diff --git a/src/main/java/life/mosu/mosuserver/application/refund/RefundService.java b/src/main/java/life/mosu/mosuserver/application/refund/RefundService.java
index 2cbbff09..3c08190a 100644
--- a/src/main/java/life/mosu/mosuserver/application/refund/RefundService.java
+++ b/src/main/java/life/mosu/mosuserver/application/refund/RefundService.java
@@ -1,6 +1,8 @@
 package life.mosu.mosuserver.application.refund;
 
 import life.mosu.mosuserver.application.refund.processor.TossRefundProcessor;
+import life.mosu.mosuserver.domain.payment.entity.PaymentJpaEntity;
+import life.mosu.mosuserver.domain.payment.entity.PaymentStatus;
 import life.mosu.mosuserver.domain.payment.projection.PaymentWithLunchProjection;
 import life.mosu.mosuserver.domain.payment.repository.PaymentJpaRepository;
 import life.mosu.mosuserver.domain.refund.entity.RefundJpaEntity;
@@ -48,14 +50,23 @@ public void doProcess(Long userId, MergedRefundRequest request) {
 
         PaymentWithLunchProjection targetPayment = findPaymentOrThrow(paymentKey,
                 examApplicationId);
+        log.info("target payment log : {}", targetPayment);
 
         int totalQuantity = getTotalPaymentCount(paymentKey);
+
+        log.info("total quantity log : {}", totalQuantity);
+
         int refundAmount = calculateRefundAmount(totalQuantity, targetPayment.lunchChecked());
 
         RefundJpaEntity refundEntity = processRefund(request, refundAmount,
                 targetPayment.examApplicationId());
         try {
             refundJpaRepository.save(refundEntity);
+            PaymentJpaEntity payment = paymentJpaRepository.findByExamApplicationId(
+                            targetPayment.examApplicationId())
+                    .orElseThrow(() -> new CustomRuntimeException(ErrorCode.PAYMENT_NOT_FOUND));
+
+            payment.changeStatus(PaymentStatus.ABORTED);
             eventTxService.publishSuccessEvent(refundEntity.getTransactionKey(), refundAmount,
                     userId, targetPayment.examId(), examApplicationId);
         } catch (Exception e) {
@@ -75,7 +86,8 @@ private PaymentWithLunchProjection findPaymentOrThrow(String paymentKey,
     }
 
     private int getTotalPaymentCount(String paymentKey) {
-        return paymentJpaRepository.findByPaymentKey(paymentKey).size();
+        return paymentJpaRepository.findByPaymentKeyAndPaymentStatus(paymentKey, PaymentStatus.DONE)
+                .size();
     }
 
     private int calculateRefundAmount(int totalQuantity, boolean lunchChecked) {
diff --git a/src/main/java/life/mosu/mosuserver/application/refund/tx/RefundTxEventListener.java b/src/main/java/life/mosu/mosuserver/application/refund/tx/RefundTxEventListener.java
index 0779b23e..dccc27df 100644
--- a/src/main/java/life/mosu/mosuserver/application/refund/tx/RefundTxEventListener.java
+++ b/src/main/java/life/mosu/mosuserver/application/refund/tx/RefundTxEventListener.java
@@ -35,7 +35,6 @@ public void afterCommitHandler(RefundTxEvent event) {
         RefundContext ctx = event.getContext();
         quotaSyncService.sync(ctx.examId());
         log.info("[AFTER_COMMIT] 환불 성공 후 알림톡 발송 시작: orderId={}", ctx.transactionKey());
-        paymentJpaRepository.deleteByExamApplicationId(ctx.examApplicationId());
         sendNotification(ctx.userId(), ctx.examApplicationId());
     }
 
diff --git a/src/main/java/life/mosu/mosuserver/application/virtualaccount/processor/CreateVirtualAccountProcessor.java b/src/main/java/life/mosu/mosuserver/application/virtualaccount/processor/CreateVirtualAccountProcessor.java
index a0b72233..581a5406 100644
--- a/src/main/java/life/mosu/mosuserver/application/virtualaccount/processor/CreateVirtualAccountProcessor.java
+++ b/src/main/java/life/mosu/mosuserver/application/virtualaccount/processor/CreateVirtualAccountProcessor.java
@@ -30,7 +30,8 @@ public class CreateVirtualAccountProcessor implements
 
     @Override
     public VirtualAccountResponse process(CreateVirtualAccountRequest request) {
-        var application = examApplicationJpaRepository.findById(request.applicationId())
+        var application = examApplicationJpaRepository.findByApplicationId(request.applicationId())
+                .stream().findFirst()
                 .orElseThrow(
                         () -> new CustomRuntimeException(ErrorCode.EXAM_APPLICATION_NOT_FOUND));
 
diff --git a/src/main/java/life/mosu/mosuserver/domain/payment/repository/PaymentJpaRepository.java b/src/main/java/life/mosu/mosuserver/domain/payment/repository/PaymentJpaRepository.java
index 32d1becd..c45efc26 100644
--- a/src/main/java/life/mosu/mosuserver/domain/payment/repository/PaymentJpaRepository.java
+++ b/src/main/java/life/mosu/mosuserver/domain/payment/repository/PaymentJpaRepository.java
@@ -2,7 +2,9 @@
 
 import java.time.LocalDateTime;
 import java.util.List;
+import java.util.Optional;
 import life.mosu.mosuserver.domain.payment.entity.PaymentJpaEntity;
+import life.mosu.mosuserver.domain.payment.entity.PaymentStatus;
 import life.mosu.mosuserver.domain.payment.projection.PaymentWithLunchProjection;
 import org.springframework.data.jpa.repository.JpaRepository;
 import org.springframework.data.jpa.repository.Query;
@@ -34,7 +36,8 @@ public interface PaymentJpaRepository extends JpaRepository<PaymentJpaEntity, Lo
     )
     List<PaymentWithLunchProjection> findByPaymentKeyWithLunch(String paymentKey);
 
-    List<PaymentJpaEntity> findByPaymentKey(String paymentKey);
+    List<PaymentJpaEntity> findByPaymentKeyAndPaymentStatus(String paymentKey,
+            PaymentStatus status);
 
     @Query("""
             SELECT p
@@ -43,4 +46,6 @@ public interface PaymentJpaRepository extends JpaRepository<PaymentJpaEntity, Lo
             AND p.paymentStatus in ('PREPARE', 'EXPIRED', 'ABORTED')
             """)
     List<PaymentJpaEntity> findFailedPayments(@Param("time") LocalDateTime time);
+
+    Optional<PaymentJpaEntity> findByExamApplicationId(Long examApplicationId);
 }