发起转账(用户确认模式)

商家转账用户确认模式下，用户申请收款时，商户可通过此接口申请创建转账单 官方文档

wxpay.v3.fundApp.mchTransfer.transferBills.post({
  appid,
  out_bill_no,
  transfer_scene_id,
  openid,
  user_name,
  transfer_amount,
  transfer_remark,
  notify_url,
  user_recv_perception,
  transfer_scene_report_infos,
}, { headers, })
.then(
  ({ 
    data: {
      out_bill_no,
      transfer_bill_no,
      create_time,
      state,
      fail_reason,
      package_info,
    },
  }) => ({
    out_bill_no,
    transfer_bill_no,
    create_time,
    state,
    fail_reason,
    package_info,
  })
)