diff --git a/admin/src/views/VpayOrders.vue b/admin/src/views/VpayOrders.vue
index 188767b..ee601c4 100644
--- a/admin/src/views/VpayOrders.vue
+++ b/admin/src/views/VpayOrders.vue
@@ -87,11 +87,14 @@
     </template>
 
     <!-- 退款确认 -->
-    <el-dialog v-model="refundDlg" title="确认退款" width="380px">
-      <p>订单：{{ refundTarget?.orderNo }}</p>
-      <p>金额：¥{{ refundTarget?.amount }}</p>
-      <p>将扣回星尘：{{ refundTarget?.metadata?.coins || 0 }}</p>
-      <el-alert type="warning" :closable="false" title="退款后星尘将从用户余额扣除，请确认用户余额充足" style="margin-top:10px" />
+    <el-dialog v-model="refundDlg" title="确认退款" width="420px">
+      <p><b>订单：</b>{{ refundTarget?.orderNo }}</p>
+      <p><b>金额：</b>¥{{ refundTarget?.amount }}</p>
+      <p><b>将扣回星尘：</b>{{ refundCoins }}（余额不足将拒绝退款）</p>
+      <el-alert type="warning" :closable="false" style="margin-top:10px"
+        title="退款规则：余额必须足够扣回 | 支付后7天内 | 每人每月限1次" />
+      <el-alert type="info" :closable="false" style="margin-top:6px"
+        title="流程：先冻结星尘 → 调微信退款 → 成功后完成 | 微信失败自动恢复星尘" />
       <template #footer>
         <el-button @click="refundDlg = false">取消</el-button>
         <el-button type="danger" @click="doRefund">确认退款</el-button>
@@ -126,6 +129,11 @@ const stats = ref({})
 const orders = ref([]), total = ref(0), page = ref(1), pageSize = 20, q = ref(''), statusFilter = ref(''), loading = ref(false)
 const ledger = ref([]), ledgerTotal = ref(0), ledgerPage = ref(1), ledgerType = ref(''), ledgerQ = ref(''), ledgerLoading = ref(false)
 const refundDlg = ref(false), refundTarget = ref(null)
+const refundCoins = computed(() => {
+  const o = refundTarget.value
+  if (!o) return 0
+  return o.metadata?.coins || Math.round((o.amount || 0) * 100)
+})
 const adjustDlg = ref(false), adjustForm = ref({ openid: '', amount: 100, reason: '' })
 
 function fmt(t) { return t ? new Date(t).toLocaleString('zh-CN', { hour12: false }) : '—' }
@@ -153,19 +161,16 @@ function refund(row) { refundTarget.value = row; refundDlg.value = true }
 async function doRefund() {
   try {
     await ElMessageBox.confirm('退款后无法撤销，确认执行？', '最终确认', { type: 'warning' })
-    let r
-    try {
-      r = await apiPost(`/api/admin/vpay/orders/${refundTarget.value._id}/refund`)
-    } catch (e1) {
-      if (e1.message && e1.message.includes('余额不足')) {
-        await ElMessageBox.confirm(e1.message + '\n强制退款后余额将变为负数，用户下次充值时自动抵扣。', '余额不足', { type: 'warning', confirmText: '强制退款' })
-        r = await apiPost(`/api/admin/vpay/orders/${refundTarget.value._id}/refund`, { force: true })
-      } else { throw e1 }
-    }
-    ElMessage.success('退款成功（微信侧已退钱）')
+    const r = await apiPost(`/api/admin/vpay/orders/${refundTarget.value._id}/refund`)
+    ElMessage.success('退款成功（微信已退钱，星尘已扣回）')
     refundDlg.value = false
     load(); loadStats()
-  } catch (e) { if (e !== 'cancel') ElMessage.error(e.message || '退款失败') }
+  } catch (e) {
+    if (e !== 'cancel') {
+      // 风控拦截（余额不足/超期/频率限制）直接展示拒绝原因，无强制退款
+      ElMessage({ type: 'error', message: e.message || '退款失败', duration: 5000, showClose: true })
+    }
+  }
 }
 async function doAdjust() {
   try {