支付宝微信提现

一.支付宝

支付宝提现官方名称为 单笔转账到支付宝账户 主要分为2个接口 :

1.alipay.fund.trans.toaccount.transfer(单笔转账到支付宝账户接口) 官方文档:https://docs.open.alipay.com/api_28/alipay.fund.trans.toaccount.transfer

2.alipay.fund.trans.order.query(查询转账订单接口) 官方文档https://docs.open.alipay.com/api_28/alipay.fund.trans.order.query/

ps:其中查询转账接口主要是为了防止漏单在错误码为20000,40004,或者编码为SYSTEM_ERROR 时需要使用该接口查询是否已经转账过根据接口返回值判断是否已经打款如果未打款需要重新发起打款如果重试后失败需要加入出错列表或其他处理随业务需要而定

主要接口 alipay.fund.trans.toaccount.transfer

调用时准备步骤:

1. 创建应用并获取APPID

2.添加功能

测试时可使用沙盒内数据

3.配置应用环境

生成秘钥

4.下载sdk

5.调用

其中调用时要注意在调用中放的公钥为支付宝公钥而不是应用公钥如果传错会造成转账成功但是报sign check fail: check Sign and Data Fail!错误

转账金额小数点最多只能2位文本类型和微信提现有差别微信单位为分

附代码例子:

 1  //沙箱数据
 2 string serverUrl = "https://openapi.alipaydev.com/gateway.do"; 
 3  string appId = "test appid";
 4 //私钥
 5 string privateKeyPem ="";
 6  //支付宝公钥
 7  string alipay_public_key = "";
 8 try
 9             {
10                 IAopClient client = new DefaultAopClient(serverUrl, appId, privateKeyPem, "json", "1.0", "RSA2", alipay_public_key, "GBK", false);
11                 AlipayFundTransToaccountTransferRequest request = new AlipayFundTransToaccountTransferRequest();
12                 request.BizContent = "{" +
13     "    "out_biz_no":"" + sn + ""," +//商户转账唯一订单号
14     "    "payee_type":"ALIPAY_LOGONID"," +//ALIPAY_LOGONID：支付宝登录号
15     "    "payee_account":"" + payee + ""," +//收款方账户
16     "    "amount":"" + Math.Round(amount, 2).ToString() + ""," +//转账金额
17     "    "payee_real_name":"" + userName + ""," +//收款方真实姓名
18     "    "remark":"用户提现打款"," +
19     "  }";
20                 var response = client.Execute(request);
21                 if (response.Code == "10000")
22                 {
23                     return true;
24                 }
25                 else
26                 {
27                     LogInfo(string.Format("单号:{1} 支付宝支付失败 原因:{0}", response.SubMsg, sn));
28                     if (response.Code == "20000" || response.Code == "40004" || response.SubCode == "SYSTEM_ERROR")
29                     {
30                         //掉单
31                         //查询转账结果
32                         AlipayFundTransOrderQueryRequest _request = new AlipayFundTransOrderQueryRequest();
33                         request.BizContent = "{" +
34                         ""out_biz_no":"" + sn + ""," +
35                         ""order_id":"" + response.OrderId + """ +
36                         "  }";
37                         var _response = client.Execute(_request);
38                         if (_response.Code == "10000" && _response.Status == "SUCCESS" && !string.IsNullOrEmpty(_response.PayDate) && string.IsNullOrEmpty(_response.ErrorCode))
39                         {
40                             return true;//掉单 网络问题实际转账成功
41                         }
42                         else
43                         {
44                             if (errorTimes <= 3)
45                             {
46                                 //增加错误数
47                                 using (MongoDbProviderFactory factory = base.NewWashcarFactory())
48                                 {
49                                     WithdrawalsApplyRecordAccess access = new WithdrawalsApplyRecordAccess(factory.Context);
50                                     var rec = access.Single(recordId);
51                                     if (rec != null)
52                                     {
53                                         rec.ErrorTimes = rec.ErrorTimes + 1;
54                                         access.Update(rec);
55                                     }
56                                 }
57                                 //重新打款一次
58                                 response = client.Execute(request);
59                                 if (response.Code == "10000")
60                                 {
61                                     return true;
62                                 }
63                                 else
64                                 {
65                                     LogInfo(string.Format("单号:{1} 支付宝支付失败 原因:{0}", response.SubMsg, sn));
66                                     return false;
67                                 }
68                             }
69                         }
70                     }
71                     return false;
72                 }
73             }
74             catch (Exception ex)
75             {
76                 LogInfo(string.Format("单号:{1} 支付宝支付失败 ex:{0}", ex.Message, sn));
77                 return false;
78             }

提现关键代码片段

二.微信

微信功能官方名称 企业付款 文档地址:https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=14_2 文档很全面

开发步骤:

1.注册服务号

2.注册微信商户号

3.在商户号后台对AppID授权开通企业付款到零钱功能

4.下载证书

5.调用接口

注意事项:

1.打款是预付款形式必须先在商户平台充值

2.签名需要根据ASCII码排序并加密详见文档

3.证书需要放在服务器非虚拟路径处防止被非法下载盗用代码中必须调用否则证书安装了没效果

4.必须通过微信的openId 获取被转账人所以需要在调用之前根据业务绑定微信和用户账号

代码部分:

  1   /// <summary>
  2         /// 微信提现
  3         /// </summary>
  4         /// <param name="sn">单号</param>
  5         /// <param name="wxOpenId">微信用户openid</param>
  6         /// <param name="userName">用户真实姓名</param>
  7         /// <param name="amount">金额 单位分</param>
  8         private bool WechatPay(string sn, string wxOpenId, string userName, int amount)
  9         {
 10             if (string.IsNullOrEmpty(sn)) { LogAndSetMsg(string.Format("单号为空 转账失败")); return false; }
 11             if (string.IsNullOrEmpty(wxOpenId)) { LogAndSetMsg(string.Format("单号{0} 微信用户openId为空 转账失败", sn)); return false; }
 12             if (string.IsNullOrEmpty(userName)) { LogAndSetMsg(string.Format("单号{0} 用户真实姓名为空 转账失败", sn)); return false; }
 13             #region 微信支付配置区
 14             string mch_appid = "";//商户账号appid
 15             string mchid = "";//商户号
 16             string key = "";//秘钥
 17             string cert = @"E:certificatewechartapiclient_cert.p12";//证书路径
 18             #endregion
 19             string nonce_str = Guid.NewGuid().ToString().Replace("-", "");//随机字符串
 20             string sign = "";//签名
 21             string partner_trade_no = sn;//商户订单号
 22             string openid = wxOpenId;//用户openid
 23             string check_name = "FORCE_CHECK";//强校验真实姓名
 24             string re_user_name = userName;//收款用户姓名
 25             string desc = "用户提现打款";//企业付款描述信息
 26             string spbill_create_ip = GetLocalIP();//Ip地址
 27             Dictionary<string, string> parm = new Dictionary<string, string>();
 28             parm.Add("mch_appid", mch_appid);
 29             parm.Add("mchid", mchid);
 30             parm.Add("nonce_str", nonce_str);
 31             parm.Add("partner_trade_no", partner_trade_no);
 32             parm.Add("openid", openid);
 33             parm.Add("check_name", check_name);
 34             parm.Add("re_user_name", re_user_name);
 35             parm.Add("amount", amount.ToString());
 36             parm.Add("desc", desc);
 37             parm.Add("spbill_create_ip", spbill_create_ip);
 38             //设置签名
 39             var stringSignTemp = getParamSrc(parm);//签名处理中间变量
 40             stringSignTemp = stringSignTemp + "&key=" + key;
 41             sign = GetMD5(stringSignTemp).ToUpper();
 42             parm.Add("sign", sign);
 43             XDocument xml;
 44             try
 45             {//发送带证书的请求
 46                 ServicePointManager.ServerCertificateValidationCallback = new RemoteCertificateValidationCallback(CheckValidationResult);
 47                 X509Certificate cer = new X509Certificate(cert, mchid);
 48                 HttpWebRequest webrequest = (HttpWebRequest)HttpWebRequest.Create("https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers");
 49                 webrequest.ClientCertificates.Add(cer);
 50                 webrequest.ContentType = "application/x-www-form-urlencoded";
 51                 webrequest.Method = "post";
 52                 //拼接post请求
 53                 string parmStr = "<xml>";
 54                 parmStr += "<amount>" + amount + "</amount>";
 55                 parmStr += "<check_name>"+check_name+"</check_name>";
 56                 parmStr += "<desc>"+desc+"</desc>";
 57                 parmStr += "<mch_appid>"+ mch_appid + "</mch_appid>";
 58                 parmStr += "<mchid>"+ mchid + "</mchid>";
 59                 parmStr += "<nonce_str>"+ nonce_str + "</nonce_str>";
 60                 parmStr += "<openid>"+ openid + "</openid>";
 61                 parmStr += "<partner_trade_no>"+ partner_trade_no + "</partner_trade_no>";
 62                 parmStr += "<re_user_name>"+ re_user_name + "</re_user_name>";
 63                 parmStr += "<spbill_create_ip>"+ spbill_create_ip + "</spbill_create_ip>";
 64                 parmStr += "<sign>"+ sign + "</sign>";
 65                 parmStr += "</xml>";
 66                 byte[] byteArray = Encoding.UTF8.GetBytes(parmStr); //转化
 67                 webrequest.ContentLength = byteArray.Length;
 68                 using (Stream newStream = webrequest.GetRequestStream())
 69                 {
 70                     newStream.Write(byteArray, 0, byteArray.Length);//写入参数
 71                 }
 72                 HttpWebResponse webreponse = (HttpWebResponse)webrequest.GetResponse();
 73                 Stream stream = webreponse.GetResponseStream();
 74                 StreamReader sr = new StreamReader(webreponse.GetResponseStream(), Encoding.UTF8);
 75                 string str = sr.ReadToEnd();
 76                 xml = XDocument.Load(stream);
 77             }
 78             catch (Exception ex)
 79             {
 80                 LogAndSetMsg(string.Format("单号:{1} 发送带证书的请求失败 ex:{0}", ex.Message, sn));
 81                 return false;
 82             }
 83             //解析返回结果
 84             if (xml == null) { LogAndSetMsg(string.Format("解析微信返回值出错 单号:{0}", sn)); return false; }
 85             //获取根节点
 86             var root = xml.Root;
 87             var node = root.Element("result_code");
 88             if (node != null && node.Value == "SUCCESS")
 89             {
 90                 return true;
 91             }
 92             else
 93             {
 94                 var err = root.Element("return_msg");
 95                 if (err != null)
 96                 {
 97                     LogAndSetMsg(string.Format("支付失败:{0} 单号:{1}", err.Value, sn));
 98                 }
 99                 else
100                 {
101                     LogAndSetMsg(string.Format("支付失败:原因未知 单号:{0}", sn));
102                 }
103                 return false;
104             }
105         }

关键方法

 1   //加密
 2         public static string GetMD5(string pwd)
 3         {
 4             MD5 md5Hasher = MD5.Create();
 5 
 6             byte[] data = md5Hasher.ComputeHash(Encoding.UTF8.GetBytes(pwd));
 7 
 8             StringBuilder sBuilder = new StringBuilder();
 9             for (int i = 0; i < data.Length; i++)
10             {
11                 sBuilder.Append(data[i].ToString("x2"));
12             }
13 
14             return sBuilder.ToString();
15         }

MD5

 1    /// <summary>
 2         /// 参数按照ASCII码从小到大排序
 3         /// </summary>
 4         /// <param name="paramsMap"></param>
 5         /// <returns></returns>
 6         private string getParamSrc(Dictionary<string, string> paramsMap)
 7         {
 8             var vDic = (from objDic in paramsMap orderby objDic.Key ascending select objDic);
 9             StringBuilder str = new StringBuilder();
10             foreach (KeyValuePair<string, string> kv in vDic)
11             {
12                 string pkey = kv.Key;
13                 string pvalue = kv.Value;
14                 str.Append(pkey + "=" + pvalue + "&");
15             }
16 
17             string result = str.ToString().Substring(0, str.ToString().Length - 1);
18             return result;
19         }

根据AscII码排序参数为文本

 1  /// <summary>
 2         /// 获取本机ip
 3         /// </summary>
 4         /// <returns></returns>
 5         private string GetLocalIP()
 6         {
 7             try
 8             {
 9                 string HostName = Dns.GetHostName(); //得到主机名
10                 IPHostEntry IpEntry = Dns.GetHostEntry(HostName);
11                 for (int i = 0; i < IpEntry.AddressList.Length; i++)
12                 {
13                     //从IP地址列表中筛选出IPv4类型的IP地址
14                     //AddressFamily.InterNetwork表示此IP为IPv4,
15                     //AddressFamily.InterNetworkV6表示此地址为IPv6类型
16                     if (IpEntry.AddressList[i].AddressFamily == AddressFamily.InterNetwork)
17                     {
18                         return IpEntry.AddressList[i].ToString();
19                     }
20                 }
21                 LogInfo("未能获取到本机IP");
22                 return "";
23             }
24             catch (Exception ex)
25             {
26                 LogInfo("获取本机IP出错:" + ex.Message);
27                 return "";
28             }
29         }

获取本机IP

1  private static bool CheckValidationResult(object sender, X509Certificate certificate, X509Chain chain, SslPolicyErrors errors)
2         {
3             if (errors == SslPolicyErrors.None)
4                 return true;
5             return false;
6         }

证书请求回调

注:

1. post请求参数为xml格式

2.SYSTEMERROR 错误时需要原单号重试否则会多次支付代码中未展示

3.证书出错官方解决方案:https://pay.weixin.qq.com/wiki/doc/api/download/cert.zip 里面有一个word文档

还有个简洁的做法就是服务的情况下在属性--->登录--->选择此账户选择管理员账户