微信支付发起商家转账API 2022年v3 transfer batches

逃离我推掉我的手 2023-10-07 19:01 39阅读 0赞

##### 1 概述 #####

微信转账新接口 [发起商家转账API 微信开发文档][API]

> 接口说明  
> 适用对象：直连商户  
> 请求URL：https://api.mch.weixin.qq.com/v3/transfer/batches  
> 请求方式：POST  
> 接口限频： 单个商户 50QPS，如果超过频率限制，会报错FREQUENCY\_LIMITED，请降低频率请求。  
> 是否需要证书：是

商户可以通过该接口同时向多个用户微信零钱进行转账操作。  
![在这里插入图片描述][24faea79230b4e1f90d8e70f8004f014.png]

##### 2 发起微信转账 请求参数组装 #####

import cn.hutool.core.util.IdUtil;
    import com.google.gson.Gson;
    import com.google.gson.GsonBuilder;
    import lombok.extern.slf4j.Slf4j;
    
    import java.util.ArrayList;
    import java.util.HashMap;
    import java.util.List;
    import java.util.Map;
    
    @Slf4j
    public class WechatPay {
        
    	private static final Gson GSON = new GsonBuilder().create();
    
    	public static void main(String[] args) throws Exception {
        
    	   //测试微信转账
    		weixinTransferBat();
    	}
    	//请看下面
        public static String weixinTransferBat() {
        ...};

public static String weixinTransferBat() throws Exception {
        
    
    
    		//商户号
    		String mchid = "";
    		//申请商户号的appid或商户号绑定的appid（企业号corpid即为此appid）
    		String appId = "";
    		//用户在直连商户应用下的用户标示
    		String openId = "";
    		//商户证书编号
    		String wechatPayserialNo = "";
    		//商户证书路径（在你本机测试时放你本机路径中的就可以）
    		String privatekeypath = "";
    
    
    		Map<String, Object> postMap = new HashMap<String, Object>();
    
    		//商家批次单号 长度 1~32
    		String outNo = IdUtil.getSnowflake(0, 0).nextIdStr();
    
    		postMap.put("appid", appId);
    		postMap.put("out_batch_no", outNo);
    		//该笔批量转账的名称
    		postMap.put("batch_name", "测试转账");
    		//转账说明，UTF8编码，最多允许32个字符
    		postMap.put("batch_remark", "测试转账");
    		//转账金额单位为“分”。 总金额
    		postMap.put("total_amount", 100);
    		//。转账总笔数
    		postMap.put("total_num", 1);
    
    
    		List<Map> list = new ArrayList<>();
    		Map<String, Object> subMap = new HashMap<>(4);
    		//商家明细单号
    		subMap.put("out_detail_no", outNo);
    		//转账金额
    		subMap.put("transfer_amount", 100);
    		//转账备注
    		subMap.put("transfer_remark", "明细备注1");
    		//用户在直连商户应用下的用户标示
    		subMap.put("openid", openId);
    //		subMap.put("user_name", RsaCryptoUtil.encryptOAEP(userName, x509Certificate));
    		list.add(subMap);
    		postMap.put("transfer_detail_list", list);
    
            //发起转账操作
    		String resStr = HttpUtil.postTransBatRequest(
    				"https://api.mch.weixin.qq.com/v3/transfer/batches",
    				GSON.toJson(postMap),
    				wechatPayserialNo,
    				mchid,
    				privatekeypath);
    }

商家批次单号，因为我这里只有一笔，所以用了同一个，读者可以生成多个批次单号, IdUtil 我用的是 cn.hutool 中的工具类，依赖如下：

<dependency>
        <groupId>cn.hutool</groupId>
        <artifactId>hutool-all</artifactId>
        <version>5.8.2</version>
    </dependency>

证书序列号需要在微信商户后台申请  
![在这里插入图片描述][d64fd730353d4ce0a95dc966c02284f7.png]

##### 3 发起微信转账 请求核心代码 #####

import lombok.extern.slf4j.Slf4j;
    import org.apache.http.HttpEntity;
    import org.apache.http.client.methods.CloseableHttpResponse;
    import org.apache.http.client.methods.HttpPost;
    import org.apache.http.entity.StringEntity;
    import org.apache.http.impl.client.CloseableHttpClient;
    import org.apache.http.impl.client.HttpClients;
    
    import org.apache.http.util.EntityUtils;
    
    
    /**
     * 微信支付专用类 请求操作方法
     *
     * @author Administrator
     */
    @Slf4j
    public class HttpUtil {
        
    	/**
    	 * 发起批量转账API 批量转账到零钱
    	 *
    	 * @param requestUrl
    	 * @param requestJson 组合参数
    	 * @param wechatPayserialNo 商户证书序列号
    	 * @param mchID4M  商户号 
    	 * @param privatekeypath  商户私钥证书路径
    	 * @return
    	 */
    	public static String postTransBatRequest(
    			String requestUrl,
    			String requestJson,
    			String wechatPayserialNo,
    			String mchID4M,
    			String privatekeypath) {
        
    		CloseableHttpClient httpclient = HttpClients.createDefault();
    		CloseableHttpResponse response = null;
    		HttpEntity entity = null;
    		try {
        
    			//商户私钥证书
    			HttpPost httpPost = new HttpPost(requestUrl);
    			// NOTE: 建议指定charset=utf-8。低于4.4.6版本的HttpCore，不能正确的设置字符集，可能导致签名错误
    			httpPost.addHeader("Content-Type", "application/json");
    			httpPost.addHeader("Accept", "application/json");
    			//"55E551E614BAA5A3EA38AE03849A76D8C7DA735A");
    			httpPost.addHeader("Wechatpay-Serial", wechatPayserialNo);
    			//-------------------------核心认证 start-----------------------------------------------------------------
    			String strToken = VechatPayV3Util.getToken("POST",
    					"/v3/transfer/batches",
    					requestJson,mchID4M,wechatPayserialNo, privatekeypath);
    			
    			log.error("微信转账token "+strToken);
    			// 添加认证信息
    			httpPost.addHeader("Authorization",
    					"WECHATPAY2-SHA256-RSA2048" + " "
    							+ strToken);
    			//---------------------------核心认证 end---------------------------------------------------------------
    			httpPost.setEntity(new StringEntity(requestJson, "UTF-8"));
    			//发起转账请求
    			response = httpclient.execute(httpPost);
    			entity = response.getEntity();//获取返回的数据
    			log.info("-----getHeaders.Request-ID:"+response.getHeaders("Request-ID"));
    			return EntityUtils.toString(entity);
    		} catch (Exception e) {
        
    			e.printStackTrace();
    		} finally {
        
    			// 关闭流
    		}
    		return null;
    	}
    
    }

###### 3.1 微信转账 token ######

微信转账 token 签名认证 这套是固定的，大家可以直接复制使用

import java.io.IOException;
    import java.nio.file.Files;
    import java.nio.file.Paths;
    import java.security.KeyFactory;
    import java.security.NoSuchAlgorithmException;
    import java.security.PrivateKey;
    import java.security.Signature;
    import java.security.spec.InvalidKeySpecException;
    import java.security.spec.PKCS8EncodedKeySpec;
    import java.util.Random;
    
    import lombok.extern.slf4j.Slf4j;
    import org.apache.commons.codec.binary.Base64;
    
    import org.springframework.util.StringUtils;
    
    @Slf4j
    public class VechatPayV3Util {
        
    
    	/**
    	 * 
    	 * @param method 请求方法 post
    	 * @param canonicalUrl 请求地址
    	 * @param body 请求参数
    	 * @param merchantId 这里用的商户号
    	 * @param certSerialNo 商户证书序列号
    	 * @param keyPath 商户证书地址
    	 * @return
    	 * @throws Exception
    	 */
    	public static String getToken(
    			String method,
    			String canonicalUrl,
    			String body,
    			String merchantId,
    			String certSerialNo,
    			String keyPath) throws Exception {
        
    		String signStr = "";
    		//获取32位随机字符串
            String nonceStr = getRandomString(32);
    		//当前系统运行时间
    		long timestamp = System.currentTimeMillis() / 1000;
    		if (StringUtils.isEmpty(body)) {
        
    			body = "";
    		}
    		//签名操作
    		String message = buildMessage(method, canonicalUrl, timestamp, nonceStr, body);
    		//签名操作
    		String signature = sign(message.getBytes("utf-8"), keyPath);
    		//组装参数
    		signStr = "mchid=\"" + merchantId + "\",timestamp=\"" +  timestamp+ "\",nonce_str=\"" + nonceStr
    				+ "\",serial_no=\"" + certSerialNo + "\",signature=\"" + signature + "\"";
    		
    		return signStr;
    	}
    
    	public static String buildMessage(String method, String canonicalUrl, long timestamp, String nonceStr, String body) {
        
    //		String canonicalUrl = url.encodedPath();
    //		if (url.encodedQuery() != null) {
        
    //			canonicalUrl += "?" + url.encodedQuery();
    //		}
    		return method + "\n" + canonicalUrl + "\n" + timestamp + "\n" + nonceStr + "\n" + body + "\n";
    	}
    
    	public static String sign(byte[] message, String keyPath) throws Exception {
        
    		Signature sign = Signature.getInstance("SHA256withRSA");
    		sign.initSign(getPrivateKey(keyPath));
    		sign.update(message);
    		return Base64.encodeBase64String(sign.sign());
    	}
    
    	/**
    	   * 微信支付-前端唤起支付参数-获取商户私钥
    	   *
    	   * @param filename 私钥文件路径  (required)
    	   * @return 私钥对象
    	   */
    	  public static PrivateKey getPrivateKey(String filename) throws IOException {
        
    
    	  	log.error("签名 证书地址是 "+filename);
    	      String content = new String(Files.readAllBytes(Paths.get(filename)), "utf-8");
    	      try {
        
    	          String privateKey = content.replace("-----BEGIN PRIVATE KEY-----", "")
    	                  .replace("-----END PRIVATE KEY-----", "")
    	                  .replaceAll("\\s+", "");
    	          //System.out.println("--------privateKey---------:"+privateKey);
    	          KeyFactory kf = KeyFactory.getInstance("RSA");
    	          return kf.generatePrivate(
    	                  new PKCS8EncodedKeySpec(Base64.decodeBase64(privateKey)));
    	      } catch (NoSuchAlgorithmException e) {
        
    	          throw new RuntimeException("当前Java环境不支持RSA", e);
    	      } catch (InvalidKeySpecException e) {
        
    	          throw new RuntimeException("无效的密钥格式");
    	      }
    	  }
    	/**
    	 * 获取随机位数的字符串
    	 * @param length
    	 * @return
    	 */
    	public static String getRandomString(int length) {
        
    		String base = "abcdefghijklmnopqrstuvwxyz0123456789";
    		Random random = new Random();
    		StringBuffer sb = new StringBuffer();
    		for (int i = 0; i < length; i++) {
        
    			int number = random.nextInt(base.length());
    			sb.append(base.charAt(number));
    		}
    		return sb.toString();
    	}
    }

##### 4 处理微信转账结果 #####

如果正常微信转账成功，则会返回 JSON 格式的单号等信息

{
        
      "out_batch_no": "plfk2020042013",
      "batch_id": "1030000071100999991182020050700019480001",
      "create_time": "2015-05-20T13:29:35.120+08:00"
    }

小编这里定义的java bean 解析

//GSON 文章开头有声明
    //resStr 微信转账请求结果 发起转账操作结果
    TransferResponsEntity transferResponsEntity = GSON.fromJson(resStr, TransferResponsEntity.class);

TransferResponsEntity 的定义如下：

@Data
    @NoArgsConstructor
    public class TransferResponsEntity implements Serializable {
        
    
    	private String code;
    	private String message;
    	private String batch_id;
    	private String out_batch_no;
    
    	@Override
    	public String toString() {
        
    		return "TransferResponsEntity{" +
    				"code='" + code + '\'' +
    				", message='" + message + '\'' +
    				", batch_id='" + batch_id + '\'' +
    				", out_batch_no='" + out_batch_no + '\'' +
    				'}';
    	}
    }

转账成功的时候 code 值为null ，转账失败里，code 、message 值不为 null.

如果提示你全额不足，可能是运营商账户问题  
![在这里插入图片描述][61aaa42f35584fef93ce93b1ada68e4d.png]

[API]: https://pay.weixin.qq.com/wiki/doc/apiv3/apis/chapter4_3_1.shtml
[24faea79230b4e1f90d8e70f8004f014.png]: https://img-blog.csdnimg.cn/24faea79230b4e1f90d8e70f8004f014.png
[d64fd730353d4ce0a95dc966c02284f7.png]: https://img-blog.csdnimg.cn/d64fd730353d4ce0a95dc966c02284f7.png
[61aaa42f35584fef93ce93b1ada68e4d.png]: https://img-blog.csdnimg.cn/61aaa42f35584fef93ce93b1ada68e4d.png