微信商户提现到银行卡 亲测有效

改成方法的了 大家拿到框架里面 进行封装就行了转载请注明出处哈 

https://blog.csdn.net/qq_25861247/article/details/88283971

亲测有效大家试试

/*
   * 获取公钥,格式为PKCS#1 转PKCS#8
   * openssl rsa -RSAPublicKey_in -in pubkey.pem -pubout > newpubkey.pem
   * */

function get_pub_key()
{

        $data['mch_id'] = '';
        $data['nonce_str'] = md5(time());
        $sign =getParam($data);
        $dataXML="<xml>
      <mch_id>".$data['mch_id']."</mch_id>
      <nonce_str>".$data['nonce_str']."</nonce_str>
      <sign>".$sign."</sign>
      </xml>";
        $url = 'https://fraud.mch.weixin.qq.com/risk/getpublickey';
        $ret = httpsPost($url,$dataXML,true);

    print_r($ret);die;
        if($ret['return_code'] == 'SUCCESS' && isset($ret['pub_key'])){
            file_put_contents('./cert/pubkey.pem',$ret['pub_key']);
            return $ret['pub_key'];
        }else{
            return null;
        }

}


//企业付款到银行卡
 function payBank()
{

    $out_trade_no = date('Ymdhis', time()).substr(floor(microtime()*1000),0,1).rand(0,9);
    $money = 100;
    $enc_bank_no = '';
    $enc_true_name = '';
    $bank_name = '';
    $desc = '企业付款到银行卡测试';
//    $wxapi = new Wechat($appid,$appsecret,$mchid,$key,$sslcert,$sslkey);
    $payment_no = payForBank($out_trade_no,$money,$enc_bank_no,$enc_true_name,$bank_name,$desc);
    if($payment_no){
        echo '微信付款到银行卡操作成功，微信订单号：'.$payment_no;
    } else {
        echo '微信付款到银行卡操作失败，请检查日记';
    }
}

/*
 * 企业付款到银行卡接口
  * @params string $out_trade_no : 商户订单号
  * @params int $amount : 付款金额，单位分
  * @params string $enc_bank_no : 收款方银行卡号
  * @params string $enc_true_name : 收款方用户名
  * @params string $bank_name : 收款方开户行,根据银行名称获取银行编号bank_code
  * @params string $desc : 付款备注
  * return string $payment_no ：支付成功的订单号
 */

/*
   * 银行编号列表，详情参考：https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=24_4
   * @params string $bank_name : 银行名称，4个汉字
   * return int $bank_code : 银行编码
   * */
 function getBankCode($bank_name)
{
    $bank_code = 0;
    switch ($bank_name){
        case '工商银行':  $bank_code = 1002; break;
        case '农业银行':  $bank_code = 1005; break;
        case '中国银行':  $bank_code = 1026; break;
        case '建设银行':  $bank_code = 1003; break;
        case '招商银行':  $bank_code = 1001; break;
        case '邮储银行':  $bank_code = 1066; break;
        case '交通银行':  $bank_code = 1020; break;
        case '浦发银行':  $bank_code = 1004; break;
        case '民生银行':  $bank_code = 1006; break;
        case '兴业银行':  $bank_code = 1009; break;
        case '平安银行':  $bank_code = 1010; break;
        case '中信银行':  $bank_code = 1021; break;
        case '华夏银行':  $bank_code = 1025; break;
        case '广发银行':  $bank_code = 1027; break;
        case '光大银行':  $bank_code = 1022; break;
        case '北京银行':  $bank_code = 1032; break;
        case '宁波银行':  $bank_code = 1056; break;
    }
    return $bank_code;
}

/**
 * 公钥加密，银行卡号和姓名需要RSA算法加密
 * @param string $data  需要加密的字符串，银行卡/姓名
 * @return null|string  加密后的字符串
 */
 function publicEncrypt($data)
{
    // 进行加密
//    $pubkey = openssl_pkey_get_public(file_get_contents('./cert/newpubkey.pem'));

     $public_key = file_get_contents('./cert/newpubkey.pem');
    $encrypt_data = '';
    $encrypted = '';
    $r = openssl_public_encrypt($data,$encrypt_data,$public_key,OPENSSL_PKCS1_OAEP_PADDING);
    if($r){//加密成功，返回base64编码的字符串
        return base64_encode($encrypted.$encrypt_data);
    }else{
        return false;
    }
//     $public_key = file_get_contents('./cert/newpubkey.pem');
//
//     $rsa = new RSA($public_key,'');
}
 function payForBank($out_trade_no,$amount,$enc_bank_no,$enc_true_name,$bank_name,$desc='企业付款到银行卡')
{
    $data['amount'] = $amount;
    $data['bank_code'] = getBankCode($bank_name);
    $data['desc'] = $desc;
    $data['enc_bank_no'] = publicEncrypt($enc_bank_no);
    $data['enc_true_name'] = publicEncrypt($enc_true_name);
    $data['mch_id'] = '';
    $data['nonce_str'] =md5(time());
    $data['partner_trade_no'] = $out_trade_no;
    $sign = getParam($data);

    $dataXML="<xml>
    <amount>".$data['amount']."</amount>
    <bank_code>".$data['bank_code']."</bank_code>
    <desc>".$data['desc']."</desc>
    <enc_bank_no>".$data['enc_bank_no']."</enc_bank_no>
    <enc_true_name>".$data['enc_true_name']."</enc_true_name>
    <mch_id>".$data['mch_id']."</mch_id>
    <nonce_str>".$data['nonce_str']."</nonce_str>
    <partner_trade_no>".$data['partner_trade_no']."</partner_trade_no>
    <sign>".$sign."</sign>
    </xml>";

    $url = 'https://api.mch.weixin.qq.com/mmpaysptrans/pay_bank';




    $ret =httpsPost($url,$dataXML,true);

//    print_r($ret);die;

    if($ret['return_code'] == 'SUCCESS' && $ret['result_code'] == 'SUCCESS' && $ret['err_code'] == 'SUCCESS'){
        return $ret['payment_no'];
    }else{
        $this->errorLog('微信付款到银行卡失败，appid：'.$this->appid,$ret);
        return false;
    }
}

/*
 * 发起POST网络请求
 * @params string $url : 请求的url链接地址
 * @params string $data : 数据包
 * @params bool $ssl : 是否加载证书
 * return array $result : 返回的数据结果
 */
 function httpsPost($url,$data,$ssl = false)
{
    $ch = curl_init ();
    curl_setopt ( $ch, CURLOPT_URL, $url );
    curl_setopt ( $ch, CURLOPT_CUSTOMREQUEST, "POST" );
    curl_setopt ( $ch, CURLOPT_SSL_VERIFYPEER, FALSE );
    curl_setopt ( $ch, CURLOPT_SSL_VERIFYHOST, FALSE );
    if($ssl) {
        curl_setopt ( $ch,CURLOPT_SSLCERT,'./cert/apiclient_cert.pem');
        curl_setopt ( $ch,CURLOPT_SSLKEY,'./cert/apiclient_key.pem');
    }
    curl_setopt ( $ch, CURLOPT_FOLLOWLOCATION, 1 );
    curl_setopt ( $ch, CURLOPT_AUTOREFERER, 1 );
    curl_setopt ( $ch, CURLOPT_POSTFIELDS, $data );
    curl_setopt ( $ch, CURLOPT_RETURNTRANSFER, true );
    $result = curl_exec($ch);
    if (curl_errno($ch)) {
        return 'Errno: '.curl_error($ch);
    }
    curl_close($ch);
    return xmlToArray($result);
}

 function getParam($paramArray, $isencode=false)
{
    $paramStr = '';
    ksort($paramArray);
    $i = 0;
    foreach ($paramArray as $key => $value)
    {
        if ($key == 'Signature'){
            continue;
        }
        if ($i == 0){
            $paramStr .= '';
        }else{
            $paramStr .= '&';
        }
        $paramStr .= $key . '=' . ($isencode?urlencode($value):$value);
        ++$i;
    }
    $stringSignTemp=$paramStr."&key=".'WuVKPkP7yrmWEopUUMce7unAQKpeQli8';
    $sign=strtoupper(md5($stringSignTemp));
    return $sign;
}
/*
 * 将xml转换成数组
 * @params xml $xml : xml数据
 * return array $data : 返回数组
 */
 function xmlToArray($xml)
{
    //禁止引用外部xml实体
    libxml_disable_entity_loader(true);
    $xmlstring = simplexml_load_string($xml, 'SimpleXMLElement', LIBXML_NOCDATA);
    $val = json_decode(json_encode($xmlstring),true);
    return $val;
}

//payBank();

/*
  * 查询付款到银行卡状态
  * @params string $out_trade_no : 商户订单号
  * return array $ret：查询状态
  * */
 function queryBank($out_trade_no)
{
    $data['mch_id'] = '';
    $data['nonce_str'] = md5(time());
    $data['partner_trade_no'] = $out_trade_no;
    $sign = getParam($data);
    $dataXML="<xml>
    <mch_id>".$data['mch_id']."</mch_id>
    <nonce_str>".$data['nonce_str']."</nonce_str>
    <partner_trade_no>".$data['partner_trade_no']."</partner_trade_no>
    <sign>".$sign."</sign>
    </xml>";
    $url = 'https://api.mch.weixin.qq.com/mmpaysptrans/query_bank';
    $ret = httpsPost($url,$dataXML,true);

    print_r($ret);die;
    if($ret['return_code'] == 'SUCCESS' && $ret['result_code'] == 'SUCCESS' && $ret['err_code'] == 'SUCCESS'){
        return $ret;
    }else{
        $this->errorLog('查询微信付款到银行卡失败，appid：'.$this->appid.'，订单号：'.$out_trade_no,$ret);
        return false;
    }
}

 

请求成功截图

 

 

 

查询结果截图