alipay.fund.trans.tobank.transfer(单笔转账到银行账户接口)

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一、下载支付宝SDK，现有版本v1、v2、v3

https://github.com/alipay/alipay-sdk-php-all

github 慢的话，DNS   直达即可 140.82.112.3 github.com

【host文件路径c:\windows\system32\drivers\etc】

二、引用代码编写

<?php//支付宝转账到银行卡配置function alipay_init_bank() {//调用支付宝身份证认证接口require_once WY_ROOT . '/includes/aop/AopCertClient.php'; //支付宝加载require_once WY_ROOT . '/includes/aop/AopClient.php'; //支付宝加载require_once WY_ROOT . '/includes/aop/AopCertification.php'; //支付宝加载require_once WY_ROOT . '/includes/libs/Config.php'; //配置加载require_once dirname(WY_ROOT) . '/ApiV1' . '/function_apiv1.php'; //引用 加载$aop = new AopCertClient ();$config = Config::getInstance();$appCertPath = ''; //应用证书路径（要确保证书文件可读），$alipayCertPath = ''; //支付宝公钥证书路径（要确保证书文件可读），$rootCertPath = ''; //支付宝根证书路径（要确保证书文件可读），
//        $alipay_config = ''; //支付宝配置文件$alipay_config = $config->alipay_bank_config;$appCertPath = WY_ROOT . '/includes/aop/cert3/appCertPublicKey_2021002131640271.crt'; //"例如：/home/admin/cert/appCertPublicKey.crt";$alipayCertPath = WY_ROOT . '/includes/aop/cert3/alipayCertPublicKey_RSA2.crt'; //"例如：/home/admin/cert/alipayCertPublicKey_RSA2.crt";$rootCertPath = WY_ROOT . '/includes/aop/cert3/alipayRootCert.crt'; //"例如：/home/admin/cert/alipayRootCert.crt";$aop->gatewayUrl = 'https://openapi.alipay.com/gateway.do';
//        $aop->method='alipay.fund.trans.tobank.transfer';$aop->appId = $alipay_config['appId'];$aop->rsaPrivateKey = $alipay_config['rsaPrivateKey'];$aop->alipayrsaPublicKey = $aop->getPublicKey($alipayCertPath);$aop->apiVersion = $alipay_config['apiVersion'];$aop->signType = $alipay_config['signType'];$aop->postCharset = $alipay_config['postCharset'];$aop->format = $alipay_config['format'];$aop->isCheckAlipayPublicCert = true; //是否校验自动下载的支付宝公钥证书，如果开启校验要保证支付宝根证书在有效期内$aop->appCertSN = $aop->getCertSN($appCertPath); //调用getCertSN获取证书序列号$aop->alipayRootCertSN = $aop->getRootCertSN($rootCertPath); //调用getRootCertSN获取支付宝根证书序列号return $aop;}/*** 支付宝转账到银行卡* @param type $data    用户信息* @param type $orderId 订单号* @param type $money   订单金额* @param type $fee     手续费* @return type     $ret = array('error' => false, //是否出错'error_msg' => '' //错误信息);*/public function alipay_bank($data, $orderId, $money, $fee) {require_once dirname(WY_ROOT) . '/ApiV1' . '/function_apiv1.php'; //引用 加载$ret = array('error' => false, //是否出错'error_msg' => '' //错误信息);$pub = new ALLClass();$realmoney = $money - $fee; //实际支付 $realmoney = sprintf("%.2f", $realmoney); //精确到小数点后两位require_once WY_ROOT . '/includes/aop/request/AlipayFundTransTobankTransferRequest.php';$request = new AlipayFundTransTobankTransferRequest ();$this->aop = $this->alipay_init_bank();$payee_card_no = $data['bank_account_id']; //银行卡号$payer_real_name = ''; //付款方名称
//        $payer_real_name='';//付款方名称$payee_account_name = $data['bank_account_name']; //收款名称，$payee_inst_name = $data['position']; //收款行$bizContentObj['out_biz_no'] = $orderId; //商户端的唯一订单号，对于同一笔转账请求，商户需保证该订单号唯一。201806300001$bizContentObj['amount'] = $realmoney; // $realmoney; //订单总金额，单位为元，精确到小数点后两位，STD_RED_PACKET产品取值范围[0.01,100000000]；$bizContentObj['payer_real_name'] = $payer_real_name;$bizContentObj['payee_card_no'] = $payee_card_no;$bizContentObj['payee_account_name'] = $payee_account_name;$bizContentObj['payee_account_type'] = '2';$bizContentObj['payee_inst_name'] = $payee_inst_name;$bizContentObj['payee_inst_province'] = '';$bizContentObj['payee_inst_city'] = '';$bizContentObj['payee_inst_branch_name'] = '';$bizContentObj['payee_bank_code'] = '';$bizContentObj['time_liness'] = 'T0';$bizContentObj['memo'] = '';$bizContentObj['remark'] = '结算款'; //业务备注$pub->data_log($bizContentObj, __FUNCTION__ . '.log');$request->setNotifyUrl('https://alipay_notify_url.php');//回调地址$request->setBizContent(json_encode($bizContentObj, JSON_UNESCAPED_UNICODE));$result = $this->aop->execute($request);$pub->data_log('alipay_fund_transfer_new==' . json_encode($result, JSON_UNESCAPED_UNICODE), __FUNCTION__ . '.log');$responseNode = str_replace(".", "_", $request->getApiMethodName()) . "_response";$resultCode = $result->$responseNode->code;if (!empty($resultCode) && $resultCode == 10000) {$pub->data_log('Success', __FUNCTION__ . '.log');} else {$ret['error'] = true;$ret['error_msg'] = $result->$responseNode->sub_msg;$pub->data_log('error_msg==' . $ret['error_msg'], __FUNCTION__ . '.log');}return $ret;}/**
回调验签
*/
function check_sign(){
$postData = parameters_certification();
require_once WY_ROOT . '/includes/aop/AopCertClient.php'; //支付宝加载
$aop = new AopCertClient ();
$alipayCertPath = ''; //支付宝公钥证书路径（要确保证书文件可读），
$alipayCertPath = WY_ROOT . '/includes/aop/cert3/alipayCertPublicKey_RSA2.crt'; //"例如：/home/admin/cert/alipayCertPublicKey_RSA2.crt";
$aop->alipayrsaPublicKey = $aop->getPublicKey($alipayCertPath);
$bool=$aop->rsaCheckV1($postData, $alipayCertPath,$postData['sign_type']);
if(!$bool){die('sign error.');
}}/*** 参数验证* @param array $field      参数索引数组【'a','b'】* @param array $data       需要验证数组，不传拿$_REQUEST* @return boolean | array  不存在参数，空参数返回false，否则返回验证数组*/
function parameters_certification($field = [], $data = []) {if (empty($data)) {$data = $_REQUEST;}if (empty($field)) {return $data;}foreach ($field as $val) {if (isset($data[$val])) {if (is_array($data[$val])) {if (empty($data[$val])) {return false;} else {continue;}}if (strlen($data[$val]) > 0) {continue;} else {return false;}} else {return false;}}return $data;
}?>

回调的时候，默认签名使用的是 rsaCheckV1

暂时还没有碰到 rsaCheckV2 的，本来我以为我发送的是V2版本的签名，回调也是V2的

后面试了又试，rsaCheckV1 无疑了

支付宝的SDK无疑是很完善的，接入也方便很多

这里使用的是V2版本