diff --git a/backend/app/services/order_service.py b/backend/app/services/order_service.py
index 79cd0f5..2d86c10 100644
--- a/backend/app/services/order_service.py
+++ b/backend/app/services/order_service.py
@@ -1618,6 +1618,9 @@ class OrderService:
                 # 如果有工厂ID，设置到订单上
                 if payload.get("factory_id") and target_status in ("pending_driver", "pending_logistics"):
                     order.factory_id = payload["factory_id"]
+                if target_status == "completed" and float(order.commission_amount or 0) <= 0:
+                    target_status = "settled"
+
                 self.order_repository.update_order_status(session, order, target_status)
                 arrears_service.sync_order_arrears(session, order)
                 audit_service.write_log(