微信商家转账接口实例：
/**** 提现打款*/ class tixian{public $mch_appid = APPID_;public function zhuanzhang($open_id,$order_no,$pay_money){$post_data = ["appid" => $this->mch_appid,//appid"out_bill_no" => $order_no,//商家单号"transfer_scene_id" => "1005",//商家批次单号'openid' => $open_id,"transfer_amount" => intval(strval($pay_money)),// 转账金额单位为“分”"transfer_remark" => "用户提现转账", // 转账总笔数 // "user_recv_perception" => "现金奖励","transfer_scene_report_infos" => [['info_type' => "岗位类型",// 固定值'info_content' => "系统推广员",// 示例值 ],['info_type' => "报酬说明",// 固定值'info_content' => "用户佣金",// 示例值 ]]];$url = 'https://api.mch.weixin.qq.com/v3/fund-app/mch-transfer/transfer-bills';$result= self::wx_post($url, json_encode($post_data,JSON_UNESCAPED_SLASHES | JSON_UNESCAPED_UNICODE));$result = json_decode($result, true);AddLog('提现参数：' . json_encode($post_data, JSON_UNESCAPED_UNICODE) . ";结果：" . json_encode($result,JSON_UNESCAPED_UNICODE));return $result;// if(isset($result['code'])){ // $this->error($result['massage']); // } }public static function wx_post($url, $param){$authorization = self::getV3Sign($url, "POST", $param);$curl = curl_init();$headers = ['Authorization:' . $authorization,'Accept:application/json','Content-Type:application/json;charset=utf-8','User-Agent:Mozilla/5.0 (Windows NT 10.0; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/63.0.3239.132 Safari/537.36',];curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);curl_setopt($curl, CURLOPT_TIMEOUT, 500);curl_setopt($curl, CURLOPT_SSL_VERIFYPEER, false);curl_setopt($curl, CURLOPT_SSL_VERIFYHOST, false);curl_setopt($curl, CURLOPT_URL, $url);curl_setopt($curl, CURLOPT_POSTFIELDS, $param);curl_setopt($curl, CURLOPT_POST, true);$res = curl_exec($curl);curl_close($curl);return $res;}public static function getV3Sign($url, $http_method, $body){$nonce = strtoupper(self::createNonceStr(32));$timestamp = time();$url_parts = parse_url($url);$canonical_url = ($url_parts['path'] . (!empty($url_parts['query']) ? "?${url_parts['query']}" : ""));$cert_dir = "证书路径"; //绝对路径$sslKeyPath = $cert_dir."apiclient_key.pem";//拼接参数$message = $http_method . "\n" .$canonical_url . "\n" .$timestamp . "\n" .$nonce . "\n" .$body . "\n";$private_key = self::getPrivateKey($sslKeyPath);openssl_sign($message, $raw_sign, $private_key, 'sha256WithRSAEncryption');$sign = base64_encode($raw_sign);//商户序列号$xulie_number = '56F03CA1113C6EB1799961A988D3E8D1B9B2A7B5';$token = sprintf('WECHATPAY2-SHA256-RSA2048 mchid="%s",nonce_str="%s",timestamp="%s",serial_no="%s",signature="%s"', MCHID_, $nonce, $timestamp,$xulie_number, $sign);return $token;}public static function createNonceStr($length = 16) { //生成随机16个字符的字符串$chars = "abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ0123456789";$str = "";for ($i = 0; $i < $length; $i++) {$str .= substr($chars, mt_rand(0, strlen($chars) - 1), 1);}return $str;}public static function getPrivateKey($filepath = ''){if (empty($filepath)) {//私钥位置$cert_dir = "证书路径";$filepath = $cert_dir."apiclient_key.pem";}return openssl_get_privatekey(file_get_contents($filepath));}}
$tixian = new tixian();
$res = $tixian->zhuanzhang($data_openid,$orderid,$money);
var_dump($res);die;
成功返回：
提现参数：{"appid":"wx45000d4fe35ff03e","out_bill_no":"TGTX116120251120034050","transfer_scene_id":"1005","openid":"owsmlvgjPMgPMTFoVvK3wy0UjxzU","transfer_amount":100,"transfer_remark":"用户提现转账","transfer_scene_report_infos":[{"info_type":"岗位类型","info_content":"系统推广员"},{"info_type":"报酬说明","info_content":"用户佣金"}]};结果：{"create_time":"2025-11-21T18:14:28+08:00","out_bill_no":"TGTX116120251120034050","package_info":"ABBQO+oYAAABAAAAAAALvwHS6QT/QZwzhDsgaRAAAADnGpepZahT9IkJjn90+1qgEVGqai4bNyttiEqgnrSiDD8xCKL0IYw9jQUUDDyY5b3lmHg19bPKTw5MXsSy9CeBXRcWgQpm4/yy0mFzd+KlgxdDzhQ=","state":"WAIT_USER_CONFIRM","transfer_bill_no":"1330008014268852511210060338406255"}