diff --git a/README.md b/README.md
index efda0412..a50f92e3 100644
--- a/README.md
+++ b/README.md
@@ -26,7 +26,7 @@
 还没有达到生产交付的部分：
 
 - Supabase Auth/JWT、租户角色模板、班级/教师/学生范围权限已可联调；生产前还要做真实云端 Auth/JWKS 回归和 RLS 深测。
-- 阿里云/腾讯云短信、微信小程序登录、微信支付、支付宝主链路已完成本地适配；微信网页登录、QQ 登录、手机号换绑、真实微信/支付宝退款 API、对账、支付补偿和真实生产账号联调还没接完。
+- 阿里云/腾讯云短信、微信小程序登录、微信支付、支付宝主链路和微信/支付宝发起退款已完成本地适配；微信网页登录、QQ 登录、手机号换绑、退款通知/查询确认、对账、支付补偿和真实生产账号联调还没接完。
 - OSS/COS/Supabase Storage 上传下载签名 provider 已接入；上传后校验、PDF 预览、防盗链和视频水印还没完成。
 - Excel/CSV 导入、分数线/视频批量导入和异步 worker 还没完成。
 - 分佣真实打款、结算导出、发票/凭证、CRM 轮询/定向分配、富卡片模板、失败告警和销售转化看板还没完成。
@@ -193,4 +193,4 @@ npm run check:refactor
 2. Taro 前端 scaffold，让 H5 和小程序共用同一套 API。
 3. 对象存储上传后校验、PDF 预览、防盗链和视频水印。
 4. Excel/CSV 以及分数线、视频批量导入；把现有 JSON 导入升级为可排队异步执行。
-5. 微信网页/QQ 登录、真实退款 provider、支付对账、支付补偿、公共题库版本同步 worker、积分活动深化，以及排行榜防刷/预聚合。
+5. 微信网页/QQ 登录、退款通知/查询确认、支付对账、支付补偿、公共题库版本同步 worker、积分活动深化，以及排行榜防刷/预聚合。
diff --git a/apps/api/src/core/tenant-provider-config.ts b/apps/api/src/core/tenant-provider-config.ts
index 35af3e1f..0ae4f5f2 100644
--- a/apps/api/src/core/tenant-provider-config.ts
+++ b/apps/api/src/core/tenant-provider-config.ts
@@ -169,7 +169,17 @@ export function providerEndpoint(
   allowedHosts: string[],
   code = 'PROVIDER_ENDPOINT_NOT_ALLOWED',
 ) {
-  const raw = optionalPublicString(providerConfig, ['endpoint']) || fallback;
+  return providerEndpointForKeys(providerConfig, ['endpoint'], fallback, allowedHosts, code);
+}
+
+export function providerEndpointForKeys(
+  providerConfig: TenantProviderConfig,
+  keys: string[],
+  fallback: string,
+  allowedHosts: string[],
+  code = 'PROVIDER_ENDPOINT_NOT_ALLOWED',
+) {
+  const raw = optionalPublicString(providerConfig, keys) || fallback;
   let endpoint: URL;
   try {
     endpoint = new URL(raw);
diff --git a/apps/api/src/features/commerce/providers.ts b/apps/api/src/features/commerce/providers.ts
index cd81701f..5c5c1865 100644
--- a/apps/api/src/features/commerce/providers.ts
+++ b/apps/api/src/features/commerce/providers.ts
@@ -5,6 +5,7 @@ import {
   optionalPublicBoolean,
   optionalPublicString,
   providerEndpoint,
+  providerEndpointForKeys,
   requirePublicString,
   requireSecretString,
   type TenantPaymentProviderConfig,
@@ -25,6 +26,18 @@ export interface PaymentOrderInput {
   quitUrl?: string;
 }
 
+export interface PaymentRefundInput {
+  tenantId: string;
+  orderId: string;
+  orderNo: string;
+  refundNo: string;
+  amountCents: number;
+  totalAmountCents: number;
+  providerTradeNo?: string | null;
+  reason?: string | null;
+  notifyUrl?: string | null;
+}
+
 export interface PaymentCreateResult {
   provider: PaymentProviderName;
   method: string;
@@ -33,6 +46,13 @@ export interface PaymentCreateResult {
   raw: Record<string, unknown>;
 }
 
+export interface PaymentRefundResult {
+  provider: PaymentProviderName;
+  status: 'processing' | 'succeeded' | 'failed';
+  providerRefundNo?: string;
+  raw: Record<string, unknown>;
+}
+
 export interface PaymentNotificationResult {
   provider: PaymentProviderName;
   eventId: string;
@@ -47,6 +67,7 @@ export interface PaymentNotificationResult {
 export interface PaymentProvider {
   name: PaymentProviderName;
   createPayment(input: PaymentOrderInput): Promise<PaymentCreateResult>;
+  createRefund(input: PaymentRefundInput): Promise<PaymentRefundResult>;
   parseNotification(input: {
     headers: Record<string, string>;
     body: Record<string, unknown>;
@@ -196,6 +217,63 @@ class WechatPayProvider implements PaymentProvider {
     };
   }
 
+  async createRefund(input: PaymentRefundInput): Promise<PaymentRefundResult> {
+    const mchId = requirePublicString(this.config, ['merchantId', 'mchId'], 'PAYMENT_PUBLIC_CONFIG_REQUIRED');
+    const merchantSerialNo = requirePublicString(this.config, ['merchantSerialNo'], 'PAYMENT_PUBLIC_CONFIG_REQUIRED');
+    const endpoint = providerEndpointForKeys(
+      this.config,
+      ['refundEndpoint', 'endpoint'],
+      'https://api.mch.weixin.qq.com/v3/refund/domestic/refunds',
+      ['api.mch.weixin.qq.com'],
+      'PAYMENT_ENDPOINT_NOT_ALLOWED',
+    );
+    const notifyUrl = input.notifyUrl || optionalPublicString(this.config, ['refundNotifyUrl', 'notifyUrl']);
+    const payloadObject: Record<string, unknown> = {
+      out_trade_no: input.orderNo,
+      out_refund_no: input.refundNo,
+      reason: (input.reason || 'refund').slice(0, 80),
+      amount: {
+        refund: input.amountCents,
+        total: input.totalAmountCents,
+        currency: 'CNY',
+      },
+    };
+    if (input.providerTradeNo) {
+      delete payloadObject.out_trade_no;
+      payloadObject.transaction_id = input.providerTradeNo;
+    }
+    if (notifyUrl) payloadObject.notify_url = notifyUrl;
+
+    const payload = JSON.stringify(payloadObject);
+    const timestamp = Math.floor(Date.now() / 1000).toString();
+    const nonce = randomNonce();
+    const url = new URL(endpoint);
+    const message = ['POST', `${url.pathname}${url.search}`, timestamp, nonce, payload].join('\n') + '\n';
+    const signature = rsaSignSha256(wechatPrivateKey(this.config), message);
+
+    const response = await fetch(endpoint, {
+      method: 'POST',
+      headers: {
+        accept: 'application/json',
+        authorization: `WECHATPAY2-SHA256-RSA2048 mchid="${mchId}",nonce_str="${nonce}",signature="${signature}",timestamp="${timestamp}",serial_no="${merchantSerialNo}"`,
+        'content-type': 'application/json',
+      },
+      body: payload,
+    });
+    const raw = safeJson(await response.json().catch(() => ({})));
+    if (!response.ok) {
+      throw new HttpError(502, 'WeChat Pay refund request failed', 'PAYMENT_PROVIDER_REFUND_FAILED');
+    }
+
+    const statusText = typeof raw.status === 'string' ? raw.status.toUpperCase() : '';
+    return {
+      provider: this.name,
+      status: ['SUCCESS', 'CLOSED', 'ABNORMAL'].includes(statusText) ? 'succeeded' : 'processing',
+      providerRefundNo: typeof raw.refund_id === 'string' ? raw.refund_id : undefined,
+      raw,
+    };
+  }
+
   async parseNotification(input: {
     headers: Record<string, string>;
     body: Record<string, unknown>;
@@ -319,6 +397,67 @@ class AlipayProvider implements PaymentProvider {
     };
   }
 
+  async createRefund(input: PaymentRefundInput): Promise<PaymentRefundResult> {
+    const appId = requirePublicString(this.config, ['appId'], 'PAYMENT_PUBLIC_CONFIG_REQUIRED');
+    const gateway = providerEndpointForKeys(
+      this.config,
+      ['refundEndpoint', 'endpoint'],
+      'https://openapi.alipay.com/gateway.do',
+      ['openapi.alipay.com'],
+      'PAYMENT_ENDPOINT_NOT_ALLOWED',
+    );
+    const privateKey = normalizePem(requireSecretString(this.config, ['privateKey', 'appPrivateKey'], 'PAYMENT_SECRET_REQUIRED'), 'PRIVATE KEY');
+    const bizContent: Record<string, unknown> = {
+      out_trade_no: input.orderNo,
+      out_request_no: input.refundNo,
+      refund_amount: (input.amountCents / 100).toFixed(2),
+      refund_reason: (input.reason || 'refund').slice(0, 256),
+    };
+    if (input.providerTradeNo) {
+      delete bizContent.out_trade_no;
+      bizContent.trade_no = input.providerTradeNo;
+    }
+    const params: Record<string, string> = {
+      app_id: appId,
+      method: 'alipay.trade.refund',
+      charset: 'utf-8',
+      sign_type: 'RSA2',
+      timestamp: new Date().toISOString().replace('T', ' ').slice(0, 19),
+      version: '1.0',
+      biz_content: JSON.stringify(bizContent),
+    };
+    params.sign = rsaSignSha256(privateKey, canonicalForm(params));
+
+    const response = await fetch(gateway, {
+      method: 'POST',
+      headers: {
+        accept: 'application/json',
+        'content-type': 'application/x-www-form-urlencoded;charset=utf-8',
+      },
+      body: encodedForm(params),
+    });
+    const raw = safeJson(await response.json().catch(() => ({})));
+    if (!response.ok) {
+      throw new HttpError(502, 'Alipay refund request failed', 'PAYMENT_PROVIDER_REFUND_FAILED');
+    }
+
+    const responseBody = objectValue(raw.alipay_trade_refund_response);
+    const code = typeof responseBody.code === 'string' ? responseBody.code : '';
+    if (code !== '10000') {
+      throw new HttpError(502, 'Alipay refund was rejected', 'PAYMENT_PROVIDER_REFUND_REJECTED');
+    }
+
+    return {
+      provider: this.name,
+      status: 'succeeded',
+      providerRefundNo:
+        (typeof responseBody.trade_no === 'string' && responseBody.trade_no)
+        || (typeof responseBody.out_request_no === 'string' && responseBody.out_request_no)
+        || undefined,
+      raw,
+    };
+  }
+
   async parseNotification(input: {
     headers: Record<string, string>;
     body: Record<string, unknown>;
@@ -380,6 +519,10 @@ class ManualPaymentProvider implements PaymentProvider {
     };
   }
 
+  async createRefund(): Promise<PaymentRefundResult> {
+    throw new HttpError(501, 'Manual provider does not support online refunds', 'PAYMENT_PROVIDER_REFUND_NOT_SUPPORTED');
+  }
+
   async parseNotification(): Promise<PaymentNotificationResult> {
     throw new HttpError(501, 'Manual provider does not support webhook notifications', 'PAYMENT_PROVIDER_NOT_SUPPORTED');
   }
diff --git a/apps/api/src/features/commerce/routes.ts b/apps/api/src/features/commerce/routes.ts
index e007d4d2..8dabda5d 100644
--- a/apps/api/src/features/commerce/routes.ts
+++ b/apps/api/src/features/commerce/routes.ts
@@ -1357,6 +1357,7 @@ export async function updateRefundStatusRoute(ctx: RequestContext) {
   const action = requiredString(body, 'action');
   const note = optionalString(body, 'note') || null;
   const providerRefundNo = optionalString(body, 'providerRefundNo') || null;
+  const providerNotifyUrl = optionalString(body, 'providerNotifyUrl') || null;
   const failureReason = optionalString(body, 'failureReason') || note;
   const metadataPatch = objectValue(body.metadata);
 
@@ -1371,7 +1372,8 @@ export async function updateRefundStatusRoute(ctx: RequestContext) {
     let toStatus = fromStatus;
     let eventType = action;
     let processResult: Record<string, unknown> = {};
-    const details: Record<string, unknown> = { note, providerRefundNo, failureReason, metadata: metadataPatch };
+    let providerResult: Record<string, unknown> = {};
+    const details: Record<string, unknown> = { note, providerRefundNo, providerNotifyUrl, failureReason, metadata: metadataPatch };
 
     if (action === 'approve') {
       if (fromStatus !== 'requested') throw new HttpError(409, `Refund status is ${fromStatus}`, 'REFUND_STATUS_INVALID');
@@ -1387,6 +1389,24 @@ export async function updateRefundStatusRoute(ctx: RequestContext) {
       }
       toStatus = 'processing';
       eventType = 'processing';
+    } else if (action === 'submit_provider_refund') {
+      if (fromStatus !== 'approved') {
+        throw new HttpError(409, `Refund status is ${fromStatus}`, 'REFUND_STATUS_INVALID');
+      }
+      const submitted = await submitRefundToProvider(client, {
+        tenantId: auth.tenantId,
+        refund,
+        actorUserId: auth.userId,
+        notifyUrl: providerNotifyUrl,
+      });
+      toStatus = submitted.nextStatus;
+      eventType = submitted.nextStatus === 'succeeded' ? 'provider_succeeded' : 'provider_submitted';
+      providerResult = submitted.refundResult.raw;
+      processResult = submitted.processResult;
+      details.provider = submitted.refundResult.provider;
+      details.providerStatus = submitted.refundResult.status;
+      details.providerRefundNo = submitted.refundResult.providerRefundNo || providerRefundNo || null;
+      details.processResult = processResult;
     } else if (action === 'mark_succeeded') {
       if (!['requested', 'approved', 'processing'].includes(fromStatus)) {
         throw new HttpError(409, `Refund status is ${fromStatus}`, 'REFUND_STATUS_INVALID');
@@ -1419,7 +1439,7 @@ export async function updateRefundStatusRoute(ctx: RequestContext) {
       `
       update public.commerce_refund_requests
       set status = $3,
-          provider_refund_no = coalesce($4, provider_refund_no),
+          provider_refund_no = coalesce($4, $8, provider_refund_no),
           reviewed_by = case when $3 in ('approved', 'rejected') then $5 else reviewed_by end,
           processed_by = case when $3 in ('processing', 'succeeded', 'failed') then $5 else processed_by end,
           reviewed_at = case when $3 in ('approved', 'rejected') then now() else reviewed_at end,
@@ -1440,7 +1460,8 @@ export async function updateRefundStatusRoute(ctx: RequestContext) {
         providerRefundNo,
         auth.userId,
         failureReason,
-        JSON.stringify({ lastAction: action, note, processResult, ...metadataPatch }),
+        JSON.stringify({ lastAction: action, note, processResult, providerResult, ...metadataPatch }),
+        typeof details.providerRefundNo === 'string' ? details.providerRefundNo : null,
       ],
     );
     const updatedRefund = await fetchRefundById(client, auth.tenantId, updated.rows[0].id, true);
@@ -1467,7 +1488,7 @@ export async function updateRefundStatusRoute(ctx: RequestContext) {
         fromStatus,
         toStatus,
         amountCents: refund.amountCents,
-        providerRefundNo,
+        providerRefundNo: details.providerRefundNo || providerRefundNo,
         processResult,
       },
     });
@@ -1613,6 +1634,61 @@ async function loadPaymentProvider(tenantId: string, providerName: string) {
   return createPaymentProvider(provider, providerConfig);
 }
 
+async function submitRefundToProvider(
+  client: pg.PoolClient,
+  input: {
+    tenantId: string;
+    refund: RefundRequestRow;
+    actorUserId: string;
+    notifyUrl?: string | null;
+  },
+) {
+  const paymentResult = await client.query<{
+    id: string;
+    provider: string;
+    providerTradeNo: string | null;
+    amountCents: number;
+  }>(
+    `
+    select id, provider, provider_trade_no as "providerTradeNo", amount_cents as "amountCents"
+    from public.payments
+    where tenant_id = $1 and id = $2
+    limit 1
+    `,
+    [input.tenantId, input.refund.paymentId],
+  );
+  const payment = paymentResult.rows[0];
+  if (!payment) throw new HttpError(404, 'Payment not found', 'PAYMENT_NOT_FOUND');
+  if (normalizePaymentProvider(payment.provider) === 'manual') {
+    throw new HttpError(409, 'Manual payment refunds must be recorded manually', 'PAYMENT_PROVIDER_REFUND_NOT_SUPPORTED');
+  }
+
+  const provider = await loadPaymentProvider(input.tenantId, payment.provider);
+  const refundResult = await provider.createRefund({
+    tenantId: input.tenantId,
+    orderId: input.refund.orderId,
+    orderNo: input.refund.orderNo,
+    refundNo: input.refund.refundNo,
+    amountCents: input.refund.amountCents,
+    totalAmountCents: payment.amountCents,
+    providerTradeNo: payment.providerTradeNo,
+    reason: input.refund.reason,
+    notifyUrl: input.notifyUrl || null,
+  });
+
+  if (refundResult.status === 'succeeded') {
+    const processResult = await applySuccessfulRefund(client, {
+      tenantId: input.tenantId,
+      refund: input.refund,
+      actorUserId: input.actorUserId,
+      providerRefundNo: refundResult.providerRefundNo || null,
+    });
+    return { refundResult, nextStatus: 'succeeded', processResult };
+  }
+
+  return { refundResult, nextStatus: 'processing', processResult: {} };
+}
+
 export async function createPaymentRoute(ctx: RequestContext) {
   const tenantId = await tenantIdFrom(ctx);
   const body = await readJsonBody(ctx);
diff --git a/docs/refactor/backend-capability-status.md b/docs/refactor/backend-capability-status.md
index 4c3548b3..10b958a2 100644
--- a/docs/refactor/backend-capability-status.md
+++ b/docs/refactor/backend-capability-status.md
@@ -108,8 +108,8 @@
 | 激活码预检查/兑换 | 可联调 | `/api/commerce/activation-codes/check`、`redeem`；支持地区校验、自用码拒绝、已用码稳定 reasonCode |
 | 优惠券后台配置 | 可联调 | `/api/tenant-admin/coupons` |
 | 优惠券前台领取/下单抵扣 | 可联调 | `/api/commerce/coupons/claim`；支持同用户同券幂等领取、下单绑定、负数订单项、全额优惠自动开通权益 |
-| 退款状态机 | 可联调 | `/api/commerce/refunds`、`/api/commerce/refunds/status`；支持退款申请、审核、处理中、成功/失败/拒绝/取消、退款金额累计、部分退款、全额退款权益撤销、退款事件和审计 |
-| 补偿/对账/真实退款 provider | 待补齐 | 真实微信/支付宝退款 API、支付补偿任务、对账、异常订单自动处理和退款 worker |
+| 退款状态机和发起退款 | 可联调 | `/api/commerce/refunds`、`/api/commerce/refunds/status`；支持退款申请、审核、调用微信/支付宝发起退款、处理中、成功/失败/拒绝/取消、退款金额累计、部分退款、全额退款权益撤销、退款事件和审计 |
+| 退款确认/补偿/对账 | 待补齐 | 微信退款通知解密、退款查询确认、支付宝退款查询、支付补偿任务、对账、异常订单自动处理和退款 worker |
 
 ## 租户后台与平台后台
 
diff --git a/docs/refactor/backend-handoff-roadmap.md b/docs/refactor/backend-handoff-roadmap.md
index eb9bac6d..463ffd02 100644
--- a/docs/refactor/backend-handoff-roadmap.md
+++ b/docs/refactor/backend-handoff-roadmap.md
@@ -29,7 +29,7 @@
 | 分数线 | 可联调 | 院校、专业、动态字段、记录、年份、趋势、后台维护 | 批量导入、复杂筛选、AI 择校上下文 |
 | 视频解析 | 部分完成 | 单题视频、批量查询、后台视频绑定 | 会员播放权限、播放次数扣减、签名 URL、防盗链、水印 |
 | 资料下载 | 部分完成 | 资源台账、SVIP 权限校验、`local_dev`/阿里云 OSS/腾讯 COS/Supabase Storage 上传下载签名 | 上传后对象校验、PDF 预览、防盗链、视频水印 |
-| 会员与订单 | 可联调 | 下单、订单详情/状态轮询、优惠券领取/抵扣、零元订单自动开通、手工确认权限保护、激活码预检查/兑换、微信支付、支付宝、权益发放 | 退款、对账、支付补偿、异常订单处理 |
+| 会员与订单 | 可联调 | 下单、订单详情/状态轮询、优惠券领取/抵扣、零元订单自动开通、手工确认权限保护、激活码预检查/兑换、微信支付、支付宝、微信/支付宝发起退款、权益发放 | 退款通知/查询确认、对账、支付补偿、异常订单自动处理 |
 | 登录认证 | 迁移期可用 | 短信 mock、迁移期 session、OAuth 配置表 | 阿里云/腾讯云短信、微信小程序/网页登录、QQ 登录、Supabase Auth |
 | 销售/代理/CRM | 基础完成 | 邀请码、首绑保护、团队关系、销售统计、CRM 入队 | 小程序码真实生成、分佣结算、钉钉/飞书/企微 worker |
 | 内容导入 | 基础完成 | 题目、单词、知识手册 JSON preview/import、issue、job、审计、幂等 | Excel/CSV、分数线、视频导入，大批量异步 worker |
@@ -83,7 +83,7 @@
 
 ### P1：商用收费和运营能力
 
-- 退款、对账、支付补偿任务和异常订单处理。
+- 退款通知/查询确认、对账、支付补偿任务和异常订单自动处理。
 - XPay 或其它实际支付网关 adapter。
 - 阿里云/腾讯云短信、微信小程序登录、微信网页登录、QQ 登录。
 - 公共题库/地区题库版本同步，租户按 SaaS 套餐购买地区、科目和题库范围的更细计费策略。
diff --git a/docs/refactor/backend-progress.md b/docs/refactor/backend-progress.md
index a03e6415..0316078f 100644
--- a/docs/refactor/backend-progress.md
+++ b/docs/refactor/backend-progress.md
@@ -228,7 +228,7 @@ GET  /api/tenant-admin/audit-logs
 - 激活码兑换、支付成功和零元优惠订单都走同一套 `grantSvipEntitlement` 权益开通逻辑。
 - 优惠券领取同用户同券幂等；下单后优惠券 redemption 会绑定订单并进入 `used`，订单明细会写入负数 `coupon_discount` 项。
 - `/api/commerce/payments/manual-confirm` 是线下收款/迁移期能力，只允许租户后台具备 `tenant:payment:write` 的成员调用，普通学生不能伪造手工支付成功。
-- `/api/commerce/refunds` 和 `/api/commerce/refunds/status` 已提供内部退款状态机；退款权限拆分为 `tenant:refund:read/write/review`，全额退款成功会撤销订单来源权益，真实微信/支付宝退款 API 和对账 worker 后续接入。
+- `/api/commerce/refunds` 和 `/api/commerce/refunds/status` 已提供内部退款状态机；退款权限拆分为 `tenant:refund:read/write/review`，可调用微信/支付宝发起退款，全额退款成功会撤销订单来源权益；退款通知/查询确认、对账 worker 后续接入。
 - 租户支付账户、短信、OAuth 登录配置接口只保存公开配置；密钥进入 `app_private.tenant_secrets` 或生产 KMS/Vault，API 只返回 `secretRef` 和掩码状态。
 - `tenant-admin` 采用角色默认权限 + `tenant_memberships.permissions` 覆盖的权限矩阵。成员可进入后台，但每个接口会校验具体权限点；学生和跨租户成员会被拒绝。
 - 当前默认角色：`tenant_owner`/`tenant_admin` 全权限，`tenant_operator` 可维护内容和活动，`teacher` 可维护内容并按班级范围查看学生，`sales` 可维护激活码和优惠券，`agent` 只读部分兑换码/优惠券。
@@ -246,7 +246,7 @@ GET  /api/tenant-admin/audit-logs
 1. 完善内容导入和文件上传：Excel/CSV、分数线、视频导入，对象存储上传后校验、PDF 预览、防盗链和视频水印。
 2. 接入真实短信 provider：阿里云/腾讯云，密钥放 `app_private.tenant_secrets` 或生产 Vault。
 3. 接入真实 OAuth provider：微信网页、微信小程序、QQ，并处理旧 PocketBase 身份映射。
-4. 补真实微信/支付宝退款 provider、支付补偿任务、对账、异常订单自动处理和优惠券核销报表。
+4. 补微信退款通知/查询确认、支付宝退款查询、支付补偿任务、对账、异常订单自动处理和优惠券核销报表。
 5. 扩展 `apps/worker`：支付补偿、日报统计、导入后检查、CRM 死信告警和公共题库同步。
 6. 开始 Taro scaffold，把 `supabaseApi` 抽到跨端包或适配层。
 
diff --git a/docs/refactor/implementation-status.md b/docs/refactor/implementation-status.md
index 9bfaadba..1c0a1418 100644
--- a/docs/refactor/implementation-status.md
+++ b/docs/refactor/implementation-status.md
@@ -27,7 +27,7 @@
 | 刷题题库 | 已建题库、题目、题目版本、内容入口、任意深度分类树、考试意向标记、题目集合、练习蓝图、导入任务台账、公共题库授权/采纳表 | 已支持核心映射，JSON 导入可落到新入口/节点/集合 | 题目列表、内容入口、分类树、集合题目、顺序/随机/全真模拟 session、答题提交、租户后台题目录入/更新、JSON 预览/导入、平台公共题库授权、租户采纳快照已实现 | 核心 API 集成测试含导航、组卷、导入、公共题库授权和采纳后组卷断言 | 新题库导航和组卷基础闭环可跑，公共题库采纳快照可联调；Excel 导入、公共题库全量/增量版本同步仍需补齐 |
 | 错题本 | 已建 `wrong_questions` | 已支持旧错题归一化 | 错题列表、答题自动入错题、移出错题已实现 | 仅烟测 | 基础功能已实现，复习计划和统计未完成 |
 | 收藏夹 | 已建 `favorite_questions` | 已支持旧收藏归一化 | 收藏/取消收藏、收藏列表已实现 | 仅烟测 | 基础功能已实现 |
-| 用户订阅/题库会员/SVIP | 已建 `orders`、`payments`、`entitlements`、`svip_plans`、激活码 | 已映射旧 SVIP/会员权益 | 下单、订单详情/状态轮询、手工支付确认权限保护、微信/支付宝支付、激活码预检查/兑换、优惠券抵扣、零元订单自动开通、权益查询已实现 | API 集成测试 | 商城主链路可联调，退款/对账/支付补偿和异常订单处理待补 |
+| 用户订阅/题库会员/SVIP | 已建 `orders`、`payments`、`entitlements`、`svip_plans`、激活码 | 已映射旧 SVIP/会员权益 | 下单、订单详情/状态轮询、手工支付确认权限保护、微信/支付宝支付、微信/支付宝发起退款、激活码预检查/兑换、优惠券抵扣、零元订单自动开通、权益查询已实现 | API 集成测试 | 商城主链路可联调，退款通知/查询确认、对账、支付补偿和异常订单自动处理待补 |
 | 背单词 | 已建单词单元、单词、进度、收藏表，并可绑定 `content_entries/content_nodes` | 已支持内容和部分用户状态映射 | 单元/单词只读、进度、收藏、统计、每日复习计划、租户后台单词维护 API、旧模板/新模板 JSON 预览导入、排行榜已实现 | 核心 API 集成测试含导入和排行榜断言 | 学生端学习状态、后台维护、批量 JSON 导入和基础排行榜已实现，更细复习参数和后台统计待完善 |
 | 知识手册 | 已建手册科目、章节、条目，并可绑定 `content_entries/content_nodes` | 已支持内容导入 | 只读 API、租户后台手册科目/章节/条目维护 API、嵌套 JSON 预览导入已实现 | 核心 API 集成测试含导入断言 | 学生端阅读、后台维护和批量 JSON 导入基础可用，富文本资源/版本管理待补 |
 | 分数线 | 已建院校、专业、字段、记录表 | 已支持导入映射 | 字段、院校、专业、记录、趋势、年份、租户后台维护 API 已实现 | 核心 API 集成测试 | 查询和后台维护基础闭环已实现，复杂动态筛选/批量导入待补 |
@@ -247,7 +247,7 @@ platform-admin:
 上线前至少还需要完成：
 
 1. 正式鉴权：API 已支持 Supabase Auth JWT；生产前继续做真实云端 Auth/JWKS 回归、RLS 深测，并关闭 `x-user-id`、`x-platform-admin-key` 兼容入口。
-2. 国内能力接入：短信、微信小程序登录、微信支付、支付宝支付的租户级配置入口和本地 provider 验证已具备；微信网页登录、QQ 登录、真实生产账号联调、退款/对账和支付补偿仍需实现。
+2. 国内能力接入：短信、微信小程序登录、微信支付、支付宝支付和发起退款的租户级配置入口与本地 provider 验证已具备；微信网页登录、QQ 登录、真实生产账号联调、退款通知/查询确认、对账和支付补偿仍需实现。
 3. 核心缺口 API：学生端个人中心、分数线、题目视频详情、背单词进度/收藏已补基础 API；下一步重点是后台维护、权限、统计和真实业务验收。
 4. 后台能力：题库录入、题目/单词/知识手册 JSON 批量导入、资源台账、视频绑定、知识手册维护、分数线维护、品牌/商户/登录/活动/兑换码配置、销售客资、CRM 队列、成员权限、审计查询已补 API；Excel 导入、分数线/视频导入、真实对象存储签名和前端操作台待补。
 5. 自动化测试：已建立核心 API、租户隔离、权限矩阵、后台维护、资源/导入、微信/支付宝支付 webhook、优惠券/激活码/订单状态集成测试；仍需真实数据导入回归、退款对账和前端端到端测试。
@@ -263,4 +263,4 @@ platform-admin:
 3. 补学习统计增强：排行榜防刷/预聚合、断点续练、专项练习策略和更细题型分析。
 4. 补视频商用控制：SVIP 权限、签名 URL、防盗链、水印、播放次数扣减。
 5. 补 AI 择校推荐报告、排行榜防刷/预聚合、勋章自动发放。
-6. 接真实短信、微信网页/QQ 登录、退款对账和补偿任务，并开始 Taro scaffold。
+6. 接真实短信、微信网页/QQ 登录、退款通知/查询确认、退款对账和补偿任务，并开始 Taro scaffold。
diff --git a/docs/refactor/legacy-feature-gap-matrix.md b/docs/refactor/legacy-feature-gap-matrix.md
index ce0ec1c8..4753f760 100644
--- a/docs/refactor/legacy-feature-gap-matrix.md
+++ b/docs/refactor/legacy-feature-gap-matrix.md
@@ -30,7 +30,7 @@
 | 背单词 | `VocabularyPage.tsx`、`VocabularyQuiz.tsx` | 部分覆盖 | 单词列表、进度、收藏、统计、每日计划和后端复习调度已覆盖；后续补收藏练习体验、发音/音频策略、排行榜和更精细的间隔算法参数 |
 | 知识手册 | `Handbook*.tsx` | 已覆盖 | 前端需做好 Markdown/公式/图片渲染和搜索体验 |
 | 分数线 | `ScorelinePage.tsx` | 已覆盖 | 动态字段/趋势已有；缺批量导入和复杂筛选优化 |
-| 商城/SVIP | `Store.tsx`、`SvipModal.tsx` | 部分覆盖 | 套餐、订单、订单详情/状态轮询、权益、激活码预检查/兑换、优惠券领取/下单抵扣、微信支付/支付宝 provider 主链路、内部退款状态机和全额退款权益撤销已有；缺真实退款 provider、对账/补偿任务和前端收银台/售后体验 |
+| 商城/SVIP | `Store.tsx`、`SvipModal.tsx` | 部分覆盖 | 套餐、订单、订单详情/状态轮询、权益、激活码预检查/兑换、优惠券领取/下单抵扣、微信支付/支付宝 provider 主链路、内部退款状态机、微信/支付宝发起退款和全额退款权益撤销已有；缺退款通知/查询确认、对账/补偿任务和前端收银台/售后体验 |
 | 个人中心 | `Profile.tsx` | 部分覆盖 | 基本资料、权益、订单统计、练习历史、学习统计、签到积分、考试倒计时和趋势已有；缺勋章 API、账号绑定/换绑、学习报告可视化 |
 | 资料下载 | `QuestionExporterPublishModal.tsx` 等 | 部分覆盖 | 资源台账、上传确认、签名下载和 PDF/图片预览基础已有；缺水印、防盗链、杀毒扫描和 worker 复检 |
 | AI 择校推荐 | 业务规划新增 | 未覆盖 | 需设计学生输入 schema、地区数据上下文、AI JSON 输出、PDF 报告 |
diff --git a/docs/refactor/next-development-todo.md b/docs/refactor/next-development-todo.md
index ed9e8c8b..c759b28f 100644
--- a/docs/refactor/next-development-todo.md
+++ b/docs/refactor/next-development-todo.md
@@ -59,8 +59,8 @@
 
 1. 支付
    - 已完成微信支付 JSAPI、支付宝 WAP/H5 的创建支付参数和 webhook 幂等开通权益。
-   - 已完成内部退款状态机、退款申请/审核/处理接口、部分/全额退款状态、全额退款权益撤销和审计事件。
-   - 继续补真实微信/支付宝退款 provider、支付补偿任务、对账和异常订单自动处理。
+   - 已完成内部退款状态机、退款申请/审核/处理接口、微信/支付宝发起退款、部分/全额退款状态、全额退款权益撤销和审计事件。
+   - 继续补微信退款通知/查询确认、支付宝退款查询、支付补偿任务、对账和异常订单自动处理。
    - 租户自有商户收款和平台代收/服务商模式。
 
 2. 国内登录和短信
@@ -93,7 +93,7 @@
 
 7. 订单和营销体验
    - 已完成订单详情、订单状态轮询、激活码预检查、优惠券前台领取、下单抵扣计算和内部退款状态机。
-   - 继续补真实 provider 退款、支付补偿任务、对账、异常订单自动处理、优惠券核销报表和复杂活动规则。
+   - 继续补退款通知/查询确认、支付补偿任务、对账、异常订单自动处理、优惠券核销报表和复杂活动规则。
 
 8. 积分和反馈增强
    - 已完成每日签到、积分流水、反馈提交、租户后台处理、奖励积分幂等。
@@ -201,5 +201,5 @@
 2. 云服务器部署 Supabase/PostgreSQL 和 API，配置对象存储生产环境变量，跑 `check:refactor` 的远程等价测试。
 3. 导出现有 PocketBase 数据，做完整 dry-run 迁移。
 4. 开始 `apps/taro`，先接租户解析、首页、题库、背单词、知识手册。
-5. 并行补对象存储、真实登录、真实退款 provider、支付对账和公共题库版本同步 worker。
+5. 并行补对象存储、真实登录、退款通知/查询确认、支付对账和公共题库版本同步 worker。
 6. 前后端联调通过后，再做支付、权限、数据导入、资料下载、视频播放的商用验收。
diff --git a/docs/refactor/taro-frontend-integration.md b/docs/refactor/taro-frontend-integration.md
index bba04057..fca576ca 100644
--- a/docs/refactor/taro-frontend-integration.md
+++ b/docs/refactor/taro-frontend-integration.md
@@ -903,8 +903,9 @@ body: {
 POST /api/commerce/refunds/status
 body: {
   "refundId": "<refundId>",
-  "action": "approve | reject | mark_processing | mark_succeeded | mark_failed | cancel",
+  "action": "approve | reject | submit_provider_refund | mark_processing | mark_succeeded | mark_failed | cancel",
   "providerRefundNo": "<支付平台退款单号，可选>",
+  "providerNotifyUrl": "<微信退款通知地址，可选>",
   "note": "<处理备注>"
 }
 ```
@@ -913,6 +914,7 @@ body: {
 
 ```text
 requested -> approved -> processing -> succeeded
+requested -> approved -> submit_provider_refund -> processing/succeeded
 requested/approved -> rejected
 requested/approved -> cancelled
 approved/processing -> failed
@@ -924,7 +926,9 @@ approved/processing -> failed
 - `refundNo` 是幂等键；同一订单同一金额重复提交会返回原退款申请。
 - 后端会限制累计退款金额不能超过实付金额。
 - 全额退款成功后订单和支付会进入 `refunded`，相关订单权益会被置为 `revoked`；部分退款进入 `partially_refunded`，默认不撤销权益。
-- 当前接口完成内部退款状态机和人工成功登记；真实微信/支付宝退款 API、自动对账和补偿 worker 后续接入。前端不要假设点击退款后已经实时调用支付平台。
+- `submit_provider_refund` 会由后端使用租户支付账户密钥调用微信/支付宝；前端不要保存商户私钥、API v3 key 或支付宝应用私钥。
+- 微信退款通常先进入 `processing`，需要后续退款通知/查询确认；支付宝普通退款成功会同步进入 `succeeded`。前端应按接口返回状态展示，不要假设点击后立即到账。
+- 退款通知/查询确认、自动对账和补偿 worker 后续接入；当前生产联调时仍需运营后台保留人工确认/失败登记入口。
 
 ### 激活码预检查与兑换
 
diff --git a/scripts/api-integration-test.js b/scripts/api-integration-test.js
index 8aea0c2a..a6415cbe 100644
--- a/scripts/api-integration-test.js
+++ b/scripts/api-integration-test.js
@@ -323,6 +323,21 @@ async function startFakeWechatPayServer() {
         body,
       });
 
+      if (url.pathname === '/v3/refund/domestic/refunds') {
+        res.writeHead(200, { 'content-type': 'application/json' });
+        res.end(
+          JSON.stringify({
+            refund_id: `refund-${body.out_refund_no || 'unknown'}`,
+            out_refund_no: body.out_refund_no,
+            out_trade_no: body.out_trade_no,
+            transaction_id: body.transaction_id,
+            status: 'PROCESSING',
+            amount: body.amount,
+          }),
+        );
+        return;
+      }
+
       if (url.pathname !== '/v3/pay/transactions/jsapi') {
         res.writeHead(404, { 'content-type': 'application/json' });
         res.end(JSON.stringify({ code: 'NOT_FOUND' }));
@@ -341,6 +356,7 @@ async function startFakeWechatPayServer() {
 
   return {
     endpoint: `${baseUrl}/v3/pay/transactions/jsapi`,
+    refundEndpoint: `${baseUrl}/v3/refund/domestic/refunds`,
     requests,
   };
 }
@@ -374,6 +390,56 @@ function signAlipayParams(params) {
   return crypto.createSign('RSA-SHA256').update(canonical).sign(paymentFixture.alipayPlatformPrivateKey, 'base64');
 }
 
+async function startFakeAlipayServer() {
+  const port = await getFreePort();
+  const baseUrl = `http://127.0.0.1:${port}`;
+  const requests = [];
+  const server = http.createServer((req, res) => {
+    let raw = '';
+    req.on('data', chunk => {
+      raw += chunk.toString();
+    });
+    req.on('end', () => {
+      const params = Object.fromEntries(new URLSearchParams(raw).entries());
+      requests.push({
+        method: req.method,
+        pathname: req.url || '/',
+        params,
+      });
+      if (params.method !== 'alipay.trade.refund') {
+        res.writeHead(404, { 'content-type': 'application/json' });
+        res.end(JSON.stringify({ error_response: { code: '404', msg: 'not found' } }));
+        return;
+      }
+      const biz = JSON.parse(params.biz_content || '{}');
+      res.writeHead(200, { 'content-type': 'application/json' });
+      res.end(
+        JSON.stringify({
+          alipay_trade_refund_response: {
+            code: '10000',
+            msg: 'Success',
+            trade_no: biz.trade_no || `ali-trade-${biz.out_trade_no || 'unknown'}`,
+            out_trade_no: biz.out_trade_no,
+            out_request_no: biz.out_request_no,
+            refund_fee: biz.refund_amount,
+          },
+        }),
+      );
+    });
+  });
+
+  await new Promise((resolve, reject) => {
+    server.once('error', reject);
+    server.listen(port, '127.0.0.1', resolve);
+  });
+
+  return {
+    endpoint: `${baseUrl}/gateway.do`,
+    requests,
+    close: () => server.close(),
+  };
+}
+
 async function createSupabaseJwt(authUserId, options = {}) {
   const secret = new TextEncoder().encode(options.secret || AUTH_JWT_SECRET);
   const now = Math.floor(Date.now() / 1000);
@@ -1539,6 +1605,7 @@ async function testCommerce() {
         merchantSerialNo: 'serial-smoke',
         notifyUrl: 'https://pay.example.test/wechat/notify',
         endpoint: fakeWechatPay.endpoint,
+        refundEndpoint: fakeWechatPay.refundEndpoint,
         wechatpayPublicKey: paymentFixture.wechatPlatformPublicKey,
       },
       secret: {
@@ -1622,6 +1689,41 @@ async function testCommerce() {
   });
   assert.equal(wechatNotifyAgain.item?.idempotent, true, 'duplicate WeChat Pay notify should be idempotent');
 
+  const wechatRefund = await request('/api/commerce/refunds', {
+    userId: TENANT_ADMIN_USER_ID,
+    method: 'POST',
+    body: {
+      orderNo: wechatOrder.item.orderNo,
+      refundNo: 'RF-WECHAT-PROVIDER-001',
+      amountCents: 100,
+      reason: 'provider refund smoke',
+    },
+  });
+  await request('/api/commerce/refunds/status', {
+    userId: TENANT_ADMIN_USER_ID,
+    method: 'POST',
+    body: {
+      refundId: wechatRefund.item.id,
+      action: 'approve',
+    },
+  });
+  const wechatSubmittedRefund = await request('/api/commerce/refunds/status', {
+    userId: TENANT_ADMIN_USER_ID,
+    method: 'POST',
+    body: {
+      refundId: wechatRefund.item.id,
+      action: 'submit_provider_refund',
+      providerNotifyUrl: 'https://pay.example.test/wechat/refund-notify',
+    },
+  });
+  assert.equal(wechatSubmittedRefund.item?.status, 'processing', 'WeChat provider refund should enter processing until refund notify/query confirms');
+  assert.equal(wechatSubmittedRefund.item?.providerRefundNo, 'refund-RF-WECHAT-PROVIDER-001', 'WeChat refund should record provider refund id');
+  const wechatRefundRequest = fakeWechatPay.requests.find(item => item.pathname === '/v3/refund/domestic/refunds');
+  assert.equal(wechatRefundRequest?.body?.out_refund_no, 'RF-WECHAT-PROVIDER-001', 'WeChat refund should use out_refund_no');
+  assert.equal(wechatRefundRequest?.body?.amount?.refund, 100, 'WeChat refund should send refund cents');
+  assert.equal(wechatRefundRequest?.body?.amount?.total, wechatOrder.item.amountCents, 'WeChat refund should send total cents');
+
+  const fakeAlipay = await startFakeAlipayServer();
   const alipayAccount = await request('/api/tenant-admin/payment-accounts', {
     userId: TENANT_ADMIN_USER_ID,
     method: 'PUT',
@@ -1634,6 +1736,7 @@ async function testCommerce() {
         appId: 'alipay-smoke-appid',
         notifyUrl: 'https://pay.example.test/alipay/notify',
         returnUrl: 'https://app.example.test/pay/success',
+        endpoint: fakeAlipay.endpoint,
       },
       secret: {
         secretJson: {
@@ -1688,6 +1791,43 @@ async function testCommerce() {
   assert.equal(alipayNotify.item?.status, 'paid', 'Alipay notify should mark order paid');
   assert.ok(alipayNotify.item?.entitlement?.id, 'Alipay notify should grant entitlement');
 
+  const alipayRefund = await request('/api/commerce/refunds', {
+    userId: TENANT_ADMIN_USER_ID,
+    method: 'POST',
+    body: {
+      orderNo: alipayOrder.item.orderNo,
+      refundNo: 'RF-ALIPAY-PROVIDER-001',
+      amountCents: alipayOrder.item.amountCents,
+      reason: 'alipay provider refund smoke',
+    },
+  });
+  await request('/api/commerce/refunds/status', {
+    userId: TENANT_ADMIN_USER_ID,
+    method: 'POST',
+    body: {
+      refundId: alipayRefund.item.id,
+      action: 'approve',
+    },
+  });
+  const alipaySubmittedRefund = await request('/api/commerce/refunds/status', {
+    userId: TENANT_ADMIN_USER_ID,
+    method: 'POST',
+    body: {
+      refundId: alipayRefund.item.id,
+      action: 'submit_provider_refund',
+    },
+  });
+  assert.equal(alipaySubmittedRefund.item?.status, 'succeeded', 'Alipay provider refund should finish synchronously on success');
+  assert.equal(alipaySubmittedRefund.item?.providerRefundNo, `ali-trade-${alipayOrder.item.orderNo}`, 'Alipay refund should record provider trade number');
+  const alipayRefundRequest = fakeAlipay.requests.find(item => item.params?.method === 'alipay.trade.refund');
+  const alipayRefundBiz = JSON.parse(alipayRefundRequest?.params?.biz_content || '{}');
+  assert.equal(alipayRefundBiz.out_request_no, 'RF-ALIPAY-PROVIDER-001', 'Alipay refund should use out_request_no');
+  assert.equal(alipayRefundBiz.refund_amount, (alipayOrder.item.amountCents / 100).toFixed(2), 'Alipay refund should send yuan amount');
+  const alipayRefundedStatus = await request('/api/commerce/orders/status', {
+    query: { orderNo: alipayOrder.item.orderNo },
+  });
+  assert.equal(alipayRefundedStatus.item?.status, 'refunded', 'synchronous Alipay refund should update order status');
+
   const tamperedAlipayNotify = await request('/api/commerce/payments/notify/alipay', {
     userId: false,
     method: 'POST',
@@ -1699,6 +1839,7 @@ async function testCommerce() {
     expectStatus: 400,
   });
   assert.equal(tamperedAlipayNotify.code, 'PAYMENT_SIGNATURE_INVALID', 'tampered Alipay notify must fail signature verification');
+  fakeAlipay.close();
 }
 
 async function testTenantIsolation() {