投保请求

{

    "openid": "oI8SC4gLd*****",

    "order_no": "4200********2121476092",

    "pay_time": "1688212606",

    "pay_amount": 19910,

    "delivery_no": "78701*******",

    "delivery_place": null,

    "receipt_place": {

        "province": "黑龙江省",

        "city": "绥化市",

        "county": "海伦市",

        "address": "海伦市人民银行"

    }

}

投保失败返回

{"errcode":2014,"errmsg":" hint: [5GBdWV0sf-7__hTa] rid: 64a3c328-6fdf04dd-26fb39d0"}

订单查询结果返回

{

        "return_code": "SUCCESS",

        "return_msg": "OK",

        "result_code": "SUCCESS",

        "mch_id": "1602340555",

        "appid": "wx9c8b61****",

        "openid": "oI8SC4******",

        "is_subscribe": "N",

        "trade_type": "JSAPI",

        "trade_state": "SUCCESS",

        "bank_type": "ICBC_DEBIT",

        "total_fee": "19910",

        "fee_type": "CNY",

        "cash_fee": "16910",

        "cash_fee_type": "CNY",

        "coupon_fee": "3000",

        "coupon_count": "1",

        "coupon_id_0": "46498490604",

        "coupon_fee_0": "3000",

        "transaction_id": "4200001875202307012121476092",

        "out_trade_no": "W2023070119564606838",

        "attach": "535",

        "time_end": "20230701195651",

        "trade_state_desc": "支付成功",

        "nonce_str": "pTPMnVkDOg6CjXJF",

        "sign": "738E58E9A36295B0630EB3924CD9ED36"

}

该订单用户使用了工商银行支付 减免了3元，但那是银行活动，与我这边系统无关，我这边订单金额还是199.1 

但投保时，我这边传订单金额 199.1，就投保失败，2014 订单金额不对

投保那边逻辑，取的订单金额不是total_fee吗？