微信支付 商家转账到零钱 Api 过程

企业付款到零钱，已经限额500以内，完全不够用

商家转账到零钱，限额20000单笔，需要申请要按不通过原因修改多试几次

准备前提：

1，平台证书，商家证书，一共2个；

2，设置APIv3密钥；

正文：

商家证书可直接申请下载：

https://pay.weixin.qq.com/index.php/core/cert/api_cert

平台证书必须用api获取下载：

https://github.com/wechatpay-apiv3/wechatpay-php

项目根目录运行

composer require wechatpay/wechatpay

//composer 后可在 看到 \项目\vendor\wechatpay\wechatpay//README.md//php -f ./bin/CertificateDownloader.php -- -k ${apiV3key} -m ${mchId} -f ${mchPrivateKeyFilePath} -s ${mchSerialNo} -o ${outputFilePath}//运行php -f ./bin/CertificateDownloader.php -- -k 111111111111111111111111 -m 333333333 -f D:/work/web/项目/config/apiclient_key.pem -s 222222222222222222222222222222 -o D:/work/web/项目/view/wp/wechatpay-php-main/cert//运行正确返回*   Trying 220.194.111.102:443...* Connected to api.mch.weixin.qq.com (220.194.111.102) port 443 (#0)* ALPN, offering http/1.1* successfully set certificate verify locations:*   CAfile: D:\php\extras\ssl\cacert.pem  CApath: none* SSL connection using TLSv1.2 / ECDHE-RSA-AES256-GCM-SHA384* ALPN, server accepted to use http/1.1* Server certificate:*  subject: C=CN; ST=Guangdong Province; L=Shenzhen; O=Tenpay Technology Company Limited; CN=payapp.weixin.qq.com*  start date: Sep 21 00:00:00 2022 GMT*  expire date: Oct 21 23:59:59 2023 GMT*  subjectAltName: host "api.mch.weixin.qq.com" matched cert's "*.mch.weixin.qq.com"*  issuer: C=US; O=DigiCert Inc; CN=DigiCert Secure Site CN CA G3*  SSL certificate verify ok.> GET /v3/certificates Http/1.1Host: api.mch.weixin.qq.coMaccept: application/JSON, text/plain, application/x-gzip, application/pdf, image/png, image/*;q=0.5Content-Type: application/json; charset=utf-8User-Agent: wechatpay-PHP/1.4.8 GuzzleHttp/7 curl/7.70.0 (WINNT/10.0) php/7.4.30Authorization: WECHATPAY2-SHA256-RSA2048 mchid=...........-----BEGIN CERTIFICATE-----AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA...........AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA-----END CERTIFICATE-----

复制证书内容，或者在输出目录outputFilePath可找到一个.pem文件

page(0,15)->order(['configid'=>'asc'])->select()->toArray();$cfg = ['appid' => $res[0]['value'],'app_id' => $res[0]['value'],'appsecret' => $res[1]['value'],'secret' => $res[1]['value'],'pc_appid' => $res[2]['value'],'pc_appsecret' => $res[3]['value'],'access_token' => $res[4]['value'],'pc_access_token' => $res[5]['value'],'mch_id' => $res[6]['value'],'key' => $res[7]['value'],'notify_url' => $res[8]['value'],'cert_path' => $res[9]['value'],//商家证书'key_path' => $res[10]['value'],];$this->cfg = $cfg;}private static function shopTransfer($obj,$config){$url = 'https://api.mch.weixin.qq.com/v3/transfer/batches';$http_method = 'POST';$orderno=$obj['orderno'];$data = ['appid' => $config['app_id'],'out_batch_no' => $orderno,'batch_name' => '货款到账','batch_remark' => '货款已到账至微信','total_amount' => round($obj['amount']*100),'total_num' => 1,'transfer_detail_list' => [['out_detail_no' => $orderno.'1','transfer_amount' => round($obj['amount']*100),'transfer_remark' => '货款到账','user_name' => self::getEncrypt($obj['real_name'],$config),'openid' => $obj['openid'],]]];$token  = self::token($url,$http_method,$data,$config);$result = self::https_request($url,json_encode($data),$token);$result_arr = json_decode($result,true);var_dump($result);if(!isset($result_arr['create_time'])) {Db::execute("insert into err_log (title,text,createtime) values ('$orderno','$result',now())");throw new \Exception($result_arr['message']);}return true;}private static function token($url,$http_method,$data,$config){$timestamp   = time();$url_parts   = parse_url($url);$nonce       = $timestamp.rand('10000','99999');$body        = empty($data) ? '' : json_encode((object)$data);$stream_opts = ["ssl" => ["verify_peer"=>false,"verify_peer_name"=>false,]];$apiclient_cert_arr = openssl_x509_parse(file_get_contents($config['cert_path'],false, stream_context_create($stream_opts)));//商家证书路径$serial_no          = $apiclient_cert_arr['serialNumberHex'];$mch_private_key    = file_get_contents($config['key_path'],false, stream_context_create($stream_opts));//商家证书路径$merchant_id = $config['mch_id'];$canonical_url = ($url_parts['path'] . (!empty($url_parts['query']) ? "?${url_parts['query']}" : ""));$message = $http_method."\n".$canonical_url."\n".$timestamp."\n".$nonce."\n".$body."\n";openssl_sign($message, $raw_sign, $mch_private_key, 'sha256WithRSAEncryption');$sign = base64_encode($raw_sign);$schema = 'WECHATPAY2-SHA256-RSA2048';$token = sprintf('mchid="%s",nonce_str="%s",timestamp="%d",serial_no="%s",signature="%s"',$merchant_id, $nonce, $timestamp, $serial_no, $sign);return $schema.' '.$token;}private static function https_request($url,$data,$token){$curl = curl_init();curl_setopt($curl, CURLOPT_URL, (string)$url);curl_setopt($curl, CURLOPT_SSL_VERIFYPEER, FALSE);curl_setopt($curl, CURLOPT_SSL_VERIFYHOST, FALSE);if (!empty($data)){curl_setopt($curl, CURLOPT_POST, 1);curl_setopt($curl, CURLOPT_POSTFIELDS, $data);}curl_setopt($curl, CURLOPT_RETURNTRANSFER, 1);$headers = ['Authorization:'.$token,'Wechatpay-Serial:EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE',//平台证书序列号，文件名称里'Accept: application/json','Content-Type: application/json; charset=utf-8','User-Agent:Mozilla/5.0 (windows NT 10.0; WOW64) AppleWEBKit/537.36 (Khtml, like Gecko) Chrome/63.0.3239.132 Safari/537.36',];var_dump($headers);echo '



';if(!empty($headers)){curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);}$output = curl_exec($curl);var_dump($output);curl_close($curl);return $output;}private static function getEncrypt($str,$config){$public_key = file_get_contents('/home/api/config/wechatpay_EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE.pem');//平台证书路径$encrypted = '';if (openssl_public_encrypt($str, $encrypted, $public_key, OPENSSL_PKCS1_OAEP_PADDING)) {$sign = base64_encode($encrypted);} else {throw new \Exception('encrypt failed');}return $sign;}public function withdrawals(){$config = $this->cfg;$obj = Db::query("select a.amount,a.orderno,b.real_name,ifnull(openid,pcopenid)as openid from withdrawals a,shop b,users c where a.shopid=b.shopid and b.usersid=c.usersid and withdrawalsid=45")[0];if($obj['amount']<0.3){$obj['amount']=0.3;}self::shopTransfer($obj,$config);}}

注意商家证书和平台证书别搞混就没问题了

运行结果

{"code":"INVALID_REQUEST","message":"此IP地址不允许调用该接口\t"}"

https://pay.weixin.qq.com/index.php/xphp/csptrans_pocket_v2/product_manage

里设置白名单

{"batch_id":"111111111111111111111111111111111","create_time":"2023-04-06T18:28:18+08:00","out_batch_no":"W222222222222222222"}"

参考内容

签名生成-接口规则 | 微信支付商户平台文档中心

微信支付-开发者文档

GitHub - wechatpay-apiv3/wechatpay-php: 微信支付 APIv3 的官方 PHP Library，同时也支持 APIv2

接入微信支付的坑 - 腾讯云开发者社区-腾讯云

其它

https://pay.weixin.qq.com/xdc/mchtranstemplate/index.php/xphp/cgi/page/setting/scene?template_code=1009

里维护转账用户，姓名和openid

来源地址：https://blog.csdn.net/qq_34368953/article/details/129996103