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 )