diff --git a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java
index 1471f4b03..bfe410c4f 100644
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java
@@ -24,6 +24,8 @@ import org.springframework.beans.BeanUtils;
 import org.springframework.beans.factory.annotation.Autowired;
 import org.springframework.beans.factory.annotation.Value;
 import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Propagation;
+import org.springframework.transaction.annotation.Transactional;
 
 import java.math.BigDecimal;
 import java.util.Map;
@@ -46,6 +48,7 @@ public class AdapayMemberService {
      * @param dto
      * @throws Exception
      */
+    @Transactional(readOnly = false, propagation = Propagation.REQUIRED)
     public void createMember(AdapayMemberInfoDTO dto) throws Exception {
         AdapayMemberInfo adapayMemberInfo = adapayMemberInfoService.selectByMerchantId(dto.getMerchantId());
         if (adapayMemberInfo != null) {
@@ -78,7 +81,55 @@ public class AdapayMemberService {
 
         dto.setAdapayMemberId(adapayMemberInfo.getMemberId());
         // 创建结算账户
-        createSettleAccount(dto);
+        // createSettleAccount(dto);
+        Map<String, Object> accountInfo = Maps.newHashMap();
+        // 银行卡号
+        accountInfo.put("card_id", dto.getCardId());
+        // 银行卡对应的户名
+        accountInfo.put("card_name", dto.getCardName());
+        // 证件号，银行账户类型为对私时，必填
+        accountInfo.put("cert_id", dto.getCertId());
+        // 证件类型，仅支持：00-身份证，银行账户类型为对私时，必填
+        accountInfo.put("cert_type", "00");
+        // 手机号
+        accountInfo.put("tel_no", dto.getTelNo());
+        // 银行编码，详见附录 银行代码，银行账户类型对公时，必填
+        accountInfo.put("bank_code", dto.getBankCode());
+        // 银行账户类型：1-对公；2-对私
+        accountInfo.put("bank_acct_type", dto.getBankAcctType());
+        // 银行账户开户银行所在省份编码 （省市编码），银行账户类型为对公时，必填
+        accountInfo.put("prov_code", dto.getAreaCode());
+        // 银行账户开户银行所在地区编码（省市编码），银行账户类型为对公时，必填
+        accountInfo.put("area_code", dto.getAreaCode());
+
+        Map<String, Object> settleCountParams = Maps.newHashMap();
+        settleCountParams.put("member_id", dto.getAdapayMemberId());
+        settleCountParams.put("app_id", ADAPAY_APP_ID);
+        // channel String Y 目前仅支持：bank_account（银行卡）
+        settleCountParams.put("channel", "bank_account");
+        settleCountParams.put("account_info", accountInfo);
+        Map<String, Object> settleCount = SettleAccount.create(settleCountParams);
+        log.info("创建汇付结算账户result:{}", settleCount);
+
+        if (settleCount == null || StringUtils.equals((String) settleCount.get("status"), "failed")) {
+            String errorMsg = settleCount == null ? "创建汇付结算账户失败" : (String) member.get("error_msg");
+            throw new BusinessException("00500001", errorMsg);
+        }
+
+        AdapaySettleAccount adapaySettleAccount = new AdapaySettleAccount();
+        adapaySettleAccount.setSettleAccountId((String) settleCount.get("id"));
+        adapaySettleAccount.setMerchantId(dto.getMerchantId());
+        adapaySettleAccount.setAdapayMemberId(dto.getAdapayMemberId());
+        adapaySettleAccount.setCardId(dto.getCardId());
+        adapaySettleAccount.setCardName(dto.getCardName());
+        adapaySettleAccount.setCertId(dto.getCertId());
+        adapaySettleAccount.setCertType("00");
+        adapaySettleAccount.setTelNo(dto.getTelNo());
+        adapaySettleAccount.setBankCode(dto.getBankCode());
+        adapaySettleAccount.setBankAcctType(dto.getBankAcctType());
+        adapaySettleAccount.setProvCode(dto.getProvCode());
+        adapaySettleAccount.setAreaCode(dto.getAreaCode());
+        adapaySettleAccountService.insertAdapaySettleAccount(adapaySettleAccount);
     }
 
     /**