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 1de0de2fc..bd961dfa3 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
@@ -13,6 +13,11 @@ import java.time.LocalDateTime;
 @Data
 public class PayTransferRespDTO {
 
+    /**
+     * 转账状态
+     *
+     * 关联 {@link  PayTransferStatusRespEnum#getStatus()}
+     */
     private Integer status;
 
     /**
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
index 6d1ef3998..2cb2267cc 100644
--- 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
@@ -51,7 +51,7 @@ public class PayTransferUnifiedReqDTO {
     private String title;
 
     /**
-     * 收款方信息，转账类型不同信息不同
+     * 收款方信息，转账类型不同，收款方信息不同
      */
     @NotEmpty(message = "收款方信息 不能为空")
     private Map<String, String> payeeInfo;
diff --git a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImpl.java b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImpl.java
index 0b39587ab..8e85bd4cd 100644
--- a/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImpl.java
+++ b/yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/PayClientFactoryImpl.java
@@ -50,6 +50,8 @@ public class PayClientFactoryImpl implements PayClientFactory {
         clientClass.put(ALIPAY_APP, AlipayAppPayClient.class);
         clientClass.put(ALIPAY_PC, AlipayPcPayClient.class);
         clientClass.put(ALIPAY_BAR, AlipayBarPayClient.class);
+        // 支付包转账客户端
+        clientClass.put(ALIPAY_TRANSFER, AlipayTransferClient.class);
         // Mock 支付客户端
         clientClass.put(MOCK, MockPayClient.class);
     }
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 e62120ae5..ceafe5a30 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
@@ -151,7 +151,7 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient<AlipayPa
         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")) {
+            if (ObjectUtils.equalsAny(response.getSubCode(), "ACQ.SYSTEM_ERROR", "SYSTEM_ERROR")) {
                 return PayRefundRespDTO.waitingOf(null, reqDTO.getOutRefundNo(), response);
             }
             return PayRefundRespDTO.failureOf(response.getSubCode(), response.getSubMsg(), reqDTO.getOutRefundNo(), response);
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
index 4daed831b..565d96da4 100644
--- 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
@@ -3,6 +3,7 @@ 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.common.util.object.ObjectUtils;
 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;
@@ -18,8 +19,6 @@ 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;
 
@@ -82,12 +81,11 @@ public class AlipayTransferClient extends AbstractAlipayPayClient {
                 // 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")) {
+                    if (ObjectUtils.equalsAny(response.getSubCode(), "SYSTEM_ERROR", "ACQ.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);