diff --git a/jsowell-admin/src/main/java/com/jsowell/web/controller/pile/InternalOrderController.java b/jsowell-admin/src/main/java/com/jsowell/web/controller/pile/InternalOrderController.java
new file mode 100644
index 000000000..44b8c5fcf
--- /dev/null
+++ b/jsowell-admin/src/main/java/com/jsowell/web/controller/pile/InternalOrderController.java
@@ -0,0 +1,42 @@
+package com.jsowell.web.controller.pile;
+
+import com.jsowell.common.core.controller.BaseController;
+import com.jsowell.common.core.domain.AjaxResult;
+import com.jsowell.pile.service.OrderBasicInfoService;
+import com.jsowell.pile.vo.UnsplitOrderFieldsVO;
+import org.apache.commons.collections4.CollectionUtils;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.web.bind.annotation.PostMapping;
+import org.springframework.web.bind.annotation.RequestBody;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RestController;
+
+import java.util.List;
+import java.util.Set;
+
+/**
+ * 内部查询接口（仅供 Task/脚本 调用，不对外暴露鉴权）
+ * 用于 PRE 环境向本地数据库查询订单补齐字段
+ */
+@RestController
+@RequestMapping("/internal/order")
+public class InternalOrderController extends BaseController {
+
+    @Autowired
+    private OrderBasicInfoService orderBasicInfoService;
+
+    /**
+     * 批量查询未分账订单补齐所需字段
+     * POST /internal/order/unsplit-fields
+     * Body: ["C202401010001", "C202401010002", ...]
+     * 返回：order_code, pile_sn, settle_amount, refund_amount
+     */
+    @PostMapping("/unsplit-fields")
+    public AjaxResult getUnsplitOrderFields(@RequestBody Set<String> orderCodes) {
+        if (CollectionUtils.isEmpty(orderCodes)) {
+            return AjaxResult.error("orderCodes 不能为空");
+        }
+        List<UnsplitOrderFieldsVO> list = orderBasicInfoService.selectUnsplitOrderFields(orderCodes);
+        return AjaxResult.success(list);
+    }
+}
diff --git a/jsowell-admin/src/main/resources/application-pre.yml b/jsowell-admin/src/main/resources/application-pre.yml
index eecf00098..c5496fbf0 100644
--- a/jsowell-admin/src/main/resources/application-pre.yml
+++ b/jsowell-admin/src/main/resources/application-pre.yml
@@ -299,3 +299,7 @@ dubbo:
     port: -1
   consumer:
     check: false  # 关键配置：启动时不检查提供者
+
+# PRE 环境自身地址（供 Task 调用内部接口补齐订单字段）
+pre:
+  base-url: http://localhost:8080
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/OrderBasicInfoMapper.java b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/OrderBasicInfoMapper.java
index cc765f708..2430b8fa9 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/OrderBasicInfoMapper.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/OrderBasicInfoMapper.java
@@ -6,6 +6,7 @@ import com.jsowell.pile.dto.*;
 import com.jsowell.pile.dto.nanrui.NRQueryOrderDTO;
 import com.jsowell.pile.dto.ningxiajiaotou.NXJTQueryOrdersInfoDTO;
 import com.jsowell.pile.vo.SupStationStatsVO;
+import com.jsowell.pile.vo.UnsplitOrderFieldsVO;
 import com.jsowell.pile.vo.base.MerchantOrderInfoVO;
 import com.jsowell.pile.vo.lianlian.AccumulativeInfoVO;
 import com.jsowell.pile.vo.nanrui.JiangSuOrderInfoVO;
@@ -452,6 +453,8 @@ public interface OrderBasicInfoMapper {
 
     List<OrderBasicInfo> selectOrderTemp(@Param("orderCodes") Set<String> orderCodes);
 
+    List<UnsplitOrderFieldsVO> selectUnsplitOrderFields(@Param("orderCodes") Set<String> orderCodes);
+
     /**
      * 获取保险收入
      * @param dto
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/OrderBasicInfoService.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/OrderBasicInfoService.java
index 496903511..27e4bcdd5 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/OrderBasicInfoService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/OrderBasicInfoService.java
@@ -14,6 +14,7 @@ import com.jsowell.pile.dto.nanrui.NRQueryOrderDTO;
 import com.jsowell.pile.dto.ningxiajiaotou.NXJTQueryOrdersInfoDTO;
 import com.jsowell.pile.vo.OrderInfoDetailVO;
 import com.jsowell.pile.vo.SupStationStatsVO;
+import com.jsowell.pile.vo.UnsplitOrderFieldsVO;
 import com.jsowell.pile.vo.base.MerchantOrderInfoVO;
 import com.jsowell.pile.vo.base.OrderAmountDetailVO;
 import com.jsowell.pile.vo.base.OrderPeriodAmountVO;
@@ -662,6 +663,9 @@ public interface OrderBasicInfoService{
     // 临时接口， 查询订单信息
     List<OrderBasicInfo> selectOrderTemp(Set<String> orderCodes);
 
+    // 查询未分账订单补齐所需字段（轻量接口，仅返回 pileSn/settleAmount/refundAmount）
+    List<UnsplitOrderFieldsVO> selectUnsplitOrderFields(Set<String> orderCodes);
+
     /**
      * 获取保险金额
      * @param dto
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 c9e1ed587..90851203f 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
@@ -60,6 +60,7 @@ import com.jsowell.pile.util.UserUtils;
 import com.jsowell.pile.vo.OrderInfoDetailVO;
 import com.jsowell.pile.vo.OrderPayRecordVO;
 import com.jsowell.pile.vo.SupStationStatsVO;
+import com.jsowell.pile.vo.UnsplitOrderFieldsVO;
 import com.jsowell.pile.vo.base.*;
 import com.jsowell.pile.vo.base.PileInfoVO;
 import com.jsowell.pile.vo.lianlian.AccumulativeInfoVO;
@@ -6463,6 +6464,11 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
         return orderBasicInfoMapper.selectOrderTemp(orderCodes);
     }
 
+    @Override
+    public List<UnsplitOrderFieldsVO> selectUnsplitOrderFields(Set<String> orderCodes) {
+        return orderBasicInfoMapper.selectUnsplitOrderFields(orderCodes);
+    }
+
     /**
      * 查询每天的保险金额
      * @param dto
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/vo/UnsplitOrderFieldsVO.java b/jsowell-pile/src/main/java/com/jsowell/pile/vo/UnsplitOrderFieldsVO.java
new file mode 100644
index 000000000..ff9e6c902
--- /dev/null
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/vo/UnsplitOrderFieldsVO.java
@@ -0,0 +1,24 @@
+package com.jsowell.pile.vo;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * 未分账订单补齐字段 VO（仅包含 Task 补齐所需的最小字段集）
+ */
+@Data
+public class UnsplitOrderFieldsVO {
+
+    /** 订单编号 */
+    private String orderCode;
+
+    /** 充电桩SN（用于判断桩类型 EV/eBike） */
+    private String pileSn;
+
+    /** 结算金额（应分账金额） */
+    private BigDecimal settleAmount;
+
+    /** 退款金额（已退款或应退款金额） */
+    private BigDecimal refundAmount;
+}
diff --git a/jsowell-pile/src/main/resources/mapper/pile/OrderBasicInfoMapper.xml b/jsowell-pile/src/main/resources/mapper/pile/OrderBasicInfoMapper.xml
index 9777ea835..c8b01e709 100644
--- a/jsowell-pile/src/main/resources/mapper/pile/OrderBasicInfoMapper.xml
+++ b/jsowell-pile/src/main/resources/mapper/pile/OrderBasicInfoMapper.xml
@@ -3599,6 +3599,15 @@
         </foreach>
     </select>
 
+    <select id="selectUnsplitOrderFields" resultType="com.jsowell.pile.vo.UnsplitOrderFieldsVO">
+        select order_code, pile_sn, settle_amount, refund_amount
+        from order_basic_info
+        where order_code in
+        <foreach item="item" collection="orderCodes" separator="," open="(" close=")">
+            #{item}
+        </foreach>
+    </select>
+
     <select id="getInsuranceAmount" resultType="com.jsowell.pile.vo.web.IndexPlatformProfitVO">
         select
             DATE_FORMAT(settlement_time, '%Y-%m-%d') as tradeDate,
diff --git a/jsowell-quartz/src/main/java/com/jsowell/quartz/task/AdapayUnsplitTask.java b/jsowell-quartz/src/main/java/com/jsowell/quartz/task/AdapayUnsplitTask.java
new file mode 100644
index 000000000..9bd0196f7
--- /dev/null
+++ b/jsowell-quartz/src/main/java/com/jsowell/quartz/task/AdapayUnsplitTask.java
@@ -0,0 +1,567 @@
+package com.jsowell.quartz.task;
+
+import com.alibaba.fastjson2.JSON;
+import com.alibaba.fastjson2.JSONObject;
+import com.google.common.collect.Lists;
+import com.jsowell.adapay.common.DivMember;
+import com.jsowell.adapay.dto.PaymentConfirmParam;
+import com.jsowell.adapay.response.PaymentConfirmResponse;
+import com.jsowell.adapay.response.RefundResponse;
+import com.jsowell.adapay.service.AdapayService;
+import com.jsowell.common.YouDianUtils;
+import com.jsowell.common.constant.CacheConstants;
+import com.jsowell.common.constant.Constants;
+import com.jsowell.common.core.redis.RedisCache;
+import com.jsowell.common.util.DateUtils;
+import com.jsowell.common.util.StringUtils;
+import com.jsowell.common.util.http.HttpUtils;
+import com.jsowell.pile.domain.AdapayUnsplitRecord;
+import com.jsowell.pile.service.AdapayUnsplitRecordService;
+import com.jsowell.pile.service.OrderBasicInfoService;
+import com.jsowell.pile.vo.AdapayUnsplitRecordVO;
+import com.jsowell.pile.vo.UnsplitOrderFieldsVO;
+import org.apache.commons.collections4.CollectionUtils;
+import org.apache.poi.ss.usermodel.*;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.stereotype.Component;
+
+import java.io.InputStream;
+import java.math.BigDecimal;
+import java.nio.file.Files;
+import java.nio.file.Path;
+import java.nio.file.Paths;
+import java.util.*;
+import java.util.concurrent.ForkJoinPool;
+import java.util.concurrent.atomic.AtomicInteger;
+import java.util.stream.Collectors;
+
+/**
+ * 汇付未分账订单处理 Task
+ *
+ * 三步流程（可独立调用，也可按顺序执行）：
+ *   Step1: adapayUnsplitTask.step1ImportExcel('文件路径')          — 导入 Excel 到 adapay_unsplit_record
+ *   Step2: adapayUnsplitTask.step2CompleteFields('startTime','endTime') — 调 PRE 接口补齐订单字段
+ *   Step3: adapayUnsplitTask.step3ProcessSplit()                   — 分账 + 退款处理
+ */
+@Component("adapayUnsplitTask")
+public class AdapayUnsplitTask {
+
+    private static final Logger log = LoggerFactory.getLogger(AdapayUnsplitTask.class);
+
+    /** 批量导入每批大小 */
+    private static final int IMPORT_BATCH_SIZE = 500;
+    /** 补齐字段分页大小 */
+    private static final int COMPLETE_PAGE_SIZE = 200;
+    /** 调 PRE 接口每批 orderCode 数量（避免 URL/Body 过长） */
+    private static final int PRE_QUERY_BATCH_SIZE = 100;
+
+    @Value("${pre.base-url:http://localhost:8080}")
+    private String preBaseUrl;
+
+    @Autowired
+    private AdapayUnsplitRecordService adapayUnsplitRecordService;
+
+    @Autowired
+    private AdapayService adapayService;
+
+    @Autowired
+    private RedisCache redisCache;
+
+    // =========================================================
+    // Step 1: 导入 Excel → adapay_unsplit_record
+    // =========================================================
+
+    /**
+     * 从默认路径导入 Excel
+     * adapayUnsplitTask.step1ImportExcel()
+     */
+    public void step1ImportExcel() {
+        step1ImportExcel("doc/万车充小程序-未分账明细.xlsx");
+    }
+
+    /**
+     * 从指定路径导入 Excel 到 adapay_unsplit_record 表
+     * adapayUnsplitTask.step1ImportExcel('doc/万车充小程序-未分账明细.xlsx')
+     */
+    public void step1ImportExcel(String filePath) {
+        Path path = Paths.get(filePath);
+        if (!path.isAbsolute()) {
+            path = Paths.get(System.getProperty("user.dir"), filePath);
+        }
+        if (!Files.exists(path)) {
+            log.error("[step1ImportExcel] 文件不存在: {}", path.toAbsolutePath());
+            return;
+        }
+
+        int total = 0, success = 0, skipped = 0, failed = 0;
+        DataFormatter formatter = new DataFormatter();
+
+        try (InputStream is = Files.newInputStream(path);
+             Workbook workbook = WorkbookFactory.create(is)) {
+
+            Sheet sheet = workbook.getSheetAt(0);
+            if (sheet == null) {
+                log.error("[step1ImportExcel] Excel 无 Sheet, file:{}", path.toAbsolutePath());
+                return;
+            }
+            Row headerRow = sheet.getRow(sheet.getFirstRowNum());
+            if (headerRow == null) {
+                log.error("[step1ImportExcel] Excel 无表头, file:{}", path.toAbsolutePath());
+                return;
+            }
+
+            Map<String, Integer> headerMap = buildHeaderMap(headerRow, formatter);
+            List<String> required = Arrays.asList(
+                    "商户号", "支付时间", "交易流水号", "交易订单号",
+                    "交易订单金额", "已确认分账金额", "已撤销金额", "支付确认撤销金额", "剩余未分账金额"
+            );
+            for (String h : required) {
+                if (!headerMap.containsKey(normalize(h))) {
+                    log.error("[step1ImportExcel] 缺少必要列: {}", h);
+                    return;
+                }
+            }
+
+            List<AdapayUnsplitRecord> batch = new ArrayList<>(IMPORT_BATCH_SIZE);
+            int firstData = sheet.getFirstRowNum() + 1;
+            int lastData = sheet.getLastRowNum();
+
+            for (int rowNum = firstData; rowNum <= lastData; rowNum++) {
+                Row row = sheet.getRow(rowNum);
+                if (row == null || isRowEmpty(row)) continue;
+                total++;
+
+                try {
+                    AdapayUnsplitRecord record = rowToRecord(row, headerMap, formatter);
+                    if (record == null) { skipped++; continue; }
+                    batch.add(record);
+
+                    if (batch.size() >= IMPORT_BATCH_SIZE) {
+                        adapayUnsplitRecordService.batchInsertOrUpdateSelective(batch);
+                        success += batch.size();
+                        batch.clear();
+                    }
+                } catch (Exception e) {
+                    failed++;
+                    log.error("[step1ImportExcel] 行解析失败, rowNum:{}", rowNum + 1, e);
+                }
+            }
+            if (!batch.isEmpty()) {
+                adapayUnsplitRecordService.batchInsertOrUpdateSelective(batch);
+                success += batch.size();
+            }
+
+        } catch (Exception e) {
+            log.error("[step1ImportExcel] 读取 Excel 失败, file:{}", path.toAbsolutePath(), e);
+        }
+
+        log.info("[step1ImportExcel] 完成, total:{}, success:{}, skipped:{}, failed:{}", total, success, skipped, failed);
+    }
+
+    // =========================================================
+    // Step 2: 调 PRE 接口补齐 order_code/pile_type/settle_amount/due_refund_amount
+    // =========================================================
+
+    /**
+     * 补齐指定时间范围内的未分账记录字段
+     * adapayUnsplitTask.step2CompleteFields('2024-01-01 00:00:00', '2025-12-31 23:59:59')
+     */
+    public void step2CompleteFields(String startTime, String endTime) {
+        int pageNum = 1;
+        int updatedTotal = 0;
+
+        while (true) {
+            // 分页查询该时间段内的记录
+            com.jsowell.common.util.PageUtils.startPage(pageNum, COMPLETE_PAGE_SIZE);
+            List<AdapayUnsplitRecord> list = adapayUnsplitRecordService.queryUnsplitOrders(startTime, endTime);
+            if (CollectionUtils.isEmpty(list)) break;
+
+            // 1. 从 orderNo 中提取 orderCode（C 开头，下划线前的部分）
+            for (AdapayUnsplitRecord r : list) {
+                if (StringUtils.isBlank(r.getOrderCode())) {
+                    r.setOrderCode(extractOrderCode(r.getOrderNo()));
+                }
+            }
+
+            // 2. 收集有效 orderCode，批量调 PRE 接口查询订单字段
+            Set<String> orderCodes = list.stream()
+                    .map(AdapayUnsplitRecord::getOrderCode)
+                    .filter(c -> StringUtils.isNotBlank(c) && c.startsWith("C"))
+                    .collect(Collectors.toSet());
+
+            Map<String, UnsplitOrderFieldsVO> orderFieldMap = new HashMap<>();
+            if (CollectionUtils.isNotEmpty(orderCodes)) {
+                orderFieldMap = queryOrderFieldsFromPre(orderCodes);
+            }
+
+            // 3. 逐条比对，有变化才加入更新列表
+            List<AdapayUnsplitRecord> updateList = new ArrayList<>();
+            Date now = DateUtils.getNowDate();
+            for (AdapayUnsplitRecord r : list) {
+                boolean changed = false;
+
+                // 补 orderCode
+                String orderCode = r.getOrderCode();
+                if (StringUtils.isBlank(orderCode)) {
+                    orderCode = extractOrderCode(r.getOrderNo());
+                    if (StringUtils.isNotBlank(orderCode)) {
+                        r.setOrderCode(orderCode);
+                        changed = true;
+                    }
+                }
+
+                // 用 PRE 接口数据补齐其余字段
+                if (StringUtils.isNotBlank(orderCode)) {
+                    UnsplitOrderFieldsVO fields = orderFieldMap.get(orderCode);
+                    if (fields != null) {
+                        // pile_type
+                        String pileType = YouDianUtils.isEBikePileSn(fields.getPileSn()) ? "eBike" : "EV";
+                        if (!StringUtils.equals(r.getPileType(), pileType)) {
+                            r.setPileType(pileType);
+                            changed = true;
+                        }
+                        // settle_amount
+                        if (!isSameAmount(r.getSettleAmount(), fields.getSettleAmount())) {
+                            r.setSettleAmount(fields.getSettleAmount());
+                            changed = true;
+                        }
+                        // due_refund_amount
+                        if (!isSameAmount(r.getDueRefundAmount(), fields.getRefundAmount())) {
+                            r.setDueRefundAmount(fields.getRefundAmount());
+                            changed = true;
+                        }
+                    }
+                }
+
+                if (changed) {
+                    r.setUpdateTime(now);
+                    updateList.add(r);
+                }
+            }
+
+            if (CollectionUtils.isNotEmpty(updateList)) {
+                adapayUnsplitRecordService.updateBatchSelective(updateList);
+                updatedTotal += updateList.size();
+            }
+
+            if (list.size() < COMPLETE_PAGE_SIZE) break;
+            pageNum++;
+        }
+
+        log.info("[step2CompleteFields] 完成, startTime:{}, endTime:{}, 更新:{}条", startTime, endTime, updatedTotal);
+    }
+
+    /**
+     * 批量调 PRE 环境 /internal/order/unsplit-fields 接口查询订单字段
+     * 每批最多 PRE_QUERY_BATCH_SIZE 个 orderCode，并行发起请求
+     */
+    private Map<String, UnsplitOrderFieldsVO> queryOrderFieldsFromPre(Set<String> orderCodes) {
+        Map<String, UnsplitOrderFieldsVO> result = new HashMap<>();
+        List<String> codeList = new ArrayList<>(orderCodes);
+        String url = preBaseUrl + "/internal/order/unsplit-fields";
+
+        // 分批请求，每批 PRE_QUERY_BATCH_SIZE 条
+        List<List<String>> partitions = new ArrayList<>();
+        for (int i = 0; i < codeList.size(); i += PRE_QUERY_BATCH_SIZE) {
+            partitions.add(codeList.subList(i, Math.min(i + PRE_QUERY_BATCH_SIZE, codeList.size())));
+        }
+
+        for (List<String> batch : partitions) {
+            try {
+                String body = JSON.toJSONString(batch);
+                String resp = HttpUtils.sendPostContentType(url, body, "application/json");
+                if (StringUtils.isBlank(resp)) continue;
+
+                JSONObject json = JSONObject.parseObject(resp);
+                if (json == null || json.getIntValue("code") != 200) {
+                    log.warn("[step2CompleteFields] PRE 接口返回异常: {}", resp);
+                    continue;
+                }
+                List<UnsplitOrderFieldsVO> list = json.getJSONArray("data")
+                        .toJavaList(UnsplitOrderFieldsVO.class);
+                if (CollectionUtils.isNotEmpty(list)) {
+                    list.forEach(v -> result.put(v.getOrderCode(), v));
+                }
+            } catch (Exception e) {
+                log.error("[step2CompleteFields] 调 PRE 接口失败, batch size:{}", batch.size(), e);
+            }
+        }
+        return result;
+    }
+
+    // =========================================================
+    // Step 3: 分账 + 退款处理
+    // =========================================================
+
+    /**
+     * 处理所有待分账记录（默认 appId，10 线程并行）
+     * adapayUnsplitTask.step3ProcessSplit()
+     */
+    public void step3ProcessSplit() {
+        step3ProcessSplit(Constants.DEFAULT_APP_ID, 10);
+    }
+
+    /**
+     * 处理所有待分账记录
+     * 逻辑：
+     *   - remaining_split_amount > 0 时需要处理
+     *   - due_refund_amount > refund_amount：差额部分走退款
+     *   - settle_amount > confirmed_split_amount：差额部分走分账
+     * adapayUnsplitTask.step3ProcessSplit('wx_app_id', 10)
+     */
+    public void step3ProcessSplit(String wechatAppId, Integer parallelism) {
+        int threads = (parallelism == null || parallelism <= 0) ? 10 : parallelism;
+
+        Boolean acquired = redisCache.setnx(CacheConstants.PROCESS_UNSPLIT_ORDERS, Constants.ONE, 120L);
+        if (Boolean.FALSE.equals(acquired)) {
+            log.info("[step3ProcessSplit] 上一批次仍在执行中，跳过");
+            return;
+        }
+
+        try {
+            List<AdapayUnsplitRecordVO> list = adapayUnsplitRecordService.queryList();
+            if (CollectionUtils.isEmpty(list)) {
+                log.info("[step3ProcessSplit] 无待处理记录");
+                return;
+            }
+            log.info("[step3ProcessSplit] 共{}条待处理记录，并行线程数:{}", list.size(), threads);
+
+            AtomicInteger splitSuccess = new AtomicInteger();
+            AtomicInteger splitFailed = new AtomicInteger();
+            AtomicInteger refundSuccess = new AtomicInteger();
+            AtomicInteger refundFailed = new AtomicInteger();
+            AtomicInteger skipped = new AtomicInteger();
+
+            ForkJoinPool pool = new ForkJoinPool(threads);
+            try {
+                pool.submit(() ->
+                    list.parallelStream().forEach(item -> {
+                        String paymentId = item.getPaymentId();
+                        String orderCode = item.getOrderCode();
+                        if (StringUtils.isBlank(paymentId)) {
+                            skipped.incrementAndGet();
+                            return;
+                        }
+
+                        // --- 退款部分 ---
+                        // due_refund_amount - refund_amount = 应退但未退的金额
+                        BigDecimal dueRefund = nvl(item.getRefundAmount());       // due_refund_amount
+                        BigDecimal paidRefund = nvl(item.getPaidAmount());        // refund_amount（已退）
+                        BigDecimal pendingRefund = dueRefund.subtract(paidRefund);
+                        if (pendingRefund.compareTo(BigDecimal.ZERO) > 0) {
+                            doRefund(paymentId, orderCode, pendingRefund, wechatAppId, refundSuccess, refundFailed);
+                        }
+
+                        // --- 分账部分 ---
+                        // waitSplitAmount = settle_amount - confirmed_split_amount - payment_revoke_amount
+                        BigDecimal waitSplit = nvl(item.getWaitSplitAmount());
+                        if (waitSplit.compareTo(BigDecimal.ZERO) > 0) {
+                            doSplit(item, paymentId, orderCode, waitSplit, wechatAppId, splitSuccess, splitFailed);
+                        }
+
+                        if (pendingRefund.compareTo(BigDecimal.ZERO) <= 0 && waitSplit.compareTo(BigDecimal.ZERO) <= 0) {
+                            skipped.incrementAndGet();
+                        }
+                    })
+                ).get();
+            } catch (Exception e) {
+                log.error("[step3ProcessSplit] 并行执行异常", e);
+            } finally {
+                pool.shutdown();
+            }
+
+            log.info("[step3ProcessSplit] 完成, splitSuccess:{}, splitFailed:{}, refundSuccess:{}, refundFailed:{}, skipped:{}",
+                    splitSuccess.get(), splitFailed.get(), refundSuccess.get(), refundFailed.get(), skipped.get());
+        } finally {
+            redisCache.deleteObject(CacheConstants.PROCESS_UNSPLIT_ORDERS);
+        }
+    }
+
+    // =========================================================
+    // 私有方法
+    // =========================================================
+
+    private void doRefund(String paymentId, String orderCode, BigDecimal refundAmt,
+                          String wechatAppId, AtomicInteger success, AtomicInteger failed) {
+        try {
+            RefundResponse resp = adapayService.createRefundRequest(
+                    paymentId, refundAmt.setScale(2, BigDecimal.ROUND_HALF_UP),
+                    wechatAppId, Constants.ZERO, "SPLIT", orderCode);
+
+            if (resp != null && resp.isSuccess()) {
+                success.incrementAndGet();
+                updateSplitResult(paymentId, "REFUND_SUCCESS",
+                        "退款金额: " + refundAmt.toPlainString());
+                log.info("[step3ProcessSplit] 退款成功, paymentId:{}, orderCode:{}, refundAmt:{}", paymentId, orderCode, refundAmt);
+            } else {
+                failed.incrementAndGet();
+                String errCode = resp == null ? "null" : resp.getError_code();
+                String errMsg  = resp == null ? "response_is_null" : resp.getError_msg();
+                updateSplitResult(paymentId, "REFUND_FAILED", errCode + ": " + errMsg);
+                log.error("[step3ProcessSplit] 退款失败, paymentId:{}, orderCode:{}, errCode:{}, errMsg:{}", paymentId, orderCode, errCode, errMsg);
+            }
+        } catch (Exception e) {
+            failed.incrementAndGet();
+            updateSplitResult(paymentId, "REFUND_FAILED", "异常: " + e.getMessage());
+            log.error("[step3ProcessSplit] 退款异常, paymentId:{}, orderCode:{}", paymentId, orderCode, e);
+        }
+    }
+
+    private void doSplit(AdapayUnsplitRecordVO item, String paymentId, String orderCode,
+                         BigDecimal waitSplit, String wechatAppId,
+                         AtomicInteger success, AtomicInteger failed) {
+        try {
+            DivMember divMember = new DivMember();
+            divMember.setMemberId(Constants.ZERO);
+            divMember.setAmount(waitSplit.setScale(2, BigDecimal.ROUND_HALF_UP).toPlainString());
+            divMember.setFeeFlag(Constants.Y);
+
+            PaymentConfirmParam param = PaymentConfirmParam.builder()
+                    .paymentId(paymentId)
+                    .divMemberList(Lists.newArrayList(divMember))
+                    .confirmAmt(waitSplit)
+                    .orderCode(orderCode)
+                    .wechatAppId(wechatAppId)
+                    .build();
+            PaymentConfirmResponse resp = adapayService.createPaymentConfirmRequest(param);
+
+            if (resp != null && resp.isSuccess()) {
+                success.incrementAndGet();
+                // 累加 confirmed_split_amount
+                BigDecimal newConfirmed = nvl(item.getConfirmedSplitAmount())
+                        .add(waitSplit).setScale(2, BigDecimal.ROUND_HALF_UP);
+                AdapayUnsplitRecord update = new AdapayUnsplitRecord();
+                update.setPaymentId(paymentId);
+                update.setConfirmedSplitAmount(newConfirmed);
+                update.setSplitFlag("SUCCESS");
+                update.setSplitRemark("分账金额: " + waitSplit.toPlainString());
+                update.setUpdateTime(DateUtils.getNowDate());
+                adapayUnsplitRecordService.updateByPaymentIdSelective(update);
+                log.info("[step3ProcessSplit] 分账成功, paymentId:{}, orderCode:{}, amt:{}", paymentId, orderCode, waitSplit);
+            } else {
+                failed.incrementAndGet();
+                String errCode = resp == null ? "null" : resp.getError_code();
+                String errMsg  = resp == null ? "response_is_null" : resp.getError_msg();
+                updateSplitResult(paymentId, "FAILED", errCode + ": " + errMsg);
+                log.error("[step3ProcessSplit] 分账失败, paymentId:{}, orderCode:{}, errCode:{}, errMsg:{}", paymentId, orderCode, errCode, errMsg);
+            }
+        } catch (Exception e) {
+            failed.incrementAndGet();
+            updateSplitResult(paymentId, "FAILED", "异常: " + e.getMessage());
+            log.error("[step3ProcessSplit] 分账异常, paymentId:{}, orderCode:{}", paymentId, orderCode, e);
+        }
+    }
+
+    private void updateSplitResult(String paymentId, String splitFlag, String splitRemark) {
+        AdapayUnsplitRecord r = new AdapayUnsplitRecord();
+        r.setPaymentId(paymentId);
+        r.setSplitFlag(splitFlag);
+        r.setSplitRemark(splitRemark);
+        r.setUpdateTime(DateUtils.getNowDate());
+        adapayUnsplitRecordService.updateByPaymentIdSelective(r);
+    }
+
+    private AdapayUnsplitRecord rowToRecord(Row row, Map<String, Integer> headerMap, DataFormatter formatter) {
+        String paymentId = cellStr(row, headerMap.get(normalize("交易流水号")), formatter);
+        if (StringUtils.isBlank(paymentId)) return null;
+
+        String orderNo = cellStr(row, headerMap.get(normalize("交易订单号")), formatter);
+        String orderCode = extractOrderCode(orderNo);
+
+        AdapayUnsplitRecord r = new AdapayUnsplitRecord();
+        r.setMerchantCode(cellStr(row, headerMap.get(normalize("商户号")), formatter));
+        r.setPayTime(parsePayTime(getCell(row, headerMap.get(normalize("支付时间"))), formatter));
+        r.setPaymentId(paymentId);
+        r.setOrderNo(orderNo);
+        r.setOrderCode(orderCode);
+        r.setPayAmount(cellDecimal(row, headerMap.get(normalize("交易订单金额")), formatter));
+        r.setConfirmedSplitAmount(cellDecimal(row, headerMap.get(normalize("已确认分账金额")), formatter));
+        r.setRefundAmount(cellDecimal(row, headerMap.get(normalize("已撤销金额")), formatter));
+        r.setPaymentRevokeAmount(cellDecimal(row, headerMap.get(normalize("支付确认撤销金额")), formatter));
+        r.setRemainingSplitAmount(cellDecimal(row, headerMap.get(normalize("剩余未分账金额")), formatter));
+        r.setUpdateTime(DateUtils.getNowDate());
+        return r;
+    }
+
+    private String extractOrderCode(String orderNo) {
+        if (StringUtils.isBlank(orderNo)) return null;
+        int idx = orderNo.indexOf("_");
+        String code = idx > 0 ? orderNo.substring(0, idx) : orderNo;
+        return code.length() <= 16 ? code : null;
+    }
+
+    private Map<String, Integer> buildHeaderMap(Row headerRow, DataFormatter formatter) {
+        Map<String, Integer> map = new HashMap<>();
+        for (int i = headerRow.getFirstCellNum(); i < headerRow.getLastCellNum(); i++) {
+            Cell cell = headerRow.getCell(i, Row.MissingCellPolicy.RETURN_BLANK_AS_NULL);
+            if (cell == null) continue;
+            String h = normalize(formatter.formatCellValue(cell));
+            if (StringUtils.isNotBlank(h)) map.put(h, i);
+        }
+        return map;
+    }
+
+    private String cellStr(Row row, Integer col, DataFormatter formatter) {
+        Cell cell = getCell(row, col);
+        if (cell == null) return null;
+        String v = formatter.formatCellValue(cell);
+        return StringUtils.isBlank(v) ? null : v.trim();
+    }
+
+    private Cell getCell(Row row, Integer col) {
+        if (row == null || col == null) return null;
+        return row.getCell(col, Row.MissingCellPolicy.RETURN_BLANK_AS_NULL);
+    }
+
+    private BigDecimal cellDecimal(Row row, Integer col, DataFormatter formatter) {
+        String v = cellStr(row, col, formatter);
+        if (StringUtils.isBlank(v)) return BigDecimal.ZERO;
+        try { return new BigDecimal(v.replace(",", "").trim()); }
+        catch (NumberFormatException e) { return BigDecimal.ZERO; }
+    }
+
+    private Date parsePayTime(Cell cell, DataFormatter formatter) {
+        if (cell == null) return null;
+        if (cell.getCellType() == CellType.NUMERIC) return DateUtil.getJavaDate(cell.getNumericCellValue());
+        if (cell.getCellType() == CellType.FORMULA
+                && cell.getCachedFormulaResultType() == CellType.NUMERIC)
+            return DateUtil.getJavaDate(cell.getNumericCellValue());
+        String v = formatter.formatCellValue(cell).trim();
+        if (StringUtils.isBlank(v)) return null;
+        Date d = DateUtils.parseDate(v);
+        if (d != null) return d;
+        try { return DateUtil.getJavaDate(Double.parseDouble(v)); }
+        catch (Exception e) { return null; }
+    }
+
+    private boolean isRowEmpty(Row row) {
+        for (int i = row.getFirstCellNum(); i < row.getLastCellNum(); i++) {
+            Cell c = row.getCell(i, Row.MissingCellPolicy.RETURN_BLANK_AS_NULL);
+            if (c != null && c.getCellType() != CellType.BLANK) return false;
+        }
+        return true;
+    }
+
+    private String normalize(String s) {
+        return s == null ? "" : s.replace(" ", "").trim();
+    }
+
+    private boolean isSameAmount(BigDecimal a, BigDecimal b) {
+        if (a == null && b == null) return true;
+        if (a == null || b == null) return false;
+        return a.compareTo(b) == 0;
+    }
+
+    private BigDecimal nvl(BigDecimal v) {
+        return v == null ? BigDecimal.ZERO : v;
+    }
+
+    private BigDecimal nvl(String v) {
+        if (StringUtils.isBlank(v)) return BigDecimal.ZERO;
+        try { return new BigDecimal(v.replace(",", "").trim()); }
+        catch (Exception e) { return BigDecimal.ZERO; }
+    }
+}