发起转账并完成自动收款授权

商家转账用户确认模式下，用户申请收款时，商户可通过此接口申请创建转账单。若传入自动收款授权信息，在用户确认收款的过程中会同时引导用户确认自动收款授权。

请求参数	类型	描述
json	object	声明请求的`JSON`数据结构
appid	string	商户AppID
out_bill_no	string	商户单号
openid	string	收款用户OpenID
user_name	string	收款用户姓名
transfer_amount	number	转账金额
transfer_remark	string	转账备注
notify_url	string	通知地址
user_recv_perception	string	用户收款感知
transfer_scene_id	string	转账场景ID `1000` \| `1002` \| `1004` \| `1005` \| `1009` \| `1010` \| `1011` \| `1013` 枚举值之一
transfer_scene_report_infos	object[]	转账场景报备信息
info_type	string	信息类型
info_content	string	信息内容
authorization_info	object	自动收款授权信息
user_display_name	string	用户展示名称
out_authorization_no	string	商户侧授权单号
authorization_notify_url	string	自动收款授权结果通知地址
sponsor_mchid	string	出资商户号
headers	object	声明请求的头参数
Wechatpay-Serial	string	微信支付公钥ID/平台证书序列号

php

$instance->v3->fundApp->mchTransfer->transferBills->preTransferWithAuthorization->postAsync([
  'json' => [
    'appid'                       => 'wxf636efh567hg4356',
    'out_bill_no'                 => 'plfk2020042013',
    'openid'                      => 'o-MYE42l80oelYMDE34nYD456Xoy',
    'user_name'                   => '757b340b45ebef5467rter35gf464344v3542sdf4t6re4tb4f54ty45t4yyry45',
    'transfer_amount'             => 400000,
    'transfer_remark'             => '2020年4月报销',
    'notify_url'                  => 'https://www.weixin.qq.com/wxpay/pay.php',
    'user_recv_perception'        => '现金奖励',
    'transfer_scene_id'           => '1000',
    'transfer_scene_report_infos' => [[
      'info_type'    => '活动名称',
      'info_content' => '注册会员有礼',
    ],],
    'authorization_info'          => [
      'user_display_name'        => 'wx_123456',
      'out_authorization_no'     => 'plfk2020042013',
      'authorization_notify_url' => 'https://www.weixin.qq.com/wxpay/pay.php',
    ],
    'sponsor_mchid'               => '1900001109',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();

php

$instance->chain('v3/fund-app/mch-transfer/transfer-bills/pre-transfer-with-authorization')->postAsync([
  'json' => [
    'appid'                       => 'wxf636efh567hg4356',
    'out_bill_no'                 => 'plfk2020042013',
    'openid'                      => 'o-MYE42l80oelYMDE34nYD456Xoy',
    'user_name'                   => '757b340b45ebef5467rter35gf464344v3542sdf4t6re4tb4f54ty45t4yyry45',
    'transfer_amount'             => 400000,
    'transfer_remark'             => '2020年4月报销',
    'notify_url'                  => 'https://www.weixin.qq.com/wxpay/pay.php',
    'user_recv_perception'        => '现金奖励',
    'transfer_scene_id'           => '1000',
    'transfer_scene_report_infos' => [[
      'info_type'    => '活动名称',
      'info_content' => '注册会员有礼',
    ],],
    'authorization_info'          => [
      'user_display_name'        => 'wx_123456',
      'out_authorization_no'     => 'plfk2020042013',
      'authorization_notify_url' => 'https://www.weixin.qq.com/wxpay/pay.php',
    ],
    'sponsor_mchid'               => '1900001109',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();

php

$instance['v3/fund-app/mch-transfer/transfer-bills/pre-transfer-with-authorization']->postAsync([
  'json' => [
    'appid'                       => 'wxf636efh567hg4356',
    'out_bill_no'                 => 'plfk2020042013',
    'openid'                      => 'o-MYE42l80oelYMDE34nYD456Xoy',
    'user_name'                   => '757b340b45ebef5467rter35gf464344v3542sdf4t6re4tb4f54ty45t4yyry45',
    'transfer_amount'             => 400000,
    'transfer_remark'             => '2020年4月报销',
    'notify_url'                  => 'https://www.weixin.qq.com/wxpay/pay.php',
    'user_recv_perception'        => '现金奖励',
    'transfer_scene_id'           => '1000',
    'transfer_scene_report_infos' => [[
      'info_type'    => '活动名称',
      'info_content' => '注册会员有礼',
    ],],
    'authorization_info'          => [
      'user_display_name'        => 'wx_123456',
      'out_authorization_no'     => 'plfk2020042013',
      'authorization_notify_url' => 'https://www.weixin.qq.com/wxpay/pay.php',
    ],
    'sponsor_mchid'               => '1900001109',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();

php

$response = $instance->v3->fundApp->mchTransfer->transferBills->preTransferWithAuthorization->post([
  'json' => [
    'appid'                       => 'wxf636efh567hg4356',
    'out_bill_no'                 => 'plfk2020042013',
    'openid'                      => 'o-MYE42l80oelYMDE34nYD456Xoy',
    'user_name'                   => '757b340b45ebef5467rter35gf464344v3542sdf4t6re4tb4f54ty45t4yyry45',
    'transfer_amount'             => 400000,
    'transfer_remark'             => '2020年4月报销',
    'notify_url'                  => 'https://www.weixin.qq.com/wxpay/pay.php',
    'user_recv_perception'        => '现金奖励',
    'transfer_scene_id'           => '1000',
    'transfer_scene_report_infos' => [[
      'info_type'    => '活动名称',
      'info_content' => '注册会员有礼',
    ],],
    'authorization_info'          => [
      'user_display_name'        => 'wx_123456',
      'out_authorization_no'     => 'plfk2020042013',
      'authorization_notify_url' => 'https://www.weixin.qq.com/wxpay/pay.php',
    ],
    'sponsor_mchid'               => '1900001109',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
]);
print_r(json_decode((string) $response->getBody(), true));

php

$response = $instance->chain('v3/fund-app/mch-transfer/transfer-bills/pre-transfer-with-authorization')->post([
  'json' => [
    'appid'                       => 'wxf636efh567hg4356',
    'out_bill_no'                 => 'plfk2020042013',
    'openid'                      => 'o-MYE42l80oelYMDE34nYD456Xoy',
    'user_name'                   => '757b340b45ebef5467rter35gf464344v3542sdf4t6re4tb4f54ty45t4yyry45',
    'transfer_amount'             => 400000,
    'transfer_remark'             => '2020年4月报销',
    'notify_url'                  => 'https://www.weixin.qq.com/wxpay/pay.php',
    'user_recv_perception'        => '现金奖励',
    'transfer_scene_id'           => '1000',
    'transfer_scene_report_infos' => [[
      'info_type'    => '活动名称',
      'info_content' => '注册会员有礼',
    ],],
    'authorization_info'          => [
      'user_display_name'        => 'wx_123456',
      'out_authorization_no'     => 'plfk2020042013',
      'authorization_notify_url' => 'https://www.weixin.qq.com/wxpay/pay.php',
    ],
    'sponsor_mchid'               => '1900001109',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
]);
print_r(json_decode((string) $response->getBody(), true));

php

$response = $instance['v3/fund-app/mch-transfer/transfer-bills/pre-transfer-with-authorization']->post([
  'json' => [
    'appid'                       => 'wxf636efh567hg4356',
    'out_bill_no'                 => 'plfk2020042013',
    'openid'                      => 'o-MYE42l80oelYMDE34nYD456Xoy',
    'user_name'                   => '757b340b45ebef5467rter35gf464344v3542sdf4t6re4tb4f54ty45t4yyry45',
    'transfer_amount'             => 400000,
    'transfer_remark'             => '2020年4月报销',
    'notify_url'                  => 'https://www.weixin.qq.com/wxpay/pay.php',
    'user_recv_perception'        => '现金奖励',
    'transfer_scene_id'           => '1000',
    'transfer_scene_report_infos' => [[
      'info_type'    => '活动名称',
      'info_content' => '注册会员有礼',
    ],],
    'authorization_info'          => [
      'user_display_name'        => 'wx_123456',
      'out_authorization_no'     => 'plfk2020042013',
      'authorization_notify_url' => 'https://www.weixin.qq.com/wxpay/pay.php',
    ],
    'sponsor_mchid'               => '1900001109',
  ],
  'headers' => [
    'Wechatpay-Serial' => 'PUB_KEY_ID_0114232134912410000000000000',
  ],
]);
print_r(json_decode((string) $response->getBody(), true));

转账场景ID(transfer_scene_id) 及转账场景报备信息(transfer_scene_report_infos) 有如下固定搭配组合要求:

php

'transfer_scene_id'           => '1000', // 现金营销
'transfer_scene_report_infos' => [       // 固定传两组
  [
    'info_type'    => '活动名称',   // 固定值
    'info_content' => '新会员有礼', // 示例值
  ],
  [
    'info_type'    => '奖励说明',   // 固定值
    'info_content' => '抽奖一等奖', // 示例值
  ],
],

php

'transfer_scene_id'           => '1002', // 行政补贴
'transfer_scene_report_infos' => [       // 固定传一组
  [
    'info_type'    => '补贴类型', // 固定值
    'info_content' => '购车补贴', // 示例值
  ],
],

php

'transfer_scene_id'           => '1004', // 保险理赔
'transfer_scene_report_infos' => [       // 固定传三组
  [
    'info_type'    => '保险产品备案编号', // 固定值
    'info_content' => '01212121212',   // 示例值
  ],
  [
    'info_type'    => '保险名称', // 固定值
    'info_content' => '意外险',  // 示例值
  ],
  [
    'info_type'    => '保险操作单号',  // 固定值
    'info_content' => '12121245442', // 示例值
  ],
],

php

'transfer_scene_id'           => '1005', // 佣金报酬
'transfer_scene_report_infos' => [       // 固定传两组
  [
    'info_type'    => '岗位类型', // 固定值
    'info_content' => '外卖员',  // 示例值
  ],
  [
    'info_type'    => '报酬说明',    // 固定值
    'info_content' => '7月份配送费', // 示例值
  ],
],

php

'transfer_scene_id'           => '1009', // 采购货款
'transfer_scene_report_infos' => [       // 固定传一组
  [
    'info_type'    => '采购商品名称',   // 固定值
    'info_content' => '戴尔笔记本电脑', // 示例值
  ],
],

php

'transfer_scene_id'           => '1010', // 二手回收
'transfer_scene_report_infos' => [       // 固定传一组
  [
    'info_type'    => '回收商品名称', // 固定值
    'info_content' => '塑料瓶',      // 示例值
  ],
],

php

'transfer_scene_id'           => '1011', // 企业赔付
'transfer_scene_report_infos' => [       // 固定传一组
  [
    'info_type'    => '赔付原因',        // 固定值
    'info_content' => '商品质量问题退款', // 示例值
  ],
],

php

'transfer_scene_id'           => '1013', // 公益补助
'transfer_scene_report_infos' => [       // 固定传两组
  [
    'info_type'    => '公益活动名称',      // 固定值
    'info_content' => '在民政部的备案名称', // 示例值
  ],
  [
    'info_type'    => '公益活动备案编号',   // 固定值
    'info_content' => '在民政部的备案编号', // 示例值
  ],
],

返回字典	类型	描述
out_bill_no	string	商户单号
transfer_bill_no	string	微信转账单号
create_time	string	单据创建时间
state	string	单据状态 `ACCEPTED` \| `PROCESSING` \| `WAIT_USER_CONFIRM` \| `TRANSFERING` \| `SUCCESS` \| `CANCELING` 枚举值之一
package_info	string	跳转领取页面的package信息
user_display_name	string	用户展示名称
out_authorization_no	string	商户侧授权单号

参阅官方文档

直连商户模式

合作伙伴模式

直连商户模式

合作伙伴模式

直连商户模式

合作伙伴模式

区块链电子发票

自建/三方模式

二级商户授权

即时(需用户确认)模式

预约模式

电子回单

免确认

免确认

直连商户模式

合作伙伴模式

进件(融合钱包)

基础支付

账单

清关报关

发起转账并完成自动收款授权 ​

发起转账并完成自动收款授权