diff --git a/internal/service/refund/approval_decision.go b/internal/service/refund/approval_decision.go
index 9dbd486d..5fe9fdef 100644
--- a/internal/service/refund/approval_decision.go
+++ b/internal/service/refund/approval_decision.go
@@ -113,9 +113,6 @@ func (s *Service) applyApprovedDecision(ctx context.Context, event approvalapp.T
 		if err := validateApprovedRefundAmount(approvedAmount, refund.RequestedRefundAmount, &order); err != nil {
 			return err
 		}
-		if err := s.preparePaymentRefundCredentials(ctx, tx, order.ID); err != nil {
-			return err
-		}
 		// 原路退款只登记待执行事实：退款单转入原路处理中，订单在渠道明确成功前保持已支付。
 		// 客户收款信息与退回原钱包在审批通过时即完成，订单同时置为已退款。
 		originalRoute := refund.Method == constants.RefundMethodOriginalRoute
@@ -163,6 +160,10 @@ func (s *Service) applyApprovedDecision(ctx context.Context, event approvalapp.T
 			if order.PaymentStatus != model.PaymentStatusPaid && order.PaymentStatus != model.PaymentStatusRefunded {
 				return errors.New(errors.CodeInvalidStatus, "订单状态不允许原路退款")
 			}
+			// 收款商户凭证只约束原路退款；客户收款信息与钱包退款不经渠道，不受其完整性影响。
+			if err := s.preparePaymentRefundCredentials(ctx, tx, order.ID); err != nil {
+				return err
+			}
 			if err := s.prepareChannelRefundInTx(ctx, tx, &refund, attempt); err != nil {
 				return err
 			}
diff --git a/internal/service/refund/payment_merchant.go b/internal/service/refund/payment_merchant.go
index ff2f7ef6..67c61117 100644
--- a/internal/service/refund/payment_merchant.go
+++ b/internal/service/refund/payment_merchant.go
@@ -19,6 +19,9 @@ func (s *Service) SetPaymentMerchantRuntime(runtime *merchantpayment.RuntimeLoad
 
 // preparePaymentRefundCredentials 在企微通过事务内装载并校验原路退款所需凭证。
 //
+// 仅退款方式为原路退款时调用：线上支付订单也可选客户收款信息退款（如商户号余额不足），
+// 该方式不经渠道，不能因收款商户凭证不完整被阻断。
+//
 // 钱包支付和线下支付没有收款商户凭证，直接放行。merchant_id 为空仅表示留存期内的历史
 // 线上支付，仍按 payment_config_id 读取兼容配置；绝不能按当前商户池推断历史商户。
 func (s *Service) preparePaymentRefundCredentials(ctx context.Context, tx *gorm.DB, orderID uint) error {
diff --git a/internal/service/refund/service.go b/internal/service/refund/service.go
index b98970a4..789906bc 100644
--- a/internal/service/refund/service.go
+++ b/internal/service/refund/service.go
@@ -449,8 +449,10 @@ func (s *Service) Approve(ctx context.Context, id uint, req *dto.ApproveRefundRe
 		if orderResult.RowsAffected == 0 {
 			return errors.New(errors.CodeInvalidStatus, "订单状态已变更，无法执行退款审批")
 		}
-		if err := s.preparePaymentRefundCredentials(ctx, tx, order.ID); err != nil {
-			return err
+		if refund.Method == constants.RefundMethodOriginalRoute {
+			if err := s.preparePaymentRefundCredentials(ctx, tx, order.ID); err != nil {
+				return err
+			}
 		}
 
 		if err := s.refundWalletPayment(ctx, tx, refund, order, approvedAmount, userID); err != nil {