微信小程序支付：服务商分账（PHP）

最新推荐文章于 2024-08-15 18:12:49 发布

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最新推荐文章于 2024-08-15 18:12:49 发布

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分类专栏：微信小程序支付服务商分账文章标签：小程序 php

本文链接：https://blog.csdn.net/weixin_43673845/article/details/106582845

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签名参数：

	//按照参数名ASCII字典序排序； 就是按照首字母排序，首字母相同排第二个，以此类推；
    $post['appid'] = $appid; //服务商appid
    $post['body'] = $body; //商品描述
    $post['mch_id'] = $mch_id;   //服务商商户号
    $post['nonce_str'] = $nonce_str;//随机字符串
    $post['notify_url'] = $notify_url;  //支付回调地址
    $post['out_trade_no'] = $out_trade_no; //商户订单号
    $post['profit_sharing'] = $profit_sharing;   //统一下单的分账标识， 'Y'代表是
    $post['sign_type'] = 'HMAC-SHA256';  //签名类型必须是 'HMAC-SHA256'，不支持md5
    $post['spbill_create_ip'] = $spbill_create_ip;//终端的ip
    $post['sub_appid'] = $sub_appid;  //子商户（特约商户）的appid
    $post['sub_mch_id'] = $sub_mch_id; //子商户商户号
    $post['sub_openid'] = $sub_openid;  //支付者在子商户的openid
    $post['total_fee'] = $total_fee;//总金额 最低为一分 必须是整数
    $post['trade_type'] = $trade_type;  //交易类型 默认；'JSAPI'
    $sign = $this->sign_hash_hmac($post);//去签名，方法在下面

统一下单接口发送的xml参数：

        $post_xml = '<xml>
           <appid>' . $appid . '</appid>
           <body>' . $body . '</body>
           <mch_id>' . $mch_id . '</mch_id>
           <nonce_str>' . $nonce_str . '</nonce_str>
           <notify_url>' . $notify_url . '</notify_url>
           <out_trade_no>' . $out_trade_no . '</out_trade_no>
           <profit_sharing>' . $profit_sharing . '</profit_sharing>
           <sign_type>' . 'HMAC-SHA256' . '</sign_type>
           <spbill_create_ip>' . $spbill_create_ip . '</spbill_create_ip>
           <sub_appid>' . $sub_appid . '</sub_appid>
           <sub_mch_id>' . $sub_mch_id . '</sub_mch_id>
           <sub_openid>' . $sub_openid . '</sub_openid>
           <total_fee>' . $total_fee . '</total_fee>
           <trade_type>' . $trade_type . '</trade_type>
           <sign>' . $sign . '</sign>
        </xml> ';

签名组装函数：

//HMAC-SHA256签名
private function sign_hash_hmac($data){
    // ksort($data);
    $stringA = '';
    foreach ($data as $key=>$value){
        if(!$value) continue;
        if($stringA) $stringA .= '&'.$key."=".$value;
        else $stringA = $key."=".$value;
    }
    $wx_key = '188fd4aeabc1b1bb812312312312313';  //服务商的密钥
    $stringSignTemp = $stringA.'&key='.$wx_key;
    
    $sig = hash_hmac("sha256", $stringSignTemp, $wx_key);
    return strtoupper($sig);
}

发送普通post方式curl到统一下单接口

	$url = 'https://api.mch.weixin.qq.com/pay/unifiedorder';
	$xml = $this->curl_post($url, $post_xml);
	$array = $this->xml($xml);  //解析XML为数组

    if ($array['return_code'] == 'SUCCESS' && $array['result_code'] == 'SUCCESS') {
        $time = time();
        $tmp = [];//临时数组用于签名
        $tmp['appId'] = $sub_appid;  //子商户appid
        $tmp['nonceStr'] = $nonce_str;   //统一下单接口使用的字符串
        $tmp['package'] = 'prepay_id=' . $array['prepay_id'];
        $tmp['signType'] = 'HMAC-SHA256';
        $tmp['timeStamp'] = "$time";

        $data['timeStamp'] = "$time";//时间戳
        $data['nonceStr'] = $nonce_str;//统一下单接口使用的字符串
        $data['package'] = 'prepay_id=' . $array['prepay_id'];//统一下单接口返回的 prepay_id 参数值，提交格式如：prepay_id=*
        $data['signType'] = 'HMAC-SHA256';//签名算法，
        $data['paySign'] =  $this->sign_hash_hmac($tmp);//二次签名
        
        //返回小程序前端所需调取支付的参数
        dpReturn([
            'status'=>1,
            'pay_msg'=>$data
        ]);
    } else {
        dpReturn([
            'status'=>0,
            'pay_msg'=>$array
        ]);
    }

解析XML：

private function xml($xml){
    //将XML转为array
    $data = json_decode(json_encode(simplexml_load_string($xml, 'SimpleXMLElement', LIBXML_NOCDATA)), true);
    return $data;
}

在回调notify()中调起分账：

//分账
private function wxfenzhang($transaction_id,$out_order_no)
{
	//$transaction_id和$out_order_no在统一支付回调参数中有
    $appid = 'wx123456'; //服务商appid
    $mch_id = 14260123456; //服务商商户号
    $nonce_str = $this->random_key(32);//随机字符串
    $sub_appid = config('hahaha.AppID');//子商户appid
    $sub_mch_id = config('hahaha.mch_id');  //子商户号
    $receivers = '[
        {
            "type": "PERSONAL_SUB_OPENID",   //类型为子商户openid
            "account":"oWJAa40MmpVUBl8U-s88oXGQYMl4",  //子商户openid
            "amount":1,  //金额，整数
            "description": "分给个人"
        }
    ]';

    $post['appid'] = $appid; //服务商appid
    $post['mch_id'] = $mch_id;   //服务商商户号
    $post['nonce_str'] = $nonce_str;//随机字符串
    $post['out_order_no'] = $out_order_no;
    $post['receivers'] = $receivers;
    $post['sign_type'] = 'HMAC-SHA256';
    $post['sub_appid'] = $sub_appid;
    $post['sub_mch_id'] = $sub_mch_id;
    $post['transaction_id'] = $transaction_id;
    $sign = $this->sign_hash_hmac($post);//签名

    $post_xml = '<xml>
           <appid>' . $appid . '</appid>
           <mch_id>' . $mch_id . '</mch_id>
           <nonce_str>' . $nonce_str . '</nonce_str>
           <out_order_no>' . $out_order_no . '</out_order_no>
           <receivers>' . $receivers . '</receivers>
           <sign_type>' . 'HMAC-SHA256' . '</sign_type>
           <sub_appid>' . $sub_appid . '</sub_appid>
           <sub_mch_id>' . $sub_mch_id . '</sub_mch_id>
           <transaction_id>' . $transaction_id . '</transaction_id>
           <sign>' . $sign . '</sign>
        </xml> ';
   
    //分账接口
    $url = 'https://api.mch.weixin.qq.com/secapi/pay/profitsharing';
    $xml = $this->curl_fenzhang($url, $post_xml);
    $array = $this->xml($xml);
    //返回结果写入文件
    $fp = fopen('./fenzhang.txt','a+');   //public/fenzhang.txt
    fwrite($fp,var_export($array,true));   
    fclose($fp);
}

记得添加分账接收方
分账的curl，需要验证支付api安全证书，服务商模式要用服务商的api证书
：：api证书只有首次生成时候保存本地

private function curl_fenzhang($url,$data)
{
    $sslCertPath = __DIR__.'/test_cert.pem';  //cert证书地址
    $sslKeyPath = __DIR__.'/test_key.pem'; //key证书地址
    $ch = curl_init($url);
    curl_setopt($ch, CURLOPT_HEADER, 0);
    curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
    
	curl_setopt($ch,CURLOPT_SSL_VERIFYPEER,TRUE);
    curl_setopt($ch,CURLOPT_SSL_VERIFYHOST,2);//严格校验
    
    curl_setopt($ch,CURLOPT_SSLCERTTYPE,'PEM');
    curl_setopt($ch,CURLOPT_SSLCERT, $sslCertPath);  //cert证书地址
    curl_setopt($ch,CURLOPT_SSLKEYTYPE,'PEM');
    curl_setopt($ch,CURLOPT_SSLKEY, $sslKeyPath);  //key证书地址

    curl_setopt($ch, CURLOPT_POST, 1);
    curl_setopt($ch, CURLOPT_POSTFIELDS, $data);

    $result = curl_exec($ch);
    return $result;
}