feat(pay): VIP upgrade jump/unit/permanent billing like zibll

Add jump permanent upgrade SKU, permanent-only product line, keep expiry on unit upgrade, and store upgrade_mode for paid activation.

assets/admin/src/schema/sections/payment/vip.js

@@ -84,7 +84,14 @@ export const vipSchema = {
       fields: [
         { key: 'vip_upgrade', label: '允许升级', type: 'switch', default: true },
         { key: 'vip_upgrade_desc', label: '升级说明', type: 'textarea', default: '', dependsOn: { key: 'vip_upgrade', value: true } },
-        { key: 'vip_upgrade_product', label: '升级产品', type: 'input', default: '', dependsOn: { key: 'vip_upgrade', value: true } },
+        {
+          key: 'vip_upgrade_product',
+          label: '升级产品',
+          type: 'textarea',
+          default: '',
+          dependsOn: { key: 'vip_upgrade', value: true },
+          help: '每行一条。永久VIP1升级：permanent|价格|标题；按剩余天：unit|每日单价|标题；限时跳转永久：jump|价格|标题；兼容旧格式：价格|天数|标题',
+        },
       ],
     },
   ],