优化
增加账户相关交易接口
增加专款账户设计
优化错误返回结果
diff --git a/payapi-spec/consumeapi.yaml b/payapi-spec/consumeapi.yaml
index 1df2d8c..a9b91b9 100644
--- a/payapi-spec/consumeapi.yaml
+++ b/payapi-spec/consumeapi.yaml
@@ -149,12 +149,8 @@
               application/json:
                 schema:
                   $ref: '#/components/schemas/QrcodePayInitResponse'
-          'default':
-            description: 请求错误
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+          default:
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     qrcodePayConfirm:
       parameters:
         - $ref: definitions.yaml#/components/headers/TenantId
@@ -181,12 +177,8 @@
               application/json:
                 schema:
                   $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
-          'default':
-            description: 交易失败
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+          default:
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     qrcodePayQuery:
       parameters:
         - $ref: 'definitions.yaml#/components/headers/TenantId'
@@ -209,12 +201,8 @@
               application/json:
                 schema:
                   $ref: '#/components/schemas/QrcodePayConfirmResponse'
-          'default':
-            description: 查询失败
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+          default:
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     refund:
       parameters:
         - $ref: 'definitions.yaml#/components/headers/TenantId'
@@ -236,17 +224,14 @@
                 schema:
                   $ref: '#/components/schemas/RefundResponse'
           '409':
-            description: 退款申请失败,订单号已存在或正在退款中
+            description: |
+              退款申请失败,订单号已存在或正在退款中
             content:
               application/json:
                 schema:
                   $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
           default:
-            description: 退款申请失败
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+            $ref: 'definitions.yaml#/components/responses/CommonError'
     refundQuery:
       parameters:
         - $ref: 'definitions.yaml#/components/headers/TenantId'
@@ -276,8 +261,4 @@
                 schema:
                   $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
           default:
-            description: 退款申请失败
-            content:
-              application/json:
-                schema:
-                  $ref: 'definitions.yaml#/components/schemas/ErrorResponse'
+            $ref: 'definitions.yaml#/components/responses/CommonError'