AlipayClient alipayClient = new DefaultAlipayClient("https://openapi.alipay.com/gateway.do","app_id","your private_key","json","GBK","alipay_public_key","RSA2");
AlipayFundTransToaccountTransferRequest request = new AlipayFundTransToaccountTransferRequest();
request.setBizContent("{" +
"\"out_biz_no\":\"3142321423432\"," +
"\"payee_type\":\"ALIPAY_LOGONID\"," +
"\"payee_account\":\"abc@sina.com\"," +
"\"amount\":\"12.23\"," +
"\"payer_show_name\":\"上海交通卡退款\"," +
"\"payee_real_name\":\"张三\"," +
"\"remark\":\"转账备注\"" +
"}");
AlipayFundTransToaccountTransferResponse response = alipayClient.execute(request);
if(response.isSuccess()){
System.out.println("调用成功");
} else {
System.out.println("调用失败");
}

IAopClient client = new DefaultAopClient("https://openapi.alipay.com/gateway.do", "app_id", "merchant_private_key", "json", "1.0", "RSA2", "alipay_public_key", "GBK", false);
AlipayFundTransToaccountTransferRequest  request= new AlipayFundTransToaccountTransferRequest() ;
request.BizContent="{" +
"\"out_biz_no\":\"3142321423432\"," +
"\"payee_type\":\"ALIPAY_LOGONID\"," +
"\"payee_account\":\"abc@sina.com\"," +
"\"amount\":\"12.23\"," +
"\"payer_show_name\":\"上海交通卡退款\"," +
"\"payee_real_name\":\"张三\"," +
"\"remark\":\"转账备注\"" +
"}";
AlipayFundTransToaccountTransferResponse response=client.execute(request);
Console.WriteLine(response.Body);

$aop = new AopClient ();
$aop->gatewayUrl = 'https://openapi.alipay.com/gateway.do';
$aop->appId = 'your app_id';
$aop->rsaPrivateKey = '请填写开发者私钥去头去尾去回车，一行字符串';
$aop->alipayrsaPublicKey='请填写支付宝公钥，一行字符串';
$aop->apiVersion = '1.0';
$aop->signType = 'RSA2';
$aop->postCharset='GBK';
$aop->format='json';
$request = new AlipayFundTransToaccountTransferRequest ();
$request->setBizContent("{" .
"\"out_biz_no\":\"3142321423432\"," .
"\"payee_type\":\"ALIPAY_LOGONID\"," .
"\"payee_account\":\"abc@sina.com\"," .
"\"amount\":\"12.23\"," .
"\"payer_show_name\":\"上海交通卡退款\"," .
"\"payee_real_name\":\"张三\"," .
"\"remark\":\"转账备注\"" .
"}");
$result = $aop->execute ( $request); 

$responseNode = str_replace(".", "_", $request->getApiMethodName()) . "_response";
$resultCode = $result->$responseNode->code;
if(!empty($resultCode)&&$resultCode == 10000){
echo "成功";
} else {
echo "失败";
}

https://openapi.alipay.com/gateway.do?timestamp=2013-01-01 08:08:08&method=alipay.fund.trans.toaccount.transfer&app_id=3878&sign_type=RSA2&sign=ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE&version=1.0&biz_content=
  {
"out_biz_no":"3142321423432",
"payee_type":"ALIPAY_LOGONID",
"payee_account":"abc@sina.com",
"amount":"12.23",
"payer_show_name":"上海交通卡退款",
"payee_real_name":"张三",
"remark":"转账备注"
  }

//为确保安全通信，需自行验证响应示例中的sign值是否为蚂蚁金服所提供。

{
	"alipay_fund_trans_toaccount_transfer_response":{
		"msg":"Success",
		"pay_date":"2013-01-01 08:08:08",
		"code":"10000",
		"out_biz_no":"3142321423432",
		"order_id":"20160627110070001502260006780837"
	},
	"sign":"ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE"
}

{
	"alipay_fund_trans_toaccount_transfer_response":{
		"msg":"Service Currently Unavailable",
		"code":"20000",
		"sub_msg":"系统繁忙",
		"sub_code":"isp.unknow-error"
	},
	"sign":"ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE"
}