微信企业付款到个人用户提现功能实现

版权声明：也可以说是一种借鉴，或者说是一种复制，无私分享，望君能心想事成。 https://blog.csdn.net/APULSABLE/article/details/89260577

###1.基本配置

//公众账号appid
$data["mch_appid"] = 'appid';
//商户号
$data["mchid"] = '';
//创建随机字符串
$data["nonce_str"] = 'suiji'.mt_rand(100,999);
//商户订单号
$data["partner_trade_no"]=date('YmdHis').mt_rand(1000,9999);
//金额 用户输入的提现金额需要乘以100
$data["amount"] = $money;
//企业付款描述
$data["desc"] = '企业付款到个人零钱';
//用户openid
$data["openid"] = $openid;
//不检验用户姓名
$data["check_name"] = 'NO_CHECK';
//获取IP
$data['spbill_create_ip']=$_SERVER['SERVER_ADDR'];
//商户密钥
$data['key']='';
//商户证书 商户平台的API安全证书下载
$data['apiclient_cert.pem']
$data['apiclient_key.pem']

2.PHP代码

/*
*开始支付
*/
public function userpay(){
$money = ‘用户输入提现金额';
$info['money'] = ‘用户余额';
if ($this->openid && $money){
if ($money>$info['money'] ){
echo json_encode([
'status' => 1,
'message' => '余额不足，不能提现！',
'code'=>'余额不足，不能提现！'   ]);
}elseif ($money<1){
echo json_encode([
'status' => 2,
'message' => '提现金额不能小于1元',
'code'=>'提现金额太低'   ]);
}else{
$openid = $this->openid;
$trade_no = date('YmdHis').mt_rand(1000,9999);
$res = $this->pay($openid,$trade_no,$money*100,'微信提现');
//结果打印
if($res['result_code']=="SUCCESS"){
echo json_encode([
'status' => 3,
'message' => '提现成功！',
]);
}elseif ($res['err_code']=="SENDNUM_LIMIT"){
echo json_encode([
'status' => 4,
'message' => '提现失败！',
'code'=>'每日仅能提现一次',
]);
}else{
echo json_encode([
'status' => 5,
'message' => '提现失败！',
'code'=>$res['err_code'],
]);
}
}
}else{
echo json_encode([
'status' => 5,
'message' => '未检测到您当前微信账号~',
]);
}
}

3.支付方法

/*
*支付方法
*/
public function pay($openid,$trade_no,$money,$desc){
$params["mch_appid"]='';
$params["mchid"] = '';
$params["nonce_str"]= 'suiji'.mt_rand(100,999);
$params["partner_trade_no"] = $trade_no;
$params["amount"]= $money;
$params["desc"]= $desc;
$params["openid"]= $openid;
$params["check_name"]= 'NO_CHECK';
$params['spbill_create_ip'] = $_SERVER['SERVER_ADDR'];
//生成签名
$str = 'amount='.$params["amount"].'&check_name='.$params["check_name"].'&desc='.$params["desc"].'&mch_appid='.$params["mch_appid"].'&mchid='.$params["mchid"].'&nonce_str='.$params["nonce_str"].'&openid='.$params["openid"].'&partner_trade_no='.$params["partner_trade_no"].'&spbill_create_ip='.$params['spbill_create_ip'].'&key=商户密钥';
//md5加密 转换成大写
$sign = strtoupper(md5($str));
//生成签名
$params['sign'] = $sign;
//构造XML数据
$xmldata = $this->array_to_xml($params); //数组转XML
$url='https://api.mch.weixin.qq.com/mmpaymkttransfers/prom otion/transfers';
//发送post请求
$res = $this->curl_post_ssl($url, $xmldata); //curl请求
if(!$res){
return array('status'=>1,
'msg'=>"服务器连接失败" );
}
//付款结果分析
$content = $this->xml_to_array($res); //xml转数组
return $content;
}

4.curl请求

/*
*curl请求
*/
public function curl_post_ssl($url, $xmldata,  $second=30,$aHeader=array()){
$ch = curl_init();
//超时时间
curl_setopt($ch,CURLOPT_TIMEOUT,$second);
curl_setopt($ch,CURLOPT_RETURNTRANSFER, 1);
//这里设置代理，如果有的话
//curl_setopt($ch,CURLOPT_PROXY, '10.206.30.98');
//curl_setopt($ch,CURLOPT_PROXYPORT, 8080);
curl_setopt($ch,CURLOPT_URL,$url);
curl_setopt($ch,CURLOPT_SSL_VERIFYPEER,false);
curl_setopt($ch,CURLOPT_SSL_VERIFYHOST,false);
//默认格式为PEM，可以注释
curl_setopt($ch,CURLOPT_SSLCERTTYPE,'PEM');
//绝对地址可使用 dirname(__DIR__)打印，如果不是绝对地址会报 58 错误
curl_setopt($ch,CURLOPT_SSLCERT,' 绝对地址/apiclient_cert.pem');
curl_setopt($ch,CURLOPT_SSLKEYTYPE,'PEM');
curl_setopt($ch,CURLOPT_SSLKEY,'绝对地址/apiclient_key.pem');
if( count($aHeader) >= 1 ){
curl_setopt($ch, CURLOPT_HTTPHEADER, $aHeader);
}
curl_setopt($ch,CURLOPT_POST, 1);
curl_setopt($ch,CURLOPT_POSTFIELDS,$xmldata);
$data = curl_exec($ch);
if($data){
curl_close($ch);
return $data;
}
else {
$error = curl_errno($ch);
echo "call faild, errorCode:$error\n";
die();
curl_close($ch);
return false;
}
}

5.生成签名

/*
*生成签名
*/
public function array_to_xml($arr){
$xml = "<xml>";
foreach ($arr as $key => $val) {
if (is_numeric($val)) {
$xml .= "<" .$key.">".$val."</".$key.">";
} else  $xml .= "<".$key."><![CDATA[".$val."]]></".$key.">";
}
$xml .= "</xml>";
return $xml;
}

xml 转化为array

public function xml_to_array($xml){
//禁止引用外部xml实体  libxml_disable_entity_loader(true);
$values = json_decode(json_encode(simplexml_load_string($xml, 'SimpleXMLElement', LIBXML_NOCDATA)), true);
return $values;
}