fix

src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java

@@ -3776,10 +3776,10 @@ public class ClientManagerImpl implements ClientManager, ManagerTodoNoticeProvid
             needCheckParams.put("bank_account_no", bankAccount.getString("account_no"));
         }
         List<JSONObject> listRiskySimilarMerchants = riskAttentionMerchantsMapper.listRiskySimilarMerchants(needCheckParams);
-        StringBuilder appendStr = new StringBuilder();
-        listRiskySimilarMerchants.stream().forEach(json -> appendStr.append(json.getString("client_moniker")).append(","));
-        appendStr.deleteCharAt(appendStr.length() - 1);
         if (listRiskySimilarMerchants.size() > 0) {
+            StringBuilder appendStr = new StringBuilder();
+            listRiskySimilarMerchants.forEach(json -> appendStr.append(json.getString("client_moniker")).append(","));
+            appendStr.deleteCharAt(appendStr.length() - 1);
             throw new BadRequestException("该商户信息已经进入系统黑名单，关联商户为【" + appendStr + "】");
         }