diff --git a/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/v3/auth/AutoUpdateCertificatesVerifier.java b/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/v3/auth/AutoUpdateCertificatesVerifier.java
index f5219e500..7b39aad36 100755
--- a/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/v3/auth/AutoUpdateCertificatesVerifier.java
+++ b/weixin-java-pay/src/main/java/com/github/binarywang/wxpay/v3/auth/AutoUpdateCertificatesVerifier.java
@@ -3,23 +3,22 @@ package com.github.binarywang.wxpay.v3.auth;
 import com.github.binarywang.wxpay.config.WxPayHttpProxy;
 import com.github.binarywang.wxpay.util.HttpProxyUtils;
 import com.github.binarywang.wxpay.v3.Credentials;
-import com.github.binarywang.wxpay.v3.Validator;
 import com.github.binarywang.wxpay.v3.WxPayV3HttpClientBuilder;
 import com.github.binarywang.wxpay.v3.util.AesUtils;
 import com.github.binarywang.wxpay.v3.util.PemUtils;
 import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
 import com.google.gson.JsonObject;
 import lombok.Getter;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import me.chanjar.weixin.common.error.WxRuntimeException;
 import me.chanjar.weixin.common.util.json.GsonParser;
+import org.apache.http.HttpStatus;
 import org.apache.http.client.methods.CloseableHttpResponse;
 import org.apache.http.client.methods.HttpGet;
 import org.apache.http.impl.client.CloseableHttpClient;
 import org.apache.http.util.EntityUtils;
-import java.time.Instant;
-import java.time.temporal.ChronoUnit;
 
 import java.io.ByteArrayInputStream;
 import java.io.IOException;
@@ -28,9 +27,12 @@ import java.security.GeneralSecurityException;
 import java.security.cert.CertificateExpiredException;
 import java.security.cert.CertificateNotYetValidException;
 import java.security.cert.X509Certificate;
+import java.time.Instant;
+import java.time.temporal.ChronoUnit;
 import java.util.ArrayList;
 import java.util.Collections;
 import java.util.List;
+import java.util.Optional;
 import java.util.concurrent.locks.ReentrantLock;
 
 /**
@@ -141,12 +143,7 @@ public class AutoUpdateCertificatesVerifier implements Verifier {
   private void autoUpdateCert() throws IOException, GeneralSecurityException {
     WxPayV3HttpClientBuilder wxPayV3HttpClientBuilder = WxPayV3HttpClientBuilder.create()
       .withCredentials(credentials)
-      .withValidator(verifier == null ? new Validator() {
-        @Override
-        public boolean validate(CloseableHttpResponse response) throws IOException {
-          return true;
-        }
-      } : new WxPayValidator(verifier));
+      .withValidator(verifier == null ? response -> true : new WxPayValidator(verifier));
 
     //调用自定义扩展设置设置HTTP PROXY对象
     HttpProxyUtils.initHttpProxy(wxPayV3HttpClientBuilder,this.wxPayHttpProxy);
@@ -162,15 +159,15 @@ public class AutoUpdateCertificatesVerifier implements Verifier {
     CloseableHttpResponse response = httpClient.execute(httpGet);
     int statusCode = response.getStatusLine().getStatusCode();
     String body = EntityUtils.toString(response.getEntity());
-    if (statusCode == 200) {
+    if (statusCode == HttpStatus.SC_OK) {
       List<X509Certificate> newCertList = deserializeToCerts(apiV3Key, body);
       if (newCertList.isEmpty()) {
-        log.warn("Cert list is empty");
-        return;
+        throw new WxRuntimeException("Cert list is empty");
       }
       this.verifier = new CertificatesVerifier(newCertList);
     } else {
       log.warn("Auto update cert failed, statusCode = " + statusCode + ",body = " + body);
+      throw new WxRuntimeException(this.getErrorMsg(body));
     }
   }
 
@@ -223,4 +220,11 @@ public class AutoUpdateCertificatesVerifier implements Verifier {
     return verifier.getValidCertificate();
   }
 
+  private String getErrorMsg(String body) {
+    return Optional
+      .ofNullable(GsonParser.parse(body).getAsJsonObject())
+      .map(resp -> resp.get("message"))
+      .map(JsonElement::getAsString)
+      .orElse("update cert failed");
+  }
 }
diff --git a/weixin-java-pay/src/test/java/com/github/binarywang/wxpay/v3/auth/AutoUpdateCertificatesVerifierTest.java b/weixin-java-pay/src/test/java/com/github/binarywang/wxpay/v3/auth/AutoUpdateCertificatesVerifierTest.java
new file mode 100644
index 000000000..e04ecf28e
--- /dev/null
+++ b/weixin-java-pay/src/test/java/com/github/binarywang/wxpay/v3/auth/AutoUpdateCertificatesVerifierTest.java
@@ -0,0 +1,55 @@
+package com.github.binarywang.wxpay.v3.auth;
+
+import com.github.binarywang.wxpay.bean.merchanttransfer.TransferCreateRequest;
+import com.github.binarywang.wxpay.bean.merchanttransfer.TransferCreateRequest.TransferDetailList;
+import com.github.binarywang.wxpay.bean.merchanttransfer.TransferCreateResult;
+import com.github.binarywang.wxpay.exception.WxPayException;
+import com.github.binarywang.wxpay.service.WxPayService;
+import com.github.binarywang.wxpay.testbase.ApiTestModule;
+import com.google.inject.Inject;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.http.util.Asserts;
+import org.assertj.core.util.Lists;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.testng.annotations.Guice;
+import org.testng.annotations.Test;
+
+/**
+ * 商家转账到零钱（直连商户）- 商户号配置信息错误时健壮性判断单元测试
+ * @author imyzt
+ * created on  2022/10/23
+ */
+@Slf4j
+@Test
+@Guice(modules = ApiTestModule.class)
+public class AutoUpdateCertificatesVerifierTest {
+
+  private final Logger logger = LoggerFactory.getLogger(this.getClass());
+
+  @Inject
+  private WxPayService payService;
+
+  @Test
+  public void testVerify() throws WxPayException {
+    TransferDetailList transferDetailList = new TransferDetailList();
+    transferDetailList.setOutDetailNo("test")
+      .setOpenid("test")
+      .setTransferAmount(1)
+      .setOutDetailNo("test")
+      .setUserName("test");
+    TransferCreateRequest req = TransferCreateRequest.builder()
+      .appid("wxd930ea5d5a258f4f")
+      .batchName("test")
+      .outBatchNo("")
+      .totalAmount(1)
+      .totalNum(1)
+      .transferDetailList(Lists.newArrayList(transferDetailList))
+      .build();
+    TransferCreateResult transfer = payService.getMerchantTransferService().createTransfer(req);
+    Asserts.notNull(transfer, "transfer");
+
+    // 商户未申请过证书。请到商户平台上申请证书授权机构颁发的证书。详情可参考:http://kf.qq.com/faq/180824JvUZ3i180824YvMNJj.html
+
+  }
+}