diff --git a/jsowell-admin/src/main/java/com/jsowell/service/MemberService.java b/jsowell-admin/src/main/java/com/jsowell/service/MemberService.java
index 7c8058913..4c235345b 100644
--- a/jsowell-admin/src/main/java/com/jsowell/service/MemberService.java
+++ b/jsowell-admin/src/main/java/com/jsowell/service/MemberService.java
@@ -608,8 +608,11 @@ public class MemberService {
 		}
 		log.info("使用汇付支付充值余额 支付配置参数:{}", JSON.toJSONString(config));
 
+		// 查询延时支付模式，由一级运营商配置决定
+		String payMode = pileMerchantInfoService.getDelayModeByWechatAppId(dto.getWechatAppId());
+
 		// 封装对象
-		String payMode = Constants.ADAPAY_PAY_MODE_DELAY; // 汇付延时分账
+		// String payMode = Constants.ADAPAY_PAY_MODE_DELAY; // 汇付延时分账
 		CreateAdaPaymentParam createAdaPaymentParam = new CreateAdaPaymentParam();
 		createAdaPaymentParam.setOrder_no(SnowflakeIdWorker.getSnowflakeId());
 		createAdaPaymentParam.setPay_amt(AdapayUtil.formatAmount(dto.getAmount()));
@@ -627,7 +630,9 @@ public class MemberService {
 		map.put("memberId", dto.getMemberId());
 		createAdaPaymentParam.setDescription(JSON.toJSONString(map));
 		// 延时分账
-		createAdaPaymentParam.setPay_mode(payMode);
+		if (StringUtils.isNotBlank(payMode)) {
+			createAdaPaymentParam.setPay_mode(payMode);
+		}
 		try {
 			log.info("创建汇付支付参数:{}", JSONObject.toJSONString(createAdaPaymentParam));
 			Map<String, Object> response = Payment.create(BeanMap.create(createAdaPaymentParam), config.getWechatAppId());
diff --git a/jsowell-admin/src/test/java/SpringBootTestController.java b/jsowell-admin/src/test/java/SpringBootTestController.java
index 93ebf8af9..9c1b3550f 100644
--- a/jsowell-admin/src/test/java/SpringBootTestController.java
+++ b/jsowell-admin/src/test/java/SpringBootTestController.java
@@ -11,6 +11,7 @@ import com.google.common.collect.Maps;
 import com.google.common.collect.Sets;
 import com.google.common.primitives.Bytes;
 import com.huifu.adapay.core.exception.BaseAdaPayException;
+import com.huifu.adapay.model.Payment;
 import com.huifu.adapay.model.Refund;
 import com.jsowell.JsowellApplication;
 import com.jsowell.adapay.config.AbstractAdapayConfig;
@@ -205,6 +206,15 @@ public class SpringBootTestController {
 	@Autowired
 	private LTYTService ltytService;
 
+	@Test
+	public void queryPaymentInfoTest() throws BaseAdaPayException {
+		String wechatAppId = "wxbb3e0d474569481d";
+		String paymentId = "002212023082514501110541039779091623936";
+		// 在完成初始化设置情况下，调用查询方法，获取 Payment 查询结果
+		Map<String, Object> response = Payment.query(paymentId, wechatAppId);
+		System.out.println(response);
+	}
+
 	/**
 	 * 手动变更银行卡信息
 	 */
diff --git a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
index d3280c972..397d831e5 100644
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
@@ -99,15 +99,12 @@ public class AdapayService {
         if (memberBasicInfo == null) {
             throw new BusinessException(ReturnCodeEnum.CODE_GET_OPEN_ID_BY_CODE_ERROR);
         }
-        String openId  =memberBasicInfo.getOpenId();
-        // String openId = wxAppletRemoteService.getOpenIdByCode(dto.getCode());
-        // if (StringUtils.isBlank(openId)) {
-        //     throw new BusinessException(ReturnCodeEnum.CODE_GET_OPEN_ID_BY_CODE_ERROR);
-        // }
+        String openId = memberBasicInfo.getOpenId();
 
         // 封装对象
         String amount = AdapayUtil.formatAmount(dto.getPayAmount()); // 用户支付金额
-        String payMode = Constants.ADAPAY_PAY_MODE_DELAY; // 汇付延时分账
+        // String payMode = Constants.ADAPAY_PAY_MODE_DELAY; // 汇付延时分账
+        String payMode = pileMerchantInfoService.getDelayModeByWechatAppId(dto.getWechatAppId());
         CreateAdaPaymentParam createAdaPaymentParam = new CreateAdaPaymentParam();
         createAdaPaymentParam.setOrder_no(dto.getOrderCode());
         createAdaPaymentParam.setPay_amt(amount);
@@ -126,14 +123,17 @@ public class AdapayService {
         createAdaPaymentParam.setExpend(JSONObject.toJSONString(ImmutableMap.of("open_id", openId)));
 
         // 延时分账
-        createAdaPaymentParam.setPay_mode(payMode);
+        if (StringUtils.isNotBlank(payMode)) {
+            createAdaPaymentParam.setPay_mode(payMode);
+        }
         try {
             log.info("创建汇付支付参数:{}", JSONObject.toJSONString(createAdaPaymentParam));
             Map<String, Object> response = Payment.create(BeanMap.create(createAdaPaymentParam), config.getWechatAppId());
             if (response != null && !response.isEmpty()) {
                 JSONObject expend = JSONObject.parseObject(response.get("expend").toString());
                 JSONObject pay_info = expend.getJSONObject("pay_info");
-                Map<String, Object> resultMap = JSONObject.parseObject(pay_info.toJSONString(), new TypeReference<Map<String, Object>>() {});
+                Map<String, Object> resultMap = JSONObject.parseObject(pay_info.toJSONString(), new TypeReference<Map<String, Object>>() {
+                });
                 if (resultMap != null) {
                     // 请求参数放入缓存，15分钟以内返回同一个支付参数
                     redisCache.setCacheObject(redisKey, resultMap, 15, TimeUnit.MINUTES);
@@ -666,7 +666,7 @@ public class AdapayService {
 
         // 发送提现申请
         Map<String, Object> settleCountParams = Maps.newHashMap();
-        String orderNo = "drawcash_" + dto.getMerchantId() + "_" +System.currentTimeMillis();
+        String orderNo = "drawcash_" + dto.getMerchantId() + "_" + System.currentTimeMillis();
         settleCountParams.put("order_no", orderNo);
         settleCountParams.put("cash_amt", AdapayUtil.formatAmount(cashAmt));
         settleCountParams.put("member_id", adapayAccountBalanceVO.getAdapayMemberId());
@@ -710,6 +710,7 @@ public class AdapayService {
 
     /**
      * 查询取现对象
+     *
      * @param orderNo 请求订单号
      */
     public DrawCashDetailVO queryDrawCashDetail(String orderNo, String wechatAppId) throws BaseAdaPayException {
@@ -877,15 +878,30 @@ public class AdapayService {
     /**
      * 创建退款请求
      */
-    public RefundResponse createRefundRequest(String paymentId, BigDecimal refundAmt) {
-        // 延迟分账确认的调退款接口
+    public RefundResponse createRefundRequest(String paymentId, BigDecimal refundAmt, String wechatAppId, String memberId, String scenarioType, String orderCode) {
+        AbstractAdapayConfig config = AdapayConfigFactory.getConfig(wechatAppId);
+        if (config == null) {
+            throw new BusinessException(ReturnCodeEnum.CODE_ADAPAY_CONFIG_IS_NULL_ERROR);
+        }
+
+        // 实时分账的调退款接口
         Map<String, Object> refundParams = Maps.newHashMap();
         refundParams.put("refund_amt", AdapayUtil.formatAmount(refundAmt));
         refundParams.put("refund_order_no", IdUtils.fastSimpleUUID());
+        // expand 为扩展域
+        Map<String, String> expendMap = Maps.newHashMap();
+        expendMap.put("memberId", memberId);
+        expendMap.put("scenarioType", scenarioType);
+        if (StringUtils.isNotBlank(orderCode)) {
+            expendMap.put("orderCode", orderCode);
+        }
+        refundParams.put("expand", expendMap);
+        refundParams.put("reason", expendMap);
         refundParams.put("notify_url", ADAPAY_CALLBACK_URL);
+
         Map<String, Object> resultResponse = null;
         try {
-            resultResponse = Refund.create(paymentId, refundParams);
+            resultResponse = Refund.create(paymentId, refundParams, config.getWechatAppId());
         } catch (BaseAdaPayException e) {
             log.error("汇付支付创建退款对象error", e);
         }
@@ -897,10 +913,10 @@ public class AdapayService {
     /**
      * 创建交易撤销请求
      * 延迟分账未确认, 调交易撤销接口退款
+     *
      * @param wechatAppId 微信小程序appId
      */
     public PaymentReverseResponse createPaymentReverseRequest(String paymentId, BigDecimal reverseAmt, String wechatAppId, String memberId, String scenarioType, String orderCode) {
-        PaymentReverseResponse response;
         AbstractAdapayConfig config = AdapayConfigFactory.getConfig(wechatAppId);
         if (config == null) {
             throw new BusinessException(ReturnCodeEnum.CODE_ADAPAY_CONFIG_IS_NULL_ERROR);
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/PileMerchantInfoMapper.java b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/PileMerchantInfoMapper.java
index a8235d91a..ef4d35a4a 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/PileMerchantInfoMapper.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/PileMerchantInfoMapper.java
@@ -95,7 +95,7 @@ public interface PileMerchantInfoMapper {
 	 * @param appId
 	 * @return
 	 */
-	String getFirstLevelMerchantIdByAppId(String appId);
+	PileMerchantInfo getFirstLevelMerchantByAppId(String appId);
 
 	/**
 	 * 通过appid查询运营商部门id
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/IPileMerchantInfoService.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/IPileMerchantInfoService.java
index 3c311c1d1..c7938e4fb 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/IPileMerchantInfoService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/IPileMerchantInfoService.java
@@ -66,7 +66,9 @@ public interface IPileMerchantInfoService {
 	 */
 	public int deletePileMerchantInfoById(Long id);
 
-	/**
+    PileMerchantInfo getFirstLevelMerchantByAppId(String appId);
+
+    /**
 	 * 通过微信小程序appId查询一级运营商merchantId
 	 * @param appId 微信小程序appId
 	 * @return 一级运营商merchantId
@@ -105,4 +107,6 @@ public interface IPileMerchantInfoService {
 	 * @return
 	 */
 	List<String> getDeptIdsByAppId(String appId);
+
+    String getDelayModeByWechatAppId(String wechatAppId);
 }
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
index 68f73bced..b673b4443 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
@@ -12,6 +12,7 @@ import com.jsowell.adapay.dto.QueryPaymentConfirmDTO;
 import com.jsowell.adapay.response.PaymentConfirmResponse;
 import com.jsowell.adapay.response.PaymentReverseResponse;
 import com.jsowell.adapay.response.QueryPaymentConfirmDetailResponse;
+import com.jsowell.adapay.response.RefundResponse;
 import com.jsowell.adapay.service.AdapayService;
 import com.jsowell.adapay.vo.OrderSettleResult;
 import com.jsowell.common.constant.CacheConstants;
@@ -2338,23 +2339,21 @@ public class OrderBasicInfoServiceImpl implements IOrderBasicInfoService {
         BigDecimal refundAmount = dto.getRefundAmount();
         BigDecimal payAmt = callbackRecord.getPayAmt();
         if (refundAmount.compareTo(payAmt) > 0) {
-            logger.error("汇付支付订单号:{}, 退款金额:{}(元)，大于可退金额{}(元), 抛出异常", dto.getOrderCode(), refundAmount, payAmt);
+            logger.error("汇付支付订单号:{}, 退款金额:{}(元)，大于付款金额{}(元), 抛出异常", dto.getOrderCode(), refundAmount, payAmt);
             throw new BusinessException(ReturnCodeEnum.CODE_REFUND_ORDER_AMOUNT_ERROR);
         }
 
-        // 创建汇付退款对象 在完成初始化设置情况下，调用方法，获取 Refund对象
-
-        // TODO 拿orderCode查询清分状态
-        String payMode = "delay";
-        if (StringUtils.equals("", payMode)) {
-            // 延迟分账确认的调退款接口
-            adapayService.createRefundRequest(paymentId, refundAmount);
-        } else {
+        // 拿orderCode查询延时分账模式  延时分账的使用撤销方法退款，实时分账的使用退款方法
+        String expend = callbackRecord.getExpend();
+        JSONObject expendJsonObject = JSON.parseObject(expend);
+        String payMode = expendJsonObject.getString("payMode");
+        // String payMode = "delay";
+        if (StringUtils.equalsIgnoreCase(payMode, Constants.ADAPAY_PAY_MODE_DELAY)) {
             // 延迟分账未确认调撤销调撤销接口退款
             PaymentReverseResponse response = adapayService.createPaymentReverseRequest(
                     paymentId, refundAmount, dto.getWechatAppId(), dto.getMemberId(), ScenarioEnum.ORDER.getValue(),
                     dto.getOrderCode());
-            if (response != null && response.isFailed()) {
+            if (response != null && response.isNotFailed()) {
                 MemberAdapayRecord record = memberAdapayRecordService.selectByPaymentId(paymentId);
                 BigDecimal reverseAmt = new BigDecimal(response.getReverse_amt());
                 // 更新此笔交易单的消费金额 = 支付金额 - 撤销金额
@@ -2370,7 +2369,52 @@ public class OrderBasicInfoServiceImpl implements IOrderBasicInfoService {
                 }
                 memberAdapayRecordService.updateByPrimaryKeySelective(record);
             }
+        } else {
+            // 实时分账的调退款接口
+            RefundResponse refundRequest = adapayService.createRefundRequest(paymentId, refundAmount, dto.getWechatAppId(), dto.getMemberId(), ScenarioEnum.ORDER.getValue(),
+                    dto.getOrderCode());
+            if (refundRequest != null && refundRequest.isNotFailed()) {
+                MemberAdapayRecord record = memberAdapayRecordService.selectByPaymentId(paymentId);
+                BigDecimal refundAmt = new BigDecimal(refundRequest.getRefund_amt());
+                // 更新此笔交易单的消费金额 = 支付金额 - 撤销金额
+                BigDecimal spendAmt = callbackRecord.getPayAmt().subtract(refundAmt);
+                record.setSpendAmt(spendAmt);
+                // 退款金额
+                record.setRefundAmt(refundAmt);
+                // 更新此笔交易单的剩余金额 = 支付金额 - 累计退款金额 - 累计消费金额
+                record.setBalanceAmt(record.getPayAmt().subtract(record.getRefundAmt()).subtract(record.getSpendAmt()));
+                if (BigDecimal.ZERO.compareTo(record.getBalanceAmt()) != 0) {
+                    logger.error("订单分账结束后账不平，paymentId:{}, orderCode:{}, 支付金额:{}, 消费金额:{}, 退款金额:{}",
+                            paymentId, dto.getOrderCode(), payAmt, spendAmt, refundAmt);
+                }
+                memberAdapayRecordService.updateByPrimaryKeySelective(record);
+            }
         }
+        // if (StringUtils.equals("", payMode)) {
+        //     // 延迟分账确认的调退款接口
+        //     adapayService.createRefundRequest(paymentId, refundAmount);
+        // } else {
+        //     // 延迟分账未确认调撤销调撤销接口退款
+        //     PaymentReverseResponse response = adapayService.createPaymentReverseRequest(
+        //             paymentId, refundAmount, dto.getWechatAppId(), dto.getMemberId(), ScenarioEnum.ORDER.getValue(),
+        //             dto.getOrderCode());
+        //     if (response != null && response.isFailed()) {
+        //         MemberAdapayRecord record = memberAdapayRecordService.selectByPaymentId(paymentId);
+        //         BigDecimal reverseAmt = new BigDecimal(response.getReverse_amt());
+        //         // 更新此笔交易单的消费金额 = 支付金额 - 撤销金额
+        //         BigDecimal spendAmt = callbackRecord.getPayAmt().subtract(reverseAmt);
+        //         record.setSpendAmt(spendAmt);
+        //         // 退款金额
+        //         record.setRefundAmt(reverseAmt);
+        //         // 更新此笔交易单的剩余金额 = 支付金额 - 累计退款金额 - 累计消费金额
+        //         record.setBalanceAmt(record.getPayAmt().subtract(record.getRefundAmt()).subtract(record.getSpendAmt()));
+        //         if (BigDecimal.ZERO.compareTo(record.getBalanceAmt()) != 0) {
+        //             logger.error("订单分账结束后账不平，paymentId:{}, orderCode:{}, 支付金额:{}, 消费金额:{}, 退款金额:{}",
+        //                     paymentId, dto.getOrderCode(), payAmt, spendAmt, reverseAmt);
+        //         }
+        //         memberAdapayRecordService.updateByPrimaryKeySelective(record);
+        //     }
+        // }
     }
 
     @Override
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/PileMerchantInfoServiceImpl.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/PileMerchantInfoServiceImpl.java
index 0e621a1a8..bba5ea84f 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/PileMerchantInfoServiceImpl.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/PileMerchantInfoServiceImpl.java
@@ -260,7 +260,19 @@ public class PileMerchantInfoServiceImpl implements IPileMerchantInfoService {
 			// 逻辑删除部门
 			sysDeptService.deleteDeptById(Long.parseLong(deptId));
 		}
+	}
 
+	/**
+	 * 通过微信小程序appId查询一级运营商merchant对象
+	 * @param appId 微信小程序appId
+	 * @return 一级运营商merchant对象
+	 */
+	@Override
+	public PileMerchantInfo getFirstLevelMerchantByAppId(String appId) {
+		if (StringUtils.isBlank(appId)) {
+			return null;
+		}
+		return pileMerchantInfoMapper.getFirstLevelMerchantByAppId(appId);
 	}
 
 	/**
@@ -270,18 +282,12 @@ public class PileMerchantInfoServiceImpl implements IPileMerchantInfoService {
 	 */
 	@Override
 	public String getFirstLevelMerchantIdByAppId(String appId) {
-		if (StringUtils.isBlank(appId)) {
-			return null;
+		String merchantId = null;
+		PileMerchantInfo merchant = getFirstLevelMerchantByAppId(appId);
+		if (Objects.nonNull(merchant)) {
+			merchantId = String.valueOf(merchant.getId());
 		}
-		try {
-			String merchantId = pileMerchantInfoMapper.getFirstLevelMerchantIdByAppId(appId);
-			if (StringUtils.isNotBlank(merchantId)) {
-				return merchantId;
-			}
-		} catch (Exception e) {
-			log.error("通过appid获取运营商id error", e);
-		}
-		return null;
+		return merchantId;
 	}
 
 	@Override
@@ -327,10 +333,6 @@ public class PileMerchantInfoServiceImpl implements IPileMerchantInfoService {
 		return pileMerchantInfoMapper.queryInfoListByIds(deptIds);
 	}
 
-	public List<String> getLoginUserMerchantIds() {
-		AuthorizedDeptVO authorizedMap = SecurityUtils.getAuthorizedMap();
-		return null;
-	}
 
 	/**
 	 * 查询一级运营商列表
@@ -388,5 +390,21 @@ public class PileMerchantInfoServiceImpl implements IPileMerchantInfoService {
         return pileMerchantInfoMapper.getDeptIdsByAppId(appId);
     }
 
+	/**
+	 * 通过wechatAppId查询一级运营商的延时支付模式配置
+	 * @param wechatAppId 微信小程序id
+	 * @return
+	 */
+	@Override
+	public String getDelayModeByWechatAppId(String wechatAppId) {
+		PileMerchantInfo merchant = getFirstLevelMerchantByAppId(wechatAppId);
+		if (merchant != null) {
+			String delayMode = merchant.getDelayMode();
+			if (StringUtils.equals(delayMode, Constants.ONE)) {
+				return Constants.ADAPAY_PAY_MODE_DELAY;
+			}
+		}
+		return null;
+	}
 
 }
diff --git a/jsowell-pile/src/main/resources/mapper/pile/PileMerchantInfoMapper.xml b/jsowell-pile/src/main/resources/mapper/pile/PileMerchantInfoMapper.xml
index f944f90e1..86cacf91a 100644
--- a/jsowell-pile/src/main/resources/mapper/pile/PileMerchantInfoMapper.xml
+++ b/jsowell-pile/src/main/resources/mapper/pile/PileMerchantInfoMapper.xml
@@ -348,9 +348,9 @@
         and merchant_level = '1'
     </select>
 
-    <select id="getFirstLevelMerchantIdByAppId" resultType="java.lang.String">
+    <select id="getFirstLevelMerchantByAppId" resultMap="PileMerchantInfoResult">
         select
-            id
+            <include refid="Base_Column_List"/>
         from
             pile_merchant_info
         where del_flag = '0'