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 18ae017d1..86e3566b2 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
@@ -6,6 +6,7 @@ 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;
 
@@ -86,4 +87,12 @@ public interface PayClient {
      */
     PayTransferRespDTO unifiedTransfer(PayTransferUnifiedReqDTO reqDTO);
 
+    /**
+     * 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);
 }
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
index da6f22774..0f9b48240 100644
--- 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
@@ -53,11 +53,24 @@ public class PayTransferRespDTO {
     /**
      * 创建【WAITING】状态的转账返回
      */
-    public static PayTransferRespDTO waitingOf(String channelOrderNo,
+    public static PayTransferRespDTO waitingOf(String channelTransferNo,
                                              String outTransferNo, Object rawData) {
         PayTransferRespDTO respDTO = new PayTransferRespDTO();
         respDTO.status = PayTransferStatusRespEnum.WAITING.getStatus();
-        respDTO.channelTransferNo = channelOrderNo;
+        respDTO.channelTransferNo = channelTransferNo;
+        respDTO.outTransferNo = outTransferNo;
+        respDTO.rawData = rawData;
+        return respDTO;
+    }
+
+    /**
+     * 创建【IN_PROGRESS】状态的转账返回
+     */
+    public static PayTransferRespDTO dealingOf(String channelTransferNo,
+                                               String outTransferNo, Object rawData) {
+        PayTransferRespDTO respDTO = new PayTransferRespDTO();
+        respDTO.status = PayTransferStatusRespEnum.IN_PROGRESS.getStatus();
+        respDTO.channelTransferNo = channelTransferNo;
         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/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 f06dab22e..82d68b58f 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
@@ -188,11 +188,11 @@ public abstract class AbstractPayClient<Config extends PayClientConfig> implemen
 
     @Override
     public final PayTransferRespDTO unifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
+        validatePayTransferReqDTO(reqDTO);
         PayTransferRespDTO resp;
-        try{
-            validatePayTransferReqDTO(reqDTO);
+        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
+        } 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
@@ -219,9 +219,25 @@ public abstract class AbstractPayClient<Config extends PayClientConfig> implemen
         }
     }
 
+    @Override
+    public final PayTransferRespDTO getTransfer(String outTradeNo, PayTransferTypeEnum type) {
+        try {
+            return doGetTransfer(outTradeNo, type);
+        } 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);
+            throw buildPayException(ex);
+        }
+    }
+
     protected abstract PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO)
             throws Throwable;
 
+    protected abstract PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type)
+            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 fc9d658ac..4dcf23675 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
@@ -23,14 +23,8 @@ import com.alipay.api.AlipayResponse;
 import com.alipay.api.DefaultAlipayClient;
 import com.alipay.api.domain.*;
 import com.alipay.api.internal.util.AlipaySignature;
-import com.alipay.api.request.AlipayFundTransUniTransferRequest;
-import com.alipay.api.request.AlipayTradeFastpayRefundQueryRequest;
-import com.alipay.api.request.AlipayTradeQueryRequest;
-import com.alipay.api.request.AlipayTradeRefundRequest;
-import com.alipay.api.response.AlipayFundTransUniTransferResponse;
-import com.alipay.api.response.AlipayTradeFastpayRefundQueryResponse;
-import com.alipay.api.response.AlipayTradeQueryResponse;
-import com.alipay.api.response.AlipayTradeRefundResponse;
+import com.alipay.api.request.*;
+import com.alipay.api.response.*;
 import lombok.Getter;
 import lombok.SneakyThrows;
 import lombok.extern.slf4j.Slf4j;
@@ -126,7 +120,7 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
         }
         // 2.2 解析订单的状态
         Integer status = parseStatus(response.getTradeStatus());
-        Assert.notNull(status,  () -> {
+        Assert.notNull(status, () -> {
             throw new IllegalArgumentException(StrUtil.format("body({}) 的 trade_status 不正确", response.getBody()));
         });
         return PayOrderRespDTO.of(status, response.getTradeNo(), response.getBuyerUserId(), LocalDateTimeUtil.of(response.getSendPayDate()),
@@ -228,7 +222,7 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
     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)) {
-            throw exception0(ERROR_CONFIGURATION.getCode(),"支付宝单笔转账必须使用公钥证书模式");
+            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
         AlipayFundTransUniTransferModel model = new AlipayFundTransUniTransferModel();
@@ -238,45 +232,97 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
         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()));
+        if (reqDTO.getChannelExtras() != null) {
+            model.setBusinessParams(JsonUtils.toJsonString(reqDTO.getChannelExtras()));
+        }
+        // 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: {
-                // ② 个性化的参数
-                Participant payeeInfo = new Participant();
                 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);
-                // 1.3 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 (ObjectUtils.equalsAny(response.getSubCode(), "SYSTEM_ERROR", "ACQ.SYSTEM_ERROR")) {
-                        return PayTransferRespDTO.waitingOf(null, reqDTO.getOutTransferNo(), response);
-                    }
-                    return PayTransferRespDTO.closedOf(response.getSubCode(), response.getSubMsg(),
-                            reqDTO.getOutTransferNo(), response);
-                }
-                return PayTransferRespDTO.successOf(response.getOrderId(), parseTime(response.getTransDate()),
-                        response.getOutBizNo(), response);
+                break;
             }
             case BANK_CARD: {
-                Participant payeeInfo = new Participant();
                 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);
+                throw exception0(BAD_REQUEST.getCode(), "不正确的转账类型: {}", transferType);
             }
         }
+        // 1.3 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，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
+            if (ObjectUtils.equalsAny(response.getSubCode(),"PAYMENT_INFO_INCONSISTENCY", "SYSTEM_ERROR", "ACQ.SYSTEM_ERROR")) {
+                return PayTransferRespDTO.waitingOf(null, reqDTO.getOutTransferNo(), response);
+            }
+            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);
+        }
+
+    }
+
+    @Override
+    protected PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type) 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.setBizScene("DIRECT_TRANSFER"); //业务场景
+        model.setOutBizNo(outTradeNo);
+        // 1.2 构建 AlipayFundTransCommonQueryRequest
+        AlipayFundTransCommonQueryRequest request = new AlipayFundTransCommonQueryRequest();
+        request.setBizModel(model);
+
+        // 2.1 执行请求
+        AlipayFundTransCommonQueryResponse response;
+        if (Objects.equals(config.getMode(), MODE_CERTIFICATE)) { // 证书模式
+            response = client.certificateExecute(request);
+        } 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 {
+            // 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")) {
+                return PayTransferRespDTO.waitingOf(null, outTradeNo, response);
+            }
+            return PayTransferRespDTO.closedOf(response.getSubCode(), response.getSubMsg(),
+                    outTradeNo, response);
+        }
     }
 
     // ========== 各种工具方法 ==========
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 309813697..1ad1ad713 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
@@ -9,6 +9,7 @@ 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;
@@ -71,4 +72,9 @@ public class MockPayClient extends AbstractPayClient<NonePayClientConfig> {
         throw new UnsupportedOperationException("待实现");
     }
 
+    @Override
+    protected PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type) {
+        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 f4f326a65..bb6feeb04 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
@@ -16,6 +16,7 @@ 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.github.binarywang.wxpay.bean.notify.WxPayOrderNotifyResult;
 import com.github.binarywang.wxpay.bean.notify.WxPayOrderNotifyV3Result;
 import com.github.binarywang.wxpay.bean.notify.WxPayRefundNotifyResult;
@@ -431,6 +432,12 @@ public abstract class AbstractWxPayClient extends AbstractPayClient<WxPayClientC
     protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
        throw new UnsupportedOperationException("待实现");
     }
+
+    @Override
+    protected PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type) {
+        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/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
index 63b3a96aa..35ea344da 100644
--- 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
@@ -38,4 +38,8 @@ public enum PayTransferStatusRespEnum {
     public static boolean isClosed(Integer status) {
         return Objects.equals(status, CLOSED.getStatus());
     }
+
+    public static boolean isInProgress(Integer status) {
+        return Objects.equals(status, IN_PROGRESS.getStatus());
+    }
 }
diff --git a/yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/ErrorCodeConstants.java b/yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/ErrorCodeConstants.java
index 8fc38e61c..8b7a38ecf 100644
--- a/yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/ErrorCodeConstants.java
+++ b/yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/ErrorCodeConstants.java
@@ -66,9 +66,9 @@ public interface ErrorCodeConstants {
     // ========== 转账模块 1-007-009-000 ==========
     ErrorCode PAY_TRANSFER_SUBMIT_CHANNEL_ERROR = new ErrorCode(1_007_009_000, "发起转账报错，错误码：{}，错误提示：{}");
     ErrorCode PAY_TRANSFER_NOT_FOUND = new ErrorCode(1_007_009_001, "转账单不存在");
-    ErrorCode PAY_TRANSFER_STATUS_IS_SUCCESS = new ErrorCode(1_007_009_002, "转账单已成功转账");
-    ErrorCode PAY_TRANSFER_EXISTS = new ErrorCode(1_007_009_003, "已经存在转账单");
-    ErrorCode PAY_MERCHANT_TRANSFER_EXISTS = new ErrorCode(1_007_009_004, "该笔业务的转账已经存在,请查询转账订单相关状态");
+    ErrorCode PAY_SAME_MERCHANT_TRANSFER_TYPE_NOT_MATCH = new ErrorCode(1_007_009_002, "两次相同转账请求的类型不匹配");
+    ErrorCode PAY_SAME_MERCHANT_TRANSFER_PRICE_NOT_MATCH = new ErrorCode(1_007_009_003, "两次相同转账请求的金额不匹配");
+    ErrorCode PAY_MERCHANT_TRANSFER_EXISTS = new ErrorCode(1_007_009_004, "该笔业务的转账已经发起,请查询转账订单相关状态");
     ErrorCode PAY_TRANSFER_STATUS_IS_NOT_WAITING = new ErrorCode(1_007_009_005, "转账单不处于待转账");
     ErrorCode PAY_TRANSFER_STATUS_IS_NOT_PENDING = new ErrorCode(1_007_009_006, "转账单不处于待转账或转账中");
 
diff --git a/yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/transfer/PayTransferStatusEnum.java b/yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/transfer/PayTransferStatusEnum.java
index 335a470f8..6f2f27c75 100644
--- a/yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/transfer/PayTransferStatusEnum.java
+++ b/yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/transfer/PayTransferStatusEnum.java
@@ -40,9 +40,13 @@ public enum PayTransferStatusEnum {
     public static boolean isClosed(Integer status) {
         return Objects.equals(status, CLOSED.getStatus());
     }
+
     public static boolean isWaiting(Integer status) {
         return Objects.equals(status, WAITING.getStatus());
     }
+    public static boolean isInProgress(Integer status) {
+        return Objects.equals(status, IN_PROGRESS.getStatus());
+    }
 
     /**
      * 是否处于待转账或者转账中的状态
diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/convert/transfer/PayTransferConvert.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/convert/transfer/PayTransferConvert.java
index 4d5849ddd..4e79548d0 100644
--- a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/convert/transfer/PayTransferConvert.java
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/convert/transfer/PayTransferConvert.java
@@ -18,7 +18,7 @@ public interface PayTransferConvert {
 
     PayTransferDO convert(PayTransferCreateReqDTO dto);
 
-    PayTransferUnifiedReqDTO convert2(PayTransferCreateReqDTO dto);
+    PayTransferUnifiedReqDTO convert2(PayTransferDO dto);
 
     PayTransferCreateReqDTO convert(PayTransferCreateReqVO vo);
 
diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/dal/mysql/transfer/PayTransferMapper.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/dal/mysql/transfer/PayTransferMapper.java
index 0f7384526..af4f6debf 100644
--- a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/dal/mysql/transfer/PayTransferMapper.java
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/dal/mysql/transfer/PayTransferMapper.java
@@ -1,10 +1,10 @@
 package cn.iocoder.yudao.module.pay.dal.mysql.transfer;
 
 import cn.iocoder.yudao.framework.common.pojo.PageResult;
+import cn.iocoder.yudao.framework.mybatis.core.mapper.BaseMapperX;
 import cn.iocoder.yudao.framework.mybatis.core.query.LambdaQueryWrapperX;
 import cn.iocoder.yudao.module.pay.controller.admin.transfer.vo.PayTransferPageReqVO;
 import cn.iocoder.yudao.module.pay.dal.dataobject.transfer.PayTransferDO;
-import cn.iocoder.yudao.framework.mybatis.core.mapper.BaseMapperX;
 import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
 import org.apache.ibatis.annotations.Mapper;
 
@@ -40,6 +40,10 @@ public interface PayTransferMapper extends BaseMapperX<PayTransferDO> {
                 .betweenIfPresent(PayTransferDO::getCreateTime, reqVO.getCreateTime())
                 .orderByDesc(PayTransferDO::getId));
     }
+
+    default List<PayTransferDO> selectListByStatus(Integer status){
+        return selectList(PayTransferDO::getStatus, status);
+    }
 }
 
 
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 c1b72ef9e..efd3d0ba1 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
@@ -14,6 +14,7 @@ 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;
@@ -181,4 +182,9 @@ public class WalletPayClient extends AbstractPayClient<NonePayClientConfig> {
         throw new UnsupportedOperationException("待实现");
     }
 
+    @Override
+    protected PayTransferRespDTO doGetTransfer(String outTradeNo, PayTransferTypeEnum type) {
+        throw new UnsupportedOperationException("待实现");
+    }
+
 }
diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/job/transfer/PayTransferSyncJob.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/job/transfer/PayTransferSyncJob.java
new file mode 100644
index 000000000..191071e10
--- /dev/null
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/job/transfer/PayTransferSyncJob.java
@@ -0,0 +1,30 @@
+package cn.iocoder.yudao.module.pay.job.transfer;
+
+import cn.hutool.core.util.StrUtil;
+import cn.iocoder.yudao.framework.quartz.core.handler.JobHandler;
+import cn.iocoder.yudao.framework.tenant.core.job.TenantJob;
+import cn.iocoder.yudao.module.pay.service.transfer.PayTransferService;
+import org.springframework.stereotype.Component;
+
+import javax.annotation.Resource;
+
+/**
+ * 转账订单的同步 Job
+ *
+ * 由于转账订单的转账结果，有些渠道是异步通知进行同步的，考虑到异步通知可能会失败（小概率），所以需要定时进行同步。
+ *
+ * @author jason
+ */
+@Component
+public class PayTransferSyncJob implements JobHandler {
+
+    @Resource
+    private PayTransferService transferService;
+
+    @Override
+    @TenantJob
+    public String execute(String param) {
+        int count = transferService.syncTransfer();
+        return StrUtil.format("同步转账订单 {} 个", count);
+    }
+}
diff --git a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/transfer/PayTransferService.java b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/transfer/PayTransferService.java
index 0848dc0ca..9a58cf06a 100644
--- a/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/transfer/PayTransferService.java
+++ b/yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/service/transfer/PayTransferService.java
@@ -48,4 +48,10 @@ public interface PayTransferService {
      */
     PageResult<PayTransferDO> getTransferPage(PayTransferPageReqVO pageReqVO);
 
+    /**
+     * 同步渠道转账单状态
+     *
+     * @return 同步到状态的转账数量，包括转账成功、转账失败、转账中的
+     */
+    int syncTransfer();
 }
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 27b9807bd..73b726dcd 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
@@ -1,14 +1,16 @@
 package cn.iocoder.yudao.module.pay.service.transfer;
 
 import cn.hutool.core.collection.CollUtil;
+import cn.hutool.core.util.ObjectUtil;
 import cn.hutool.extra.spring.SpringUtil;
-import cn.iocoder.yudao.framework.common.exception.ServiceException;
 import cn.iocoder.yudao.framework.common.pojo.PageResult;
 import cn.iocoder.yudao.framework.common.util.json.JsonUtils;
 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;
 import cn.iocoder.yudao.module.pay.controller.admin.transfer.vo.PayTransferPageReqVO;
@@ -18,6 +20,7 @@ import cn.iocoder.yudao.module.pay.dal.dataobject.transfer.PayTransferDO;
 import cn.iocoder.yudao.module.pay.dal.mysql.transfer.PayTransferMapper;
 import cn.iocoder.yudao.module.pay.dal.redis.no.PayNoRedisDAO;
 import cn.iocoder.yudao.module.pay.enums.notify.PayNotifyTypeEnum;
+import cn.iocoder.yudao.module.pay.enums.transfer.PayTransferStatusEnum;
 import cn.iocoder.yudao.module.pay.service.app.PayAppService;
 import cn.iocoder.yudao.module.pay.service.channel.PayChannelService;
 import cn.iocoder.yudao.module.pay.service.notify.PayNotifyService;
@@ -27,7 +30,7 @@ import org.springframework.transaction.annotation.Transactional;
 
 import javax.annotation.Resource;
 import javax.validation.Validator;
-import java.util.Objects;
+import java.util.List;
 
 import static cn.iocoder.yudao.framework.common.exception.util.ServiceExceptionUtil.exception;
 import static cn.iocoder.yudao.module.pay.convert.transfer.PayTransferConvert.INSTANCE;
@@ -75,56 +78,60 @@ public class PayTransferServiceImpl implements PayTransferService {
 
     @Override
     public Long createTransfer(PayTransferCreateReqDTO reqDTO) {
-        // 1.1 校验转账单是否可以提交
-        validateTransferCanCreate(reqDTO.getAppId(), reqDTO.getMerchantTransferId());
-        // 1.2 校验 App
+        // 1.1 校验 App
         PayAppDO payApp = appService.validPayApp(reqDTO.getAppId());
-        // 1.3 校验支付渠道是否有效
+        // 1.2 校验支付渠道是否有效
         PayChannelDO channel = channelService.validPayChannel(reqDTO.getAppId(), reqDTO.getChannelCode());
         PayClient client = channelService.getPayClient(channel.getId());
         if (client == null) {
             log.error("[createTransfer][渠道编号({}) 找不到对应的支付客户端]", channel.getId());
             throw exception(CHANNEL_NOT_FOUND);
         }
-        // 2.创建转账单
-        String no = noRedisDAO.generate(TRANSFER_NO_PREFIX);
-        PayTransferDO transfer = INSTANCE.convert(reqDTO)
-                .setChannelId(channel.getId())
-                .setNo(no).setStatus(WAITING.getStatus())
-                .setNotifyUrl(payApp.getTransferNotifyUrl());
-        transferMapper.insert(transfer);
-        PayTransferRespDTO unifiedTransferResp = null;
+        // 1.3 校验转账单已经发起过转账。
+        PayTransferDO transfer = validateTransferCanCreate(reqDTO);
+
+        if (transfer == null) {
+            // 2.不存在创建转账单. 否则允许使用相同的 no 再次发起转账
+            String no = noRedisDAO.generate(TRANSFER_NO_PREFIX);
+            transfer = INSTANCE.convert(reqDTO)
+                    .setChannelId(channel.getId())
+                    .setNo(no).setStatus(WAITING.getStatus())
+                    .setNotifyUrl(payApp.getTransferNotifyUrl());
+            transferMapper.insert(transfer);
+        }
         try {
             // 3. 调用三方渠道发起转账
-            PayTransferUnifiedReqDTO transferUnifiedReq = INSTANCE.convert2(reqDTO)
-                    .setOutTransferNo(no);
-            unifiedTransferResp = client.unifiedTransfer(transferUnifiedReq);
-        } catch (ServiceException ex) {
-            // 业务异常.直接返回转账失败的结果
-            log.error("[createTransfer][转账 id({}) requestDTO({}) 发生业务异常]", transfer.getId(), reqDTO, ex);
-            unifiedTransferResp = PayTransferRespDTO.closedOf("", "", no, ex);
-        } catch (Throwable e) {
-            // 注意这里仅打印异常，不进行抛出。
-            // 原因是：虽然调用支付渠道进行转账发生异常（网络请求超时），实际转账成功。这个结果，后续通过转账回调、或者转账轮询可以拿到。
-            // TODO 需要加转账回调业务接口 和 转账轮询未实现
-            // 最终，在异常的情况下，支付中心会异步回调业务的转账回调接口，提供转账结果
-            log.error("[createTransfer][转账 id({}) requestDTO({}) 发生异常]", transfer.getId(), reqDTO, e);
-        }
-        if (Objects.nonNull(unifiedTransferResp)) {
+            PayTransferUnifiedReqDTO transferUnifiedReq = INSTANCE.convert2(transfer)
+                    .setOutTransferNo(transfer.getNo());
+            PayTransferRespDTO unifiedTransferResp = client.unifiedTransfer(transferUnifiedReq);
             // 4. 通知转账结果
             getSelf().notifyTransfer(channel, unifiedTransferResp);
+        } catch (Throwable e) {
+            // 注意这里仅打印异常，不进行抛出。
+            // 原因是：虽然调用支付渠道进行转账发生异常（网络请求超时），实际转账成功。这个结果，后续转账轮询可以拿到。
+            // 或者使用相同 no 再次发起转账请求
+            log.error("[createTransfer][转账 id({}) requestDTO({}) 发生异常]", transfer.getId(), reqDTO, e);
         }
+
         return transfer.getId();
     }
 
-    @Override
-    public PayTransferDO getTransfer(Long id) {
-        return transferMapper.selectById(id);
-    }
-
-    @Override
-    public PageResult<PayTransferDO> getTransferPage(PayTransferPageReqVO pageReqVO) {
-        return transferMapper.selectPage(pageReqVO);
+    private PayTransferDO validateTransferCanCreate(PayTransferCreateReqDTO dto) {
+        PayTransferDO transfer = transferMapper.selectByAppIdAndMerchantTransferId(dto.getAppId(), dto.getMerchantTransferId());
+        if (transfer != null) {
+            // 已经存在,并且状态不为等待状态。说明已经调用渠道转账并返回结果.
+            if (!PayTransferStatusEnum.isWaiting(transfer.getStatus())) {
+                throw exception(PAY_MERCHANT_TRANSFER_EXISTS);
+            }
+            if (ObjectUtil.notEqual(dto.getPrice(), transfer.getPrice())) {
+                throw exception(PAY_SAME_MERCHANT_TRANSFER_PRICE_NOT_MATCH);
+            }
+            if (ObjectUtil.notEqual(dto.getType(), transfer.getType())) {
+                throw exception(PAY_SAME_MERCHANT_TRANSFER_TYPE_NOT_MATCH);
+            }
+        }
+        // 如果状态为等待状态。不知道渠道转账是否发起成功。 允许使用相同的 no 再次发起转账，渠道会保证幂等
+        return transfer;
     }
 
     @Transactional(rollbackFor = Exception.class)
@@ -138,17 +145,40 @@ public class PayTransferServiceImpl implements PayTransferService {
         if (PayTransferStatusRespEnum.isClosed(notify.getStatus())) {
             notifyTransferClosed(channel, notify);
         }
+        // 转账处理中的回调
+        if (PayTransferStatusRespEnum.isInProgress(notify.getStatus())) {
+            notifyTransferInProgress(channel, notify);
+        }
         // WAITING 状态无需处理
-        // TODO IN_PROGRESS 待处理
     }
 
-    private void validateTransferCanCreate(Long appId, String merchantTransferId) {
-        PayTransferDO transfer = transferMapper.selectByAppIdAndMerchantTransferId(appId, merchantTransferId);
-        if (transfer != null) {  // 是否存在
-            throw exception(PAY_MERCHANT_TRANSFER_EXISTS);
+    private void notifyTransferInProgress(PayChannelDO channel, PayTransferRespDTO notify) {
+        // 1.校验
+        PayTransferDO transfer = transferMapper.selectByNo(notify.getOutTransferNo());
+        if (transfer == null) {
+            throw exception(PAY_TRANSFER_NOT_FOUND);
         }
+        if (isInProgress(transfer.getStatus())) { // 如果已经是转账中，直接返回，不用重复更新
+            return;
+        }
+        if (!isWaiting(transfer.getStatus())) {
+            throw exception(PAY_TRANSFER_STATUS_IS_NOT_WAITING);
+        }
+        // 2.更新
+        int updateCounts = transferMapper.updateByIdAndStatus(transfer.getId(),
+                CollUtil.newArrayList(WAITING.getStatus()),
+                new PayTransferDO().setStatus(IN_PROGRESS.getStatus()));
+        if (updateCounts == 0) {
+            throw exception(PAY_TRANSFER_STATUS_IS_NOT_WAITING);
+        }
+        log.info("[notifyTransferInProgress][transfer({}) 更新为转账进行中状态]", transfer.getId());
+
+        // 3. 插入转账通知记录
+        notifyService.createPayNotifyTask(PayNotifyTypeEnum.TRANSFER.getType(),
+                transfer.getId());
     }
 
+
     private void notifyTransferSuccess(PayChannelDO channel, PayTransferRespDTO notify) {
         // 1.校验
         PayTransferDO transfer = transferMapper.selectByNo(notify.getOutTransferNo());
@@ -210,6 +240,56 @@ public class PayTransferServiceImpl implements PayTransferService {
 
     }
 
+    @Override
+    public PayTransferDO getTransfer(Long id) {
+        return transferMapper.selectById(id);
+    }
+
+    @Override
+    public PageResult<PayTransferDO> getTransferPage(PayTransferPageReqVO pageReqVO) {
+        return transferMapper.selectPage(pageReqVO);
+    }
+
+    @Override
+    public int syncTransfer() {
+        List<PayTransferDO> list = transferMapper.selectListByStatus(WAITING.getStatus());
+        if (CollUtil.isEmpty(list)) {
+            return 0;
+        }
+        int count = 0;
+        for (PayTransferDO transfer : list) {
+            count += syncTransfer(transfer) ? 1 : 0;
+        }
+        return count;
+    }
+
+    private boolean syncTransfer(PayTransferDO transfer) {
+        try {
+            // 1. 查询转账订单信息
+            PayClient payClient = channelService.getPayClient(transfer.getChannelId());
+            if (payClient == null) {
+                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()));
+
+            // 2. 回调转账结果
+            notifyTransfer(transfer.getChannelId(), resp);
+            return true;
+        } catch (Throwable ex) {
+            log.error("[syncTransfer][transfer({}) 同步转账单状态异常]", transfer.getId(), ex);
+            return false;
+        }
+    }
+
+    private void notifyTransfer(Long channelId, PayTransferRespDTO notify) {
+        // 校验渠道是否有效
+        PayChannelDO channel = channelService.validPayChannel(channelId);
+        // 通知转账结果给对应的业务
+        TenantUtils.execute(channel.getTenantId(), () -> getSelf().notifyTransfer(channel, notify));
+    }
+
     /**
      * 获得自身的代理对象，解决 AOP 生效问题
      *