diff --git a/jsowell-admin/src/main/java/com/jsowell/service/OrderService.java b/jsowell-admin/src/main/java/com/jsowell/service/OrderService.java
index 3a889dba1..dc8a25c9f 100644
--- a/jsowell-admin/src/main/java/com/jsowell/service/OrderService.java
+++ b/jsowell-admin/src/main/java/com/jsowell/service/OrderService.java
@@ -1299,19 +1299,13 @@ public class OrderService {
                 }
             }, executor);
 
-            // 初始化充电金额
-            BigDecimal chargeAmount = amount;
+            // 支付订单成功
             OrderBasicInfo orderBasicInfo = orderBasicInfoService.getOrderInfoByOrderCode(orderCode);
             BigDecimal insuranceAmount = orderBasicInfo.getInsuranceAmount();
-            if (insuranceAmount.compareTo(BigDecimal.ZERO) > 0) {
-                // 如果用户支付了保险金额，则充电金额需将保险金额减去
-                chargeAmount = amount.subtract(insuranceAmount).setScale(2, RoundingMode.HALF_UP);
-            }
-            // 支付订单成功
             PayOrderSuccessCallbackDTO callbackDTO = PayOrderSuccessCallbackDTO.builder()
                     .orderCode(orderCode)
-                    .payAmount(chargeAmount) // amount
-                    // .payMode(OrderPayModeEnum.PAYMENT_OF_WECHATPAY.getValue())
+                    .payAmount(amount) // 完整支付金额（含保险），与 order_pay_record 汇总一致
+                    .insuranceAmount(insuranceAmount) // 保险金额，回调中用于计算下发桩的充电金额
                     .payMode(payModel)
                     .acquirer(AcquirerEnum.ADAPAY.getValue())
                     .build();
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 2230ff608..4886cdd3e 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
@@ -5406,8 +5406,12 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
                 return;
             }
 
-            // 获取启动金额
-            BigDecimal chargeAmount = computeChargeAmount(orderInfo.getMerchantId(), orderInfo.getStationId(), orderInfo.getMemberId(), dto.getPayAmount());
+            // 获取启动金额：保险金额不计入下发桩的充电额度
+            BigDecimal payAmountForPile = dto.getPayAmount();
+            if (dto.getInsuranceAmount() != null && dto.getInsuranceAmount().compareTo(BigDecimal.ZERO) > 0) {
+                payAmountForPile = dto.getPayAmount().subtract(dto.getInsuranceAmount());
+            }
+            BigDecimal chargeAmount = computeChargeAmount(orderInfo.getMerchantId(), orderInfo.getStationId(), orderInfo.getMemberId(), payAmountForPile);
 
             // 发送启动指令
             if (StringUtils.equals(pileConnectorDetailVO.getChargePortType(), Constants.THREE)) {