PHP实现微信小程序提现到零钱

 //提现
    public function wx_withdrawal()
    {
        header('content-type:text/html;charset=utf-8');
        $mch_appid = "xxxxx";   #appid
        $key = "xxxxx";     #商户key
        $mchid = "xxxx";    #商户号
        $desc = '提现';
        $openid = 'xxxxxx';
        $check_name = 'NO_CHECK';     #此参数为不验证真实姓名，如果需要验证真实姓名，请参考微信文档，注意参数排序，否则将报错->签名错误
        #$re_user_name='';        #微信真实姓名

        $nonce_str = strtoupper(md5(time()));
        $partner_trade_no = time() . rand(100, 999);   #订单号
        $amount = 0.3 * 100;     #总金额   最小0.3，最大5000，以分为单位，金额*100
        $spbill_create_ip = $_SERVER['REMOTE_ADDR'];
        $www_url = $_SERVER['HTTP_HOST'];
        $stringA = "amount={$amount}&check_name={$check_name}&desc={$desc}&mch_appid={$mch_appid}&mchid={$mchid}&nonce_str={$nonce_str}&openid={$openid}&partner_trade_no={$partner_trade_no}&spbill_create_ip={$spbill_create_ip}";
        $stringSignTemp = $stringA . "&key=" . $key;
        $sign = strtoupper(md5($stringSignTemp));
        $postData =
            "<xml>
    <amount>{$amount}</amount>
    <check_name>{$check_name}</check_name>
    <desc>{$desc}</desc>
    <mch_appid>{$mch_appid}</mch_appid>
    <mchid>{$mchid}</mchid>
    <nonce_str>{$nonce_str}</nonce_str>
    <openid>{$openid}</openid>
    <partner_trade_no>{$partner_trade_no}</partner_trade_no>
    <spbill_create_ip>{$spbill_create_ip}</spbill_create_ip>
    <sign>{$sign}</sign>
    </xml>";
        $url = 'https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers';
        print_r($this->postCertXmlCurl($url, $postData));   #在这里post请求是要带证书，方法如下
        die();
        if ($dataxml['return_code'] == 'SUCCESS' && $dataxml['result_code'] == 'SUCCESS') {
            #执行提现到账后的逻辑
            echo '成功';
        } else {
            $this->error($dataxml['err_code_des']);
        }
    }

    function postCertXmlCurl($url, $xml)
    {

        $ch = curl_init();
        curl_setopt($ch, CURLOPT_URL, $url);
        curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, FALSE);//严格校验
        //设置header
        curl_setopt($ch, CURLOPT_HEADER, FALSE);
        //要求结果为字符串且输出到屏幕上
        curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);

        curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, 1);//证书检查
        curl_setopt($ch, CURLOPT_SSLCERTTYPE, 'pem');
        curl_setopt($ch, CURLOPT_SSLCERT, $_SERVER['DOCUMENT_ROOT'] . '/cert/apiclient_cert.pem');
        curl_setopt($ch, CURLOPT_SSLCERTTYPE, 'pem');
        curl_setopt($ch, CURLOPT_SSLKEY, $_SERVER['DOCUMENT_ROOT'] . '/cert/apiclient_key.pem');
        //    curl_setopt($ch,CURLOPT_SSLCERTTYPE,'pem');
        //    curl_setopt($ch,CURLOPT_CAINFO,dirname(__FILE__).'/cert/rootca.pem');

        //post提交方式
        curl_setopt($ch, CURLOPT_POST, TRUE);
        curl_setopt($ch, CURLOPT_POSTFIELDS, $xml);
        //运行curl
        $data = curl_exec($ch);
        $objectxml = (array)simplexml_load_string($data, 'SimpleXMLElement', LIBXML_NOCDATA);
        //         $data = $this->xml_to_json($data);
        return $objectxml;
        //         dump($objectxml);die;
    }

特别注意一点   小程序需要开通提现相关接口  否则会提现失败  
如果你的小程序用的是个人营业执照注册的  将不能申请提现业务
下面是接口错误：

Array

(

    [return_code] => SUCCESS

    [return_msg] => NO_AUTH

    [mch_appid] => xxxxxxxx

    [mchid] => xxxxxxxxx

    [result_code] => FAIL

    [err_code] => NO_AUTH

    [err_code_des] => 产品权限验证失败,请查看您当前是否具有该产品的权限

)