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Detailed explanation of credit card payment examples for WeChat payment development

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Release： 2018-05-12 10:32:23
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This article introduces the development process of card payment under WeChat payment. WeChat card payment refers to the payment process in which the user opens the card swiping interface of WeChat wallet, and the merchant scans the QR code and submits the payment to complete the payment.

微信支付开发(7) 刷卡支付0微信支付开发(7) 刷卡支付1

1. Card payment API

Interface address

api.mch.weixin.qq.com/pay/micropay
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Is a certificate required?

No.

Input parameters

Name variable name required type example value description







public account IDappid is String(32)wx8888888888888888 The public account ID assigned by WeChat (corpid is the This appId)
merchant numbermch_id is String(32)1900000109Merchant number assigned by WeChat payment
Device numberdevice_infoNoString(32)013467007045764Terminal device number (customized by the merchant, such as store number)
Random stringnonce_strisString(32)5K8264ILTKCH16CQ2502SI8ZNMTM67VSRandom string, no longer than 32 bits. The recommended random number generation algorithm
signaturesign isString(32)C380BEC2BFD727A4B6845133519F3AD6Signature, see signature generation algorithm for details
Product descriptionbody isString(128) image image store-Shenzhen Tengda-QQ dollA brief description of the product, this field must be passed strictly in accordance with the specifications, for details, please see the parameter regulations
Product detailsdetailNoString(6000)
{
"goods_detail":[
{
"goods_id":"iphone6s_16G",
"wxpay_goods_id":"1001",
"goods_name":"iPhone6s 16G",
"goods_num":1,
"price":528800,
"goods_category":"123456",
"body":"苹果手机"
},
{
"goods_id":"iphone6s_32G",
"wxpay_goods_id":"1002",
"goods_name":"iPhone6s 32G",
"quantity":1,
"price":608800,
"goods_category":"123789",
"body":"苹果手机"
}
]
}
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Product detailed list, using Json format , please be sure to use the CDATA tag to protect the JSON text string before transmitting the signature.

goods_detail []：
└ goods_id String Required 32 Product number
└ wxpay_goods_id String Optional 32 Unified product number defined by WeChat payment
└ goods_name String Required 256 Product name
└ goods_num Int Required product quantity
└ price Int Required product unit price, unit is cent
└ goods_category String Optional 32 Product category ID
└ body String Optional 1000 Product description information

Additional dataattachNoString(127)DescriptionAdditional data, returned as is in the query API and payment notification, this field is mainly used for merchants to carry custom data for orders
Merchant order numberout_trade_no is String(32)1217752501201407033233368018 The order number within the merchant system, within 32 characters, can contain letters. For other instructions, see the merchant order No.
Product detailsdetailNoString(8192)is consistent with the submitted data

The actual submitted return

order amounttotal_feeisInt 888Total order amount, unit is cents, can only be an integer, see payment amount
Currency type fee_typeNoString(16)CNY is a three-letter code that conforms to the ISO4217 standard. The default is RMB: CNY. For a list of other values, see Currency Type
Terminal IPspbill_create_ip isString(16)8.8.8.8Machine IP calling WeChat payment API
Goods taggoods_tagNoString(32) Product tags, parameters of voucher or instant discount function, please refer to voucher or instant discount discount for details
Specified payment methodlimit_payNoString(32)no_creditno_credit--Specify that credit card payment cannot be used
Authorization codeauth_code isString(128)120061098828009406Scan the QR code to pay the authorization code , the device reads the barcode or QR code information in the user's WeChat

Examples are as follows: 

<xml>
   <appid>wx2421b1c4370ec43b</appid>
   <attach>订单额外描述</attach>
   <auth_code>120269300684844649</auth_code>
   <body>刷卡支付测试</body>
   <device_info>1000</device_info>
   <goods_tag></goods_tag>
   <mch_id>10000100</mch_id>
   <nonce_str>8aaee146b1dee7cec9100add9b96cbe2</nonce_str>
   <out_trade_no>1415757673</out_trade_no>
   <spbill_create_ip>14.17.22.52</spbill_create_ip>
   <time_expire></time_expire>
   <total_fee>1</total_fee>
   <sign>C29DB7DB1FD4136B84AE35604756362C</sign>
</xml>
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Note: Parameter values ​​can be escaped with XML, The CDATA tag is used to indicate that the data is not parsed by the XML parser.

Return results

Name variable name required type example value description

#Return Status Codereturn_code isString(16)SUCCESSSUCCESS/FAIL Return informationreturn_msgNoString(128) Signature failedReturn information, if not empty, is the error reason

当return_code为SUCCESS的时候，还会包括以下字段：

名称 变量名 必填 类型 示例值 描述







This field is the communication identification. Non-transaction identifier. You need to check the result_code to determine whether the transaction is successful.
Signature failed
Parameter format verification error






公众账号IDappid是String(32)wx8888888888888888调用接口提交的公众账号ID
商户号mch_id是String(32)1900000109调用接口提交的商户号
设备号device_info否String(32)013467007045764调用接口提交的终端设备号，
随机字符串nonce_str是String(32)5K8264ILTKCH16CQ2502SI8ZNMTM67VS微信返回的随机字符串
签名sign是String(32)C380BEC2BFD727A4B6845133519F3AD6微信返回的签名，详见签名生成算法
业务结果result_code是String(16)SUCCESSSUCCESS/FAIL
错误代码err_code否String(32)SYSTEMERROR详细参见错误列表
错误代码描述err_code_des否String(128)系统错误错误返回的信息描述

当return_code 和result_code都为SUCCESS的时，还会包括以下字段：

名称 变量名 必填 类型 示例值 描述







用户标识openid是String(128)Y用户在商户appid 下的唯一标识
是否关注公众账号is_subscribe是String(1)Y用户是否关注公众账号，仅在公众账号类型支付有效，取值范围：Y或N;Y-关注;N-未关注
交易类型trade_type是String(16)MICROPAY支付类型为MICROPAY(即扫码支付)
付款银行bank_type是String(16)CMC银行类型，采用字符串类型的银行标识，值列表详见银行类型
货币类型fee_type否String(16)CNY符合ISO 4217标准的三位字母代码，默认人民币：CNY，其他值列表详见货币类型
订单金额total_fee是Int888订单总金额，单位为分，只能为整数，详见支付金额
现金支付货币类型cash_fee_type否String(16)CNY符合ISO 4217标准的三位字母代码，默认人民币：CNY，其他值列表详见货币类型
现金支付金额cash_fee是Int100订单现金支付金额，详见支付金额
微信支付订单号transaction_id是String(32)1217752501201407033233368018微信支付订单号
商户订单号out_trade_no是String(32)1217752501201407033233368018商户系统的订单号，与请求一致。
商家数据包attach否String(128)123456商家数据包，原样返回
支付完成时间time_end是String(14)20141030133525订单生成时间，格式为yyyyMMddHHmmss，如2009年12月25日9点10分10秒表示为20091225091010。详见时间规则

举例如下：

<xml>
   <return_code><![CDATA[SUCCESS]]></return_code>
   <return_msg><![CDATA[OK]]></return_msg>
   <appid><![CDATA[wx2421b1c4370ec43b]]></appid>
   <mch_id><![CDATA[10000100]]></mch_id>
   <device_info><![CDATA[1000]]></device_info>
   <nonce_str><![CDATA[GOp3TRyMXzbMlkun]]></nonce_str>
   <sign><![CDATA[D6C76CB785F07992CDE05494BB7DF7FD]]></sign>
   <result_code><![CDATA[SUCCESS]]></result_code>
   <openid><![CDATA[oUpF8uN95-Ptaags6E_roPHg7AG0]]></openid>
   <is_subscribe><![CDATA[Y]]></is_subscribe>
   <trade_type><![CDATA[MICROPAY]]></trade_type>
   <bank_type><![CDATA[CCB_DEBIT]]></bank_type>
   <total_fee>1</total_fee>
   <coupon_fee>0</coupon_fee>
   <fee_type><![CDATA[CNY]]></fee_type>
   <transaction_id><![CDATA[1008450740201411110005820873]]></transaction_id>
   <out_trade_no><![CDATA[1415757673]]></out_trade_no>
   <attach><![CDATA[订单额外描述]]></attach>
   <time_end><![CDATA[20141111170043]]></time_end>
</xml>
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二、刷卡支付类实现

在微信支付原来的微信支付类文件中，仿照统一支付类的方式，添加刷卡支付类如下：

/**
 * 刷卡支付接口类
 */
class MicroPay_pub extends Wxpay_client_pub
{    
    function __construct() 
    {
        //设置接口链接
        $this->url = "https://api.mch.weixin.qq.com/pay/micropay";
        //设置curl超时时间
        $this->curl_timeout = WxPayConf_pub::CURL_TIMEOUT;
    }
    
    /**
     * 生成接口参数xml
     */
    function createXml()
    {
        try
        {
            //检测必填参数
            if($this->parameters["out_trade_no"] == null){
                throw new SDKRuntimeException("缺少统一支付接口必填参数out_trade_no！"."<br>");
            }elseif($this->parameters["body"] == null){
                throw new SDKRuntimeException("缺少统一支付接口必填参数body！"."<br>");
            }elseif ($this->parameters["total_fee"] == null ) {
                throw new SDKRuntimeException("缺少统一支付接口必填参数total_fee！"."<br>");
            }elseif ($this->parameters["auth_code"] == null) {
                throw new SDKRuntimeException("缺少统一支付接口必填参数auth_code！"."<br>");
            }
               $this->parameters["appid"] = WxPayConf_pub::APPID;//公众账号ID
               $this->parameters["mch_id"] = WxPayConf_pub::MCHID;//商户号
               $this->parameters["spbill_create_ip"] = $_SERVER[&#39;REMOTE_ADDR&#39;];//终端ip        
            $this->parameters["nonce_str"] = $this->createNoncestr();//随机字符串
            $this->parameters["sign"] = $this->getSign($this->parameters);//签名
            // var_dump($this->parameters);
            return  $this->arrayToXml($this->parameters);
        }catch (SDKRuntimeException $e)
        {
            die($e->errorMessage());
        }
    }
}
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原有的基础类和请求类也列出如下：

/**
 * 所有接口的基类
 */
class Common_util_pub
{
    function __construct() {
    }

    function trimString($value)
    {
        $ret = null;
        if (null != $value) 
        {
            $ret = $value;
            if (strlen($ret) == 0) 
            {
                $ret = null;
            }
        }
        return $ret;
    }
    
    /**
     *     作用：产生随机字符串，不长于32位
     */
    public function createNoncestr( $length = 32 ) 
    {
        $chars = "abcdefghijklmnopqrstuvwxyz0123456789";  
        $str ="";
        for ( $i = 0; $i < $length; $i++ )  {  
            $str.= substr($chars, mt_rand(0, strlen($chars)-1), 1);  
        }  
        return $str;
    }
    
    /**
     *     作用：格式化参数，签名过程需要使用
     */
    function formatBizQueryParaMap($paraMap, $urlencode)
    {
        $buff = "";
        ksort($paraMap);
        foreach ($paraMap as $k => $v)
        {
            if($urlencode)
            {
               $v = urlencode($v);
            }
            //$buff .= strtolower($k) . "=" . $v . "&";
            $buff .= $k . "=" . $v . "&";
        }
        $reqPar;
        if (strlen($buff) > 0) 
        {
            $reqPar = substr($buff, 0, strlen($buff)-1);
        }
        return $reqPar;
    }
    
    /**
     *     作用：生成签名
     */
    public function getSign($Obj)
    {
        foreach ($Obj as $k => $v)
        {
            $Parameters[$k] = $v;
        }
        //签名步骤一：按字典序排序参数
        ksort($Parameters);
        $String = $this->formatBizQueryParaMap($Parameters, false);
        //echo &#39;【string1】&#39;.$String.&#39;</br>&#39;;
        //签名步骤二：在string后加入KEY
        $String = $String."&key=".WxPayConf_pub::KEY;
        //echo "【string2】".$String."</br>";
        //签名步骤三：MD5加密
        $String = md5($String);
        //echo "【string3】 ".$String."</br>";
        //签名步骤四：所有字符转为大写
        $result_ = strtoupper($String);
        //echo "【result】 ".$result_."</br>";
        return $result_;
    }
    
    /**
     *     作用：array转xml
     */
    function arrayToXml($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; 
    }
    
    /**
     *     作用：将xml转为array
     */
    public function xmlToArray($xml)
    {        
        //将XML转为array        
        $array_data = json_decode(json_encode(simplexml_load_string($xml, &#39;SimpleXMLElement&#39;, LIBXML_NOCDATA)), true);        
        return $array_data;
    }

    /**
     *     作用：以post方式提交xml到对应的接口url
     */
    public function postXmlCurl($xml,$url,$second=30)
    {        
        //初始化curl        
           $ch = curl_init();
        //设置超时
        curl_setopt($ch, CURLOP_TIMEOUT, $second);
        //这里设置代理，如果有的话
        //curl_setopt($ch,CURLOPT_PROXY, &#39;8.8.8.8&#39;);
        //curl_setopt($ch,CURLOPT_PROXYPORT, 8080);
        curl_setopt($ch,CURLOPT_URL, $url);
        curl_setopt($ch,CURLOPT_SSL_VERIFYPEER,FALSE);
        curl_setopt($ch,CURLOPT_SSL_VERIFYHOST,FALSE);
        //设置header
        curl_setopt($ch, CURLOPT_HEADER, FALSE);
        //要求结果为字符串且输出到屏幕上
        curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
        //post提交方式
        curl_setopt($ch, CURLOPT_POST, TRUE);
        curl_setopt($ch, CURLOPT_POSTFIELDS, $xml);
        //运行curl
        $data = curl_exec($ch);
        curl_close($ch);
        //返回结果
        if($data)
        {
            curl_close($ch);
            return $data;
        }
        else 
        { 
            $error = curl_errno($ch);
            echo "curl出错，错误码:$error"."<br>"; 
            echo "<a href=&#39;http://curl.haxx.se/libcurl/c/libcurl-errors.html&#39;>错误原因查询</a></br>";
            curl_close($ch);
            return false;
        }
    }

    /**
     *     作用：使用证书，以post方式提交xml到对应的接口url
     */
    function postXmlSSLCurl($xml,$url,$second=30)
    {
        $ch = curl_init();
        //超时时间
        curl_setopt($ch,CURLOPT_TIMEOUT,$second);
        //这里设置代理，如果有的话
        //curl_setopt($ch,CURLOPT_PROXY, &#39;8.8.8.8&#39;);
        //curl_setopt($ch,CURLOPT_PROXYPORT, 8080);
        curl_setopt($ch,CURLOPT_URL, $url);
        curl_setopt($ch,CURLOPT_SSL_VERIFYPEER,FALSE);
        curl_setopt($ch,CURLOPT_SSL_VERIFYHOST,FALSE);
        //设置header
        curl_setopt($ch,CURLOPT_HEADER,FALSE);
        //要求结果为字符串且输出到屏幕上
        curl_setopt($ch,CURLOPT_RETURNTRANSFER,TRUE);
        //设置证书
        //使用证书：cert 与 key 分别属于两个.pem文件
        //默认格式为PEM，可以注释
        curl_setopt($ch,CURLOPT_SSLCERTTYPE,&#39;PEM&#39;);
        curl_setopt($ch,CURLOPT_SSLCERT, dirname(__FILE__).WxPayConf_pub::SSLCERT_PATH);
        //默认格式为PEM，可以注释
        curl_setopt($ch,CURLOPT_SSLKEYTYPE,&#39;PEM&#39;);
        curl_setopt($ch,CURLOPT_SSLKEY, dirname(__FILE__).WxPayConf_pub::SSLKEY_PATH);
        //post提交方式
        curl_setopt($ch,CURLOPT_POST, true);
        curl_setopt($ch,CURLOPT_POSTFIELDS,$xml);
        $data = curl_exec($ch);
        //返回结果
        if($data){
            curl_close($ch);
            return $data;
        }
        else { 
            $error = curl_errno($ch);
            echo "curl出错，错误码:$error"."<br>"; 
            echo "<a href=&#39;http://curl.haxx.se/libcurl/c/libcurl-errors.html&#39;>错误原因查询</a></br>";
            curl_close($ch);
            return false;
        }
    }
    
    /**
     *     作用：打印数组
     */
    function printErr($wording=&#39;&#39;,$err=&#39;&#39;)
    {
        print_r(&#39;<pre class="brush:php;toolbar:false">&#39;);
        echo $wording."</br>";
        var_dump($err);
        print_r(&#39;
'); } } /** * 请求型接口的基类 */ class Wxpay_client_pub extends Common_util_pub { var $parameters;//请求参数，类型为关联数组 public $response;//微信返回的响应 public $result;//返回参数，类型为关联数组 var $url;//接口链接 var $curl_timeout;//curl超时时间 /** * 作用：设置请求参数 */ function setParameter($parameter, $parameterValue) { $this->parameters[$this->trimString($parameter)] = $this->trimString($parameterValue); } /** * 作用：设置标配的请求参数，生成签名，生成接口参数xml */ function createXml() { $this->parameters["appid"] = WxPayConf_pub::APPID;//公众账号ID $this->parameters["mch_id"] = WxPayConf_pub::MCHID;//商户号 $this->parameters["nonce_str"] = $this->createNoncestr();//随机字符串 $this->parameters["sign"] = $this->getSign($this->parameters);//签名 return $this->arrayToXml($this->parameters); } /** * 作用：post请求xml */ function postXml() { $xml = $this->createXml(); $this->response = $this->postXmlCurl($xml,$this->url,$this->curl_timeout); return $this->response; } /** * 作用：使用证书post请求xml */ function postXmlSSL() { $xml = $this->createXml(); $this->response = $this->postXmlSSLCurl($xml,$this->url,$this->curl_timeout); return $this->response; } /** * 作用：获取结果，默认不使用证书 */ function getResult() { $this->postXml(); $this->result = $this->xmlToArray($this->response); return $this->result; } }
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三、发起支付

在程序中，获得用户的授权码，并填入到$authcode参数中。授权码就是条码上的那一串18位纯数字，以10、11、12、13、14、15开头

其他参数则自动生成或者手动输入指定。

调用函数如下所示

        //全局引入微信支付类
        Vendor(&#39;Wxpay.WxPayPubHelper.WxPayPubHelper&#39;);
        //使用统一支付接口
        $microPay = new \MicroPay_pub();
        //设置统一支付接口参数
        $microPay->setParameter("body","方倍商户刷卡支付");//商品描述
        $microPay->setParameter("out_trade_no", "$out_trade_no");//商户订单号 
        $microPay->setParameter("total_fee", $total_fee);//总金额  
        $microPay->setParameter("auth_code", $authcode);//授权码

        //获取统一支付接口结果
        $microPayResult = $microPay->getResult();

        //3. 异常判断
        if (!isset($microPayResult["result_code"]) || ($microPayResult["result_code"] == "FAIL")) {
            $this->resRpcError(isset($microPayResult[&#39;result_code&#39;]) ? $microPayResult[&#39;err_code_des&#39;] : $microPayResult[&#39;return_msg&#39;], "21000");
        }
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【相关推荐】

1. 微信公众号平台源码下载

2. 分享微信公众号开发刷卡支付的实例教程

3. 微信开发之微信支付

4. 详解微信小程序支付功能开发错误总结

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Related labels：
支付开发，刷卡支付
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