diff --git a/app/Models/PlatformOrder.php b/app/Models/PlatformOrder.php
index fedd461..d4853d3 100644
--- a/app/Models/PlatformOrder.php
+++ b/app/Models/PlatformOrder.php
@@ -69,7 +69,12 @@ class PlatformOrder extends Model
         $receiptCents = (int) round(((float) $this->receiptTotal()) * 100);
         $paidCents = (int) round(((float) ($this->paid_amount ?? 0)) * 100);
 
-        return abs($receiptCents - $paidCents) >= 1;
+        $tol = (float) config('saasshop.amounts.tolerance', 0.01);
+        $tolCents = (int) round($tol * 100);
+        // 以“分”为最小粒度，至少 1 分（若配置 0，则视为要求严格一致）
+        $tolCents = max(1, $tolCents);
+
+        return abs($receiptCents - $paidCents) >= $tolCents;
     }
 
     protected $fillable = [
diff --git a/config/saasshop.php b/config/saasshop.php
index 5b9a828..5288424 100644
--- a/config/saasshop.php
+++ b/config/saasshop.php
@@ -12,4 +12,11 @@ return [
         // 同步失败原因展示截断长度（用于列表/聚合展示，避免撑坏布局）。
         'sync_failed_reason_display_truncate_len' => 60,
     ],
+
+    // 金额对账相关配置（统一按分取整后做比较，避免浮点误差）。
+    'amounts' => [
+        // 允许的金额差异容差（单位：元），默认 0.01。
+        // 用于对账不一致、退款不一致等口径判断。
+        'tolerance' => 0.01,
+    ],
 ];
diff --git a/resources/views/admin/platform_orders/index.blade.php b/resources/views/admin/platform_orders/index.blade.php
index a56530b..a826918 100644
--- a/resources/views/admin/platform_orders/index.blade.php
+++ b/resources/views/admin/platform_orders/index.blade.php
@@ -227,7 +227,8 @@
         <div class="muted muted-xs">对账不一致订单：
             <a class="link" href="{{ request()->fullUrlWithQuery(['reconcile_mismatch' => '1', 'page' => null]) }}">{{ $summaryStats['reconcile_mismatch_orders'] ?? 0 }}</a>
         </div>
-        @if(abs($delta) >= 0.01)
+        @php $tol = (float) config('saasshop.amounts.tolerance', 0.01); @endphp
+        @if(abs($delta) >= $tol)
             <div class="muted text-danger mt-6">提示：差额非 0，可能存在回执金额与订单金额不一致的订单。</div>
         @endif
     </div>