最近的一个网站项目，需要实现20万已上在线付款，支付宝和微信都限额，于是只好想办法搞大额支付了，演示你可以参考下这个：http://www.erdangjiade.com/php/2751.html

1、先去申请https://www.95516.com2、支付参数，提交到银联对应接口的所有参数         支付    

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    %s            document.onreadystatechange =function(){if(document.readyState =="complete") {                document.pay_form.submit();            }        };    HTML;/**      * 构建自动提交HTML表单      *@returnstring      */publicfunctioncreatePostForm(){$this->params['signature'] =$this->sign();        $input ='';foreach($this->paramsas$key => $item) {            $input .="\t\t\n";        }returnsprintf($this->formTemplate,$this->config['frontUrl'], $input);    }/**      * 验证签名      * 验签规则：      * 除signature域之外的所有项目都必须参加验签      * 根据key值按照字典排序，然后用&拼接key=value形式待验签字符串；      * 然后对待验签字符串使用sha1算法做摘要；      * 用银联公钥对摘要和签名信息做验签操作      *      *@throws\Exception      *@returnbool      */publicfunctionverifySign(){        $publicKey =$this->getVerifyPublicKey();        $verifyArr =$this->filterBeforSign();        ksort($verifyArr);        $verifyStr =$this->arrayToString($verifyArr);        $verifySha1 = sha1($verifyStr);        $signature = base64_decode($this->params['signature']);        $result = openssl_verify($verifySha1, $signature, $publicKey);if($result ===-1) {thrownew\Exception('Verify Error:'.openssl_error_string());        }return$result ===1?true:false;    }/**      * 取签名证书ID(SN)      *@returnstring      */publicfunctiongetSignCertId(){return$this->getCertIdPfx($this->config['signCertPath']);    }/**      * 签名数据      * 签名规则:      * 除signature域之外的所有项目都必须参加签名      * 根据key值按照字典排序，然后用&拼接key=value形式待签名字符串；      * 然后对待签名字符串使用sha1算法做摘要；      * 用银联颁发的私钥对摘要做RSA签名操作      * 签名结果用base64编码后放在signature域      *      *@throws\InvalidArgumentException      *@returnmultitype|string      */privatefunctionsign(){        $signData =$this->filterBeforSign();        ksort($signData);        $signQueryString =$this->arrayToString($signData);if($this->params['signMethod'] ==01) {//签名之前先用sha1处理//echo $signQueryString;exit;$datasha1 = sha1($signQueryString);            $signed =$this->rsaSign($datasha1);        }else{thrownew\InvalidArgumentException('Nonsupport Sign Method');        }return$signed;              }/**      * 数组转换成字符串      *@paramarray $arr      *@returnstring      */privatefunctionarrayToString($arr){        $str ='';foreach($arras$key => $value) {            $str .= $key.'='.$value.'&';        }returnsubstr($str,0, strlen($str) -1);    }/**      * 过滤待签名数据      * signature域不参加签名      *      *@returnarray      */privatefunctionfilterBeforSign(){        $tmp =$this->params;unset($tmp['signature']);return$tmp;    }/**      * RSA签名数据，并base64编码      *@paramstring $data 待签名数据      *@returnmixed      */privatefunctionrsaSign($data){        $privatekey =$this->getSignPrivateKey();        $result = openssl_sign($data, $signature, $privatekey);if($result) {returnbase64_encode($signature);        }returnfalse;    }/**      * 取.pfx格式证书ID(SN)      *@returnstring      */privatefunctiongetCertIdPfx($path){        $pkcs12certdata = file_get_contents($path);        openssl_pkcs12_read($pkcs12certdata, $certs,$this->config['signCertPwd']);        $x509data = $certs['cert'];        openssl_x509_read($x509data);        $certdata = openssl_x509_parse($x509data);return$certdata['serialNumber'];    }/**      * 取.cer格式证书ID(SN)      *@returnstring      */privatefunctiongetCertIdCer($path){        $x509data = file_get_contents($path);        openssl_x509_read($x509data);        $certdata = openssl_x509_parse($x509data);return$certdata['serialNumber'];    }/**      * 取签名证书私钥      *@returnresource      */privatefunctiongetSignPrivateKey(){        $pkcs12 = file_get_contents($this->config['signCertPath']);        openssl_pkcs12_read($pkcs12, $certs,$this->config['signCertPwd']);return$certs['pkey'];    }/**      * 取验证签名证书      *@throws\InvalidArgumentException      *@returnstring      */privatefunctiongetVerifyPublicKey(){//先判断配置的验签证书是否银联返回指定的证书是否一致if($this->getCertIdCer($this->config['verifyCertPath']) !=$this->params['certId']) {thrownew\InvalidArgumentException('Verify sign cert is incorrect');        }returnfile_get_contents($this->config['verifyCertPath']);            } } [2].[代码] 配置示例 跳至 [1] [2] [3] [4]配制事例//银联支付设置'unionpay'=> [//测试环境参数'frontUrl'=>'https://101.231.204.80:5000/gateway/api/frontTransReq.do',//前台交易请求地址//'singleQueryUrl' => 'https://101.231.204.80:5000/gateway/api/queryTrans.do', //单笔查询请求地址'signCertPath'=>__DIR__.'/../keys/unionpay/test/sign/700000000000001_acp.pfx',//签名证书路径'signCertPwd'=>'000000',//签名证书密码'verifyCertPath'=>__DIR__.'/../keys/unionpay/test/verify/verify_sign_acp.cer',//验签证书路径'merId'=>'xxxxxxx',//正式环境参数//'frontUrl' => 'https://101.231.204.80:5000/gateway/api/frontTransReq.do', //前台交易请求地址//'singleQueryUrl' => 'https://101.231.204.80:5000/gateway/api/queryTrans.do', //单笔查询请求地址//'signCertPath' => __DIR__.'/../keys/unionpay/test/sign/PM_700000000000001_acp.pfx', //签名证书路径//'signCertPwd' => '000000', //签名证书密码//'verifyCertPath' => __DIR__.'/../keys/unionpay/test/verify/verify_sign_acp.cer', //验签证书路径//'merId' => 'xxxxxxxxx', //商户代码],支付事例$unionPay =newUnionPay(); $unionPay->config = Yii::$app->params['unionpay'];//上面的配置$unionPay->params = ['version'=>'5.0.0',//版本号'encoding'=>'UTF-8',//编码方式'certId'=> $unionPay->getSignCertId(),//证书ID'signature'=>'',//签名'signMethod'=>'01',//签名方式'txnType'=>'01',//交易类型'txnSubType'=>'01',//交易子类'bizType'=>'000201',//产品类型'channelType'=>'08',//渠道类型'frontUrl'=> Url::toRoute(['payment/unionpayreturn'],true),//前台通知地址'backUrl'=> Url::toRoute(['payment/unionpaynotify'],true),//后台通知地址//'frontFailUrl' => Url::toRoute(['payment/unionpayfail'], true), //失败交易前台跳转地址'accessType'=>'0',//接入类型'merId'=> Yii::$app->params['unionpay']['merId'],//商户代码'orderId'=> $orderNo,//商户订单号'txnTime'=> date('YmdHis'),//订单发送时间'txnAmt'=> $sum *100,//交易金额，单位分'currencyCode'=>'156',//交易币种];          $html = $unionPay->createPostForm();异步通知示例$unionPay =newUnionPay(); $unionPay->config = Yii::$app->params['unionpay'];          $unionPay->params = Yii::$app->request->post();//银联提交的参数if(empty($unionPay->params)) {return'fail!'; }if($unionPay->verifySign() && $unionPay->params['respCode'] =='00') {//.......}