"message":"{"errno":102,"errMsg":"requestVirtualPayment:fail:access denied"}","union_id":"oH-EgwODgOw2KQuq72O4kjuuKxHI","tuid":"o_oCm5XXqGfSW0JdVSttIz-6d6oo","user_id":1703230580,"extend":""}

上面的是报错信息，微信官方的102错误是无权限，但是这个接口不需要权限吧