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

1 概述

微信转账新接口 发起商家转账API 微信开发文档

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。

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;@Slf4jpublic 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 1~32String 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：

<!-- https://mvnrepository.com/artifact/cn.hutool/hutool-all --><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

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 */@Slf4jpublic 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;@Slf4jpublic 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@NoArgsConstructorpublic class TransferResponsEntity implements Serializable {private String code;private String message;private String batch_id;private String out_batch_no;@Overridepublic 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