微信商家转账常见的一些问题汇总(附Java调用示例)

package co.yixiang.modules.transferToUser.utils;

import com.google.gson.annotations.SerializedName;
import lombok.Data;
import okhttp3.*;

import java.io.IOException;
import java.io.UncheckedIOException;
import java.security.PrivateKey;
import java.util.ArrayList;
import java.util.List;

/**
 * 发起转账
 */
public class TransferToUser {
    private static String HOST = "https://api.mch.weixin.qq.com";
    private static String METHOD = "POST";
    private static String PATH = "/v3/fund-app/mch-transfer/transfer-bills";

    public static void main(String[] args) {
        // TODO: 请准备商户开发必要参数，参考：https://pay.weixin.qq.com/doc/v3/merchant/4013070756
        TransferToUser client = new TransferToUser(
                "12321321",                    // 商户号，是由微信支付系统生成并分配给每个商户的唯一标识符，商户号获取方式参考 https://pay.weixin.qq.com/doc/v3/merchant/4013070756
                "12321321321321312",         // 商户API证书序列号，如何获取请参考 https://pay.weixin.qq.com/doc/v3/merchant/4013053053
                "E:\\Java_project_self\privateKey.pem"     // 商户API证书私钥文件路径，本地文件路径
        );

        TransferToUserRequest request = new TransferToUserRequest();
        request.appid = "wx213123213";
        request.outBillNo = "plfk212DS" + System.currentTimeMillis();
        request.transferSceneId = "1005";
        request.openid = "21321321321213";
        request.transferAmount = 10L;
        request.transferRemark = "佣金提现到账";
        request.notifyUrl = "https://www.weixin.qq.com/wxpay/pay.php";

        List<TransferSceneReportInfo> list = new ArrayList<>();

        TransferSceneReportInfo info1 = new TransferSceneReportInfo();
        info1.infoType = "岗位类型";
        info1.infoContent = "分享有礼";
        list.add(info1);

        TransferSceneReportInfo info2 = new TransferSceneReportInfo();
        info2.infoType = "报酬说明";
        info2.infoContent = "用户推广获得佣金";
        list.add(info2);

        request.userRecvPerception = "劳务报酬";
        request.transferSceneReportInfos = list;

        try {
            TransferToUserResponse response = client.run(request);
            // TODO: 请求成功，继续业务逻辑
            System.out.println(response);
        } catch (Exception e) {
            // TODO: 请求失败，根据状态码执行不同的逻辑
            e.printStackTrace();
        }
    }

    public TransferToUserResponse run(TransferToUserRequest request) {
        String uri = PATH;
        String reqBody = WXPayUtility.toJson(request);

        Request.Builder reqBuilder = new Request.Builder().url(HOST + uri);
        reqBuilder.addHeader("Accept", "application/json");

        reqBuilder.addHeader("Authorization", WXPayUtility.buildAuthorization(mchid, certificateSerialNo, privateKey, METHOD, uri, reqBody));
        reqBuilder.addHeader("Content-Type", "application/json");
        RequestBody requestBody = RequestBody.create(MediaType.parse("application/json; charset=utf-8"), reqBody);
        reqBuilder.method(METHOD, requestBody);
        Request httpRequest = reqBuilder.build();

        // 发送HTTP请求
        OkHttpClient client = new OkHttpClient.Builder().build();
        try (Response httpResponse = client.newCall(httpRequest).execute()) {
            String respBody = WXPayUtility.extractBody(httpResponse);
            if (httpResponse.code() >= 200 && httpResponse.code() < 300) {
                // 2XX 成功，验证应答签名
//                WXPayUtility.validateResponse(this.wechatPayPublicKeyId, this.wechatPayPublicKey,
//                        httpResponse.headers(), respBody);

                // 从HTTP应答报文构建返回数据
                return WXPayUtility.fromJson(respBody, TransferToUserResponse.class);
            } else {
                throw new WXPayUtility.ApiException(httpResponse.code(), respBody, httpResponse.headers());
            }
        } catch (IOException e) {
            throw new UncheckedIOException("Sending request to " + uri + " failed.", e);
        }
    }

    private final String mchid;
    private final String certificateSerialNo;
    private final PrivateKey privateKey;

    public TransferToUser(String mchid, String certificateSerialNo, String privateKeyFilePath) {
        this.mchid = mchid;
        this.certificateSerialNo = certificateSerialNo;
        this.privateKey = WXPayUtility.loadPrivateKeyFromPath(privateKeyFilePath);
    }

    @Data
    public static class TransferToUserRequest {
        @SerializedName("appid")
        public String appid;

        @SerializedName("out_bill_no")
        public String outBillNo;

        @SerializedName("transfer_scene_id")
        public String transferSceneId;

        @SerializedName("openid")
        public String openid;

        @SerializedName("user_name")
        public String userName;

        @SerializedName("transfer_amount")
        public Long transferAmount;

        @SerializedName("transfer_remark")
        public String transferRemark;

        @SerializedName("notify_url")
        public String notifyUrl;

        @SerializedName("user_recv_perception")
        public String userRecvPerception;

        @SerializedName("transfer_scene_report_infos")
        public List<TransferSceneReportInfo> transferSceneReportInfos = new ArrayList<TransferSceneReportInfo>();
    }

    @Data
    public static class TransferToUserResponse {
        @SerializedName("out_bill_no")
        public String outBillNo;

        @SerializedName("transfer_bill_no")
        public String transferBillNo;

        @SerializedName("create_time")
        public String createTime;

        @SerializedName("state")
        public TransferBillStatus state;

        @SerializedName("package_info")
        public String packageInfo;
    }

    @Data
    public static class TransferSceneReportInfo {
        @SerializedName("info_type")
        public String infoType;

        @SerializedName("info_content")
        public String infoContent;
    }

    public enum TransferBillStatus {
        @SerializedName("ACCEPTED")
        ACCEPTED,
        @SerializedName("PROCESSING")
        PROCESSING,
        @SerializedName("WAIT_USER_CONFIRM")
        WAIT_USER_CONFIRM,
        @SerializedName("TRANSFERING")
        TRANSFERING,
        @SerializedName("SUCCESS")
        SUCCESS,
        @SerializedName("FAIL")
        FAIL,
        @SerializedName("CANCELING")
        CANCELING,
        @SerializedName("CANCELLED")
        CANCELLED
    }

}