$params = [

'business_code' => 'SUB_' . date('YmdHis') . rand(1000, 9999),

'subject_info' => [

"subject_type" => "INDIVIDUAL", // 正确字段名：type（必须是type）

'individual_license' => [

'license_copy' => base64_encode(file_get_contents(Env::get('root_path') . 'public/uploads/20250714/0a44aa7ca8139ad7f05c72e59426f526.jpg')), // 必传，营业执照照片

'license_number' => '92440101MA5XXXXXXX', // 必传，注册号

'merchant_name' => 'XX小吃店', // 必传，与执照一致

'operator' => '张三', // 必传，经营者姓名

'address' => '广东省深圳市XX区XX路XX号', // 必传，注册地址ƒƒ√

'valid_date' => '2020-01-01至长期' // 必传，有效期

],

'operator' => [

'id_card_copy' => base64_encode(file_get_contents(Env::get('root_path') . 'public/uploads/20250714/0a44aa7ca8139ad7f05c72e59426f526.jpg')), // 必传，身份证正面

'id_card_national' => base64_encode(file_get_contents(Env::get('root_path') . 'public/uploads/20250714/0a44aa7ca8139ad7f05c72e59426f526.jpg')), // 必传，身份证反面

'id_card_number' => '440301XXXXXXXXXXXX', // 必传，身份证号

'name' => '张三', // 必传，与身份证一致

'id_card_valid_time' => '2020-01-01至长期' // 必传，有效期

]

],

'contact_info' => [

'contact_name' => '张三',

'mobile_phone' => '13800138000', // 11位有效手机号

'contact_email' => 'zhangsan@example.com'

],

'business_info' => [

'merchant_shortname' => 'XX小吃店',

'service_phone' => '13800138000'

],

'settlement_info' => [

'bank_account_type' => 'ACCOUNT_TYPE_PRIVATE',

'account_name' => '张三',

'account_number' => '622848XXXXXXXXXXXX',

'bank_name' => '中国农业银行',

'bank_branch_id' => '103584000018'

]

];

$downloader = new WechatPayService();

$downloader->apply($params);

这是调用sdk

<?php

namespace app\service;

use think\Exception;

use think\facade\Config;

use WeChatPay\Builder;

use WeChatPay\Crypto\Rsa;

class WechatPayService

{

//创建一个实例

private $instance;

//商户私钥

private $merchantPrivateKeyInstance;

//商户证书序列号

private $merchantCertificateSerial;

//平台证书序列号

private $platformPublicKeyInstance;

//平台证书序列号

private $platformCertificateSerial;

//平台公钥ID

private $platformPublicKeyId;

//微信支付公钥

private $twoPlatformPublicKeyInstance;

//商户号

private $merchantId;

//加密器

private $encryptor;

/**

* 构造函数

* @param array $config 配置参数

* @throws Exception

*/

public function __construct()

{

//获取配置

$config = Config::get('main.WXPAYV3', []);

// 商户号

$this->merchantId = $config['mch_id'];

// 从本地文件中加载「商户API私钥」，「商户API私钥」会用来生成请求的签名

$this->merchantPrivateKeyInstance = Rsa::from(file_get_contents($config['private_key_path']), Rsa::KEY_TYPE_PRIVATE);

// 「商户API证书」的「证书序列号」

$this->merchantCertificateSerial = $config['cert_serial'];

// 补充平台证书（建议配置）

$this->platformPublicKeyInstance = Rsa::from(file_get_contents($config['cert_path']), Rsa::KEY_TYPE_PUBLIC);

//平台证书序列号

$this->platformCertificateSerial = $config['cert_serial_no'];

//平台公钥ID

$this->platformPublicKeyId = $config['platform_cert_id'];

// 从本地文件中加载「微信支付公钥」，用来验证微信支付应答的签名

$this->twoPlatformPublicKeyInstance = Rsa::from(file_get_contents($config['wechatpay_pub_key']), Rsa::KEY_TYPE_PUBLIC);

// 构造一个 APIv3 客户端实例

$this->instance = Builder::factory([

'mchid' => $this->merchantId,

'serial' => $this->merchantCertificateSerial,

'privateKey' => $this->merchantPrivateKeyInstance,

'verify' => false,

'certs' => [

$this->platformCertificateSerial => $this->platformPublicKeyInstance,

$this->platformPublicKeyId => $this->twoPlatformPublicKeyInstance,

],

]);

$platformPublicKeyInstance = $this->platformPublicKeyInstance;

$this->encryptor = static function (string $msg) use ($platformPublicKeyInstance): string {

return Rsa::encrypt($msg, $platformPublicKeyInstance);

};

}

//特约商户进件

public function apply($params = [])

{

$resp = $this->instance

->chain('v3/applyment4sub/applyment/')

->post([

'json' => $params,

'headers' => [

// $platformCertificateSerialOrPublicKeyId 见初始化章节

'Wechatpay-Serial' => $this->platformPublicKeyId,

],

]);

dump($resp);

}

}

报错

liyongai@DJ-Ocean-J-MacBook-Pro api % php think task

  [GuzzleHttp\Exception\ClientException]                                                                                    

  Client error: `POST https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/` resulted in a `400 Bad Request` response:  

  {"code":"PARAM_ERROR","message":"请确认待处理的消息是否为加密后的密文"}                                                   

liyongai@DJ-Ocean-J-MacBook-Pro api % php think task

  [GuzzleHttp\Exception\ClientException]                                                                                           

  Client error: `POST https://api.mch.weixin.qq.com/v3/applyment4sub/applyment/` resulted in a `400 Bad Request` response:         

  {"code":"PARAM_ERROR","detail":{"location":"body","value":"INDIVIDUAL"},"message":"无法将 JSON 输入源“/body/subj (truncated...)  

liyongai@DJ-Ocean-J-MacBook-Pro api %