diff --git a/backend/application/api/controller/Account.php b/backend/application/api/controller/Account.php
index 06d5666..d68894f 100644
--- a/backend/application/api/controller/Account.php
+++ b/backend/application/api/controller/Account.php
@@ -10,18 +10,22 @@ use app\common\service\AccountWithdrawService;
 use app\common\service\CategoryService;
 use app\common\service\DemandBiddingService;
 use app\common\service\DemandService;
+use app\common\service\EasyWeChatService;
 use app\common\service\GoodsService;
 use app\common\model\Category;
 use app\common\service\OrderService;
+use app\common\service\TransferAuthorizationService;
 use app\common\service\UserService;
+use EasyWeChat\Pay\Message as PayMessage;
 use fast\Tree;
 use think\Exception;
 use think\exception\HttpResponseException;
+use think\Log;
 use think\Validate;
 
 class Account extends Api
 {
-    protected $noNeedLogin = [];
+    protected $noNeedLogin = ['transferAuthorizationNotify'];
     protected $noNeedRight = ['*'];
 
     public function logs()
@@ -94,4 +98,65 @@ class Account extends Api
             $this->error($e->getMessage());
         }
     }
+
+    /**
+     * 免确认收款授权(发起/查询)，供前端 wx.requestMerchantTransfer 拉起授权页
+     * @ApiMethod (POST)
+     */
+    public function transferAuthorization()
+    {
+        try {
+            $user_id = $this->auth->id ?? 0;
+            if (!$user_id) {
+                throw new \Exception('请先登录');
+            }
+            $user = UserService::get($user_id);
+            if (!$user) {
+                throw new \Exception('用户不存在');
+            }
+            //授权详情展示账号名：优先微信实名(提现填写的姓名)，其次昵称
+            $displayName = $user->username ?: ($user->nickname ?: '');
+            $res = TransferAuthorizationService::apply($user, $displayName);
+
+            $this->success('', $res);
+        } catch (\Exception $e) {
+            if ($e instanceof HttpResponseException) {
+                throw $e;
+            }
+            $this->error($e->getMessage());
+        }
+    }
+
+    /**
+     * 免确认收款授权结果回调(微信异步通知,已加入 noNeedLogin)
+     * @return void
+     */
+    public function transferAuthorizationNotify()
+    {
+        header('Content-Type: application/json; charset=utf-8');
+        try {
+            // PSR-7 响应(SDK 已完成验签/解密,业务失败返回 500 由微信重试)
+            $response = (new EasyWeChatService())->handleTransferAuthorizationNotify(
+                function (PayMessage $message) {
+                    TransferAuthorizationService::handleAuthorizationNotify($message->toArray());
+                }
+            );
+            http_response_code($response->getStatusCode());
+            foreach ($response->getHeaders() as $name => $values) {
+                header($name . ': ' . implode(', ', $values));
+            }
+            $body = $response->getBody()->getContents();
+            Log::info('免确认收款授权回调[应答] http_code=' . $response->getStatusCode() . ' body=' . $body);
+            echo $body;
+            exit;
+        } catch (\Throwable $e) {
+            Log::error('免确认收款授权回调[异常]：' . json_encode([
+                'msg'  => $e->getMessage(),
+                'file' => $e->getFile() . ':' . $e->getLine(),
+            ], JSON_UNESCAPED_UNICODE));
+            http_response_code(500);
+            echo json_encode(['code' => 'FAIL', 'message' => $e->getMessage()], JSON_UNESCAPED_UNICODE);
+            exit;
+        }
+    }
 } 
\ No newline at end of file
diff --git a/backend/application/common/model/account/TransferAuthorizations.php b/backend/application/common/model/account/TransferAuthorizations.php
new file mode 100644
index 0000000..58cf36e
--- /dev/null
+++ b/backend/application/common/model/account/TransferAuthorizations.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace app\common\model\account;
+
+use think\Model;
+
+/**
+ * 免确认收款授权记录
+ * 一个用户对应唯一一个生效中的授权（微信侧限制同一用户同一场景最多 5 个生效授权）
+ */
+class TransferAuthorizations extends Model
+{
+    // 表名
+    protected $name = 'transfer_authorizations';
+
+    // 自动写入时间戳字段
+    protected $autoWriteTimestamp = 'integer';
+
+    // 定义时间戳字段名
+    protected $createTime = 'createtime';
+    protected $updateTime = 'updatetime';
+    protected $deleteTime = false;
+}
diff --git a/backend/application/common/service/AccountWithdrawService.php b/backend/application/common/service/AccountWithdrawService.php
index aa20973..a66e925 100644
--- a/backend/application/common/service/AccountWithdrawService.php
+++ b/backend/application/common/service/AccountWithdrawService.php
@@ -163,13 +163,19 @@ class AccountWithdrawService
             AccountService::updateData($userId, 0, -$amount, 0,0, $log_res->id);
 
             if($type == AccountWithdrawService::TYPE_WECHAT){
-                //发起微信商家转账到用户零钱(v3,原 v2 企业付款已停用)
-                $payRes = (new EasyWeChatService())->mchPay($withdraw_record->apply_sn, $user->openid, $user->username, $amount);
-                if (empty($payRes['batch_id'])) {
+                //免确认收款授权校验：未授权无法以授权单发起转账
+                $auth = TransferAuthorizationService::getByUserId($userId);
+                if (!TransferAuthorizationService::isAuthorized($userId)) {
+                    throw new \Exception('该用户未完成免确认收款授权，无法发起转账，请通知用户在小程序余额页完成授权后重新审核');
+                }
+                //发起微信商家转账到用户零钱(v3授权转账：以授权单定位收款人，免用户确认收款)
+                $payRes = (new EasyWeChatService())->mchPay($withdraw_record->apply_sn, $user->username, $amount, $auth->out_authorization_no);
+                //以 transfer_bill_no(微信转账单号) 判断单据是否创建成功
+                if (empty($payRes['transfer_bill_no'])) {
                     throw new \Exception($payRes['message'] ?? '商家转账发起失败');
                 }
-                //批次受理成功(资金到账以微信侧为准,可通过 queryBalance 查询批次状态)
-                $withdraw_record->result_status = 'SUCCESS';
+                //授权转账免用户确认，状态记为微信返回的 state，最终以回调/查单为准
+                $withdraw_record->result_status = $payRes['state'] ?? '';
                 $withdraw_record->save();
             }
         } else {
diff --git a/backend/application/common/service/EasyWeChatService.php b/backend/application/common/service/EasyWeChatService.php
index 7b2af73..774fe7e 100644
--- a/backend/application/common/service/EasyWeChatService.php
+++ b/backend/application/common/service/EasyWeChatService.php
@@ -138,60 +138,191 @@ class EasyWeChatService
     }
 
     /**
-     * 商家转账到零钱(v3, 原 v2 企业付款已停用)
-     * 需在商户平台开通「商家转账」产品权限
-     * @param string $order_sn 提现单号(字母或数字)
-     * @param string $openid
-     * @param string $name 收款用户姓名(商家转账不校验时可留空)
+     * 免确认收款转账（商家转账-用户已授权模式）
+     * 接口：POST /v3/fund-app/mch-transfer/transfer-bills/transfer
+     * 前置：用户需先通过 /v3/fund-app/mch-transfer/user-confirm-authorization 完成授权，
+     *       转账时以授权单(out_authorization_no / authorization_id 二选一)定位收款人
+     * 文档：https://pay.weixin.qq.com/doc/v3/merchant/4014399371
+     * @param string $order_sn 提现单号(out_bill_no, 字母或数字)
+     * @param string $name 收款用户姓名(金额>=2000元时必须传，需加密)
      * @param float $amount 金额(单位:元)
-     * @param string $desc
-     * @return array {out_batch_no, batch_id, create_time};失败时含 message
+     * @param string $out_authorization_no 商户侧授权单号
+     * @param string $desc 转账备注(≤32 字符)
+     * @return array {out_bill_no, transfer_bill_no, state, transfer_amount, ...};失败时含 message
      */
-    public function mchPay($order_sn, $openid, $name, $amount, $desc = '用户提现')
+    public function mchPay($order_sn, $name, $amount, $out_authorization_no, $desc = '用户提现')
     {
-        $params = [
-            'appid'              => $this->config['app_id'],
-            'out_batch_no'       => $order_sn,
-            'batch_name'         => '用户提现',
-            'batch_remark'       => $desc,
-            'total_amount'       => (int)round($amount * 100), // 转为分
-            'total_num'          => 1,
-            'transfer_detail_list' => [
-                [
-                    'out_detail_no'   => $order_sn . 'D1', // 明细单号(字母数字,保持唯一)
-                    'transfer_amount' => (int)round($amount * 100),
-                    'transfer_remark' => $desc,
-                    'openid'          => $openid,
+        try {
+            $params = [
+                'appid'               => $this->config['app_id'],
+                'out_bill_no'         => $order_sn,
+                'transfer_scene_id'   => $this->config['transfer_scene_id'] ?? '',
+                'transfer_amount'     => (int)round($amount * 100), // 转为分
+                'transfer_remark'     => mb_substr($desc, 0, 32), // 最多 32 字符
+                //授权转账：以授权单定位收款人，不再传 openid
+                'out_authorization_no' => $out_authorization_no,
+                //必须传转账场景报备信息，需按商户平台申请的场景准确填写
+                'transfer_scene_report_infos' => [
+                    [
+                        'info_type'    => '活动名称',
+                        'info_content' => mb_substr($desc ?: '佣金报酬', 0, 32),
+                    ],
                 ],
-            ],
-        ];
-        Log::info('商家转账-params' . json_encode($params, JSON_UNESCAPED_UNICODE));
-        $response = $this->payApp->getClient()->postJson('v3/transfer/batches', $params);
-        $res = $response->toArray(false);
-        Log::info('商家转账-res' . json_encode($res, JSON_UNESCAPED_UNICODE));
+            ];
+            //规则：转账金额 >= 2,000 元时必须传入收款人姓名(加密)
+            if ($amount >= 2000 && $name !== '') {
+                $params['user_name'] = $this->encryptSensitive($name);
+            }
+            //含敏感字段加密时须带 Wechatpay-Serial（微信支付公钥ID/平台证书序列号）
+            $client = $this->payApp->getClient();
+            $platformCerts = $this->config['platform_certs'] ?? [];
+            if ($platformCerts) {
+                $client = $client->withHeader('Wechatpay-Serial', (string)array_key_first($platformCerts));
+            }
+            Log::info('商家转账-params' . json_encode($params, JSON_UNESCAPED_UNICODE));
+            $response = $client->postJson('v3/fund-app/mch-transfer/transfer-bills/transfer', $params);
+            $res = $response->toArray(false);
+            Log::info('商家转账-res' . json_encode($res, JSON_UNESCAPED_UNICODE));
 
-        return $res;
+            return $res;
+        } catch (\Exception $e) {
+            Log::error('商家转账请求异常:' . $e->getMessage());
+            return [
+                'message' => $e->getMessage(),
+            ];
+        }
     }
 
     /**
-     * 查询商家转账批次状态
-     * @param string $apply_sn 商家转账单号(out_batch_no)
-     * @return array 转账批次状态及明细
+     * 发起免确认收款授权（用户确认模式的前置授权）
+     * 接口：POST /v3/fund-app/mch-transfer/user-confirm-authorization
+     * 返回 package_info 供前端 wx.requestMerchantTransfer 拉起授权页
+     * 文档：https://pay.weixin.qq.com/doc/v3/merchant/4015901167
+     * @param string $out_authorization_no 商户侧授权单号(每用户唯一，未确认单30天后单号可复用)
+     * @param string $openid 收款用户 openid
+     * @param string $display_name 授权详情展示的开通账号名称(≤32字符)
+     * @return array {out_authorization_no, state, create_time, package_info};失败时含 message
+     */
+    public function applyTransferAuthorization($out_authorization_no, $openid, $display_name)
+    {
+        try {
+            $params = [
+                'appid'                     => $this->config['app_id'],
+                'out_authorization_no'      => $out_authorization_no,
+                'openid'                    => $openid,
+                'transfer_scene_id'         => $this->config['transfer_scene_id'] ?? '',
+                'user_display_name'         => mb_substr($display_name, 0, 32),
+                'authorization_notify_url'  => $this->config['transfer_authorization_notify_url'] ?? '',
+            ];
+            Log::info('免确认收款授权-params' . json_encode($params, JSON_UNESCAPED_UNICODE));
+            $response = $this->payApp->getClient()->postJson('v3/fund-app/mch-transfer/user-confirm-authorization', $params);
+            $res = $response->toArray(false);
+            Log::info('免确认收款授权-res' . json_encode($res, JSON_UNESCAPED_UNICODE));
+
+            return $res;
+        } catch (\Exception $e) {
+            Log::error('免确认收款授权请求异常:' . $e->getMessage());
+            return [
+                'message' => $e->getMessage(),
+            ];
+        }
+    }
+
+    /**
+     * 处理免确认收款授权结果回调（验签+解密），返回 PSR-7 响应
+     * 注意：handlePaid 只处理 TRANSACTION.SUCCESS，授权回调须用通用管道
+     * @param \Closure $handler function(PayMessage $message){ 业务处理;异常时抛出则返回失败 }
+     * @return \Psr\Http\Message\ResponseInterface
+     */
+    public function handleTransferAuthorizationNotify(\Closure $handler)
+    {
+        $traceId = date('YmdHis') . substr(md5(uniqid('', true)), 0, 6);
+        Log::info('免确认收款授权回调[收到请求] trace=' . $traceId . ' ' . json_encode([
+            'body' => (string)$this->payApp->getRequest()->getBody(),
+        ], JSON_UNESCAPED_UNICODE));
+
+        $server = $this->payApp->getServer();
+        $server->with(function (PayMessage $message, \Closure $next) use ($handler, $traceId) {
+            Log::info('免确认收款授权回调[解密数据] trace=' . $traceId . ' ' . json_encode($message->toArray(), JSON_UNESCAPED_UNICODE));
+
+            //回调签名验证(失败抛异常 -> serve 返回失败,微信将重试)
+            $this->payApp->getValidator()->validate($this->payApp->getRequest());
+
+            $handler($message, $traceId);
+
+            return $next($message);
+        });
+
+        return $server->serve();
+    }
+
+    /**
+     * 查询新版商家转账单状态
+     * @param string $out_bill_no 商户单号
+     * @return array 转账单状态及明细
+     */
+    public function queryTransferBill($out_bill_no)
+    {
+        try {
+            $response = $this->payApp->getClient()->get(
+                "v3/fund-app/mch-transfer/transfer-bills/out-bill-no/{$out_bill_no}"
+            );
+            $res = $response->toArray(false);
+            Log::info('查询商家转账单-res' . json_encode($res, JSON_UNESCAPED_UNICODE));
+
+            return $res;
+        } catch (\Exception $e) {
+            Log::error('查询商家转账单异常:' . $e->getMessage());
+            return [
+                'message' => $e->getMessage(),
+            ];
+        }
+    }
+
+    /**
+     * 敏感信息加密：新版商家转账的收款人姓名需使用微信支付公钥加密(RSA-OAEP)
+     * @param string $plaintext
+     * @return string base64 密文
+     * @throws \Exception
+     */
+    public function encryptSensitive(string $plaintext): string
+    {
+        if ($plaintext === '') {
+            return '';
+        }
+
+        $platformCerts = $this->config['platform_certs'] ?? [];
+        if (!$platformCerts) {
+            throw new \Exception('未配置微信支付公钥(platform_certs)，无法加密收款人姓名');
+        }
+        //取第一个可用公钥(微信支付公钥ID -> 公钥文件)
+        $certFile = reset($platformCerts);
+        if (!is_file($certFile)) {
+            throw new \Exception('微信支付公钥文件不存在：' . $certFile);
+        }
+
+        $publicKey = openssl_pkey_get_public(file_get_contents($certFile));
+        if (!$publicKey) {
+            throw new \Exception('微信支付公钥解析失败');
+        }
+
+        $encrypted = '';
+        if (!openssl_public_encrypt($plaintext, $encrypted, $publicKey, OPENSSL_PKCS1_OAEP_PADDING)) {
+            throw new \Exception('收款人姓名加密失败');
+        }
+
+        return base64_encode($encrypted);
+    }
+
+    /**
+     * 查询商家转账单状态（提现已改用新版接口，统一走新版查询）
+     * @param string $apply_sn 提现单号(out_bill_no)
+     * @return array 转账单状态及明细
      */
     public function queryBalance($apply_sn)
     {
-        $response = $this->payApp->getClient()->get("v3/transfer/batches/out-batch-no/{$apply_sn}", [
-            'query' => [
-                'need_query_detail' => 'true',
-                'offset'            => 0,
-                'limit'             => 20,
-                'detail_status'     => 'ALL',
-            ],
-        ]);
-        $res = $response->toArray(false);
-        Log::info('商家转账查询-res' . json_encode(['apply_sn' => $apply_sn, 'res' => $res], JSON_UNESCAPED_UNICODE));
-
-        return $res;
+        //提现单已改用新版商家转账接口创建，查询统一走新版，避免查不到单据
+        return $this->queryTransferBill($apply_sn);
     }
 
     /**
diff --git a/backend/application/common/service/TransferAuthorizationService.php b/backend/application/common/service/TransferAuthorizationService.php
new file mode 100644
index 0000000..fa2cc7a
--- /dev/null
+++ b/backend/application/common/service/TransferAuthorizationService.php
@@ -0,0 +1,156 @@
+<?php
+
+namespace app\common\service;
+
+use app\common\model\account\TransferAuthorizations;
+use app\common\traits\ServiceTrait;
+use think\Log;
+
+/**
+ * 免确认收款授权（商家转账-用户确认模式的前置授权）
+ * 流程：
+ *  1. 用户发起提现时，前端调本服务 apply() 发起授权申请，
+ *     拿到 package_info 后用 wx.requestMerchantTransfer 拉起授权页；
+ *  2. 用户授权成功后，微信异步回调 transferAuthorizationNotify，
+ *     本服务记录 authorization_id 并将状态置为 TAKING_EFFECT；
+ *  3. 后台审核提现时，校验授权为 TAKING_EFFECT 后走
+ *     /v3/fund-app/mch-transfer/transfer-bills/transfer 完成免确认转账。
+ * 文档：https://pay.weixin.qq.com/doc/v3/merchant/4015901167
+ */
+class TransferAuthorizationService
+{
+    use ServiceTrait;
+
+    /** @var TransferAuthorizations */
+    public static $Model = TransferAuthorizations::class;
+
+    // 授权状态
+    const STATE_WAIT_USER_CONFIRM = 'WAIT_USER_CONFIRM'; //已受理，待用户确认
+    const STATE_TAKING_EFFECT = 'TAKING_EFFECT'; //已授权，生效中（长期有效，直至主动解除）
+
+    /**
+     * 生成商户侧授权单号：一个用户固定一个单号。
+     * 微信规则：未确认的授权单 30 天后单号可复用重新发起，因此复用同一单号即可
+     * @param int $userId
+     * @return string 仅含字母数字，最长 32 位
+     */
+    public static function generateAuthNo($userId): string
+    {
+        return 'TXAUTH' . str_pad((string)intval($userId), 10, '0', STR_PAD_LEFT);
+    }
+
+    /**
+     * 获取用户的授权记录
+     * @param int $userId
+     * @return TransferAuthorizations|null
+     */
+    public static function getByUserId($userId)
+    {
+        return self::getOne(['user_id' => $userId]);
+    }
+
+    /**
+     * 用户是否已完成免确认收款授权
+     * @param int $userId
+     * @return bool
+     */
+    public static function isAuthorized($userId): bool
+    {
+        $record = self::getByUserId($userId);
+
+        return $record
+            && $record->state == self::STATE_TAKING_EFFECT
+            && $record->authorization_id;
+    }
+
+    /**
+     * 发起/获取免确认收款授权，供前端拉起授权页
+     * @param \app\common\model\Users $user 用户（需含 openid）
+     * @param string $displayName 授权详情中展示的开通账号名称
+     * @return array {authorized: bool, state, package_info?, mch_id?, app_id?}
+     * @throws \Exception
+     */
+    public static function apply($user, string $displayName = ''): array
+    {
+        $userId = $user->id;
+        if (empty($user->openid)) {
+            throw new \Exception('无法获取用户微信身份，请先登录小程序');
+        }
+
+        //已授权的用户直接返回，不再重复发起
+        $record = self::getByUserId($userId);
+        if ($record && self::isAuthorized($userId)) {
+            return [
+                'authorized' => true,
+                'state'       => $record->state,
+            ];
+        }
+
+        //发起授权申请（授权单号固定，复用同一单号可重新发起）
+        $authNo = self::generateAuthNo($userId);
+        $wechat = new EasyWeChatService();
+        $displayName = mb_substr($displayName ?: ($user->nickname ?: ('用户' . $userId)), 0, 32);
+        $res = $wechat->applyTransferAuthorization($authNo, $user->openid, $displayName);
+
+        if (empty($res['package_info'])) {
+            throw new \Exception($res['message'] ?? '发起免确认收款授权失败');
+        }
+
+        //保存/更新授权记录（package_info 用于前端拉起授权页，state 当前为待用户确认）
+        $data = [
+            'state'        => $res['state'] ?? self::STATE_WAIT_USER_CONFIRM,
+            'package_info' => $res['package_info'],
+        ];
+        if ($record) {
+            $record->save($data);
+        } else {
+            self::create(array_merge([
+                'user_id'              => $userId,
+                'out_authorization_no' => $authNo,
+                'authorization_id'     => '',
+            ], $data));
+        }
+
+        return [
+            'authorized'   => false,
+            'state'        => $data['state'],
+            'package_info' => $res['package_info'],
+            //前端 wx.requestMerchantTransfer 需要：商户号 + AppID + package
+            'mch_id'       => (string)$wechat->payApp->getMerchant()->getMerchantId(),
+            'app_id'       => $wechat->config['app_id'],
+        ];
+    }
+
+    /**
+     * 处理免确认收款授权结果回调（用户授权成功后微信异步通知）
+     * @param array $message 解密后的授权结果，含 out_authorization_no / authorization_id / state
+     * @return bool
+     */
+    public static function handleAuthorizationNotify(array $message): bool
+    {
+        $outAuthNo = trim((string)($message['out_authorization_no'] ?? ''));
+        $authorizationId = trim((string)($message['authorization_id'] ?? ''));
+        $state = trim((string)($message['state'] ?? ''));
+        if (!$outAuthNo || !$authorizationId) {
+            Log::error('免确认收款授权回调参数缺失:' . json_encode($message, JSON_UNESCAPED_UNICODE));
+            return false;
+        }
+
+        $record = self::getOne(['out_authorization_no' => $outAuthNo]);
+        if (!$record) {
+            Log::error('免确认收款授权回调找不到授权记录:' . $outAuthNo);
+            return false;
+        }
+
+        //记录微信侧授权单号，标记授权生效（授权长期有效，直至用户或商户主动解除）
+        $record->authorization_id = $authorizationId;
+        $record->state = $state ?: self::STATE_TAKING_EFFECT;
+        $record->save();
+        Log::info('免确认收款授权生效:' . json_encode([
+            'user_id' => $record->user_id,
+            'state'   => $record->state,
+        ], JSON_UNESCAPED_UNICODE));
+
+        return true;
+    }
+}
diff --git a/backend/application/extra/common.php b/backend/application/extra/common.php
index d101a33..548edd3 100644
--- a/backend/application/extra/common.php
+++ b/backend/application/extra/common.php
@@ -26,5 +26,11 @@ return [
             : [],
         // 支付结果通知地址(也可在下单时单独覆盖)
         'notify_url'    => Env::get('app.url') . '/api/order/payNotify',
+        // 新版商家转账（用户确认模式）转账场景ID：1005=佣金报酬
+        'transfer_scene_id' => Env::get('wechat.transfer_scene_id', '1005'),
+        // 新版商家转账结果回调地址（公网可访问、HTTPS、不带参数）
+        'transfer_notify_url' => Env::get('app.url') . '/api/account/transferNotify',
+        // 免确认收款授权结果回调地址（公网可访问、HTTPS、不带参数）
+        'transfer_authorization_notify_url' => Env::get('app.url') . '/api/account/transferAuthorizationNotify',
     ],
 ];
\ No newline at end of file
diff --git a/frontend/miniapp/config/api.js b/frontend/miniapp/config/api.js
index 46add54..f7726c3 100644
--- a/frontend/miniapp/config/api.js
+++ b/frontend/miniapp/config/api.js
@@ -102,6 +102,7 @@ module.exports = {
   FetchAccountInfo: ApiRootUrl + 'account/info', //账户详情
   FetchAccountLogs: ApiRootUrl + 'account/logs', //余额日志
   AccountApplyWithdraw: ApiRootUrl + 'account/applyWithdraw', //提现申请
+  AccountTransferAuthorization: ApiRootUrl + 'account/transferAuthorization', //免确认收款授权(发起/查询)
 
   // 消息
   MessageList: ApiRootUrl + 'message/list', //消息列表
diff --git a/frontend/miniapp/pages/usercenter/balance/index.js b/frontend/miniapp/pages/usercenter/balance/index.js
index e0aa48f..316adb0 100644
--- a/frontend/miniapp/pages/usercenter/balance/index.js
+++ b/frontend/miniapp/pages/usercenter/balance/index.js
@@ -1,5 +1,5 @@
 // pages/usercenter/balance/index.js
-import { fetchAccountInfo, fetchAccountLogs, accountApplyWithdraw } from '../../../services/usercenter/fetchBalance';
+import { fetchAccountInfo, fetchAccountLogs, accountApplyWithdraw, fetchTransferAuthorization } from '../../../services/usercenter/fetchBalance';
 Page({
 
   /**
@@ -24,6 +24,7 @@ Page({
       { title: '提现次数', desc: '每个自然日最多可发起 10 次提现申请' },
       { title: '单日限额', desc: '同一自然日累计提现金额不超过 2000 元，超出请次日再试' },
       { title: '到账方式', desc: '转账至本人微信零钱，需填写与微信实名一致的姓名' },
+      { title: '免确认收款', desc: '提现需完成免确认收款授权，授权后审核通过将直接到账零钱' },
       { title: '到账时间', desc: '审核通过后 1-3 个工作日内到账，节假日顺延' },
       { title: '审核说明', desc: '工作日统一审核处理，审核期间该笔金额将暂时冻结' },
       { title: '驳回处理', desc: '被驳回的提现金额将自动退回可提现余额，可重新发起' },
@@ -152,6 +153,45 @@ Page({
     this.setData({ withdrawName: e.detail.value });
   },
   onConfirmWithdraw() {
+    const { withdrawName, withdrawAmount } = this.data;
+    //提交前提现先确保完成免确认收款授权（授权后审核通过即可免确认直接到账零钱）
+    this.ensureTransferAuthorized()
+      .then(() => this.submitWithdraw())
+      .catch((msg) => {
+        wx.showToast({ title: typeof msg === 'string' && msg ? msg : '未完成授权，已取消提现', icon: 'none' });
+      });
+  },
+  // 确保完成免确认收款授权：已授权直接通过；未授权拉起微信授权页
+  ensureTransferAuthorized() {
+    return new Promise((resolve, reject) => {
+      fetchTransferAuthorization().then((res) => {
+        if (res.code != 1) {
+          reject(res.msg || '获取授权状态失败');
+          return;
+        }
+        const data = res.data || {};
+        if (data.authorized) {
+          resolve();
+          return;
+        }
+        wx.requestMerchantTransfer({
+          mchId: data.mch_id,
+          appId: data.app_id,
+          package: data.package_info,
+          success: () => {
+            wx.showToast({ title: '授权成功', icon: 'success' });
+            resolve();
+          },
+          fail: (err) => {
+            console.log('requestMerchantTransfer fail', err);
+            reject('需完成免确认收款授权后才能提现');
+          },
+        });
+      }).catch(() => reject('网络异常，请稍后重试'));
+    });
+  },
+  // 原提现提交逻辑
+  submitWithdraw() {
     const { withdrawName, withdrawAmount } = this.data;
     let params = {
       'name': withdrawName,
diff --git a/frontend/miniapp/services/usercenter/fetchBalance.js b/frontend/miniapp/services/usercenter/fetchBalance.js
index 2267e54..b0288b1 100644
--- a/frontend/miniapp/services/usercenter/fetchBalance.js
+++ b/frontend/miniapp/services/usercenter/fetchBalance.js
@@ -13,4 +13,9 @@ export function fetchAccountLogs(param) {
 /** 获取提现申请 */
 export function accountApplyWithdraw(param) {
   return wx.$util.request(wx.$api.AccountApplyWithdraw, param, 'POST');
+}
+
+/** 免确认收款授权(发起/查询)，返回 package_info 供 wx.requestMerchantTransfer 拉起授权页 */
+export function fetchTransferAuthorization() {
+  return wx.$util.request(wx.$api.AccountTransferAuthorization, {}, 'POST');
 }
\ No newline at end of file