前阵子做了几个第三方支付接口，写下来跟大家分享下，我用的是yii1框架做的。
1：from表单，提交商户给银行的数据，通过$this->createUrl('Payment/tenpay')?>" 跳转
<form name=tenpayment action="createUrl('Payment/tenpay')?>" method=post target="_blank">
<div style="display: none;"><input size="30" name="WIDseller_email" value="xxxx.com" />
<input size="30" name="order_no" value="" />
<input size="30" name="product_name" value="" />
<input size="30" name="order_price" value="" />
<input size="30" name="trade_mode" value="1"/>
<input size="30" name="remarkexplain" />div>
<li>
<div class="pay_boxin pay_curr">
<span class="left"><img src="request->baseUrl ?>/assets/default/images/tenpay.png" height="30px">span>
<span class="pay_money right">
<p>支付<strong>php echo @sprintf('%0.2f',$OrderInfo['TotalMoney'])?>strong>元p>
span>
div>
<input type="submit" style="width:220px; height:50px; border:0px; margin:30px 0 0 500px; background: url(request->baseUrl ?>/assets/default/images/pay_quite.png) center no-repeat; cursor:pointer;" value="" >
<div class="pay_disno" style="margin:30px 0 0 500px;"><img src="request->baseUrl ?>/assets/default/images/pay_quite.png">div>
li>
form>
2：跳转页面 通过控制器跳转
3：tenpay.php页面 验证商户提交的数据 并进行加密处理
php
//---------------------------------------------------------
//财付通即时到帐支付请求示例，商户按照此文档进行开发即可
//---------------------------------------------------------
require_once ("classes/RequestHandler.class.php");
require_once ("tenpay_config.php");
/* 获取提交的订单号 */
$out_trade_no = $_REQUEST["order_no"];
/* 获取提交的商品名称 */
$product_name = $_REQUEST["product_name"];
/* 获取提交的商品价格 */
$order_price = $_REQUEST["order_price"];
/* 获取提交的备注信息 */
$remarkexplain = $_REQUEST["remarkexplain"];
/* 支付方式 */
$trade_mode=$_REQUEST["trade_mode"];
$strDate = date("Ymd");
$strTime = date("His");
/* 商品价格（包含运费），以分为单位 */
$total_fee = $order_price*100;
/* 商品名称 */
$desc = "商品：".$product_name.",备注:".$remarkexplain;
/* 创建支付请求对象 */
$reqHandler = new RequestHandler();
$reqHandler->init();
$reqHandler->setKey($key);
$reqHandler->setGateUrl("https://gw.tenpay.com/gateway/pay.htm");
//----------------------------------------
//设置支付参数
//----------------------------------------
$reqHandler->setParameter("partner", $partner);
$reqHandler->setParameter("out_trade_no", $out_trade_no);
$reqHandler->setParameter("total_fee", $total_fee); //总金额
$reqHandler->setParameter("return_url", $return_url);
$reqHandler->setParameter("notify_url", $notify_url);
$reqHandler->setParameter("body", $desc);
$reqHandler->setParameter("bank_type", "DEFAULT"); //银行类型，默认为财付通
//用户ip
$reqHandler->setParameter("spbill_create_ip", $_SERVER['REMOTE_ADDR']);//客户端IP
$reqHandler->setParameter("fee_type", "1"); //币种
$reqHandler->setParameter("subject",$desc); //商品名称，（中介交易时必填）
//系统可选参数
$reqHandler->setParameter("sign_type", "MD5"); //签名方式，默认为MD5，可选RSA
$reqHandler->setParameter("service_version", "1.0"); //接口版本号
$reqHandler->setParameter("input_charset", "utf-8"); //字符集
$reqHandler->setParameter("sign_key_index", "1"); //密钥序号
//业务可选参数
$reqHandler->setParameter("attach", ""); //附件数据，原样返回就可以了
$reqHandler->setParameter("product_fee", ""); //商品费用
$reqHandler->setParameter("transport_fee", "0"); //物流费用
$reqHandler->setParameter("time_start", date("YmdHis")); //订单生成时间
$reqHandler->setParameter("time_expire", ""); //订单失效时间
$reqHandler->setParameter("buyer_id", ""); //买方财付通帐号
$reqHandler->setParameter("goods_tag", ""); //商品标记
$reqHandler->setParameter("trade_mode",$trade_mode); //交易模式（1.即时到帐模式，2.中介担保模式，3.后台选择（卖家进入支付中心列表选择））
$reqHandler->setParameter("transport_desc",""); //物流说明
$reqHandler->setParameter("trans_type","1"); //交易类型
$reqHandler->setParameter("agentid",""); //平台ID
$reqHandler->setParameter("agent_type",""); //代理模式（0.无代理，1.表示卡易售模式，2.表示网店模式）
$reqHandler->setParameter("seller_id",""); //卖家的商户号
//请求的URL
$reqUrl = $reqHandler->getRequestURL();
//获取debug信息,建议把请求和debug信息写入日志，方便定位问题
/**/
//$debugInfo = $reqHandler->getDebugInfo();
//echo "
" . $reqUrl . "
";
//var_dump($reqUrl);die;
?>
<html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<title>财付通即时到帐交易接口title>
head>
<body>
<br/>
<form action="getGateUrl() ?>" method="post">
php
$params = $reqHandler->getAllParameters();
foreach($params as $k => $v) {
echo "\n";
}
?>
<input type="submit" id="submitPay" value="财付通支付" style="display:none">
<script type="text/javascript">
document.getElementById("submitPay").click();
script>
form>
body>
html>
4：payNotifyUrl.php 后台回调页面 显示用户支付的结果信息 银行通过秘钥与商户进行签名 确认商户信息
<META http-equiv=Content-Type content="text/html; charset=utf-8"> php //--------------------------------------------------------- //财付通即时到帐支付后台回调示例，商户按照此文档进行开发即可 //--------------------------------------------------------- require ("classes/ResponseHandler.class.php"); require ("classes/RequestHandler.class.php"); require ("classes/client/ClientResponseHandler.class.php"); require ("classes/client/TenpayHttpClient.class.php"); require ("./classes/function.php"); require_once ("./tenpay_config.php"); log_result("进入后台回调页面"); /* 创建支付应答对象 */ $resHandler = new ResponseHandler(); $resHandler->setKey($key); //判断签名 if($resHandler->isTenpaySign()) { //通知id $notify_id = $resHandler->getParameter("notify_id"); //通过通知ID查询，确保通知来至财付通 //创建查询请求 $queryReq = new RequestHandler(); $queryReq->init(); $queryReq->setKey($key); $queryReq->setGateUrl("https://gw.tenpay.com/gateway/simpleverifynotifyid.xml"); $queryReq->setParameter("partner", $partner); $queryReq->setParameter("notify_id", $notify_id); //通信对象 $httpClient = new TenpayHttpClient(); $httpClient->setTimeOut(5); //设置请求内容 $httpClient->setReqContent($queryReq->getRequestURL()); //后台调用 if($httpClient->call()) { //设置结果参数 $queryRes = new ClientResponseHandler(); $queryRes->setContent($httpClient->getResContent()); $queryRes->setKey($key); if($resHandler->getParameter("trade_mode") == "1"){ //判断签名及结果（即时到帐） //只有签名正确,retcode为0，trade_state为0才是支付成功 if($queryRes->isTenpaySign() && $queryRes->getParameter("retcode") == "0" && $resHandler->getParameter("trade_state") == "0") { log_result("即时到帐验签ID成功"); //取结果参数做业务处理 $out_trade_no = $resHandler->getParameter("out_trade_no"); //财付通订单号 $transaction_id = $resHandler->getParameter("transaction_id"); //金额,以分为单位 $total_fee = $resHandler->getParameter("total_fee"); //如果有使用折扣券，discount有值，total_fee+discount=原请求的total_fee $discount = $resHandler->getParameter("discount"); //------------------------------ //处理业务开始 //------------------------------ //处理数据库逻辑 //注意交易单不要重复处理 //注意判断返回金额 //------------------------------ //处理业务完毕 //------------------------------ log_result("即时到帐后台回调成功"); echo "success"; } else { //错误时，返回结果可能没有签名，写日志trade_state、retcode、retmsg看失败详情。 //echo "验证签名失败 或 业务错误信息:trade_state=" . $resHandler->getParameter("trade_state") . ",retcode=" . $queryRes-> getParameter("retcode"). ",retmsg=" . $queryRes->getParameter("retmsg") . "
" ; log_result("即时到帐后台回调失败"); echo "fail"; } }elseif ($resHandler->getParameter("trade_mode") == "2") { //判断签名及结果（中介担保） //只有签名正确,retcode为0，trade_state为0才是支付成功 if($queryRes->isTenpaySign() && $queryRes->getParameter("retcode") == "0" ) { log_result("中介担保验签ID成功"); //取结果参数做业务处理 $out_trade_no = $resHandler->getParameter("out_trade_no"); //财付通订单号 $transaction_id = $resHandler->getParameter("transaction_id"); //------------------------------ //处理业务开始 //------------------------------ //处理数据库逻辑 //注意交易单不要重复处理 //注意判断返回金额 log_result("中介担保后台回调，trade_state=".$resHandler->getParameter("trade_state")); switch ($resHandler->getParameter("trade_state")) { case "0": //付款成功 break; case "1": //交易创建 break; case "2": //收获地址填写完毕 break; case "4": //卖家发货成功 break; case "5": //买家收货确认，交易成功 break; case "6": //交易关闭，未完成超时关闭 break; case "7": //修改交易价格成功 break; case "8": //买家发起退款 break; case "9": //退款成功 break; case "10": //退款关闭 break; default: //nothing to do break; } //------------------------------ //处理业务完毕 //------------------------------ echo "success"; } else { //错误时，返回结果可能没有签名，写日志trade_state、retcode、retmsg看失败详情。 //echo "验证签名失败 或 业务错误信息:trade_state=" . $resHandler->getParameter("trade_state") . ",retcode=" . $queryRes-> getParameter("retcode"). ",retmsg=" . $queryRes->getParameter("retmsg") . "
" ; log_result("中介担保后台回调失败"); echo "fail"; } } //获取查询的debug信息,建议把请求、应答内容、debug信息，通信返回码写入日志，方便定位问题 /* echo "
------------------------------------------------------
"; echo "http res:" . $httpClient->getResponseCode() . "," . $httpClient->getErrInfo() . "
"; echo "query req:" . htmlentities($queryReq->getRequestURL(), ENT_NOQUOTES, "GB2312") . "
"; echo "query res:" . htmlentities($queryRes->getContent(), ENT_NOQUOTES, "GB2312") . "
"; echo "query reqdebug:" . $queryReq->getDebugInfo() . "
" ; echo "query resdebug:" . $queryRes->getDebugInfo() . "
"; */ }else { //通信失败 echo "fail"; //后台调用通信失败,写日志，方便定位问题 echo "
call err:" . $httpClient->getResponseCode() ."," . $httpClient->getErrInfo() . "
"; } } else { echo "
" . "认证签名失败" . "
"; echo $resHandler->getDebugInfo() . "
"; } ?>
5：payReturnUrl.php 前台回调页面 银行回调信息给商户
<META http-equiv=Content-Type content="text/html; charset=utf-8"> php //--------------------------------------------------------- //财付通即时到帐支付页面回调示例，商户按照此文档进行开发即可 //--------------------------------------------------------- require_once ("classes/ResponseHandler.class.php"); require_once ("classes/function.php"); require_once ("tenpay_config.php"); log_result("进入前台回调页面"); /* 创建支付应答对象 */ $resHandler = new ResponseHandler(); $resHandler->setKey($key); //判断签名 if($resHandler->isTenpaySign()) { //通知id $notify_id = $resHandler->getParameter("notify_id"); //商户订单号 $out_trade_no = $resHandler->getParameter("out_trade_no"); //财付通订单号 $transaction_id = $resHandler->getParameter("transaction_id"); //金额,以分为单位 $total_fee = $resHandler->getParameter("total_fee"); //如果有使用折扣券，discount有值，total_fee+discount=原请求的total_fee $discount = $resHandler->getParameter("discount"); //支付结果 $trade_state = $resHandler->getParameter("trade_state"); //交易模式,1即时到账 $trade_mode = $resHandler->getParameter("trade_mode"); if($out_trade_no){ $this->actionSetPayN($out_trade_no,2); $this->redirect(array('/UserCenter')); } if("1" == $trade_mode ) { if( "0" == $trade_state){ echo "
" . "即时到帐支付成功" . "
"; } else { //当做不成功处理 echo "
" . "即时到帐支付失败" . "
"; } }elseif( "2" == $trade_mode ) { if( "0" == $trade_state) { echo "
" . "中介担保支付成功" . "
"; } else { //当做不成功处理 echo "
" . "中介担保支付失败" . "
"; } } } else { echo "
" . "认证签名失败" . "
"; echo $resHandler->getDebugInfo() . "
"; } ?>
6：设置页面 设置商户信息，以及商户秘钥和商户账号
php
$spname="财付通双接口测试";
$partner = ""; //财付通商户号
$key = ""; //财付通密钥
$return_url = "http://www.xxx.com".$this->createUrl('Payment/Returns'); //显示支付结果页面,*替换成payReturnUrl.php所在路径
$notify_url = "http://www.xxx.com".$this->createUrl('Payment/payNotifyUrl'); //支付完成后的回调处理页面,*替换成payNotifyUrl.php所在路径
?>