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 77bf0f932..2230ff608 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
@@ -1180,19 +1180,20 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
                     .orderPaymentReady(false)
                     .paymentAmount(payRecordEvidence ? payRecordAmount : null)
                     .paymentTime(paymentTime)
-                    .reason("订单主表支付字段不完整")
+                    .reason("订单主表支付字段不完整(payStatus=" + payStatus
+                            + ", payAmount=" + orderBasicInfo.getPayAmount()
+                            + ", payTime=" + orderBasicInfo.getPayTime() + ")")
                     .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 (payRecordEvidence && !samePaymentAmount(orderPayAmount, payRecordAmount)) {
+        // payAmount 已通过回调/支付记录设置（微信/支付宝/白名单等），不应再加保险金额（避免双重计算）
+        if (payRecordEvidence && !samePaymentAmount(orderBasicInfo.getPayAmount(), payRecordAmount)) {
             return OrderPaymentCheckResult.builder()
                     .checkCompleted(true)
                     .paymentEvidenceFound(true)
                     .orderPaymentReady(false)
                     .paymentTime(paymentTime)
-                    .reason("订单支付明细与订单主表支付金额不一致")
+                    .reason("订单支付明细金额(" + payRecordAmount
+                            + ")与订单主表支付金额(" + orderBasicInfo.getPayAmount() + ")不一致")
                     .build();
         }
         return OrderPaymentCheckResult.builder()