feat: 对卡转账统一固定T0到账时效 - 后端强制T0不再由调用端指定（含前端单笔/批量、openapi），前端单笔移除时效选择，文档同步

frontend/src/views/module_payment/account/index.vue

@@ -230,13 +230,6 @@
                 <el-input v-model="transferForm.payee_info.identity" :placeholder="isAlipayPayee ? '请输入收款方支付宝账号' : '请输入收款方银行卡号'" />
               </el-form-item>
               <template v-if="transferForm.payee_info.identity_type === 'BANKCARD_ACCOUNT'">
-                <el-form-item label="到账时效" prop="withdraw_timeliness">
-                  <el-radio-group v-model="transferForm.withdraw_timeliness">
-                    <el-radio label="T1">次日到账（默认）</el-radio>
-                    <el-radio label="T0">当天到账</el-radio>
-                  </el-radio-group>
-                  <div class="form-item-tip">当天到账受银行处理时效影响，不保证100%实时到账</div>
-                </el-form-item>
                 <el-form-item label="账户类型" prop="payee_info.bankcard_ext_info.account_type">
                   <el-select v-model="transferForm.payee_info.bankcard_ext_info!.account_type" placeholder="请选择账户类型">
                     <el-option label="公司账户" value="1" />
@@ -1061,7 +1054,6 @@ const transferForm = reactive({
   order_title: "",
   remark: "",
   transfer_scene_name: "佣金报酬",
-  withdraw_timeliness: "T1",
   payee_info: {
     identity_type: "ALIPAY_USER_ID",
     name: "",
@@ -1653,10 +1645,6 @@ async function handleTransfer() {
                 ? transferForm.payee_info.bankcard_ext_info
                 : undefined,
           },
-          ext_info:
-            transferForm.payee_info.identity_type === "BANKCARD_ACCOUNT"
-              ? { withdraw_timeliness: transferForm.withdraw_timeliness }
-              : undefined,
         });
         // ElMessage.success("转账申请已提交");
         handleTransferListChange();
@@ -1670,7 +1658,6 @@ async function handleTransfer() {
 
 function handleTransferReset() {
   transferFormRef.value?.resetFields();
-  transferForm.withdraw_timeliness = "T1";
   transferForm.payee_info = {
     identity_type: "ALIPAY_USER_ID",
     name: "",

frontend/src/views/module_payment/apikey/index.vue

@@ -787,7 +787,7 @@ Signature: {signature}</code></pre>
                                   <td>withdraw_timeliness</td>
                                   <td>string</td>
                                   <td>否</td>
-                                  <td>到账时效（仅银行卡转账有效）: T0=当天到账, T1=次日到账。不传默认 T1</td>
+                                  <td>到账时效: 银行卡转账固定 T0（当天到账），不支持指定；仅对支付宝账户转账透传 T0/T1</td>
                                 </tr>
                               </tbody>
                             </table>

java/src/main/java/com/payment/platform/module/payment/account/dto/TransferCreateDTO.java

@@ -46,7 +46,7 @@ public class TransferCreateDTO {
     @Schema(description = "优先级: HIGH/NORMAL/LOW")
     private String priority;
 
-    @Schema(description = "扩展信息，支持: withdraw_timeliness (到账时效: T0当天/T1次日, 仅银行卡), transfer_scene_name, transfer_scene_report_infos")
+    @Schema(description = "扩展信息，支持: withdraw_timeliness (到账时效: T0当天/T1次日, 仅非银行卡透传; 对卡转账固定T0), transfer_scene_name, transfer_scene_report_infos")
     private Map<String, Object> extInfo;
 
     @Schema(description = "三方订单号（开放接口使用）")

java/src/main/java/com/payment/platform/module/payment/account/service/AlipayTransferService.java

@@ -594,14 +594,12 @@ public class AlipayTransferService {
 
             // 选填: businessParams（扩展参数透传给支付宝）
             // 支持: withdraw_timeliness（T0/T1）、transfer_scene_name、transfer_scene_report_infos
-            // 注意: withdraw_timeliness 仅对转账到银行卡有效。对卡转账未显式指定时效时默认 T0
-            //（批量转账无时效选项，按业务约定默认当天到账）; 支付宝账户转账不补默认值。
+            // 注意: withdraw_timeliness 仅对转账到银行卡有效。对卡转账固定 T0（当天到账），
+            // 不再由调用端指定（含前端单笔/批量、openapi）; 支付宝账户转账不补默认值。
             boolean isBankCard = "BANKCARD_ACCOUNT".equals(payeeInfo.get("identity_type"));
             Map<String, Object> bizParams = new LinkedHashMap<>();
             if (isBankCard) {
-                bizParams.put("withdraw_timeliness",
-                        extInfo != null && extInfo.containsKey("withdraw_timeliness")
-                                ? extInfo.get("withdraw_timeliness") : "T0");
+                bizParams.put("withdraw_timeliness", "T0");
             } else if (extInfo != null && extInfo.containsKey("withdraw_timeliness")) {
                 // 非银行卡: 保留显式传入时效的透传行为，未传时不补默认值
                 bizParams.put("withdraw_timeliness", extInfo.get("withdraw_timeliness"));