用户T日有笔订单支付了100元，T+1日用户与商家协商后由商家发起退款
1）T+1日假如该商户如果没支付订单，T+2日商户是收到-100的清算资金吗
2）T+1日假如该商户存在支付订单>100元，T+2日商户收到的清算资金是当日所有支付资金-100元吗？
3）T+1日假如该商户存在支付订单<100元呢？
微信支付后申请退款的资金清算问题Funds clearing problem for refund application after WeChat payment
微信支付后申请退款的资金清算问题用户T日有笔订单支付了100元，T+1日用户与商家协商后由商家发起退款
1）T+1日假如该商户如果没支付订单，T+2日商户是收到-100的清算资金吗
2）T+1日假如该商户存在支付订单>100元，T+2日商户收到的清算资金是当日所有支付资金-100元吗？
3）T+1日假如该商户存在支付订单<100元呢？
The user paid 100 yuan for an order on t day, and the merchant will initiate a refund after negotiation between the user and the merchant on T + 1 day. 1) if the Merchant fails to pay the order on T + 1 day, will the merchant receive - 100 yuan of settlement funds on T + 2 day? 2) if the merchant has a payment order > 100 yuan on T + 1 day, will the settlement funds received by the merchant on T + 2 day be - 100 yuan of all payment funds on that day? 3) On T + 1, what if the merchant has a payment order < 100 yuan?
回答：
1、不是，商户资金不足，无法退款
2、T+1日结算金额为T日实收金额-退款金额-手续费
3、退款失败
“T+1日假如该商户存在支付订单<100元呢？”
建议设置提现留存额，应对少量订单退款情况。
原文出处:微信支付后申请退款的资金清算问题
群主管理都是支付大佬
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今天固定时间清算昨天0点-24点的金额；如果今天余额不足会导致退款失败。