>更新时间：2026.07.08

# 微信支付 - 商家转账（普通商户）文档索引

> 商家转账是微信支付面向商户推出的免费转账产品，仅支持商户向用户微信零钱转账，资金实时到账且成功后不可退回。需用户在微信官方页面确认收款，支持营销奖励、佣金、赔付、货款、报销等多场景，可实名验权、查询记录并获取电子回单，安全高效。

## 接入指引
- [业务示例代码](https://pay.weixin.qq.com/doc/v3/merchant/4018940876.md)
- [产品介绍](https://pay.weixin.qq.com/doc/v3/merchant/4012711988.md)
- [常见问题](https://pay.weixin.qq.com/doc/v3/merchant/4013778940.md)
- [开发指引](https://pay.weixin.qq.com/doc/v3/merchant/4012715211.md)
- [开发接入准备](https://pay.weixin.qq.com/doc/v3/merchant/4013740645.md)
- [错误码](https://pay.weixin.qq.com/doc/v3/merchant/4020801391.md)

## API 列表
### 发起转账
- [发起转账](https://pay.weixin.qq.com/doc/v3/merchant/4012716434.md)
- [JSAPI调起用户确认收款](https://pay.weixin.qq.com/doc/v3/merchant/4012716430.md)
- [撤销转账](https://pay.weixin.qq.com/doc/v3/merchant/4012716458.md)
- [商户单号查询转账单](https://pay.weixin.qq.com/doc/v3/merchant/4012716437.md)
- [微信单号查询转账单](https://pay.weixin.qq.com/doc/v3/merchant/4012716457.md)
- [商家转账回调通知](https://pay.weixin.qq.com/doc/v3/merchant/4012712115.md)
#### APP调起用户确认收款
- [APP调起用户确认收款-Android](https://pay.weixin.qq.com/doc/v3/merchant/4012719576.md)
- [APP调起用户确认收款-iOS](https://pay.weixin.qq.com/doc/v3/merchant/4012719578.md)
- [APP调起用户确认收款-鸿蒙](https://pay.weixin.qq.com/doc/v3/merchant/4019670774.md)
### 获取电子回单
- [商户单号申请电子回单](https://pay.weixin.qq.com/doc/v3/merchant/4012716452.md)
- [商户单号查询电子回单](https://pay.weixin.qq.com/doc/v3/merchant/4012716436.md)
- [微信单号申请电子回单](https://pay.weixin.qq.com/doc/v3/merchant/4012716456.md)
- [微信单号查询电子回单](https://pay.weixin.qq.com/doc/v3/merchant/4012716455.md)
- [下载电子回单](https://pay.weixin.qq.com/doc/v3/merchant/4013866774.md)
### 用户授权免确认模式
- [发起转账并完成免确认收款授权](https://pay.weixin.qq.com/doc/v3/merchant/4014399293.md)
- [发起免确认收款授权](https://pay.weixin.qq.com/doc/v3/merchant/4015901167.md)
- [JSAPI调起免确认收款授权](https://pay.weixin.qq.com/doc/v3/merchant/4015930512.md)
- [商户单号查询授权结果](https://pay.weixin.qq.com/doc/v3/merchant/4014399423.md)
- [用户授权后转账](https://pay.weixin.qq.com/doc/v3/merchant/4014399371.md)
- [免确认收款授权结果通知](https://pay.weixin.qq.com/doc/v3/merchant/4014512908.md)
- [解除免确认收款授权](https://pay.weixin.qq.com/doc/v3/merchant/4015653811.md)
#### APP调起用户免确认收款授权
- [Android](https://pay.weixin.qq.com/doc/v3/merchant/4020320167.md)
- [iOS](https://pay.weixin.qq.com/doc/v3/merchant/4020320150.md)
- [鸿蒙](https://pay.weixin.qq.com/doc/v3/merchant/4020320137.md)

## 请求示例
- [发起免确认收款授权 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4015901167-curl.md)
- [发起免确认收款授权 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4015901167-java.md)
- [发起免确认收款授权 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4015901167-go.md)
- [发起转账 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716434-curl.md)
- [发起转账 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716434-java.md)
- [发起转账 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716434-go.md)
- [发起转账并完成免确认收款授权 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4014399293-curl.md)
- [发起转账并完成免确认收款授权 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4014399293-java.md)
- [发起转账并完成免确认收款授权 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4014399293-go.md)
- [商户单号查询授权结果 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4014399423-curl.md)
- [商户单号查询授权结果 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4014399423-java.md)
- [商户单号查询授权结果 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4014399423-go.md)
- [商户单号查询电子回单 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716436-curl.md)
- [商户单号查询电子回单 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716436-java.md)
- [商户单号查询电子回单 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716436-go.md)
- [商户单号查询转账单 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716437-curl.md)
- [商户单号查询转账单 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716437-java.md)
- [商户单号查询转账单 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716437-go.md)
- [商户单号申请电子回单 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716452-curl.md)
- [商户单号申请电子回单 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716452-java.md)
- [商户单号申请电子回单 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716452-go.md)
- [微信单号查询电子回单 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716455-curl.md)
- [微信单号查询电子回单 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716455-java.md)
- [微信单号查询电子回单 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716455-go.md)
- [微信单号查询转账单 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716457-curl.md)
- [微信单号查询转账单 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716457-java.md)
- [微信单号查询转账单 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716457-go.md)
- [微信单号申请电子回单 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716456-curl.md)
- [微信单号申请电子回单 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716456-java.md)
- [微信单号申请电子回单 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716456-go.md)
- [撤销转账 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716458-curl.md)
- [撤销转账 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716458-java.md)
- [撤销转账 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4012716458-go.md)
- [用户授权后转账 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4014399371-curl.md)
- [用户授权后转账 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4014399371-java.md)
- [用户授权后转账 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4014399371-go.md)
- [解除免确认收款授权 - curl 示例](https://pay.weixin.qq.com/doc/v3/merchant/4015653811-curl.md)
- [解除免确认收款授权 - Java 示例](https://pay.weixin.qq.com/doc/v3/merchant/4015653811-java.md)
- [解除免确认收款授权 - Go 示例](https://pay.weixin.qq.com/doc/v3/merchant/4015653811-go.md)

## 附录
- [充值](https://pay.weixin.qq.com/doc/v3/merchant/4013747269.md)
- [设置接口安全IP](https://pay.weixin.qq.com/doc/v3/merchant/4013751010.md)
- [设置转账额度](https://pay.weixin.qq.com/doc/v3/merchant/4013747667.md)
- [获取账单和电子回单](https://pay.weixin.qq.com/doc/v3/merchant/4013748430.md)
- [订单失败原因说明](https://pay.weixin.qq.com/doc/v3/merchant/4013774966.md)
- [商家转账到零钱升级说明](https://pay.weixin.qq.com/doc/v3/merchant/4015273741.md)
### 转账场景报备信息字段传参说明
- [现金营销](https://pay.weixin.qq.com/doc/v3/merchant/4013774588.md)
- [企业赔付](https://pay.weixin.qq.com/doc/v3/merchant/4013774589.md)
- [佣金报酬](https://pay.weixin.qq.com/doc/v3/merchant/4013774590.md)
- [采购货款](https://pay.weixin.qq.com/doc/v3/merchant/4013774591.md)
- [二手回收](https://pay.weixin.qq.com/doc/v3/merchant/4013774592.md)
- [公益补助](https://pay.weixin.qq.com/doc/v3/merchant/4013774593.md)
- [行政补贴](https://pay.weixin.qq.com/doc/v3/merchant/4013774594.md)
- [保险理赔](https://pay.weixin.qq.com/doc/v3/merchant/4013774595.md)

