本文分享微信支付-企业付款到个人零钱-个人提现功能的思路：图如下：

1.基本配置

//公众账号appid
     $data["mch_appid"] = 'appid';
//商户号    
     $data["mchid"]  = '';
//随机字符串   
     $data["nonce_str"] = 'suiji'.mt_rand(100,999); 
//商户订单号       
 $data["partner_trade_no"]=date('YmdHis').mt_rand(1000,9999);  
//金额 用户输入的提现金额需要乘以100             
    $data["amount"] = $money;     
//企业付款描述
    $data["desc"]  = '企业付款到个人零钱'; 
//用户openid                   
   $data["openid"]   = $openid;  
//不检验用户姓名                
   $data["check_name"]   = 'NO_CHECK';  
//获取IP             
   $data['spbill_create_ip']=$_SERVER['SERVER_ADDR'];   
//商户密钥  
    $data['key']='';
//商户证书  商户平台的API安全证书下载
    $data['apiclient_cert.pem']
    $data['apiclient_key.pem']  

2.PHP代码

/**
**开始支付
/
 public function userpay(){
        $money = ‘用户输入提现金额’;
        $info['money'] = ‘用户余额’;
        if ($this->openid && $money){
            if ($money>$info['money'] ){
                echo json_encode([
                    'status' => 1,
                    'message' => '余额不足，不能提现！',
                    'code'=>'余额不足，不能提现！'
                ]);
            }elseif ($money<1){
                echo json_encode([
                    'status' => 2,
                    'message' => '提现金额不能小于1元',
                    'code'=>'提现金额太低'
                ]);
            }else{
       $openid = $this->openid;
       $trade_no = date('YmdHis').mt_rand(1000,9999);
       $res = $this->pay($openid,$trade_no,$money*100,'微信提现');

       //结果打印
     if($res['result_code']=="SUCCESS"){

                   echo json_encode([
                        'status' => 3,
                        'message' => '提现成功！',
                    ]);
                }elseif ($res['err_code']=="SENDNUM_LIMIT"){
                    echo json_encode([
                        'status' => 4,
                        'message' => '提现失败！',
                        'code'=>'每日仅能提现一次',
                    ]);
                }else{
                    echo json_encode([
                        'status' => 5,
                        'message' => '提现失败！',
                        'code'=>$res['err_code'],
                    ]);
                }
            }
        }else{
            echo json_encode([
                'status' => 5,
                'message' => '未检测到您当前微信账号~',

            ]);
        }
  }

3、支付方法

/**
*支付方法
/
public function pay($openid,$trade_no,$money,$desc){
   $params["mch_appid"]='';       
   $params["mchid"] = '';   
   $params["nonce_str"]= 'suiji'.mt_rand(100,999);   
   $params["partner_trade_no"]  = $trade_no;           
   $params["amount"]= $money;          
   $params["desc"]= $desc;         
   $params["openid"]= $openid;          
   $params["check_name"]= 'NO_CHECK';      
   $params['spbill_create_ip'] = $_SERVER['SERVER_ADDR'];   

   //生成签名
    $str = 'amount='.$params["amount"].'&check_name='.$params["check_name"].'&desc='.$params["desc"].'&mch_appid='.$params["mch_appid"].'&mchid='.$params["mchid"].'&nonce_str='.$params["nonce_str"].'&openid='.$params["openid"].'&partner_trade_no='.$params["partner_trade_no"].'&spbill_create_ip='.$params['spbill_create_ip'].'&key=商户密钥';

 //md5加密 转换成大写
   $sign = strtoupper(md5($str));
 //生成签名
   $params['sign'] = $sign;

 //构造XML数据
   $xmldata = $this->array_to_xml($params);  //数组转XML
 $url='https://api.mch.weixin.qq.com/mmpaymkttransfers/prom       otion/transfers';

  //发送post请求
  $res = $this->curl_post_ssl($url, $xmldata); //curl请求 
  if(!$res){
    return array('status'=>1, 
                 'msg'=>"服务器连接失败" );
    }

  //付款结果分析
    $content = $this->xml_to_array($res);  //xml转数组
    return $content;
    }

/**
* curl请求
/
public function curl_post_ssl($url, $xmldata,           $second=30,$aHeader=array()){
 $ch = curl_init();
 //超时时间
 curl_setopt($ch,CURLOPT_TIMEOUT,$second);
 curl_setopt($ch,CURLOPT_RETURNTRANSFER, 1);
 //这里设置代理，如果有的话
 //curl_setopt($ch,CURLOPT_PROXY, '10.206.30.98');
 //curl_setopt($ch,CURLOPT_PROXYPORT, 8080);
 curl_setopt($ch,CURLOPT_URL,$url);
 curl_setopt($ch,CURLOPT_SSL_VERIFYPEER,false);
 curl_setopt($ch,CURLOPT_SSL_VERIFYHOST,false);

 //默认格式为PEM，可以注释
   curl_setopt($ch,CURLOPT_SSLCERTTYPE,'PEM');
//绝对地址可使用 dirname(__DIR__)打印，如果不是绝对地址会报 58 错误
    curl_setopt($ch,CURLOPT_SSLCERT,' 绝对地址/apiclient_cert.pem');
    curl_setopt($ch,CURLOPT_SSLKEYTYPE,'PEM');
    curl_setopt($ch,CURLOPT_SSLKEY,'绝对地址/apiclient_key.pem');
   if( count($aHeader) >= 1 ){
            curl_setopt($ch, CURLOPT_HTTPHEADER, $aHeader);
        }
  curl_setopt($ch,CURLOPT_POST, 1);
  curl_setopt($ch,CURLOPT_POSTFIELDS,$xmldata);
  $data = curl_exec($ch);
  if($data){
    curl_close($ch);
    return $data;
        }
  else {
   $error = curl_errno($ch);
   echo "call faild, errorCode:$error\n";
   die();
   curl_close($ch);
   return false;
        }
    }

/**
  * array 转 xml
 * 用于生成签名
*/
public function array_to_xml($arr){
  $xml = "<xml>";
   foreach ($arr as $key => $val) {
     if (is_numeric($val)) {
        $xml .= "<" .$key.">".$val."</".$key.">";
     } else
      $xml .= "<".$key."><![CDATA[".$val."]]></".$key.">";
    }
   $xml .= "</xml>";
  return $xml;
    }

/**
* xml 转化为array
*/
public function xml_to_array($xml){
   //禁止引用外部xml实体
  libxml_disable_entity_loader(true);
   $values =  json_decode(json_encode(simplexml_load_string($xml, 'SimpleXMLElement', LIBXML_NOCDATA)), true);
   return $values;
    }

原文链接：https://blog.csdn.net/qd55815634/article/details/78541491