diff --git a/admin/src/views/VpayOrders.vue b/admin/src/views/VpayOrders.vue
index 14a0a37..188767b 100644
--- a/admin/src/views/VpayOrders.vue
+++ b/admin/src/views/VpayOrders.vue
@@ -153,8 +153,16 @@ 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' })
-    await apiPost(`/api/admin/vpay/orders/${refundTarget.value._id}/refund`)
-    ElMessage.success('退款成功')
+    let r
+    try {
+      r = await apiPost(`/api/admin/vpay/orders/${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）')
     refundDlg.value = false
     load(); loadStats()
   } catch (e) { if (e !== 'cancel') ElMessage.error(e.message || '退款失败') }