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https://pay.weixin.qq.com/index.php/public/product/detail?pid=5&productType=0
怎么开通企业付款到零钱？
有的商户号的产品中心是没有这个功能的，不过，该功能的pid（product id）是5，只要随便进去某一个产品，在地址栏把pid改为5。
即可进入该功能页面，进行开通，不过要满足条件。
用户提现代码：
//用户微信提现
private function withdrawals_weixin($id){
$falg = M('withdrawals')->where(['id'=>$id])->find();
$openid = M('users')->where('user_id', $falg['user_id'])->value('openid');
$data['openid'] = $openid;
$data['pay_code'] = $falg['id'].$falg['user_id'];
$data['desc'] = '提现ID'.$falg['id'];
if($falg['taxfee'] >= $falg['money']){
return array('status'=>1, 'msg'=>"提现额度必须大于手续费！" );
}else{
$data['money'] = bcsub($falg['money'], $falg['taxfee'], 2);
}
include_once PLUGIN_PATH . "payment/weixin/weixin.class.php";
$weixin_obj = new \weixin();
$result = $weixin_obj->transfer($data);
return $result;
}其中pay_code在商户号的提现功能是唯一的，所以为了防重放攻击，这个值千万不能用随机数，最好用ID，具有提现记录唯一。
提现逻辑代码：
// 微信提现转账
function transfer($data){
header("Content-type: text/html; charset=utf-8");
//CA证书及支付信息
$wxchat['appid'] = WxPayConfig::$appid;
$wxchat['mchid'] = WxPayConfig::$mchid;
$wxchat['api_cert'] = PLUGIN_PATH.'/payment/weixin/cert/apiclient_cert.pem';
$wxchat['api_key'] = PLUGIN_PATH.'/payment/weixin/cert/apiclient_key.pem';
// $wxchat['api_ca'] = '/plugins/payment/weixin/cert/rootca.pem';
$webdata = array(
'mch_appid' => $wxchat['appid'],
'mchid' => $wxchat['mchid'],
'nonce_str' => md5(time()),
//'device_info' => '1000',
'partner_trade_no'=> $data['pay_code'], //商户订单号，需要唯一
'openid' => $data['openid'],//转账用户的openid
'check_name'=> 'NO_CHECK', //OPTION_CHECK不强制校验真实姓名, FORCE_CHECK：强制 NO_CHECK：
//'re_user_name' => 'jorsh', //收款人用户姓名
'amount' => $data['money'] * 100, //付款金额单位为分
'desc' => $data['desc'],
'spbill_create_ip' => request()->ip(),
);
foreach ($webdata as $k => $v) {
$tarr[] =$k.'='.$v;
}
sort($tarr);
$sign = implode($tarr, '&');
$sign .= '&key='.WxPayConfig::$key;
$webdata['sign']=strtoupper(md5($sign));
$wget = $this->array2xml($webdata);
$pay_url = 'https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers';
$res = $this->http_post($pay_url, $wget, $wxchat);
if(!$res){
return array('status'=>1, 'msg'=>"Can't connect the server" );
}
$content = simplexml_load_string($res, 'SimpleXMLElement', LIBXML_NOCDATA);
if(strval($content->return_code) == 'FAIL'){
return array('status'=>1, 'msg'=>strval($content->return_msg));
}
if(strval($content->result_code) == 'FAIL'){
return array('status'=>1, 'msg'=>strval($content->err_code),':'.strval($content->err_code_des));
}
$rdata = array(
'mch_appid' => strval($content->mch_appid),
'mchid' => strval($content->mchid),
'device_info' => strval($content->device_info),
'nonce_str' => strval($content->nonce_str),
'result_code' => strval($content->result_code),
'partner_trade_no' => strval($content->partner_trade_no),
'payment_no' => strval($content->payment_no),
'payment_time' => strval($content->payment_time),
);
return $rdata;
}
其中 PLUGIN_PATH 是一个常量
define('PLUGIN_PATH', __DIR__ . '/plugins/');定义插件目录
/**
* 将一个数组转换为 XML 结构的字符串
* @param array $arr 要转换的数组
* @param int $level 节点层级, 1 为 Root.
* @return string XML 结构的字符串
*/
function array2xml($arr, $level = 1) {
$s = $level == 1 ? "<xml>" : '';
foreach($arr as $tagname => $value) {
if (is_numeric($tagname)) {
$tagname = $value['TagName'];
unset($value['TagName']);
}
if(!is_array($value)) {
$s .= "<{$tagname}>".(!is_numeric($value) ? '<![CDATA[' : '').$value.(!is_numeric($value) ? ']]>' : '')."</{$tagname}>";
} else {
$s .= "<{$tagname}>" . $this->array2xml($value, $level + 1)."</{$tagname}>";
}
}
$s = preg_replace("/([\x01-\x08\x0b-\x0c\x0e-\x1f])+/", ' ', $s);
return $level == 1 ? $s."</xml>" : $s;
}
function http_post($url, $param, $wxchat) {
$oCurl = curl_init();
if (stripos($url, "https://") !== FALSE) {
curl_setopt($oCurl, CURLOPT_SSL_VERIFYPEER, FALSE);
curl_setopt($oCurl, CURLOPT_SSL_VERIFYHOST, FALSE);
}
if (is_string($param)) {
$strPOST = $param;
} else {
$aPOST = array();
foreach ($param as $key => $val) {
$aPOST[] = $key . "=" . urlencode($val);
}
$strPOST = join("&", $aPOST);
}
curl_setopt($oCurl, CURLOPT_URL, $url);
curl_setopt($oCurl, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($oCurl, CURLOPT_POST, true);
curl_setopt($oCurl, CURLOPT_POSTFIELDS, $strPOST);
if($wxchat){
curl_setopt($oCurl,CURLOPT_SSLCERT,$wxchat['api_cert']);
curl_setopt($oCurl,CURLOPT_SSLKEY,$wxchat['api_key']);
curl_setopt($oCurl,CURLOPT_CAINFO,$wxchat['api_ca']);
}
$sContent = curl_exec($oCurl);
$aStatus = curl_getinfo($oCurl);
curl_close($oCurl);
if (intval($aStatus["http_code"]) == 200) {
return $sContent;
} else {
return false;
}
}