微信企业付款到个人用户提现功能实现

1.基本配置

//公众账号appid  
$data["mch_appid"] = 'appid'; 
//商户号   
$data["mchid"] = ''; 
//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~',
  ]);
 }
 }

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;
 }

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;
 }
 } 

生成签名

 
	/**
 * array 转 xml
 * 用于生成签名
*/ public function array_to_xml($arr){
 $xml = "";
 foreach ($arr as $key => $val) {
 if (is_numeric($val)) {
 $xml .= "<" .$key.">".$val.".$key.">";
 } else  $xml .= "<".$key.">.$val."]]>.$key.">";
 }
 $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;
 }