diff --git a/app/Database/dbmsv4_test1.sql b/app/Database/dbmsv4_test1.sql
index 64e1a66..50f0bc6 100644
--- a/app/Database/dbmsv4_test1.sql
+++ b/app/Database/dbmsv4_test1.sql
@@ -774,4 +774,4 @@ UNLOCK TABLES;
 /*!40101 SET COLLATION_CONNECTION=@OLD_COLLATION_CONNECTION */;
 /*!40111 SET SQL_NOTES=@OLD_SQL_NOTES */;
 
--- Dump completed on 2025-12-10 18:15:34
+-- Dump completed on 2025-12-11 13:04:30
diff --git a/app/Services/Customer/Wallet/AccountService.php b/app/Services/Customer/Wallet/AccountService.php
index c6267cc..1cb014c 100644
--- a/app/Services/Customer/Wallet/AccountService.php
+++ b/app/Services/Customer/Wallet/AccountService.php
@@ -134,25 +134,26 @@ class AccountService extends WalletService
         $this->model->orLike($this->model->getTable() . '.alias', $word, 'both');
         parent::setSearchWord($word);
     }
+
     //결제 관련 출금 처리
-    protected function withdrawalByPayment_process(ClientEntity $clientEntity, PaymentEntity $paymentEntity, array $formDatas): array
+    protected function withdrawal_process(ClientEntity $clientEntity, array $formDatas): array
     {
-        $amount = $paymentEntity->getAmount();
-        $balance = $clientEntity->getAccountBalance();
-        if ($balance < $amount) {
+        if (!array_key_exists('amount', $formDatas)) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 출금액이 정의되지 않았습니다.");
+        }
+        if ($clientEntity->getAccountBalance() < $formDatas['amount']) {
             throw new RuntimeException(sprintf(
                 "%s 에서 오류발생: 출금액(%s원) , %s 고객의 예치금액(%s원)이 부족합니다.",
                 static::class . '->' . __FUNCTION__,
-                number_format($amount),
+                number_format($formDatas['amount']),
                 $clientEntity->getTitle(),
-                number_format($balance)
+                number_format($clientEntity->getAccountBalance())
             ));
         }
         //최종처리
         $formDatas['bank'] = BANKS['결제차감'];
         $formDatas['alias'] = array_key_exists('alias', $formDatas) ? $formDatas['alias'] : $clientEntity->getTitle();
-        $formDatas['amount'] = $amount;
-        $formDatas['balance'] = $balance - $amount;
-        return $formDatas;
+        $formDatas['balance'] = $clientEntity->getAccountBalance() - $formDatas['amount'];
+        return parent::withdrawal_process($clientEntity, $formDatas);
     }
 }
diff --git a/app/Services/Customer/Wallet/WalletService.php b/app/Services/Customer/Wallet/WalletService.php
index b072781..ff8a2e2 100644
--- a/app/Services/Customer/Wallet/WalletService.php
+++ b/app/Services/Customer/Wallet/WalletService.php
@@ -6,6 +6,7 @@ use App\Entities\Customer\ClientEntity;
 use App\Entities\PaymentEntity;
 use App\Models\CommonModel;
 use App\Services\Customer\CustomerService;
+use GuzzleHttp\Client;
 use RuntimeException;
 
 abstract class WalletService extends CustomerService
@@ -15,31 +16,52 @@ abstract class WalletService extends CustomerService
         parent::__construct($model);
         $this->addClassPaths('Wallet');
     }
-    abstract protected function withdrawalByPayment_process(ClientEntity $clientEntity, PaymentEntity $paymentEntity, array $formDatas): array;
     //기본기능
-    //결제 관련 출금 처리
-    final public function withdrawalByPayment(PaymentEntity $paymentEntity): void
+    //생성
+    protected function create_process(array $formDatas): object
     {
-        //고객정보
-        $clientEntity = service('customer_clientservice')->getEntity($paymentEntity->getClientInfoUID());
-        if (!$clientEntity instanceof ClientEntity) {
-            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: {$paymentEntity->getClientInfoUID()}에 해당하는 고객정보를 찾을수 없습니다.");
+        if (!array_key_exists('clientinfo_uid', $formDatas)) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 고객정보가 정의되지 않았습니다.");
+        }
+        if (!array_key_exists('status', $formDatas)) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 상태정보가 정의되지 않았습니다.");
+        }
+        //고객 정보 잔액 수정
+        $clientEntity = service('customer_clientservice')->getEntity($formDatas['clientinfo_uid']);
+        if (!$clientEntity instanceof ClientEntity) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: {$formDatas['clientinfo_uid']}에 해당하는 고객정보를 찾을수 없습니다.");
+        }
+        switch ($formDatas['status']) {
+            case STATUS['DEPOSIT']:
+                $formDatas = $this->deposit_process($clientEntity, $formDatas);
+                break;
+            case STATUS['WITHDRAWAL']:
+                $formDatas = $this->withdrawal_process($clientEntity,  $formDatas);
+                break;
+            default:
+                throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 정의되지 않은 상태정보입니다.");
+                //break;
         }
-        $formDatas = [];
-        $formDatas['clientinfo_uid'] = $clientEntity->getPK();
-        $formDatas['title']          = $paymentEntity->getTitle();
-        $formDatas['issue_at']       = date('Y-m-d');
-        $formDatas['status']         = STATUS['WITHDRAWAL'];
-        //출금액 계산
-        $formDatas = $this->withdrawalByPayment_process($clientEntity, $paymentEntity,  $formDatas);
         $fields = array_keys($formDatas);
         $this->getFormService()->setFormFields($fields);
         $this->getFormService()->setFormRules('create', $fields);
         $entity = $this->create_process($formDatas);
         if (!$entity) {
-            throw new RuntimeException(static::class . '->' . __FUNCTION__, "에서 오류발생: {$clientEntity->getTitle()} 고객의 입금(쿠폰추가)처리중 Wallet정보 생성에 실패하였습니다.");
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 고객의 Wallet정보 생성에 실패하였습니다.");
         }
-        //고객정보 수정
         service('customer_clientservice')->modify_process($clientEntity, [constant("static::CLIENTINFO_BALANCE_FIELD") => $entity->getBalance()]);
+        return $entity;
+    }
+    //입금,쿠폰 충전 처리
+    protected function deposit_process(ClientEntity $clientEntity, array $formDatas): array
+    {
+        $formDatas['issue_at'] = array_key_exists('issue_at', $formDatas) ? $formDatas['issue_at'] : date('Y-m-d');
+        return $formDatas;
+    }
+    //출금,쿠폰 사용 처리
+    protected function withdrawal_process(ClientEntity $clientEntity, array $formDatas): array
+    {
+        $formDatas['issue_at'] = array_key_exists('issue_at', $formDatas) ? $formDatas['issue_at'] : date('Y-m-d');
+        return $formDatas;
     }
 }
diff --git a/app/Services/PaymentService.php b/app/Services/PaymentService.php
index f3b636c..4337a48 100644
--- a/app/Services/PaymentService.php
+++ b/app/Services/PaymentService.php
@@ -25,26 +25,6 @@ class PaymentService extends CommonService
         parent::__construct($model);
         $this->addClassPaths('Payment');
     }
-    //pay방식에따른 WalletService
-    private function getWalletService(string $pay): WalletService
-    {
-        $walletService = null;
-        switch ($pay) {
-            case PAYMENT['PAY']['ACCOUNT']:
-                $walletService = service('customer_wallet_accountservice');
-                break;
-            case PAYMENT['PAY']['COUPON']:
-                $walletService = service('customer_wallet_couponservice');
-                break;
-            case PAYMENT['PAY']['POINT']:
-                $walletService = service('customer_wallet_pointservice');
-                break;
-            default:
-                throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: {$pay}는 지정되지 않은 지불방식입니다.");
-                // break;
-        }
-        return $walletService;
-    }
     protected function getDTOClass(): string
     {
         return PaymentDTO::class;
@@ -197,6 +177,32 @@ class PaymentService extends CommonService
         parent::setSearchWord($word);
     }
     //추가기능 
+    //pay방식에따른 WalletService 등록
+    private function setWallet(PaymentEntity $entity): void
+    {
+        $walletService = null;
+        switch ($entity->getPay()) {
+            case PAYMENT['PAY']['ACCOUNT']:
+                $walletService = service('customer_wallet_accountservice');
+                break;
+            case PAYMENT['PAY']['COUPON']:
+                $walletService = service('customer_wallet_couponservice');
+                break;
+            case PAYMENT['PAY']['POINT']:
+                $walletService = service('customer_wallet_pointservice');
+                break;
+            default:
+                throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: {$entity->getPay()}는 지정되지 않은 지불방식입니다.");
+                // break;
+        }
+        $formDatas = [
+            'clientinfo_uid' => $entity->getClientInfoUID(),
+            'title'         =>  $entity->getTitle(),
+            'amount'         => $entity->getAmount(),
+            'status'         => STATUS['WITHDRAWAL'],
+        ];
+        $walletService->create_process($formDatas);
+    }
     //일회성,선결제,쿠폰,포인트 입력 관련
     protected function create_process(array $formDatas): PaymentEntity
     {
@@ -211,7 +217,7 @@ class PaymentService extends CommonService
         }
         //지불이 완료된경우 지불처리
         if ($entity->getStatus() === STATUS['PAID']) {
-            $this->getWalletService($entity->getPay())->withdrawalByPayment($entity);
+            $this->setWallet($entity);
         }
         //선결제인경우 서비스정보에 결제일 변경용
         if ($entity->getBilling() === PAYMENT['BILLING']['PREPAYMENT']) {
@@ -222,13 +228,17 @@ class PaymentService extends CommonService
 
     protected function modify_process($entity, array $formDatas): PaymentEntity
     {
+        if ($entity->getStatus() === STATUS['PAID']) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 이미 지불된 결제정보는 수정이 불가합니다.");
+        }
+        //수정된 결제정보
         $entity = parent::modify_process($entity, $formDatas);
         if (!$entity instanceof PaymentEntity) {
             throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생:Return Type은 PaymentEntity만 가능");
         }
-        //지불이 완료된경우 지불처리
+        //지불이 된경우 지불처리
         if ($entity->getStatus() === STATUS['PAID']) {
-            $this->getWalletService($entity->getPay())->withdrawalByPayment($entity);
+            $this->setWallet($entity);
         }
         //선결제인경우 서비스정보에 결제일 변경용
         if ($entity->getBilling() === PAYMENT['BILLING']['PREPAYMENT']) {
@@ -236,17 +246,24 @@ class PaymentService extends CommonService
         }
         return $entity;
     }
+    protected function delete_process($entity): PaymentEntity
+    {
+        if ($entity->getStatus() === STATUS['PAID']) {
+            throw new RuntimeException(static::class . '->' . __FUNCTION__ . "에서 오류발생: 이미 지불된 결제정보는 수정이 불가합니다.");
+        }
+        return parent::delete_process($entity);
+    }
     //지불 관련
     //일괄 지불용
     protected function batchjob_process($entity, array $formDatas): object
     {
         // modify_process를 호출하여 로직 재사용 (PK 로드 및 PK 제거/방어 로직 포함)
         $entity = parent::batchjob_process($entity, $formDatas);
-        //지불방식에 따른 고객 예치금,쿠폰,포인트 처리
-        $this->getWalletService($entity->getPay())->withdrawalByPayment($entity);
+        if ($entity->getStatus() === STATUS['PAID']) {
+            $this->setWallet($entity);
+        }
         return $entity;
     }
-
     //청구서 관련
     public function getInvoices(ClientEntity $clientEntity, ServiceEntity $serviceEntity, PaymentEntity $entity, array $rows): array
     {