diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/controller/admin/demo/vo/transfer/PayDemoTransferCreateReqVO.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/controller/admin/demo/vo/transfer/PayDemoTransferCreateReqVO.java
index 73288372b5..8fd2a65098 100644
--- a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/controller/admin/demo/vo/transfer/PayDemoTransferCreateReqVO.java
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/controller/admin/demo/vo/transfer/PayDemoTransferCreateReqVO.java
@@ -44,7 +44,6 @@ public class PayDemoTransferCreateReqVO {
     @NotBlank(message = "微信 openId 不能为空", groups = {WxPay.class})
     private String openid;
 
-
     // ========== 转账到银行卡和钱包相关字段 待补充 ==========
 
     public void validate(Validator validator) {
diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/core/WalletPayClient.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/core/WalletPayClient.java
index 2dd5893fd8..d9a6511aae 100644
--- a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/core/WalletPayClient.java
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/core/WalletPayClient.java
@@ -14,12 +14,11 @@ import cn.iocoder.yudao.framework.pay.core.client.impl.AbstractPayClient;
 import cn.iocoder.yudao.framework.pay.core.client.impl.NonePayClientConfig;
 import cn.iocoder.yudao.framework.pay.core.enums.channel.PayChannelEnum;
 import cn.iocoder.yudao.framework.pay.core.enums.refund.PayRefundStatusRespEnum;
-import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum;
 import cn.iocoder.yudao.module.pay.dal.dataobject.order.PayOrderExtensionDO;
 import cn.iocoder.yudao.module.pay.dal.dataobject.refund.PayRefundDO;
 import cn.iocoder.yudao.module.pay.dal.dataobject.wallet.PayWalletTransactionDO;
-import cn.iocoder.yudao.module.pay.enums.wallet.PayWalletBizTypeEnum;
 import cn.iocoder.yudao.module.pay.enums.order.PayOrderStatusEnum;
+import cn.iocoder.yudao.module.pay.enums.wallet.PayWalletBizTypeEnum;
 import cn.iocoder.yudao.module.pay.service.order.PayOrderService;
 import cn.iocoder.yudao.module.pay.service.refund.PayRefundService;
 import cn.iocoder.yudao.module.pay.service.wallet.PayWalletService;
@@ -188,7 +187,7 @@ public class WalletPayClient extends AbstractPayClient<NonePayClientConfig> {
     }
 
     @Override
-    protected PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type) {
+    protected PayTransferRespDTO doGetTransfer(String outTradeNo) {
         throw new UnsupportedOperationException("待实现");
     }
 
diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/transfer/PayTransferServiceImpl.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/transfer/PayTransferServiceImpl.java
index 1825b3a45e..d4a7c9d639 100644
--- a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/transfer/PayTransferServiceImpl.java
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/transfer/PayTransferServiceImpl.java
@@ -9,7 +9,6 @@ import cn.iocoder.yudao.framework.pay.core.client.PayClient;
 import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferUnifiedReqDTO;
 import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferStatusRespEnum;
-import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum;
 import cn.iocoder.yudao.framework.tenant.core.util.TenantUtils;
 import cn.iocoder.yudao.module.pay.api.transfer.dto.PayTransferCreateReqDTO;
 import cn.iocoder.yudao.module.pay.controller.admin.transfer.vo.PayTransferCreateReqVO;
@@ -283,8 +282,7 @@ public class PayTransferServiceImpl implements PayTransferService {
                 log.error("[syncTransfer][渠道编号({}) 找不到对应的支付客户端]", transfer.getChannelId());
                 return false;
             }
-            PayTransferRespDTO resp = payClient.getTransfer(transfer.getNo(),
-                    PayTransferTypeEnum.typeOf(transfer.getType()));
+            PayTransferRespDTO resp = payClient.getTransfer(transfer.getNo());
 
             // 2. 回调转账结果
             notifyTransfer(transfer.getChannelId(), resp);
diff --git a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClient.java b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClient.java
index 64a56a5ca3..a7abb20e09 100644
--- a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClient.java
+++ b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClient.java
@@ -6,7 +6,6 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.refund.PayRefundRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.refund.PayRefundUnifiedReqDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferUnifiedReqDTO;
-import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum;
 
 import java.util.Map;
 
@@ -95,10 +94,9 @@ public interface PayClient {
      * 获得转账订单信息
      *
      * @param outTradeNo 外部订单号
-     * @param type 转账类型
      * @return 转账信息
      */
-    PayTransferRespDTO getTransfer(String outTradeNo, PayTransferTypeEnum type);
+    PayTransferRespDTO getTransfer(String outTradeNo);
 
     /**
      * 解析 transfer 回调数据
diff --git a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferUnifiedReqDTO.java b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferUnifiedReqDTO.java
index 509223f608..c1e6077b17 100644
--- a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferUnifiedReqDTO.java
+++ b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferUnifiedReqDTO.java
@@ -1,19 +1,17 @@
 package cn.iocoder.yudao.framework.pay.core.client.dto.transfer;
 
-import cn.iocoder.yudao.framework.common.validation.InEnum;
-import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum;
-import lombok.Data;
-import org.hibernate.validator.constraints.Length;
-
 import jakarta.validation.constraints.Min;
 import jakarta.validation.constraints.NotBlank;
 import jakarta.validation.constraints.NotEmpty;
 import jakarta.validation.constraints.NotNull;
+import lombok.Data;
+import org.hibernate.validator.constraints.Length;
 import org.hibernate.validator.constraints.URL;
 
 import java.util.Map;
 
-import static cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum.*;
+import static cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum.Alipay;
+import static cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum.WxPay;
 
 /**
  * 统一转账 Request DTO
@@ -23,15 +21,6 @@ import static cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferType
 @Data
 public class PayTransferUnifiedReqDTO {
 
-    /**
-     * 转账类型
-     *
-     * 关联 {@link PayTransferTypeEnum#getType()}
-     */
-    @NotNull(message = "转账类型不能为空")
-    @InEnum(PayTransferTypeEnum.class)
-    private Integer type;
-
     /**
      * 用户 IP
      */
@@ -55,6 +44,7 @@ public class PayTransferUnifiedReqDTO {
     @Length(max = 128, message = "转账标题不能超过 128")
     private String subject;
 
+    // TODO @芋艿：userName、alipayLogonId、openid =》channelExtras；另外：validatePayTransferReqDTO 去掉；
     /**
      * 收款人姓名
      */
diff --git a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
index a478d4e629..52d0a2f4ca 100644
--- a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
+++ b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
@@ -188,7 +188,6 @@ public abstract class AbstractPayClient<Config extends PayClientConfig> implemen
 
     @Override
     public final PayTransferRespDTO unifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
-        validatePayTransferReqDTO(reqDTO);
         PayTransferRespDTO resp;
         try {
             resp = doUnifiedTransfer(reqDTO);
@@ -202,22 +201,6 @@ public abstract class AbstractPayClient<Config extends PayClientConfig> implemen
         }
         return resp;
     }
-    private void validatePayTransferReqDTO(PayTransferUnifiedReqDTO reqDTO) {
-        PayTransferTypeEnum transferType = PayTransferTypeEnum.typeOf(reqDTO.getType());
-        switch (transferType) {
-            case ALIPAY_BALANCE: {
-                ValidationUtils.validate(reqDTO,  PayTransferTypeEnum.Alipay.class);
-                break;
-            }
-            case WX_BALANCE: {
-                ValidationUtils.validate(reqDTO, PayTransferTypeEnum.WxPay.class);
-                break;
-            }
-            default: {
-                throw exception(NOT_IMPLEMENTED);
-            }
-        }
-    }
 
     @Override
     public final PayTransferRespDTO parseTransferNotify(Map<String, String> params, String body, Map<String, String> headers) {
@@ -236,14 +219,14 @@ public abstract class AbstractPayClient<Config extends PayClientConfig> implemen
             throws Throwable;
 
     @Override
-    public final PayTransferRespDTO getTransfer(String outTradeNo, PayTransferTypeEnum type) {
+    public final PayTransferRespDTO getTransfer(String outTradeNo) {
         try {
-            return doGetTransfer(outTradeNo, type);
+            return doGetTransfer(outTradeNo);
         } catch (ServiceException ex) { // 业务异常，都是实现类已经翻译，所以直接抛出即可
             throw ex;
         } catch (Throwable ex) {
-            log.error("[getTransfer][客户端({}) outTradeNo({}) type({}) 查询转账单异常]",
-                    getId(), outTradeNo, type, ex);
+            log.error("[getTransfer][客户端({}) outTradeNo({}) 查询转账单异常]",
+                    getId(), outTradeNo, ex);
             throw buildPayException(ex);
         }
     }
@@ -251,7 +234,7 @@ public abstract class AbstractPayClient<Config extends PayClientConfig> implemen
     protected abstract PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO)
             throws Throwable;
 
-    protected abstract PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type)
+    protected abstract PayTransferRespDTO doGetTransfer(String outTradeNo)
             throws Throwable;
 
     // ========== 各种工具方法 ==========
diff --git a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AbstractAlipayPayClient.java b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AbstractAlipayPayClient.java
index b0f728eecf..a16516fdb2 100644
--- a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AbstractAlipayPayClient.java
+++ b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AbstractAlipayPayClient.java
@@ -4,6 +4,7 @@ import cn.hutool.core.bean.BeanUtil;
 import cn.hutool.core.date.LocalDateTimeUtil;
 import cn.hutool.core.lang.Assert;
 import cn.hutool.core.map.MapUtil;
+import cn.hutool.core.util.ObjectUtil;
 import cn.hutool.core.util.StrUtil;
 import cn.hutool.http.HttpUtil;
 import cn.iocoder.yudao.framework.common.util.json.JsonUtils;
@@ -16,7 +17,6 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferRespDT
 import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferUnifiedReqDTO;
 import cn.iocoder.yudao.framework.pay.core.client.impl.AbstractPayClient;
 import cn.iocoder.yudao.framework.pay.core.enums.order.PayOrderStatusRespEnum;
-import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum;
 import com.alipay.api.AlipayApiException;
 import com.alipay.api.AlipayConfig;
 import com.alipay.api.AlipayResponse;
@@ -40,8 +40,7 @@ import java.util.Objects;
 import java.util.function.Supplier;
 
 import static cn.hutool.core.date.DatePattern.NORM_DATETIME_FORMATTER;
-import static cn.iocoder.yudao.framework.common.exception.enums.GlobalErrorCodeConstants.*;
-import static cn.iocoder.yudao.framework.common.exception.util.ServiceExceptionUtil.exception;
+import static cn.iocoder.yudao.framework.common.exception.enums.GlobalErrorCodeConstants.ERROR_CONFIGURATION;
 import static cn.iocoder.yudao.framework.common.exception.util.ServiceExceptionUtil.exception0;
 import static cn.iocoder.yudao.framework.pay.core.client.impl.alipay.AlipayPayClientConfig.MODE_CERTIFICATE;
 import static cn.iocoder.yudao.framework.pay.core.client.impl.alipay.AlipayPayClientConfig.MODE_PUBLIC_KEY;
@@ -236,11 +235,12 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
 
     @Override
     protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) throws AlipayApiException {
-        // 1.1 校验公钥类型 必须使用公钥证书模式
-        if (!Objects.equals(config.getMode(), MODE_CERTIFICATE)) {
+        // 0. 校验公钥类型：必须使用公钥证书模式
+        if (ObjectUtil.notEqual(config.getMode(), MODE_CERTIFICATE)) {
             throw exception0(ERROR_CONFIGURATION.getCode(), "支付宝单笔转账必须使用公钥证书模式");
         }
-        // 1.2 构建 AlipayFundTransUniTransferModel
+
+        // 1.1 构建 AlipayFundTransUniTransferModel
         AlipayFundTransUniTransferModel model = new AlipayFundTransUniTransferModel();
         // ① 通用的参数
         model.setTransAmount(formatAmount(reqDTO.getPrice())); // 转账金额
@@ -253,32 +253,16 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
         }
         // ② 个性化的参数
         Participant payeeInfo = new Participant();
-        PayTransferTypeEnum transferType = PayTransferTypeEnum.typeOf(reqDTO.getType());
-        switch (transferType) {
-            // TODO @jason：是不是不用传递 transferType 参数哈？因为应该已经明确是支付宝啦？
-            // @芋艿。 是不是还要考虑转账到银行卡。所以传 transferType 但是转账到银行卡不知道要如何测试??
-            case ALIPAY_BALANCE: {
-                payeeInfo.setIdentityType("ALIPAY_LOGON_ID");
-                payeeInfo.setIdentity(reqDTO.getAlipayLogonId()); // 支付宝登录号
-                payeeInfo.setName(reqDTO.getUserName()); // 支付宝账号姓名
-                model.setPayeeInfo(payeeInfo);
-                break;
-            }
-            case BANK_CARD: {
-                payeeInfo.setIdentityType("BANKCARD_ACCOUNT");
-                // TODO 待实现
-                throw exception(NOT_IMPLEMENTED);
-            }
-            default: {
-                throw exception0(BAD_REQUEST.getCode(), "不正确的转账类型: {}", transferType);
-            }
-        }
-        // 1.3 构建 AlipayFundTransUniTransferRequest
+        payeeInfo.setIdentityType("ALIPAY_LOGON_ID"); // 暂时只考虑转账到支付宝，银行没有权限 https://opendocs.alipay.com/open/02byvc?scene=66dd06f5a923403393b85de68d3c0055
+        payeeInfo.setIdentity(reqDTO.getAlipayLogonId()); // 支付宝登录号
+        payeeInfo.setName(reqDTO.getUserName()); // 支付宝账号姓名
+        model.setPayeeInfo(payeeInfo);
+        // 1.2 构建 AlipayFundTransUniTransferRequest
         AlipayFundTransUniTransferRequest request = new AlipayFundTransUniTransferRequest();
         request.setBizModel(model);
-        // 执行请求
+
+        // 2.1 执行请求
         AlipayFundTransUniTransferResponse response = client.certificateExecute(request);
-        // 处理结果
         if (!response.isSuccess()) {
             // 当出现 SYSTEM_ERROR, 转账可能成功也可能失败。 返回 WAIT 状态. 后续 job 会轮询，或相同 outBizNo 重新发起转账
             // 发现 outBizNo 相同 两次请求参数相同. 会返回 "PAYMENT_INFO_INCONSISTENCY", 不知道哪里的问题. 暂时返回 WAIT. 后续job 会轮询
@@ -287,25 +271,24 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
             }
             return PayTransferRespDTO.closedOf(response.getSubCode(), response.getSubMsg(),
                     reqDTO.getOutTransferNo(), response);
-        } else {
-            if (ObjectUtils.equalsAny(response.getStatus(), "REFUND", "FAIL")) { // 转账到银行卡会出现 "REFUND" "FAIL"
-                return PayTransferRespDTO.closedOf(response.getSubCode(), response.getSubMsg(),
-                        reqDTO.getOutTransferNo(), response);
-            }
-            if (Objects.equals(response.getStatus(), "DEALING")) { // 转账到银行卡会出现 "DEALING"  处理中
-                return PayTransferRespDTO.dealingOf(response.getOrderId(), reqDTO.getOutTransferNo(), response);
-            }
-            return PayTransferRespDTO.successOf(response.getOrderId(), parseTime(response.getTransDate()),
-                    response.getOutBizNo(), response);
         }
-
+        // 2.2 处理结果
+        if (ObjectUtils.equalsAny(response.getStatus(), "REFUND", "FAIL")) { // 转账到银行卡会出现 "REFUND" "FAIL"
+            return PayTransferRespDTO.closedOf(response.getSubCode(), response.getSubMsg(),
+                    reqDTO.getOutTransferNo(), response);
+        }
+        if (Objects.equals(response.getStatus(), "DEALING")) { // 转账到银行卡会出现 "DEALING" 处理中
+            return PayTransferRespDTO.dealingOf(response.getOrderId(), reqDTO.getOutTransferNo(), response);
+        }
+        return PayTransferRespDTO.successOf(response.getOrderId(), parseTime(response.getTransDate()),
+                response.getOutBizNo(), response);
     }
 
     @Override
-    protected PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type) throws Throwable {
+    protected PayTransferRespDTO doGetTransfer(String outTradeNo) throws Throwable {
         // 1.1 构建 AlipayFundTransCommonQueryModel
         AlipayFundTransCommonQueryModel model = new AlipayFundTransCommonQueryModel();
-        model.setProductCode(type == PayTransferTypeEnum.BANK_CARD ? "TRANS_BANKCARD_NO_PWD" : "TRANS_ACCOUNT_NO_PWD");
+        model.setProductCode("TRANS_ACCOUNT_NO_PWD");
         model.setBizScene("DIRECT_TRANSFER"); //业务场景
         model.setOutBizNo(outTradeNo);
         // 1.2 构建 AlipayFundTransCommonQueryRequest
@@ -319,18 +302,7 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
         } else {
             response = client.execute(request);
         }
-        // 2.2 处理返回结果
-        if (response.isSuccess()) {
-            if (ObjectUtils.equalsAny(response.getStatus(), "REFUND", "FAIL")) { // 转账到银行卡会出现 "REFUND" "FAIL"
-                return PayTransferRespDTO.closedOf(response.getSubCode(), response.getSubMsg(),
-                        outTradeNo, response);
-            }
-            if (Objects.equals(response.getStatus(), "DEALING")) { // 转账到银行卡会出现 "DEALING" 处理中
-                return PayTransferRespDTO.dealingOf(response.getOrderId(), outTradeNo, response);
-            }
-            return PayTransferRespDTO.successOf(response.getOrderId(), parseTime(response.getPayDate()),
-                    response.getOutBizNo(), response);
-        } else {
+        if (!response.isSuccess()) {
             // 当出现 SYSTEM_ERROR, 转账可能成功也可能失败。 返回 WAIT 状态. 后续 job 会轮询, 或相同 outBizNo 重新发起转账
             // 当出现 ORDER_NOT_EXIST 可能是转账还在处理中,也可能是转账处理失败. 返回 WAIT 状态. 后续 job 会轮询, 或相同 outBizNo 重新发起转账
             if (ObjectUtils.equalsAny(response.getSubCode(), "ORDER_NOT_EXIST", "SYSTEM_ERROR", "ACQ.SYSTEM_ERROR")) {
@@ -339,6 +311,16 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
             return PayTransferRespDTO.closedOf(response.getSubCode(), response.getSubMsg(),
                     outTradeNo, response);
         }
+        // 2.2 处理返回结果
+        if (ObjectUtils.equalsAny(response.getStatus(), "REFUND", "FAIL")) { // 转账到银行卡会出现 "REFUND" "FAIL"
+            return PayTransferRespDTO.closedOf(response.getSubCode(), response.getSubMsg(),
+                    outTradeNo, response);
+        }
+        if (Objects.equals(response.getStatus(), "DEALING")) { // 转账到银行卡会出现 "DEALING" 处理中
+            return PayTransferRespDTO.dealingOf(response.getOrderId(), outTradeNo, response);
+        }
+        return PayTransferRespDTO.successOf(response.getOrderId(), parseTime(response.getPayDate()),
+                response.getOutBizNo(), response);
     }
 
     // TODO @chihuo：这里是不是也要实现，支付宝的。
diff --git a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/mock/MockPayClient.java b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/mock/MockPayClient.java
index d8f08bbf2f..fc05c22d90 100644
--- a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/mock/MockPayClient.java
+++ b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/mock/MockPayClient.java
@@ -9,7 +9,6 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferUnifie
 import cn.iocoder.yudao.framework.pay.core.client.impl.AbstractPayClient;
 import cn.iocoder.yudao.framework.pay.core.client.impl.NonePayClientConfig;
 import cn.iocoder.yudao.framework.pay.core.enums.channel.PayChannelEnum;
-import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum;
 
 import java.time.LocalDateTime;
 import java.util.Map;
@@ -78,7 +77,7 @@ public class MockPayClient extends AbstractPayClient<NonePayClientConfig> {
     }
 
     @Override
-    protected PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type) {
+    protected PayTransferRespDTO doGetTransfer(String outTradeNo) {
         throw new UnsupportedOperationException("待实现");
     }
 
diff --git a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/weixin/AbstractWxPayClient.java b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/weixin/AbstractWxPayClient.java
index e681cfbea4..b53f88c2eb 100644
--- a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/weixin/AbstractWxPayClient.java
+++ b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/weixin/AbstractWxPayClient.java
@@ -17,7 +17,6 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferUnifie
 import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.WxPayTransferPartnerNotifyV3Result;
 import cn.iocoder.yudao.framework.pay.core.client.impl.AbstractPayClient;
 import cn.iocoder.yudao.framework.pay.core.enums.order.PayOrderStatusRespEnum;
-import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum;
 import com.github.binarywang.wxpay.bean.notify.*;
 import com.github.binarywang.wxpay.bean.request.*;
 import com.github.binarywang.wxpay.bean.result.*;
@@ -489,7 +488,7 @@ public abstract class AbstractWxPayClient extends AbstractPayClient<WxPayClientC
     }
 
     @Override
-    protected PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type) throws WxPayException {
+    protected PayTransferRespDTO doGetTransfer(String outTradeNo) throws WxPayException {
         QueryTransferBatchesRequest request = QueryTransferBatchesRequest.newBuilder()
                 .outBatchNo(outTradeNo).needQueryDetail(true).offset(0).limit(20).detailStatus("ALL")
                 .build();
diff --git a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferTypeEnum.java b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferTypeEnum.java
index a2d9d44c6d..488f3b0d61 100644
--- a/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferTypeEnum.java
+++ b/yudao-module-pay/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferTypeEnum.java
@@ -7,6 +7,7 @@ import lombok.Getter;
 
 import java.util.Arrays;
 
+// TODO @芋艿：【转账】这里要不要改成支付平台？
 /**
  * 转账类型枚举
  *