chore(pay): close residual zibll edge contracts for content pay

Expand coupon scope to content categories, document points_deduction as runtime-off like zibll, reject card_pass on content cashier, and pass shop/content context into coupon validate.

inc/helpers/aksrt-pay.php

@@ -559,6 +559,38 @@ if (!function_exists('aksrt_get_post_rebate_discount')) {
     }
 }
 
+/**
+ * Whether cash checkout may use points deduction (zibll points_deduction).
+ *
+ * zibll: zibpay_is_allow_points_deduction() always returns false ("暂未启用").
+ * Keep the same contract: schema/UI may exist, runtime is hard-off unless filter overrides.
+ */
+if (!function_exists('aksrt_is_allow_points_deduction')) {
+    function aksrt_is_allow_points_deduction(string $context = 'content'): bool {
+        // Mirror zibll hard-off first.
+        $allowed = false;
+        if (class_exists('AKSRT_Settings') && method_exists('AKSRT_Settings', 'get_all')) {
+            $all = AKSRT_Settings::get_all();
+            // Even if switch on, default remains false like zibll until product enables it.
+            if (!empty($all['points_deduction_s']) && class_exists('AKSRT_Settings') && method_exists('AKSRT_Settings', 'credits_enabled') && AKSRT_Settings::credits_enabled()) {
+                $allowed = false; // still disabled at runtime
+            }
+        }
+        return (bool) apply_filters('aksrt_is_allow_points_deduction', $allowed, $context);
+    }
+}
+
+/**
+ * Content cashier does not accept card_pass payment_method.
+ * Card-pass for balance/VIP/points is user-center redeem (zibll order types 4/8/9),
+ * not content pay types (reading/download/gallery/video).
+ */
+if (!function_exists('aksrt_is_content_card_pass_pay_allowed')) {
+    function aksrt_is_content_card_pass_pay_allowed($post = null): bool {
+        return (bool) apply_filters('aksrt_is_content_card_pass_pay_allowed', false, $post);
+    }
+}
+
 // ============================================================
 // 状态判断
 // ============================================================