diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/DelayMerchantProgramLogic.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/DelayMerchantProgramLogic.java
index 2abdd860e..4f058958f 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/DelayMerchantProgramLogic.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/DelayMerchantProgramLogic.java
@@ -1084,9 +1084,11 @@ public class DelayMerchantProgramLogic extends AbstractProgramLogic {
 
         // 需要退回本金的金额
         BigDecimal returnPrincipal = returnAmountMap.get("returnPrincipal");
+        returnPrincipal = returnPrincipal == null ? BigDecimal.ZERO : returnPrincipal;
 
         // 需要退回赠送金的金额
         BigDecimal returnGift = returnAmountMap.get("returnGift");
+        returnGift = returnGift == null ? BigDecimal.ZERO : returnGift;
 
         // 更新会员钱包/余额退回到钱包
         UpdateMemberBalanceDTO updateMemberBalanceDTO = UpdateMemberBalanceDTO.builder()