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 7065b4c1e..6b48c614e 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
@@ -806,21 +806,43 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
             }
         }
 
-        // 退保险
-        ApplyRefundDTO applyRefundDTO = new ApplyRefundDTO();
-        applyRefundDTO.setOrderCode(orderBasicInfo.getOrderCode());
-        applyRefundDTO.setRefundType(Constants.ONE);
-        applyRefundDTO.setRefundAmount(insuranceAmount);
-        applyRefundDTO.setMemberId(orderBasicInfo.getMemberId());
-        applyRefundDTO.setScenarioType(ScenarioEnum.INSURANCE.getValue());
-
-        // 汇付退款需要一级运营商的小程序appId, 否则会退款失败
-        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(orderBasicInfo.getMerchantId());
-        if (StringUtils.isNotBlank(wechatAppId)) {
-            applyRefundDTO.setWechatAppId(wechatAppId);
+        // 判断订单的支付方式
+        String payMode = orderBasicInfo.getPayMode();
+        if (StringUtils.equals(payMode, OrderPayModeEnum.PAYMENT_OF_PRINCIPAL_BALANCE.getValue())) {
+            BigDecimal returnPrincipal = BigDecimal.ZERO;
+            BigDecimal returnGift = BigDecimal.ZERO;
+            // 余额支付
+            UpdateMemberBalanceDTO updateMemberBalanceDTO = UpdateMemberBalanceDTO.builder()
+                    .memberId(orderBasicInfo.getMemberId())
+                    .targetMerchantId(orderBasicInfo.getMerchantId())
+                    .type(MemberWalletEnum.TYPE_IN.getValue()) // 进账
+                    .subType(MemberWalletEnum.SUBTYPE_ORDER_SETTLEMENT_REFUND.getValue()) // 订单结算退款
+                    .updatePrincipalBalance(orderBasicInfo.getInsuranceAmount())
+                    .updateGiftBalance(returnGift)
+                    .relatedOrderCode(orderBasicInfo.getOrderCode())
+                    .build();
+            // 更新会员钱包/余额退回到钱包
+            memberBasicInfoService.updateMemberBalance(updateMemberBalanceDTO);
+        } else if (StringUtils.equals(payMode, OrderPayModeEnum.PAYMENT_OF_WECHATPAY.getValue())
+                || StringUtils.equals(payMode, OrderPayModeEnum.PAYMENT_OF_ALIPAY.getValue())) {
+            // 在线支付
+            // 退保险
+            ApplyRefundDTO applyRefundDTO = new ApplyRefundDTO();
+            applyRefundDTO.setOrderCode(orderBasicInfo.getOrderCode());
+            applyRefundDTO.setRefundType(Constants.ONE);
+            applyRefundDTO.setRefundAmount(insuranceAmount);
+            applyRefundDTO.setMemberId(orderBasicInfo.getMemberId());
+            applyRefundDTO.setScenarioType(ScenarioEnum.INSURANCE.getValue());
+            // 汇付退款需要一级运营商的小程序appId, 否则会退款失败
+            String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(orderBasicInfo.getMerchantId());
+            if (StringUtils.isNotBlank(wechatAppId)) {
+                applyRefundDTO.setWechatAppId(wechatAppId);
+            }
+            this.refundOrderWithAdapay(applyRefundDTO);
+        } else {
+            // 白名单支付或者ETC支付
+            logger.debug("订单:{}使用:{}，不退保险费", orderBasicInfo.getOrderCode(), OrderPayModeEnum.getPayModeDescription(payMode));
         }
-
-        this.refundOrderWithAdapay(applyRefundDTO);
     }
 
     /**
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/AbstractProgramLogic.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/AbstractProgramLogic.java
index bf4e803bb..b867e849d 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/AbstractProgramLogic.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/AbstractProgramLogic.java
@@ -38,6 +38,7 @@ import org.springframework.beans.factory.annotation.Value;
 import javax.annotation.Resource;
 import java.math.BigDecimal;
 import java.math.RoundingMode;
+import java.util.HashMap;
 import java.util.List;
 import java.util.Map;
 import java.util.Objects;
@@ -799,6 +800,147 @@ public abstract class AbstractProgramLogic implements InitializingBean {
         return resultMap;
     }
 
+    /**
+     * 余额支付 计算需要退回的金额
+     * 【公共方法】
+     *
+     * @param principalPay   本金支付金额
+     * @param giftPay        赠送金额支付的金额
+     * @param orderAmount    订单消费金额
+     * @param discountAmount 订单折扣金额
+     * @param insuranceAmount 保险金额
+     * @return
+     */
+    protected static Map<String, BigDecimal> calculateReturnAmount(BigDecimal principalPay, BigDecimal giftPay, BigDecimal orderAmount, BigDecimal discountAmount, BigDecimal insuranceAmount) {
+        // 创建返回的Map
+        Map<String, BigDecimal> refundMap = new HashMap<>();
+
+        // 初始化所有返回值为0
+        refundMap.put("returnPrincipal", BigDecimal.ZERO);
+        refundMap.put("returnGift", BigDecimal.ZERO);
+        refundMap.put("returnPrincipalForInsurance", BigDecimal.ZERO);
+        refundMap.put("returnGiftForInsurance", BigDecimal.ZERO);
+
+        // 设置精度为2位小数
+        RoundingMode roundingMode = RoundingMode.HALF_UP;
+        int scale = 2;
+
+        // 1. 计算总支付金额和电费预付金额
+        BigDecimal totalPay = principalPay.add(giftPay).setScale(scale, roundingMode);
+        BigDecimal prepaidElectricity = totalPay.subtract(insuranceAmount).setScale(scale, roundingMode);
+
+        // 2. 计算实际电费消费金额（应用折扣）
+        BigDecimal actualConsume = orderAmount.subtract(discountAmount);
+        if (actualConsume.compareTo(BigDecimal.ZERO) < 0) {
+            actualConsume = BigDecimal.ZERO;
+        }
+        actualConsume = actualConsume.setScale(scale, roundingMode);
+
+        // 3. 计算电费应退款金额
+        BigDecimal electricityRefund = prepaidElectricity.subtract(actualConsume);
+        if (electricityRefund.compareTo(BigDecimal.ZERO) < 0) {
+            electricityRefund = BigDecimal.ZERO;
+        }
+        electricityRefund = electricityRefund.setScale(scale, roundingMode);
+
+        // 4. 判断保险是否退款（实际电费消费 < 1元时退还保险）
+        BigDecimal insuranceRefund = BigDecimal.ZERO;
+        boolean isInsuranceRefund = actualConsume.compareTo(new BigDecimal("1.00")) < 0;
+        if (isInsuranceRefund) {
+            insuranceRefund = insuranceAmount.setScale(scale, roundingMode);
+        }
+
+        // 5. 计算电费退款中本金和赠金的部分（优先使用本金，退款时优先退回赠金）
+        BigDecimal remainingElectricityRefund = electricityRefund;
+        BigDecimal principalUsedForElectricity = BigDecimal.ZERO;
+        BigDecimal giftUsedForElectricity = BigDecimal.ZERO;
+
+        // 5.1 计算本金和赠金在电费预付中的使用情况
+        if (prepaidElectricity.compareTo(BigDecimal.ZERO) > 0) {
+            // 本金优先用于支付电费，最多不超过本金总额且不超过电费预付金额
+            principalUsedForElectricity = principalPay.min(prepaidElectricity);
+            principalUsedForElectricity = principalUsedForElectricity.setScale(scale, roundingMode);
+
+            // 剩余的电费预付由赠金支付
+            giftUsedForElectricity = prepaidElectricity.subtract(principalUsedForElectricity);
+            giftUsedForElectricity = giftUsedForElectricity.setScale(scale, roundingMode);
+
+            // 5.2 分配电费退款（优先退回赠金）
+            // 先退赠金支付的部分
+            if (giftUsedForElectricity.compareTo(BigDecimal.ZERO) > 0) {
+                BigDecimal giftRefundForElectricity = remainingElectricityRefund.min(giftUsedForElectricity);
+                giftRefundForElectricity = giftRefundForElectricity.setScale(scale, roundingMode);
+                refundMap.put("returnGift", giftRefundForElectricity);
+                remainingElectricityRefund = remainingElectricityRefund.subtract(giftRefundForElectricity);
+            }
+
+            // 剩余的电费退款退回到本金
+            if (remainingElectricityRefund.compareTo(BigDecimal.ZERO) > 0) {
+                BigDecimal principalRefundForElectricity = remainingElectricityRefund.min(principalUsedForElectricity);
+                principalRefundForElectricity = principalRefundForElectricity.setScale(scale, roundingMode);
+                refundMap.put("returnPrincipal", principalRefundForElectricity);
+            }
+        }
+
+        // 6. 计算保险退款中本金和赠金的部分
+        if (insuranceRefund.compareTo(BigDecimal.ZERO) > 0) {
+            // 计算支付电费后剩余的本金和赠金
+            BigDecimal remainingPrincipalAfterElectricity = principalPay.subtract(refundMap.get("returnPrincipal"));
+            BigDecimal remainingGiftAfterElectricity = giftPay.subtract(refundMap.get("returnGift"));
+
+            // 保险支付顺序：优先使用剩余本金，不足部分用赠金
+            BigDecimal principalUsedForInsurance = remainingPrincipalAfterElectricity.min(insuranceAmount);
+            BigDecimal giftUsedForInsurance = insuranceAmount.subtract(principalUsedForInsurance);
+
+            // 保险退款（优先退回赠金部分）
+            BigDecimal remainingInsuranceRefund = insuranceRefund;
+
+            // 先退赠金支付的保险部分
+            if (giftUsedForInsurance.compareTo(BigDecimal.ZERO) > 0) {
+                BigDecimal giftRefundForInsurance = remainingInsuranceRefund.min(giftUsedForInsurance);
+                giftRefundForInsurance = giftRefundForInsurance.setScale(scale, roundingMode);
+                refundMap.put("returnGiftForInsurance", giftRefundForInsurance);
+                remainingInsuranceRefund = remainingInsuranceRefund.subtract(giftRefundForInsurance);
+            }
+
+            // 剩余的保险退款退回到本金
+            if (remainingInsuranceRefund.compareTo(BigDecimal.ZERO) > 0) {
+                BigDecimal principalRefundForInsurance = remainingInsuranceRefund.min(principalUsedForInsurance);
+                principalRefundForInsurance = principalRefundForInsurance.setScale(scale, roundingMode);
+                refundMap.put("returnPrincipalForInsurance", principalRefundForInsurance);
+            }
+        }
+
+        return refundMap;
+    }
+
+    public static void main(String[] args) {
+        BigDecimal principalPay = new BigDecimal("30");
+        BigDecimal giftPay = new BigDecimal("20");
+        BigDecimal orderAmount = new BigDecimal("0.8");
+        BigDecimal discountAmount = new BigDecimal("0");
+        BigDecimal insuranceAmount = new BigDecimal("0.0");
+        Map<String, BigDecimal> stringBigDecimalMap = calculateReturnAmount(principalPay, giftPay, orderAmount, discountAmount, insuranceAmount);
+
+        // 获取各项退款金额
+        BigDecimal returnPrincipal = stringBigDecimalMap.get("returnPrincipal");
+        BigDecimal returnGift = stringBigDecimalMap.get("returnGift");
+        BigDecimal returnPrincipalForInsurance = stringBigDecimalMap.get("returnPrincipalForInsurance");
+        BigDecimal returnGiftForInsurance = stringBigDecimalMap.get("returnGiftForInsurance");
+
+        // 计算总计
+        BigDecimal electricityRefund = returnPrincipal.add(returnGift);
+        BigDecimal insuranceRefund = returnPrincipalForInsurance.add(returnGiftForInsurance);
+        BigDecimal totalRefund = electricityRefund.add(insuranceRefund);
+        BigDecimal totalPrincipalRefund = returnPrincipal.add(returnPrincipalForInsurance);
+        BigDecimal totalGiftRefund = returnGift.add(returnGiftForInsurance);
+
+        String input = String.format("输入：本金%s元，赠金%s元，消费%s元，折扣%s元，保险%s元", principalPay, giftPay, orderAmount, discountAmount, insuranceAmount);
+        System.out.println(input);
+        String output = String.format("输出：%s元，赠金%s元，保险%s元，总退款%s元", returnPrincipal, returnGift, returnPrincipalForInsurance, returnGiftForInsurance, totalRefund);
+        System.out.println(output);
+    }
+
     /**
      * 计算解冻金额
      *