diff --git a/internal/handler/app/client_wallet.go b/internal/handler/app/client_wallet.go
index 7676764..ed12acd 100644
--- a/internal/handler/app/client_wallet.go
+++ b/internal/handler/app/client_wallet.go
@@ -285,6 +285,27 @@ func (h *ClientWalletHandler) CreateRecharge(c *fiber.Ctx) error {
 	}
 
 	rechargeNo := generateClientRechargeNo()
+
+	// 先初始化微信支付实例并创建预支付订单，确认支付通道可用
+	// 避免先写入充值记录后支付初始化失败，导致产生孤儿记录
+	cache := wechat.NewRedisCache(h.redis)
+	paymentApp, err := wechat.NewPaymentAppFromConfig(config, appID, cache, h.logger)
+	if err != nil {
+		return errors.Wrap(errors.CodeWechatPayFailed, err, "初始化微信支付实例失败")
+	}
+	paymentService := wechat.NewPaymentService(paymentApp, h.logger)
+	payResult, err := paymentService.CreateJSAPIOrder(
+		resolved.SkipPermissionCtx,
+		rechargeNo,
+		"资产钱包充值",
+		openID,
+		int(req.Amount),
+	)
+	if err != nil {
+		return err
+	}
+
+	// 支付通道确认可用后，再创建充值记录
 	recharge := &model.AssetRechargeRecord{
 		UserID:          resolved.CustomerID,
 		AssetWalletID:   wallet.ID,
@@ -304,23 +325,6 @@ func (h *ClientWalletHandler) CreateRecharge(c *fiber.Ctx) error {
 		return errors.Wrap(errors.CodeDatabaseError, err, "创建充值记录失败")
 	}
 
-	cache := wechat.NewRedisCache(h.redis)
-	paymentApp, err := wechat.NewPaymentAppFromConfig(config, appID, cache, h.logger)
-	if err != nil {
-		return errors.Wrap(errors.CodeWechatPayFailed, err, "初始化微信支付实例失败")
-	}
-	paymentService := wechat.NewPaymentService(paymentApp, h.logger)
-	payResult, err := paymentService.CreateJSAPIOrder(
-		resolved.SkipPermissionCtx,
-		recharge.RechargeNo,
-		"资产钱包充值",
-		openID,
-		int(req.Amount),
-	)
-	if err != nil {
-		return err
-	}
-
 	payConfig := buildClientRechargePayConfig(appID, payResult)
 	resp := &dto.ClientRechargeResponse{
 		Recharge: dto.ClientRechargeResult{