微信商户提现到银行卡 亲测有效

改成方法的了 大家拿到框架里面 进行封装就行了转载请注明出处哈 

https://blog.csdn.net/qq_25861247/article/details/88283971

亲测有效大家试试

/** 获取公钥,格式为PKCS#1 转PKCS#8* openssl rsa -RSAPublicKey_in -in pubkey.pem -pubout > newpubkey.pem* */function get_pub_key()
{$data['mch_id'] = '';$data['nonce_str'] = md5(time());$sign =getParam($data);$dataXML="".$data['mch_id']."".$data['nonce_str']."".$sign."";$url = 'https://fraud.mch.weixin.qq.com/risk/getpublickey';$ret = httpsPost($url,$dataXML,true);print_r($ret);die;if($ret['return_code'] == 'SUCCESS' && isset($ret['pub_key'])){file_put_contents('./cert/pubkey.pem',$ret['pub_key']);return $ret['pub_key'];}else{return null;}}//企业付款到银行卡function payBank()
{$out_trade_no = date('Ymdhis', time()).substr(floor(microtime()*1000),0,1).rand(0,9);$money = 100;$enc_bank_no = '';$enc_true_name = '';$bank_name = '';$desc = '企业付款到银行卡测试';
//    $wxapi = new Wechat($appid,$appsecret,$mchid,$key,$sslcert,$sslkey);$payment_no = payForBank($out_trade_no,$money,$enc_bank_no,$enc_true_name,$bank_name,$desc);if($payment_no){echo '微信付款到银行卡操作成功，微信订单号：'.$payment_no;} else {echo '微信付款到银行卡操作失败，请检查日记';}
}/** 企业付款到银行卡接口* @params string $out_trade_no : 商户订单号* @params int $amount : 付款金额，单位分* @params string $enc_bank_no : 收款方银行卡号* @params string $enc_true_name : 收款方用户名* @params string $bank_name : 收款方开户行,根据银行名称获取银行编号bank_code* @params string $desc : 付款备注* return string $payment_no ：支付成功的订单号*//** 银行编号列表，详情参考：https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=24_4* @params string $bank_name : 银行名称，4个汉字* return int $bank_code : 银行编码* */function getBankCode($bank_name)
{$bank_code = 0;switch ($bank_name){case '工商银行':  $bank_code = 1002; break;case '农业银行':  $bank_code = 1005; break;case '中国银行':  $bank_code = 1026; break;case '建设银行':  $bank_code = 1003; break;case '招商银行':  $bank_code = 1001; break;case '邮储银行':  $bank_code = 1066; break;case '交通银行':  $bank_code = 1020; break;case '浦发银行':  $bank_code = 1004; break;case '民生银行':  $bank_code = 1006; break;case '兴业银行':  $bank_code = 1009; break;case '平安银行':  $bank_code = 1010; break;case '中信银行':  $bank_code = 1021; break;case '华夏银行':  $bank_code = 1025; break;case '广发银行':  $bank_code = 1027; break;case '光大银行':  $bank_code = 1022; break;case '北京银行':  $bank_code = 1032; break;case '宁波银行':  $bank_code = 1056; break;}return $bank_code;
}/*** 公钥加密，银行卡号和姓名需要RSA算法加密* @param string $data  需要加密的字符串，银行卡/姓名* @return null|string  加密后的字符串*/function publicEncrypt($data)
{// 进行加密
//    $pubkey = openssl_pkey_get_public(file_get_contents('./cert/newpubkey.pem'));$public_key = file_get_contents('./cert/newpubkey.pem');$encrypt_data = '';$encrypted = '';$r = openssl_public_encrypt($data,$encrypt_data,$public_key,OPENSSL_PKCS1_OAEP_PADDING);if($r){//加密成功，返回base64编码的字符串return base64_encode($encrypted.$encrypt_data);}else{return false;}
//     $public_key = file_get_contents('./cert/newpubkey.pem');
//
//     $rsa = new RSA($public_key,'');
}function payForBank($out_trade_no,$amount,$enc_bank_no,$enc_true_name,$bank_name,$desc='企业付款到银行卡')
{$data['amount'] = $amount;$data['bank_code'] = getBankCode($bank_name);$data['desc'] = $desc;$data['enc_bank_no'] = publicEncrypt($enc_bank_no);$data['enc_true_name'] = publicEncrypt($enc_true_name);$data['mch_id'] = '';$data['nonce_str'] =md5(time());$data['partner_trade_no'] = $out_trade_no;$sign = getParam($data);$dataXML="".$data['amount']."".$data['bank_code']."".$data['desc']."".$data['enc_bank_no']."".$data['enc_true_name']."".$data['mch_id']."".$data['nonce_str']."".$data['partner_trade_no']."".$sign."";$url = 'https://api.mch.weixin.qq.com/mmpaysptrans/pay_bank';$ret =httpsPost($url,$dataXML,true);//    print_r($ret);die;if($ret['return_code'] == 'SUCCESS' && $ret['result_code'] == 'SUCCESS' && $ret['err_code'] == 'SUCCESS'){return $ret['payment_no'];}else{$this->errorLog('微信付款到银行卡失败，appid：'.$this->appid,$ret);return false;}
}/** 发起POST网络请求* @params string $url : 请求的url链接地址* @params string $data : 数据包* @params bool $ssl : 是否加载证书* return array $result : 返回的数据结果*/function httpsPost($url,$data,$ssl = false)
{$ch = curl_init ();curl_setopt ( $ch, CURLOPT_URL, $url );curl_setopt ( $ch, CURLOPT_CUSTOMREQUEST, "POST" );curl_setopt ( $ch, CURLOPT_SSL_VERIFYPEER, FALSE );curl_setopt ( $ch, CURLOPT_SSL_VERIFYHOST, FALSE );if($ssl) {curl_setopt ( $ch,CURLOPT_SSLCERT,'./cert/apiclient_cert.pem');curl_setopt ( $ch,CURLOPT_SSLKEY,'./cert/apiclient_key.pem');}curl_setopt ( $ch, CURLOPT_FOLLOWLOCATION, 1 );curl_setopt ( $ch, CURLOPT_AUTOREFERER, 1 );curl_setopt ( $ch, CURLOPT_POSTFIELDS, $data );curl_setopt ( $ch, CURLOPT_RETURNTRANSFER, true );$result = curl_exec($ch);if (curl_errno($ch)) {return 'Errno: '.curl_error($ch);}curl_close($ch);return xmlToArray($result);
}function getParam($paramArray, $isencode=false)
{$paramStr = '';ksort($paramArray);$i = 0;foreach ($paramArray as $key => $value){if ($key == 'Signature'){continue;}if ($i == 0){$paramStr .= '';}else{$paramStr .= '&';}$paramStr .= $key . '=' . ($isencode?urlencode($value):$value);++$i;}$stringSignTemp=$paramStr."&key=".'WuVKPkP7yrmWEopUUMce7unAQKpeQli8';$sign=strtoupper(md5($stringSignTemp));return $sign;
}
/** 将xml转换成数组* @params xml $xml : xml数据* return array $data : 返回数组*/function xmlToArray($xml)
{//禁止引用外部xml实体libxml_disable_entity_loader(true);$xmlstring = simplexml_load_string($xml, 'SimpleXMLElement', LIBXML_NOCDATA);$val = json_decode(json_encode($xmlstring),true);return $val;
}//payBank();/** 查询付款到银行卡状态* @params string $out_trade_no : 商户订单号* return array $ret：查询状态* */function queryBank($out_trade_no)
{$data['mch_id'] = '';$data['nonce_str'] = md5(time());$data['partner_trade_no'] = $out_trade_no;$sign = getParam($data);$dataXML="".$data['mch_id']."".$data['nonce_str']."".$data['partner_trade_no']."".$sign."";$url = 'https://api.mch.weixin.qq.com/mmpaysptrans/query_bank';$ret = httpsPost($url,$dataXML,true);print_r($ret);die;if($ret['return_code'] == 'SUCCESS' && $ret['result_code'] == 'SUCCESS' && $ret['err_code'] == 'SUCCESS'){return $ret;}else{$this->errorLog('查询微信付款到银行卡失败，appid：'.$this->appid.'，订单号：'.$out_trade_no,$ret);return false;}
}

请求成功截图

查询结果截图

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