diff --git a/docs/uniCloud/uni-pay.md b/docs/uniCloud/uni-pay.md
index 5355fdc284e67f2871280a122be986c732343835..f7f77f55e14aae306dd9a21f696bc807c2aad22d 100644
--- a/docs/uniCloud/uni-pay.md
+++ b/docs/uniCloud/uni-pay.md
@@ -1625,6 +1625,12 @@ await uniIdCo.getOrder({
 
 ### 发起退款@refund
 
+**注意**
+
+发起退款默认需要admin权限（基于uni-id用户体系登录），否则会报权限不足或缺少token。[查看uni-id介绍](https://uniapp.dcloud.net.cn/uniCloud/uni-id-summary.html)
+
+当然，你也可以修改`uni-pay-co/config/permission.js`这个文件内的权限规则。
+
 **支付组件方法形式（推荐）**
 
 ```js