首先可以确定的是，不是证书问题，调用图片上传接口是没问题的。

直接上代码，这是我的请求逻辑。

self::$wechatpayCertificate // 这个是微信支付平台证书
self::$wechatpaySerialNumber // 这个是微信支付平台证书序列号

$client = self::getInstance();
$encryptor = new SensitiveInfoCrypto(PemUtil::loadCertificate(self::$wechatpayCertificate));

try {
    // 数据上传加密处理
    foreach ($data as $key => &$item)
    {
        if($key === 'business_license_info')
        {
            $item['business_license_copy'] = self::uploadImage($item['business_license_copy'])['media_id'];
        }

        if($key === 'id_card_info')
        {
            $item['id_card_copy'] = self::uploadImage($item['id_card_copy'])['media_id'];
            $item['id_card_national'] = self::uploadImage($item['id_card_national'])['media_id'];
            $item['id_card_name'] = $encryptor($item['id_card_name']);
            $item['id_card_number'] = $encryptor($item['id_card_number']);
        }

        if($key === 'account_info')
        {
            $item['account_name'] = $encryptor($item['account_name']);
            $item['account_number'] = $encryptor($item['account_number']);
        }

        if($key === 'contact_info')
        {
            $item['contact_name'] = $encryptor($item['contact_name']);
            $item['contact_id_card_number'] = $encryptor($item['contact_id_card_number']);
            $item['mobile_phone'] = $encryptor($item['mobile_phone']);
            $item['contact_email'] = $encryptor($item['contact_email']);
        }

        if($key === 'sales_scene_info')
        {
            if(!empty($item['store_qr_code']))
            {
                $item['store_qr_code'] = self::uploadImage($item['store_qr_code'])['media_id'];
            }
        }

        if($key === 'business_addition_pics')
        {
            $newItem = [];
            foreach ($item as $pic)
            {
                $newItem[] = self::uploadImage($pic)['media_id'];
            }
            $item = $newItem;
            unset($newItem);
        }
    }
    // POST 语法糖
    $resp = $client->post('https://api.mch.weixin.qq.com/v3/ecommerce/applyments/', [
        'json' => $data,
        'headers' => [
            'Wechatpay-Serial' => self::$wechatpaySerialNumber,
            'Accept' => 'application/json',
        ],
    ]);
    return json_decode($resp->getBody()->getContents(), true);
} catch (RequestException $e) {
    throw $e;
}

// 具体提交的数据
Array
(
    [out_request_no] => APPLYMENT_20200622155632
    [organization_type] => 2401
    [id_doc_type] => IDENTIFICATION_TYPE_MAINLAND_IDCARD
    [id_card_info] => Array
        (
            [id_card_copy] => Fqpm9Ut8nPMuPcQdlYCJh2vp9QYuyfE3c1Rs0yTpc9VziSngdP4kzPooMylk2p4gHKxV1lKrfVFPMjTjvjYMYqdx1AQGldpvRx8p8acrKNo
            [id_card_national] => Fqpm9Ut8nPMuPcQdlYCJh7A1xTQQK-QQCJZpEnYpkv9j-AHa4SBpQrTriytPU0pjFsgmQtL0Oj44ANtrbIf3bDzTpOlATPZosijRN0u3AG4
            [id_card_name] => K+izWgpqyzMba8iEUhN5gkxikiA2rcDV+6S8Y9OPeVulgDga5NmKs3XfSCCW39AxyDOMnARNpTJzDPK+OUzZcETEca4qlO7VqZA+HX0HekHW8ZEqH7gpQBXCMbjawT2Q2J6MILiOyagDOh016f62nDeQmQbBmRKkK6MIEOzxo6N51Q1fp7qZhOSb4202nRfkI1zz8DYODEEFhvlJQbG62tZ995Eku1Mm/djmtRLPxESdZPS+HD+OMz4eu9UKoYzXKc+JkoI8X3SsBcSa/INF65/sBvCrubUn9v8iCockiOrPtCGStTKL6v44n983oyFHIEZ9svH3CkoAjKTdBQz9cg==
            [id_card_number] => LpkeW1yi40lABa9kXSXMb2g5k+ZpH8tqoQoRP9ECWJAyUMd8W+Xkh8Y+h04ckVyRxJkOoUb1IyuIiybgLXjAN1TQLnhbskd90Bx3eBOoDo2yi1m6MBKU+tFU2cW88SaYRDgO1OB9btmE7zx9wiACpXSiKlWrfqEvi0RHfgRxzzsqHuujAN3wXn9jlRBuYGJLUNEuDmRGI02FqVSKsTvyx0iqTU0vhRcD5zrPcpX6ecxh23pvrDHwCVnwiLiSeRz7MO/z9ccNFUSFN5TFyIERWiG2IwX+va9JeTAl2MhbQd1Ut42bSYYIVZsfHW453MU1ULdrfiC4wLg6aNQzBF5AFw==
            [id_card_valid_time] => 长期
        )


    [need_account_info] => true
    [account_info] => Array
        (
            [bank_account_type] => 75
            [account_bank] => 工商银行
            [account_name] => gOTc2+jjakKbsBGct6loNatbO4q1HLE1Xz+TyrnJX3JNgp+WmQ44ajajsArmuYcMe4j66O7ByZaPmIg7//bd7LTgtBW/VL+6k3YQPdA8psd9vYruAyODYzUDa0td0BGk2/qTOx2wjUjUuGyNE//Ux6xweAxxKc1297yVO8OqufVOtuPl1kpImx8qc+V0Ckj7K4ny929O9H4p5nGB/QUvxGzKiWONW969xHGSWHwshWxJ8h8JJE6vE2uvv9X8AJ5VunyOnOAUWC3Fk3wVjqlZPawkszEVGvREePiXAwFgDhJBlhEEpkPtdS4suVem7X+JVQAEfRMgJ38pt+XF6qqX6w==
            [bank_address_code] => 110000
            [account_number] => tMMzpkDjxiAh3+lQBH5B4hXcIaMVxVdC/WAi4ILS5QNmLJ2OmKd1B84JKKJur4t6G3VVpjSiD1ssHX365WrD2u6fYLzqq3M3rF0aQte/QDDQFmer2sveBT9J1q8rgz90TgG75gpjrtMl3Pxo7xldRQNMVVu0kHn5QBxZ2Mux7pI7G5fgJgCFiHCxGoVZtZ3M2wgFuZJVUC8swhKJQ8KQVxAb+R3dibZ8qI5kA26oB8X3J+kOrBPNfBeqZcjEs9uZCR7ec8fMlDxO3kHsFtUhpcQ9cMs/aY5Rn+7EIIvbih8KrtpL55rUkX+S78BKS39j70KaJ7uhEuGu0ZInQU9+ug==
        )


    [contact_info] => Array
        (
            [mobile_phone] => gdPKSWWVNmtdGROT+PUoRVNie5J+x6TcQP5KPcfv6mWgqe6kXcV6JhTaMq6b/lszRZuL6DdQDhHEnpDiU+IhuK0qrzWqO4Zwj5rFo818agaEIodo+wQRGFnu538Owih1YL+vH56kt5DIsWsr5QXjMzM0nVVjtOS+Q0Twe5GAPbkvwFW5b1zlK4pgF8DQGCKIBjxZ5oKEveYapKo33rgM85NeAAHV9qLx23a/4Z668TvkXQdcs6VqZi14zvHpW9zGQIzdZWbiqsf6MGLH4CwgUzQ7pJ5ico7aDmcRqs8dx3V+SGQhJDUmpq4J7SyHt4CUeRH7IS0Vj3Rp7p8s+tiJ/Q==
            [contact_email] => EaOuPB8qJstbnUVSC0TfcAOoqo6bYkJU1CvwOOMioqarIG+CgpnsHThDzAqE8M3xNk9mZd0tnkyQmnhH5wagESdUIz0eBwfqHIWA0ChjRaXWQbFkhuksQR3nN0/jJqyT5lXctEBJaroq2YPVWx0tLACD1yf5WGVXl3DmCBsKMSJHhovROddCWHbxtztiVEAK2w5M/s5p2fcpZVNy8zDmZso7GzW/0Axzg9mu1R/fPM0+HSKhiwN1XnjliSKvGQFS5CBLlWWLnVsnqDDk/G1lnnJerZOjARMs4nHxv0ZL/yk3WoLHmFoZ0LN4XtDscDFDGkWlSs7LiGkAr/UrsBsDFg==
            [contact_type] => 65
            [contact_name] => w3oAHa3C2e60bzeU17n7dq5XOmv2fD3FdizKyx2HU107NaEPpNKyRBUJAEgDRP7nq5Xa656nZOjcJTQH24ZJiWS9qes4zO5Un4J3YCBXIyMO8q/tceY6y5yiWnceUv0+3QeqA3xuaj0/qKcXAO/+o6eiQgEKSipZHry6qPR5sYsWYDBqViK2LBQuS3zmqfrII7RTgXe2t5FAkWhqZOmQiRjbWgPY3EgVvTnHCJJeIPpyZR/q8xpg4NOtpSqcRLKKdo0hAV9NCNZC3pOzvAkjwq3qYPf14dXpoqQ1gfBx6rfVX1BC7YOFe/ONVpYN4Yq1D+atLQNelA0K0YvQQ5oNpA==
            [contact_id_card_number] => LsE1G7AIEGqo1vHzo8qTRMEttWuGuYGVxXjQBUi1i98z+yf0W9alK/BD/hcQAPLLG98gyxobCjzVeEnhgyfheSgLAud3r0wUDGQY/a4liQ7/TO1RvgC1rfLzbwmR9pmPrECfuqcgfqX5Jomqfa+Y5lRPVZcTHJP4yV+OX8Sf2oQRSLEA2X3xACDYzbeMxzKB1T2TsUuQP6+EU7SXbbo3OYpFBfuiyO3FpQLMSFyHHTRyw6AhEGEyrdv4yyT3DcxFPe+c29rutE+GNSp32PmeCD2Ru+6zMQdJrIfiWgAg5MKHOWQxSBT2t+wCqwVdp6SmdrekfTBEwC7pUyH30eWIag==
        )


    [sales_scene_info] => Array
        (
            [store_name] => 啊啊的店铺
            [store_qr_code] => Fqpm9Ut8nPMuPcQdlYCJhydyTZSJahV0yiExD3pi1Yq0S79GKcZIsuf2MXxOZA1l9ZHRinEb-00dQWxmSnyRX7r94ZYqvqsKbD__GjLB_Ws
        )


    [merchant_shortname] => 啊啊的店铺
)