付款到零钱代码实现如下：

1、支付方法

@Service
@AllArgsConstructor
public class PayService {
/**
     * 企业付款到零钱
     * @param openid
     * @param no
     * @param userName
     * @param amount
     * @throws WxPayException
     */
    public Map<String,String> entPay(String openid,String no,String userName,Integer amount) throws Exception{
        String mchId = "xxx";//商户号ID
        String appid = "xxx";//appid
        String key = "xxx";//商户号Key
        String certFile = "C:\\Users\\Administrator\\Desktop\\apiclient_cert.p12";//api证书文件存放路径
        Map<String,String> parameterMap = new TreeMap<>();
        parameterMap.put("amount", amount.toString());
        parameterMap.put("check_name", "NO_CHECK");//不验证用户真实姓名
        parameterMap.put("mch_appid", appid);
        parameterMap.put("mchid", mchId);
        parameterMap.put("partner_trade_no", no);
        parameterMap.put("nonce_str", WxPayUtils.generateNonceStr());
        parameterMap.put("openid", openid);
//        parameterMap.put("re_user_name", userName);
        parameterMap.put("spbill_create_ip", "127.0.0.1");
        parameterMap.put("desc","提现");
        parameterMap.put("sign", WxPayUtils.generateSignature(parameterMap,key,"MD5"));
        String reuqestXml = WxPayUtils.mapToXml(parameterMap);
        System.out.println("微信企业付款到零钱请求集合"+reuqestXml);
        //发送请求到企业付款到零钱的Api。发送请求是一个方法来的POST
        String wxUrl = "https://api.mch.weixin.qq.com/mmpaymkttransfers/promotion/transfers"; //获取付款到零钱的api接口
        //调用方法发送了
        String weixinPost = HttpUtil.HttpClientSSL(reuqestXml,mchId,wxUrl,certFile);
        //解析返回的xml数据
        System.out.println("微信企业付款到零钱返回结果"+weixinPost);
        Map<String, String> resultMap = WxPayUtils.xmlToMap(weixinPost);
        return resultMap;
    }
}

2、工具类 

import org.slf4j.Logger;
import org.slf4j.LoggerFactory;
import org.w3c.dom.Node;
import org.w3c.dom.NodeList;

import javax.xml.parsers.DocumentBuilder;
import javax.xml.transform.OutputKeys;
import javax.xml.transform.Transformer;
import javax.xml.transform.TransformerFactory;
import javax.xml.transform.dom.DOMSource;
import javax.xml.transform.stream.StreamResult;
import java.io.ByteArrayInputStream;
import java.io.InputStream;
import java.io.StringWriter;
import java.security.MessageDigest;
import java.security.SecureRandom;
import java.util.*;

public class WxPayUtils {

    private static final String SYMBOLS = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ";

    private static final Random RANDOM = new SecureRandom();
    /**
     * XML格式字符串转换为Map
     *
     * @param strXML XML字符串
     * @return XML数据转换后的Map
     * @throws Exception
     */
    public static Map<String, String> xmlToMap(String strXML) throws Exception {
        try {
            Map<String, String> data = new HashMap<String, String>();
            DocumentBuilder documentBuilder = WXPayXmlUtil.newDocumentBuilder();
            InputStream stream = new ByteArrayInputStream(strXML.getBytes("UTF-8"));
            org.w3c.dom.Document doc = documentBuilder.parse(stream);
            doc.getDocumentElement().normalize();
            NodeList nodeList = doc.getDocumentElement().getChildNodes();
            for (int idx = 0; idx < nodeList.getLength(); ++idx) {
                Node node = nodeList.item(idx);
                if (node.getNodeType() == Node.ELEMENT_NODE) {
                    org.w3c.dom.Element element = (org.w3c.dom.Element) node;
                    data.put(element.getNodeName(), element.getTextContent());
                }
            }
            try {
                stream.close();
            } catch (Exception ex) {
                // do nothing
            }
            return data;
        } catch (Exception ex) {
            WxPayUtils.getLogger().warn("Invalid XML, can not convert to map. Error message: {}. XML content: {}", ex.getMessage(), strXML);
            throw ex;
        }

    }

    /**
     * 将Map转换为XML格式的字符串
     *
     * @param data Map类型数据
     * @return XML格式的字符串
     * @throws Exception
     */
    public static String mapToXml(Map<String, String> data) throws Exception {
        org.w3c.dom.Document document = WXPayXmlUtil.newDocument();
        org.w3c.dom.Element root = document.createElement("xml");
        document.appendChild(root);
        for (String key: data.keySet()) {
            String value = data.get(key);
            if (value == null) {
                value = "";
            }
            value = value.trim();
            org.w3c.dom.Element filed = document.createElement(key);
            filed.appendChild(document.createTextNode(value));
            root.appendChild(filed);
        }
        TransformerFactory tf = TransformerFactory.newInstance();
        Transformer transformer = tf.newTransformer();
        DOMSource source = new DOMSource(document);
        transformer.setOutputProperty(OutputKeys.ENCODING, "UTF-8");
        transformer.setOutputProperty(OutputKeys.INDENT, "yes");
        StringWriter writer = new StringWriter();
        StreamResult result = new StreamResult(writer);
        transformer.transform(source, result);
        String output = writer.getBuffer().toString(); //.replaceAll("\n|\r", "");
        try {
            writer.close();
        }
        catch (Exception ex) {
        }
        return output;
    }


    /**
     * 获取随机字符串 Nonce Str
     *
     * @return String 随机字符串
     */
    public static String generateNonceStr() {
        char[] nonceChars = new char[32];
        for (int index = 0; index < nonceChars.length; ++index) {
            nonceChars[index] = SYMBOLS.charAt(RANDOM.nextInt(SYMBOLS.length()));
        }
        return new String(nonceChars);
    }
    public static String generateSignature(Map<String, String> data, String key, String signType) throws Exception {
        Set<String> keySet = data.keySet();
        String[] keyArray = keySet.toArray(new String[keySet.size()]);
        Arrays.sort(keyArray);
        StringBuilder sb = new StringBuilder();
        for (String k : keyArray) {
            if (k.equals("sign")) {
                continue;
            }
            if (data.get(k).trim().length() > 0) // 参数值为空，则不参与签名
                sb.append(k).append("=").append(data.get(k).trim()).append("&");
        }
        sb.append("key=").append(key);
        if ("MD5".equals(signType)) {
            return MD5(sb.toString()).toUpperCase();
        }
        else {
            throw new Exception(String.format("Invalid sign_type: %s", signType));
        }
    }
    /**
     * 生成 MD5
     *
     * @param data 待处理数据
     * @return MD5结果
     */
    public static String MD5(String data) throws Exception {
        java.security.MessageDigest md = MessageDigest.getInstance("MD5");
        byte[] array = md.digest(data.getBytes("UTF-8"));
        StringBuilder sb = new StringBuilder();
        for (byte item : array) {
            sb.append(Integer.toHexString((item & 0xFF) | 0x100).substring(1, 3));
        }
        return sb.toString().toUpperCase();
    }
    /**
     * 日志
     * @return
     */
    public static Logger getLogger() {
        Logger logger = LoggerFactory.getLogger("wxpay java sdk");
        return logger;
    }
}

3、xml工具类 

import org.w3c.dom.Document;

import javax.xml.XMLConstants;
import javax.xml.parsers.DocumentBuilder;
import javax.xml.parsers.DocumentBuilderFactory;
import javax.xml.parsers.ParserConfigurationException;

/**
 * 2018/7/3
 */
public final class WXPayXmlUtil {
    public static DocumentBuilder newDocumentBuilder() throws ParserConfigurationException {
        DocumentBuilderFactory documentBuilderFactory = DocumentBuilderFactory.newInstance();
        documentBuilderFactory.setFeature("http://apache.org/xml/features/disallow-doctype-decl", true);
        documentBuilderFactory.setFeature("http://xml.org/sax/features/external-general-entities", false);
        documentBuilderFactory.setFeature("http://xml.org/sax/features/external-parameter-entities", false);
        documentBuilderFactory.setFeature("http://apache.org/xml/features/nonvalidating/load-external-dtd", false);
        documentBuilderFactory.setFeature(XMLConstants.FEATURE_SECURE_PROCESSING, true);
        documentBuilderFactory.setXIncludeAware(false);
        documentBuilderFactory.setExpandEntityReferences(false);

        return documentBuilderFactory.newDocumentBuilder();
    }

    public static Document newDocument() throws ParserConfigurationException {
        return newDocumentBuilder().newDocument();
    }
}

4、携带证书的http请求工具类型 

import com.alibaba.fastjson.JSON;
import com.alibaba.fastjson.JSONObject;
import lombok.extern.slf4j.Slf4j;
import org.apache.http.HttpEntity;
import org.apache.http.HttpResponse;
import org.apache.http.client.methods.CloseableHttpResponse;
import org.apache.http.client.methods.HttpPost;
import org.apache.http.conn.ssl.SSLConnectionSocketFactory;
import org.apache.http.entity.StringEntity;
import org.apache.http.impl.client.CloseableHttpClient;
import org.apache.http.impl.client.DefaultHttpClient;
import org.apache.http.impl.client.HttpClients;
import org.apache.http.ssl.SSLContexts;
import org.apache.http.util.EntityUtils;

import javax.net.ssl.HttpsURLConnection;
import javax.net.ssl.SSLContext;
import java.io.*;
import java.net.HttpURLConnection;
import java.net.MalformedURLException;
import java.net.URL;
import java.security.KeyStore;

/**
 * 网络请求工具类
 */

@Slf4j
public class HttpUtil {
/**
 * 携带证书的httpPOST请求
 * @param postDataXML
 * @param certPassword
 * @param requestUrl
 * @param certFilePath
 * @return
 * @throws Exception
 */
public static String  HttpClientSSL(String postDataXML, String certPassword, String requestUrl,String certFilePath) throws Exception{
    CloseableHttpClient httpClient = null;
    CloseableHttpResponse httpResponse = null;
    try{
        KeyStore keyStore = getCertificate(certPassword,certFilePath);
        SSLContext sslContext = SSLContexts.custom().loadKeyMaterial(keyStore, certPassword.toCharArray()).build();
        SSLConnectionSocketFactory sslf = new SSLConnectionSocketFactory(sslContext);
        httpClient = HttpClients.custom().setSSLSocketFactory(sslf).build();
        HttpPost httpPost = new HttpPost(requestUrl);//退款接口
        httpPost.addHeader("Content-Type", "text/xml");
        StringEntity reqEntity = new StringEntity(postDataXML,"UTF-8");
        httpPost.setEntity(reqEntity);
        String result = null;
        httpResponse = httpClient.execute(httpPost);
        HttpEntity httpEntity = httpResponse.getEntity();
        result = EntityUtils.toString(httpEntity, "UTF8");
        EntityUtils.consume(httpEntity);
        return result;
    }finally {//关流
        httpClient.close();
        httpResponse.close();
    }
}
 /**
 *  获取证书文件
 * @certPassword 证书密码
 * @fileUrl 文件路径
 */
private static KeyStore getCertificate(String certPassword,String fileUrl){
    //try-with-resources 关流
    try (FileInputStream inputStream = new FileInputStream(new File(fileUrl))) {
        KeyStore keyStore = KeyStore.getInstance("PKCS12");
        keyStore.load(inputStream, certPassword.toCharArray());
        return keyStore;
    } catch (Exception e) {
        throw new RuntimeException(e.getMessage(), e);
    }
}