code: protected function getRetData(array $data)
      {
          if ($this->config->returnRaw) {
              $data['channel'] = Config::WX_CHARGE;
              return $data;
          }
  
          // 将金额处理为元
          $totalFee = bcdiv($data['total_fee'], 100, 2);
          $cashFee = bcdiv($data['cash_fee'], 100, 2);
  
          $retData = [
              'bank_type' => $data['bank_type'],
              'cash_fee' => $cashFee,
              'device_info' => $data['device_info'],
              'fee_type' => $data['fee_type'],
              'is_subscribe' => $data['is_subscribe'],
              'buyer_id'   => $data['openid'],
              'order_no'   => $data['out_trade_no'],
              'pay_time'   => date('Y-m-d H:i:s', strtotime($data['time_end'])),// 支付完成时间
              'amount'   => $totalFee,
              'trade_type' => $data['trade_type'],
              'transaction_id'   => $data['transaction_id'],
              'trade_state'   => strtolower($data['return_code']),
              'channel'   => Config::WX_CHARGE,
          ];
  
          // 检查是否存在用户自定义参数
          if (isset($data['attach']) && ! empty($data['attach'])) {
              $retData['return_param'] = $data['attach'];
          }
  
          return $retData;
      }
docs: 获取向客户端返回的数据
  @param array $data
  
  @return array
  @author helei