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.

src/AKSRT/Content/PayHelpers.php

@@ -120,7 +120,14 @@ trait PayHelpers {
             ? (class_exists('\AKSRT\Settings\Settings') ? \AKSRT\Settings\Settings::get_currency_name() : __('积分', 'aksrt'))
             : '￥'));
 
-        $balance = ($uid > 0 && class_exists('\AKSRT\Credits\Credits')) ? \AKSRT\Credits\Credits::balance($uid) : 0;
+        // Points cashier uses Credits; cash cashier uses wallet (元). Keep both for UI.
+        $points_balance = ($uid > 0 && class_exists('\AKSRT\Credits\Credits'))
+            ? (int) \AKSRT\Credits\Credits::balance($uid)
+            : 0;
+        $wallet_balance = ($uid > 0 && class_exists('\AKSRT\Credits\Balance') && \AKSRT\Credits\Balance::enabled())
+            ? (float) \AKSRT\Credits\Balance::balance($uid)
+            : 0.0;
+        $balance = $pay_modo === 'points' ? $points_balance : $wallet_balance;
         $methods = $this->available_payment_methods($pay_modo, $uid > 0);
 
         $amount_label = $this->format_amount_label($amount, $pay_modo, $currency);
@@ -140,6 +147,11 @@ trait PayHelpers {
             ? aksrt_get_user_free_downloaded_number($uid) : 0;
         $quota_over = $free_limit > 0 && $free_used >= $free_limit;
 
+        $payable_amount = $pay_modo === 'points' ? (int) ceil($payable) : round($payable, 2);
+        $balance_enough = $pay_modo === 'points'
+            ? ($points_balance >= (int) ceil($amount))
+            : ($wallet_balance + 0.0001 >= (float) $payable_amount);
+
         return [
             'post_id'         => $post_id,
             'title'           => get_the_title($post),
@@ -153,7 +165,7 @@ trait PayHelpers {
             'base'            => $pay_modo === 'points' ? (int) ceil($base) : round($base, 2),
             'list_amount'     => $pay_modo === 'points' ? (int) ceil($list_amount) : round($list_amount, 2),
             'list_amount_label' => $list_label,
-            'payable'         => $pay_modo === 'points' ? (int) ceil($payable) : round($payable, 2),
+            'payable'         => $payable_amount,
             'original'        => (float) ($priced['original'] ?? 0),
             'vip1'            => (float) ($priced['vip1'] ?? 0),
             'vip2'            => (float) ($priced['vip2'] ?? 0),
@@ -181,7 +193,9 @@ trait PayHelpers {
             'need_purchase'   => !$has_paid && !$need_vip && $amount > 0,
             'logged_in'       => $uid > 0,
             'balance'         => $balance,
-            'balance_enough'  => $pay_modo !== 'points' || $balance >= (int) ceil($amount),
+            'wallet_balance'  => $wallet_balance,
+            'points_balance'  => $points_balance,
+            'balance_enough'  => $balance_enough,
             'payment_methods' => $methods,
             'login_url'       => wp_login_url(get_permalink($post)),
             'vip_url'         => $vip_page,

src/AKSRT/Content/VipServicePackages.php

@@ -506,9 +506,12 @@ trait VipServicePackages {
      * @return array<int, array{id:string,name:string}>
      */
     private function available_payment_methods(): array {
+        if (function_exists('aksrt_list_cash_payment_methods')) {
+            return aksrt_list_cash_payment_methods(true);
+        }
         $methods = [];
         if (!class_exists('\AKSRT\Payment\Gateway')) {
-            return [['id' => 'balance', 'name' => __('站内余额', 'aksrt')]];
+            return $methods;
         }
         $gw = \AKSRT\Payment\Gateway::get_instance();
         foreach (['balance', 'alipay', 'wechatpay', 'paypal', 'stripe'] as $id) {
@@ -524,9 +527,6 @@ trait VipServicePackages {
                 'name' => method_exists($g, 'get_name') ? (string) $g->get_name() : $id,
             ];
         }
-        if ($methods === []) {
-            $methods[] = ['id' => 'balance', 'name' => __('站内余额', 'aksrt')];
-        }
         return $methods;
     }
 

src/AKSRT/Content/VipServicePurchase.php

@@ -132,7 +132,12 @@ trait VipServicePurchase {
             $points_packages = $this->get_points_exchange_packages($vip, $levels);
         }
 
-        $balance = ($user_id > 0 && class_exists('\AKSRT\Credits\Credits')) ? \AKSRT\Credits\Credits::balance($user_id) : 0;
+        $points_balance = ($user_id > 0 && class_exists('\AKSRT\Credits\Credits'))
+            ? (int) \AKSRT\Credits\Credits::balance($user_id)
+            : 0;
+        $wallet_balance = ($user_id > 0 && class_exists('\AKSRT\Credits\Balance') && \AKSRT\Credits\Balance::enabled())
+            ? (float) \AKSRT\Credits\Balance::balance($user_id)
+            : 0.0;
         $methods = $this->available_payment_methods();
         $currency_name = class_exists('\AKSRT\Settings\Settings') ? \AKSRT\Settings\Settings::get_currency_name() : __('积分', 'aksrt');
 
@@ -144,7 +149,8 @@ trait VipServicePurchase {
             'user_expires'       => $expires,
             'user_is_permanent'  => $is_permanent,
             'user_expires_label' => $this->format_expires_label($expires, $level),
-            'user_points'        => $balance,
+            'user_points'        => $points_balance,
+            'wallet_balance'     => $wallet_balance,
             'currency_name'      => $currency_name,
             'renew_enabled'      => $renew_enabled,
             'upgrade_enabled'    => $upgrade_enabled,