diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessorNew.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessorNew.java
index 42ba805cb..09f1b9518 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessorNew.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/pay/PayProductProcessorNew.java
@@ -133,6 +133,9 @@ public class PayProductProcessorNew {
     // 是否只用了赠送金
     private boolean justPayGift = false;
 
+    // 最终存储的支付方式，通过实际支付做二进制部位，例如有可能选择了现金+赠送金但是只用了赠送金，就只补赠送金位
+    private int payMethod;
+
     public PayProductProcessorNew(ProductsDO productsDO, ProductsDetailDO productsDetailDO, PurchaseRecordDO orgInitialPurchaseRecord, PreviouProductDelayRespVO previouProductDelayRespVO,
                                   OrganAmountDO organAmountDO, Long organId, ChenfengPayConfig payConfig, MybatisIdProperties mybatisIdProperties, SnowflakeSerialNoWorker3rd snowflakeSerialNoWorker3rd) {
         this.productsDO = productsDO;
@@ -228,6 +231,11 @@ public class PayProductProcessorNew {
         // 更新余额
         organAmountDO.setAmount(organAmountDO.getAmount());
         organAmountDO.setGiftAmount(gift.subtract(usedGift));
+
+        // 有效扣除累加payMethod
+        if (usedGift.compareTo(BigDecimal.ZERO) > 0) {
+            payMethod |= PayProductChannelCodeEnumNew.GIFT.getCode();
+        }
     }
 
     /**
@@ -242,6 +250,11 @@ public class PayProductProcessorNew {
         // 更新余额
         organAmountDO.setAmount(balance.subtract(usedBalance));
         organAmountDO.setGiftAmount(organAmountDO.getGiftAmount());
+
+        // 有效扣除累加payMethod
+        if (usedBalance.compareTo(BigDecimal.ZERO) > 0) {
+            payMethod |= PayProductChannelCodeEnumNew.BALANCE.getCode();
+        }
     }
 
     /**
@@ -274,7 +287,7 @@ public class PayProductProcessorNew {
                 .purchaseDurationUnit(productsDetailDO.getDurationUnit())
                 .startTime(startTime)
                 .endTime(endTime)
-                .paymentMethod(payType)
+                .paymentMethod(payMethod)
                 .totalAmount(productPrice)
                 .originalAmount(originalPrice)
                 .monthAverageAmount(monthAverageAmount)
@@ -293,8 +306,14 @@ public class PayProductProcessorNew {
             payOrderDO.setPurchaseId(purchaseId);
             if (PayProductChannelCodeEnumNew.hasAlipay(payType)) {
                 payOrderDO.setChannelCode(PayChannelCodeEnum.ALIPAY_PC);
+                // 有效扣除累加payMethod
+                payMethod |= PayProductChannelCodeEnumNew.ALIPAY.getCode();
+                purchaseRecordDO.setPaymentMethod(payMethod);
             } else if (PayProductChannelCodeEnumNew.hasWechat(payType)) {
                 payOrderDO.setChannelCode(PayChannelCodeEnum.WECHAT_NATIVE);
+                // 有效扣除累加payMethod
+                payMethod |= PayProductChannelCodeEnumNew.WECHAT.getCode();
+                purchaseRecordDO.setPaymentMethod(payMethod);
             }
 
             // 记录第三方支付金额
@@ -303,6 +322,7 @@ public class PayProductProcessorNew {
             purchaseRecordDO.setStatus(PurchaseRecordStatusEnum.PENDING.getStatus());
             // 更新为不可开票，等异步回调后修改为可开票
             purchaseRecordDO.setIsInvocing(null);
+
         } else {
             BigDecimal amount = organAmountDO.getAmount();
             BigDecimal giftAmount = organAmountDO.getGiftAmount();