package main

import (
    "context"
    "github.com/wechatpay-apiv3/wechatpay-go/core"
    "github.com/wechatpay-apiv3/wechatpay-go/core/option"
    "github.com/wechatpay-apiv3/wechatpay-go/services/payments/native"
    "github.com/wechatpay-apiv3/wechatpay-go/utils"
    "log"
    "time"
)

func main() {

    var (
        mchID                      string = "xxxx"                               // 商户号
        mchCertificateSerialNumber string = "xxxxx" // 商户证书序列号
        mchAPIv3Key                string = "xxxxxx"         // 商户APIv3密钥
    )

    // 使用 utils 提供的函数从本地文件中加载商户私钥,商户私钥会用来生成请求的签名
    mchPrivateKey, err := utils.LoadPrivateKeyWithPath("./apiclient_key.pem")
    if err != nil {
        log.Fatal("load merchant private key error")
    }

    ctx := context.Background()
    // 使用商户私钥等初始化 client,并使它具有自动定时获取微信支付平台证书的能力
    opts := []core.ClientOption{
        option.WithWechatPayAutoAuthCipher(mchID, mchCertificateSerialNumber, mchPrivateKey, mchAPIv3Key),
    }
    client, err := core.NewClient(ctx, opts...)
    if err != nil {
        log.Printf("new wechat pay client err:%s", err)
    }

    svc := native.NativeApiService{Client: client}
    resp, result, err := svc.Prepay(ctx,
        native.PrepayRequest{
            Appid:       core.String("xxxxxxx"),
            Mchid:       core.String("1650242918"),
            Description: core.String("Image形象店-深圳腾大-QQ公仔"),
            OutTradeNo:  core.String("1217752501201407033233368018"),
            TimeExpire:  core.Time(time.Now()),
            Attach:      core.String("自定义数据说明"),
            NotifyUrl:   core.String("https://www.weixin.qq.com/wxpay/pay.php"),
            GoodsTag:    core.String("WXG"),
            //LimitPay:      []string{"LimitPay_example"},
            SupportFapiao: core.Bool(false),
            Amount: &native.Amount{
                Currency: core.String("CNY"),
                Total:    core.Int64(1),
            },
            Detail: &native.Detail{
                CostPrice: core.Int64(608800),
                GoodsDetail: []native.GoodsDetail{native.GoodsDetail{
                    GoodsName:        core.String("iPhoneX 256G"),
                    MerchantGoodsId:  core.String("ABC"),
                    Quantity:         core.Int64(1),
                    UnitPrice:        core.Int64(828800),
                    WechatpayGoodsId: core.String("1001"),
                }},
                InvoiceId: core.String("wx123"),
            },
            SettleInfo: &native.SettleInfo{
                ProfitSharing: core.Bool(false),
            },
            SceneInfo: &native.SceneInfo{
                DeviceId:      core.String("013467007045764"),
                PayerClientIp: core.String("14.23.150.211"),
                StoreInfo: &native.StoreInfo{
                    Address:  core.String("广东省深圳市南山区科技中一道10000号"),
                    AreaCode: core.String("440305"),
                    Id:       core.String("0001"),
                    Name:     core.String("腾讯大厦分店"),
                },
            },
        },
    )

    if err != nil {
        log.Println("\n用我了")
        // 处理错误
        log.Printf("call Prepay err:%s", err)
    } else {
        log.Println("\n正确的结果为:")
        // 处理返回结果
        log.Printf("status=%d resp=%s", result.Response.StatusCode, resp)
    }
}

注意修改商户相关参数。