微信提现（商家转账到零钱）

protected function getInstance(): \WeChatPay\BuilderChainable
{
    //自己的商户号
    $merchantId = config('site.merchant_id');
    // 从本地文件中加载「商户API私钥」，「商户API私钥」会用来生成请求的签名
    $merchantPrivateKeyFilePath = 'file://' . '填写你本地证书的地址，xxxx.pem';
    $merchantPrivateKeyInstance = Rsa::from($merchantPrivateKeyFilePath, Rsa::KEY_TYPE_PRIVATE);
    // 「商户API证书」的「证书序列号」
    $merchantCertificateSerial = config('site.serial_num');
    // 从本地文件中加载「微信支付平台证书」，用来验证微信支付应答的签名
    $platformCertificateFilePath = 'file://' . '填写你本地证书的地址，xxxx.pem';
    $platformPublicKeyInstance = Rsa::from($platformCertificateFilePath, Rsa::KEY_TYPE_PUBLIC);
    // 从「微信支付平台证书」中获取「证书序列号」
    $platformCertificateSerial = PemUtil::parseCertificateSerialNo($platformCertificateFilePath);
    // 构造一个 APIv3 客户端实例
    $instance = Builder::factory([
        'mchid' => $merchantId,
        'serial' => $merchantCertificateSerial,
        'privateKey' => $merchantPrivateKeyInstance,
        'certs' => [
            $platformCertificateSerial => $platformPublicKeyInstance,
        ],
    ]);
    // 加密敏感信息 金额超过2k才会使用加密算法 输入的真实姓名为真实的绑定微信的实名信息
    $encryptor = static function (string $msg) use ($platformPublicKeyInstance): string {
        return \WeChatPay\Crypto\Rsa::encrypt($msg, $platformPublicKeyInstance);
    };
    return $instance;
}

public function wxTransfer($params, $openid)
{
    //传进来的是业务数据，数组类型 请自行修改
    //(该接口不会返回分账成功或者失败，只会返回调用结果是否成功，若想查看是否转账成功，请使用本代码getWithdrawResult)
    $instance = $this->getInstance();
    // 商家转账到零钱
    $response = $instance
        ->chain('v3/transfer/batches')
        ->post(['json' => [
            'appid' => config('site.user_appid'),
            'out_batch_no' => 'jrt' . $params['order_num'], //商户系统内部的商家批次单号，要求此参数只能由数字、大小写字母组成，在商户系统内部唯一,
            'batch_name' => date('Y-m', time()) . ' - 提现', //该笔批量转账的名称
            'batch_remark' => $params['name'] . "-" . $params['memo'], //转账说明，UTF8编码，最多允许32个字符
            'total_amount' => (int)intval(strval($params['money'] * 100)), //转账总金额 单位为“分”
            'total_num' => 1,
            'transfer_detail_list' => [
                [
                    'out_detail_no' => $params['order_num'],
                    'transfer_amount' => intval(strval($params['money'] * 100)),
                    'transfer_remark' => $params['name'] . "-" . $params['memo'],
                    'openid' => $openid,
                    //'user_name' => $encryptor($params['name']) // 金额超过`2000`才填写
                ]
            ]
        ]]);
    return $response;
}

查询转账结果==通过商家明细查看明细单号：

public function getWithdrawResult($withdrawOrderData)
{
    $instance = $this->getInstance();
    //out_detail_no == 商家明细单号 == 申请转账的时候传的这个== item2--转账接口传了
    //out_batch_no == 商家批次单号 == 申请转账的时候也传了==item1--转账接口传了
    // 示例 https://api.mch.weixin.qq.com/v3/transfer/batches/out-batch-no/x23zy545Bd5436/details/out-detail-no/plfk2020042013
    $resp = $instance->v3->transfer->batches->outBatchNo->_item1_->details->outDetailNo->_item2_->get([
        // 变量名 => 变量值
        'item1' => 'xrzk' . $withdrawOrderData->order_num,
        'item2' => $withdrawOrderData->order_num,
    ]);

    $result = json_decode($resp->getBody(), true);
    //失败原因处理
    if ($result['detail_status'] == 'FAIL') {
        $result['fail_reason'] = $this->reasonList($result['fail_reason']);
    }
}

public function reasonList($value)
{
    $list = [
        'ACCOUNT_FROZEN' => '账户冻结',
        'REAL_NAME_CHECK_FAIL' => '用户未实名',
        'NAME_NOT_CORRECT' => '用户姓名校验失败',
        'OPENID_INVALID' => 'Openid校验失败',
        'TRANSFER_QUOTA_EXCEED' => '超过用户单笔收款额度',
        'DAY_RECEIVED_QUOTA_EXCEED' => '超过用户单日收款额度',
        'MONTH_RECEIVED_QUOTA_EXCEED' => '超过用户单月收款额度',
        'DAY_RECEIVED_COUNT_EXCEED' => '超过用户单日收款次数',
        'PRODUCT_AUTH_CHECK_FAIL' => '产品权限校验失败',
        'OVERDUE_CLOSE' => '转账关闭',
        'ID_CARD_NOT_CORRECT' => '用户身份证校验失败',
        'ACCOUNT_NOT_EXIST' => '用户账户不存在',
        'TRANSFER_RISK' => '转账存在风险',
        'REALNAME_ACCOUNT_RECEIVED_QUOTA_EXCEED' => '用户账户收款受限，请引导用户在微信支付查看详情',
        'RECEIVE_ACCOUNT_NOT_PERMMIT' => '未配置该用户为转账收款人',
        'PAYER_ACCOUNT_ABNORMAL' => '商户账户付款受限，可前往商户平台-违约记录获取解除功能限制指引',
        'PAYEE_ACCOUNT_ABNORMAL' => '用户账户收款异常，请引导用户完善其在微信支付的身份信息以继续收款',
        'TRANSFER_REMARK_SET_FAIL' => '转账备注设置失败，请调整对应文案后重新再试',
    ];
    return isset($list[$value]) ? $list[$value] : '未知错误，请去 微信商户中心 - 交易中心 - 商家转账到零钱 - 查询具体原因';
}