How to use PHP to implement Alipay transfer function

With the development of the Internet, more and more people choose to use mobile payments to complete daily consumption. As one of the most popular mobile payment tools, Alipay is widely used in various fields. In this era, many businesses and individuals need to use Alipay to transfer money. Therefore, it is becoming increasingly important to develop an application that can transfer money using Alipay, and PHP is a programming language that is very suitable for achieving this goal.

The specific implementation method of Alipay transfer has been given detailed documentation on the Alipay open platform. Developers only need to apply for a developer account in the Alipay Developer Center and obtain key information such as the developer's AppID, private key, public key, and Alipay gateway, and then they can start using Alipay's API for transfer operations.

First of all, we need to use PHP to interact with the Alipay development platform. We can use PHP's curl function to send a request to the Alipay server and get the returned results.

function curl_post($url,$data){
    $ch = curl_init();
    curl_setopt($ch, CURLOPT_URL, $url);
    curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
    curl_setopt($ch, CURLOPT_POST, 1);
    curl_setopt($ch, CURLOPT_POSTFIELDS, $data);
    curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, false);
    curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, false);
    $result = curl_exec($ch);
    curl_close($ch);
    return $result;
}

After obtaining the API of Alipay open platform, we can use PHP to implement the transfer function. The interface document of Alipay transfer provides two methods: single transfer and batch transfer. Here we only introduce the method of single transfer.

First of all, we need to prepare some necessary parameters, such as: merchant order number, transfer amount, payee account, payee’s real name, transfer notes, etc. These parameters can be determined based on specific business needs.

The following is a code example of a simple Alipay transfer function:

function transfer($order_no, $amount, $payee_account, $payee_name, $remark){
    $params = array(
        'app_id' => 'XXXXX',
        'method' => 'alipay.fund.trans.toaccount.transfer',
        'format' => 'JSON',
        'charset' => 'utf-8',
        'sign_type'=> 'RSA2',
        'timestamp' => date('Y-m-d H:i:s'),
        'version' => '1.0',
        'biz_content' => json_encode(array(
            'out_biz_no' => $order_no,
            'payee_type' => 'ALIPAY_LOGONID',
            'payee_account' => $payee_account,
            'amount' => $amount,
            'payer_show_name' => '转账说明', 
            'payee_real_name' => $payee_name,
            'remark' => $remark
        ))
    );

    ksort($params);
    $stringToBeSigned = '';
    foreach ($params as $k => $v){
        if(!empty($v)){
            $stringToBeSigned .= "$k=" . urlencode($v) . "&";
        }
    }

    $stringToBeSigned = rtrim($stringToBeSigned, "&");
    $private_key = "XXXXX"; // 替换为自己的私钥
    $sign = '';
    openssl_sign($stringToBeSigned, $sign, $private_key,OPENSSL_ALGO_SHA256);
    $sign = base64_encode($sign);
    $params['sign'] = $sign;
    $requestUrl = "https://openapi.alipay.com/gateway.do?" . http_build_query($params);
    $result = curl_post($requestUrl, '');
    return json_decode($result, true);
}

This function mainly completes the following functions:

• Construction parameters, including Alipay opening The platform's AppID, request method name, format, signature type, timestamp and other information, as well as the business parameters required to call the API interface.
• Sign the request parameters.
• Send the request parameters to the Alipay server and obtain the response result.
• Return the transfer result.

Before calling this function, we need to obtain our own private key and assign it to the $private_key variable. In addition, the $payee_account parameter can be an Alipay account or mobile phone number. The type of the $amount parameter is a string, the unit is yuan, and two decimal places are retained.

Alipay transfers not only support single transfers, but also batch transfers. The business scenarios for batch transfer are very wide, such as: bonus distribution, commission settlement, salary payment, etc. If your business needs are more complex, you can consider using the batch transfer API to achieve it.

To summarize, it is not difficult to use PHP to implement the Alipay transfer function. You only need to master a certain PHP programming foundation and understand the API documents provided by the Alipay open platform. Hope this article can be helpful to you.

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