alipay.fund.trans.tobank.transfer(单笔转账到银行账户接口)
一、下载支付宝SDK，现有版本v1、v2、v3
https://github.com/alipay/alipay-sdk-php-all
github 慢的话，DNS 直达即可 140.82.112.3 github.com
【host文件路径c:\windows\system32\drivers\etc】
二、引用代码编写
php
<?php
//支付宝转账到银行卡配置
function alipay_init_bank() {
//调用支付宝身份证认证接口
require_once WY_ROOT . '/includes/aop/AopCertClient.php'; //支付宝加载
require_once WY_ROOT . '/includes/aop/AopClient.php'; //支付宝加载
require_once WY_ROOT . '/includes/aop/AopCertification.php'; //支付宝加载
require_once WY_ROOT . '/includes/libs/Config.php'; //配置加载
require_once dirname(WY_ROOT) . '/ApiV1' . '/function_apiv1.php'; //引用 加载
$aop = new AopCertClient ();
$config = Config::getInstance();
$appCertPath = ''; //应用证书路径（要确保证书文件可读），
$alipayCertPath = ''; //支付宝公钥证书路径（要确保证书文件可读），
$rootCertPath = ''; //支付宝根证书路径（要确保证书文件可读），
// $alipay_config = ''; //支付宝配置文件
$alipay_config = $config->alipay_bank_config;
$appCertPath = WY_ROOT . '/includes/aop/cert3/appCertPublicKey_2021002131640271.crt'; //"例如：/home/admin/cert/appCertPublicKey.crt";
$alipayCertPath = WY_ROOT . '/includes/aop/cert3/alipayCertPublicKey_RSA2.crt'; //"例如：/home/admin/cert/alipayCertPublicKey_RSA2.crt";
$rootCertPath = WY_ROOT . '/includes/aop/cert3/alipayRootCert.crt'; //"例如：/home/admin/cert/alipayRootCert.crt";
$aop->gatewayUrl = 'https://openapi.alipay.com/gateway.do';
// $aop->method='alipay.fund.trans.tobank.transfer';
$aop->appId = $alipay_config['appId'];
$aop->rsaPrivateKey = $alipay_config['rsaPrivateKey'];
$aop->alipayrsaPublicKey = $aop->getPublicKey($alipayCertPath);
$aop->apiVersion = $alipay_config['apiVersion'];
$aop->signType = $alipay_config['signType'];
$aop->postCharset = $alipay_config['postCharset'];
$aop->format = $alipay_config['format'];
$aop->isCheckAlipayPublicCert = true; //是否校验自动下载的支付宝公钥证书，如果开启校验要保证支付宝根证书在有效期内
$aop->appCertSN = $aop->getCertSN($appCertPath); //调用getCertSN获取证书序列号
$aop->alipayRootCertSN = $aop->getRootCertSN($rootCertPath); //调用getRootCertSN获取支付宝根证书序列号
return $aop;
}
/**
* 支付宝转账到银行卡
* @param type $data 用户信息
* @param type $orderId 订单号
* @param type $money 订单金额
* @param type $fee 手续费
* @return type $ret = array(
'error' => false, //是否出错
'error_msg' => '' //错误信息
);
*/
public function alipay_bank($data, $orderId, $money, $fee) {
require_once dirname(WY_ROOT) . '/ApiV1' . '/function_apiv1.php'; //引用 加载
$ret = array(
'error' => false, //是否出错
'error_msg' => '' //错误信息
);
$pub = new ALLClass();
$realmoney = $money - $fee; //实际支付
$realmoney = sprintf("%.2f", $realmoney); //精确到小数点后两位
require_once WY_ROOT . '/includes/aop/request/AlipayFundTransTobankTransferRequest.php';
$request = new AlipayFundTransTobankTransferRequest ();
$this->aop = $this->alipay_init_bank();
$payee_card_no = $data['bank_account_id']; //银行卡号
$payer_real_name = ''; //付款方名称
// $payer_real_name='';//付款方名称
$payee_account_name = $data['bank_account_name']; //收款名称，
$payee_inst_name = $data['position']; //收款行
$bizContentObj['out_biz_no'] = $orderId; //商户端的唯一订单号，对于同一笔转账请求，商户需保证该订单号唯一。201806300001
$bizContentObj['amount'] = $realmoney; // $realmoney; //订单总金额，单位为元，精确到小数点后两位，STD_RED_PACKET产品取值范围[0.01,100000000]；
$bizContentObj['payer_real_name'] = $payer_real_name;
$bizContentObj['payee_card_no'] = $payee_card_no;
$bizContentObj['payee_account_name'] = $payee_account_name;
$bizContentObj['payee_account_type'] = '2';
$bizContentObj['payee_inst_name'] = $payee_inst_name;
$bizContentObj['payee_inst_province'] = '';
$bizContentObj['payee_inst_city'] = '';
$bizContentObj['payee_inst_branch_name'] = '';
$bizContentObj['payee_bank_code'] = '';
$bizContentObj['time_liness'] = 'T0';
$bizContentObj['memo'] = '';
$bizContentObj['remark'] = '结算款'; //业务备注
$pub->data_log($bizContentObj, __FUNCTION__ . '.log');
$request->setNotifyUrl('https://alipay_notify_url.php');//回调地址
$request->setBizContent(json_encode($bizContentObj, JSON_UNESCAPED_UNICODE));
$result = $this->aop->execute($request);
$pub->data_log('alipay_fund_transfer_new==' . json_encode($result, JSON_UNESCAPED_UNICODE), __FUNCTION__ . '.log');
$responseNode = str_replace(".", "_", $request->getApiMethodName()) . "_response";
$resultCode = $result->$responseNode->code;
if (!empty($resultCode) && $resultCode == 10000) {
$pub->data_log('Success', __FUNCTION__ . '.log');
} else {
$ret['error'] = true;
$ret['error_msg'] = $result->$responseNode->sub_msg;
$pub->data_log('error_msg==' . $ret['error_msg'], __FUNCTION__ . '.log');
}
return $ret;
}
/**
回调验签
*/
function check_sign(){
$postData = parameters_certification();
require_once WY_ROOT . '/includes/aop/AopCertClient.php'; //支付宝加载
$aop = new AopCertClient ();
$alipayCertPath = ''; //支付宝公钥证书路径（要确保证书文件可读），
$alipayCertPath = WY_ROOT . '/includes/aop/cert3/alipayCertPublicKey_RSA2.crt'; //"例如：/home/admin/cert/alipayCertPublicKey_RSA2.crt";
$aop->alipayrsaPublicKey = $aop->getPublicKey($alipayCertPath);
$bool=$aop->rsaCheckV1($postData, $alipayCertPath,$postData['sign_type']);
if(!$bool){
die('sign error.');
}
}
/**
* 参数验证
* @param array $field 参数索引数组【'a','b'】
* @param array $data 需要验证数组，不传拿$_REQUEST
* @return boolean | array 不存在参数，空参数返回false，否则返回验证数组
*/
function parameters_certification($field = [], $data = []) {
if (empty($data)) {
$data = $_REQUEST;
}
if (empty($field)) {
return $data;
}
foreach ($field as $val) {
if (isset($data[$val])) {
if (is_array($data[$val])) {
if (empty($data[$val])) {
return false;
} else {
continue;
}
}
if (strlen($data[$val]) > 0) {
continue;
} else {
return false;
}
} else {
return false;
}
}
return $data;
}
?>回调的时候，默认签名使用的是 rsaCheckV1
暂时还没有碰到 rsaCheckV2 的，本来我以为我发送的是V2版本的签名，回调也是V2的
后面试了又试，rsaCheckV1 无疑了
支付宝的SDK无疑是很完善的，接入也方便很多
这里使用的是V2版本