fix(payment): wire balance wallet end-to-end when pay_balance_s is on

Opening 余额功能 alone now enables cash-wallet pay (unless 余额支付 is explicitly off). Drop points-as-balance fallback, stop fake method injection, expose real wallet in cashiers, and honor auto_to_balance on recharge fulfill.

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

@@ -12,7 +12,7 @@ export const gatewaySchema = {
     payment_wechat_enabled: false,
     payment_alipay_enabled: false,
     payment_paypal_enabled: false,
-    payment_balance_enabled: false,
+    payment_balance_enabled: true,
     payment_card_pass_enabled: false,
     payment_xunhupay_enabled: false,
     payment_xhpay_enabled: false,
@@ -73,7 +73,7 @@ export const gatewaySchema = {
         { key: 'payment_alipay_enabled', label: '支付宝', type: 'switch', default: false },
         { key: 'payment_paypal_enabled', label: 'PayPal', type: 'switch', default: false },
         { key: 'payment_stripe_enabled', label: 'Stripe', type: 'switch', default: false },
-        { key: 'payment_balance_enabled', label: '余额支付', type: 'switch', default: false },
+        { key: 'payment_balance_enabled', label: '余额支付', type: 'switch', default: true, help: '需同时在「余额充值」启用余额功能。关闭后用户中心仍可有钱包，但结账不可用余额支付。' },
         { key: 'payment_card_pass_enabled', label: '卡密充值', type: 'switch', default: false },
         { key: 'payment_xunhupay_enabled', label: '虎皮椒', type: 'switch', default: false },
         { key: 'payment_xhpay_enabled', label: '小火付', type: 'switch', default: false },

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

@@ -32,9 +32,9 @@ export const rechargeSchema = {
       title: '充值开关',
       icon: 'fas fa-wallet',
       fields: [
-        { key: 'pay_balance_s', label: '启用余额功能', type: 'switch', default: true },
+        { key: 'pay_balance_s', label: '启用余额功能', type: 'switch', default: true, help: '开启后用户中心显示现金钱包，并默认允许余额支付（可在收款接口单独关闭）。充值需另配支付宝/微信等外部网关。' },
         { key: 'pay_balance_desc', label: '充值说明', type: 'textarea', default: '', dependsOn: { key: 'pay_balance_s', value: true } },
-        { key: 'pay_auto_to_balance', label: '自动到账到余额', type: 'switch', default: true, dependsOn: { key: 'pay_balance_s', value: true } },
+        { key: 'pay_auto_to_balance', label: '自动到账到余额', type: 'switch', default: true, dependsOn: { key: 'pay_balance_s', value: true }, help: '充值订单支付成功后自动入账钱包（卡密/管理员调整不受此开关限制）。' },
       ],
     },
     {

assets/js/cms-download.js

@@ -548,18 +548,35 @@
 				}
 				body += '</div>';
 			}
-			let methodHtml = '';
-			methods.forEach(function (m, idx) {
-				const id = escapeAttr(m.id || '');
-				const name = escapeHtml(m.name || id);
-				methodHtml += '<label class="aksrt-cashier__method"><input type="radio" name="aksrt_pay_method" value="' + id + '"' + (idx === 0 ? ' checked' : '') + '> <span>' + name + '</span></label>';
-			});
-			if (methodHtml) {
-				body += '<div class="aksrt-cashier__methods"><div class="aksrt-cashier__methods-title">' + tt('pay_method', '支付方式') + '</div>' + methodHtml + '</div>';
-			}
-			body += '<div class="aksrt-dl-modal__actions">';
-			body += '<button type="button" class="btn-primary aksrt-dl-modal__download" data-aksrt-pay-submit data-mode="cash" data-price-type="' + escapeAttr(priceType) + '">' + tt('pay_now', '立即支付') + ' ' + amountLabel + '</button>';
-			body += '</div>';
+			const walletBal = typeof preview.wallet_balance === 'number'
+					? preview.wallet_balance
+					: (typeof preview.balance === 'number' ? preview.balance : 0);
+				const hasBalanceMethod = methods.some(function (m) { return (m && m.id) === 'balance'; });
+				if (hasBalanceMethod) {
+					body += '<div class="aksrt-cashier__box"><div class="aksrt-cashier__row"><span>' + tt('my_wallet', '我的余额') + '</span><b class="is-ok">￥' + Number(walletBal).toFixed(2) + '</b></div></div>';
+					if (preview.balance_enough === false) {
+						body += '<div class="aksrt-cashier__warn">' + tt('wallet_short', '余额不足，请先充值或选择其他支付方式') + '</div>';
+						if (preview.credits_url) {
+							body += '<div class="aksrt-dl-modal__actions"><a class="btn-sm" href="' + escapeAttr(preview.credits_url) + '">' + tt('go_recharge', '去充值') + '</a></div>';
+						}
+					}
+				}
+				let methodHtml = '';
+				methods.forEach(function (m, idx) {
+					const id = escapeAttr(m.id || '');
+					const name = escapeHtml(m.name || id);
+					methodHtml += '<label class="aksrt-cashier__method"><input type="radio" name="aksrt_pay_method" value="' + id + '"' + (idx === 0 ? ' checked' : '') + '> <span>' + name + '</span></label>';
+				});
+				if (methodHtml) {
+					body += '<div class="aksrt-cashier__methods"><div class="aksrt-cashier__methods-title">' + tt('pay_method', '支付方式') + '</div>' + methodHtml + '</div>';
+				} else {
+					body += '<div class="aksrt-cashier__warn">' + tt('no_pay_method', '暂无可用支付方式，请联系站长配置收款接口') + '</div>';
+				}
+				body += '<div class="aksrt-dl-modal__actions">';
+				if (methodHtml) {
+					body += '<button type="button" class="btn-primary aksrt-dl-modal__download" data-aksrt-pay-submit data-mode="cash" data-price-type="' + escapeAttr(priceType) + '">' + tt('pay_now', '立即支付') + ' ' + amountLabel + '</button>';
+				}
+				body += '</div>';
 		}
 
 		open('<h3 class="aksrt-dl-modal__title">' + tt('confirm_buy', '确认购买') + '</h3>' + body, returnFocusEl);