PHP开发微信商家转账到零钱接口

仔细阅读了微信接口文档并且参考网上的案例，完成了商家转账到零钱的接口开发，目前已在使用中

下面是完整代码：

/**
     * @notes 商家转账到零钱
     */
    public static function transfer($withdrawApply,$userAuth,$config)
    {
        //请求URL
        $url = 'https://api.mch.weixin.qq.com/v3/transfer/batches';
        //请求方式
        $http_method = 'POST';
        //请求参数
        $data = [
            'appid' => $config['app_id'],//申请商户号的appid或商户号绑定的appid（企业号corpid即为此appid）
            'out_batch_no' => $withdrawApply['batch_no'],//商户系统内部的商家批次单号，要求此参数只能由数字、大小写字母组成，在商户系统内部唯一
            'batch_name' => '提现至微信零钱',//该笔批量转账的名称
            'batch_remark' => '提现至微信零钱',//转账说明，UTF8编码，最多允许32个字符
            'total_amount' => $withdrawApply['left_money'] * 100,//转账金额单位为“分”。转账总金额必须与批次内所有明细转账金额之和保持一致，否则无法发起转账操作
            'total_num' => 1,//一个转账批次单最多发起三千笔转账。转账总笔数必须与批次内所有明细之和保持一致，否则无法发起转账操作
            'transfer_detail_list' => [
                [//发起批量转账的明细列表，最多三千笔
                    'out_detail_no' => $withdrawApply['sn'],//商户系统内部区分转账批次单下不同转账明细单的唯一标识，要求此参数只能由数字、大小写字母组成
                    'transfer_amount' => $withdrawApply['left_money'] * 100,//转账金额单位为分
                    'transfer_remark' => '提现至微信零钱',//单条转账备注（微信用户会收到该备注），UTF8编码，最多允许32个字符
                    'openid' => $userAuth['openid'],//openid是微信用户在公众号appid下的唯一用户标识（appid不同，则获取到的openid就不同），可用于永久标记一个用户
                ]]
        ];
        if ($withdrawApply['left_money'] >= 2000) {
            if (empty($withdrawApply['real_name'])) {
                throw new \Exception('转账金额 >= 2000元，收款用户真实姓名必填');
            }
            $data['transfer_detail_list'][0]['user_name'] = self::getEncrypt($withdrawApply['real_name'],$config);
        }

        $token  = self::token($url,$http_method,$data,$config);//获取token
        $result = self::https_request($url,json_encode($data),$token);//发送请求
        $result_arr = json_decode($result,true);

        if(!isset($result_arr['create_time'])) {//批次受理失败
            throw new \Exception($result_arr['message']);
        }

        //批次受理成功，进行操作


        return true;
    }

    /**
     * @notes 获取签名
     */
    public static function token($url,$http_method,$data,$config)
    {
        $timestamp   = time();//请求时间戳
        $url_parts   = parse_url($url);//获取请求的绝对URL
        $nonce       = $timestamp.rand('10000','99999');//请求随机串
        $body        = empty($data) ? '' : json_encode((object)$data);//请求报文主体
        $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)));
        $serial_no          = $apiclient_cert_arr['serialNumberHex'];//证书序列号
        $mch_private_key    = file_get_contents($config['key_path'],false, stream_context_create($stream_opts));//密钥
        $merchant_id = $config['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
        $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);//微信返回token
        return $schema.' '.$token;
    }

    /**
     * @notes 发送请求
     */
    public 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);
        //添加请求头
        $headers = [
            'Authorization:'.$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;
    }

    /**
     * @notes 敏感信息加解密
     */
    public static function getEncrypt($str,$config)
    {
        //$str是待加密字符串
        $public_key = file_get_contents($config['cert_path']);
        $encrypted = '';
        if (openssl_public_encrypt($str, $encrypted, $public_key, OPENSSL_PKCS1_OAEP_PADDING)) {
            //base64编码
            $sign = base64_encode($encrypted);
        } else {
            throw new \Exception('encrypt failed');
        }
        return $sign;
    }

    /**
     * @notes 商家明细单号查询
     */
    public static function detailsQuery($withdrawApply,$config)
    {
        //请求URL
        $url = 'https://api.mch.weixin.qq.com/v3/transfer/batches/out-batch-no/'.$withdrawApply['batch_no'].'/details/out-detail-no/'.$withdrawApply['sn'];
        //请求方式
        $http_method = 'GET';
        //请求参数
        $data = [];
        $token  = self::token($url,$http_method,$data,$config);//获取token
        $result = self::https_request($url,$data,$token);//发送请求
        $result_arr = json_decode($result,true);
        return $result_arr;
    }

注意事项：

1.明细转账金额 >= 2,000元，收款用户姓名必填；

2.同一批次转账明细中，收款用户姓名字段需全部填写、或全部不填写；

3.转账受理成功后，需要调用《商家明细单号查询》接口来判断转账状态；

最后补上微信开发文档：商家转账到零钱-文档中心-微信支付商户平台

经过评论区老哥的提醒，参数里带有收款用户姓名，得在HTTP头部增加Wechatpay-Serial，Wechatpay-Serial后面带上平台证书序列号。

附上证书相关接口文档：证书相关 - WechatPay-API-v3