How to Integrate Alipay’s New Transfer API with Spring Boot (v4.10.97)

Alipay has launched a new transfer interface alipay.fund.trans.uni.transfer (higher security and more features) and deprecated the old interface alipay.fund.trans.toaccount.transfer. The new API uses certificate verification, so the SDK must be upgraded to the latest version (4.10.97 at the time of writing).

1. Place the three certificates downloaded from the Alipay Open Platform under resources

2. Write the Alipay configuration file alipay.properties

alipay.appId=your_app_id
alipay.serverUrl=https://openapi.alipay.com/gateway.do
alipay.privateKey=your_private_key
alipay.format=json
alipay.charset=UTF-8
alipay.signType=RSA2
alipay.appCertPath=/cert/appCertPublicKey_2021001164652941.crt
alipay.alipayCertPath=/cert/alipayCertPublicKey_RSA2.crt
alipay.alipayRootCertPath=/cert/alipayRootCert.crt

3. Add the Maven dependency

<dependency>
    <groupId>com.alipay.sdk</groupId>
    <artifactId>alipay-sdk-java</artifactId>
    <version>4.10.97.ALL</version>
</dependency>

4. Create the AliPayBean component

import lombok.Data;
import org.springframework.boot.context.properties.ConfigurationProperties;
import org.springframework.context.annotation.PropertySource;
import org.springframework.stereotype.Component;

@Component
@PropertySource("classpath:/production/alipay.properties")
@ConfigurationProperties(prefix = "alipay")
@Data
public class AliPayBean {
    private String appId;
    private String privateKey;
    private String publicKey;
    private String serverUrl;
    private String domain;
    private String format;
    private String charset;
    private String signType;
    private String appCertPath;
    private String alipayCertPath;
    private String alipayRootCertPath;
}

5. Write the configuration class to create an AlipayClient

import com.alipay.api.AlipayClient;
import com.alipay.api.CertAlipayRequest;
import com.alipay.api.DefaultAlipayClient;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.beans.factory.annotation.Value;
import org.springframework.context.annotation.Bean;
import org.springframework.context.annotation.Configuration;
import org.springframework.util.FileCopyUtils;
import java.io.InputStream;

@Configuration
public class AliConfig {
    @Value("${custom.http.proxyHost}")
    private String proxyHost;
    @Value("${custom.http.proxyPort}")
    private int proxyPort;
    @Value("${spring.profiles.active}")
    private String activeEnv;

    @Autowired
    private AliPayBean aliPayBean;

    @Bean(name = {"alipayClient"})
    public AlipayClient alipayClientService() throws Exception {
        CertAlipayRequest certAlipayRequest = new CertAlipayRequest();
        // Set gateway, app id, private key, format, charset, sign type
        certAlipayRequest.setServerUrl(aliPayBean.getServerUrl());
        certAlipayRequest.setAppId(aliPayBean.getAppId());
        certAlipayRequest.setPrivateKey(aliPayBean.getPrivateKey());
        certAlipayRequest.setFormat(aliPayBean.getFormat());
        certAlipayRequest.setCharset(aliPayBean.getCharset());
        certAlipayRequest.setSignType(aliPayBean.getSignType());
        if ("prod".equals(activeEnv) || "stage".equals(activeEnv) || "test".equals(activeEnv)) {
            // Production or pre‑release environment – use certificate content
            certAlipayRequest.setCertContent(getCertContentByPath(aliPayBean.getAppCertPath()));
            certAlipayRequest.setAlipayPublicCertContent(getCertContentByPath(aliPayBean.getAlipayCertPath()));
            certAlipayRequest.setRootCertContent(getCertContentByPath(aliPayBean.getAlipayRootCertPath()));
            certAlipayRequest.setProxyHost(proxyHost);
            certAlipayRequest.setProxyPort(proxyPort);
        } else {
            // Local development – use absolute paths
            String serverPath = this.getClass().getResource("/").getPath();
            certAlipayRequest.setCertPath(serverPath + aliPayBean.getAppCertPath());
            certAlipayRequest.setAlipayPublicCertPath(serverPath + aliPayBean.getAlipayCertPath());
            certAlipayRequest.setRootCertPath(serverPath + aliPayBean.getAlipayRootCertPath());
        }
        return new DefaultAlipayClient(certAlipayRequest);
    }

    public String getCertContentByPath(String name) {
        InputStream inputStream = null;
        String content = null;
        try {
            inputStream = this.getClass().getClassLoader().getResourceAsStream(name);
            content = new String(FileCopyUtils.copyToByteArray(inputStream));
        } catch (Exception e) {
            e.printStackTrace();
        }
        return content;
    }
}

6. Write the payment utility class

import com.alipay.api.AlipayApiException;
import com.alipay.api.AlipayClient;
import com.alipay.api.domain.AlipayTradeAppPayModel;
import com.alipay.api.domain.AlipayTradeQueryModel;
import com.alipay.api.request.AlipayTradeAppPayRequest;
import com.alipay.api.request.AlipayTradeQueryRequest;
import com.alipay.api.response.AlipayTradeAppPayResponse;
import com.alipay.api.response.AlipayTradeQueryResponse;
import lombok.extern.slf4j.Slf4j;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.beans.factory.annotation.Qualifier;
import org.springframework.stereotype.Service;

@Slf4j
@Service
public class AliPayUtils {
    @Autowired
    @Qualifier("alipayClient")
    private AlipayClient alipayClient;

    /** Transaction query */
    public boolean isTradeQuery(AlipayTradeQueryModel model) throws AlipayApiException {
        AlipayTradeQueryRequest request = new AlipayTradeQueryRequest();
        request.setBizModel(model);
        AlipayTradeQueryResponse response = alipayClient.certificateExecute(request);
        return response.isSuccess();
    }

    /** App payment */
    public String startAppPay(AlipayTradeAppPayModel model, String notifyUrl) throws AlipayApiException {
        AlipayTradeAppPayRequest request = new AlipayTradeAppPayRequest();
        model.setProductCode("QUICK_MSECURITY_PAY");
        request.setNotifyUrl(notifyUrl);
        request.setBizModel(model);
        AlipayTradeAppPayResponse response = alipayClient.sdkExecute(request);
        return response.getBody();
    }

    /** Transfer using the new API */
    public AlipayFundTransUniTransferResponse doTransferNew(TransferParams transferParams) throws Exception {
        String title = (transferParams.getRemark() != null && !transferParams.getRemark().isBlank())
                ? transferParams.getRemark() : "转账";
        AlipayFundTransUniTransferRequest request = new AlipayFundTransUniTransferRequest();
        BizContentForUniTransfer bizContent = new BizContentForUniTransfer();
        bizContent.setOut_biz_no(transferParams.getOutBizNo());
        bizContent.setTrans_amount(MathUtil.changeF2Y(Math.abs(Integer.parseInt(transferParams.getAmount()))));
        bizContent.setProduct_code("TRANS_ACCOUNT_NO_PWD");
        bizContent.setBiz_scene("DIRECT_TRANSFER");
        bizContent.setOrder_title(title);
        Participant participant = new Participant();
        participant.setIdentity(transferParams.getPayeeAccount());
        participant.setIdentity_type(transferParams.getPayeeType());
        participant.setName(transferParams.getPayeeRealName() != null && !transferParams.getPayeeRealName().isBlank()
                ? transferParams.getPayeeRealName() : "");
        bizContent.setPayee_info(participant);
        bizContent.setRemark(title);
        request.setBizContent(JSON.toJSONString(bizContent));
        AlipayFundTransUniTransferResponse response = null;
        try {
            response = alipayClient.certificateExecute(request);
        } catch (Exception e) {
            log.info("doTransfer exception, error: {}", e.toString());
            log.info("Alipay response: {}", JSONObject.toJSONString(response));
        }
        log.info("doTransfer response: {}", JSONObject.toJSONString(response));
        return response;
    }
}

Tips – classes used for the transfer operation:

@Data
public class TransferParams {
    private Long appId;
    private Long createdBy;
    private String outBizNo;
    private String payeeType;
    private String payeeAccount;
    private String amount;
    private String payerShowName;
    private String payeeRealName;
    private String remark;
    private String orderId;
}

@Data
public class BizContentForUniTransfer {
    private String out_biz_no;
    private BigDecimal trans_amount;
    private String product_code;
    private String biz_scene;
    private String order_title;
    private String original_order_id;
    private String remark;
    private String business_params;
    private Participant payee_info;
}

@Data
public class Participant {
    private String identity;
    private String identity_type;
    private String name;
}