商户进件
特约商户进件
基础支付
JSAPI支付
APP支付
H5支付
Native支付
小程序支付
合单支付
付款码支付
经营能力
支付即服务
点金计划
行业方案
电商收付通
智慧商圈
微信支付分停车服务
营销工具
代金券
商家券
委托营销
支付有礼
小程序发券插件
H5发券
图片上传(营销专用)
现金红包
资金应用
分账
连锁品牌分账
风险合规
商户开户意愿确认
消费者投诉2.0
其他能力
图片上传
视频上传

开发指引

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

为了帮助开发者调用开放接口,我们提供了JAVA、PHP、GO三种语言版本的开发库,封装了签名生成、签名验证、敏感信息加/解密、媒体文件上传等基础功能(更多语言版本的开发库将在近期陆续提供

测试步骤

1、根据自身开发语言,选择对应的开发库并构建项目,具体配置请参考下面链接的详细说明:

    • wechatpay-apache-httpclient,适用于使用Apache HttpClient处理HTTP的Java开发者

    • wechatpay-php(推荐)、wechatpay-guzzle-middleware,适用于PHP开发者

    注:当前开发指引接口PHP示例代码采用wechatpay-guzzle-middleware版本

    • wechatpay-go,适用于Go开发者

更多资源可前往微信支付开发者社区搜索查看

2、创建加载商户私钥、加载平台证书、初始化httpClient的通用方法


@Before
public void setup() throws IOException {
    // 加载商户私钥(privateKey:私钥字符串)
    PrivateKey merchantPrivateKey = PemUtil
            .loadPrivateKey(new ByteArrayInputStream(privateKey.getBytes("utf-8")));
 
    // 加载平台证书(mchId:商户号,mchSerialNo:商户证书序列号,apiV3Key:V3密钥)
    AutoUpdateCertificatesVerifier verifier = new AutoUpdateCertificatesVerifier(
            new WechatPay2Credentials(mchId, new PrivateKeySigner(mchSerialNo, merchantPrivateKey)),apiV3Key.getBytes("utf-8"));
 
    // 初始化httpClient
    httpClient = WechatPayHttpClientBuilder.create()
            .withMerchant(mchId, mchSerialNo, merchantPrivateKey)
            .withValidator(new WechatPay2Validator(verifier)).build();
}
 
@After
public void after() throws IOException {
    httpClient.close();
}

use GuzzleHttp\Exception\RequestException;
use WechatPay\GuzzleMiddleware\WechatPayMiddleware;
use WechatPay\GuzzleMiddleware\Util\PemUtil;
use GuzzleHttp\HandlerStack;
 
// 商户相关配置,
$merchantId = '1000100'; // 商户号
$merchantSerialNumber = 'XXXXXXXXXX'; // 商户API证书序列号
$merchantPrivateKey = PemUtil::loadPrivateKey('./path/to/mch/private/key.pem'); // 商户私钥文件路径
 
// 微信支付平台配置
$wechatpayCertificate = PemUtil::loadCertificate('./path/to/wechatpay/cert.pem'); // 微信支付平台证书文件路径
 
// 构造一个WechatPayMiddleware
$wechatpayMiddleware = WechatPayMiddleware::builder()
    ->withMerchant($merchantId, $merchantSerialNumber, $merchantPrivateKey) // 传入商户相关配置
    ->withWechatPay([ $wechatpayCertificate ]) // 可传入多个微信支付平台证书,参数类型为array
    ->build();
 
// 将WechatPayMiddleware添加到Guzzle的HandlerStack中
$stack = GuzzleHttp\HandlerStack::create();
$stack->push($wechatpayMiddleware, 'wechatpay');
 
// 创建Guzzle HTTP Client时,将HandlerStack传入,接下来,正常使用Guzzle发起API请求,WechatPayMiddleware会自动地处理签名和验签
$client = new GuzzleHttp\Client(['handler' => $stack]);

/*
    Package core 微信支付api v3 go http-client 基础库,你可以使用它来创建一个client,并向微信支付发送http请求
    只需要你在初始化客户端的时候,传递credential以及validator
    credential用来生成http header中的authorization信息
    validator则用来校验回包是否被篡改
    如果http请求返回的err为nil,一般response.Body 都不为空,你可以尝试对其进行序列化
    请注意及时关闭response.Body
    注意:使用微信支付apiv3 go库需要引入相关的包,该示例代码必须引入的包名有以下信息

    "context"
    "crypto/x509"
    "fmt"
    "io/ioutil"
    "log"
    "github.com/wechatpay-apiv3/wechatpay-go/core"
    "github.com/wechatpay-apiv3/wechatpay-go/core/option"
    "github.com/wechatpay-apiv3/wechatpay-go/utils"

    */
func SetUp() (opt []option.ClientOption, err error) {
    //商户号
    mchID := ""
    //商户证书序列号
    mchCertSerialNumber := ""
    //商户私钥文件路径
    privateKeyPath := ""
    //平台证书文件路径
    wechatCertificatePath := ""

    // 加载商户私钥
    privateKey, err := utils.LoadPrivateKeyWithPath(privateKeyPath)
    if err != nil {
        log.Printf("load private err:%s", err.Error())
        return nil, err
    }
    // 加载微信支付平台证书
    wechatPayCertificate, err := utils.LoadCertificateWithPath(wechatCertificatePath)
    if err != nil {
        log.Printf("load certificate err:%s",err)
        return nil, err
    }
    //设置header头中authorization信息
    opts := []option.ClientOption{
        option.WithMerchant(mchID, mchCertSerialNumber, privateKey), // 设置商户相关配置
        option.WithWechatPay([]*x509.Certificate{wechatPayCertificate}), // 设置微信支付平台证书,用于校验回包信息用
    }
    return opts, nil
}

3、基于接口的示例代码,替换请求参数后可发起测试

说明:

• 上面的开发库为微信支付官方开发库,其它没有审核或者控制下的第三方工具和库,微信支付不保证它们的安全性和可靠性

通过包管理工具引入SDK后,可根据下面每个接口的示例代码替换相关参数后进行快速测试

开发者如果想详细了解签名生成、签名验证、敏感信息加/解密、媒体文件上传等常用方法的具体代码实现,可阅读下面的详细说明:

    1.签名生成

    2.签名验证

    3.敏感信息加解密

    4.merchantPrivateKey(私钥)

    5.wechatpayCertificates(平台证书)

    6.APIV3Key(V3 key)

如想更详细的了解我们的接口规则,可查看我们的接口规则指引文档

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 快速接入特约商户进件,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。

示例代码


public void ApplymentSubMch() throws Exception {
    //请求URL
    HttpPost httpPost = new HttpPost("https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/");
    // 请求body参数
    String reqdata = "{"
            + "\"business_info\": {"
            + "\"merchant_shortname\":\"上海XXX有限公司\","
            + "\"service_phone\":\"139XXXX\","
            + "\"sales_info\": {"
            + "\"mini_program_info\": {"
            + "\"mini_program_pics\": ["
            + "\"0\":\"F8O5MNAOlYZyxZcLnWXkyk72coZ3CVX3XobPZng-xepKPTrcH_XMfrGGYLi1XFogMG9P25LSUX6gjXU5iPI74YqiRUDfORyw2d76wK3vzuQ\""
            + "],"
            + "\"mini_program_sub_appid\":\"wx76c3f74c108876c2\""
            + "},"
            + "\"mp_info\": {"
            + "\"mp_pics\": ["
            + "\"0\":\"F8O5MNAOlYZyxZcLnWXkys5TBxf0dyfesnyfNuquBMArHRfgCq8hDRdscDpblCcEgvgV5MkVch9IBEX7aatZCmI8k5Wdb_M8a4bYcmlg6V8\""
            + "],"
            + "\"mp_sub_appid\":\"wx85c88c63bd22651f\""
            + "},"
            + "\"sales_scenes_type\": ["
            + "\"0\":\"SALES_SCENES_MP\","
            + "\"1\":\"SALES_SCENES_MINI_PROGRAM\""
            + "]"
            + "}"
            + "},"
            + "\"subject_info\": {"
            + "\"business_license_info\": {"
            + "\"legal_person\":\"江XX\","
            + "\"license_copy\":\"F8O5MNAOlYZyxZcLnWXkysZ5xo8fE3SHJ1pHUe6OJKmNIWtqUVyv4aY2-JLTgjDOSovWaKkBu3AbkjGuQXhesDzREu2pT_Yf_hxlFKPJMwQ\","
            + "\"merchant_name\":\"上海XXX有限公司\","
            + "\"license_number\":\"91310118MA1JXXXX\""
            + "},"
            + "\"subject_type\":\"SUBJECT_TYPE_ENTERPRISE\","
            + "\"identity_info\": {"
            + "\"owner\":true,"
            + "\"id_doc_type\":\"IDENTIFICATION_TYPE_IDCARD\","
            + "\"id_card_info\": {"
            + "\"id_card_copy\":\"F8O5MNAOlYZyxZcLnWXkyvLpqoz7MNRULxju0NqUCtLGBl_vm8Bhj9uAyuLyDART9UsA10spF9gbT3DEoM85HxPQOhMuilK0zLtOxAjPx58\","
            + "\"card_period_end\":\"2035-12-28\","
            + "\"card_period_begin\":\"2015-12-28\","
            + "\"id_card_name\":\"JRMJGA7B7oSVS+krFeaQn4AvYZE2LL9tTwA+XXa9lYJU4AhS+Qheb7fhgo+D+hfa0v+ykU1BVvVo7NpCfgOYQqmYDyYF27Q/p4hB7IoqZLhJUE+hTG45VNoa9ASaKG79Hg+eGz4YTIHFGMFm1ljyg4fd5lGJixCqn38/gCfwm5x6vDOMVkFpqbUdR7klQwReGoG7iSlEpr4gZPqzItcBHiuXidMToKZTX1Lol1Lx52DHk0blcdh1CMRhv+wxQzF0lJMy/WtVyjKuB8daDbLJKTEwDx5KfkTZGHmGiaJnWY0qFX03sXsufvfB0Wj6Z37+nJnV16fplPmdr1/KEHamLw==\","
            + "\"id_card_national\":\"F8O5MNAOlYZyxZcLnWXkyvcmQrkBXCIo2vZGUoM6ER-skL5k6IOhzeJ34tNNUggQIPfJbM_pzdg9jM4pQbkIm84_bKfi2JKNn99xIurNgwI\","
            + "\"id_card_number\":\"V0quwnIu/PLbdQQ3/nzMqjvHtChDqed4Jpc3Iy2lgnFoWVNXguRWBHMYKHaLgLvnxLvO6TciMnrSw13QzUJD4ZnEIiks8gGTd+OCzl5Jl3F+sneQ+Js4akBnCSBQso/SERvi6vUqCeRhX1vtiFsmKtqlL8r/ssrFev4FoJEka5gGME1osTgcpMMTIR8rolIO1oXbl3e8z5RDics5xKH2Ogjzis73yq9M18ap0uRRdLWoX/cxeG3tbU1bi5jZsAU9hGHXs4BKTaHfrslsKIkqXR0f2Jpk7H5qtwAyP8glcALN7gB5DIOmBEIZ5zx2PrDm38CsZHstu0hF8beXV/PG2w==\""
            + "}"
            + "}"
            + "},"
            + "\"business_code\":\"20201126100507000003\","
            + "\"contact_info\": {"
            + "\"contact_name\":\"AD2jwe8eYFYfeoSmBpyRYUawyQgQkUoAajOlHnQM/JzproDF7hikLDouMr5Mb1W5otvdJZYEipG0HzwLpG9NXbqP6SXSpzQFb8fY5cpuXZsIbDy70lAybF0bbxJiJw1PHSd7KpMbu0XHqwlicePLUOw7HCNV6euQsKEvtusiWsaVrNNdKXpj3ONhyAg2ws4ibc56GUVoNll3osmGLPi6/bIn3pD6sjNThgPE9UzRQax0XPwgIpafIewQiVy0GNtv5P33wqPa9pAsdEmaLXNtQr2Ddjw5SYMInen1qbVO8NP0VhuWmYiAjd1WbkNnR+gbwsilBCYYeRuFbKfqatASnA==\","
            + "\"mobile_phone\":\"GLc5+TuqJbxLeQO+CrKeDWF+7lZq9IsidIU4zcMpus4qsE8r1qNyvVMjrZfWLrjOItiQhXqkiKZs0B4M0UWAviWwmBhNWW0BJrauBjZbGZU+pLHC/2eOetdDC4sQqHN7Xw0N4tizqeQNu49n+DbSiv0TL09EcmNUUV9rImfjpVyo77MxKhPvdg3ODwS+IVvY2Tc9q11iBgaPIQ+XwoBaJGth1wdw0GLgEFUmX02TWxjHxq7f5O1RU3LjBlt1O+56ZZYpA+zr+IjQ/TwrIDp+4nk9v1oW2wtHuwrdqKrlLyJ1/zdoqwSddLuGxp8PwSM8CKobQP8TXhJu0S9pwLbNyg==\","
            + "\"contact_id_number\":\"iC35X6SaOx4A4BEJ4fmM2oOkYRO5rEzRh2QRdrxFD3+HwmNjxddsm1LoqfhSiV34DAO2x3Ded3q2c1LJ7NHqa3/IGCDss4FKlgIyiu5AmzQTTYwsobmvVFxeSUXA4PnH/tUTfatJOuj+9Emt7fmnpO9uWeCLIn5CXaaABrXpO4mUu8qPBaoF2jTfbwBm6QiYX58kATyRrIvBRs6VorHJydXkz3P1hCejh8sAYoJXlNHnoajI+NEwiWX9RhwUadYLbMwww68cc7Yzehp3s6an0NWuC76Y4e7FQ/i5D9ZpUvLKUoYfFsZMnHrv/PhLxmv5l8gQs9/IkmOdYfRujKZJwQ==\","
            + "\"contact_email\":\"ggK2ABtJ8bBiBo1iM7I6R2yEvhD6WC96d07gthnPGajc4lBCKpIqXjyNX8B97vc0OilyLRNUcySbT/KUejPyu4x9W6Ok6iS4zcerfKfIQkKs+3JXIMo0bu+GyI5O0fzRrPg1Mek2okfIjVK9wiTNJTzoGyz9twMXEaqqrOTbysyhnkqfrol5dad/TPg8qNWaBO3+Ma/hr1Tr0xeHWkKX3mBySC3NW49HM51x0PvFAwnStHr/8hiGzGpqAA3yJuYdlEwey3Lv+/bMmbTq+AyrYq9xX3q+n0VHuiSnzgICPwQiP4zXsoivA0bm7DSgcP1Oa6MjpGqMOS7AU1dHyak2GQ==\""
            + "},"
            + "\"bank_account_info\": {"
            + "\"account_number\":\"Bfu6CzrRWlVTLZwjEK2CCXG0KRfGoIsbYs9IYmtFcV9FTEVLCcVCRGW6DVE2hMMr7U9tSdo7QqsptXZ7Zhciandyx9kRkY/VmPywurySvCbqpOLbx3AgmQY7H6/Ye542R0uloi6Pdp5FjqY/TdnlDcTS4cqv9iqU0DqKAUt7q+L6jZ8lrSlGFPI/1RkXCGAhlTSZ/iAJYDWzcN/E0cno9BQPYCmEIWldzj7W3Tmhi1eaZYX5mlLWnTOuVmMsRXIehb4y6LCi6T0kS7/c3GOFwlTzHVaaUgFqZhOL00h2G4Cl94uZfuVNO7KTiFaWtV61muEN6JfaSnFwRDSHxhtsRg==\","
            + "\"bank_address_code\":\"310101\","
            + "\"account_name\":\"RVBRWZKlmzrjkDmz4uEkaLQLU5q5xErXGoWhzDNdnQjRlfn1NVHL2EtIE+B0BULFNOHrX61q13lcgo9CDal9YJ/LjZkzAAsivwJZpNSRZbAsNNjqbYiiVhdnxYpwMqtukVgZAFgx0XMovOeSGX1+Dosc2vKJSsxtUw6wJXcZbMjvsX5/xamFTvRIx1J2a/q3ODBJ9URO5O2FDhGwLx8LQnFIv7xUDM3JXw7c6+eNy1OYTVwlj3/MIDQVw2eiPjpG1vC6K6PRwCI4wFZk1QwH99Xa3Wwvf+ek54j7FQTh0N703dK6jjonL5L6Lh9ZsckLx45InkARlPnU0KQpoK5g9w==\","
            + "\"bank_account_type\":\"BANK_ACCOUNT_TYPE_CORPORATE\","
            + "\"account_bank\":\"招商银行\""
            + "},"
            + "\"settlement_info\": {"
            + "\"settlement_id\":\"716\","
            + "\"qualification_type\":\"零售批发/生活娱乐/网上商城/其他\""
            + "}"
            + "}";
    StringEntity entity = new StringEntity(reqdata,"utf-8");
    entity.setContentType("application/json");
    httpPost.setEntity(entity);
    httpPost.setHeader("Accept", "application/json");
    httpPost.setHeader("Wechatpay-Serial", "XXXXXXXXXXXXXX");
    //完成签名并执行请求
    CloseableHttpResponse response = httpClient.execute(httpPost);

    try {
        int statusCode = response.getStatusLine().getStatusCode();
        if (statusCode == 200) { //处理成功
            System.out.println("success,return body = " + EntityUtils.toString(response.getEntity()));
        } else if (statusCode == 204) { //处理成功,无返回Body
            System.out.println("success");
        } else {
            System.out.println("failed,resp code = " + statusCode+ ",return body = " + EntityUtils.toString(response.getEntity()));
            throw new IOException("request failed");
        }
    } finally {
        response.close();
    }
}  

try {
    $resp = $client->request(
        'POST',
        'https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/', //请求URL
        [
            // JSON请求体
            'json' => [
                "business_info" => [
                    "merchant_shortname" => "上海XXX有限公司", 
                    "service_phone" => "139XXXX", 
                    "sales_info" => [
                        "mini_program_info" => [
                            "mini_program_pics" => [
                                "0" => "F8O5MNAOlYZyxZcLnWXkyk72coZ3CVX3XobPZng-xepKPTrcH_XMfrGGYLi1XFogMG9P25LSUX6gjXU5iPI74YqiRUDfORyw2d76wK3vzuQ", 
                            ],
                            "mini_program_sub_appid" => "wx76c3f74c108876c2", 
                        ],
                        "mp_info" => [
                            "mp_pics" => [
                                "0" => "F8O5MNAOlYZyxZcLnWXkys5TBxf0dyfesnyfNuquBMArHRfgCq8hDRdscDpblCcEgvgV5MkVch9IBEX7aatZCmI8k5Wdb_M8a4bYcmlg6V8", 
                            ],
                            "mp_sub_appid" => "wx85c88c63bd22651f", 
                        ],
                        "sales_scenes_type" => [
                            "0" => "SALES_SCENES_MP", 
                            "1" => "SALES_SCENES_MINI_PROGRAM", 
                        ],
                    ],
                ],
                "subject_info" => [
                    "business_license_info" => [
                        "legal_person" => "江XX", 
                        "license_copy" => "F8O5MNAOlYZyxZcLnWXkysZ5xo8fE3SHJ1pHUe6OJKmNIWtqUVyv4aY2-JLTgjDOSovWaKkBu3AbkjGuQXhesDzREu2pT_Yf_hxlFKPJMwQ", 
                        "merchant_name" => "上海XXX有限公司", 
                        "license_number" => "91310118MA1JXXXX", 
                    ],
                    "subject_type" => "SUBJECT_TYPE_ENTERPRISE", 
                    "identity_info" => [
                        "owner" => true, 
                        "id_doc_type" => "IDENTIFICATION_TYPE_IDCARD", 
                        "id_card_info" => [
                            "id_card_copy" => "F8O5MNAOlYZyxZcLnWXkyvLpqoz7MNRULxju0NqUCtLGBl_vm8Bhj9uAyuLyDART9UsA10spF9gbT3DEoM85HxPQOhMuilK0zLtOxAjPx58", 
                            "card_period_end" => "2035-12-28", 
                            "card_period_begin" => "2015-12-28", 
                            "id_card_name" => "JRMJGA7B7oSVS+krFeaQn4AvYZE2LL9tTwA+XXa9lYJU4AhS+Qheb7fhgo+D+hfa0v+ykU1BVvVo7NpCfgOYQqmYDyYF27Q/p4hB7IoqZLhJUE+hTG45VNoa9ASaKG79Hg+eGz4YTIHFGMFm1ljyg4fd5lGJixCqn38/gCfwm5x6vDOMVkFpqbUdR7klQwReGoG7iSlEpr4gZPqzItcBHiuXidMToKZTX1Lol1Lx52DHk0blcdh1CMRhv+wxQzF0lJMy/WtVyjKuB8daDbLJKTEwDx5KfkTZGHmGiaJnWY0qFX03sXsufvfB0Wj6Z37+nJnV16fplPmdr1/KEHamLw==", 
                            "id_card_national" => "F8O5MNAOlYZyxZcLnWXkyvcmQrkBXCIo2vZGUoM6ER-skL5k6IOhzeJ34tNNUggQIPfJbM_pzdg9jM4pQbkIm84_bKfi2JKNn99xIurNgwI", 
                            "id_card_number" => "V0quwnIu/PLbdQQ3/nzMqjvHtChDqed4Jpc3Iy2lgnFoWVNXguRWBHMYKHaLgLvnxLvO6TciMnrSw13QzUJD4ZnEIiks8gGTd+OCzl5Jl3F+sneQ+Js4akBnCSBQso/SERvi6vUqCeRhX1vtiFsmKtqlL8r/ssrFev4FoJEka5gGME1osTgcpMMTIR8rolIO1oXbl3e8z5RDics5xKH2Ogjzis73yq9M18ap0uRRdLWoX/cxeG3tbU1bi5jZsAU9hGHXs4BKTaHfrslsKIkqXR0f2Jpk7H5qtwAyP8glcALN7gB5DIOmBEIZ5zx2PrDm38CsZHstu0hF8beXV/PG2w==", 
                        ],
                    ],
                ],
                "business_code" => "20201126100507000003", 
                "contact_info" => [
                    "contact_name" => "AD2jwe8eYFYfeoSmBpyRYUawyQgQkUoAajOlHnQM/JzproDF7hikLDouMr5Mb1W5otvdJZYEipG0HzwLpG9NXbqP6SXSpzQFb8fY5cpuXZsIbDy70lAybF0bbxJiJw1PHSd7KpMbu0XHqwlicePLUOw7HCNV6euQsKEvtusiWsaVrNNdKXpj3ONhyAg2ws4ibc56GUVoNll3osmGLPi6/bIn3pD6sjNThgPE9UzRQax0XPwgIpafIewQiVy0GNtv5P33wqPa9pAsdEmaLXNtQr2Ddjw5SYMInen1qbVO8NP0VhuWmYiAjd1WbkNnR+gbwsilBCYYeRuFbKfqatASnA==", 
                    "mobile_phone" => "GLc5+TuqJbxLeQO+CrKeDWF+7lZq9IsidIU4zcMpus4qsE8r1qNyvVMjrZfWLrjOItiQhXqkiKZs0B4M0UWAviWwmBhNWW0BJrauBjZbGZU+pLHC/2eOetdDC4sQqHN7Xw0N4tizqeQNu49n+DbSiv0TL09EcmNUUV9rImfjpVyo77MxKhPvdg3ODwS+IVvY2Tc9q11iBgaPIQ+XwoBaJGth1wdw0GLgEFUmX02TWxjHxq7f5O1RU3LjBlt1O+56ZZYpA+zr+IjQ/TwrIDp+4nk9v1oW2wtHuwrdqKrlLyJ1/zdoqwSddLuGxp8PwSM8CKobQP8TXhJu0S9pwLbNyg==", 
                    "contact_id_number" => "iC35X6SaOx4A4BEJ4fmM2oOkYRO5rEzRh2QRdrxFD3+HwmNjxddsm1LoqfhSiV34DAO2x3Ded3q2c1LJ7NHqa3/IGCDss4FKlgIyiu5AmzQTTYwsobmvVFxeSUXA4PnH/tUTfatJOuj+9Emt7fmnpO9uWeCLIn5CXaaABrXpO4mUu8qPBaoF2jTfbwBm6QiYX58kATyRrIvBRs6VorHJydXkz3P1hCejh8sAYoJXlNHnoajI+NEwiWX9RhwUadYLbMwww68cc7Yzehp3s6an0NWuC76Y4e7FQ/i5D9ZpUvLKUoYfFsZMnHrv/PhLxmv5l8gQs9/IkmOdYfRujKZJwQ==", 
                    "contact_email" => "ggK2ABtJ8bBiBo1iM7I6R2yEvhD6WC96d07gthnPGajc4lBCKpIqXjyNX8B97vc0OilyLRNUcySbT/KUejPyu4x9W6Ok6iS4zcerfKfIQkKs+3JXIMo0bu+GyI5O0fzRrPg1Mek2okfIjVK9wiTNJTzoGyz9twMXEaqqrOTbysyhnkqfrol5dad/TPg8qNWaBO3+Ma/hr1Tr0xeHWkKX3mBySC3NW49HM51x0PvFAwnStHr/8hiGzGpqAA3yJuYdlEwey3Lv+/bMmbTq+AyrYq9xX3q+n0VHuiSnzgICPwQiP4zXsoivA0bm7DSgcP1Oa6MjpGqMOS7AU1dHyak2GQ==", 
                ],
                "bank_account_info" => [
                    "account_number" => "Bfu6CzrRWlVTLZwjEK2CCXG0KRfGoIsbYs9IYmtFcV9FTEVLCcVCRGW6DVE2hMMr7U9tSdo7QqsptXZ7Zhciandyx9kRkY/VmPywurySvCbqpOLbx3AgmQY7H6/Ye542R0uloi6Pdp5FjqY/TdnlDcTS4cqv9iqU0DqKAUt7q+L6jZ8lrSlGFPI/1RkXCGAhlTSZ/iAJYDWzcN/E0cno9BQPYCmEIWldzj7W3Tmhi1eaZYX5mlLWnTOuVmMsRXIehb4y6LCi6T0kS7/c3GOFwlTzHVaaUgFqZhOL00h2G4Cl94uZfuVNO7KTiFaWtV61muEN6JfaSnFwRDSHxhtsRg==", 
                    "bank_address_code" => "310101", 
                    "account_name" => "RVBRWZKlmzrjkDmz4uEkaLQLU5q5xErXGoWhzDNdnQjRlfn1NVHL2EtIE+B0BULFNOHrX61q13lcgo9CDal9YJ/LjZkzAAsivwJZpNSRZbAsNNjqbYiiVhdnxYpwMqtukVgZAFgx0XMovOeSGX1+Dosc2vKJSsxtUw6wJXcZbMjvsX5/xamFTvRIx1J2a/q3ODBJ9URO5O2FDhGwLx8LQnFIv7xUDM3JXw7c6+eNy1OYTVwlj3/MIDQVw2eiPjpG1vC6K6PRwCI4wFZk1QwH99Xa3Wwvf+ek54j7FQTh0N703dK6jjonL5L6Lh9ZsckLx45InkARlPnU0KQpoK5g9w==", 
                    "bank_account_type" => "BANK_ACCOUNT_TYPE_CORPORATE", 
                    "account_bank" => "招商银行", 
                ],
                "settlement_info" => [
                    "settlement_id" => "716", 
                    "qualification_type" => "零售批发/生活娱乐/网上商城/其他", 
                ]
            ],
            'headers' => [ 
		'Accept' => 'application/json',
		'Wechatpay-Serial' => 'xxxxxxxxxxxxxxxxxxxxxxxxxx',
	]
        ]
    );
    $statusCode = $resp->getStatusCode();
    if ($statusCode == 200) { //处理成功
        echo "success,return body = " . $resp->getBody()->getContents()."\n";
    } else if ($statusCode == 204) { //处理成功,无返回Body
        echo "success";
    }
} catch (RequestException $e) {
    // 进行错误处理
    echo $e->getMessage()."\n";
    if ($e->hasResponse()) {
        echo "failed,resp code = " . $e->getResponse()->getStatusCode() . " return body = " . $e->getResponse()->getBody() . "\n";
    }
    return;
}
      

 //此处请求头需增加序列号
func ApplymentSubMch() {
       // 初始化客户端
    ctx := context.TODO()
    opts, err := SetUp()
    if err != nil {
        return
    }
    client, err := core.NewClient(ctx, opts...,)
    if err != nil{
        log.Printf("init client err:%s",err)
        return
    }
//设置请求地址
  URL := "https://api.mch.weixin.qq.com/v3/payscore/serviceorder"
  //设置请求信息,此处也可以使用结构体来进行请求
  mapInfo := map[string]interface{}{
    "out_order_no": "1234323JKHDFE1243252",
    "appid": "wxd678efh567hg6787",
    "service_id": "500001",
    "service_introduction": "某某酒店",
    "post_payments": [...]interface{}{
      map[string]interface{}{
        "name": "就餐费用服务费",
        "amount": 4000,
        "description": "就餐人均100元服务费:100/小时",
        "count": 1,
     },
    },
    "post_discounts": [...]interface{}{
      map[string]interface{}{
        "name": "满20减1元",
        "description": "不与其他优惠叠加",
     },
    },
    "time_range": map[string]interface{}{
      "start_time": "20091225091010",
      "end_time": "20091225121010",
    },
    "location": map[string]interface{}{
      "start_location": "嗨客时尚主题展餐厅",
      "end_location": "嗨客时尚主题展餐厅",
    },
    "risk_fund": map[string]interface{}{
      "name": "ESTIMATE_ORDER_COST",
      "amount": 10000,
      "description": "就餐的预估费用",
    },
    "attach": "Easdfowealsdkjfnlaksjdlfkwqoi&wl3l2sald",
    "notify_url": "https://api.test.com",
    "openid": "oUpF8uMuAJO_M2pxb1Q9zNjWeS6o",
    "need_user_confirm": true,
  }

  // 发起请求
  response, err := client.Post(ctx, URL, mapInfo)
  if err != nil{
    log.Printf("client post err:%s",err)
    return
  }
  // 校验回包内容是否有逻辑错误
  err = core.CheckResponse(response)
  if err != nil{
    log.Printf("check response err:%s",err)
    return
  }
  // 读取回包信息
  body, err := ioutil.ReadAll(response.Body)
  if err != nil{
    log.Printf("read response body err:%s",err)
    return
  }
  fmt.Println(string(body))
}
    

重要入参说明

business_code:业务申请编号。

1、服务商自定义的唯一编号。
2、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。
3、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。

1、11位数字。
2、用于接收微信支付的重要管理信息及日常操作验证码。
3、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。

1、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。
2、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。

1、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。
2、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。
3、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)

注意

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)。

示例代码


public void QueryApplymentInfo() throws Exception {
    //请求URL
    HttpGet httpGet = new HttpGet("https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/business_code/1900013511_10000");
    httpGet.setHeader("Accept", "application/json");

    //完成签名并执行请求
    CloseableHttpResponse response = httpClient.execute(httpGet);

    try {
        int statusCode = response.getStatusLine().getStatusCode();
        if (statusCode == 200) { //处理成功
            System.out.println("success,return body = " + EntityUtils.toString(response.getEntity()));
        } else if (statusCode == 204) { //处理成功,无返回Body
            System.out.println("success");
        } else {
            System.out.println("failed,resp code = " + statusCode+ ",return body = " + EntityUtils.toString(response.getEntity()));
            throw new IOException("request failed");
        }
    } finally {
        response.close();
    }
}  

try {
    $resp = $client->request(
        'GET',
        'https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/business_code/1900013511_10000', //请求URL
        [
            'headers' => [ 'Accept' => 'application/json']
        ]
    );
    $statusCode = $resp->getStatusCode();
    if ($statusCode == 200) { //处理成功
        echo "success,return body = " . $resp->getBody()->getContents()."\n";
    } else if ($statusCode == 204) { //处理成功,无返回Body
        echo "success";
    }
} catch (RequestException $e) {
    // 进行错误处理
    echo $e->getMessage()."\n";
    if ($e->hasResponse()) {
        echo "failed,resp code = " . $e->getResponse()->getStatusCode() . " return body = " . $e->getResponse()->getBody() . "\n";
    }
    return;
}
      

func QueryApplymentInfo() {
       // 初始化客户端
    ctx := context.TODO()
    opts, err := SetUp()
    if err != nil {
        return
    }
    client, err := core.NewClient(ctx, opts...,)
    if err != nil{
        log.Printf("init client err:%s",err)
        return
    }
 //设置请求地址
 URL := "https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/business_code/1900013511_10000"
  // 发起请求
  response, err := client.Get(ctx, URL)
  if err != nil{
    log.Printf("client get err:%s",err)
    return
  }
  // 校验回包内容是否有逻辑错误
  err = core.CheckResponse(response)
  if err != nil{
    log.Printf("check response err:%s",err)
    return
  }
  // 读取回包信息
  body, err := ioutil.ReadAll(response.Body)
  if err != nil{
    log.Printf("read response body err:%s",err)
    return
  }
  fmt.Println(string(body))
}
}
    

重要入参说明

business_code:业务申请编号。

1、只能由数字、字母或下划线组成,建议前缀为服务商商户号。
2、服务商自定义的唯一编号。
3、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。
4、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。/p>

applyment_id:申请单号, 微信支付分配的申请单号。

注意

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。

示例代码


public void UpdateSubMchInfo() throws Exception {
    //请求URL
    HttpPost httpPost = new HttpPost("https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/190000XXX/modify-settlement");
    // 请求body参数
    String reqdata = "{"
            + "\"account_type\":\"ACCOUNT_TYPE_BUSINESS\","
            + "\"account_bank\":\"工商银行\","
            + "\"bank_address_code\":\"110000\","
            + "\"bank_name\":\"施秉县农村信用合作联社城关信用社\","
            + "\"bank_branch_id\":\"402713354941\","
            + "\"account_number\":\"d+xT+MQCvrLHUVDWv/8MR/dB7TkXM2YYZlokmXzFsWs35NXUot7C0NcxIrUF5FnxqCJHkNgKtxa6RxEYyba1+VBRLnqKG2fSy/Y5qDN08Ej9zHCwJjq52Wg1VG8MRugli9YMI1fI83KGBxhuXyemgS/hqFKsfYGiOkJqjTUpgY5VqjtL2N4l4z11T0ECB/aSyVXUysOFGLVfSrUxMPZy6jWWYGvT1+4P633f+R+ki1gT4WF/2KxZOYmli385ZgVhcR30mr4/G3HBcxi13zp7FnEeOsLlvBmI1PHN4C7Rsu3WL8sPndjXTd75kPkyjqnoMRrEEaYQE8ZRGYoeorwC+w==\""
            + "}";
    StringEntity entity = new StringEntity(reqdata,"utf-8");
    entity.setContentType("application/json");
    httpPost.setEntity(entity);
    httpPost.setHeader("Accept", "application/json");
    httpPost.setHeader("Wechatpay-Serial", "XXXXXXXXXXXX");

    //完成签名并执行请求
    CloseableHttpResponse response = httpClient.execute(httpPost);

    try {
        int statusCode = response.getStatusLine().getStatusCode();
        if (statusCode == 200) { //处理成功
            System.out.println("success,return body = " + EntityUtils.toString(response.getEntity()));
        } else if (statusCode == 204) { //处理成功,无返回Body
            System.out.println("success");
        } else {
            System.out.println("failed,resp code = " + statusCode+ ",return body = " + EntityUtils.toString(response.getEntity()));
            throw new IOException("request failed");
        }
    } finally {
        response.close();
    }
}

try {
    $resp = $client->request(
        'POST',
        'https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/190000XXX/modify-settlement', //请求URL
        [
            // JSON请求体
            'json' => [
                "account_type" => "ACCOUNT_TYPE_BUSINESS", 
                "account_bank" => "工商银行", 
                "bank_address_code" => "110000", 
                "bank_name" => "施秉县农村信用合作联社城关信用社", 
                "bank_branch_id" => "402713354941", 
                "account_number" => "d+xT+MQCvrLHUVDWv/8MR/dB7TkXM2YYZlokmXzFsWs35NXUot7C0NcxIrUF5FnxqCJHkNgKtxa6RxEYyba1+VBRLnqKG2fSy/Y5qDN08Ej9zHCwJjq52Wg1VG8MRugli9YMI1fI83KGBxhuXyemgS/hqFKsfYGiOkJqjTUpgY5VqjtL2N4l4z11T0ECB/aSyVXUysOFGLVfSrUxMPZy6jWWYGvT1+4P633f+R+ki1gT4WF/2KxZOYmli385ZgVhcR30mr4/G3HBcxi13zp7FnEeOsLlvBmI1PHN4C7Rsu3WL8sPndjXTd75kPkyjqnoMRrEEaYQE8ZRGYoeorwC+w==",
            ],
            'headers' => [ 
		'Accept' => 'application/json',
		'Wechatpay-Serial' => 'xxxxxxxxxxxxxxxxxxxxxxxxxx',
	]
        ]
    );
    $statusCode = $resp->getStatusCode();
    if ($statusCode == 200) { //处理成功
        echo "success,return body = " . $resp->getBody()->getContents()."\n";
    } else if ($statusCode == 204) { //处理成功,无返回Body
        echo "success";
    }
} catch (RequestException $e) {
    // 进行错误处理
    echo $e->getMessage()."\n";
    if ($e->hasResponse()) {
        echo "failed,resp code = " . $e->getResponse()->getStatusCode() . " return body = " . $e->getResponse()->getBody() . "\n";
    }
    return;
}
      

//此处请求头需增加序列号
func UpdateSubMchInfo() {
       // 初始化客户端
    ctx := context.TODO()
    opts, err := SetUp()
    if err != nil {
        return
    }
    client, err := core.NewClient(ctx, opts...,)
    if err != nil{
        log.Printf("init client err:%s",err)
        return
    }
 //设置请求地址
  URL := "https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/1511101111/modify-settlement"
  //设置请求信息,此处也可以使用结构体来进行请求
  mapInfo := map[string]interface{}{
    "account_type": "ACCOUNT_TYPE_BUSINESS",
    "account_bank": "工商银行",
    "bank_address_code": "110000",
    "bank_name": "施秉县农村信用合作联社城关信用社",
    "bank_branch_id": "402713354941",
    "account_number": "d+xT+MQCvrLHUVDWv/8MR/dB7TkXM2YYZlokmXzFsWs35NXUot7C0NcxIrUF5FnxqCJHkNgKtxa6RxEYyba1+VBRLnqKG2fSy/Y5qDN08Ej9zHCwJjq52Wg1VG8MRugli9YMI1fI83KGBxhuXyemgS/hqFKsfYGiOkJqjTUpgY5VqjtL2N4l4z11T0ECB/aSyVXUysOFGLVfSrUxMPZy6jWWYGvT1+4P633f+R+ki1gT4WF/2KxZOYmli385ZgVhcR30mr4/G3HBcxi13zp7FnEeOsLlvBmI1PHN4C7Rsu3WL8sPndjXTd75kPkyjqnoMRrEEaYQE8ZRGYoeorwC+w==",
  }

  // 发起请求
  response, err := client.Post(ctx, URL, mapInfo)
  if err != nil{
    log.Printf("client post err:%s",err)
    return
  }
  // 校验回包内容是否有逻辑错误
  err = core.CheckResponse(response)
  if err != nil{
    log.Printf("check response err:%s",err)
    return
  }
  // 读取回包信息
  body, err := ioutil.ReadAll(response.Body)
  if err != nil{
    log.Printf("read response body err:%s",err)
    return
  }
  fmt.Println(string(body))
}

}
    

重要入参说明

sub_mchid:特约商户号,请填写本服务商负责进件的特约商户号。特殊规则:长度最小8个字节。

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。

1、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
2、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)

注意

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。

示例代码


public void QuerySettleMent() throws Exception {
    //请求URL
    HttpGet httpGet = new HttpGet("https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/190000XXXX/settlement");
    httpGet.setHeader("Accept", "application/json");

    //完成签名并执行请求
    CloseableHttpResponse response = httpClient.execute(httpGet);

    try {
        int statusCode = response.getStatusLine().getStatusCode();
        if (statusCode == 200) { //处理成功
            System.out.println("success,return body = " + EntityUtils.toString(response.getEntity()));
        } else if (statusCode == 204) { //处理成功,无返回Body
            System.out.println("success");
        } else {
            System.out.println("failed,resp code = " + statusCode+ ",return body = " + EntityUtils.toString(response.getEntity()));
            throw new IOException("request failed");
        }
    } finally {
        response.close();
    }
}  

try {
    $resp = $client->request(
        'GET',
        'https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/190000XXXX/settlement', //请求URL
        [
            'headers' => [ 'Accept' => 'application/json']
        ]
    );
    $statusCode = $resp->getStatusCode();
    if ($statusCode == 200) { //处理成功
        echo "success,return body = " . $resp->getBody()->getContents()."\n";
    } else if ($statusCode == 204) { //处理成功,无返回Body
        echo "success";
    }
} catch (RequestException $e) {
    // 进行错误处理
    echo $e->getMessage()."\n";
    if ($e->hasResponse()) {
        echo "failed,resp code = " . $e->getResponse()->getStatusCode() . " return body = " . $e->getResponse()->getBody() . "\n";
    }
    return;
}
      

func QuerySettleMent() {
       // 初始化客户端
    ctx := context.TODO()
    opts, err := SetUp()
    if err != nil {
        return
    }
    client, err := core.NewClient(ctx, opts...,)
    if err != nil{
        log.Printf("init client err:%s",err)
        return
    }
  URL := "https://api.mch.weixin.qq.com/v3/apply4sub/sub_merchants/1900006491/settlement"
  // 发起请求
  response, err := client.Get(ctx, URL)
  if err != nil{
    log.Printf("client get err:%s",err)
    return
  }
  // 校验回包内容是否有逻辑错误
  err = core.CheckResponse(response)
  if err != nil{
    log.Printf("check response err:%s",err)
    return
  }
  // 读取回包信息
  body, err := ioutil.ReadAll(response.Body)
  if err != nil{
    log.Printf("read response body err:%s",err)
    return
  }
  fmt.Println(string(body))
}
    

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。

注意

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



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