开发指引

更新时间:2024.11.29

1. 接口规则

为了在保证支付安全的前提下,带给商户简单、一致且易用的开发体验,我们推出了全新的微信支付APIv3接口。该版本API的具体规则请参考APIv3接口规则

2. 开发准备

2.1. 搭建和配置开发环境

开发者应当依据自身的编程语言来构建并配置相应的开发环境。

3. 快速接入

3.1. 业务流程图

业务流程时序图

申请单状态变化如下

重点步骤说明:

步骤3 商户入驻,服务商收集商户资料后,调用提交申请单接口,提交创建入驻申请单。

步骤5 创建申请单后,可通过查询申请单状态接口,获取特约商户签约链接,让商户扫码确认联系信息,后续申请单进度可通过公众号自动通知超级管理员(简称超管)。

步骤10 进件成功后,若特约商户需修改结算账号时,服务商可调用修改结算账号接口来帮助特约商户修改结算信息,修改后通过状态码判断是否修改成功。也可通过调用查询结算账号接口来查询核查结算账号信息。

3.2. API接入(含示例代码)

文档展示了如何使用微信支付服务端 SDK 快速接入支付有礼,完成与微信支付对接的部分。

注意

  • 文档中的代码示例是用来阐述 API 基本使用方法,代码中的示例参数需替换成商户自己账号及请求参数才能跑通

  • 以下接入步骤仅提供参考,请商户结合自身业务需求进行评估、修改。

3.2.1. 【服务端】提交申请单

步骤说明:服务商收集商户资料后,调用提交申请单接口,提交创建入驻申请单。

JAVA

1public void ApplymentSubMch() throws Exception {
2    //请求URL
3    HttpPost httpPost = new HttpPost("https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/");
4    // 请求body参数
5    String reqdata = "{"
6            + "\"business_info\": {"
7            + "\"merchant_shortname\":\"上海XXX有限公司\","
8            + "\"service_phone\":\"139XXXX\","
9            + "\"sales_info\": {"
10            + "\"mini_program_info\": {"
11            + "\"mini_program_pics\": ["
12            + "\"0\":\"F8O5MNAOlYZyxZcLnWXkyk72coZ3CVX3XobPZng-xepKPTrcH_XMfrGGYLi1XFogMG9P25LSUX6gjXU5iPI74YqiRUDfORyw2d76wK3vzuQ\""
13            + "],"
14            + "\"mini_program_sub_appid\":\"wx76c3f74c108876c2\""
15            + "},"
16            + "\"mp_info\": {"
17            + "\"mp_pics\": ["
18            + "\"0\":\"F8O5MNAOlYZyxZcLnWXkys5TBxf0dyfesnyfNuquBMArHRfgCq8hDRdscDpblCcEgvgV5MkVch9IBEX7aatZCmI8k5Wdb_M8a4bYcmlg6V8\""
19            + "],"
20            + "\"mp_sub_appid\":\"wx85c88c63bd22651f\""
21            + "},"
22            + "\"sales_scenes_type\": ["
23            + "\"0\":\"SALES_SCENES_MP\","
24            + "\"1\":\"SALES_SCENES_MINI_PROGRAM\""
25            + "]"
26            + "}"
27            + "},"
28            + "\"subject_info\": {"
29            + "\"business_license_info\": {"
30            + "\"legal_person\":\"江XX\","
31            + "\"license_copy\":\"F8O5MNAOlYZyxZcLnWXkysZ5xo8fE3SHJ1pHUe6OJKmNIWtqUVyv4aY2-JLTgjDOSovWaKkBu3AbkjGuQXhesDzREu2pT_Yf_hxlFKPJMwQ\","
32            + "\"merchant_name\":\"上海XXX有限公司\","
33            + "\"license_number\":\"91310118MA1JXXXX\""
34            + "},"
35            + "\"subject_type\":\"SUBJECT_TYPE_ENTERPRISE\","
36            + "\"identity_info\": {"
37            + "\"owner\":true,"
38            + "\"id_doc_type\":\"IDENTIFICATION_TYPE_IDCARD\","
39            + "\"id_card_info\": {"
40            + "\"id_card_copy\":\"F8O5MNAOlYZyxZcLnWXkyvLpqoz7MNRULxju0NqUCtLGBl_vm8Bhj9uAyuLyDART9UsA10spF9gbT3DEoM85HxPQOhMuilK0zLtOxAjPx58\","
41            + "\"card_period_end\":\"2035-12-28\","
42            + "\"card_period_begin\":\"2015-12-28\","
43            + "\"id_card_name\":\"JRMJGA7B7oSVS+krFeaQn4AvYZE2LL9tTwA+XXa9lYJU4AhS+Qheb7fhgo+D+hfa0v+ykU1BVvVo7NpCfgOYQqmYDyYF27Q/p4hB7IoqZLhJUE+hTG45VNoa9ASaKG79Hg+eGz4YTIHFGMFm1ljyg4fd5lGJixCqn38/gCfwm5x6vDOMVkFpqbUdR7klQwReGoG7iSlEpr4gZPqzItcBHiuXidMToKZTX1Lol1Lx52DHk0blcdh1CMRhv+wxQzF0lJMy/WtVyjKuB8daDbLJKTEwDx5KfkTZGHmGiaJnWY0qFX03sXsufvfB0Wj6Z37+nJnV16fplPmdr1/KEHamLw==\","
44            + "\"id_card_national\":\"F8O5MNAOlYZyxZcLnWXkyvcmQrkBXCIo2vZGUoM6ER-skL5k6IOhzeJ34tNNUggQIPfJbM_pzdg9jM4pQbkIm84_bKfi2JKNn99xIurNgwI\","
45            + "\"id_card_number\":\"V0quwnIu/PLbdQQ3/nzMqjvHtChDqed4Jpc3Iy2lgnFoWVNXguRWBHMYKHaLgLvnxLvO6TciMnrSw13QzUJD4ZnEIiks8gGTd+OCzl5Jl3F+sneQ+Js4akBnCSBQso/SERvi6vUqCeRhX1vtiFsmKtqlL8r/ssrFev4FoJEka5gGME1osTgcpMMTIR8rolIO1oXbl3e8z5RDics5xKH2Ogjzis73yq9M18ap0uRRdLWoX/cxeG3tbU1bi5jZsAU9hGHXs4BKTaHfrslsKIkqXR0f2Jpk7H5qtwAyP8glcALN7gB5DIOmBEIZ5zx2PrDm38CsZHstu0hF8beXV/PG2w==\""
46            + "}"
47            + "}"
48            + "},"
49            + "\"business_code\":\"20201126100507000003\","
50            + "\"contact_info\": {"
51            + "\"contact_name\":\"AD2jwe8eYFYfeoSmBpyRYUawyQgQkUoAajOlHnQM/JzproDF7hikLDouMr5Mb1W5otvdJZYEipG0HzwLpG9NXbqP6SXSpzQFb8fY5cpuXZsIbDy70lAybF0bbxJiJw1PHSd7KpMbu0XHqwlicePLUOw7HCNV6euQsKEvtusiWsaVrNNdKXpj3ONhyAg2ws4ibc56GUVoNll3osmGLPi6/bIn3pD6sjNThgPE9UzRQax0XPwgIpafIewQiVy0GNtv5P33wqPa9pAsdEmaLXNtQr2Ddjw5SYMInen1qbVO8NP0VhuWmYiAjd1WbkNnR+gbwsilBCYYeRuFbKfqatASnA==\","
52            + "\"mobile_phone\":\"GLc5+TuqJbxLeQO+CrKeDWF+7lZq9IsidIU4zcMpus4qsE8r1qNyvVMjrZfWLrjOItiQhXqkiKZs0B4M0UWAviWwmBhNWW0BJrauBjZbGZU+pLHC/2eOetdDC4sQqHN7Xw0N4tizqeQNu49n+DbSiv0TL09EcmNUUV9rImfjpVyo77MxKhPvdg3ODwS+IVvY2Tc9q11iBgaPIQ+XwoBaJGth1wdw0GLgEFUmX02TWxjHxq7f5O1RU3LjBlt1O+56ZZYpA+zr+IjQ/TwrIDp+4nk9v1oW2wtHuwrdqKrlLyJ1/zdoqwSddLuGxp8PwSM8CKobQP8TXhJu0S9pwLbNyg==\","
53            + "\"contact_id_number\":\"iC35X6SaOx4A4BEJ4fmM2oOkYRO5rEzRh2QRdrxFD3+HwmNjxddsm1LoqfhSiV34DAO2x3Ded3q2c1LJ7NHqa3/IGCDss4FKlgIyiu5AmzQTTYwsobmvVFxeSUXA4PnH/tUTfatJOuj+9Emt7fmnpO9uWeCLIn5CXaaABrXpO4mUu8qPBaoF2jTfbwBm6QiYX58kATyRrIvBRs6VorHJydXkz3P1hCejh8sAYoJXlNHnoajI+NEwiWX9RhwUadYLbMwww68cc7Yzehp3s6an0NWuC76Y4e7FQ/i5D9ZpUvLKUoYfFsZMnHrv/PhLxmv5l8gQs9/IkmOdYfRujKZJwQ==\","
54            + "\"contact_email\":\"ggK2ABtJ8bBiBo1iM7I6R2yEvhD6WC96d07gthnPGajc4lBCKpIqXjyNX8B97vc0OilyLRNUcySbT/KUejPyu4x9W6Ok6iS4zcerfKfIQkKs+3JXIMo0bu+GyI5O0fzRrPg1Mek2okfIjVK9wiTNJTzoGyz9twMXEaqqrOTbysyhnkqfrol5dad/TPg8qNWaBO3+Ma/hr1Tr0xeHWkKX3mBySC3NW49HM51x0PvFAwnStHr/8hiGzGpqAA3yJuYdlEwey3Lv+/bMmbTq+AyrYq9xX3q+n0VHuiSnzgICPwQiP4zXsoivA0bm7DSgcP1Oa6MjpGqMOS7AU1dHyak2GQ==\""
55            + "},"
56            + "\"bank_account_info\": {"
57            + "\"account_number\":\"Bfu6CzrRWlVTLZwjEK2CCXG0KRfGoIsbYs9IYmtFcV9FTEVLCcVCRGW6DVE2hMMr7U9tSdo7QqsptXZ7Zhciandyx9kRkY/VmPywurySvCbqpOLbx3AgmQY7H6/Ye542R0uloi6Pdp5FjqY/TdnlDcTS4cqv9iqU0DqKAUt7q+L6jZ8lrSlGFPI/1RkXCGAhlTSZ/iAJYDWzcN/E0cno9BQPYCmEIWldzj7W3Tmhi1eaZYX5mlLWnTOuVmMsRXIehb4y6LCi6T0kS7/c3GOFwlTzHVaaUgFqZhOL00h2G4Cl94uZfuVNO7KTiFaWtV61muEN6JfaSnFwRDSHxhtsRg==\","
58            + "\"bank_address_code\":\"310101\","
59            + "\"account_name\":\"RVBRWZKlmzrjkDmz4uEkaLQLU5q5xErXGoWhzDNdnQjRlfn1NVHL2EtIE+B0BULFNOHrX61q13lcgo9CDal9YJ/LjZkzAAsivwJZpNSRZbAsNNjqbYiiVhdnxYpwMqtukVgZAFgx0XMovOeSGX1+Dosc2vKJSsxtUw6wJXcZbMjvsX5/xamFTvRIx1J2a/q3ODBJ9URO5O2FDhGwLx8LQnFIv7xUDM3JXw7c6+eNy1OYTVwlj3/MIDQVw2eiPjpG1vC6K6PRwCI4wFZk1QwH99Xa3Wwvf+ek54j7FQTh0N703dK6jjonL5L6Lh9ZsckLx45InkARlPnU0KQpoK5g9w==\","
60            + "\"bank_account_type\":\"BANK_ACCOUNT_TYPE_CORPORATE\","
61            + "\"account_bank\":\"招商银行\""
62            + "},"
63            + "\"settlement_info\": {"
64            + "\"settlement_id\":\"716\","
65            + "\"qualification_type\":\"零售批发/生活娱乐/网上商城/其他\""
66            + "}"
67            + "}";
68    StringEntity entity = new StringEntity(reqdata,"utf-8");
69    entity.setContentType("application/json");
70    httpPost.setEntity(entity);
71    httpPost.setHeader("Accept", "application/json");
72    httpPost.setHeader("Wechatpay-Serial", "XXXXXXXXXXXXXX");
73    //完成签名并执行请求
74    CloseableHttpResponse response = httpClient.execute(httpPost);
75    try {
76        int statusCode = response.getStatusLine().getStatusCode();
77        if (statusCode == 200) { //处理成功
78            System.out.println("success,return body = " + EntityUtils.toString(response.getEntity()));
79        } else if (statusCode == 204) { //处理成功,无返回Body
80            System.out.println("success");
81        } else {
82            System.out.println("failed,resp code = " + statusCode+ ",return body = " + EntityUtils.toString(response.getEntity()));
83            throw new IOException("request failed");
84        }
85    } finally {
86        response.close();
87    }
88}

PHP

1try {
2    $resp = $client->request(
3        'POST',
4        'https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/', //请求URL
5        [
6            // JSON请求体
7            'json' => [
8                "business_info" => [
9                    "merchant_shortname" => "上海XXX有限公司", 
10                    "service_phone" => "139XXXX", 
11                    "sales_info" => [
12                        "mini_program_info" => [
13                            "mini_program_pics" => [
14                                "0" => "F8O5MNAOlYZyxZcLnWXkyk72coZ3CVX3XobPZng-xepKPTrcH_XMfrGGYLi1XFogMG9P25LSUX6gjXU5iPI74YqiRUDfORyw2d76wK3vzuQ", 
15                            ],
16                            "mini_program_sub_appid" => "wx76c3f74c108876c2", 
17                        ],
18                        "mp_info" => [
19                            "mp_pics" => [
20                                "0" => "F8O5MNAOlYZyxZcLnWXkys5TBxf0dyfesnyfNuquBMArHRfgCq8hDRdscDpblCcEgvgV5MkVch9IBEX7aatZCmI8k5Wdb_M8a4bYcmlg6V8", 
21                            ],
22                            "mp_sub_appid" => "wx85c88c63bd22651f", 
23                        ],
24                        "sales_scenes_type" => [
25                            "0" => "SALES_SCENES_MP", 
26                            "1" => "SALES_SCENES_MINI_PROGRAM", 
27                        ],
28                    ],
29                ],
30                "subject_info" => [
31                    "business_license_info" => [
32                        "legal_person" => "江XX", 
33                        "license_copy" => "F8O5MNAOlYZyxZcLnWXkysZ5xo8fE3SHJ1pHUe6OJKmNIWtqUVyv4aY2-JLTgjDOSovWaKkBu3AbkjGuQXhesDzREu2pT_Yf_hxlFKPJMwQ", 
34                        "merchant_name" => "上海XXX有限公司", 
35                        "license_number" => "91310118MA1JXXXX", 
36                    ],
37                    "subject_type" => "SUBJECT_TYPE_ENTERPRISE", 
38                    "identity_info" => [
39                        "owner" => true, 
40                        "id_doc_type" => "IDENTIFICATION_TYPE_IDCARD", 
41                        "id_card_info" => [
42                            "id_card_copy" => "F8O5MNAOlYZyxZcLnWXkyvLpqoz7MNRULxju0NqUCtLGBl_vm8Bhj9uAyuLyDART9UsA10spF9gbT3DEoM85HxPQOhMuilK0zLtOxAjPx58", 
43                            "card_period_end" => "2035-12-28", 
44                            "card_period_begin" => "2015-12-28", 
45                            "id_card_name" => "JRMJGA7B7oSVS+krFeaQn4AvYZE2LL9tTwA+XXa9lYJU4AhS+Qheb7fhgo+D+hfa0v+ykU1BVvVo7NpCfgOYQqmYDyYF27Q/p4hB7IoqZLhJUE+hTG45VNoa9ASaKG79Hg+eGz4YTIHFGMFm1ljyg4fd5lGJixCqn38/gCfwm5x6vDOMVkFpqbUdR7klQwReGoG7iSlEpr4gZPqzItcBHiuXidMToKZTX1Lol1Lx52DHk0blcdh1CMRhv+wxQzF0lJMy/WtVyjKuB8daDbLJKTEwDx5KfkTZGHmGiaJnWY0qFX03sXsufvfB0Wj6Z37+nJnV16fplPmdr1/KEHamLw==", 
46                            "id_card_national" => "F8O5MNAOlYZyxZcLnWXkyvcmQrkBXCIo2vZGUoM6ER-skL5k6IOhzeJ34tNNUggQIPfJbM_pzdg9jM4pQbkIm84_bKfi2JKNn99xIurNgwI", 
47                            "id_card_number" => "V0quwnIu/PLbdQQ3/nzMqjvHtChDqed4Jpc3Iy2lgnFoWVNXguRWBHMYKHaLgLvnxLvO6TciMnrSw13QzUJD4ZnEIiks8gGTd+OCzl5Jl3F+sneQ+Js4akBnCSBQso/SERvi6vUqCeRhX1vtiFsmKtqlL8r/ssrFev4FoJEka5gGME1osTgcpMMTIR8rolIO1oXbl3e8z5RDics5xKH2Ogjzis73yq9M18ap0uRRdLWoX/cxeG3tbU1bi5jZsAU9hGHXs4BKTaHfrslsKIkqXR0f2Jpk7H5qtwAyP8glcALN7gB5DIOmBEIZ5zx2PrDm38CsZHstu0hF8beXV/PG2w==", 
48                        ],
49                    ],
50                ],
51                "business_code" => "20201126100507000003", 
52                "contact_info" => [
53                    "contact_name" => "AD2jwe8eYFYfeoSmBpyRYUawyQgQkUoAajOlHnQM/JzproDF7hikLDouMr5Mb1W5otvdJZYEipG0HzwLpG9NXbqP6SXSpzQFb8fY5cpuXZsIbDy70lAybF0bbxJiJw1PHSd7KpMbu0XHqwlicePLUOw7HCNV6euQsKEvtusiWsaVrNNdKXpj3ONhyAg2ws4ibc56GUVoNll3osmGLPi6/bIn3pD6sjNThgPE9UzRQax0XPwgIpafIewQiVy0GNtv5P33wqPa9pAsdEmaLXNtQr2Ddjw5SYMInen1qbVO8NP0VhuWmYiAjd1WbkNnR+gbwsilBCYYeRuFbKfqatASnA==", 
54                    "mobile_phone" => "GLc5+TuqJbxLeQO+CrKeDWF+7lZq9IsidIU4zcMpus4qsE8r1qNyvVMjrZfWLrjOItiQhXqkiKZs0B4M0UWAviWwmBhNWW0BJrauBjZbGZU+pLHC/2eOetdDC4sQqHN7Xw0N4tizqeQNu49n+DbSiv0TL09EcmNUUV9rImfjpVyo77MxKhPvdg3ODwS+IVvY2Tc9q11iBgaPIQ+XwoBaJGth1wdw0GLgEFUmX02TWxjHxq7f5O1RU3LjBlt1O+56ZZYpA+zr+IjQ/TwrIDp+4nk9v1oW2wtHuwrdqKrlLyJ1/zdoqwSddLuGxp8PwSM8CKobQP8TXhJu0S9pwLbNyg==", 
55                    "contact_id_number" => "iC35X6SaOx4A4BEJ4fmM2oOkYRO5rEzRh2QRdrxFD3+HwmNjxddsm1LoqfhSiV34DAO2x3Ded3q2c1LJ7NHqa3/IGCDss4FKlgIyiu5AmzQTTYwsobmvVFxeSUXA4PnH/tUTfatJOuj+9Emt7fmnpO9uWeCLIn5CXaaABrXpO4mUu8qPBaoF2jTfbwBm6QiYX58kATyRrIvBRs6VorHJydXkz3P1hCejh8sAYoJXlNHnoajI+NEwiWX9RhwUadYLbMwww68cc7Yzehp3s6an0NWuC76Y4e7FQ/i5D9ZpUvLKUoYfFsZMnHrv/PhLxmv5l8gQs9/IkmOdYfRujKZJwQ==", 
56                    "contact_email" => "ggK2ABtJ8bBiBo1iM7I6R2yEvhD6WC96d07gthnPGajc4lBCKpIqXjyNX8B97vc0OilyLRNUcySbT/KUejPyu4x9W6Ok6iS4zcerfKfIQkKs+3JXIMo0bu+GyI5O0fzRrPg1Mek2okfIjVK9wiTNJTzoGyz9twMXEaqqrOTbysyhnkqfrol5dad/TPg8qNWaBO3+Ma/hr1Tr0xeHWkKX3mBySC3NW49HM51x0PvFAwnStHr/8hiGzGpqAA3yJuYdlEwey3Lv+/bMmbTq+AyrYq9xX3q+n0VHuiSnzgICPwQiP4zXsoivA0bm7DSgcP1Oa6MjpGqMOS7AU1dHyak2GQ==", 
57                ],
58                "bank_account_info" => [
59                    "account_number" => "Bfu6CzrRWlVTLZwjEK2CCXG0KRfGoIsbYs9IYmtFcV9FTEVLCcVCRGW6DVE2hMMr7U9tSdo7QqsptXZ7Zhciandyx9kRkY/VmPywurySvCbqpOLbx3AgmQY7H6/Ye542R0uloi6Pdp5FjqY/TdnlDcTS4cqv9iqU0DqKAUt7q+L6jZ8lrSlGFPI/1RkXCGAhlTSZ/iAJYDWzcN/E0cno9BQPYCmEIWldzj7W3Tmhi1eaZYX5mlLWnTOuVmMsRXIehb4y6LCi6T0kS7/c3GOFwlTzHVaaUgFqZhOL00h2G4Cl94uZfuVNO7KTiFaWtV61muEN6JfaSnFwRDSHxhtsRg==", 
60                    "bank_address_code" => "310101", 
61                    "account_name" => "RVBRWZKlmzrjkDmz4uEkaLQLU5q5xErXGoWhzDNdnQjRlfn1NVHL2EtIE+B0BULFNOHrX61q13lcgo9CDal9YJ/LjZkzAAsivwJZpNSRZbAsNNjqbYiiVhdnxYpwMqtukVgZAFgx0XMovOeSGX1+Dosc2vKJSsxtUw6wJXcZbMjvsX5/xamFTvRIx1J2a/q3ODBJ9URO5O2FDhGwLx8LQnFIv7xUDM3JXw7c6+eNy1OYTVwlj3/MIDQVw2eiPjpG1vC6K6PRwCI4wFZk1QwH99Xa3Wwvf+ek54j7FQTh0N703dK6jjonL5L6Lh9ZsckLx45InkARlPnU0KQpoK5g9w==", 
62                    "bank_account_type" => "BANK_ACCOUNT_TYPE_CORPORATE", 
63                    "account_bank" => "招商银行", 
64                ],
65                "settlement_info" => [
66                    "settlement_id" => "716", 
67                    "qualification_type" => "零售批发/生活娱乐/网上商城/其他", 
68                ]
69            ],
70            'headers' => [ 
71        'Accept' => 'application/json',
72        'Wechatpay-Serial' => 'xxxxxxxxxxxxxxxxxxxxxxxxxx',
73    ]
74        ]
75    );
76    $statusCode = $resp->getStatusCode();
77    if ($statusCode == 200) { //处理成功
78        echo "success,return body = " . $resp->getBody()->getContents()."\n";
79    } else if ($statusCode == 204) { //处理成功,无返回Body
80        echo "success";
81    }
82} catch (RequestException $e) {
83    // 进行错误处理
84    echo $e->getMessage()."\n";
85    if ($e->hasResponse()) {
86        echo "failed,resp code = " . $e->getResponse()->getStatusCode() . " return body = " . $e->getResponse()->getBody() . "\n";
87    }
88    return;
89}

重要入参说明

  • business_code 业务申请编号。

    • 服务商自定义的唯一编号。

    • 每个编号对应一个申请单,每个申请单审核通过后会生成一个微信支付商户号。

    • 若申请单被驳回,可填写相同的“业务申请编号”,即可覆盖修改原申请单信息

  • mobile_phone: 联系手机。

    • 11位数字。

    • 用于接收微信支付的重要管理信息及日常操作验证码。

    • 该字段需进行加密处理,加密方法详见敏感信息加密说明。(提醒:必须在HTTP头中上送Wechatpay-Serial)

  • bank_account_type: 账户类型。

    • 若主体为企业/党政、机关及事业单位/其他组织,可填写:对公银行账户。

    • 若主体为个体户,可选择填写:对公银行账户或经营者个人银行卡。
      枚举值:

      • BANK_ACCOUNT_TYPE_CORPORATE:对公银行账户

      • BANK_ACCOUNT_TYPE_PERSONAL:经营者个人银行卡

  • account_name: 开户名称。

    • 选择“经营者个人银行卡”时,开户名称必须与“经营者证件姓名”一致。

    • 选择“对公银行账户”时,开户名称必须与营业执照/登记证书的“商户名称”一致。

    • 该字段需进行加密处理,加密方法详见敏感信息加密说明。(提醒:必须在HTTP头中上送Wechatpay-Serial)

更多参数、响应详情及错误码请参见提交申请单接口文档。

3.2.2.【服务端】查询申请单状态

步骤说明:创建申请单后,可通过查询申请单状态接口,获取特约商户签约链接,让商户扫码确认联系信息,后续申请单进度可通过公众号自动通知超级管理员(简称超管)。

JAVA

1public void QueryApplymentInfo() throws Exception {
2    //请求URL
3    HttpGet httpGet = new HttpGet("https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/business_code/1900013511_10000");
4    httpGet.setHeader("Accept", "application/json");
5    //完成签名并执行请求
6    CloseableHttpResponse response = httpClient.execute(httpGet);
7    try {
8        int statusCode = response.getStatusLine().getStatusCode();
9        if (statusCode == 200) { //处理成功
10            System.out.println("success,return body = " + EntityUtils.toString(response.getEntity()));
11        } else if (statusCode == 204) { //处理成功,无返回Body
12            System.out.println("success");
13        } else {
14            System.out.println("failed,resp code = " + statusCode+ ",return body = " + EntityUtils.toString(response.getEntity()));
15            throw new IOException("request failed");
16        }
17    } finally {
18        response.close();
19    }
20}

PHP

1try {
2    $resp = $client->request(
3        'GET',
4        'https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/business_code/1900013511_10000', //请求URL
5        [
6            'headers' => [ 'Accept' => 'application/json']
7        ]
8    );
9    $statusCode = $resp->getStatusCode();
10    if ($statusCode == 200) { //处理成功
11        echo "success,return body = " . $resp->getBody()->getContents()."\n";
12    } else if ($statusCode == 204) { //处理成功,无返回Body
13        echo "success";
14    }
15} catch (RequestException $e) {
16    // 进行错误处理
17    echo $e->getMessage()."\n";
18    if ($e->hasResponse()) {
19        echo "failed,resp code = " . $e->getResponse()->getStatusCode() . " return body = " . $e->getResponse()->getBody() . "\n";
20    }
21    return;
22}

重要入参说明:

  • business_code: 业务申请编号。

    • 只能由数字、字母或下划线组成,建议前缀为服务商商户号。

    • 服务商自定义的唯一编号。

    • 每个编号对应一个申请单,每个申请单审核通过后生成一个微信支付商户号。

    • 若申请单被驳回,可填写相同的“业务申请编号”,即可覆盖修改原申请单信息。

  • applyment_id: 申请单号, 微信支付分配的申请单号。

更多参数、响应详情及错误码请参见查询申请单状态接口文档

3.2.3. 【服务端】修改结算账号

步骤说明: 进件成功后,若特约商户需修改结算账号时,服务商可调用修改结算账号接口来帮助特约商户修改结算信息。

JAVA

1public void UpdateSubMchInfo() throws Exception {
2    //请求URL
3    HttpPost httpPost = new HttpPost("https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/190000XXX/modify-settlement");
4    // 请求body参数
5    String reqdata = "{"
6            + "\"account_type\":\"ACCOUNT_TYPE_BUSINESS\","
7            + "\"account_bank\":\"工商银行\","
8            + "\"bank_address_code\":\"110000\","
9            + "\"bank_name\":\"施秉县农村信用合作联社城关信用社\","
10            + "\"bank_branch_id\":\"402713354941\","
11            + "\"account_number\":\"d+xT+MQCvrLHUVDWv/8MR/dB7TkXM2YYZlokmXzFsWs35NXUot7C0NcxIrUF5FnxqCJHkNgKtxa6RxEYyba1+VBRLnqKG2fSy/Y5qDN08Ej9zHCwJjq52Wg1VG8MRugli9YMI1fI83KGBxhuXyemgS/hqFKsfYGiOkJqjTUpgY5VqjtL2N4l4z11T0ECB/aSyVXUysOFGLVfSrUxMPZy6jWWYGvT1+4P633f+R+ki1gT4WF/2KxZOYmli385ZgVhcR30mr4/G3HBcxi13zp7FnEeOsLlvBmI1PHN4C7Rsu3WL8sPndjXTd75kPkyjqnoMRrEEaYQE8ZRGYoeorwC+w==\""
12            + "}";
13    StringEntity entity = new StringEntity(reqdata,"utf-8");
14    entity.setContentType("application/json");
15    httpPost.setEntity(entity);
16    httpPost.setHeader("Accept", "application/json");
17    httpPost.setHeader("Wechatpay-Serial", "XXXXXXXXXXXX");
18    //完成签名并执行请求
19    CloseableHttpResponse response = httpClient.execute(httpPost);
20    try {
21        int statusCode = response.getStatusLine().getStatusCode();
22        if (statusCode == 200) { //处理成功
23            System.out.println("success,return body = " + EntityUtils.toString(response.getEntity()));
24        } else if (statusCode == 204) { //处理成功,无返回Body
25            System.out.println("success");
26        } else {
27            System.out.println("failed,resp code = " + statusCode+ ",return body = " + EntityUtils.toString(response.getEntity()));
28            throw new IOException("request failed");
29        }
30    } finally {
31        response.close();
32    }
33}

PHP

1try {
2    $resp = $client->request(
3        'POST',
4        'https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/190000XXX/modify-settlement', //请求URL
5        [
6            // JSON请求体
7            'json' => [
8                "account_type" => "ACCOUNT_TYPE_BUSINESS", 
9                "account_bank" => "工商银行", 
10                "bank_address_code" => "110000", 
11                "bank_name" => "施秉县农村信用合作联社城关信用社", 
12                "bank_branch_id" => "402713354941", 
13                "account_number" => "d+xT+MQCvrLHUVDWv/8MR/dB7TkXM2YYZlokmXzFsWs35NXUot7C0NcxIrUF5FnxqCJHkNgKtxa6RxEYyba1+VBRLnqKG2fSy/Y5qDN08Ej9zHCwJjq52Wg1VG8MRugli9YMI1fI83KGBxhuXyemgS/hqFKsfYGiOkJqjTUpgY5VqjtL2N4l4z11T0ECB/aSyVXUysOFGLVfSrUxMPZy6jWWYGvT1+4P633f+R+ki1gT4WF/2KxZOYmli385ZgVhcR30mr4/G3HBcxi13zp7FnEeOsLlvBmI1PHN4C7Rsu3WL8sPndjXTd75kPkyjqnoMRrEEaYQE8ZRGYoeorwC+w==",
14            ],
15            'headers' => [ 
16            'Accept' => 'application/json',
17            'Wechatpay-Serial' => 'xxxxxxxxxxxxxxxxxxxxxxxxxx',
18    ]
19        ]
20    );
21    $statusCode = $resp->getStatusCode();
22    if ($statusCode == 200) { //处理成功
23        echo "success,return body = " . $resp->getBody()->getContents()."\n";
24    } else if ($statusCode == 204) { //处理成功,无返回Body
25        echo "success";
26    }
27} catch (RequestException $e) {
28    // 进行错误处理
29    echo $e->getMessage()."\n";
30    if ($e->hasResponse()) {
31        echo "failed,resp code = " . $e->getResponse()->getStatusCode() . " return body = " . $e->getResponse()->getBody() . "\n";
32    }
33    return;
34}

重要入参说明:

  • sub_mchid: 投诉单对应的投诉单号,在投诉通知回调中会返回这个参数

  • account_bank:开户银行,请填写开户银行名称,详细参见开户银行对照表

  • account_number:银行账号。

    • 数字,长度遵循系统支持的开户银行对照表中对公/对私卡号长度要求。

    • 该字段需进行加密处理,加密方法详见敏感信息加密说明。(提醒:必须在HTTP头中上送Wechatpay-Serial)

更多参数、响应详情及错误码请参见修改结算账号接口文档。

3.2.4. 【服务端】查询结算账户

步骤说明: 服务商调用修改结算账号接口来帮助特约商户修改结算信息,修改后通过状态码判断是否修改成功。也可通过调用查询结算账号接口来查询核查结算账号信息。

JAVA

1public void QuerySettleMent() throws Exception {
2    //请求URL
3    HttpGet httpGet = new HttpGet("https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/190000XXXX/settlement");
4    httpGet.setHeader("Accept", "application/json");
5    //完成签名并执行请求
6    CloseableHttpResponse response = httpClient.execute(httpGet);
7    try {
8        int statusCode = response.getStatusLine().getStatusCode();
9        if (statusCode == 200) { //处理成功
10            System.out.println("success,return body = " + EntityUtils.toString(response.getEntity()));
11        } else if (statusCode == 204) { //处理成功,无返回Body
12            System.out.println("success");
13        } else {
14            System.out.println("failed,resp code = " + statusCode+ ",return body = " + EntityUtils.toString(response.getEntity()));
15            throw new IOException("request failed");
16        }
17    } finally {
18        response.close();
19    }
20}

PHP

1try {
2    $resp = $client->request(
3        'GET',
4        'https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/190000XXXX/settlement', //请求URL
5        [
6            'headers' => [ 'Accept' => 'application/json']
7        ]
8    );
9    $statusCode = $resp->getStatusCode();
10    if ($statusCode == 200) { //处理成功
11        echo "success,return body = " . $resp->getBody()->getContents()."\n";
12    } else if ($statusCode == 204) { //处理成功,无返回Body
13        echo "success";
14    }
15} catch (RequestException $e) {
16    // 进行错误处理
17    echo $e->getMessage()."\n";
18    if ($e->hasResponse()) {
19        echo "failed,resp code = " . $e->getResponse()->getStatusCode() . " return body = " . $e->getResponse()->getBody() . "\n";
20    }
21    return;
22}

重要入参说明:

  • sub_mchid: 特约商户号、请输入本服务商进件、已签约的特约商户号。

更多参数、响应详情及错误码请参见查询结算账户接口文档。

4. 常见问题

Q1:调用特约商户进件“提交申请单接口”返回“暂无权限”?

A1:请按照以下几点检查

  1. 服务商商户号被处罚,被限制权限,请登录服务商商户平台查看站内信,按照收到的站内信提示申诉解决

  2. 请求头中的参数mchid填写错误,该参数只能填写为普通服务商的商户号,不能填写为其他类型的商户号

  3. 特约商户进件接口不允许进件小微商户

Q2:调用特约商户进件“提交申请单接口”返回“身份证号码,与营业执照不匹配,请核对修改”?

A2:请按照以下几点检查

  1. 身份证号码字段(id_card_number)取值错误,请填写个体户经营者/法定代表人对应身份证的号码

  2. 身份证号码字段(id_card_number)取值错误,身份证号码的规则是15位数字或17位数字+1位数字|X,该字段需进行加密处理

  3. 请使用办理营业执照的身份证号码

Q3:调用特约商户进件“提交申请单接口”返回:"参数“组织机构代码证照片”是必填项

A3:请仔细检查上传的参数是否有问题,如果传入组织机构代码证的结构(organization_info),将进行真实校验,请去掉组织机构代码证的结构(organization_info)

Q4:调用特约商户进件“提交申请单接口”返回“系统繁忙,请稍后重试”

A4:请按照以下几点检查

  1. 系统繁忙,可以稍后重试

  2. 请求头中的参数mchid填写错误,该参数只能填写为普通服务商的商户号

  3. 在请求参数中,不需要的参数不要上传,不能传空值,空的字段也不能上传

Q5:查询结算账户API不返回verify_result字段,是什么原因?

A5:入驻后若没有修改过银行卡,除非是汇款失败,否则不返回verify_result字段