diff --git a/backend/cmd/server/VERSION b/backend/cmd/server/VERSION
index e534f2aacd..9a65da79f8 100644
--- a/backend/cmd/server/VERSION
+++ b/backend/cmd/server/VERSION
@@ -1 +1 @@
-0.1.108.140
+0.1.108.141
diff --git a/frontend/src/api/admin/payment.ts b/frontend/src/api/admin/payment.ts
index a539e6d448..946c91b07e 100644
--- a/frontend/src/api/admin/payment.ts
+++ b/frontend/src/api/admin/payment.ts
@@ -102,7 +102,7 @@ export const adminPaymentAPI = {
   },
 
   /** Process a refund */
-  refundOrder(id: number, data: { amount: number; reason: string; deduct_balance?: boolean }) {
+  refundOrder(id: number, data: { amount: number; reason: string; deduct_balance?: boolean; force?: boolean }) {
     return apiClient.post(`/admin/payment/orders/${id}/refund`, data)
   },
 
diff --git a/frontend/src/components/admin/payment/AdminOrderDetail.vue b/frontend/src/components/admin/payment/AdminOrderDetail.vue
index 5c2e5ae7f4..b10bc76b55 100644
--- a/frontend/src/components/admin/payment/AdminOrderDetail.vue
+++ b/frontend/src/components/admin/payment/AdminOrderDetail.vue
@@ -139,7 +139,7 @@ function statusBadgeClass(status: string): string {
 }
 
 function canRefund(order: PaymentOrder): boolean {
-  return ['COMPLETED', 'PARTIALLY_REFUNDED'].includes(order.status)
+  return ['COMPLETED', 'PARTIALLY_REFUNDED', 'REFUND_REQUESTED', 'REFUND_FAILED'].includes(order.status)
 }
 
 function formatDateTime(dateStr: string): string {
diff --git a/frontend/src/components/admin/payment/AdminOrderTable.vue b/frontend/src/components/admin/payment/AdminOrderTable.vue
index 14b1f93787..61ffbfa818 100644
--- a/frontend/src/components/admin/payment/AdminOrderTable.vue
+++ b/frontend/src/components/admin/payment/AdminOrderTable.vue
@@ -199,6 +199,8 @@ const statusFilterOptions = computed(() => [
   { value: 'CANCELLED', label: t('payment.status.cancelled') },
   { value: 'FAILED', label: t('payment.status.failed') },
   { value: 'REFUNDED', label: t('payment.status.refunded') },
+  { value: 'REFUND_REQUESTED', label: t('payment.status.refund_requested') },
+  { value: 'REFUND_FAILED', label: t('payment.status.refund_failed') },
 ])
 
 const paymentTypeFilterOptions = computed(() => [
@@ -225,7 +227,7 @@ function statusBadgeClass(status: string): string {
 }
 
 function canRefund(order: PaymentOrder): boolean {
-  return ['COMPLETED', 'PARTIALLY_REFUNDED'].includes(order.status)
+  return ['COMPLETED', 'PARTIALLY_REFUNDED', 'REFUND_REQUESTED', 'REFUND_FAILED'].includes(order.status)
 }
 
 function formatDateTime(dateStr: string): string {
diff --git a/frontend/src/components/admin/payment/AdminRefundDialog.vue b/frontend/src/components/admin/payment/AdminRefundDialog.vue
index 0f78375cad..05e72befcf 100644
--- a/frontend/src/components/admin/payment/AdminRefundDialog.vue
+++ b/frontend/src/components/admin/payment/AdminRefundDialog.vue
@@ -6,6 +6,27 @@
     @close="emit('cancel')"
   >
     <form id="refund-form" @submit.prevent="handleSubmit" class="space-y-4">
+      <!-- Refund Request Info -->
+      <div
+        v-if="order?.refund_requested_at || order?.refund_request_reason"
+        class="rounded-lg border border-violet-200 bg-violet-50 p-3 dark:border-violet-800 dark:bg-violet-900/20"
+      >
+        <div class="flex items-center gap-2 text-sm font-medium text-violet-700 dark:text-violet-300">
+          <svg class="h-4 w-4" fill="none" viewBox="0 0 24 24" stroke="currentColor">
+            <path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M13 16h-1v-4h-1m1-4h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z" />
+          </svg>
+          {{ t('payment.admin.refundRequestInfo') }}
+        </div>
+        <div v-if="order?.refund_requested_at" class="mt-2 flex justify-between text-sm">
+          <span class="text-violet-600 dark:text-violet-400">{{ t('payment.admin.refundRequestedAt') }}</span>
+          <span class="text-violet-800 dark:text-violet-200">{{ formatDateTime(order.refund_requested_at) }}</span>
+        </div>
+        <div v-if="order?.refund_request_reason" class="mt-1 text-sm">
+          <span class="text-violet-600 dark:text-violet-400">{{ t('payment.admin.refundRequestReason') }}:</span>
+          <span class="ml-1 text-violet-800 dark:text-violet-200">{{ order.refund_request_reason }}</span>
+        </div>
+      </div>
+
       <!-- Order Info -->
       <div class="rounded-lg bg-gray-50 p-3 dark:bg-dark-700">
         <div class="flex justify-between text-sm">
@@ -22,6 +43,50 @@
         </div>
       </div>
 
+      <!-- Deduct Balance -->
+      <div>
+        <div class="flex items-center gap-2">
+          <input
+            id="deduct-balance"
+            v-model="form.deduct_balance"
+            type="checkbox"
+            class="h-4 w-4 rounded border-gray-300 text-primary-600 focus:ring-primary-500"
+          />
+          <label for="deduct-balance" class="text-sm text-gray-700 dark:text-gray-300">
+            {{ t('payment.admin.deductBalance') }}
+          </label>
+          <span class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.deductBalanceHint') }}</span>
+        </div>
+
+        <!-- User Balance Info (when deduct_balance is checked) -->
+        <div v-if="form.deduct_balance && userBalance != null" class="mt-3 grid grid-cols-2 gap-3">
+          <div class="rounded-lg bg-gray-50 p-3 text-sm dark:bg-dark-700">
+            <div class="text-gray-500 dark:text-gray-400">{{ t('payment.admin.userBalance') }}</div>
+            <div class="mt-1 font-semibold text-gray-900 dark:text-white">${{ userBalance.toFixed(2) }}</div>
+          </div>
+          <div class="rounded-lg bg-gray-50 p-3 text-sm dark:bg-dark-700">
+            <div class="text-gray-500 dark:text-gray-400">{{ t('payment.admin.orderAmount') }}</div>
+            <div class="mt-1 font-semibold text-gray-900 dark:text-white">${{ order?.pay_amount?.toFixed(2) }}</div>
+          </div>
+        </div>
+
+        <!-- Insufficient balance warning -->
+        <div
+          v-if="form.deduct_balance && balanceInsufficient"
+          class="mt-2 rounded-lg bg-amber-50 p-3 text-sm text-amber-700 dark:bg-amber-900/20 dark:text-amber-300"
+        >
+          {{ t('payment.admin.insufficientBalance') }}
+        </div>
+
+        <!-- No deduction info -->
+        <div
+          v-if="!form.deduct_balance"
+          class="mt-2 rounded-lg bg-blue-50 p-3 text-sm text-blue-700 dark:bg-blue-900/20 dark:text-blue-300"
+        >
+          {{ t('payment.admin.noDeduction') }}
+        </div>
+      </div>
+
       <!-- Refund Amount -->
       <div>
         <label class="input-label">{{ t('payment.admin.refundAmount') }}</label>
@@ -54,16 +119,24 @@
         ></textarea>
       </div>
 
-      <!-- Deduct Balance -->
-      <div class="flex items-center gap-2">
+      <!-- Warning -->
+      <div
+        v-if="warning"
+        class="rounded-lg bg-yellow-50 p-3 text-sm text-yellow-700 dark:bg-yellow-900/20 dark:text-yellow-300"
+      >
+        {{ warning }}
+      </div>
+
+      <!-- Force Refund -->
+      <div v-if="requireForce" class="flex items-center gap-2">
         <input
-          id="deduct-balance"
-          v-model="form.deduct_balance"
+          id="force-refund"
+          v-model="form.force"
           type="checkbox"
-          class="h-4 w-4 rounded border-gray-300 text-primary-600 focus:ring-primary-500"
+          class="h-4 w-4 rounded border-gray-300 text-red-600 focus:ring-red-500"
         />
-        <label for="deduct-balance" class="text-sm text-gray-700 dark:text-gray-300">
-          {{ t('payment.admin.deductBalance') }}
+        <label for="force-refund" class="text-sm font-medium text-red-600 dark:text-red-400">
+          {{ t('payment.admin.forceRefund') }}
         </label>
       </div>
     </form>
@@ -76,7 +149,7 @@
         <button
           type="submit"
           form="refund-form"
-          :disabled="submitting || form.amount <= 0"
+          :disabled="submitting || form.amount <= 0 || (requireForce && !form.force)"
           class="rounded-md bg-red-600 px-4 py-2 text-sm font-medium text-white hover:bg-red-700 focus:outline-none focus:ring-2 focus:ring-red-500 focus:ring-offset-2 disabled:opacity-50 dark:focus:ring-offset-dark-800"
         >
           {{ submitting ? t('common.processing') : t('payment.admin.confirmRefund') }}
@@ -98,17 +171,21 @@ const props = defineProps<{
   show: boolean
   order: PaymentOrder | null
   submitting?: boolean
+  userBalance?: number | null
+  requireForce?: boolean
+  warning?: string
 }>()
 
 const emit = defineEmits<{
-  (e: 'confirm', data: { amount: number; reason: string; deduct_balance: boolean }): void
+  (e: 'confirm', data: { amount: number; reason: string; deduct_balance: boolean; force: boolean }): void
   (e: 'cancel'): void
 }>()
 
 const form = reactive({
   amount: 0,
   reason: '',
-  deduct_balance: false,
+  deduct_balance: true,
+  force: false,
 })
 
 const maxRefundable = computed(() => {
@@ -116,16 +193,28 @@ const maxRefundable = computed(() => {
   return props.order.pay_amount - (props.order.refund_amount || 0)
 })
 
+const balanceInsufficient = computed(() => {
+  if (props.userBalance == null || !props.order) return false
+  return props.userBalance < props.order.pay_amount
+})
+
 watch(() => props.show, (val) => {
   if (val && props.order) {
     form.amount = maxRefundable.value
-    form.reason = ''
-    form.deduct_balance = false
+    form.reason = props.order.refund_request_reason || ''
+    form.deduct_balance = true
+    form.force = false
   }
 })
 
+function formatDateTime(dateStr: string): string {
+  if (!dateStr) return '-'
+  return new Date(dateStr).toLocaleString()
+}
+
 function handleSubmit() {
   if (form.amount <= 0 || form.amount > maxRefundable.value) return
+  if (props.requireForce && !form.force) return
   emit('confirm', { ...form })
 }
 </script>
diff --git a/frontend/src/i18n/locales/en.ts b/frontend/src/i18n/locales/en.ts
index 34e4826296..5da91dc484 100644
--- a/frontend/src/i18n/locales/en.ts
+++ b/frontend/src/i18n/locales/en.ts
@@ -5235,9 +5235,23 @@ export default {
       refundEnabled: 'Refund Enabled',
       alreadyRefunded: 'Already Refunded',
       deductBalance: 'Deduct Balance',
+      deductBalanceHint: 'Subtract recharged amount from user balance',
+      userBalance: 'User Balance',
+      orderAmount: 'Order Amount',
+      insufficientBalance: 'Insufficient balance — will deduct to $0',
+      noDeduction: 'Will NOT deduct user balance',
+      forceRefund: 'Force refund (ignore balance check)',
       orderCancelled: 'Order Cancelled',
       retry: 'Retry',
       retrySuccess: 'Retry successful',
+      approveRefund: 'Approve Refund',
+      retryRefund: 'Retry Refund',
+      refundRequestInfo: 'Refund Request Info',
+      refundRequestedAt: 'Requested At',
+      refundRequestedBy: 'Requested By',
+      refundRequestReason: 'Request Reason',
+      auditLogs: 'Audit Logs',
+      operator: 'Operator',
       channelName: 'Channel Name',
       channelDescription: 'Channel Description',
       createChannel: 'Create Channel',
diff --git a/frontend/src/i18n/locales/zh.ts b/frontend/src/i18n/locales/zh.ts
index 3b574ab11e..97cc08272b 100644
--- a/frontend/src/i18n/locales/zh.ts
+++ b/frontend/src/i18n/locales/zh.ts
@@ -5432,9 +5432,23 @@ export default {
       refundEnabled: '允许退款',
       alreadyRefunded: '已退款',
       deductBalance: '扣除余额',
+      deductBalanceHint: '从用户余额中扣回充值金额',
+      userBalance: '用户余额',
+      orderAmount: '订单金额',
+      insufficientBalance: '余额不足，将扣至 $0',
+      noDeduction: '将不扣除用户余额',
+      forceRefund: '强制退款（忽略余额检查）',
       orderCancelled: '订单已取消',
       retry: '重试',
       retrySuccess: '重试成功',
+      approveRefund: '批准退款',
+      retryRefund: '重试退款',
+      refundRequestInfo: '退款申请信息',
+      refundRequestedAt: '申请时间',
+      refundRequestedBy: '申请人',
+      refundRequestReason: '申请原因',
+      auditLogs: '操作日志',
+      operator: '操作人',
       channelName: '渠道名称',
       channelDescription: '渠道描述',
       createChannel: '创建渠道',
diff --git a/frontend/src/types/payment.ts b/frontend/src/types/payment.ts
index ae9cdae541..ac209ad79e 100644
--- a/frontend/src/types/payment.ts
+++ b/frontend/src/types/payment.ts
@@ -85,6 +85,9 @@ export interface PaymentOrder {
   completed_at?: string
   refund_amount: number
   refund_reason?: string
+  refund_requested_at?: string
+  refund_requested_by?: number
+  refund_request_reason?: string
   plan_id?: number
 }
 
diff --git a/frontend/src/views/admin/orders/AdminOrdersView.vue b/frontend/src/views/admin/orders/AdminOrdersView.vue
index 3a787151aa..8fead7d042 100644
--- a/frontend/src/views/admin/orders/AdminOrdersView.vue
+++ b/frontend/src/views/admin/orders/AdminOrdersView.vue
@@ -54,7 +54,23 @@
               <Icon name="refresh" size="sm" />
               <span class="text-xs">{{ t('payment.admin.retry') }}</span>
             </button>
-            <button v-if="canRefund(row)" @click="openRefundDialog(row)" class="flex flex-col items-center gap-0.5 rounded-lg p-1.5 text-gray-500 transition-colors hover:bg-red-50 hover:text-red-600 dark:hover:bg-red-900/20 dark:hover:text-red-400">
+            <!-- REFUND_REQUESTED: show requested amount badge + approve button -->
+            <template v-if="row.status === 'REFUND_REQUESTED'">
+              <span v-if="row.refund_amount" class="inline-flex items-center rounded-full bg-purple-100 px-2 py-0.5 text-xs font-medium text-purple-700 dark:bg-purple-900/30 dark:text-purple-300">
+                ${{ row.refund_amount.toFixed(2) }}
+              </span>
+              <button @click="openRefundDialog(row)" class="flex flex-col items-center gap-0.5 rounded-lg p-1.5 text-gray-500 transition-colors hover:bg-purple-50 hover:text-purple-600 dark:hover:bg-purple-900/20 dark:hover:text-purple-400">
+                <Icon name="check" size="sm" />
+                <span class="text-xs">{{ t('payment.admin.approveRefund') }}</span>
+              </button>
+            </template>
+            <!-- REFUND_FAILED: show retry refund button -->
+            <button v-else-if="row.status === 'REFUND_FAILED'" @click="openRefundDialog(row)" class="flex flex-col items-center gap-0.5 rounded-lg p-1.5 text-gray-500 transition-colors hover:bg-purple-50 hover:text-purple-600 dark:hover:bg-purple-900/20 dark:hover:text-purple-400">
+              <Icon name="refresh" size="sm" />
+              <span class="text-xs">{{ t('payment.admin.retryRefund') }}</span>
+            </button>
+            <!-- COMPLETED / PARTIALLY_REFUNDED: show refund button -->
+            <button v-else-if="row.status === 'COMPLETED' || row.status === 'PARTIALLY_REFUNDED'" @click="openRefundDialog(row)" class="flex flex-col items-center gap-0.5 rounded-lg p-1.5 text-gray-500 transition-colors hover:bg-red-50 hover:text-red-600 dark:hover:bg-red-900/20 dark:hover:text-red-400">
               <Icon name="dollar" size="sm" />
               <span class="text-xs">{{ t('payment.admin.refund') }}</span>
             </button>
@@ -80,6 +96,38 @@
           <div v-if="selectedOrder.paid_at"><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.paidAt') }}</p><p class="text-sm text-gray-700 dark:text-gray-300">{{ formatDateTime(selectedOrder.paid_at) }}</p></div>
           <div v-if="selectedOrder.refund_amount"><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.refundAmount') }}</p><p class="text-sm font-medium text-red-600 dark:text-red-400">${{ selectedOrder.refund_amount.toFixed(2) }}</p></div>
           <div v-if="selectedOrder.refund_reason" class="col-span-2"><p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.refundReason') }}</p><p class="text-sm text-gray-700 dark:text-gray-300">{{ selectedOrder.refund_reason }}</p></div>
+          <!-- Refund request info -->
+          <div v-if="selectedOrder.refund_requested_at" class="col-span-2 border-t border-gray-200 pt-3 dark:border-dark-600">
+            <p class="mb-2 text-xs font-medium text-purple-600 dark:text-purple-400">{{ t('payment.admin.refundRequestInfo') }}</p>
+            <div class="grid grid-cols-2 gap-4">
+              <div>
+                <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.refundRequestedAt') }}</p>
+                <p class="text-sm text-gray-700 dark:text-gray-300">{{ formatDateTime(selectedOrder.refund_requested_at) }}</p>
+              </div>
+              <div>
+                <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.refundRequestedBy') }}</p>
+                <p class="text-sm text-gray-700 dark:text-gray-300">#{{ selectedOrder.refund_requested_by }}</p>
+              </div>
+              <div class="col-span-2">
+                <p class="text-xs text-gray-500 dark:text-gray-400">{{ t('payment.admin.refundRequestReason') }}</p>
+                <p class="text-sm text-gray-700 dark:text-gray-300">{{ selectedOrder.refund_request_reason }}</p>
+              </div>
+            </div>
+          </div>
+        </div>
+        <!-- Audit Logs -->
+        <div v-if="orderAuditLogs.length > 0" class="border-t border-gray-200 pt-4 dark:border-dark-600">
+          <p class="mb-2 text-xs font-medium text-gray-500 dark:text-gray-400">{{ t('payment.admin.auditLogs') }}</p>
+          <div class="max-h-48 space-y-2 overflow-y-auto">
+            <div v-for="log in orderAuditLogs" :key="log.id" class="rounded-lg border border-gray-100 bg-gray-50 p-2.5 dark:border-dark-600 dark:bg-dark-800">
+              <div class="flex items-center justify-between">
+                <span class="text-xs font-medium text-gray-700 dark:text-gray-300">{{ log.action }}</span>
+                <span class="text-xs text-gray-400">{{ formatDateTime(log.created_at) }}</span>
+              </div>
+              <div v-if="log.detail" class="mt-1 break-all text-xs text-gray-500 dark:text-gray-400">{{ log.detail }}</div>
+              <div v-if="log.operator" class="mt-1 text-xs text-gray-400">{{ t('payment.admin.operator') }}: {{ log.operator }}</div>
+            </div>
+          </div>
         </div>
       </div>
     </BaseDialog>
@@ -104,6 +152,14 @@ import Select from '@/components/common/Select.vue'
 import Icon from '@/components/icons/Icon.vue'
 import AdminRefundDialog from '@/components/admin/payment/AdminRefundDialog.vue'
 
+interface AuditLog {
+  id: number
+  action: string
+  detail: string | null
+  operator: string | null
+  created_at: string
+}
+
 const { t } = useI18n()
 const appStore = useAppStore()
 
@@ -116,6 +172,7 @@ const selectedOrder = ref<PaymentOrder | null>(null)
 const showDetailDialog = ref(false)
 const showRefundDialog = ref(false)
 const refundSubmitting = ref(false)
+const orderAuditLogs = ref<AuditLog[]>([])
 
 let debounceTimer: ReturnType<typeof setTimeout> | null = null
 function debounceLoadOrders() {
@@ -150,6 +207,8 @@ const statusFilterOptions = computed(() => [
   { value: 'CANCELLED', label: t('payment.status.cancelled') },
   { value: 'FAILED', label: t('payment.status.failed') },
   { value: 'REFUNDED', label: t('payment.status.refunded') },
+  { value: 'REFUND_REQUESTED', label: t('payment.status.refund_requested') },
+  { value: 'REFUND_FAILED', label: t('payment.status.refund_failed') },
 ])
 
 const paymentTypeFilterOptions = computed(() => [
@@ -181,8 +240,21 @@ function statusBadgeClass(status: string): string {
   return m[status] || 'badge-secondary'
 }
 
-function canRefund(order: PaymentOrder): boolean { return ['COMPLETED', 'PARTIALLY_REFUNDED'].includes(order.status) }
-function showOrderDetail(order: PaymentOrder) { selectedOrder.value = order; showDetailDialog.value = true }
+function canRefund(order: PaymentOrder): boolean {
+  return ['COMPLETED', 'PARTIALLY_REFUNDED', 'REFUND_REQUESTED', 'REFUND_FAILED'].includes(order.status)
+}
+
+async function showOrderDetail(order: PaymentOrder) {
+  selectedOrder.value = order
+  orderAuditLogs.value = []
+  showDetailDialog.value = true
+  try {
+    const res = await adminPaymentAPI.getOrder(order.id)
+    const data = res.data as Record<string, unknown>
+    if (data.order) selectedOrder.value = data.order as PaymentOrder
+    orderAuditLogs.value = (data.auditLogs || data.audit_logs || []) as AuditLog[]
+  } catch (_err: unknown) { /* keep cached order data */ }
+}
 
 async function handleCancelOrder(order: PaymentOrder) {
   try { await adminPaymentAPI.cancelOrder(order.id); appStore.showSuccess(t('payment.admin.orderCancelled')); loadOrders() }
@@ -196,11 +268,11 @@ async function handleRetryOrder(order: PaymentOrder) {
 
 function openRefundDialog(order: PaymentOrder) { selectedOrder.value = order; showRefundDialog.value = true }
 
-async function handleRefund(data: { amount: number; reason: string; deduct_balance: boolean }) {
+async function handleRefund(data: { amount: number; reason: string; deduct_balance: boolean; force: boolean }) {
   if (!selectedOrder.value) return
   refundSubmitting.value = true
   try {
-    await adminPaymentAPI.refundOrder(selectedOrder.value.id, { amount: data.amount, reason: data.reason, deduct_balance: data.deduct_balance })
+    await adminPaymentAPI.refundOrder(selectedOrder.value.id, { amount: data.amount, reason: data.reason, deduct_balance: data.deduct_balance, force: data.force })
     appStore.showSuccess(t('payment.admin.refundSuccess')); showRefundDialog.value = false; loadOrders()
   } catch (err: unknown) { appStore.showError(extractApiErrorMessage(err, t('common.error'))) }
   finally { refundSubmitting.value = false }