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PHP中怎么实现微信提现功能

发表于：2026-11-02 作者：千家信息网编辑

千家信息网最后更新 2026年11月02日，PHP中怎么实现微信提现功能，相信很多没有经验的人对此束手无策，为此本文总结了问题出现的原因和解决方法，通过这篇文章希望你能解决这个问题。封装提现的方法function tixian($money){

千家信息网最后更新 2026年11月02日PHP中怎么实现微信提现功能

PHP中怎么实现微信提现功能，相信很多没有经验的人对此束手无策，为此本文总结了问题出现的原因和解决方法，通过这篇文章希望你能解决这个问题。

封装提现的方法

function tixian($money){    $appid = "################";//商户账号appid    $secret = "##########";//api密码    $mch_id = "#######";//商户号    $mch_no = "#######";    $openid="123456789";//授权用户openid    $arr = array();    $arr['mch_appid'] = $appid;    $arr['mchid'] = $mch_id;    $arr['nonce_str'] = ugv::randomid(20);//随机字符串，不长于32位    $arr['partner_trade_no'] = '1298016501' . date("Ymd") . rand(10000, 90000) . rand(10000, 90000);//商户订单号    $arr['openid'] = $openid;    $arr['check_name'] = 'NO_CHECK';//是否验证用户真实姓名，这里不验证    $arr['amount'] = $money;//付款金额，单位为分    $desc = "###提现";    $arr['desc'] = $desc;//描述信息    $arr['spbill_create_ip'] = '192.168.0.1';//获取服务器的ip    //封装的关于签名的算法    $notify = new Notify_pub();    $notify->weixin_app_config = array();    $notify->weixin_app_config['KEY'] = $mch_no;    $arr['sign'] = $notify->getSign($arr);//签名    $var = $notify->arrayToXml($arr);    $xml = $this->curl_post_ssl('https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers', $var, 30, array(), 1);    $rdata = simplexml_load_string($xml, 'SimpleXMLElement', LIBXML_NOCDATA);    $return_code = (string)$rdata->return_code;    $result_code = (string)$rdata->result_code;    $return_code = trim(strtoupper($return_code));    $result_code = trim(strtoupper($result_code));    if ($return_code == 'SUCCESS' && $result_code == 'SUCCESS') {      $isrr = array(        'con'=>'ok',        'error' => 0,      );    } else {      $returnmsg = (string)$rdata->return_msg;      $isrr = array(        'error' => 1,        'errmsg' => $returnmsg,      );    }    return json_encode($isrr);}

用到的curl_post_ssl()

function curl_post_ssl($url, $vars, $second = 30, $aHeader = array())  {    $isdir = "/cert/";//证书位置    $ch = curl_init();//初始化curl    curl_setopt($ch, CURLOPT_TIMEOUT, $second);//设置执行最长秒数    curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);//要求结果为字符串且输出到屏幕上    curl_setopt($ch, CURLOPT_URL, $url);//抓取指定网页    curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, false);// 终止从服务端进行验证    curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, false);//    curl_setopt($ch, CURLOPT_SSLCERTTYPE, 'PEM');//证书类型    curl_setopt($ch, CURLOPT_SSLCERT, $isdir . 'apiclient_cert.pem');//证书位置    curl_setopt($ch, CURLOPT_SSLKEYTYPE, 'PEM');//CURLOPT_SSLKEY中规定的私钥的加密类型    curl_setopt($ch, CURLOPT_SSLKEY, $isdir . 'apiclient_key.pem');//证书位置    curl_setopt($ch, CURLOPT_CAINFO, 'PEM');    curl_setopt($ch, CURLOPT_CAINFO, $isdir . 'rootca.pem');    if (count($aHeader) >= 1) {      curl_setopt($ch, CURLOPT_HTTPHEADER, $aHeader);//设置头部    }    curl_setopt($ch, CURLOPT_POST, 1);//post提交方式    curl_setopt($ch, CURLOPT_POSTFIELDS, $vars);//全部数据使用HTTP协议中的"POST"操作来发送    $data = curl_exec($ch);//执行回话    if ($data) {      curl_close($ch);      return $data;    } else {      $error = curl_errno($ch);      echo "call faild, errorCode:$error\n";      curl_close($ch);      return false;    }}

关于具体签名算法，可参考微信官方文档；

简单示范签名算法：

//将要发送的数据整理为$dataksort($data);//排序//使用URL键值对的格式（即key1=value1&key2=value2…）拼接成字符串$str='';foreach($data as $k=>$v) {  $str.=$k.'='.$v.'&';}//拼接API密钥$str.='key='.$secrect;$data['sign']=md5($str);//加密

将数组转换成xml格式（简单方法）：

//遍历数组方法function arraytoxml($data){  $str='';  foreach($data as $k=>$v) {    $str.='<'.$k.'>'.$v.'';  }  $str.='';  return $str;}

将xml格式转换为数组：

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;}

下面来看看ThinkPHP5封装的提现类。

state=md5(uniqid(rand(), TRUE));   $this->amount=I('amount');//设置POST过来钱数   $this->order_sn=rand(100,999).date('YmdHis'); //随机数可以作为单号   $this->openid= I('openid'); //设置获取POST过来用户的OPENID    $user_id = I('user_id');   $this->app_id=$this->app_id1;   $this->app_secret=$this->app_secret1;   $this->apikey=$this->apikey1;   $this->mchid=$this->mchid1;   $xml=$this->tiXianAction();   $result=simplexml_load_string($xml);   if($result->return_code=='SUCCESS' && $result->result_code=='SUCCESS') {        $cash = D('cash');        $data['user_id'] = $user_id;        $data['amount'] = $this->amount;        $res = $cash->where('user_id="'.$user_id.'"')->find();        if($res){          $res2 = $cash->where('user_id="'.$user_id.'"')->setInc('amount',$this->amount);          $res4 = D('member')->where('user_id="'.$user_id.'"')->setDec('user_balance',$this->amount);        }else{          $res3 = $cash->add($data);        }      $output = array('code' => 1, 'data' => $result->result_code, 'info' => '提现成功');      exit(json_encode($output));   }else{      $output = array('code' => 2, 'data' => $xml, 'info' => '提现失败');      exit(json_encode($output));   }  }  /**  * 提现接口操作,控制器调用  * @param $openid 用户openid 唯一标示  * @return  */  //提现接口操作  public function tiXianAction(){   //获取xml数据   $data=$this->getdataXml($this->openid);   $ch = curl_init ();   //接口地址   $MENU_URL="https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers";   curl_setopt ( $ch, CURLOPT_URL, $MENU_URL );   curl_setopt ( $ch, CURLOPT_CUSTOMREQUEST, "POST" );   curl_setopt ( $ch, CURLOPT_SSL_VERIFYPEER, FALSE );   curl_setopt ( $ch, CURLOPT_SSL_VERIFYHOST, FALSE );   //证书地址,微信支付下面    curl_setopt($ch,CURLOPT_SSLCERTTYPE,'PEM');    curl_setopt($ch,CURLOPT_SSLCERT, 'C:\web\www\Home\wx_pay\apiclient_cert.pem'); //证书这块大家把文件放到哪都行、    curl_setopt($ch,CURLOPT_SSLKEYTYPE,'PEM');    curl_setopt($ch,CURLOPT_SSLKEY, 'C:\web\www\Home\wx_pay\apiclient_key.pem');//注意证书名字千万别写错、   //$zs1=dirname(dirname(__FILE__)).'\wx_pay\apiclient_cert.pem';   //$zs2=dirname(dirname(__FILE__)).'\wx_pay\apiclient_key.pem';   //show_bug($zs1);   //curl_setopt($ch,CURLOPT_SSLCERT,$zs1);   //curl_setopt($ch,CURLOPT_SSLKEY,$zs2);   // curl_setopt($ch, CURLOPT_USERAGENT, 'Mozilla/5.0 (compatible; MSIE 5.01;   // Windows NT 5.0)');   //curl_setopt ( $ch, CURLOPT_FOLLOWLOCATION, 1 );   curl_setopt ( $ch, CURLOPT_AUTOREFERER, 1 );   curl_setopt ( $ch, CURLOPT_POSTFIELDS, $data );   curl_setopt ( $ch, CURLOPT_RETURNTRANSFER, true );   $info = curl_exec ( $ch );    //返回结果    if($info){      curl_close($ch);      return $info;    } else {      $error = curl_errno($ch);      curl_close($ch);      return "curl出错，错误码:$error";    }  }  /**  * 获取数据封装为数组  * @param $openid 用户openid 唯一标示  * @return xml  */  private function getdataXml($openid){   //封装成数据   $dataArr=array(     'amount'=>$this->amount*100,//金额（以分为单位，必须大于100）     'check_name'=>'NO_CHECK',//校验用户姓名选项，NO_CHECK：不校验真实姓名 FORCE_CHECK：强校验真实姓名（未实名认证的用户会校验失败，无法转账）OPTION_CHECK：针对已实名认证的用户才校验真实姓名（未实名认证用户不校验，可以转账成功）     'desc'=>'提现',//描述     'mch_appid'=>$this->app_id,     'mchid'=>$this->mchid,//商户号     'nonce_str'=>rand(100000, 999999),//不长于32位的随机数     'openid'=>$openid,//用户唯一标识     'partner_trade_no'=>$this->order_sn,//商户订单号     're_user_name'=>'',//用户姓名，check_name为NO_CHECK时为可选项     'spbill_create_ip'=>$_SERVER["REMOTE_ADDR"],//服务器ip   );   //获取签名   $sign=$this->getSign($dataArr);   //xml数据   $data="     ".$dataArr['mch_appid']."     ".$dataArr['mchid']."     ".$dataArr['nonce_str']."     ".$dataArr['partner_trade_no']."     ".$dataArr['openid']."     ".$dataArr['check_name']."     ".$dataArr['re_user_name']."     ".$dataArr['amount']."     ".$dataArr['desc']."     ".$dataArr['spbill_create_ip']."     ".$sign."     ";   return $data;  }  /**  *   作用：格式化参数，签名过程需要使用  */  private function formatBizQueryParaMap($paraMap, $urlencode)  {   $buff = "";   ksort($paraMap);   foreach ($paraMap as $k => $v)   {     if($v){      if($urlencode)      {        $v = urlencode($v);      }      $buff .= $k . "=" . $v . "&";     }   }   $reqPar=NULL;   if (strlen($buff) > 0)   {     $reqPar = substr($buff, 0, strlen($buff)-1);   }   return $reqPar;  }  /**  *   作用：生成签名  */  private function getSign($Obj)  {   foreach ($Obj as $k => $v)   {     $Parameters[$k] = $v;   }   //签名步骤一：按字典序排序参数   ksort($Parameters);   $String = $this->formatBizQueryParaMap($Parameters, false);   //echo '【string1】'.$String.'
';   //签名步骤二：在string后加入KEY   $String = $String."&key=".$this->apikey;   //echo "【string2】".$String."
";   //签名步骤三：MD5加密   $String = md5($String);   //echo "【string3】 ".$String."
";   //签名步骤四：所有字符转为大写   $result_ = strtoupper($String);   //echo "【result】 ".$result_."
";   return $result_;  }  //-----------  private function http($url, $method='POST', $postfields = null, $headers = array())  {   header("Content-Type:text/html;charset=utf-8");   $ch = curl_init();   /* Curl settings */   curl_setopt($ch, CURLOPT_URL, $url);   curl_setopt($ch, CURLOPT_POSTFIELDS, "");   curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);   curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, FALSE); // https请求 不验证证书和hosts   curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, FALSE);   curl_setopt($ch, CURLOPT_TIMEOUT, 30);   switch ($method){     case 'POST':      curl_setopt($ch,CURLOPT_POST, true);      break;   }   curl_setopt($ch, CURLOPT_HTTPHEADER,$headers);   curl_setopt($ch, CURLINFO_HEADER_OUT, true);   $response = curl_exec($ch);   $http_code = curl_getinfo($ch, CURLINFO_HTTP_CODE); //返回请求状态码   curl_close($ch);   return array($http_code, $response);  }}