diff --git a/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/controller/trade/TransferAdminController.java b/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/controller/trade/TransferAdminController.java
index 35b1fb468..5c2f46080 100644
--- a/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/controller/trade/TransferAdminController.java
+++ b/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/controller/trade/TransferAdminController.java
@@ -17,8 +17,7 @@ import cn.daxpay.open.payment.trade.transfer.result.DouyinTransferOrderResult;
 import cn.daxpay.open.payment.trade.transfer.result.TransferCreateResult;
 import cn.daxpay.open.payment.trade.transfer.result.TransferTradeResult;
 import cn.daxpay.open.payment.trade.transfer.result.WechatTransferOrderResult;
-import cn.daxpay.open.platform.system.service.config.infra.PlatformUrlConfigService;
-import cn.hutool.core.util.StrUtil;
+import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferConfirmUrlService;
 import io.swagger.v3.oas.annotations.Operation;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import jakarta.validation.Valid;
@@ -43,7 +42,7 @@ import org.springframework.web.bind.annotation.RestController;
 public class TransferAdminController {
 
     private final TransferAdminService transferAdminService;
-    private final PlatformUrlConfigService platformUrlConfigService;
+    private final TransferConfirmUrlService transferConfirmUrlService;
 
     // ===== 微信转账 =====
 
@@ -104,19 +103,10 @@ public class TransferAdminController {
     public Result<TransferCreateResult> wechatCreate(@Valid @RequestBody TransferParam param) {
         String transferNo = transferAdminService.create("wechat", param);
         // 生成确认收款链接(供商户发给收款人在微信内打开)
-        String confirmUrl = buildConfirmUrl(transferNo);
+        String confirmUrl = transferConfirmUrlService.buildConfirmUrl(transferNo);
         return Res.ok(new TransferCreateResult().setTransferNo(transferNo).setConfirmUrl(confirmUrl));
     }
 
-    /// 生成微信转账确认收款链接
-    private String buildConfirmUrl(String transferNo) {
-        String base = platformUrlConfigService.getUrlConfig().getPaymentGatewayBaseUrl();
-        if (StrUtil.isBlank(base)) {
-            return null;
-        }
-        return StrUtil.format("{}/transfer-confirm/{}", base, transferNo);
-    }
-
     @PermCode(code = PermCodes.Action.MANAGE)
     @Operation(summary = "发起支付宝转账(运营端代发, 传 mchNo; FAIL 单复用原单号即重试)")
     @PostMapping("/alipay/create")
diff --git a/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/service/trade/TransferAdminService.java b/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/service/trade/TransferAdminService.java
index ae28cde14..cf1ff2a03 100644
--- a/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/service/trade/TransferAdminService.java
+++ b/daxpay-payment/daxpay-payment-admin/src/main/java/cn/daxpay/open/payment/admin/service/trade/TransferAdminService.java
@@ -22,6 +22,7 @@ import cn.daxpay.open.payment.trade.transfer.result.DouyinTransferOrderResult;
 import cn.daxpay.open.payment.trade.transfer.result.TransferTradeResult;
 import cn.daxpay.open.payment.trade.transfer.result.WechatTransferOrderResult;
 import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferCloseService;
+import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferConfirmUrlService;
 import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferStartService;
 import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferSyncService;
 import cn.daxpay.open.payment.trade.transfer.util.PayeeDesensitizeUtil;
@@ -48,6 +49,7 @@ public class TransferAdminService {
     private final TransferStartService transferStartService;
     private final TransferSyncService transferSyncService;
     private final TransferCloseService transferCloseService;
+    private final TransferConfirmUrlService transferConfirmUrlService;
     private final TransService transService;
 
     // ===== 微信转账 =====
@@ -67,6 +69,10 @@ public class TransferAdminService {
         WechatTransferOrder entity = wechatTransferOrderManager.findById(id)
                 .orElseThrow(() -> new DataNotExistException("pay.error.transfer.notFound"));
         WechatTransferOrderResult result = WechatTransferOrderConvert.CONVERT.toResult(entity);
+        // 待领取状态填充确认收款链接
+        if ("processing".equals(entity.getStatus())) {
+            result.setConfirmUrl(transferConfirmUrlService.buildConfirmUrl(entity.getTransferNo()));
+        }
         transService.translate(result);
         // 收款人信息脱敏
         PayeeDesensitizeUtil.desensitize(result);
diff --git a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/result/WechatTransferOrderResult.java b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/result/WechatTransferOrderResult.java
index 1e7bd8f91..aa84f45e1 100644
--- a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/result/WechatTransferOrderResult.java
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/result/WechatTransferOrderResult.java
@@ -84,6 +84,10 @@ public class WechatTransferOrderResult extends BaseResult {
     @Schema(description = "拉起转账确认参数")
     private String transferBody;
 
+    /// 确认收款链接(仅待领取 processing 状态返回, 供商户发给收款人在微信内打开)
+    @Schema(description = "确认收款链接(微信转账待领取)")
+    private String confirmUrl;
+
     /// 收款人姓名
     @Schema(description = "收款人姓名")
     private String userName;
diff --git a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferConfirmUrlService.java b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferConfirmUrlService.java
new file mode 100644
index 000000000..1fda556a8
--- /dev/null
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferConfirmUrlService.java
@@ -0,0 +1,31 @@
+package cn.daxpay.open.payment.trade.transfer.runtime.service;
+
+import cn.daxpay.open.platform.system.service.config.infra.PlatformUrlConfigService;
+import cn.hutool.core.util.StrUtil;
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+
+/// # 微信转账确认收款链接生成服务
+///
+/// 生成确认收款链接供商户发给收款人在微信内打开,
+/// 路径约定: `{paymentGatewayBaseUrl}/transfer-confirm/{transferNo}`(H5 确认页路由)。
+///
+/// 链接不落库(由 transferNo + 平台配置实时拼接), 供发起返回与订单详情查询复用。
+@Service
+@RequiredArgsConstructor
+public class TransferConfirmUrlService {
+
+    private final PlatformUrlConfigService platformUrlConfigService;
+
+    /// 生成微信转账确认收款链接
+    ///
+    /// @param transferNo 平台转账单号
+    /// @return 确认收款链接, 平台未配置网关地址时返回 null
+    public String buildConfirmUrl(String transferNo) {
+        String base = platformUrlConfigService.getUrlConfig().getPaymentGatewayBaseUrl();
+        if (StrUtil.isBlank(base)) {
+            return null;
+        }
+        return StrUtil.format("{}/transfer-confirm/{}", base, transferNo);
+    }
+}
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/cn/daxpay/open/payment/merchant/controller/trade/MchTransferController.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/cn/daxpay/open/payment/merchant/controller/trade/MchTransferController.java
index 8ae69042d..7f79d11e9 100644
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/cn/daxpay/open/payment/merchant/controller/trade/MchTransferController.java
+++ b/daxpay-payment/daxpay-payment-merchant/src/main/java/cn/daxpay/open/payment/merchant/controller/trade/MchTransferController.java
@@ -17,8 +17,7 @@ import cn.daxpay.open.payment.trade.transfer.result.DouyinTransferOrderResult;
 import cn.daxpay.open.payment.trade.transfer.result.TransferCreateResult;
 import cn.daxpay.open.payment.trade.transfer.result.TransferTradeResult;
 import cn.daxpay.open.payment.trade.transfer.result.WechatTransferOrderResult;
-import cn.daxpay.open.platform.system.service.config.infra.PlatformUrlConfigService;
-import cn.hutool.core.util.StrUtil;
+import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferConfirmUrlService;
 import io.swagger.v3.oas.annotations.Operation;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import jakarta.validation.Valid;
@@ -43,7 +42,7 @@ import org.springframework.web.bind.annotation.RestController;
 public class MchTransferController {
 
     private final MchTransferService mchTransferService;
-    private final PlatformUrlConfigService platformUrlConfigService;
+    private final TransferConfirmUrlService transferConfirmUrlService;
 
     // ===== 微信转账 =====
 
@@ -68,19 +67,10 @@ public class MchTransferController {
     public Result<TransferCreateResult> wechatCreate(@Valid @RequestBody TransferParam param) {
         String transferNo = mchTransferService.create("wechat", param);
         // 生成确认收款链接(供商户发给收款人在微信内打开)
-        String confirmUrl = buildConfirmUrl(transferNo);
+        String confirmUrl = transferConfirmUrlService.buildConfirmUrl(transferNo);
         return Res.ok(new TransferCreateResult().setTransferNo(transferNo).setConfirmUrl(confirmUrl));
     }
 
-    /// 生成微信转账确认收款链接
-    private String buildConfirmUrl(String transferNo) {
-        String base = platformUrlConfigService.getUrlConfig().getPaymentGatewayBaseUrl();
-        if (StrUtil.isBlank(base)) {
-            return null;
-        }
-        return StrUtil.format("{}/transfer-confirm/{}", base, transferNo);
-    }
-
     // ===== 支付宝转账 =====
 
     @PermCode(code = PermCodes.Action.VIEW)
diff --git a/daxpay-payment/daxpay-payment-merchant/src/main/java/cn/daxpay/open/payment/merchant/service/trade/MchTransferService.java b/daxpay-payment/daxpay-payment-merchant/src/main/java/cn/daxpay/open/payment/merchant/service/trade/MchTransferService.java
index 3c7688229..ba1d44ff7 100644
--- a/daxpay-payment/daxpay-payment-merchant/src/main/java/cn/daxpay/open/payment/merchant/service/trade/MchTransferService.java
+++ b/daxpay-payment/daxpay-payment-merchant/src/main/java/cn/daxpay/open/payment/merchant/service/trade/MchTransferService.java
@@ -22,6 +22,7 @@ import cn.daxpay.open.payment.trade.transfer.result.DouyinTransferOrderResult;
 import cn.daxpay.open.payment.trade.transfer.result.TransferTradeResult;
 import cn.daxpay.open.payment.trade.transfer.result.WechatTransferOrderResult;
 import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferCloseService;
+import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferConfirmUrlService;
 import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferStartService;
 import cn.daxpay.open.payment.trade.transfer.runtime.service.TransferSyncService;
 import cn.daxpay.open.payment.trade.transfer.util.PayeeDesensitizeUtil;
@@ -47,6 +48,7 @@ public class MchTransferService {
     private final TransferStartService transferStartService;
     private final TransferSyncService transferSyncService;
     private final TransferCloseService transferCloseService;
+    private final TransferConfirmUrlService transferConfirmUrlService;
     private final TransService transService;
 
     /// 微信转账单分页
@@ -64,6 +66,10 @@ public class MchTransferService {
         WechatTransferOrder entity = wechatTransferOrderManager.findById(id)
                 .orElseThrow(() -> new DataNotExistException("pay.error.transfer.notFound"));
         WechatTransferOrderResult result = WechatTransferOrderConvert.CONVERT.toResult(entity);
+        // 待领取状态填充确认收款链接
+        if ("processing".equals(entity.getStatus())) {
+            result.setConfirmUrl(transferConfirmUrlService.buildConfirmUrl(entity.getTransferNo()));
+        }
         transService.translate(result);
         // 收款人信息脱敏
         PayeeDesensitizeUtil.desensitize(result);