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 7af1df1b3..77bf0f932 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
@@ -1139,14 +1139,27 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
             }
             // 余额支付：payAmount 已通过回调累加（可能含保险），payRecordAmount 仅含余额支付记录，
             // 直接比较两者即可，不应再加保险金额（避免双重计算）
-            if (!baseFieldsReady || !samePaymentAmount(orderBasicInfo.getPayAmount(), payRecordAmount)) {
+            if (!baseFieldsReady) {
                 return OrderPaymentCheckResult.builder()
                         .checkCompleted(true)
                         .paymentEvidenceFound(true)
                         .orderPaymentReady(false)
                         .paymentAmount(payRecordAmount)
                         .paymentTime(paymentTime)
-                        .reason("支付流水存在，但订单主表支付字段不完整或金额不一致")
+                        .reason("支付流水存在，但订单主表支付字段不完整(payStatus=" + payStatus
+                                + ", payAmount=" + orderBasicInfo.getPayAmount()
+                                + ", payTime=" + orderBasicInfo.getPayTime() + ")")
+                        .build();
+            }
+            if (!samePaymentAmount(orderBasicInfo.getPayAmount(), payRecordAmount)) {
+                return OrderPaymentCheckResult.builder()
+                        .checkCompleted(true)
+                        .paymentEvidenceFound(true)
+                        .orderPaymentReady(false)
+                        .paymentAmount(payRecordAmount)
+                        .paymentTime(paymentTime)
+                        .reason("支付流水存在，但订单主表支付金额(" + orderBasicInfo.getPayAmount()
+                                + ")与支付明细汇总(" + payRecordAmount + ")不一致")
                         .build();
             }
             return OrderPaymentCheckResult.builder()
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 53bde990d..7f45776cc 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
@@ -356,6 +356,9 @@ public class DelayMerchantProgramLogic extends AbstractProgramLogic {
             giftBalancePay = stringBigDecimalMap.get("giftBalancePay");
         }
 
+        // 更新支付金额 = 本金支付金额 + 赠送金支付金额，确保与 order_pay_record 汇总一致
+        chargeAmount = principalBalancePay.add(giftBalancePay);
+
         // 更新会员钱包 全部金额都用于支付订单
         UpdateMemberBalanceDTO updateMemberBalanceDTO = UpdateMemberBalanceDTO.builder()
                 .memberId(memberId)