diff --git a/app/Services/IdentityVerificationService.php b/app/Services/IdentityVerificationService.php
index 13a641e9..ab6543a0 100644
--- a/app/Services/IdentityVerificationService.php
+++ b/app/Services/IdentityVerificationService.php
@@ -199,9 +199,10 @@ class IdentityVerificationService
             $publicPayload = $log->properties['public_payload'];
         }
 
-        // 시도 횟수(attempts / max_attempts) 는 노출하지 않는다.
+        // 누적 시도 횟수(attempts) 는 노출하지 않는다.
         // 이 엔드포인트는 권한 가드 없는 공개 폴링용이라 challenge id 만 알면 누구나 조회할 수 있고,
-        // 두 값을 함께 알면 남은 시도 횟수를 정확히 계산해 무차별 대입 시점을 노릴 수 있다.
+        // 남의 인증 시도 실패 횟수가 드러나면 잠금 직전까지 시도 횟수를 맞춰 보는 데 쓰일 수 있다.
+        // 상한(max_attempts) 은 정책 상수라 노출해도 무방하다 — 아래 반환 배열의 주석 참조.
         return [
             'id' => $log->id,
             'status' => $log->status->value,
diff --git a/modules/_bundled/sirsoft-ecommerce/src/Models/OrderPayment.php b/modules/_bundled/sirsoft-ecommerce/src/Models/OrderPayment.php
index 69a0cb60..c02017bc 100644
--- a/modules/_bundled/sirsoft-ecommerce/src/Models/OrderPayment.php
+++ b/modules/_bundled/sirsoft-ecommerce/src/Models/OrderPayment.php
@@ -183,16 +183,6 @@ class OrderPayment extends Model
         return CashReceiptType::fromLegacy($this->cash_receipt_type);
     }
 
-    /**
-     * 무통장입금 결제 여부 확인
-     *
-     * @return bool 무통장입금 결제 여부
-     */
-    public function isBankDeposit(): bool
-    {
-        return $this->payment_method === PaymentMethodEnum::DBANK;
-    }
-
     /**
      * 카드 결제 여부 확인
      *
diff --git a/modules/_bundled/sirsoft-ecommerce/src/Services/CashReceiptService.php b/modules/_bundled/sirsoft-ecommerce/src/Services/CashReceiptService.php
index e9b5e0c4..9a097c41 100644
--- a/modules/_bundled/sirsoft-ecommerce/src/Services/CashReceiptService.php
+++ b/modules/_bundled/sirsoft-ecommerce/src/Services/CashReceiptService.php
@@ -8,7 +8,6 @@ use Modules\Sirsoft\Ecommerce\Enums\CashReceiptIdentifierType;
 use Modules\Sirsoft\Ecommerce\Enums\CashReceiptIssueStatus;
 use Modules\Sirsoft\Ecommerce\Enums\CashReceiptTransactionType;
 use Modules\Sirsoft\Ecommerce\Enums\CashReceiptType;
-use Modules\Sirsoft\Ecommerce\Enums\PaymentMethodEnum;
 use Modules\Sirsoft\Ecommerce\Enums\PaymentStatusEnum;
 use Modules\Sirsoft\Ecommerce\Models\Order;
 use Modules\Sirsoft\Ecommerce\Models\OrderCashReceipt;
@@ -461,7 +460,7 @@ class CashReceiptService
             return 'PAYMENT_NOT_FOUND';
         }
 
-        if ($payment->payment_method !== PaymentMethodEnum::DBANK) {
+        if (! $payment->isBankTransfer()) {
             return 'NOT_CASH_PAYMENT';
         }
 
diff --git a/modules/_bundled/sirsoft-ecommerce/src/Services/OrderAdjustmentService.php b/modules/_bundled/sirsoft-ecommerce/src/Services/OrderAdjustmentService.php
index 8a606513..abeae70b 100644
--- a/modules/_bundled/sirsoft-ecommerce/src/Services/OrderAdjustmentService.php
+++ b/modules/_bundled/sirsoft-ecommerce/src/Services/OrderAdjustmentService.php
@@ -12,6 +12,7 @@ use Modules\Sirsoft\Ecommerce\DTO\OrderCalculationResult;
 use Modules\Sirsoft\Ecommerce\DTO\ShippingAddress;
 use Modules\Sirsoft\Ecommerce\Enums\CouponIssueRecordStatus;
 use Modules\Sirsoft\Ecommerce\Enums\OrderStatusEnum;
+use Modules\Sirsoft\Ecommerce\Enums\PaymentMethodEnum;
 use Modules\Sirsoft\Ecommerce\Enums\RefundPriorityEnum;
 use Modules\Sirsoft\Ecommerce\Models\Order;
 use Modules\Sirsoft\Ecommerce\Repositories\Contracts\CouponIssueRepositoryInterface;
@@ -833,7 +834,11 @@ class OrderAdjustmentService
     {
         $order->loadMissing('payment');
 
-        return $order->payment?->payment_method?->resolveCashEquivalentAmount($finalAmount) ?? 0;
+        // payment_method 는 순수 string (#475 — 확장 결제수단 ID 허용). 코어 enum 에 없는
+        // 확장 결제수단은 현금성 0 으로 판정한다 (OrderProcessingService 와 동일 idiom).
+        return PaymentMethodEnum::tryFrom($order->payment?->paymentMethodId() ?? '')
+            ?->resolveCashEquivalentAmount($finalAmount)
+            ?? 0;
     }
 
     /**
diff --git a/plugins/_bundled/sirsoft-pay_kginicis/src/Support/ApiDoc/ApiDocSampleService.php b/plugins/_bundled/sirsoft-pay_kginicis/src/Support/ApiDoc/ApiDocSampleService.php
index 660637fe..ae9eb02a 100644
--- a/plugins/_bundled/sirsoft-pay_kginicis/src/Support/ApiDoc/ApiDocSampleService.php
+++ b/plugins/_bundled/sirsoft-pay_kginicis/src/Support/ApiDoc/ApiDocSampleService.php
@@ -141,7 +141,7 @@ class ApiDocSampleService implements ApiDocSampleSeeder
             'transaction_id' => self::SAMPLE_TID,
             'merchant_order_id' => 'MO-'.self::SAMPLE_ORDER_NUMBER,
             'payment_status' => PaymentStatusEnum::PAID,
-            'payment_method' => PaymentMethodEnum::VBANK,
+            'payment_method' => PaymentMethodEnum::VBANK->value,
             'is_escrow' => true,
             'buyer_name' => 'API 문서 샘플 구매자',
             'buyer_email' => 'apidoc-sample-user@example.com',
diff --git a/plugins/_bundled/sirsoft-tosspayments/src/Listeners/PaymentRefundListener.php b/plugins/_bundled/sirsoft-tosspayments/src/Listeners/PaymentRefundListener.php
index 1c13d339..12735c72 100644
--- a/plugins/_bundled/sirsoft-tosspayments/src/Listeners/PaymentRefundListener.php
+++ b/plugins/_bundled/sirsoft-tosspayments/src/Listeners/PaymentRefundListener.php
@@ -4,7 +4,6 @@ namespace Plugins\Sirsoft\Tosspayments\Listeners;
 
 use App\Contracts\Extension\HookListenerInterface;
 use Illuminate\Support\Facades\Log;
-use Modules\Sirsoft\Ecommerce\Enums\PaymentMethodEnum;
 use Modules\Sirsoft\Ecommerce\Models\Order;
 use Modules\Sirsoft\Ecommerce\Models\OrderPayment;
 use Modules\Sirsoft\Ecommerce\Models\OrderRefund;
@@ -257,7 +256,7 @@ class PaymentRefundListener implements HookListenerInterface
      */
     private function requiresRefundReceiveAccount(OrderPayment $payment): bool
     {
-        return $payment->payment_method === PaymentMethodEnum::VBANK;
+        return $payment->isVirtualAccount();
     }
 
     /**