diff --git a/json/transfercode.json b/json/transfercode.json
new file mode 100644
index 0000000..b08e411
--- /dev/null
+++ b/json/transfercode.json
@@ -0,0 +1,15 @@
+{
+	"tblname": "transfercode",
+	"title": "转账码",
+	"params": {
+		"sortby": "id",
+		"browserfields": {
+			"exclouded": ["id"],
+			"alters": {
+			}
+		},
+		"editexclouded": [
+			"id"
+		]
+	}
+}
diff --git a/models/transfercode.xlsx b/models/transfercode.xlsx
new file mode 100644
index 0000000..15201c5
Binary files /dev/null and b/models/transfercode.xlsx differ
diff --git a/unipay/init.py b/unipay/init.py
index 50c997b..6c2bf46 100644
--- a/unipay/init.py
+++ b/unipay/init.py
@@ -8,6 +8,12 @@ from .payfee import get_pay_fee, sor_get_pay_fee, get_paychannels, get_pay_feera
 
 # 从 env 或配置载入 provider conf（这里只示例）
 CONF = {
+	"transfer":{
+		"pop3server": os.getenv("POP3SERVER", ""),
+		"mail": os.getenv("MAIL", ""),
+		"password": os.getenv("PASSWORD", "")
+		"from_mail": os.getenv("FROM_MAIL", "")
+	}
 	"wechat": {
 		"mchid": os.getenv("WXP_MCHID",""),
 		"appid": os.getenv("WXP_APPID", ""),
@@ -132,6 +138,7 @@ async def payment_notify(request, callback, params_kw=None):
 # callback url= "/unipay/notify/{provider}"
 
 def load_unipay():
+	PROVIDERS["transfer"] = get_provider("transfer", CONF["transfer"]),
 	PROVIDERS["wechat"] = get_provider("wechat", CONF["wechat"]),
 	PROVIDERS["paypal"] = get_provider("paypal", CONF["paypal"]),
 	PROVIDERS["alipay"] = get_provider("alipay", CONF["alipay"]),
diff --git a/unipay/notify.py b/unipay/notify.py
index 96ba22c..9202df2 100644
--- a/unipay/notify.py
+++ b/unipay/notify.py
@@ -1,5 +1,7 @@
 # unipay/notify.py
 from typing import Dict
+from appPublic.log import exception
+from .providers.transfer import TransferGateway
 from .providers.wechat import WechatGateway
 from .providers.paypal import PaypalGateway
 from .providers.alipay import AlipayGateway
@@ -12,12 +14,15 @@ def get_provider_channel(name:str):
 		"wechat":"0",
 		"paypal":"1",
 		"alipay":"2",
-		"stripe":"3"
+		"stripe":"3",
+		"transfer":"4"
 	}
 	return channels.get(name, '9')
 
 def get_provider(name: str, conf: Dict):
 	try:
+		if name == "transfer": 
+			return TransferGateway(**conf)
 		if name == "wechat": 
 			return WechatGateway(**conf)
 		if name == "paypal":
@@ -26,7 +31,8 @@ def get_provider(name: str, conf: Dict):
 			return AlipayGateway(**conf)
 		if name == "stripe":
 			return StripeGateway(**conf)
-	except:
+	except Exception as e:
+		exception(f'get_proveder() error {name=}, {conf=}, {e}')
 		return None
 	raise ValueError("unknown provider")
 
diff --git a/unipay/providers/transfer.py b/unipay/providers/transfer.py
new file mode 100644
index 0000000..729523e
--- /dev/null
+++ b/unipay/providers/transfer.py
@@ -0,0 +1,114 @@
+import re
+from random import randint
+import poplib
+from appPublic.log import debug
+from appPublic.dictObject import DictObject
+from appPublic.timeUtils import curDateString, timestampstr
+from email.parser import Parser
+from email.header import decode_header
+from email.utils import parseaddr
+from ..core import Gateway
+
+
+def guess_charset(msg):
+    charset = msg.get_charset()
+    if charset is None:
+        content_type = msg.get('Content-Type', '').lower()
+        pos = content_type.find('charset=')
+        if pos >= 0:
+            charset = content_type[pos + 8:].strip()
+    return charset
+
+class EmailClient:
+	def __init__(self, pop3_server, emailaddress, password):
+		self.client = poplib.POP3(pop3_server)
+		self.client.user(emailaddress)
+		self.client.pass_(password)
+
+	def stat(self):
+		return self.client.stat()
+	
+	def mail_list(self):
+		resp, mails, octets = self.client.list()
+	
+	def get_mail(self, index):
+		resp, lines, octets = self.client.retr(index)
+		debug(f'{resp=}, {octets=}')
+		msg_content = b'\r\n'.join(lines).decode('utf-8')
+		msg = Parser().parsestr(msg_content)
+		mail = {
+			"mailfrom": msg.get('From'),
+			"mailto": msg.get('To'),
+			"subject": msg.get('Subject'),
+			"body": self.get_body(msg)
+		}
+		return DictObject(**mail)
+	
+	def get_body(self, msg):
+		if msg.is_multipart():
+			parts = msg.get_payload()
+			content = ''
+			for part in parts:
+				content += self.get_body(part)
+			return content
+		else:
+			content_type = msg.get_content_type()
+			content = msg.get_payload(decode=True)
+			charset = guess_charset(msg)
+			if charset:
+				content = content.decode(charset)
+			else:
+				content = content.decode('utf-8')
+			return content
+
+class TransferPay(Gateway):
+	def __init__(self, from_mail="", pop3server="", email="", password=""):
+		self.from_email = from_email
+		self.pop3server = pop3server
+		self.email = email
+		self.password = password
+		self.running = False
+	
+	async def create_payment(self, payload: Dict[str, Any]) -> str:
+        """
+        返回一个可以在 H5 里直接重定向的支付宝支付 URL
+        """
+        ns = {
+            "id": payload["out_trade_no"],
+			"customerid": payload['customerid'],
+            "amount": payload["amount"],
+            "tcode": self.gen_mailcode(),
+            "curdate": curDateString(),
+			"curtime": timestampstr(),
+			"status": '0'
+		}
+		return 
+
+	def get_transfer_data(self, mail):
+		assert mail.mailfrom == '95555@message.cmbchina.com'
+		assert mail.mailto == self.email
+		assert mail.body.startswith('动账业务通知')
+		ns = DictObject()
+		match = re.search(r'交易金额\s*[:：]?\s*(\d+(?:\.\d+)?)', mail.body)
+		if match:
+			ns.amount = float(match.group(1))
+		p =  r'摘要[:：]\s*(\d{7})(?!\d)'
+		match = re.search(r'摘要[:：]\s*(\d{7})(?!\d)', mail.body)
+		if match:
+			ns.code = match.group(1)
+		assert ns.amount
+		assert ns.code
+		return ns
+	
+	def gen_mailcode(self):
+		c = '1'
+		for range(6):
+			c += randint(0,9)
+		return c
+		
+	def run(self):
+		self.running = True
+		while self.running:
+			ec = EmailClient(self.pop3server, self.email, self.password)
+			mail = ec.get_mail(1)
+