演示参考：http://www.erdangjiade.com/php/1009.html
银联配置如下：
const SDK_SIGN_CERT_PATH = '/alidata/www/certs/youhua.pfx';
// 签名证书密码
const SDK_SIGN_CERT_PWD = 'huangh';
//const SDK_SIGN_CERT_PWD = '000000';
// 密码加密证书（这条一般用不到的请随便配）
const SDK_ENCRYPT_CERT_PATH = 'D:/certs/encryptpub.cer';
// 验签证书路径（请配到文件夹，不要配到具体文件）
const SDK_VERIFY_CERT_DIR = '/alidata/www/certs/';
//const SDK_VERIFY_CERT_DIR = 'D:/certs/';
const GATE_WAY="https://gateway.95516.com";
//const GATE_WAY='https://101.231.204.80:5000';
// 前台请求地址
define("SDK_FRONT_TRANS_URL",GATE_WAY."/gateway/api/frontTransReq.do");
// 后台请求地址
define("SDK_BACK_TRANS_URL",GATE_WAY.'/gateway/api/backTransReq.do');
// 批量交易
define("SDK_BATCH_TRANS_URL",GATE_WAY.'/gateway/api/batchTrans.do');
//单笔查询请求地址
define("SDK_SINGLE_QUERY_URL",GATE_WAY.'/gateway/api/queryTrans.do');
//文件传输请求地址
const SDK_FILE_QUERY_URL = 'https://filedownload.95516.com/';
//有卡交易地址
define("SDK_Card_Request_Url",GATE_WAY.'/gateway/api/cardTransReq.do');
//App交易地址
define("SDK_App_Request_Url",GATE_WAY.'/gateway/api/appTransReq.do');
// 前台通知地址 (商户自行配置通知地址)
const SDK_FRONT_NOTIFY_URL = 'http://localhost:8085/upacp_demo_b2b/demo/api_02_b2b/FrontReceive.php';
// 后台通知地址 (商户自行配置通知地址，需配置外网能访问的地址)
const SDK_BACK_NOTIFY_URL = 'http://222.222.222.222/upacp_demo_b2b/demo/api_02_b2b/BackReceive.php';
//文件下载目录
const SDK_FILE_DOWN_PATH = 'D:/file/';
