diff --git a/unipay/providers/wechat.py b/unipay/providers/wechat.py
index 767f73c..a3f6dd0 100644
--- a/unipay/providers/wechat.py
+++ b/unipay/providers/wechat.py
@@ -29,15 +29,7 @@ class WechatGateway(Gateway):
 		self.mchid = mchid
 		self.appid = appid
 		self.cert_serial_no = cert_serial_no
-		self.api_v3_key = None
-		try:
-			key_bytes = api_v3_key.encode()
-			if len(key_bytes) == 32 and api_v3_key not in ("None", "none", ""):
-				self.api_v3_key = key_bytes
-			else:
-				print(f"[unipay] wechat WXP_API_V3_KEY invalid (len={len(key_bytes)}), callback will be disabled", flush=True)
-		except Exception:
-			print(f"[unipay] wechat WXP_API_V3_KEY invalid, callback will be disabled", flush=True)
+		self.api_v3_key = api_v3_key.encode()
 
 		# 加载私钥
 		self._private_key = serialization.load_pem_private_key(
@@ -94,8 +86,6 @@ class WechatGateway(Gateway):
 			encrypt_info = cert["encrypt_certificate"]
 
 			# 解密平台证书
-			if self.api_v3_key is None:
-				raise ValueError("WXP_API_V3_KEY not configured, cannot verify callback")
 			aesgcm = AESGCM(self.api_v3_key)
 			pub_pem = aesgcm.decrypt(
 				nonce=encrypt_info["nonce"].encode(),
@@ -140,8 +130,6 @@ class WechatGateway(Gateway):
 	# 工具：解密 resource.ciphertext
 	# -----------------------------------------------------
 	def _decrypt_resource(self, resource: Dict[str, Any]) -> Dict[str, Any]:
-		if self.api_v3_key is None:
-			raise ValueError("WXP_API_V3_KEY not configured, cannot decrypt callback")
 		aesgcm = AESGCM(self.api_v3_key)
 		plaintext = aesgcm.decrypt(
 			nonce=resource["nonce"].encode(),
@@ -155,16 +143,16 @@ class WechatGateway(Gateway):
 	# -----------------------------------------------------
 	async def create_payment(self, payload: Dict[str, Any]) -> str:
 		"""
-		H5 下单（返回浏览器可打开的支付页面 URL）
+		H5 下单（默认 H5，可改为 jsapi/native）
 		"""
 		body = {
 			"appid": self.appid,
 			"mchid": self.mchid,
-			"description": payload.get("subject") or payload.get("payment_name", "充值"),
+			"description": payload["subject"],
 			"out_trade_no": payload["out_trade_no"],
 			"notify_url": payload["notify_url"],
 			"amount": {
-				"total": int(payload["amount"] * 100),
+				"total": int(payload["amount"]),
 				"currency": payload.get("currency", "CNY")
 			},
 			"scene_info": {
@@ -184,14 +172,9 @@ class WechatGateway(Gateway):
 				"Content-Type": "application/json"
 			}) as resp:
 				ret = await resp.json()
-				if resp.status != 200:
-					err_code = ret.get("code", "UNKNOWN")
-					err_msg = ret.get("message", str(ret))
-					raise Exception(f"WeChat API error (HTTP {resp.status}): [{err_code}] {err_msg}")
-				h5_url = ret.get("h5_url")
-				if not h5_url:
-					raise Exception(f"WeChat API response missing h5_url: {json.dumps(ret, ensure_ascii=False)}")
-				return h5_url
+				return ret.get("h5_url")
+
+		return None
 
 	# -----------------------------------------------------
 	async def refund(self, payload: Dict[str, Any]) -> Dict[str, Any]:
diff --git a/wwwroot/transfer_info.ui b/wwwroot/transfer_info.ui
index 9715754..e5e8715 100644
--- a/wwwroot/transfer_info.ui
+++ b/wwwroot/transfer_info.ui
@@ -1,69 +1,41 @@
 {
 	"widgettype": "VBox",
 	"options": {
-		"width": "100%",
-		"children": [
-			{
-				"widgettype": "Title",
-				"options": {
-					"text": "线下转账充值"
-				}
-			},
-			{
-				"widgettype": "Text",
-				"options": {
-					"text": "请向以下账户转账，并在附言中填写转账码："
-				}
-			},
-			{
-				"widgettype": "Form",
-				"options": {
-					"readonly": true,
-					"fields": [
-						{
-							"name": "account_name",
-							"label": "收款户名",
-							"uitype": "str"
-						},
-						{
-							"name": "bank_name",
-							"label": "开户银行",
-							"uitype": "str"
-						},
-						{
-							"name": "bank_branch",
-							"label": "开户支行",
-							"uitype": "str"
-						},
-						{
-							"name": "account_no",
-							"label": "收款账号",
-							"uitype": "str"
-						},
-						{
-							"name": "amount",
-							"label": "转账金额",
-							"uitype": "str"
-						},
-						{
-							"name": "tcode",
-							"label": "转账码",
-							"uitype": "str"
-						},
-						{
-							"name": "curdate",
-							"label": "日期",
-							"uitype": "str"
-						}
-					]
-				}
-			},
-			{
-				"widgettype": "Text",
-				"options": {
-					"text": "转账完成后，系统将自动匹配转账码并完成充值。如有疑问请联系客服。"
-				}
+		"width": "100%"
+	},
+	"subwidgets": [
+		{
+			"widgettype": "Title",
+			"options": {
+				"text": "线下转账充值"
 			}
-		]
-	}
+		},
+		{
+			"widgettype": "Text",
+			"options": {
+				"text": "请向以下账户转账，并在附言中填写转账码："
+			}
+		},
+		{
+			"widgettype": "Form",
+			"options": {
+				"readonly": true,
+				"fields": [
+					{"name": "account_name", "label": "收款户名", "uitype": "str"},
+					{"name": "bank_name", "label": "开户银行", "uitype": "str"},
+					{"name": "bank_branch", "label": "开户支行", "uitype": "str"},
+					{"name": "account_no", "label": "收款账号", "uitype": "str"},
+					{"name": "amount", "label": "转账金额", "uitype": "str"},
+					{"name": "tcode", "label": "转账码", "uitype": "str"},
+					{"name": "curdate", "label": "日期", "uitype": "str"}
+				]
+			}
+		},
+		{
+			"widgettype": "Text",
+			"options": {
+				"text": "转账完成后，系统将自动匹配转账码并完成充值。如有疑问请联系客服。"
+			}
+		}
+	]
 }