diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClientFactory.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClientFactory.java
index 4739deb25..03e6bb613 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClientFactory.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClientFactory.java
@@ -1,6 +1,6 @@
 package cn.iocoder.yudao.framework.pay.core.client;
 
-import cn.iocoder.yudao.framework.pay.core.client.impl.AbstractPayClient;
+import cn.iocoder.yudao.framework.pay.core.client.impl.delegate.DelegatePayClient;
 
 /**
  * 支付客户端的工厂接口
@@ -21,8 +21,18 @@ public interface PayClientFactory {
      * 创建支付客户端
      *
      * @param channelId 渠道编号
-     * @param client 支付客户端
+     * @param channelCode 渠道编码
+     * @param config 支付配置
+     */
+    <Config extends PayClientConfig> void createOrUpdatePayClient(Long channelId, String channelCode,
+                                                                  Config config);
+
+    /**
+     * 新增或更新代理支付客户端
+     * @param channelId 渠道编号
+     * @param delegatePayClient 代理支付客户端
      * @param <Config> 支付配置
      */
-    <Config extends PayClientConfig> void addOrUpdatePayClient(Long channelId, AbstractPayClient<Config> client);
+    <Config extends PayClientConfig> void addOrUpdateDelegatePayClient(Long channelId, DelegatePayClient<Config> delegatePayClient);
+
 }
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
index d66e64115..e8f898b2e 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
@@ -9,7 +9,6 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDT
 import cn.iocoder.yudao.framework.pay.core.client.dto.refund.PayRefundRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.refund.PayRefundUnifiedReqDTO;
 import cn.iocoder.yudao.framework.pay.core.client.exception.PayException;
-import lombok.Getter;
 import lombok.extern.slf4j.Slf4j;
 
 import java.util.Map;
@@ -36,7 +35,6 @@ public abstract class AbstractPayClient<Config extends PayClientConfig> implemen
     /**
      * 支付配置
      */
-    @Getter
     protected Config config;
 
     public AbstractPayClient(Long channelId, String channelCode, Config config) {
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImpl.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImpl.java
index 64114b264..eb11009d7 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImpl.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImpl.java
@@ -1,8 +1,15 @@
 package cn.iocoder.yudao.framework.pay.core.client.impl;
 
+import cn.hutool.core.lang.Assert;
 import cn.iocoder.yudao.framework.pay.core.client.PayClient;
 import cn.iocoder.yudao.framework.pay.core.client.PayClientConfig;
 import cn.iocoder.yudao.framework.pay.core.client.PayClientFactory;
+import cn.iocoder.yudao.framework.pay.core.client.impl.alipay.*;
+import cn.iocoder.yudao.framework.pay.core.client.impl.delegate.DelegatePayClient;
+import cn.iocoder.yudao.framework.pay.core.client.impl.mock.MockPayClient;
+import cn.iocoder.yudao.framework.pay.core.client.impl.mock.MockPayClientConfig;
+import cn.iocoder.yudao.framework.pay.core.client.impl.weixin.*;
+import cn.iocoder.yudao.framework.pay.core.enums.channel.PayChannelEnum;
 import lombok.extern.slf4j.Slf4j;
 
 import java.util.concurrent.ConcurrentHashMap;
@@ -33,12 +40,48 @@ public class PayClientFactoryImpl implements PayClientFactory {
 
     @Override
     @SuppressWarnings("unchecked")
-    public <Config extends PayClientConfig> void addOrUpdatePayClient(Long channelId, AbstractPayClient<Config> client) {
-        AbstractPayClient<Config> prePayClient = (AbstractPayClient<Config>) clients.putIfAbsent(channelId, client);
-        if (prePayClient == null) {
+    public <Config extends PayClientConfig> void createOrUpdatePayClient(Long channelId, String channelCode,
+                                                                         Config config) {
+        AbstractPayClient<Config> client = (AbstractPayClient<Config>) clients.get(channelId);
+        if (client == null) {
+            client = this.createPayClient(channelId, channelCode, config);
             client.init();
+            clients.put(client.getId(), client);
         } else {
-            prePayClient.refresh(client.getConfig());
+            client.refresh(config);
         }
     }
+
+    @Override
+    public <Config extends PayClientConfig> void addOrUpdateDelegatePayClient(Long channelId, DelegatePayClient<Config> delegatePayClient) {
+        clients.put(channelId, delegatePayClient);
+    }
+
+    @SuppressWarnings("unchecked")
+    private <Config extends PayClientConfig> AbstractPayClient<Config> createPayClient(
+            Long channelId, String channelCode, Config config) {
+        PayChannelEnum channelEnum = PayChannelEnum.getByCode(channelCode);
+        Assert.notNull(channelEnum, String.format("支付渠道(%s) 为空", channelEnum));
+        // 创建客户端
+        switch (channelEnum) {
+            // 微信支付
+            case WX_PUB: return (AbstractPayClient<Config>) new WxPubPayClient(channelId, (WxPayClientConfig) config);
+            case WX_LITE: return (AbstractPayClient<Config>) new WxLitePayClient(channelId, (WxPayClientConfig) config);
+            case WX_APP: return (AbstractPayClient<Config>) new WxAppPayClient(channelId, (WxPayClientConfig) config);
+            case WX_BAR: return (AbstractPayClient<Config>) new WxBarPayClient(channelId, (WxPayClientConfig) config);
+            case WX_NATIVE: return (AbstractPayClient<Config>) new WxNativePayClient(channelId, (WxPayClientConfig) config);
+            // 支付宝支付
+            case ALIPAY_WAP: return (AbstractPayClient<Config>) new AlipayWapPayClient(channelId, (AlipayPayClientConfig) config);
+            case ALIPAY_QR: return (AbstractPayClient<Config>) new AlipayQrPayClient(channelId, (AlipayPayClientConfig) config);
+            case ALIPAY_APP: return (AbstractPayClient<Config>) new AlipayAppPayClient(channelId, (AlipayPayClientConfig) config);
+            case ALIPAY_PC: return (AbstractPayClient<Config>) new AlipayPcPayClient(channelId, (AlipayPayClientConfig) config);
+            case ALIPAY_BAR: return (AbstractPayClient<Config>) new AlipayBarPayClient(channelId, (AlipayPayClientConfig) config);
+            // 其它支付
+            case MOCK: return (AbstractPayClient<Config>) new MockPayClient(channelId, (MockPayClientConfig) config);
+        }
+        // 创建失败，错误日志 + 抛出异常
+        log.error("[createPayClient][配置({}) 找不到合适的客户端实现]", config);
+        throw new IllegalArgumentException(String.format("配置(%s) 找不到合适的客户端实现", config));
+    }
+
 }
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/test/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImplIntegrationTest.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/test/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImplIntegrationTest.java
index c921d09b9..984256063 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/test/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImplIntegrationTest.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/test/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImplIntegrationTest.java
@@ -9,6 +9,7 @@ import cn.iocoder.yudao.framework.pay.core.client.impl.alipay.AlipayQrPayClient;
 import cn.iocoder.yudao.framework.pay.core.client.impl.alipay.AlipayWapPayClient;
 import cn.iocoder.yudao.framework.pay.core.client.impl.weixin.WxPayClientConfig;
 import cn.iocoder.yudao.framework.pay.core.client.impl.weixin.WxPubPayClient;
+import cn.iocoder.yudao.framework.pay.core.enums.channel.PayChannelEnum;
 import org.junit.jupiter.api.Disabled;
 import org.junit.jupiter.api.Test;
 
@@ -40,8 +41,7 @@ public class PayClientFactoryImplIntegrationTest {
         config.setMchKey("0alL64UDQdlCwiKZ73ib7ypaIjMns06p");
         // 创建客户端
         Long channelId = RandomUtil.randomLong();
-
-        payClientFactory.addOrUpdatePayClient(channelId,  new WxPubPayClient(channelId,  config));
+        payClientFactory.createOrUpdatePayClient(channelId, PayChannelEnum.WX_PUB.getCode(), config);
         PayClient client = payClientFactory.getPayClient(channelId);
         // 发起支付
         PayOrderUnifiedReqDTO reqDTO = buildPayOrderUnifiedReqDTO();
@@ -64,7 +64,7 @@ public class PayClientFactoryImplIntegrationTest {
         config.setApiV3Key("joerVi8y5DJ3o4ttA0o1uH47Xz1u2Ase");
         // 创建客户端
         Long channelId = RandomUtil.randomLong();
-        payClientFactory.addOrUpdatePayClient(channelId, new WxPubPayClient(channelId,  config));
+        payClientFactory.createOrUpdatePayClient(channelId, PayChannelEnum.WX_PUB.getCode(), config);
         PayClient client = payClientFactory.getPayClient(channelId);
         // 发起支付
         PayOrderUnifiedReqDTO reqDTO = buildPayOrderUnifiedReqDTO();
@@ -87,7 +87,7 @@ public class PayClientFactoryImplIntegrationTest {
         config.setAlipayPublicKey("MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAnq90KnF4dTnlzzmxpujbI05OYqi5WxAS6cL0gnZFv2gK51HExF8v/BaP7P979PhFMgWTqmOOI+Dtno5s+yD09XTY1WkshbLk6i4g2Xlr8fyW9ODnkU88RI2w9UdPhQU4cPPwBNlrsYhKkVK2OxwM3kFqjoBBY0CZoZCsSQ3LDH5WeZqPArlsS6xa2zqJBuuoKjMrdpELl3eXSjP8K54eDJCbeetCZNKWLL3DPahTPB7LZikfYmslb0QUvCgGapD0xkS7eVq70NaL1G57MWABs4tbfWgxike4Daj3EfUrzIVspQxj7w8HEj9WozJPgL88kSJSits0pqD3n5r8HSuseQIDAQAB");
         // 创建客户端
         Long channelId = RandomUtil.randomLong();
-        payClientFactory.addOrUpdatePayClient(channelId, new AlipayQrPayClient(channelId,  config));
+        payClientFactory.createOrUpdatePayClient(channelId, PayChannelEnum.ALIPAY_QR.getCode(), config);
         PayClient client = payClientFactory.getPayClient(channelId);
         // 发起支付
         PayOrderUnifiedReqDTO reqDTO = buildPayOrderUnifiedReqDTO();
@@ -111,7 +111,7 @@ public class PayClientFactoryImplIntegrationTest {
         config.setAlipayPublicKey("MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAnq90KnF4dTnlzzmxpujbI05OYqi5WxAS6cL0gnZFv2gK51HExF8v/BaP7P979PhFMgWTqmOOI+Dtno5s+yD09XTY1WkshbLk6i4g2Xlr8fyW9ODnkU88RI2w9UdPhQU4cPPwBNlrsYhKkVK2OxwM3kFqjoBBY0CZoZCsSQ3LDH5WeZqPArlsS6xa2zqJBuuoKjMrdpELl3eXSjP8K54eDJCbeetCZNKWLL3DPahTPB7LZikfYmslb0QUvCgGapD0xkS7eVq70NaL1G57MWABs4tbfWgxike4Daj3EfUrzIVspQxj7w8HEj9WozJPgL88kSJSits0pqD3n5r8HSuseQIDAQAB");
         // 创建客户端
         Long channelId = RandomUtil.randomLong();
-        payClientFactory.addOrUpdatePayClient(channelId, new AlipayWapPayClient(channelId, config));
+        payClientFactory.createOrUpdatePayClient(channelId, PayChannelEnum.ALIPAY_WAP.getCode(), config);
         PayClient client = payClientFactory.getPayClient(channelId);
         // 发起支付
         PayOrderUnifiedReqDTO reqDTO = buildPayOrderUnifiedReqDTO();
diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/wallet/WalletPayClient.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/wallet/WalletPayClient.java
index 08cc52654..20f66bb0f 100644
--- a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/wallet/WalletPayClient.java
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/wallet/WalletPayClient.java
@@ -5,8 +5,8 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.refund.PayRefundRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.refund.PayRefundUnifiedReqDTO;
-import cn.iocoder.yudao.framework.pay.core.client.impl.AbstractPayClient;
 import cn.iocoder.yudao.framework.pay.core.client.impl.NonePayClientConfig;
+import cn.iocoder.yudao.framework.pay.core.client.impl.delegate.DelegatePayClient;
 import cn.iocoder.yudao.module.pay.dal.dataobject.wallet.PayWalletTransactionDO;
 import cn.iocoder.yudao.module.pay.service.wallet.PayWalletService;
 import lombok.extern.slf4j.Slf4j;
@@ -21,7 +21,7 @@ import static cn.iocoder.yudao.framework.common.exception.enums.GlobalErrorCodeC
  * @author jason
  */
 @Slf4j
-public class WalletPayClient extends AbstractPayClient<NonePayClientConfig> {
+public class WalletPayClient extends DelegatePayClient<NonePayClientConfig> {
 
     private PayWalletService payWalletService;
 
diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/channel/PayChannelServiceImpl.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/channel/PayChannelServiceImpl.java
index 3504b98cd..d29ad973f 100644
--- a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/channel/PayChannelServiceImpl.java
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/channel/PayChannelServiceImpl.java
@@ -6,14 +6,9 @@ import cn.hutool.core.util.ObjectUtil;
 import cn.iocoder.yudao.framework.common.enums.CommonStatusEnum;
 import cn.iocoder.yudao.framework.common.util.collection.CollectionUtils;
 import cn.iocoder.yudao.framework.common.util.json.JsonUtils;
+import cn.iocoder.yudao.framework.pay.core.client.impl.NonePayClientConfig;
 import cn.iocoder.yudao.framework.pay.core.client.PayClientConfig;
 import cn.iocoder.yudao.framework.pay.core.client.PayClientFactory;
-import cn.iocoder.yudao.framework.pay.core.client.impl.AbstractPayClient;
-import cn.iocoder.yudao.framework.pay.core.client.impl.NonePayClientConfig;
-import cn.iocoder.yudao.framework.pay.core.client.impl.alipay.*;
-import cn.iocoder.yudao.framework.pay.core.client.impl.mock.MockPayClient;
-import cn.iocoder.yudao.framework.pay.core.client.impl.mock.MockPayClientConfig;
-import cn.iocoder.yudao.framework.pay.core.client.impl.weixin.*;
 import cn.iocoder.yudao.framework.pay.core.enums.channel.PayChannelEnum;
 import cn.iocoder.yudao.framework.tenant.core.util.TenantUtils;
 import cn.iocoder.yudao.module.pay.controller.admin.channel.vo.PayChannelCreateReqVO;
@@ -34,6 +29,7 @@ import javax.annotation.PostConstruct;
 import javax.annotation.Resource;
 import javax.validation.Validator;
 import java.time.LocalDateTime;
+import java.util.ArrayList;
 import java.util.Collection;
 import java.util.Collections;
 import java.util.List;
@@ -85,55 +81,29 @@ public class PayChannelServiceImpl implements PayChannelService {
                 log.error("[支付模块 yudao-module-pay - 表结构未导入][参考 https://doc.iocoder.cn/pay/build/ 开启]");
             }
             log.info("[initLocalCache][缓存支付渠道，数量为:{}]", channels.size());
+            // 钱包 client 需要和其它 client 分开了创建
+            List<PayChannelDO> walletChannels = new ArrayList<>();
+            // TODO @jason：有点复杂，看看用 PayClientInitializer 能不能简化
+            List<PayChannelDO> otherChannels = new ArrayList<>();
+            channels.forEach(t -> {
+                if (PayChannelEnum.WALLET.getCode().equals(t.getCode())) {
+                    walletChannels.add(t);
+                } else {
+                    otherChannels.add(t);
+                }
+            });
             // 第二步：构建缓存：创建或更新支付 Client
-            channels.forEach(payChannel ->{
-                AbstractPayClient<PayClientConfig> payClient = createPayClient(payChannel.getId(), payChannel.getCode(), payChannel.getConfig());
-                payClientFactory.addOrUpdatePayClient(payChannel.getId(), payClient);
+            otherChannels.forEach(payChannel -> payClientFactory.createOrUpdatePayClient(payChannel.getId(),
+                    payChannel.getCode(), payChannel.getConfig()));
 
+            walletChannels.forEach(payChannel -> {
+                WalletPayClient walletPayClient = new WalletPayClient(payChannel.getId(), payChannel.getCode(),
+                        (NonePayClientConfig) payChannel.getConfig(), payWalletService);
+                payClientFactory.addOrUpdateDelegatePayClient(payChannel.getId(), walletPayClient);
             });
             this.channelCache = channels;
         });
     }
-    @SuppressWarnings("unchecked")
-    private <Config extends PayClientConfig> AbstractPayClient<Config> createPayClient(
-            Long channelId, String channelCode, Config config) {
-        PayChannelEnum channelEnum = PayChannelEnum.getByCode(channelCode);
-        Assert.notNull(channelEnum, String.format("支付渠道(%s) 为空", channelEnum));
-        // 创建客户端
-        switch (channelEnum) {
-            // 微信支付
-            case WX_PUB:
-                return (AbstractPayClient<Config>) new WxPubPayClient(channelId, (WxPayClientConfig) config);
-            case WX_LITE:
-                return (AbstractPayClient<Config>) new WxLitePayClient(channelId, (WxPayClientConfig) config);
-            case WX_APP:
-                return (AbstractPayClient<Config>) new WxAppPayClient(channelId, (WxPayClientConfig) config);
-            case WX_BAR:
-                return (AbstractPayClient<Config>) new WxBarPayClient(channelId, (WxPayClientConfig) config);
-            case WX_NATIVE:
-                return (AbstractPayClient<Config>) new WxNativePayClient(channelId, (WxPayClientConfig) config);
-            // 支付宝支付
-            case ALIPAY_WAP:
-                return (AbstractPayClient<Config>) new AlipayWapPayClient(channelId, (AlipayPayClientConfig) config);
-            case ALIPAY_QR:
-                return (AbstractPayClient<Config>) new AlipayQrPayClient(channelId, (AlipayPayClientConfig) config);
-            case ALIPAY_APP:
-                return (AbstractPayClient<Config>) new AlipayAppPayClient(channelId, (AlipayPayClientConfig) config);
-            case ALIPAY_PC:
-                return (AbstractPayClient<Config>) new AlipayPcPayClient(channelId, (AlipayPayClientConfig) config);
-            case ALIPAY_BAR:
-                return (AbstractPayClient<Config>) new AlipayBarPayClient(channelId, (AlipayPayClientConfig) config);
-            // 其它支付
-            case MOCK:
-                return (AbstractPayClient<Config>) new MockPayClient(channelId, (MockPayClientConfig) config);
-            case WALLET:
-                return (AbstractPayClient<Config>) new WalletPayClient(
-                        channelId, channelCode, (NonePayClientConfig) config, payWalletService);
-        }
-        // 创建失败，错误日志 + 抛出异常
-        log.error("[createPayClient][配置({}) 找不到合适的客户端实现]", config);
-        throw new IllegalArgumentException(String.format("配置(%s) 找不到合适的客户端实现", config));
-    }
 
     /**
      * 通过定时任务轮询，刷新缓存