diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClient.java
index 4d163be55..18ae017d1 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/PayClient.java
@@ -4,6 +4,8 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
 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 java.util.Map;
 
@@ -76,4 +78,12 @@ public interface PayClient {
      */
     PayRefundRespDTO getRefund(String outTradeNo, String outRefundNo);
 
+    /**
+     * 调用渠道，进行转账
+     *
+     * @param reqDTO 统一转账请求信息
+     * @return 转账信息
+     */
+    PayTransferRespDTO unifiedTransfer(PayTransferUnifiedReqDTO reqDTO);
+
 }
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferRespDTO.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferRespDTO.java
new file mode 100644
index 000000000..1de0de2fc
--- /dev/null
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferRespDTO.java
@@ -0,0 +1,91 @@
+package cn.iocoder.yudao.framework.pay.core.client.dto.transfer;
+
+import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferStatusRespEnum;
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 统一转账 Response DTO
+ *
+ * @author jason
+ */
+@Data
+public class PayTransferRespDTO {
+
+    private Integer status;
+
+    /**
+     * 外部转账单号
+     *
+     */
+    private String outTransferNo;
+
+    /**
+     * 支付渠道编号
+     */
+    private String channelOrderNo;
+
+    /**
+     * 支付成功时间
+     */
+    private LocalDateTime successTime;
+
+    /**
+     * 原始的返回结果
+     */
+    private Object rawData;
+
+    /**
+     * 调用渠道的错误码
+     */
+    private String channelErrorCode;
+    /**
+     * 调用渠道报错时，错误信息
+     */
+    private String channelErrorMsg;
+
+    /**
+     * 创建【WAITING】状态的转账返回
+     */
+    public static PayTransferRespDTO waitingOf(String channelOrderNo,
+                                             String outTransferNo, Object rawData) {
+        PayTransferRespDTO respDTO = new PayTransferRespDTO();
+        respDTO.status = PayTransferStatusRespEnum.WAITING.getStatus();
+        respDTO.channelOrderNo = channelOrderNo;
+        respDTO.outTransferNo = outTransferNo;
+        respDTO.rawData = rawData;
+        return respDTO;
+    }
+
+    /**
+     * 创建【FAILURE】状态的转账返回
+     */
+    public static PayTransferRespDTO failureOf(String channelErrorCode, String channelErrorMsg,
+                                             String outTransferNo, Object rawData) {
+        PayTransferRespDTO respDTO = new PayTransferRespDTO();
+        respDTO.status = PayTransferStatusRespEnum.FAILURE.getStatus();
+        respDTO.channelErrorCode = channelErrorCode;
+        respDTO.channelErrorMsg = channelErrorMsg;
+        // 相对通用的字段
+        respDTO.outTransferNo = outTransferNo;
+        respDTO.rawData = rawData;
+        return respDTO;
+    }
+
+    /**
+     * 创建【SUCCESS】状态的转账返回
+     */
+    public static PayTransferRespDTO successOf(String channelTransferNo, LocalDateTime successTime,
+                                             String outTransferNo, Object rawData) {
+        PayTransferRespDTO respDTO = new PayTransferRespDTO();
+        respDTO.status = PayTransferStatusRespEnum.SUCCESS.getStatus();
+        respDTO.channelOrderNo = channelTransferNo;
+        respDTO.successTime = successTime;
+        // 相对通用的字段
+        respDTO.outTransferNo = outTransferNo;
+        respDTO.rawData = rawData;
+        return respDTO;
+    }
+
+}
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferUnifiedReqDTO.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferUnifiedReqDTO.java
new file mode 100644
index 000000000..6d1ef3998
--- /dev/null
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferUnifiedReqDTO.java
@@ -0,0 +1,65 @@
+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 javax.validation.constraints.Min;
+import javax.validation.constraints.NotEmpty;
+import javax.validation.constraints.NotNull;
+import java.util.Map;
+
+/**
+ * 统一转账 Request DTO
+ *
+ * @author jason
+ */
+@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
+     */
+    @NotEmpty(message = "用户 IP 不能为空")
+    private String userIp;
+
+    @NotEmpty(message = "外部转账单编号不能为空")
+    private String outTransferNo;
+
+    /**
+     * 转账金额，单位：分
+     */
+    @NotNull(message = "转账金额不能为空")
+    @Min(value = 1, message = "转账金额必须大于零")
+    private Integer price;
+
+    /**
+     * 转账标题
+     */
+    @NotEmpty(message = "转账标题不能为空")
+    @Length(max = 128, message = "转账标题不能超过 128")
+    private String title;
+
+    /**
+     * 收款方信息，转账类型不同信息不同
+     */
+    @NotEmpty(message = "收款方信息 不能为空")
+    private Map<String, String> payeeInfo;
+
+    /**
+     * 支付渠道的额外参数
+     *
+     */
+    private Map<String, String> channelExtras;
+
+}
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
index e8f898b2e..66546d784 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
@@ -8,6 +8,8 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
 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.client.exception.PayException;
 import lombok.extern.slf4j.Slf4j;
 
@@ -181,6 +183,26 @@ public abstract class AbstractPayClient<Config extends PayClientConfig> implemen
     protected abstract PayRefundRespDTO doGetRefund(String outTradeNo, String outRefundNo)
             throws Throwable;
 
+    @Override
+    public final PayTransferRespDTO unifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
+        ValidationUtils.validate(reqDTO);
+        PayTransferRespDTO resp;
+        try{
+            resp = doUnifiedTransfer(reqDTO);
+        }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) {
+            // 系统异常，则包装成 PayException 异常抛出
+            log.error("[unifiedTransfer][客户端({}) request({}) 发起转账异常]",
+                    getId(), toJsonString(reqDTO), ex);
+            throw buildPayException(ex);
+        }
+        return resp;
+    }
+
+    protected abstract PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO)
+            throws Throwable;
+
     // ========== 各种工具方法 ==========
 
     private PayException buildPayException(Throwable ex) {
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AbstractAlipayPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AbstractAlipayPayClient.java
index b1edf87ac..e62120ae5 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AbstractAlipayPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AbstractAlipayPayClient.java
@@ -150,6 +150,10 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
         // 2.1 执行请求
         AlipayTradeRefundResponse response = client.execute(request);
         if (!response.isSuccess()) {
+            // 当出现 ACQ.SYSTEM_ERROR, 退款可能成功也可能失败。 返回 WAIT 状态. 后续 job 会轮询
+            if (Objects.equals(response.getSubCode(), "ACQ.SYSTEM_ERROR")) {
+                return PayRefundRespDTO.waitingOf(null, reqDTO.getOutRefundNo(), response);
+            }
             return PayRefundRespDTO.failureOf(response.getSubCode(), response.getSubMsg(), reqDTO.getOutRefundNo(), response);
         }
         // 2.2 创建返回结果
@@ -198,6 +202,8 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
         return PayRefundRespDTO.waitingOf(null, outRefundNo, response);
     }
 
+
+
     // ========== 各种工具方法 ==========
 
     protected String formatAmount(Integer amount) {
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayAppPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayAppPayClient.java
index da9e8aad3..96ed2082b 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayAppPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayAppPayClient.java
@@ -2,6 +2,8 @@ package cn.iocoder.yudao.framework.pay.core.client.impl.alipay;
 
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
+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.channel.PayChannelEnum;
 import cn.iocoder.yudao.framework.pay.core.enums.order.PayOrderDisplayModeEnum;
 import com.alipay.api.AlipayApiException;
@@ -57,4 +59,8 @@ public class AlipayAppPayClient extends AbstractAlipayPayClient {
                 reqDTO.getOutTradeNo(), response);
     }
 
+    @Override
+    protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
+        throw new UnsupportedOperationException("支付宝【App 支付】不支持转账操作");
+    }
 }
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayBarPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayBarPayClient.java
index 94644430f..47b648f4b 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayBarPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayBarPayClient.java
@@ -5,6 +5,8 @@ import cn.hutool.core.map.MapUtil;
 import cn.hutool.core.util.StrUtil;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
+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.channel.PayChannelEnum;
 import cn.iocoder.yudao.framework.pay.core.enums.order.PayOrderDisplayModeEnum;
 import com.alipay.api.AlipayApiException;
@@ -75,4 +77,8 @@ public class AlipayBarPayClient extends AbstractAlipayPayClient {
                 reqDTO.getOutTradeNo(), response);
     }
 
+    @Override
+    protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
+        throw new UnsupportedOperationException("支付宝【条码支付】不支持转账操作");
+    }
 }
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayPcPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayPcPayClient.java
index 5fdff2671..4878ece51 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayPcPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayPcPayClient.java
@@ -4,6 +4,8 @@ import cn.hutool.core.util.ObjectUtil;
 import cn.hutool.http.Method;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
+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.channel.PayChannelEnum;
 import cn.iocoder.yudao.framework.pay.core.enums.order.PayOrderDisplayModeEnum;
 import com.alipay.api.AlipayApiException;
@@ -67,4 +69,8 @@ public class AlipayPcPayClient extends AbstractAlipayPayClient {
                 reqDTO.getOutTradeNo(), response);
     }
 
+    @Override
+    protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
+        throw new UnsupportedOperationException("支付宝【PC 网站】不支持转账操作");
+    }
 }
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayQrPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayQrPayClient.java
index 57393e972..414557481 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayQrPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayQrPayClient.java
@@ -2,6 +2,8 @@ package cn.iocoder.yudao.framework.pay.core.client.impl.alipay;
 
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
+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.channel.PayChannelEnum;
 import cn.iocoder.yudao.framework.pay.core.enums.order.PayOrderDisplayModeEnum;
 import com.alipay.api.AlipayApiException;
@@ -54,4 +56,8 @@ public class AlipayQrPayClient extends AbstractAlipayPayClient {
                 reqDTO.getOutTradeNo(), response);
     }
 
+    @Override
+    protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO)  {
+        throw new UnsupportedOperationException("支付宝【扫码支付】不支持转账操作");
+    }
 }
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayTransferClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayTransferClient.java
new file mode 100644
index 000000000..4daed831b
--- /dev/null
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayTransferClient.java
@@ -0,0 +1,105 @@
+package cn.iocoder.yudao.framework.pay.core.client.impl.alipay;
+
+import cn.hutool.core.map.MapUtil;
+import cn.hutool.core.util.StrUtil;
+import cn.iocoder.yudao.framework.common.util.json.JsonUtils;
+import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
+import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
+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.channel.PayChannelEnum;
+import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum;
+import com.alipay.api.AlipayApiException;
+import com.alipay.api.domain.AlipayFundTransUniTransferModel;
+import com.alipay.api.domain.Participant;
+import com.alipay.api.request.AlipayFundTransUniTransferRequest;
+import com.alipay.api.response.AlipayFundTransUniTransferResponse;
+import lombok.extern.slf4j.Slf4j;
+
+import java.util.Objects;
+
+import static cn.iocoder.yudao.framework.common.exception.enums.GlobalErrorCodeConstants.BAD_REQUEST;
+import static cn.iocoder.yudao.framework.common.exception.util.ServiceExceptionUtil.exception0;
+
+/**
+ * 支付宝转账的 PayClient 实现类
+ *
+ * @author jason
+ */
+@Slf4j
+public class AlipayTransferClient extends AbstractAlipayPayClient {
+    public AlipayTransferClient(Long channelId, AlipayPayClientConfig config) {
+        super(channelId, PayChannelEnum.ALIPAY_TRANSFER.getCode(), config);
+    }
+    @Override
+    protected PayOrderRespDTO doUnifiedOrder(PayOrderUnifiedReqDTO reqDTO) {
+        throw new UnsupportedOperationException("支付宝转账不支持统一下单请求");
+    }
+    @Override
+    protected PayRefundRespDTO doUnifiedRefund(PayRefundUnifiedReqDTO reqDTO) {
+        throw new UnsupportedOperationException("支付宝转账不支持统一退款请求");
+    }
+    @Override
+    protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) throws AlipayApiException {
+        // 1.1 构建 AlipayFundTransUniTransferModel
+        AlipayFundTransUniTransferModel model = new AlipayFundTransUniTransferModel();
+        // ① 通用的参数
+        model.setTransAmount(formatAmount(reqDTO.getPrice())); // 转账金额
+        model.setOrderTitle(reqDTO.getTitle());               // 转账业务的标题，用于在支付宝用户的账单里显示。
+        model.setOutBizNo(reqDTO.getOutTransferNo());
+        model.setProductCode("TRANS_ACCOUNT_NO_PWD");    // 销售产品码。单笔无密转账固定为 TRANS_ACCOUNT_NO_PWD
+        model.setBizScene("DIRECT_TRANSFER");           // 业务场景 单笔无密转账固定为 DIRECT_TRANSFER。
+        model.setBusinessParams(JsonUtils.toJsonString(reqDTO.getChannelExtras()));
+        PayTransferTypeEnum transferType = PayTransferTypeEnum.valueOf(reqDTO.getType());
+        switch(transferType){
+            case WX_BALANCE :
+            case WALLET_BALANCE : {
+                log.error("[doUnifiedTransfer],支付宝转账不支持的转账类型{}", transferType);
+                throw new UnsupportedOperationException(String.format("支付宝转账不支持转账类型: %s",transferType.getName()));
+            }
+            case ALIPAY_BALANCE : {
+                // ② 个性化的参数
+                Participant payeeInfo = new Participant();
+                payeeInfo.setIdentityType("ALIPAY_LOGON_ID");
+                String logonId = MapUtil.getStr(reqDTO.getPayeeInfo(), "ALIPAY_LOGON_ID");
+                if (StrUtil.isEmpty(logonId)) {
+                    throw exception0(BAD_REQUEST.getCode(), "支付包登录 ID 不能为空");
+                }
+                String accountName = MapUtil.getStr(reqDTO.getPayeeInfo(), "ALIPAY_ACCOUNT_NAME");
+                if (StrUtil.isEmpty(accountName)) {
+                    throw exception0(BAD_REQUEST.getCode(), "支付包账户名称不能为空");
+                }
+                payeeInfo.setIdentity(logonId); // 支付宝登录号
+                payeeInfo.setName(accountName); // 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
+                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
+                    if (Objects.equals(response.getSubCode(), "SYSTEM_ERROR")) {
+                        return PayTransferRespDTO.waitingOf(null, reqDTO.getOutTransferNo(), response);
+                    }
+                    return PayTransferRespDTO.failureOf(response.getSubCode(), response.getSubMsg(),
+                            reqDTO.getOutTransferNo(), response);
+
+                }
+                return  PayTransferRespDTO.successOf(response.getOrderId(), parseTime(response.getTransDate()),
+                        response.getOutBizNo(), response);
+            }
+            case BANK_CARD : {
+                Participant payeeInfo = new Participant();
+                payeeInfo.setIdentityType("BANKCARD_ACCOUNT");
+                throw new UnsupportedOperationException("待实现");
+            }
+            default: {
+                throw new IllegalStateException("不正确的转账类型: " + transferType);
+            }
+        }
+    }
+}
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayWapPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayWapPayClient.java
index 8ecb63447..fd5192c72 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayWapPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AlipayWapPayClient.java
@@ -3,6 +3,8 @@ package cn.iocoder.yudao.framework.pay.core.client.impl.alipay;
 import cn.hutool.http.Method;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
+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.channel.PayChannelEnum;
 import cn.iocoder.yudao.framework.pay.core.enums.order.PayOrderDisplayModeEnum;
 import com.alipay.api.AlipayApiException;
@@ -56,4 +58,8 @@ public class AlipayWapPayClient extends AbstractAlipayPayClient {
                 reqDTO.getOutTradeNo(), response);
     }
 
+    @Override
+    public PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
+        throw new UnsupportedOperationException("支付宝【Wap 网站】不支持转账操作");
+    }
 }
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/mock/MockPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/mock/MockPayClient.java
index f26e76c28..83a52a800 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/mock/MockPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/mock/MockPayClient.java
@@ -4,6 +4,8 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
 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.client.impl.AbstractPayClient;
 import cn.iocoder.yudao.framework.pay.core.client.impl.NonePayClientConfig;
 import cn.iocoder.yudao.framework.pay.core.enums.channel.PayChannelEnum;
@@ -64,4 +66,8 @@ public class MockPayClient extends AbstractPayClient<NonePayClientConfig> {
         throw new UnsupportedOperationException("模拟支付无支付回调");
     }
 
+    @Override
+    protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
+        throw new UnsupportedOperationException("待实现");
+    }
 }
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/weixin/AbstractWxPayClient.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/weixin/AbstractWxPayClient.java
index 87b9c4bc2..f4f326a65 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/weixin/AbstractWxPayClient.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/weixin/AbstractWxPayClient.java
@@ -12,6 +12,8 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
 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.client.impl.AbstractPayClient;
 import cn.iocoder.yudao.framework.pay.core.enums.order.PayOrderStatusRespEnum;
 import com.github.binarywang.wxpay.bean.notify.WxPayOrderNotifyResult;
@@ -425,6 +427,10 @@ public abstract class AbstractWxPayClient extends AbstractPayClient<WxPayClientC
         }
     }
 
+    @Override
+    protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
+       throw new UnsupportedOperationException("待实现");
+    }
     // ========== 各种工具方法 ==========
 
     static String formatDateV2(LocalDateTime time) {
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/channel/PayChannelEnum.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/channel/PayChannelEnum.java
index 411644153..b99f8ef4f 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/channel/PayChannelEnum.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/channel/PayChannelEnum.java
@@ -28,6 +28,7 @@ public enum PayChannelEnum {
     ALIPAY_APP("alipay_app", "支付宝App 支付", AlipayPayClientConfig.class),
     ALIPAY_QR("alipay_qr", "支付宝扫码支付", AlipayPayClientConfig.class),
     ALIPAY_BAR("alipay_bar", "支付宝条码支付", AlipayPayClientConfig.class),
+    ALIPAY_TRANSFER("alipay_transfer", "支付宝转账", AlipayPayClientConfig.class),
 
     MOCK("mock", "模拟支付", NonePayClientConfig.class),
 
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferStatusRespEnum.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferStatusRespEnum.java
new file mode 100644
index 000000000..b860ab4d7
--- /dev/null
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferStatusRespEnum.java
@@ -0,0 +1,21 @@
+package cn.iocoder.yudao.framework.pay.core.enums.transfer;
+
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+
+/**
+ * 渠道的转账状态枚举
+ *
+ * @author jason
+ */
+@Getter
+@AllArgsConstructor
+public enum PayTransferStatusRespEnum {
+
+    WAITING(0, "等待转账"),
+    SUCCESS(10, "转账成功"),
+    FAILURE(20, "转账失败");
+
+    private final Integer status;
+    private final String name;
+}
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferTypeEnum.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferTypeEnum.java
new file mode 100644
index 000000000..0566d2455
--- /dev/null
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferTypeEnum.java
@@ -0,0 +1,36 @@
+package cn.iocoder.yudao.framework.pay.core.enums.transfer;
+
+import cn.hutool.core.util.ArrayUtil;
+import cn.iocoder.yudao.framework.common.core.IntArrayValuable;
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+
+import java.util.Arrays;
+
+/**
+ * 转账类型枚举
+ *
+ * @author jason
+ */
+@AllArgsConstructor
+@Getter
+public enum PayTransferTypeEnum implements IntArrayValuable {
+    ALIPAY_BALANCE(1, "支付宝余额"),
+    WX_BALANCE(2, "微信余额"),
+    BANK_CARD(3, "银行卡"),
+    WALLET_BALANCE(4, "钱包余额");
+
+    private final Integer type;
+    private final String name;
+
+    public static final int[] ARRAYS = Arrays.stream(values()).mapToInt(PayTransferTypeEnum::getType).toArray();
+
+    @Override
+    public int[] array() {
+        return ARRAYS;
+    }
+
+    public static PayTransferTypeEnum valueOf(Integer type) {
+        return ArrayUtil.firstMatch(item -> item.getType().equals(type), values());
+    }
+}
diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/wallet/WalletPayClient.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/wallet/WalletPayClient.java
index 5591238f6..9bd8a6eec 100644
--- a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/wallet/WalletPayClient.java
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/framework/pay/wallet/WalletPayClient.java
@@ -8,6 +8,8 @@ import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.order.PayOrderUnifiedReqDTO;
 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.client.impl.AbstractPayClient;
 import cn.iocoder.yudao.framework.pay.core.client.impl.NonePayClientConfig;
 import cn.iocoder.yudao.framework.pay.core.enums.channel.PayChannelEnum;
@@ -174,4 +176,8 @@ public class WalletPayClient extends AbstractPayClient<NonePayClientConfig> {
         throw new IllegalStateException(String.format("支付退款单[%s] 状态不正确", outRefundNo));
     }
 
+    @Override
+    public PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
+        throw new UnsupportedOperationException("待实现");
+    }
 }