PHP-微信支付-商家转账到零钱

接入准备：

1、申请AppID【公众号或者小程序ID】

2、申请mchid【商户平台ID】

3、配置商户平台【配置API key、下载并配置商户证书、开通商家转账到零钱产品功能】

4、绑定AppID及mchid

官方文档-开发指引

文中代码以thinPHP为例：

<?php

namespace app\api\controller;

use InvalidArgumentException;
use think\facade\Db;

/**
 * 支付控制器
 */
class ZhuanZhang extends BaseApi
{
    protected $mch_id = '16********';
    protected $appid = 'wx****************';
    // 证书、密钥地址
    protected $cert_pem = '/.../apiclient_cert.pem';
    protected $key_pem = '/.../apiclient_key.pem';
    public function __construct()
    {
        parent::__construct();
    }

    public function index()
    {
        $remark = '用户提现';
        // 需要转账的用户信息
        $arr = [
            [
                'order_sn'=>'TEST'.time(),
                'total_money'=>1,
                'openid'=>'**************************'
            ]
        ];
        // 转账明细列表
        $transfer_detail_list = [];
        foreach($arr as $k=>$v){
            $transfer_detail_list[$k]['out_detail_no'] = $v['order_sn'].($k+1);
            $transfer_detail_list[$k]['transfer_amount'] = (int)bcmul($v['total_money'], 100, 0);;
            $transfer_detail_list[$k]['transfer_remark'] = $remark;
            $transfer_detail_list[$k]['openid'] = $v['openid'];
        }

        // 参数
        $out_batch_no = 'TEST'.time(); // 商家批次单号
        $batch_name = '用户提现'; // 该笔批量转账的名称
        $batch_remark = '用户提现'; // 转账说明，最多允许32个字符
        $total_amount = array_sum(array_column($arr,'total_money')); // 转账总金额单位为“分”。
        $total_num = count($arr); // 转账总笔数,一个转账批次单最多发起一千笔转账

        $params = [
            'appid'=>$this->appid,
            'out_batch_no'=>$out_batch_no,
            'batch_name'=>$batch_name,
            'batch_remark'=>$batch_remark,
            'total_amount'=>$total_amount * 100,
            'total_num'=>$total_num,
            'transfer_detail_list'=>$transfer_detail_list,
        ];

        // 商家转账没有要求参数排序，可写可不写
        $params = $this->param_filter($params);   //  过滤参数
        $params = $this->param_sort($params);    //  参数排序

        $url = 'https://api.mch.weixin.qq.com/v3/transfer/batches';
        $params = json_encode($params);
        $token = $this->getToken($url,time(),$params);

        $res_xml = $this->https_request($url,$params,$token);

        $resArr = json_decode($res_xml,true);
        // 查看请求数据
        var_dump($resArr);
        // 业务逻辑...
    }

    // 获取请求头
    public function getToken($url,$timestamp,$body='',$http_method='POST')
    {
        $url_parts   = parse_url($url); //获取请求的绝对URL
        $nonce       = $this->nonce();  //请求随机串
        $stream_opts = [
            "ssl" => [
                "verify_peer"=>false,
                "verify_peer_name"=>false,
            ]
        ];
        $apiclient_cert_path = $this->cert_pem;
        $apiclient_key_path  = $this->key_pem;
        $apiclient_cert_arr = openssl_x509_parse(file_get_contents($apiclient_cert_path,false, stream_context_create($stream_opts)));
        $serial_no          = $apiclient_cert_arr['serialNumberHex'];   // 证书序列号(忽略)
        $mch_private_key    = file_get_contents($apiclient_key_path,false, stream_context_create($stream_opts));    // 密钥
        $merchant_id = $this->mch_id;   // 商户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);   // 签名
        return sprintf('mchid="%s",nonce_str="%s",timestamp="%d",serial_no="%s",signature="%s"',
            $merchant_id, $nonce, $timestamp, $serial_no, $sign);   // 微信返回token
    }

    // 过滤参数
    public function param_filter($para)
    {
        $paraFilter = [];
        foreach ($para as $key => $val) {
            if ($val === '' || $val === null) {
                continue;
            }
            if (!is_array($para[$key])) {
                if (!is_numeric($para[$key])){
                    $para[$key] = is_bool($para[$key]) ? $para[$key] : trim($para[$key]);
                }
            }

            $paraFilter[$key] = $para[$key];
        }

        return $paraFilter;
    }

    // 参数排序
    public function param_sort(array $param)
    {
        ksort($param);
        reset($param);

        return $param;
    }


    /**
     *请求接口
     */
    function https_request($url,$data = null,$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);
        //添加请求头
        $headers = [
            'Authorization:WECHATPAY2-SHA256-RSA2048 '.$token,
            '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',
        ];
        if(!empty($headers)){
            curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
        }
        $output = curl_exec($curl);
        curl_close($curl);
        return $output;
    }
    
    // 随机数
    public function nonce(int $size = 32)
    {
        if ($size < 1) {
            throw new InvalidArgumentException('Size must be a positive integer.');
        }

        return implode('', array_map(static function(string $c): string {
            return '0123456789ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz'[ord($c) % 62];
        }, str_split(random_bytes($size))));
    }


}

本文参考：微信支付V3（商家转账到零钱）_php 微信支付商户转账到零钱v3-CSDN博客