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 0ddddbbc2..7af1df1b3 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
@@ -1137,10 +1137,9 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
                         .reason("订单支付明细与会员钱包出账金额不一致")
                         .build();
             }
-            // 订单支付金额 = 充电金额 + 保险金额
-            BigDecimal orderPayAmount = orderBasicInfo.getPayAmount()
-                    .add(orderBasicInfo.getInsuranceAmount() == null ? BigDecimal.ZERO : orderBasicInfo.getInsuranceAmount());
-            if (!baseFieldsReady || !samePaymentAmount(orderPayAmount, payRecordAmount)) {
+            // 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)) {
                 return OrderPaymentCheckResult.builder()
                         .checkCompleted(true)
                         .paymentEvidenceFound(true)