diff --git a/jsowell-admin/src/test/java/PaymentTestController.java b/jsowell-admin/src/test/java/PaymentTestController.java
index b2b7bab8f..fcb20198d 100644
--- a/jsowell-admin/src/test/java/PaymentTestController.java
+++ b/jsowell-admin/src/test/java/PaymentTestController.java
@@ -156,7 +156,7 @@ public class PaymentTestController {
      */
     @Test
     public void processUnsplitRecordToDefaultMemberTest() {
-        adapayUnsplitRecordHandleService.processUnsplitRecordToDefaultMember(wechatAppId1, 20);
+        adapayUnsplitRecordHandleService.processUnsplitRecordToDefaultMember(wechatAppId1, 2000);
     }
 
     /**
diff --git a/jsowell-quartz/src/main/java/com/jsowell/quartz/service/impl/AdapayUnsplitRecordHandleServiceImpl.java b/jsowell-quartz/src/main/java/com/jsowell/quartz/service/impl/AdapayUnsplitRecordHandleServiceImpl.java
index 23c6cbba5..8890376c5 100644
--- a/jsowell-quartz/src/main/java/com/jsowell/quartz/service/impl/AdapayUnsplitRecordHandleServiceImpl.java
+++ b/jsowell-quartz/src/main/java/com/jsowell/quartz/service/impl/AdapayUnsplitRecordHandleServiceImpl.java
@@ -925,7 +925,6 @@ public class AdapayUnsplitRecordHandleServiceImpl implements AdapayUnsplitRecord
     private boolean ensureRefundBeforeSplit(AdapayUnsplitRecordVO item, String wechatAppId) {
         String orderCode = item.getOrderCode();
         String paymentId = item.getPaymentId();
-        // VO 中 refundAmount 来源于 adapay_unsplit_record.due_refund_amount，表示分账前必须完成的应退款金额。
         BigDecimal dueRefundAmount = parseAmount(item.getRefundAmount());
         if (dueRefundAmount.compareTo(BigDecimal.ZERO) <= 0) {
             return true;
@@ -938,19 +937,30 @@ public class AdapayUnsplitRecordHandleServiceImpl implements AdapayUnsplitRecord
             return false;
         }
 
-        // 先只统计成功退款金额；成功退款已足额时才允许继续后续分账。
-        BigDecimal refundedAmount = getRefundedAmount(orderBasicInfo, false);
+        // 以订单表最新退款金额为准，避免 VO 中的旧值导致误判
+        BigDecimal freshDueRefund = defaultAmount(orderBasicInfo.getRefundAmount());
+        if (!isSameAmount(dueRefundAmount, freshDueRefund)) {
+            dueRefundAmount = freshDueRefund;
+            AdapayUnsplitRecord syncRecord = buildUpdateRecordByPaymentId(paymentId);
+            syncRecord.setDueRefundAmount(freshDueRefund);
+            adapayUnsplitRecordService.insertOrUpdateSelective(syncRecord);
+        }
+
+        // 从汇付 API 查询实际退款状态，避免本地回调延迟导致数据滞后
+        RefundAmountResult refundResult = queryRefundAmountFromAdapay(paymentId, wechatAppId);
+        BigDecimal refundedAmount = refundResult.refundedAmount;
+        BigDecimal acceptedRefundAmount = refundResult.acceptedRefundAmount;
+
         updateRefundAmount(paymentId, refundedAmount);
         if (refundedAmount.compareTo(dueRefundAmount) >= 0) {
             markRefundResult(paymentId, HANDLE_FLAG_SUCCESS);
             return true;
         }
 
-        // 再统计已受理退款金额（成功 + 处理中），避免处理中退款未回调时重复发起退款。
-        BigDecimal acceptedRefundAmount = getRefundedAmount(orderBasicInfo, true);
+        // 已受理退款已足额，等待退款完成
         if (acceptedRefundAmount.compareTo(dueRefundAmount) >= 0) {
             markRefundResult(paymentId, HANDLE_FLAG_PROCESSING);
-            return waitRefundFullySucceeded(orderBasicInfo, paymentId, dueRefundAmount);
+            return waitRefundFullySucceeded(orderBasicInfo, paymentId, dueRefundAmount, wechatAppId);
         }
 
         // 已受理退款仍不足时，只补发差额退款；补发后等待成功退款金额达到应退款金额。
@@ -966,7 +976,7 @@ public class AdapayUnsplitRecordHandleServiceImpl implements AdapayUnsplitRecord
             markRefundResult(paymentId, HANDLE_FLAG_PROCESSING);
             log.info("未分账数据先执行退款, paymentId:{}, orderCode:{}, dueRefundAmount:{}, refundedAmount:{}, refundAmount:{}",
                     paymentId, orderCode, dueRefundAmount, acceptedRefundAmount, refundAmount);
-            return waitRefundFullySucceeded(orderBasicInfo, paymentId, dueRefundAmount);
+            return waitRefundFullySucceeded(orderBasicInfo, paymentId, dueRefundAmount, wechatAppId);
         } catch (Exception e) {
             markRefundResult(paymentId, HANDLE_FLAG_FAILED);
             log.error("未分账数据执行退款失败, paymentId:{}, orderCode:{}, dueRefundAmount:{}, refundedAmount:{}, refundAmount:{}",
@@ -975,7 +985,8 @@ public class AdapayUnsplitRecordHandleServiceImpl implements AdapayUnsplitRecord
         return false;
     }
 
-    private boolean waitRefundFullySucceeded(OrderBasicInfo orderBasicInfo, String paymentId, BigDecimal dueRefundAmount) {
+    private boolean waitRefundFullySucceeded(OrderBasicInfo orderBasicInfo, String paymentId,
+                                              BigDecimal dueRefundAmount, String wechatAppId) {
         for (int i = 1; i <= REFUND_WAIT_MAX_ATTEMPTS; i++) {
             try {
                 Thread.sleep(REFUND_WAIT_INTERVAL_MILLIS);
@@ -985,8 +996,7 @@ public class AdapayUnsplitRecordHandleServiceImpl implements AdapayUnsplitRecord
                 return false;
             }
 
-            // 这里仍然只认成功退款金额，处理中退款不满足“退款足额后再分账”的条件。
-            BigDecimal refundedAmount = getRefundedAmount(orderBasicInfo, false);
+            BigDecimal refundedAmount = queryRefundAmountFromAdapay(paymentId, wechatAppId).refundedAmount;
             updateRefundAmount(paymentId, refundedAmount);
             if (refundedAmount.compareTo(dueRefundAmount) >= 0) {
                 markRefundResult(paymentId, HANDLE_FLAG_SUCCESS);