请求：
<xml>
<amount>100</amount>
<bank_code>1003</bank_code>
<desc>test</desc>
<enc_bank_no>xxx6FNEHGb2nxts/sTIoH5K5LIZk/u6Soq13FY8LpsN9lE0m/mISbmLh8M+vpGAB7LUB5HCLIY+r3IsQSTOkfMPMs6db9DQ9PTNil3NxWZvFG9X74IZfLbqEy87DZobE6m2wrdHqHmNm2E3TqjC6ghfNDmBhYYtf518S8vL30dYsem/dlMh9gfvUJU/6jJR9j4OCX3wxy9oSWf+cc+yTa6zlyiNVYsW62X/j685mkwHxUr1ikqAj0LcfGEP7rg5BObGm9YeinYxweVKmGQsCZELVoIs3rE0cUE6EaXQ4qyZAemKgdYsEG5cyfME1u7Mwz1Bx31lV43BYttNxvAdnuw==</enc_bank_no>
<enc_true_name>xxxDmzB6vl8+x2AVLria8QbvNLBstRQ51TgIWWWbxabn9xld3FMniTXOc8iI8JuHsx4us4Q6UIJuqJ2qkXIP8Ogr9bOppgXBbXCtR+EpDKirleFigvaXtbxBc6zLqMox2aIw/BPeasa1mZ+2dQDllLu/Rqad0fSLf/hdN/5b6zSfU+dJCWi/eq1M6eAF8C9AWi/ViLx9kDwhk9hZ1uTKk4ERLeL0c7EiLupx8VKUtaUk+tjwJJBgW+uB7Kq0SBSiQAiVAPFW+fATPen+oL3W2u46QbJEfsSV2ap+wHiyuQCVTvrIUjcH9LfcKczMO4Gd5B1oSQvyjREOsuTiBp3wwQ==</enc_true_name>
<mchid>1xxxxxxxxx</mchid>
<nonce_str>EYbeHqzeB1p29DOMVWpB7wPeXHPmaRkz</nonce_str>
<partner_trade_no>I5OmDncFfA9uZYUlQVJKVkwAT5Fbvmfm</partner_trade_no>
<sign><![CDATA[xxxxx]]></sign>
</xml>"
返回:
<xml>
<return_code><![CDATA[SUCCESS]]></return_code>
<return_msg><![CDATA[参数错误,请检查参数]]></return_msg>
<result_code><![CDATA[FAIL]]></result_code>
<err_code><![CDATA[PARAM_ERROR]]></err_code>
<err_code_des><![CDATA[参数错误：输入的商户号有误]]></err_code_des>
</xml>
核对了商号mchid没错，付款到零钱没问题，付款到银行卡一直报“错误码：PARAM_ERROR，错误描述：参数错误：输入的商户号有误”。
<xml><mchid>1603492945</mchid><partner_trade_no><![CDATA[ZZ628950830124898]]></partner_trade_no><nonce_str><![CDATA[AWLjb2zueJfIxfgriKfWjgkXvquUX1qL]]></nonce_str><enc_bank_no><![CDATA[cWr8WwVNBInqh53xBAqHvUx6WQcIUvdgPY49T0AD9qgzfu8ONN++vo36bfwm3eqr5rQKR5UL2reLbXE30FuRG8+Lwg8uPw9oR2NO2fF5n+LKJ1XGH/5FMjPHCymXXZJZwSykGwQLYKJLqcI5IlHOWeLy2XLWn0AJKhFaBMNVo+nXdAQ4rTcStOKsvfFEh5P69jClLsYq+iB4VAtm4VPRSLzx6Leni5pRAUwC+qtG5ccAr7FpevTDuHorLOZLm+cgB5I34FO4tGcWKPTRqkxO/QeuxIqJhAAxIexxLalBUUzboKcj0FCJtPFXO3mS5x99fv/vltDPqw5DwTn2sgNbLg==]]></enc_bank_no><enc_true_name><![CDATA[Nk6zFf+hw2VwUvurNLVfOwslgCWGsydAFjlyY05PAe+pAyu1bpDTtPHPwvMrbEH1i+VeOUtG9gzAG6mRzO+8jV2ZChcOeHeJO6ssfESgKhR6Da4UCdg8jhgejP8yan9hphVkVm/Z4ZrpDJ8W9KyrFol2uwyGGaPf9YqFfp1kgEIGUn1+3TlY4qwulS9dj5Hty4POI6/4i1K9vr/n6lKPCGM58xc0WkUVVNvYgvs0nMXiHYjSjuhiXuTEur8SSqQPj59geig5S5ZcJGRrJYUqduwwkvVwZ8JxeOnaqCsdETYMSMQQ1rorb/WnOGV5MvERjj8KPs0kiGcCvE+jbTUMgw==]]></enc_true_name><bank_code>1003</bank_code><amount>100</amount><desc><![CDATA[提现转账]]></desc><sign><![CDATA[5BD2BC28EAF14C24D4D37033FB45BA6D]]></sign></xml>