本地开发环境支付回调调试方法可以参考：https://www.cnblogs.com/pxblog/p/11623053.html

需要自行引入相关依赖

官方文档地址：https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=14_2

用于企业向微信用户个人付款，目前支持向指定微信用户的openid付款。

官方提示

ClientCustomSSL.java

package com.weixinpay;

import org.apache.commons.lang.StringUtils;

import org.apache.http.HttpEntity;

import org.apache.http.HttpResponse;

import org.apache.http.client.methods.HttpPost;

import org.apache.http.conn.ssl.SSLConnectionSocketFactory;

import org.apache.http.conn.ssl.SSLContexts;

import org.apache.http.entity.StringEntity;

import org.apache.http.impl.client.CloseableHttpClient;

import org.apache.http.impl.client.HttpClients;

import org.apache.http.util.EntityUtils;

import javax.net.ssl.SSLContext;

import java.io.File;

import java.io.FileInputStream;

import java.security.KeyStore;

/**

 * This example demonstrates how to create secure connections with a custom SSL

 * context.

 */

public class ClientCustomSSL {

    public static String getInSsl(String url,File pkcFile,String storeId,

            String params,String contentType)

            throws Exception {

        String text = "";

        // 指定读取证书格式为PKCS12

        KeyStore keyStore = KeyStore.getInstance("PKCS12");

        // 读取本机存放的PKCS12证书文件

        FileInputStream instream = new FileInputStream(pkcFile);

        try {

            // 指定PKCS12的密码(商户ID)

            keyStore.load(instream, storeId.toCharArray());

        } finally {

            instream.close();

        }

        // Trust own CA and all self-signed certs

        SSLContext sslcontext = SSLContexts.custom().loadKeyMaterial(keyStore, storeId.toCharArray()).build();

        // Allow TLSv1 protocol only

        // 指定TLS版本

        SSLConnectionSocketFactory sslsf = new SSLConnectionSocketFactory(sslcontext, new String[] { "TLSv1" }, null,

                SSLConnectionSocketFactory.BROWSER_COMPATIBLE_HOSTNAME_VERIFIER);

        // 设置httpclient的SSLSocketFactory

        CloseableHttpClient httpclient = HttpClients.custom().setSSLSocketFactory(sslsf).build();

        try {

            HttpPost post = new HttpPost(url);

            StringEntity s = new StringEntity(params,"utf-8");

            if(StringUtils.isBlank(contentType)){

               s.setContentType("application/xml");

            }

            s.setContentType(contentType);

            post.setEntity(s);

            HttpResponse res = httpclient.execute(post);

            HttpEntity entity = res.getEntity();

            text= EntityUtils.toString(entity, "utf-8");

        } finally {

            httpclient.close();

        }

        return text;

    }

}

Num62.java

package com.weixinpay;

/**

 * 62进制数字

 */

public class Num62 {

    /**

     * 62个字母和数字，含大小写

     */

    public static final char[] N62_CHARS = {'0', '1', '2', '3', '4', '5', '6',

            '7', '8', '9', 'A', 'B', 'C', 'D', 'E', 'F', 'G', 'H', 'I', 'J',

            'K', 'L', 'M', 'N', 'O', 'P', 'Q', 'R', 'S', 'T', 'U', 'V', 'W',

            'X', 'Y', 'Z', 'a', 'b', 'c', 'd', 'e', 'f', 'g', 'h', 'i', 'j',

            'k', 'l', 'm', 'n', 'o', 'p', 'q', 'r', 's', 't', 'u', 'v', 'w',

            'x', 'y', 'z'};

}

PaymentConfig.java

package com.weixinpay;

public class PaymentConfig {

    /*******微信支付参数*********/

    //公众账号ID

    public static final String appid="wxd3e";

    //密钥 key设置路径：微信商户平台(pay.weixin.qq.com)-->账户设置-->API安全-->密钥设置

    public static final String appKey="abcde";

    //商户号

    public static final String mch_id="15849";

    //转账请求接口地址

    public static final String pay_url="https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers";

}

PayUtil.java

package com.weixinpay;

import org.apache.commons.lang.StringUtils;

import org.jdom.Document;

import org.jdom.Element;

import org.jdom.JDOMException;

import org.jdom.input.SAXBuilder;

import java.io.ByteArrayInputStream;

import java.io.IOException;

import java.io.InputStream;

import java.security.MessageDigest;

import java.util.*;

public class PayUtil {

    /**

     * UTF-8编码

     */

    public static final String UTF8 = "UTF-8";

    /**

    * 将需要传递给微信的参数转成xml格式

    * @param parameters

    * @return

    */

    public static String assembParamToXml(Map<String,String> parameters){

        StringBuffer sb = new StringBuffer();

        sb.append("<xml>");

        Set<String> es = parameters.keySet();

        List<Object> list=new ArrayList<Object>(es);

        Object[] ary =list.toArray();

        Arrays.sort(ary);

        list=Arrays.asList(ary);

        Iterator<Object> it = list.iterator();

        while(it.hasNext()) {

            String key =  (String) it.next();

            String val=(String) parameters.get(key);

            if ("attach".equalsIgnoreCase(key)||"body".equalsIgnoreCase(key)||"sign".equalsIgnoreCase(key)) {

                sb.append("<"+key+">"+"<![CDATA["+val+"]]></"+key+">");

            }else {

                sb.append("<"+key+">"+val+"</"+key+">");

            }

        }

        sb.append("</xml>");

        return sb.toString();

    }

    /**

     * 解析xml,返回第一级元素键值对。如果第一级元素有子节点，则此节点的值是子节点的xml数据。

     * @param strxml

     * @return

     * @throws JDOMException

     * @throws IOException

     */

    public static Map parseXMLToMap(String strxml) throws JDOMException, IOException {

        strxml = strxml.replaceFirst("encoding=\".*\"", "encoding=\""+UTF8+"\"");

        if(null == strxml || "".equals(strxml)) {

            return null;

        }

        Map m = new HashMap();

        InputStream in = new ByteArrayInputStream(strxml.getBytes(UTF8));

        SAXBuilder builder = new SAXBuilder();

        Document doc = builder.build(in);

        Element root = doc.getRootElement();

        List list = root.getChildren();

        Iterator it = list.iterator();

        while(it.hasNext()) {

            Element e = (Element) it.next();

            String k = e.getName();

            String v = "";

            List children = e.getChildren();

            if(children.isEmpty()) {

                v = e.getTextNormalize();

            } else {

                v =PayUtil.getChildrenText(children);

            }

            m.put(k, v);

        }

        //关闭流

        in.close();

        return m;

    }

    /**

     * 获取子结点的xml

     * @param children

     * @return String

     */

    public static String getChildrenText(List children) {

        StringBuffer sb = new StringBuffer();

        if(!children.isEmpty()) {

            Iterator it = children.iterator();

            while(it.hasNext()) {

                Element e = (Element) it.next();

                String name = e.getName();

                String value = e.getTextNormalize();

                List list = e.getChildren();

                sb.append("<" + name + ">");

                if(!list.isEmpty()) {

                    sb.append(getChildrenText(list));

                }

                sb.append(value);

                sb.append("</" + name + ">");

            }

        }

        return sb.toString();

    }

    /**

    * 微信支付签名sign

    * @param param

    * @param key

    * @return

    */

    public static String createSign(Map<String, String> param,String key){

        //签名步骤一：按字典排序参数

        List list=new ArrayList(param.keySet());

        Object[] ary =list.toArray();

        Arrays.sort(ary);

        list=Arrays.asList(ary);

        String str="";

        for(int i=0;i<list.size();i++){

            str+=list.get(i)+"="+param.get(list.get(i)+"")+"&";

        }

        //签名步骤二：加上key

        str+="key="+key;

        //步骤三：加密并大写

        str=PayUtil.MD5Encode(str,"utf-8").toUpperCase();

        return str;

    }

    public static String MD5Encode(String origin,String charsetName){

        String resultString=null;

        try{

            resultString=new String(origin);

            MessageDigest md=MessageDigest.getInstance("MD5");

            if(StringUtils.isBlank(charsetName)){

                resultString=byteArrayToHexString(md.digest(resultString.getBytes()));

            }else{

                resultString=byteArrayToHexString(md.digest(resultString.getBytes(charsetName)));

            }

        }catch(Exception e){

        }

        return resultString;

    }

    public static String byteArrayToHexString(byte b[]){

        StringBuffer resultSb=new StringBuffer();

        for(int i=0;i<b.length;i++){

            resultSb.append(PayUtil.byteToHexString(b[i]));

        }

        return resultSb.toString();

    }

    public static String byteToHexString(byte b){

        int n=b;

        if(n<0){

            n+=256;

        }

        int d1=n/16;

        int d2=n%16;

        return PayUtil.hexDigits[d1]+PayUtil.hexDigits[d2];

    }

    public static final String hexDigits[]={ "0", "1", "2", "3", "4", "5",

    "6", "7", "8", "9", "a", "b", "c", "d", "e", "f" };

    /**

     * 元转换为分

     * @param amount

     */

    public static String changeY2F(Double amount){

            String currency =  amount.toString();

            int index = currency.indexOf(".");

            int length = currency.length();

            Long amLong = 0l;

            if(index == -1){

                amLong = Long.valueOf(currency+"00");

            }else if(length - index >= 3){

                amLong = Long.valueOf((currency.substring(0, index+3)).replace(".", ""));

            }else if(length - index == 2){

                amLong = Long.valueOf((currency.substring(0, index+2)).replace(".", "")+0);

            }else{

                amLong = Long.valueOf((currency.substring(0, index+1)).replace(".", "")+"00");

            }

            return amLong.toString();

    }

}

WeixinPay.java

package com.weixinpay;

import org.apache.commons.lang.RandomStringUtils;

import java.io.File;

import java.util.HashMap;

import java.util.Map;

public class WeixinPay {

    /**

     * 企业付款接口  用于企业向微信用户个人付款

     * 目前支持向指定微信用户的openid付款。

     * @param pkcFile  商户证书文件

     * @param orderNo  订单编号

     * @param weixinOpenId  要付款的用户openid

     * @param realname  收款用户姓名

     * @param payAmount 转账金额

     * @param desc  企业付款备注

     * @param ip  ip地址

     * @return

     */

    public static Object[] payToUser(File pkcFile, String orderNo, String weixinOpenId, String realname

            , Double payAmount, String desc, String ip) {

        Map<String, String> paramMap = new HashMap<String, String>();

        // 公众账号appid[必填]

        paramMap.put("mch_appid", PaymentConfig.appid);

        // 微信支付分配的商户号 [必填]

        paramMap.put("mchid", PaymentConfig.mch_id);

        // 终端设备号(门店号或收银设备ID)，注意：PC网页或公众号内支付请传"WEB" [非必填]

        paramMap.put("device_info", "WEB");

        // 随机字符串，不长于32位。 [必填]

        paramMap.put("nonce_str", RandomStringUtils.random(16, Num62.N62_CHARS));

        // 商户订单号,需保持唯一性[必填]

        paramMap.put("partner_trade_no", orderNo);

        // 商户appid下，某用户的openid[必填]

        paramMap.put("openid", weixinOpenId);

        //校验用户姓名选项   NO_CHECK：不校验真实姓名 FORCE_CHECK：强校验真实姓名

        paramMap.put("check_name", "OPTION_CHECK");

        //收款用户姓名,如果check_name设置为FORCE_CHECK，则必填用户真实姓名

        paramMap.put("re_user_name", realname);

        // 企业付款金额，金额必须为整数 单位为分 [必填]

        paramMap.put("amount", PayUtil.changeY2F(payAmount));

        // 企业付款描述信息 [必填]

        paramMap.put("desc", desc);

        // 调用接口的机器Ip地址[必填]

        paramMap.put("spbill_create_ip", ip);

        // 根据微信签名规则，生成签名

        paramMap.put("sign",

                PayUtil.createSign(paramMap, PaymentConfig.appKey));

        // 把参数转换成XML数据格式

        String xmlWeChat = PayUtil.assembParamToXml(paramMap);

        String resXml = "";

        boolean postError = false;

        try {

            resXml = ClientCustomSSL.getInSsl(PaymentConfig.pay_url, pkcFile, PaymentConfig.mch_id

                    , xmlWeChat, "application/xml");

        } catch (Exception e1) {

            postError = true;

            e1.printStackTrace();

        }

        Object[] result = new Object[2];

        result[0] = postError;

        result[1] = resXml;

        return result;

    }

}

商户证书说明：https://pay.weixin.qq.com/wiki/doc/api/tools/mch_pay.php?chapter=4_3

控制器调用类

PayContoller.java

package com.weixinpay;

import org.springframework.stereotype.Controller;

import org.springframework.web.bind.annotation.RequestMapping;

import java.io.File;

import java.util.HashMap;

import java.util.Map;

@Controller

public class PayContoller {

    /**

     * 企业付款到用户个人微信

     * 简单demo 需要自行完善逻辑

     * @return

     */

    @RequestMapping(value = "/transfers")

    public String transfers() {

        File pkcFile = new File("商户证书路径");

        String orderNo = "订单编号 可以参考：https://www.cnblogs.com/pxblog/p/12818067.html";

        String weixinOpenId = "用户的openid 可以参考：https://www.cnblogs.com/pxblog/p/10542698.html";

        String realname = "用户的真实姓名";

        //转账的金额  金额格式转换可以参考 https://www.cnblogs.com/pxblog/p/13186037.html

        Double payAmount = 0.01;

        String desc = "企业付款备注";

        String ip = "ip地址 可以参考：https://www.cnblogs.com/pxblog/p/13360768.html";

        Object result[] = WeixinPay.payToUser(pkcFile, orderNo, weixinOpenId, realname, payAmount, desc, ip);

        String resXml = (String) result[1];

        boolean postError = (Boolean) result[0];

        if (!postError) {

            Map<String, String> map = new HashMap<String, String>();

            try {

                map = PayUtil.parseXMLToMap(resXml);

            } catch (Exception e) {

                e.printStackTrace();

            }

            String returnCode = map.get("return_code");

            if (returnCode.equalsIgnoreCase("FAIL")) {

                //支付失败

                return map.get("return_msg");

            } else if (returnCode.equalsIgnoreCase("SUCCESS")) {

                if (map.get("err_code") != null) {

                    //支付失败

                    return map.get("err_code_des");

                } else if (map.get("result_code").equalsIgnoreCase(

                        "SUCCESS")) {

                    //支付成功  paymentNo：微信付款单号  payment_time：付款成功时间

                    String paymentNo = map.get("payment_no");

                    String payment_time = map.get("payment_time");

                    try {

                        //如果是体现操作，在这里处理体现订单的状态，把状态转为提现成功

                    } catch (Exception e) {

                        e.printStackTrace();

                    }

                    return "返回到成功的页面";

                }

            }

        }

        return "返回通信失败的错误页面";

    }

}

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