diff --git a/src/Payment/Fund/Client.php b/src/Payment/Fund/Client.php
index ba27ceb..05d5d24 100755
--- a/src/Payment/Fund/Client.php
+++ b/src/Payment/Fund/Client.php
@@ -24,6 +24,8 @@ class Client extends AppClient
         $contentBuilder->setOutBizNo($payload['out_biz_no']);
         $contentBuilder->setTransAmount($payload['trans_amount']);
         $contentBuilder->setIdentity($payload['identity']);
+        $productCode = $payload['product_code'] ?? 'TRANS_ACCOUNT_NO_PWD';
+        $contentBuilder->setProductCode($productCode);
         if (isset($payload['identity_type'])) {
             $contentBuilder->setIdentity($payload['identity_type']);
         }
@@ -33,9 +35,8 @@ class Client extends AppClient
         if (isset($payload['remark'])) {
             $contentBuilder->setRemark($payload['remark']);
         }
-        if (isset($payload['biz_scene'])) {
-            $contentBuilder->setBizScene($payload['biz_scene']);
-        }
+        $bizScene = $payload['biz_scene'] ?? 'DIRECT_TRANSFER';
+        $contentBuilder->setBizScene($bizScene);
         if (isset($payload['order_title'])) {
             $contentBuilder->setOrderTitle($payload['order_title']);
         }
diff --git a/src/Payment/Model/AlipayFundTransUniTransferContentBuilder.php b/src/Payment/Model/AlipayFundTransUniTransferContentBuilder.php
index 3c90af8..616a881 100644
--- a/src/Payment/Model/AlipayFundTransUniTransferContentBuilder.php
+++ b/src/Payment/Model/AlipayFundTransUniTransferContentBuilder.php
@@ -161,4 +161,10 @@ class AlipayFundTransUniTransferContentBuilder extends BaseContentBuilder
         $this->businessParams = $businessParams;
         $this->bizContentarr['business_params'] = $businessParams;
     }
+
+    public function setProductCode($productCode = 'TRANS_ACCOUNT_NO_PWD')
+    {
+        $this->productCode = $productCode;
+        $this->bizContentarr['product_code'] = $productCode;
+    }
 }
\ No newline at end of file