diff --git a/YD_Event.Application/Event/UnifiedRegistrationService.cs b/YD_Event.Application/Event/UnifiedRegistrationService.cs
index 52455a3..c704352 100644
--- a/YD_Event.Application/Event/UnifiedRegistrationService.cs
+++ b/YD_Event.Application/Event/UnifiedRegistrationService.cs
@@ -2719,12 +2719,20 @@ public class UnifiedRegistrationService : ITransient
     /// <param name="eventStartTime">赛事开始时间</param>
     /// <returns>应退金额</returns>
     [NonAction]
+    private decimal RoundUpToTwoDecimalPlaces(decimal amount)
+    {
+        // 原理：将金额乘100转成整数，用Math.Ceiling向上取整，再除100
+        // 例如：0.125 * 100 = 12.5 → Ceiling后=13 → 13/100=0.13
+        // 例如：0.124 * 100 = 12.4 → Ceiling后=13 → 13/100=0.13
+        var roundedAmount = Math.Ceiling(amount * 100) / 100;
+        return roundedAmount;
+    }
+
     public async Task<decimal> CalculateRefundAmountAsync(decimal totalAmount, DateTime eventStartTime)
     {
         var refundAmount = await _refundConfigService.CalculateRefundAmount(totalAmount, eventStartTime);
-        _logger.LogInformation("统一退款金额计算：总金额={TotalAmount}, 赛事开始时间={EventStartTime}, 计算后退款金额={RefundAmount}", 
-            totalAmount, eventStartTime, refundAmount);
-        return refundAmount;
+        var roundedRefundAmount = RoundUpToTwoDecimalPlaces(refundAmount);
+        return roundedRefundAmount;
     }
 
     /// <summary>
@@ -3358,9 +3366,9 @@ public class UnifiedRegistrationService : ITransient
         // 先计算按原价应该退多少
         decimal originalRefundAmount = await CalculateActualRefundAmountAsync(input, registration, eventInfo, items, persons);
         
-        // 然后按比例计算实际退款金额（考虑优惠券折扣）
+        // 按比例计算实际退款金额
         decimal actualRefundAmount = originalAmount > 0 ? originalRefundAmount * (actualPaidAmount / originalAmount) : 0;
-        // 确保退款金额不超过实际支付金额
+        actualRefundAmount = RoundUpToTwoDecimalPlaces(actualRefundAmount);
         actualRefundAmount = Math.Min(actualRefundAmount, actualPaidAmount);
         
         _logger.LogInformation("统一退款金额计算：报名ID={RegistrationId}, 原价={OriginalAmount}, 实付={ActualPaidAmount}, 按原价应退={OriginalRefundAmount}, 实际退款={ActualRefundAmount}",