diff --git a/lib/comm_plan/all.go b/lib/comm_plan/all.go
index 222c249..fc8d93b 100644
--- a/lib/comm_plan/all.go
+++ b/lib/comm_plan/all.go
@@ -11,11 +11,20 @@ func CalReturnAmountAndRatio(level, ownbuyReturnType, peerNum int, userType stri
 	// 佣金的比例兼容旧系统 比例独立出来的 所以这样算
 	commissionRatio = getCommissionRatio(userType, level, peerNum, opt.UserRate)
 	commission = fee * commissionRatio
-
+	var maxReturnTypeCount = 0
+	var returnType = make([]string, 0)
+	for _, v := range opt.UserRate {
+		if v.ReturnType != nil {
+			if len(v.ReturnType) > maxReturnTypeCount {
+				maxReturnTypeCount = len(v.ReturnType)
+				returnType = v.ReturnType
+			}
+		}
+	}
 	// 新版支持多种虚拟币 支持的种类id保存在ReturnType  id=0代表现金佣金 其他为虚拟币
-	if opt.UserRate[level].ReturnType != nil { //返佣类型
+	if returnType != nil { //返佣类型
 
-		for _, coinId := range opt.UserRate[level].ReturnType {
+		for _, coinId := range returnType {
 			newFee := integralFee
 			if coinId == "0" {
 				newFee = fee
@@ -484,6 +493,7 @@ func commSubsidy(opt *PlanOpt, totalAmt, integralTotalAmt float64, lvuser *LvUse
 					}
 					//如果层级不是当前层级 且不是会员升级
 					if pvdBool == false && k+1 != lvuser.Diff {
+						fmt.Println("===========", lvuser.Uid, lvuser.Diff)
 						continue
 					}
 					if pvdBool == false { //如果不是会员升级 newLv=旧的等级
@@ -568,6 +578,12 @@ func getCommissionRatio(typ string, level, peerNum int, grade map[int]*LvGrade)
 
 // 获取佣金、虚拟币比例  0=佣金
 func getVirtualCoinRatio(typ string, level, peerNum int, grade map[int]*LvGrade, coinId string) (ratio string) {
+	if grade[level].ReturnType == nil {
+		return "0"
+	}
+	if zhios_order_relate_utils.InArr(coinId, grade[level].ReturnType) == false {
+		return "0"
+	}
 	ok := false
 	switch typ {
 	case "team":