diff --git a/src/main/java/com/gxwebsoft/payment/service/WxTransferService.java b/src/main/java/com/gxwebsoft/payment/service/WxTransferService.java
index 7032a2b..a8565c9 100644
--- a/src/main/java/com/gxwebsoft/payment/service/WxTransferService.java
+++ b/src/main/java/com/gxwebsoft/payment/service/WxTransferService.java
@@ -83,7 +83,7 @@ public class WxTransferService {
                                                         String outBillNo,
                                                         String remark,
                                                         String userName) throws PaymentException {
-        return initiateSingleTransferInternal(tenantId, openid, amountYuan, outBillNo, remark, userName, false);
+        return initiateSingleTransferInternal(tenantId, openid, amountYuan, outBillNo, remark, userName);
     }
 
     /**
@@ -97,7 +97,9 @@ public class WxTransferService {
                                                                        String outBillNo,
                                                                        String remark,
                                                                        String userName) throws PaymentException {
-        return initiateSingleTransferInternal(tenantId, openid, amountYuan, outBillNo, remark, userName, true);
+        // 注意：微信侧会严格校验请求体字段，传入未定义字段（如 user_confirm）会直接 400(PARAM_ERROR)。
+        // 此处不再向请求体写入 user_confirm，仅保留该方法用于兼容调用方（若微信侧返回 package_info，可供小程序拉起确认页）。
+        return initiateSingleTransferInternal(tenantId, openid, amountYuan, outBillNo, remark, userName);
     }
 
     private TransferBillsResponse initiateSingleTransferInternal(Integer tenantId,
@@ -105,8 +107,7 @@ public class WxTransferService {
                                                                  BigDecimal amountYuan,
                                                                  String outBillNo,
                                                                  String remark,
-                                                                 String userName,
-                                                                 boolean userConfirm) throws PaymentException {
+                                                                 String userName) throws PaymentException {
 
         if (tenantId == null) {
             throw PaymentException.paramError("租户ID不能为空");
@@ -175,8 +176,6 @@ public class WxTransferService {
             request.setTransferAmount(amountFen);
             request.setTransferRemark(limitLen(remark, 32));
             request.setTransferSceneReportInfos(sceneReportInfos);
-            // 小程序拉起收款确认页：需要 user_confirm=true，微信会在响应中返回 package_info
-            request.setUserConfirm(userConfirm ? Boolean.TRUE : null);
             log.debug("微信商家转账(升级版)请求参数: tenantId={}, outBillNo={}, transferSceneId={}, sceneReportInfosCount={}",
                 tenantId, outBillNo, transferSceneId, sceneReportInfos.size());
 
@@ -219,9 +218,8 @@ public class WxTransferService {
                 }
             }
             TransferBillsResponse response = httpResponse.getServiceResponse();
-            log.info("微信商家转账已受理(升级版): tenantId={}, outBillNo={}, userConfirm={}, transferBillNo={}, state={}",
+            log.info("微信商家转账已受理(升级版): tenantId={}, outBillNo={}, transferBillNo={}, state={}",
                 tenantId, outBillNo,
-                userConfirm,
                 response != null ? response.getTransferBillNo() : null,
                 response != null ? response.getState() : null);
             return response;
@@ -281,10 +279,6 @@ public class WxTransferService {
         private String userName;
         private String notifyUrl;
         private List<TransferSceneReportInfo> transferSceneReportInfos;
-        /**
-         * 是否需要用户在小程序确认页确认收款；为 true 时，微信会返回 package_info，用于 wx.requestMerchantTransfer。
-         */
-        private Boolean userConfirm;
     }
 
     @lombok.Data