-            }
+            // if (appSel.options[appSel.selectedIndex].disabled) {
+            //     appSel.value = 'paytm';
+            // }
             // auto-select recommended PhonePe scheme
-            if (isPhonePeWallet && appSel.value !== 'phonepe' && appSel.value !== 'phonepe_pay') {
-                appSel.value = walletKey === 'phonepe_biz' ? 'phonepe_pay' : 'phonepe';
-            }
+            // if (isPhonePeWallet && appSel.value !== 'phonepe' && appSel.value !== 'phonepe_pay') {
+            //     appSel.value = walletKey === 'phonepe_biz' ? 'phonepe_pay' : 'phonepe';
+            // }
         }
 
         function update() {
diff --git a/测试结果.md b/测试结果.md
new file mode 100644
index 0000000..7c945fd
--- /dev/null
+++ b/测试结果.md
@@ -0,0 +1,10 @@
+phonepe p2p 付款，收款卡测试情况 
+1.paytmbz 有 tn 号，正常付款
+2.gpaybz 有 tn 号，正常付款
+3.phonepe bz ，不能拉起（非 mode04）
+4.bharatpe bz 无 tn 号，正常付款
+
+5.paytm个人版，有 tn 号，正常付款
+6.phonepe 个人版，有 tn 号，正常付款
+7.mobikwik 个人版，无 tn，正常付款
+8.freecharge 个人版，有 tn，正常付款
\ No newline at end of file