diff --git a/assets/admin/src/api/modules/index.js b/assets/admin/src/api/modules/index.js
index 9aeb8de0..9e9d622f 100644
--- a/assets/admin/src/api/modules/index.js
+++ b/assets/admin/src/api/modules/index.js
@@ -2,7 +2,6 @@ import { globalApiMethods } from './global.js'
 import { pageDisplayApiMethods } from './page-display.js'
 import { permissionsApiMethods } from './permissions.js'
 import { usersApiMethods } from './users.js'
-import { paymentApiMethods } from './payment.js'
 import { extensionsApiMethods } from './extensions.js'
 import { toolsApiMethods } from './tools.js'
 import { schemaApiMethods } from './schema.js'
@@ -13,7 +12,6 @@ export const apiMethods = {
   ...pageDisplayApiMethods,
   ...permissionsApiMethods,
   ...usersApiMethods,
-  ...paymentApiMethods,
   ...extensionsApiMethods,
   ...toolsApiMethods,
   ...schemaApiMethods,
diff --git a/assets/admin/src/api/modules/payment.js b/assets/admin/src/api/modules/payment.js
deleted file mode 100644
index 0707c187..00000000
--- a/assets/admin/src/api/modules/payment.js
+++ /dev/null
@@ -1,7 +0,0 @@
-export const paymentApiMethods = {
-  /* ================================================================
-   * 支付&付费 (Payment)
-   * ================================================================ */
-
-  getPaymentOverview() { return this.request('/payment/overview') },
-}
diff --git a/assets/admin/src/components/form/AksField.vue b/assets/admin/src/components/form/AksField.vue
index 0169deb4..148c0858 100644
--- a/assets/admin/src/components/form/AksField.vue
+++ b/assets/admin/src/components/form/AksField.vue
@@ -142,6 +142,22 @@
       @update:value="emit('update:modelValue', $event)"
     />
 
+    <!-- Page Select (async page list) -->
+    <n-select
+      v-else-if="schema.type === 'page_select'"
+      :value="modelValue"
+      :options="pageOptions"
+      :loading="pageLoading"
+      :placeholder="schema.placeholder || '选择页面'"
+      :multiple="schema.multiple === true"
+      :filterable="true"
+      :remote="true"
+      :clearable="schema.clearable !== false"
+      :disabled="schema.disabled"
+      @search="handlePageSearch"
+      @update:value="emit('update:modelValue', $event)"
+    />
+
     <!-- Radio group -->
     <n-radio-group
       v-else-if="schema.type === 'radio'"
@@ -332,6 +348,32 @@
       />
     </div>
 
+    <!-- Between number (min/max pair, Zibll between_number) -->
+    <div v-else-if="schema.type === 'between_number'" class="aksrt-field__between">
+      <n-input-number
+        :value="betweenValue('min')"
+        :min="schema.min"
+        :max="schema.max"
+        :step="schema.step || 1"
+        :placeholder="schema.minPlaceholder || '最小'"
+        :disabled="schema.disabled"
+        style="flex: 1"
+        @update:value="updateBetween('min', $event)"
+      />
+      <span class="aksrt-field__between-sep">—</span>
+      <n-input-number
+        :value="betweenValue('max')"
+        :min="schema.min"
+        :max="schema.max"
+        :step="schema.step || 1"
+        :placeholder="schema.maxPlaceholder || '最大'"
+        :disabled="schema.disabled"
+        style="flex: 1"
+        @update:value="updateBetween('max', $event)"
+      />
+      <span v-if="schema.unit" class="aksrt-field__between-unit">{{ schema.unit }}</span>
+    </div>
+
     <!-- Spacing (top right bottom left) -->
     <div v-else-if="schema.type === 'spacing'" class="aksrt-field__spacing">
       <div class="aksrt-field__spacing-label">{{ schema.spacingLabels?.[0] || '上' }}</div>
@@ -807,6 +849,9 @@ onMounted(() => {
   if (props.schema.type === 'async_select') {
     loadAsyncOptions()
   }
+  if (props.schema.type === 'page_select') {
+    loadPages()
+  }
 })
 
 // ============ User Select (async search) ============
@@ -850,6 +895,31 @@ function handleUserSearch(query) {
   }, 300)
 }
 
+// ============ Page Select (async page list) ============
+const pageOptions = ref([])
+const pageLoading = ref(false)
+let pageSearchTimer = null
+
+async function loadPages(query = '') {
+  pageLoading.value = true
+  try {
+    const selected = props.modelValue ? [props.modelValue] : []
+    const res = await api.searchPageDisplayOptions('pages', query, query ? [] : selected)
+    const items = res?.data || res || []
+    pageOptions.value = Array.isArray(items) ? items : []
+  } catch (e) {
+    console.warn('[AksField] page load failed:', e)
+    pageOptions.value = []
+  } finally {
+    pageLoading.value = false
+  }
+}
+
+function handlePageSearch(query) {
+  clearTimeout(pageSearchTimer)
+  pageSearchTimer = setTimeout(() => loadPages(query), 250)
+}
+
 const fieldClasses = computed(() => ({
   'aksrt-field--disabled': props.schema.disabled,
   'aksrt-field--inline': props.schema.inline,
@@ -870,6 +940,21 @@ function updateDimension(part, value) {
   emit('update:modelValue', { ...current, [part]: value })
 }
 
+// ============ Between Number (min/max pair) ============
+function betweenValue(part) {
+  const current = props.modelValue && typeof props.modelValue === 'object' && !Array.isArray(props.modelValue)
+    ? props.modelValue
+    : {}
+  return current[part] !== undefined ? current[part] : (props.schema.default?.[part] ?? 0)
+}
+
+function updateBetween(part, value) {
+  const current = props.modelValue && typeof props.modelValue === 'object' && !Array.isArray(props.modelValue)
+    ? props.modelValue
+    : {}
+  emit('update:modelValue', { ...current, [part]: value })
+}
+
 // ============ Spacing ============
 function updateSpacing(part, value) {
   const current = props.modelValue || {}
@@ -1115,6 +1200,25 @@ function confirmRepeaterModal() {
   font-size: 14px;
 }
 
+/* Between number (min/max) */
+.aksrt-field__between {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  max-width: 360px;
+}
+
+.aksrt-field__between-sep {
+  color: var(--aksrt-color-border-strong);
+  font-size: 14px;
+}
+
+.aksrt-field__between-unit {
+  color: var(--aksrt-color-muted);
+  font-size: 13px;
+  white-space: nowrap;
+}
+
 /* Spacing field */
 .aksrt-field__spacing {
   display: grid;
diff --git a/assets/admin/src/components/form/AksFormRenderer.vue b/assets/admin/src/components/form/AksFormRenderer.vue
index 94eda249..9d7ea2b9 100644
--- a/assets/admin/src/components/form/AksFormRenderer.vue
+++ b/assets/admin/src/components/form/AksFormRenderer.vue
@@ -56,8 +56,33 @@
           <template v-if="group.fields && !hasGroupSlot(group)">
             <template v-for="field in group.fields" :key="field.key">
               <template v-if="isFieldVisible(field)">
+                <!-- Tabbed: renders tabs whose sub-fields are flat top-level keys -->
+                <div
+                  v-if="field.type === 'tabbed' && (field.tabs || []).length"
+                  class="aksrt-form-renderer__tabbed"
+                >
+                  <n-tabs type="line" animated>
+                    <n-tab-pane
+                      v-for="tab in field.tabs"
+                      :key="tab.title || tab.key"
+                      :name="tab.title || tab.key"
+                      :tab="tab.title || tab.key"
+                    >
+                      <template v-for="sub in (tab.fields || [])" :key="sub.key">
+                        <AksField
+                          v-if="isFieldVisible(sub)"
+                          :schema="sub"
+                          :model-value="getFieldValue(sub.key)"
+                          :error-message="errors?.[sub.key]"
+                          @update:model-value="setFieldValue(sub.key, $event)"
+                          @action="emit('field-action', $event)"
+                        />
+                      </template>
+                    </n-tab-pane>
+                  </n-tabs>
+                </div>
                 <slot
-                  v-if="field.type === 'custom'"
+                  v-else-if="field.type === 'custom'"
                   :name="`field-${field.key}`"
                   v-bind="{ field, value: getFieldValue(field.key), setValue: (value) => setFieldValue(field.key, value), formData }"
                 >
@@ -268,6 +293,15 @@ const filteredSchema = computed(() => {
       // Filter fields by label, key, or help text matching query
       const matchingFields = group.fields.filter(field => {
         if (groupMatch) return true
+        if (field.type === 'tabbed' && Array.isArray(field.tabs)) {
+          return (field.label || '').toLowerCase().includes(q)
+            || field.tabs.some(tab => (tab.fields || []).some(sub =>
+              (sub.label || '').toLowerCase().includes(q)
+              || (sub.key || '').toLowerCase().includes(q)
+              || (sub.help || '').toLowerCase().includes(q)
+              || (sub.description || '').toLowerCase().includes(q)
+            ))
+        }
         return (field.label || '').toLowerCase().includes(q)
           || (field.key || '').toLowerCase().includes(q)
           || (field.help || '').toLowerCase().includes(q)
@@ -318,6 +352,10 @@ const filteredSchema = computed(() => {
   line-height: 1.6;
 }
 
+.aksrt-form-renderer__tabbed {
+  margin-bottom: 8px;
+}
+
 .aksrt-form-renderer__search {
   min-width: 200px;
   max-width: 280px;
diff --git a/assets/admin/src/constants/sections/index.js b/assets/admin/src/constants/sections/index.js
index ce969f51..147b197e 100644
--- a/assets/admin/src/constants/sections/index.js
+++ b/assets/admin/src/constants/sections/index.js
@@ -15,7 +15,7 @@ const SECTION_DEFAULT_CHILDREN = {
   'post-list': 'post-list-page',
   permissions: 'permissions-comment',
   users: 'users-auth',
-  payment: 'payment-recharge',
+  payment: 'payment-knowledge',
   extensions: 'extensions-ip',
   tools: 'tools-import-export',
   'theme-info': 'theme-info-dashboard',
diff --git a/assets/admin/src/constants/sections/payment.js b/assets/admin/src/constants/sections/payment.js
index eb8f3d73..13a804bb 100644
--- a/assets/admin/src/constants/sections/payment.js
+++ b/assets/admin/src/constants/sections/payment.js
@@ -1,11 +1,27 @@
-import { renderFaIcon, schemaPage, customPage } from './helpers'
+import { renderFaIcon, schemaPage } from './helpers'
 
+/**
+ * 支付&付费 — 子菜单按参考主题划分：
+ * 知识付费 / 余额充值 / VIP会员 / 创作分成 / 推广返佣 / 收款接口 / 提现策略。
+ * 收款接口为 schema 表单页（双下拉式接口选择 + 凭据配置 + 前缀配置）。
+ */
 export const paymentSection = {
   key: 'payment',
   label: '支付&付费',
   icon: renderFaIcon('fa fas fa-credit-card'),
   route: '/payment',
   children: [
+    schemaPage({
+      key: 'payment-knowledge',
+      name: 'PaymentKnowledge',
+      label: '知识付费',
+      route: '/payment/knowledge',
+      status: 'available',
+      title: '知识付费',
+      desc: '免登陆购买、模块显示位置、商品优惠码、客户服务、付费下载与商品预置参数。',
+      canonicalDomain: 'payment',
+      section: 'knowledge',
+    }),
     schemaPage({
       key: 'payment-recharge',
       name: 'PaymentRecharge',
@@ -13,7 +29,7 @@ export const paymentSection = {
       route: '/payment/recharge',
       status: 'available',
       title: '余额充值',
-      desc: '余额充值策略、记录和手动确认配置。',
+      desc: '余额功能、充值商品选项、卡密充值、充值卡与余额兑换积分。',
       canonicalDomain: 'payment',
       section: 'recharge',
     }),
@@ -24,41 +40,18 @@ export const paymentSection = {
       route: '/payment/vip',
       status: 'available',
       title: 'VIP会员',
-      desc: '会员套餐、会员特权和免扣策略。',
+      desc: '会员等级、会员权益、购买选项、卡密兑换与积分兑换。',
       canonicalDomain: 'payment',
       section: 'vip',
     }),
-    customPage({
-      key: 'payment-gateway',
-      name: 'PaymentGateway',
-      label: '收款接口',
-      route: '/payment/gateway',
-      component: 'PaymentGateway',
-      status: 'available',
-      title: '收款接口',
-      desc: '支付网关适配器、测试网关和手动确认配置。',
-      canonicalDomain: 'payment',
-      section: 'gateway',
-    }),
-    schemaPage({
-      key: 'payment-order',
-      name: 'PaymentOrder',
-      label: '订单设置',
-      route: '/payment/order',
-      status: 'available',
-      title: '订单设置',
-      desc: '订单前缀、有效期、展示字段和状态文案。',
-      canonicalDomain: 'payment',
-      section: 'order',
-    }),
     schemaPage({
       key: 'payment-revenue',
       name: 'PaymentRevenue',
-      label: '创作中心',
+      label: '创作分成',
       route: '/payment/revenue',
       status: 'available',
-      title: '创作中心',
-      desc: '独立配置现金与积分分成比例、结算周期和结算备注文案。',
+      title: '创作分成',
+      desc: '现金与积分分成比例、结算周期、分成说明与详情页（分成工单在支付中心）。',
       canonicalDomain: 'payment',
       section: 'revenue',
     }),
@@ -69,20 +62,20 @@ export const paymentSection = {
       route: '/payment/affiliate',
       status: 'available',
       title: '推广返佣',
-      desc: '返佣规则、邀请链路和结算策略（返佣工单在支付中心）。',
+      desc: '推广识别模式、分档返佣规则、文案与海报（返佣工单在支付中心）。',
       canonicalDomain: 'payment',
       section: 'affiliate',
     }),
     schemaPage({
-      key: 'payment-card-pass',
-      name: 'PaymentCardPass',
-      label: '卡密设置',
-      route: '/payment/card-pass',
+      key: 'payment-gateway',
+      name: 'PaymentGateway',
+      label: '收款接口',
+      route: '/payment/gateway',
       status: 'available',
-      title: '卡密设置',
-      desc: '充值卡类型、卡号规则与兑换文案（卡密工单在支付中心）。',
+      title: '收款接口',
+      desc: '微信/支付宝接口选择、PayPal/Stripe 开关、货币结算、显示顺序与订单编号前缀。',
       canonicalDomain: 'payment',
-      section: 'card-pass',
+      section: 'gateway',
     }),
     schemaPage({
       key: 'payment-withdrawal',
@@ -91,7 +84,7 @@ export const paymentSection = {
       route: '/payment/withdrawal',
       status: 'available',
       title: '提现策略',
-      desc: '最低提现、手续费与说明文案（提现工单在支付中心）。',
+      desc: '提现门槛、手续费、每日限制、收款渠道与提现协议（提现工单在支付中心）。',
       canonicalDomain: 'payment',
       section: 'withdrawal',
     }),
diff --git a/assets/admin/src/pages/payment/PaymentChargeCard.vue b/assets/admin/src/pages/payment/PaymentChargeCard.vue
deleted file mode 100644
index cbd4032c..00000000
--- a/assets/admin/src/pages/payment/PaymentChargeCard.vue
+++ /dev/null
@@ -1,529 +0,0 @@
-<template>
-  <div class="aksrt-page-container">
-    <PageHeader title="充值卡管理" desc="按状态和时间筛选充值卡，支持单张创建、批量生成、详情查看和当前筛选导出。" />
-
-    <div class="aksrt-charge-card-page__stats">
-      <n-card v-for="card in statCards" :key="card.key" size="small">
-        <n-statistic :label="card.label" :value="stats[card.key] || 0" />
-      </n-card>
-    </div>
-
-    <n-card size="small" title="操作台">
-      <n-space justify="space-between" wrap>
-        <n-space>
-          <n-button type="primary" @click="createVisible = true">创建充值卡</n-button>
-          <n-button @click="batchVisible = true">批量生成</n-button>
-        </n-space>
-        <n-button quaternary @click="handleExport">导出当前筛选</n-button>
-      </n-space>
-    </n-card>
-
-    <n-card class="aksrt-charge-card-page__card" size="small" title="充值卡台账">
-      <n-space vertical :size="12">
-        <n-grid cols="1 s:2 m:4" :x-gap="12" :y-gap="12" responsive="screen">
-          <n-grid-item>
-            <n-input v-model:value="filters.keyword" clearable placeholder="搜索卡号、备注、使用人" />
-          </n-grid-item>
-          <n-grid-item>
-            <n-select v-model:value="filters.status" :options="statusOptions" placeholder="状态" />
-          </n-grid-item>
-          <n-grid-item>
-            <n-date-picker v-model:value="filters.dateRange" type="daterange" clearable style="width: 100%;" />
-          </n-grid-item>
-          <n-grid-item>
-            <n-space>
-              <n-button type="primary" @click="handleSearch">筛选</n-button>
-              <n-button @click="resetFilters">重置</n-button>
-            </n-space>
-          </n-grid-item>
-        </n-grid>
-
-        <n-data-table
-          :columns="columns"
-          :data="rows"
-          :loading="loading"
-          :bordered="false"
-          :pagination="pagination"
-          :row-key="(row) => row.id"
-        />
-      </n-space>
-    </n-card>
-
-    <n-modal v-model:show="createVisible" preset="card" title="创建充值卡" style="max-width: 520px;">
-      <n-form :model="createForm" label-placement="top">
-        <n-form-item label="卡类型">
-          <n-select v-model:value="createForm.type" :options="typeOptions" />
-        </n-form-item>
-        <n-form-item label="卡密">
-          <n-input v-model:value="createForm.password" placeholder="手动填写唯一卡密" />
-        </n-form-item>
-        <n-form-item v-if="createForm.type === 'balance'" label="面额">
-		  <n-input v-model:value="createForm.amount" inputmode="decimal" placeholder="例如 10.00" />
-        </n-form-item>
-        <n-grid v-if="createForm.type === 'vip'" cols="2" :x-gap="12">
-          <n-grid-item>
-            <n-form-item label="VIP 等级">
-              <n-select v-model:value="createForm.level" :options="levelOptions" />
-            </n-form-item>
-          </n-grid-item>
-          <n-grid-item>
-            <n-form-item label="天数(0=永久)">
-              <n-input-number v-model:value="createForm.days" :min="0" :max="3650" style="width: 100%;" />
-            </n-form-item>
-          </n-grid-item>
-        </n-grid>
-        <n-form-item v-if="createForm.type === 'credits'" label="积分">
-          <n-input-number v-model:value="createForm.points" :min="1" style="width: 100%;" />
-        </n-form-item>
-        <n-form-item label="过期时间">
-          <n-date-picker v-model:value="createForm.expiresAt" type="datetime" clearable style="width: 100%;" />
-        </n-form-item>
-        <n-form-item label="备注">
-          <n-input v-model:value="createForm.note" type="textarea" :rows="3" />
-        </n-form-item>
-        <n-space justify="end">
-          <n-button @click="createVisible = false">取消</n-button>
-          <n-button type="primary" :loading="submittingCreate" @click="handleCreate">创建</n-button>
-        </n-space>
-      </n-form>
-    </n-modal>
-
-    <n-modal v-model:show="batchVisible" preset="card" title="批量生成充值卡" style="max-width: 520px;">
-      <n-form :model="batchForm" label-placement="top">
-        <n-form-item label="卡类型">
-          <n-select v-model:value="batchForm.type" :options="typeOptions" />
-        </n-form-item>
-        <n-grid cols="2" :x-gap="12">
-          <n-grid-item>
-            <n-form-item label="数量">
-              <n-input-number v-model:value="batchForm.count" :min="1" :max="100" style="width: 100%;" />
-            </n-form-item>
-          </n-grid-item>
-          <n-grid-item v-if="batchForm.type === 'balance'">
-            <n-form-item label="面额">
-			  <n-input v-model:value="batchForm.amount" inputmode="decimal" placeholder="例如 10.00" />
-            </n-form-item>
-          </n-grid-item>
-          <n-grid-item v-if="batchForm.type === 'credits'">
-            <n-form-item label="积分">
-              <n-input-number v-model:value="batchForm.points" :min="1" style="width: 100%;" />
-            </n-form-item>
-          </n-grid-item>
-        </n-grid>
-        <n-grid v-if="batchForm.type === 'vip'" cols="2" :x-gap="12">
-          <n-grid-item>
-            <n-form-item label="VIP 等级">
-              <n-select v-model:value="batchForm.level" :options="levelOptions" />
-            </n-form-item>
-          </n-grid-item>
-          <n-grid-item>
-            <n-form-item label="天数(0=永久)">
-              <n-input-number v-model:value="batchForm.days" :min="0" :max="3650" style="width: 100%;" />
-            </n-form-item>
-          </n-grid-item>
-        </n-grid>
-        <n-grid cols="2" :x-gap="12">
-          <n-grid-item>
-            <n-form-item label="前缀">
-              <n-input v-model:value="batchForm.prefix" placeholder="AK" />
-            </n-form-item>
-          </n-grid-item>
-          <n-grid-item>
-            <n-form-item label="随机长度">
-              <n-input-number v-model:value="batchForm.length" :min="8" :max="32" style="width: 100%;" />
-            </n-form-item>
-          </n-grid-item>
-        </n-grid>
-        <n-form-item label="过期时间">
-          <n-date-picker v-model:value="batchForm.expiresAt" type="datetime" clearable style="width: 100%;" />
-        </n-form-item>
-        <n-form-item label="备注">
-          <n-input v-model:value="batchForm.note" type="textarea" :rows="3" />
-        </n-form-item>
-        <n-space justify="end">
-          <n-button @click="batchVisible = false">取消</n-button>
-          <n-button type="primary" :loading="submittingBatch" @click="handleBatchCreate">批量生成</n-button>
-        </n-space>
-      </n-form>
-    </n-modal>
-
-    <ChargeCardDetailDrawer v-model:show="drawerVisible" :card-id="currentCardId" />
-  </div>
-</template>
-
-<script setup>
-import { computed, h, onMounted, reactive, ref } from 'vue'
-import { NButton, NSpace, NTag, useDialog, useMessage } from 'naive-ui'
-import api from '@/api'
-import PageHeader from '@/components/PageHeader.vue'
-import ChargeCardDetailDrawer from './components/ChargeCardDetailDrawer.vue'
-
-const message = useMessage()
-const dialog = useDialog()
-const loading = ref(false)
-const rows = ref([])
-const createVisible = ref(false)
-const batchVisible = ref(false)
-const drawerVisible = ref(false)
-const currentCardId = ref(null)
-const submittingCreate = ref(false)
-const submittingBatch = ref(false)
-
-const stats = reactive({
-  total: 0,
-  active: 0,
-  used: 0,
-  total_amount: 0,
-  used_amount: 0,
-})
-
-const filters = reactive({
-  keyword: '',
-  status: '',
-  dateRange: null,
-})
-
-const createForm = reactive({
-  type: 'balance',
-  password: '',
-	amount: '10.00',
-  level: 1,
-  days: 30,
-  points: 100,
-  expiresAt: null,
-  note: '',
-})
-
-const batchForm = reactive({
-  type: 'balance',
-  count: 20,
-	amount: '10.00',
-  level: 1,
-  days: 30,
-  points: 100,
-  prefix: 'AK',
-  length: 12,
-  expiresAt: null,
-  note: '',
-})
-
-const typeOptions = [
-  { label: '余额卡', value: 'balance' },
-  { label: '会员卡', value: 'vip' },
-  { label: '积分卡', value: 'credits' },
-]
-
-const levelOptions = [
-  { label: 'VIP1', value: 1 },
-  { label: 'VIP2', value: 2 },
-]
-
-const pager = reactive({
-  page: 1,
-  pageSize: 20,
-  itemCount: 0,
-})
-
-const optionsState = reactive({
-  statuses: [],
-})
-
-const statCards = [
-  { key: 'total', label: '总卡数' },
-  { key: 'active', label: '未使用' },
-  { key: 'used', label: '已使用' },
-  { key: 'total_amount', label: '总面额' },
-  { key: 'used_amount', label: '已兑换金额' },
-]
-
-const statusOptions = computed(() => optionsState.statuses.length
-  ? optionsState.statuses
-  : [
-      { label: '全部状态', value: '' },
-      { label: '未使用', value: 'active' },
-      { label: '已使用', value: 'used' },
-      { label: '已过期', value: 'expired' },
-      { label: '已禁用', value: 'disabled' },
-    ])
-
-const pagination = computed(() => ({
-  page: pager.page,
-  pageSize: pager.pageSize,
-  itemCount: pager.itemCount,
-  showSizePicker: true,
-  pageSizes: [10, 20, 50, 100],
-  onUpdatePage: (page) => {
-    pager.page = page
-    loadData()
-  },
-  onUpdatePageSize: (pageSize) => {
-    pager.pageSize = pageSize
-    pager.page = 1
-    loadData()
-  },
-}))
-
-const columns = [
-  { title: 'ID', key: 'id', width: 70 },
-	{ title: '卡密', key: 'password', minWidth: 170, ellipsis: { tooltip: true } },
-  {
-    title: '类型',
-    key: 'type_label',
-    width: 90,
-    render: (row) => row.type_label || row.type || '-',
-  },
-  {
-    title: '面额/权益',
-    key: 'amount',
-    width: 120,
-    render: (row) => {
-      if (row.type === 'vip') {
-        const days = Number(row.days || 0)
-        return `VIP${row.level || 1} / ${days > 0 ? `${days}天` : '永久'}`
-      }
-      if (row.type === 'credits') return `${row.points || row.amount || 0} 积分`
-      return row.amount
-    },
-  },
-  {
-    title: '状态',
-    key: 'status_label',
-    width: 100,
-    render: (row) => {
-      const typeMap = { active: 'success', used: 'warning', expired: 'default', disabled: 'error' }
-      return h(NTag, { size: 'small', round: true, type: typeMap[row.status] || 'default' }, () => row.status_label)
-    },
-  },
-  {
-    title: '使用人',
-    key: 'used_by_user',
-    width: 160,
-    render: (row) => row.used_by_user?.display_name || '-',
-  },
-  { title: '创建时间', key: 'created_at', width: 170 },
-  {
-    title: '过期时间',
-    key: 'expires_at',
-    width: 170,
-    render: (row) => row.expires_at || '-',
-  },
-  {
-    title: '备注',
-    key: 'note',
-    minWidth: 160,
-    ellipsis: { tooltip: true },
-    render: (row) => row.note || '-',
-  },
-  {
-    title: '操作',
-    key: 'actions',
-    width: 140,
-    render: (row) => h(NSpace, { size: 'small' }, () => {
-      const actions = [
-        h(NButton, {
-          size: 'tiny',
-          type: 'primary',
-          quaternary: true,
-          onClick: () => openDrawer(row.id),
-        }, () => '详情'),
-      ]
-
-      if (row.status === 'active') {
-        actions.push(h(NButton, {
-          size: 'tiny',
-          type: 'warning',
-          quaternary: true,
-          onClick: () => handleDisable(row),
-        }, () => '禁用'))
-      }
-
-      return actions
-    }),
-  },
-]
-
-onMounted(() => {
-  loadData()
-})
-
-function formatDateValue(value) {
-  const date = new Date(value)
-  const year = date.getFullYear()
-  const month = `${date.getMonth() + 1}`.padStart(2, '0')
-  const day = `${date.getDate()}`.padStart(2, '0')
-  const hours = `${date.getHours()}`.padStart(2, '0')
-  const minutes = `${date.getMinutes()}`.padStart(2, '0')
-  const seconds = `${date.getSeconds()}`.padStart(2, '0')
-  return `${year}-${month}-${day} ${hours}:${minutes}:${seconds}`
-}
-
-function buildParams(page = pager.page, pageSize = pager.pageSize) {
-  const params = {
-    page,
-    per_page: pageSize,
-  }
-  if (filters.keyword) params.keyword = filters.keyword
-  if (filters.status) params.status = filters.status
-  if (Array.isArray(filters.dateRange) && filters.dateRange.length === 2) {
-    const [start, end] = filters.dateRange
-    params.date_from = formatDateValue(start).slice(0, 10)
-    params.date_to = formatDateValue(end).slice(0, 10)
-  }
-  return params
-}
-
-async function loadData() {
-  loading.value = true
-  try {
-    const res = await api.request('/payment/charge-cards', { params: buildParams() })
-    const data = res?.data || {}
-    rows.value = data.items || []
-    pager.itemCount = data.total || 0
-    Object.assign(stats, data.stats || {})
-    optionsState.statuses = data.options?.statuses || []
-  } catch (error) {
-    message.error(error?.message || '加载充值卡台账失败')
-  } finally {
-    loading.value = false
-  }
-}
-
-function handleSearch() {
-  pager.page = 1
-  loadData()
-}
-
-function resetFilters() {
-  filters.keyword = ''
-  filters.status = ''
-  filters.dateRange = null
-  pager.page = 1
-  loadData()
-}
-
-async function handleCreate() {
-  submittingCreate.value = true
-  try {
-    await api.request('/payment/charge-cards', {
-      method: 'POST',
-      data: {
-        type: createForm.type,
-        password: createForm.password,
-        amount: String(createForm.amount ?? ''),
-        level: createForm.level,
-        days: createForm.days,
-        points: createForm.points,
-        expires_at: createForm.expiresAt ? formatDateValue(createForm.expiresAt) : '',
-        note: createForm.note,
-      },
-    })
-    message.success('充值卡已创建')
-    createVisible.value = false
-    createForm.password = ''
-    createForm.note = ''
-    await loadData()
-  } catch (error) {
-    message.error(error?.message || '创建失败')
-  } finally {
-    submittingCreate.value = false
-  }
-}
-
-async function handleBatchCreate() {
-  submittingBatch.value = true
-  try {
-    await api.request('/payment/charge-cards/batch', {
-      method: 'POST',
-      data: {
-        type: batchForm.type,
-        count: batchForm.count,
-        amount: String(batchForm.amount ?? ''),
-        level: batchForm.level,
-        days: batchForm.days,
-        points: batchForm.points,
-        prefix: batchForm.prefix,
-        length: batchForm.length,
-        expires_at: batchForm.expiresAt ? formatDateValue(batchForm.expiresAt) : '',
-        note: batchForm.note,
-      },
-    })
-    message.success('充值卡已批量生成')
-    batchVisible.value = false
-    await loadData()
-  } catch (error) {
-    message.error(error?.message || '批量生成失败')
-  } finally {
-    submittingBatch.value = false
-  }
-}
-
-function handleDisable(row) {
-  dialog.warning({
-    title: '确认禁用',
-		content: `确定要禁用充值卡 ${row.password} 吗？`,
-    positiveText: '禁用',
-    negativeText: '取消',
-    onPositiveClick: async () => {
-      try {
-        await api.request(`/payment/charge-cards/${row.id}/disable`, { method: 'POST' })
-        message.success('充值卡已禁用')
-        await loadData()
-      } catch (error) {
-        message.error(error?.message || '禁用失败')
-      }
-    },
-  })
-}
-
-function openDrawer(id) {
-  currentCardId.value = id
-  drawerVisible.value = true
-}
-
-async function handleExport() {
-  try {
-    const res = await api.request('/payment/charge-cards', { params: buildParams(1, 200) })
-    const items = res?.data?.items || []
-    const header = ['ID', '卡号', '面额', '余额', '状态', '使用人', '创建时间', '过期时间', '备注']
-    const lines = items.map((row) => [
-      row.id,
-		row.password,
-      row.amount,
-      row.balance,
-      row.status_label,
-      row.used_by_user?.display_name || '',
-      row.created_at || '',
-      row.expires_at || '',
-      row.note || '',
-    ])
-    downloadCsv('charge-cards.csv', [header, ...lines])
-    message.success('导出完成')
-  } catch (error) {
-    message.error(error?.message || '导出失败')
-  }
-}
-
-function downloadCsv(filename, rows) {
-  const csv = `\uFEFF${rows.map((row) => row.map((cell) => `"${String(cell ?? '').replaceAll('"', '""')}"`).join(',')).join('\n')}`
-  const blob = new Blob([csv], { type: 'text/csv;charset=utf-8;' })
-  const url = URL.createObjectURL(blob)
-  const link = document.createElement('a')
-  link.href = url
-  link.download = filename
-  link.click()
-  URL.revokeObjectURL(url)
-}
-</script>
-
-<style scoped>
-.aksrt-charge-card-page__stats {
-  display: grid;
-  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
-  gap: 12px;
-  margin-bottom: 16px;
-}
-
-.aksrt-charge-card-page__card {
-  margin-top: 16px;
-}
-</style>
diff --git a/assets/admin/src/pages/payment/PaymentGateway.vue b/assets/admin/src/pages/payment/PaymentGateway.vue
deleted file mode 100644
index 579e936f..00000000
--- a/assets/admin/src/pages/payment/PaymentGateway.vue
+++ /dev/null
@@ -1,131 +0,0 @@
-<template>
-  <PaymentSectionPage
-    section="gateway"
-    title="收款接口"
-    desc="管理余额、支付宝、微信、PayPal、Stripe、易支付与卡密兑换通道。"
-    note="以渠道开关与凭据是否齐全为准；异步回调由各网关验签。卡密为兑换入口，不进入收银台。"
-    :links="[
-      { label: '余额充值', path: '/payment/recharge' },
-      { label: '充值卡', path: '/payment/card-pass' },
-    ]"
-  >
-    <template #before-form>
-      <n-spin :show="loading">
-        <n-card class="aksrt-section-card" title="网关状态">
-          <n-grid :cols="3" :x-gap="12" :y-gap="12">
-            <n-grid-item v-for="gw in gateways" :key="gw.id">
-              <div class="aksrt-gateway__card">
-                <div class="aksrt-gateway__icon" :class="gw.configured ? 'aksrt-gateway__icon--active' : ''">
-                  <i :class="iconFor(gw.id)"></i>
-                </div>
-                <div>
-                  <strong>{{ gw.name }}</strong>
-                  <p>{{ gw.configured ? '已配置' : '未配置' }}</p>
-                </div>
-                <n-tag :type="gw.configured ? 'success' : 'default'" size="small" round>
-                  {{ gw.configured ? '可用' : '不可用' }}
-                </n-tag>
-              </div>
-            </n-grid-item>
-          </n-grid>
-          <n-empty v-if="!loading && gateways.length === 0" description="暂无已注册的支付网关" />
-        </n-card>
-
-        <n-card v-if="overview.help_text" class="aksrt-section-card" title="运行说明">
-          <p class="aksrt-gateway__help">{{ overview.help_text }}</p>
-        </n-card>
-      </n-spin>
-    </template>
-  </PaymentSectionPage>
-</template>
-
-<script setup>
-import { ref, onMounted } from 'vue'
-import { useMessage } from 'naive-ui'
-import PaymentSectionPage from '@/pages/payment/PaymentSectionPage.vue'
-import api from '@/api'
-
-const message = useMessage()
-const gateways = ref([])
-const overview = ref({})
-const loading = ref(false)
-
-function iconFor(id) {
-  if (id === 'balance') return 'fa fas fa-credit-card'
-  if (id === 'alipay' || id === 'epay_alipay') return 'fa fas fa-credit-card'
-  if (id === 'wechatpay' || id === 'epay_wxpay') return 'fa fab fa-weixin'
-  if (id === 'paypal') return 'fa fab fa-paypal'
-  if (id === 'stripe') return 'fa fab fa-cc-stripe'
-  return 'fa fas fa-credit-card'
-}
-
-onMounted(async () => {
-  loading.value = true
-  try {
-    const [gwRes, ovRes] = await Promise.all([
-      api.request('/payment/overview').catch(() => null),
-    ])
-    if (gwRes?.data?.gateway?.gateways) {
-      const gwList = Object.entries(gwRes.data.gateway.gateways).map(([id, enabled]) => ({ id, name: id, configured: !!enabled }))
-      gateways.value = gwList
-    }
-    if (ovRes?.data?.gateway) {
-      overview.value = ovRes.data.gateway
-    } else if (ovRes?.data) {
-      overview.value = ovRes.data
-    }
-  } catch {
-    message.warning('部分支付接口暂不可用')
-  } finally {
-    loading.value = false
-  }
-})
-</script>
-
-<style scoped>
-.aksrt-gateway__card {
-  display: flex;
-  align-items: center;
-  gap: 12px;
-  padding: 14px;
-  border-radius: 8px;
-  background: var(--surface-2, #fafafa);
-  border: 1px solid var(--color-line, #f0f0f0);
-}
-
-.aksrt-gateway__icon {
-  width: 40px;
-  height: 40px;
-  border-radius: 8px;
-  display: flex;
-  align-items: center;
-  justify-content: center;
-  background: var(--surface-3, #f0f0f0);
-  color: var(--aksrt-color-muted);
-  font-size: 16px;
-}
-
-.aksrt-gateway__icon--active {
-  background: var(--color-primary-soft, #f0f5ff);
-  color: var(--aksrt-color-primary);
-}
-
-.aksrt-gateway__card strong {
-  display: block;
-  font-size: 14px;
-  color: var(--aksrt-color-text);
-}
-
-.aksrt-gateway__card p {
-  margin: 2px 0 0;
-  font-size: 12px;
-  color: var(--aksrt-color-muted);
-}
-
-.aksrt-gateway__help {
-  margin: 0;
-  font-size: 13px;
-  color: var(--color-ink-3, #5c6370);
-  line-height: 1.6;
-}
-</style>
diff --git a/assets/admin/src/pages/payment/PaymentRevenue.vue b/assets/admin/src/pages/payment/PaymentRevenue.vue
deleted file mode 100644
index 22aedd20..00000000
--- a/assets/admin/src/pages/payment/PaymentRevenue.vue
+++ /dev/null
@@ -1,319 +0,0 @@
-<template>
-  <PaymentSectionPage
-    section="revenue"
-    title="创作中心"
-    desc="查看现金与积分收益统计及结算运营入口。"
-    :links="[
-      { label: 'VIP 会员', path: '/payment/vip' },
-      { label: '推广返佣', path: '/payment/affiliate' },
-      { label: '创作分成运营', path: '/payment/income' },
-    ]"
-  >
-    <template #before-form>
-      <n-card class="aksrt-section-card" title="收益统计">
-        <n-grid :cols="4" :x-gap="12" :y-gap="12">
-          <n-grid-item v-for="item in revenueSummary" :key="item.key">
-            <div class="aksrt-revenue__stat">
-              <strong>{{ item.value }}</strong>
-              <p>{{ item.label }}</p>
-            </div>
-          </n-grid-item>
-        </n-grid>
-      </n-card>
-
-      <n-card class="aksrt-section-card" title="收益趋势">
-        <template #header-extra>
-          <n-space size="small">
-            <n-button :type="granularity === 'day' ? 'primary' : 'default'" size="tiny" quaternary @click="setGranularity('day')">日</n-button>
-            <n-button :type="granularity === 'week' ? 'primary' : 'default'" size="tiny" quaternary @click="setGranularity('week')">周</n-button>
-            <n-button :type="granularity === 'month' ? 'primary' : 'default'" size="tiny" quaternary @click="setGranularity('month')">月</n-button>
-          </n-space>
-        </template>
-
-        <div v-if="hasTimeSeries" class="aksrt-revenue__charts">
-          <div v-for="group in timeSeriesGroups" :key="group.key" class="aksrt-revenue__chart">
-            <h4>{{ group.label }}</h4>
-            <div v-if="group.items.length > 0" class="aksrt-revenue__chart-bars">
-              <div
-                v-for="(item, index) in group.items"
-                :key="`${group.key}-${index}`"
-                class="aksrt-revenue__chart-bar-wrap"
-                :title="`${item.date}: ${formatAmount(item.amount, group.key)} (${item.count}笔)`"
-              >
-                <div
-                  class="aksrt-revenue__chart-bar"
-                  :style="{ height: getBarHeight(item.amount, group.items) + '%' }"
-                />
-                <span class="aksrt-revenue__chart-label">{{ formatLabel(item.date) }}</span>
-              </div>
-            </div>
-            <n-empty v-else size="small" description="暂无数据" />
-            <div class="aksrt-revenue__chart-summary">
-			  <span>期间总计: <strong>{{ formatAmount(group.total, group.key) }}</strong></span>
-              <span>共 {{ group.count }} 笔</span>
-            </div>
-          </div>
-        </div>
-        <n-empty v-else description="暂无趋势数据" />
-      </n-card>
-
-      <n-card class="aksrt-section-card" title="提现统计">
-        <n-grid :cols="6" :x-gap="12" :y-gap="12">
-          <n-grid-item>
-            <div class="aksrt-revenue__stat">
-              <strong>{{ withdrawalStats.total }}</strong>
-              <p>提现笔数</p>
-            </div>
-          </n-grid-item>
-          <n-grid-item>
-            <div class="aksrt-revenue__stat">
-              <strong>{{ withdrawalStats.pending }}</strong>
-              <p>待处理</p>
-            </div>
-          </n-grid-item>
-          <n-grid-item>
-            <div class="aksrt-revenue__stat">
-              <strong>{{ withdrawalStats.processing }}</strong>
-              <p>处理中</p>
-            </div>
-          </n-grid-item>
-          <n-grid-item>
-            <div class="aksrt-revenue__stat">
-              <strong>{{ withdrawalStats.completed }}</strong>
-              <p>已完成</p>
-            </div>
-          </n-grid-item>
-          <n-grid-item>
-            <div class="aksrt-revenue__stat">
-              <strong>{{ withdrawalStats.rejected }}</strong>
-              <p>已拒绝</p>
-            </div>
-          </n-grid-item>
-          <n-grid-item>
-            <div class="aksrt-revenue__stat">
-			  <strong>{{ formatAmount(withdrawalStats.total_paid, 'cash') }}</strong>
-              <p>已提现 (元)</p>
-            </div>
-          </n-grid-item>
-        </n-grid>
-      </n-card>
-    </template>
-  </PaymentSectionPage>
-</template>
-
-<script setup>
-import { ref, computed, onMounted } from 'vue'
-import PaymentSectionPage from '@/pages/payment/PaymentSectionPage.vue'
-import api from '@/api'
-
-const emptyCurrencyStats = (currency) => ({
-  total: currency === 'cash' ? '0.00' : 0,
-  pending: currency === 'cash' ? '0.00' : 0,
-  settled: currency === 'cash' ? '0.00' : 0,
-  count: 0,
-})
-const revenueStats = ref({ cash: emptyCurrencyStats('cash'), points: emptyCurrencyStats('points') })
-const withdrawalStats = ref({ total: 0, pending: 0, processing: 0, completed: 0, rejected: 0, total_paid: '0.00' })
-const timeSeries = ref({ cash: [], points: [] })
-const granularity = ref('day')
-
-const revenueSummary = computed(() => [
-	{ key: 'cash-total', value: `${formatAmount(revenueStats.value.cash.total, 'cash')} 元`, label: '现金总收益' },
-	{ key: 'cash-pending', value: `${formatAmount(revenueStats.value.cash.pending, 'cash')} 元`, label: '现金待结算' },
-	{ key: 'cash-settled', value: `${formatAmount(revenueStats.value.cash.settled, 'cash')} 元`, label: '现金已结算' },
-  { key: 'cash-count', value: revenueStats.value.cash.count, label: '现金收益笔数' },
-  { key: 'points-total', value: `${formatAmount(revenueStats.value.points.total, 'points')}`, label: '积分总收益' },
-  { key: 'points-pending', value: `${formatAmount(revenueStats.value.points.pending, 'points')}`, label: '积分待结算' },
-  { key: 'points-settled', value: `${formatAmount(revenueStats.value.points.settled, 'points')}`, label: '积分已结算' },
-  { key: 'points-count', value: revenueStats.value.points.count, label: '积分收益笔数' },
-])
-
-const timeSeriesGroups = computed(() => [
-  {
-    key: 'cash',
-    label: '现金收益',
-    items: Array.isArray(timeSeries.value.cash) ? timeSeries.value.cash : [],
-  },
-  {
-    key: 'points',
-    label: '积分收益',
-    items: Array.isArray(timeSeries.value.points) ? timeSeries.value.points : [],
-  },
-].map((group) => {
-	const totalMinor = group.items.reduce((sum, item) => sum + amountMinor(item.amount, group.key), 0n)
-	return {
-		...group,
-		total: formatMinor(totalMinor, group.key),
-		count: group.items.reduce((sum, item) => sum + Number(item.count || 0), 0),
-	}
-}))
-
-const hasTimeSeries = computed(() => timeSeriesGroups.value.some((group) => group.items.length > 0))
-
-function formatAmount(amount, currency) {
-	return currency === 'points'
-		? `${formatMinor(amountMinor(amount, currency), currency)} 积分`
-		: `¥${formatMinor(amountMinor(amount, currency), currency)}`
-}
-
-function amountMinor(amount, currency) {
-	const raw = String(amount ?? '').trim()
-	if (currency === 'points') return /^\d+$/.test(raw) ? BigInt(raw) : 0n
-	const match = /^(0|[1-9]\d*)(?:\.(\d{1,2}))?$/.exec(raw)
-	return match ? (BigInt(match[1]) * 100n) + BigInt((match[2] || '').padEnd(2, '0') || '0') : 0n
-}
-
-function formatMinor(minor, currency) {
-	if (currency === 'points') return String(minor)
-	return `${minor / 100n}.${String(minor % 100n).padStart(2, '0')}`
-}
-
-function getBarHeight(amount, items) {
-	const currency = items === timeSeries.value.points ? 'points' : 'cash'
-	const maxAmount = items.reduce((max, item) => {
-		const current = amountMinor(item.amount, currency)
-		return current > max ? current : max
-	}, 0n)
-	if (maxAmount <= 0n) return 2
-	const scaled = Number((amountMinor(amount, currency) * 10000n) / maxAmount) / 100
-	return Math.max(2, scaled)
-}
-
-function formatLabel(date) {
-  return String(date || '').slice(5)
-}
-
-function setGranularity(nextGranularity) {
-  granularity.value = nextGranularity
-  loadRevenue()
-}
-
-async function loadRevenue() {
-  try {
-    const params = new URLSearchParams({
-      time_series: '1',
-      granularity: granularity.value,
-    })
-    const res = await api.request(`/payment/revenue?${params}`)
-    if (res?.data) {
-      if (res.data.revenue) {
-        revenueStats.value = {
-		  cash: { ...emptyCurrencyStats('cash'), ...(res.data.revenue.cash || {}) },
-		  points: { ...emptyCurrencyStats('points'), ...(res.data.revenue.points || {}) },
-        }
-      }
-      if (res.data.withdrawal) {
-        withdrawalStats.value = {
-          total: Number(res.data.withdrawal.total || 0),
-          pending: Number(res.data.withdrawal.pending || 0),
-          processing: Number(res.data.withdrawal.processing || 0),
-          completed: Number(res.data.withdrawal.completed || 0),
-          rejected: Number(res.data.withdrawal.rejected || 0),
-		  total_paid: String(res.data.withdrawal.total_paid || '0.00'),
-        }
-      }
-      timeSeries.value = {
-        cash: res.data.time_series?.cash || [],
-        points: res.data.time_series?.points || [],
-      }
-    }
-  } catch {
-    // silent
-  }
-}
-
-onMounted(loadRevenue)
-</script>
-
-<style scoped>
-.aksrt-revenue__stat {
-  text-align: center;
-  padding: 16px;
-  border-radius: 8px;
-  background: var(--surface-2, #fafafa);
-}
-
-.aksrt-revenue__stat strong {
-  display: block;
-  font-size: 24px;
-  font-weight: 600;
-  color: var(--aksrt-color-text);
-}
-
-.aksrt-revenue__stat p {
-  margin: 4px 0 0;
-  font-size: 12px;
-  color: var(--aksrt-color-muted);
-}
-
-.aksrt-revenue__charts {
-  display: grid;
-  gap: 24px;
-}
-
-.aksrt-revenue__chart {
-  min-height: 200px;
-}
-
-.aksrt-revenue__chart h4 {
-  margin: 0 0 10px;
-  color: var(--aksrt-color-text);
-}
-
-.aksrt-revenue__chart-bars {
-  display: flex;
-  align-items: flex-end;
-  gap: 2px;
-  height: 180px;
-  padding: 0 4px;
-  border-bottom: 1px solid var(--color-line, #e5e7eb);
-}
-
-.aksrt-revenue__chart-bar-wrap {
-  flex: 1;
-  display: flex;
-  flex-direction: column;
-  align-items: center;
-  justify-content: flex-end;
-  height: 100%;
-  min-width: 0;
-  cursor: default;
-}
-
-.aksrt-revenue__chart-bar {
-  width: 100%;
-  max-width: 32px;
-  min-height: 2px;
-  background: var(--color-primary, #88abda);
-  border-radius: 3px 3px 0 0;
-  transition: height 0.3s ease;
-}
-
-.aksrt-revenue__chart-bar-wrap:hover .aksrt-revenue__chart-bar {
-  background: var(--color-primary-hover, #7099cc);
-}
-
-.aksrt-revenue__chart-label {
-  font-size: 10px;
-  color: var(--aksrt-color-muted);
-  margin-top: 4px;
-  white-space: nowrap;
-  overflow: hidden;
-  text-overflow: ellipsis;
-  max-width: 100%;
-  text-align: center;
-}
-
-.aksrt-revenue__chart-summary {
-  display: flex;
-  justify-content: space-between;
-  margin-top: 12px;
-  font-size: 12px;
-  color: var(--color-ink-3, #525866);
-}
-
-.aksrt-revenue__chart-summary strong {
-  color: var(--aksrt-color-text);
-  font-weight: 600;
-}
-</style>
diff --git a/assets/admin/src/pages/payment/PaymentSectionPage.vue b/assets/admin/src/pages/payment/PaymentSectionPage.vue
deleted file mode 100644
index 83cbbd75..00000000
--- a/assets/admin/src/pages/payment/PaymentSectionPage.vue
+++ /dev/null
@@ -1,103 +0,0 @@
-<template>
-  <div class="aksrt-page-container">
-    <PageHeader :title="title" :desc="desc">
-      <template #actions>
-        <n-space v-if="links.length">
-          <n-button v-for="link in links" :key="link.path" quaternary @click="go(link.path)">
-            {{ link.label }}
-          </n-button>
-        </n-space>
-      </template>
-    </PageHeader>
-
-    <n-card v-if="note" class="aksrt-section-card">
-      <n-alert type="info" :show-icon="false">
-        {{ note }}
-      </n-alert>
-    </n-card>
-
-    <slot name="before-form" />
-
-    <AksFormRenderer
-      :schema="pageMeta.groups"
-      :form-data="formData"
-      :dirty="dirty"
-      :loading="loading"
-      :saving="saving"
-      :load-error="loadError"
-      :show-search="false"
-      @update:form-data="formData = $event"
-      @save="handleSave"
-      @reload="handleReload"
-    />
-  </div>
-</template>
-
-<script setup>
-import { computed } from 'vue'
-import { useRouter } from 'vue-router'
-import { useMessage } from 'naive-ui'
-import api from '@/api'
-import PageHeader from '@/components/PageHeader.vue'
-import AksFormRenderer from '@/components/form/AksFormRenderer.vue'
-import { useSectionForm } from '@/composables/useSectionForm'
-import { getSchema } from '@/schema'
-
-const props = defineProps({
-  section: { type: String, required: true },
-  title: { type: String, required: true },
-  desc: { type: String, default: '' },
-  note: { type: String, default: '' },
-  links: { type: Array, default: () => [] },
-})
-
-const router = useRouter()
-const message = useMessage()
-
-const pageMeta = computed(() => getSchema('payment', props.section) || { groups: [] })
-const defaults = computed(() => {
-  const result = {}
-  ;(pageMeta.value.groups || []).forEach((group) => {
-    ;(group.fields || []).forEach((field) => {
-      if (field.default !== undefined) {
-        result[field.key] = field.default
-      }
-    })
-  })
-  return result
-})
-
-const {
-  formData,
-  loading,
-  saving,
-  loadError,
-  dirty,
-  save: doSave,
-  reload,
-} = useSectionForm({
-  fetch: () => api.getSchemaPage('payment', props.section),
-  submit: (data) => api.saveSchemaPage('payment', props.section, data),
-  defaults: defaults.value,
-  onSaved: () => {
-    message.success('设置已保存')
-  },
-})
-
-function go(path) {
-  router.push(path)
-}
-
-async function handleSave() {
-  try {
-    await doSave()
-  } catch (error) {
-    message.error(error.message || '保存失败')
-  }
-}
-
-function handleReload() {
-  reload()
-  message.info('已放弃更改')
-}
-</script>
diff --git a/assets/admin/src/pages/payment/components/ChargeCardDetailDrawer.vue b/assets/admin/src/pages/payment/components/ChargeCardDetailDrawer.vue
deleted file mode 100644
index d0094a87..00000000
--- a/assets/admin/src/pages/payment/components/ChargeCardDetailDrawer.vue
+++ /dev/null
@@ -1,89 +0,0 @@
-<template>
-  <n-drawer :show="show" :width="680" @update:show="$emit('update:show', $event)">
-    <n-drawer-content title="充值卡详情" closable>
-      <n-spin :show="loading">
-        <template v-if="detail.card">
-          <n-descriptions bordered :column="1" size="small" label-placement="left">
-            <n-descriptions-item label="卡密">{{ detail.card.password || '-' }}</n-descriptions-item>
-            <n-descriptions-item label="面额">{{ detail.card.amount || 0 }}</n-descriptions-item>
-            <n-descriptions-item label="余额">{{ detail.card.balance || 0 }}</n-descriptions-item>
-            <n-descriptions-item label="状态">{{ detail.card.status_label || detail.card.status }}</n-descriptions-item>
-            <n-descriptions-item label="创建时间">{{ detail.card.created_at || '-' }}</n-descriptions-item>
-            <n-descriptions-item label="过期时间">{{ detail.card.expires_at || '-' }}</n-descriptions-item>
-            <n-descriptions-item label="使用时间">{{ detail.card.used_at || '-' }}</n-descriptions-item>
-            <n-descriptions-item label="使用者">
-              {{ detail.card.used_by_user?.display_name || '-' }}
-            </n-descriptions-item>
-          </n-descriptions>
-
-          <div class="aksrt-charge-drawer__section">
-            <div class="aksrt-charge-drawer__title">备注</div>
-            <n-alert type="info" :show-icon="false">
-              {{ detail.card.note || '暂无备注' }}
-            </n-alert>
-          </div>
-        </template>
-
-        <n-empty v-else description="暂无充值卡详情" />
-      </n-spin>
-    </n-drawer-content>
-  </n-drawer>
-</template>
-
-<script setup>
-import { ref, watch } from 'vue'
-import { useMessage } from 'naive-ui'
-import api from '@/api'
-
-const props = defineProps({
-  show: { type: Boolean, default: false },
-  cardId: { type: [Number, String], default: null },
-})
-
-defineEmits(['update:show'])
-
-const message = useMessage()
-const loading = ref(false)
-const detail = ref({ card: null })
-
-watch(
-  () => [props.show, props.cardId],
-  async ([visible, id]) => {
-    if (visible && id) {
-      await loadDetail()
-    }
-    if (!visible) {
-      detail.value = { card: null }
-    }
-  },
-)
-
-async function loadDetail() {
-  if (!props.cardId) {
-    return
-  }
-
-  loading.value = true
-  try {
-    const res = await api.request(`/payment/charge-cards/${props.cardId}`)
-    detail.value = res?.data || { card: null }
-  } catch (error) {
-    message.error(error?.message || '加载充值卡详情失败')
-  } finally {
-    loading.value = false
-  }
-}
-</script>
-
-<style scoped>
-.aksrt-charge-drawer__section {
-  margin-top: 20px;
-}
-
-.aksrt-charge-drawer__title {
-  margin-bottom: 10px;
-  font-size: 14px;
-  font-weight: 600;
-  color: #1f2937;
-}
-</style>
diff --git a/assets/admin/src/router/component-loaders/index.js b/assets/admin/src/router/component-loaders/index.js
index c38c9c28..11230ac7 100644
--- a/assets/admin/src/router/component-loaders/index.js
+++ b/assets/admin/src/router/component-loaders/index.js
@@ -1,13 +1,11 @@
 import { corePageLoaders } from './core'
 import { usersPageLoaders } from './users'
-import { paymentPageLoaders } from './payment'
 import { toolsPageLoaders } from './tools'
 import { extensionsPageLoaders } from './extensions'
 
 export const componentLoaders = {
   ...corePageLoaders,
   ...usersPageLoaders,
-  ...paymentPageLoaders,
   ...toolsPageLoaders,
   ...extensionsPageLoaders,
 }
diff --git a/assets/admin/src/router/component-loaders/payment.js b/assets/admin/src/router/component-loaders/payment.js
deleted file mode 100644
index bef47b42..00000000
--- a/assets/admin/src/router/component-loaders/payment.js
+++ /dev/null
@@ -1,3 +0,0 @@
-export const paymentPageLoaders = {
-  PaymentGateway: () => import('@/pages/payment/PaymentGateway.vue'),
-}
diff --git a/assets/admin/src/router/index.js b/assets/admin/src/router/index.js
index 168ac263..9d86559e 100644
--- a/assets/admin/src/router/index.js
+++ b/assets/admin/src/router/index.js
@@ -72,12 +72,10 @@ function createSectionRedirectRoutes() {
 }
 
 /**
- * Old SPA ops routes → native WP admin pages (Phase 4 transition).
+ * Old SPA ops routes → native WP admin pages.
  * Bookmarks under order-related paths land on NativeOpsRedirect.
  */
 const NATIVE_OPS_REDIRECTS = [
-  { path: '/payment/charge-card', title: '充值卡', nativeAdminPath: 'admin.php?page=aksrt_charge_cards' },
-  { path: '/payment/income', title: '创作分成运营', nativeAdminPath: 'admin.php?page=aksrt_income' },
   { path: '/users/messages', title: '消息中心', nativeAdminPath: 'users.php?page=aksrt_messages' },
   { path: '/users/referral-codes', title: '推广码运营', nativeAdminPath: 'users.php?page=aksrt_referral_codes' },
   { path: '/users/ban', title: '禁封管理', nativeAdminPath: 'users.php?page=aksrt_user_ban&tab=restrictions' },
diff --git a/assets/admin/src/schema/sections/payment/affiliate.js b/assets/admin/src/schema/sections/payment/affiliate.js
index 959135b8..0e650627 100644
--- a/assets/admin/src/schema/sections/payment/affiliate.js
+++ b/assets/admin/src/schema/sections/payment/affiliate.js
@@ -1,38 +1,183 @@
+/**
+ * 推广返佣 — 参考主题结构：开关、识别模式、自己推广自己、按用户类型分档的
+ * 返佣规则（tab）、文案、推广海报与推广让利标签。
+ */
 export const affiliateSchema = {
   key: 'payment.affiliate',
   title: '推广返佣',
-  icon: 'fa fas fa-share-alt',
-  description: '配置推广归因、分级佣金比例和结算规则。',
+  icon: 'fa fas fa-btc',
+  description: '推广识别模式、分档返佣规则、返佣文案、推广海报与让利标签。',
   defaults: {
-    affiliate_enabled: false,
-    affiliate_ratio_user: 5,
-    affiliate_ratio_vip_1: 5,
-    affiliate_ratio_vip_2: 5,
-    affiliate_order_types: ['membership', 'content'],
+    pay_rebate_s: false,
+    pay_rebate_judgment: 'all',
+    pay_rebate_show_users: true,
+    pay_rebate_self_s: true,
+    pay_rebate_user_s: [],
+    pay_rebate_ratio: 5,
+    pay_rebate_user_s_1: ['all'],
+    pay_rebate_ratio_vip_1: 10,
+    pay_rebate_user_s_2: ['all'],
+    pay_rebate_ratio_vip_2: 20,
     affiliate_settlement_days: 7,
-    affiliate_promotion_text: '',
+    pay_rebate_text_desc: '加入分享计划，获得高额奖励',
+    pay_rebate_text_details_title: '返佣详解',
+    pay_rebate_text_details: '<p>通过您的推广链接打开本站后，在本站购买商品即可获得佣金</p><p>通过您的推广链接注册后的用户今后购买的商品均可获得佣金</p><p>申请提现后，需后台人工处理，一般2-3小时，请耐心等待</p>',
+    pay_rebate_poster_s: true,
+    pay_rebate_poster_img: '',
+    pay_rebate_poster_title: '发现一个精品网站，快来看一看',
+    pay_rebate_poster_desc: '网站有超多精品资源和优惠福利，扫码进入网站还可享受诸多优惠哦',
+    pay_rebate_text_discount: '推荐购买 下单再减%discount%',
   },
   groups: [
     {
-      key: 'policy',
-      title: '返佣策略',
-      icon: 'fa fas fa-sitemap',
+      key: 'notice',
+      title: '说明',
+      icon: 'fa fas fa-info-circle',
       fields: [
-        { key: 'affiliate_enabled', label: '启用推广返佣', type: 'switch', default: false },
-        { key: 'affiliate_ratio_user', label: '普通会员佣金比例(%)', type: 'number', default: 5, min: 0, max: 100, dependsOn: { key: 'affiliate_enabled', value: true } },
-        { key: 'affiliate_ratio_vip_1', label: '一级会员佣金比例(%)', type: 'number', default: 5, min: 0, max: 100, dependsOn: { key: 'affiliate_enabled', value: true } },
-        { key: 'affiliate_ratio_vip_2', label: '二级会员佣金比例(%)', type: 'number', default: 5, min: 0, max: 100, dependsOn: { key: 'affiliate_enabled', value: true } },
-        { key: 'affiliate_order_types', label: '适用订单类型', type: 'checkbox', default: ['membership', 'content'], sanitize_type: 'array', options: [{ label: '会员订单', value: 'membership' }, { label: '付费内容', value: 'content' }, { label: '购买积分', value: 'credits' }], dependsOn: { key: 'affiliate_enabled', value: true } },
-        { key: 'affiliate_settlement_days', label: '结算观察期(天)', type: 'number', default: 7, min: 0, max: 90, dependsOn: { key: 'affiliate_enabled', value: true } },
+        {
+          key: 'affiliate_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<ul style="margin:0 0 0 18px;line-height:1.9"><li>识别模式「绑定注册」：用户只要是通过任意推广链接注册的，今后此用户消费均会给推荐人返佣</li><li>识别模式「仅推广链接」：只有通过推广链接购买的才会给推荐人返佣，不会考虑是否是推荐注册的</li><li>开启的订单类型如果一个都不勾选，则代表该用户类型不参与此功能</li><li>您可以根据网站的VIP设置相互配合设置相应的规则</li><li>下面的设置为全局设置，还可以单独为每一个用户设置规则和比例</li></ul>',
+        },
+      ],
+    },
+    {
+      key: 'switch',
+      title: '推广返佣',
+      icon: 'fa fas fa-toggle-on',
+      fields: [
+        { key: 'pay_rebate_s', label: '启用推广返佣', type: 'switch', default: false },
+      ],
+    },
+    {
+      key: 'mode',
+      title: '推广识别模式',
+      icon: 'fa fas fa-link',
+      fields: [
+        {
+          key: 'pay_rebate_judgment',
+          label: '推广识别模式',
+          type: 'radio',
+          default: 'all',
+          dependsOn: { key: 'pay_rebate_s', value: true },
+          options: [
+            { label: '绑定注册', value: 'all' },
+            { label: '仅推广链接', value: 'link' },
+          ],
+        },
+        { key: 'pay_rebate_show_users', label: '用户中心显示我推荐的用户', type: 'switch', default: true, dependsOn: { key: 'pay_rebate_judgment', value: 'all' } },
+        { key: 'pay_rebate_self_s', label: '自己推广自己', type: 'switch', default: true, dependsOn: { key: 'pay_rebate_s', value: true }, help: '允许使用自己的推广链接购买商品并获得佣金' },
+      ],
+    },
+    {
+      key: 'rules',
+      title: '返佣规则',
+      icon: 'fa fas fa-table',
+      fields: [
+        {
+          key: 'rebate_rule',
+          label: '为不同用户类型设置返佣规则',
+          type: 'tabbed',
+          tabs: [
+            {
+              key: 'ordinary',
+              title: '普通用户',
+              fields: [
+                {
+                  key: 'pay_rebate_user_s',
+                  label: '返佣订单',
+                  type: 'checkbox',
+                  default: [],
+                  dependsOn: { key: 'pay_rebate_s', value: true },
+                  options: rebateTypeOptions,
+                  help: '普通用户返利的订单类型，全部关闭，则代表普通用户不参与推广返佣',
+                },
+                { key: 'pay_rebate_ratio', label: '普通用户返佣比例(%)', type: 'number', default: 5, min: 0, max: 100, dependsOn: { key: 'pay_rebate_s', value: true } },
+              ],
+            },
+            {
+              key: 'vip1',
+              title: '一级会员',
+              fields: [
+                {
+                  key: 'pay_rebate_user_s_1',
+                  label: '返佣订单',
+                  type: 'checkbox',
+                  default: ['all'],
+                  dependsOn: { key: 'pay_rebate_s', value: true },
+                  options: rebateTypeOptions,
+                  help: '一级会员返利的订单类型，全部关闭，则代表一级会员用户不参与推广返佣',
+                },
+                { key: 'pay_rebate_ratio_vip_1', label: '一级会员返佣比例(%)', type: 'number', default: 10, min: 0, max: 100, dependsOn: { key: 'pay_rebate_s', value: true } },
+              ],
+            },
+            {
+              key: 'vip2',
+              title: '二级会员',
+              fields: [
+                {
+                  key: 'pay_rebate_user_s_2',
+                  label: '返佣订单',
+                  type: 'checkbox',
+                  default: ['all'],
+                  dependsOn: { key: 'pay_rebate_s', value: true },
+                  options: rebateTypeOptions,
+                  help: '二级会员返利的订单类型，全部关闭，则代表二级会员用户不参与推广返佣',
+                },
+                { key: 'pay_rebate_ratio_vip_2', label: '二级会员返佣比例(%)', type: 'number', default: 20, min: 0, max: 100, dependsOn: { key: 'pay_rebate_s', value: true } },
+              ],
+            },
+          ],
+        },
+        { key: 'affiliate_settlement_days', label: '结算观察期(天)', type: 'number', default: 7, min: 0, max: 90, dependsOn: { key: 'pay_rebate_s', value: true }, help: '订单完成后经过观察期，佣金才会结算到可提现余额' },
       ],
     },
     {
       key: 'text',
-      title: '文案设置',
-      icon: 'fa fas fa-pen',
+      title: '返佣文案',
+      icon: 'fa fas fa-file-alt',
       fields: [
-        { key: 'affiliate_promotion_text', label: '推广说明', type: 'textarea', default: '', dependsOn: { key: 'affiliate_enabled', value: true } },
+        { key: 'pay_rebate_text_desc', label: '返佣文案（一句话简介）', type: 'input', default: '加入分享计划，获得高额奖励', dependsOn: { key: 'pay_rebate_s', value: true } },
+        { key: 'pay_rebate_text_details_title', label: '返佣详情标题', type: 'input', default: '返佣详解', dependsOn: { key: 'pay_rebate_s', value: true } },
+        { key: 'pay_rebate_text_details', label: '返佣详情内容', type: 'textarea', sanitize_type: 'html', default: '<p>通过您的推广链接打开本站后，在本站购买商品即可获得佣金</p><p>通过您的推广链接注册后的用户今后购买的商品均可获得佣金</p><p>申请提现后，需后台人工处理，一般2-3小时，请耐心等待</p>', rows: 6, dependsOn: { key: 'pay_rebate_s', value: true }, help: '返佣详情介绍，建议为规则介绍或者其他说明，支持HTML代码' },
+      ],
+    },
+    {
+      key: 'poster',
+      title: '推广海报',
+      icon: 'fa fas fa-image',
+      fields: [
+        { key: 'pay_rebate_poster_s', label: '推广海报', type: 'switch', default: true, dependsOn: { key: 'pay_rebate_s', value: true }, help: '在用户中心显示包含二维码的推广海报' },
+        { key: 'pay_rebate_poster_img', label: '推广海报顶部图片', type: 'media', default: '', dependsOn: { key: 'pay_rebate_poster_s', value: true } },
+        { key: 'pay_rebate_poster_title', label: '推广海报标题(20-30个字)', type: 'input', default: '发现一个精品网站，快来看一看', dependsOn: { key: 'pay_rebate_poster_s', value: true } },
+        { key: 'pay_rebate_poster_desc', label: '推广海报简介(40-60个字)', type: 'input', default: '网站有超多精品资源和优惠福利，扫码进入网站还可享受诸多优惠哦', dependsOn: { key: 'pay_rebate_poster_s', value: true } },
+      ],
+    },
+    {
+      key: 'discount',
+      title: '推广让利标签',
+      icon: 'fa fas fa-tags',
+      fields: [
+        {
+          key: 'discount_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          dependsOn: { key: 'pay_rebate_s', value: true },
+          content: '<p><b>推广让利标签配置详解：</b></p><ul style="margin:6px 0 0 18px;line-height:1.9"><li>可使用的变量：折扣 <code>%discount%</code>、推荐人姓名 <code>%referrer_name%</code></li><li>使用变量示例：<code>%referrer_name%推荐购买 下单再减%discount%元</code></li></ul>',
+        },
+        { key: 'pay_rebate_text_discount', label: '推广让利标签', type: 'input', default: '推荐购买 下单再减%discount%', dependsOn: { key: 'pay_rebate_s', value: true }, help: '显示在购买模块，推广让利的标签文案' },
       ],
     },
   ],
-};
+}
+
+/** 返佣订单类型（与运行时 membership/content/credits 对齐）。 */
+const rebateTypeOptions = [
+  { label: '全部订单', value: 'all' },
+  { label: '购买会员', value: 'membership' },
+  { label: '付费内容', value: 'content' },
+  { label: '购买积分', value: 'credits' },
+]
diff --git a/assets/admin/src/schema/sections/payment/cardPass.js b/assets/admin/src/schema/sections/payment/cardPass.js
deleted file mode 100644
index d3b16fae..00000000
--- a/assets/admin/src/schema/sections/payment/cardPass.js
+++ /dev/null
@@ -1,59 +0,0 @@
-export const cardPassSchema = {
-  key: 'payment.card-pass',
-  title: '充值卡',
-  icon: 'fa fas fa-ticket-alt',
-  description: '配置充值卡类型、卡号规则、批量生成和兑换逻辑。',
-  defaults: {
-    card_pass_enabled: false,
-    card_pass_desc: '',
-    card_pass_type: 'balance',
-    card_pass_prefix: 'AK',
-    card_pass_length: 16,
-    card_pass_batch_size: 50,
-    card_pass_max_redeem: 1,
-    card_pass_expiry: 0,
-	card_pass_amount: '10.00',
-    card_pass_vip_days: 30,
-    card_pass_credits: 0,
-    card_pass_redeem_page: '',
-    card_pass_success_msg: '兑换成功！',
-    card_pass_fail_msg: '卡号无效或已过期',
-  },
-  groups: [
-    {
-      key: 'basic',
-      title: '充值卡设置',
-      icon: 'fa fas fa-id-card',
-      fields: [
-        { key: 'card_pass_enabled', label: '启用充值卡', type: 'switch', default: false },
-        { key: 'card_pass_desc', label: '充值卡说明', type: 'textarea', default: '', dependsOn: { key: 'card_pass_enabled', value: true } },
-        { key: 'card_pass_type', label: '充值卡类型', type: 'select', default: 'balance', options: [{ label: '余额卡', value: 'balance' }, { label: 'VIP卡', value: 'vip' }, { label: '积分卡', value: 'credits' }], dependsOn: { key: 'card_pass_enabled', value: true } },
-        { key: 'card_pass_prefix', label: '卡号前缀', type: 'input', default: 'AK', dependsOn: { key: 'card_pass_enabled', value: true } },
-        { key: 'card_pass_length', label: '卡号长度', type: 'number', default: 16, min: 8, max: 32, dependsOn: { key: 'card_pass_enabled', value: true } },
-        { key: 'card_pass_batch_size', label: '批量生成数量', type: 'number', default: 50, min: 1, max: 500, dependsOn: { key: 'card_pass_enabled', value: true } },
-      ],
-    },
-    {
-      key: 'redeem',
-      title: '兑换设置',
-      icon: 'fa fas fa-exchange-alt',
-      fields: [
-        { key: 'card_pass_max_redeem', label: '单卡最大兑换次数', type: 'number', default: 1, min: 1, max: 100, dependsOn: { key: 'card_pass_enabled', value: true } },
-        { key: 'card_pass_expiry', label: '有效期(天)', type: 'number', default: 0, min: 0, help: '0为永久有效', dependsOn: { key: 'card_pass_enabled', value: true } },
-		{ key: 'card_pass_amount', label: '面额(元)', type: 'input', default: '10.00', min: 1, max: 9999, dependsOn: { key: 'card_pass_enabled', value: true } },
-        { key: 'card_pass_vip_days', label: 'VIP天数', type: 'number', default: 30, min: 1, max: 3650, dependsOn: { key: 'card_pass_enabled', value: true } },
-        { key: 'card_pass_credits', label: '赠送积分', type: 'number', default: 0, min: 0, max: 99999, dependsOn: { key: 'card_pass_enabled', value: true } },
-      ],
-    },
-    {
-      key: 'display',
-      title: '展示设置',
-      icon: 'fa fas fa-desktop',
-      fields: [
-        { key: 'card_pass_redeem_page', label: '兑换页面', type: 'input', default: '', dependsOn: { key: 'card_pass_enabled', value: true } },
-        { key: 'card_pass_success_msg', label: '兑换成功提示', type: 'input', default: '兑换成功！', dependsOn: { key: 'card_pass_enabled', value: true } },
-        { key: 'card_pass_fail_msg', label: '兑换失败提示', type: 'input', default: '卡号无效或已过期', dependsOn: { key: 'card_pass_enabled', value: true } },
-      ],
-    },
-  ],
-}
diff --git a/assets/admin/src/schema/sections/payment/gateway.js b/assets/admin/src/schema/sections/payment/gateway.js
index 6147a516..0e75b484 100644
--- a/assets/admin/src/schema/sections/payment/gateway.js
+++ b/assets/admin/src/schema/sections/payment/gateway.js
@@ -1,42 +1,56 @@
+/**
+ * 收款接口 — 参考主题双下拉式重构：微信/支付宝接口选择（官方/易支付/关闭）、
+ * PayPal/Stripe 独立开关、货币与结算、订单与编号（含三个前缀）、
+ * 收款接口显示顺序，以及 5 个凭据配置块（支付宝/微信/PayPal/Stripe/易支付）。
+ */
 export const gatewaySchema = {
   key: 'payment.gateway',
   title: '收款接口',
   icon: 'fa fas fa-credit-card',
-  description: '管理已支持的收款通道：余额、支付宝、微信、PayPal、Stripe、易支付与卡密兑换。开启渠道后展开填写凭据。',
+  description: '配置收款通道：微信与支付宝可在官方/易支付之间选择，PayPal 与 Stripe 独立开关。订单前缀、流水号前缀、提现单号前缀在本页配置。',
   defaults: {
-    payment_wechat_enabled: false,
-    payment_alipay_enabled: false,
-    payment_paypal_enabled: false,
-    payment_stripe_enabled: false,
-    payment_epay_enabled: false,
-    payment_balance_enabled: true,
-    payment_card_pass_enabled: false,
-    wechat_merchantid: '',
-    wechat_appid: '',
-    wechat_payment_type: 'native',
-    wechat_api_v3_key: '',
-    wechat_private_key_path: '',
-    wechat_cert_path: '',
+    pay_wechat_sdk_options: 'null',
+    pay_alipay_sdk_options: 'null',
+    pay_paypal_sdk_s: false,
+    pay_stripe_sdk_s: false,
+    pay_currency_mark: '￥',
+    pay_currency_unit: '元',
+    pay_wechat_settle: { settle_rate: '1', settle_mark: '￥', settle_unit: '元' },
+    pay_alipay_settle: { settle_rate: '1', settle_mark: '￥', settle_unit: '元' },
+    pay_sdk_custom_title_s: false,
+    pay_sdk_custom_title: '',
+    payment_order_prefix: 'AKSRT',
+    payment_flow_prefix: 'AK',
+    payment_withdrawal_prefix: 'TX',
+    payment_order_expiry: 30,
+    pay_wait_float_s: true,
+    pay_sdk_order: {},
     alipay_appid: '',
     alipay_privatekey: '',
     alipay_payment_type: 'page',
     alipay_app_public_cert_path: '',
     alipay_public_cert_path: '',
     alipay_root_cert_path: '',
+    wechat_merchantid: '',
+    wechat_appid: '',
+    wechat_payment_type: 'native',
+    wechat_api_v3_key: '',
+    wechat_private_key_path: '',
+    wechat_cert_path: '',
     paypal_client_id: '',
     paypal_client_secret: '',
     paypal_currency: 'USD',
-    paypal_sandbox: true,
+    paypal_rates: '0.14',
+    paypal_sandbox: false,
     stripe_secret_key: '',
     stripe_publishable_key: '',
     stripe_webhook_secret: '',
-    stripe_currency: 'usd',
-    stripe_test_mode: true,
+    stripe_currency: 'USD',
+    stripe_rates: '0.14',
+    stripe_test_mode: false,
     epay_apiurl: '',
     epay_pid: '',
     epay_key: '',
-    epay_channel_alipay: true,
-    epay_channel_wxpay: true,
     epay_device: 'auto',
   },
   groups: [
@@ -46,122 +60,293 @@ export const gatewaySchema = {
       icon: 'fa fas fa-info-circle',
       fields: [
         {
-          key: 'payment_gateway_notice',
-          label: '通道说明',
-          type: 'notice',
-          alertType: 'info',
-          alertContent: '以渠道开关 + 凭据是否齐全为准。异步回调由各网关验签（支付宝/微信/Stripe/易支付等），无需额外口令。卡密为兑换入口，不出现在收银台支付方式列表。',
+          key: 'gateway_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<ul style="margin:0 0 0 18px;line-height:1.9"><li>以下收款接口，主题仅提供API接入服务，收款平台的可靠性请自行斟酌！</li><li>涉及到资金及信息安全，有相关执照的商家推荐使用官方接口</li><li>微信 / 支付宝接口可在「官方」与「易支付」之间选择；PayPal 与 Stripe 独立开关</li><li>异步回调由各网关验签，无需额外口令；回调地址固定为 /wp-json/aksrt/v1/payment/{gateway}/{notify|return}</li></ul>',
         },
       ],
     },
     {
-      key: 'gateways',
-      title: '支付渠道开关',
+      key: 'channels',
+      title: '收款接口选择',
       icon: 'fa fas fa-toggle-on',
-      description: '先开启渠道，下方对应配置卡片会展开；填写凭据后网关状态变为可用。余额与卡密无第三方凭据，仅开关即可。',
+      description: '微信与支付宝各选一种接入方式；选「易支付」后需在下方易支付配置块填写接口信息。',
       fields: [
-        { 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_alipay_enabled', label: '支付宝', type: 'switch', default: false },
-        { key: 'payment_wechat_enabled', label: '微信支付', 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_epay_enabled', label: '易支付', type: 'switch', default: false, help: '兼容彩虹易支付协议的聚合收银台，可同时开启支付宝/微信子通道。' },
-        { key: 'payment_card_pass_enabled', label: '卡密充值', type: 'switch', default: false, help: '仅控制卡密兑换入口是否开放；卡密规则与批量发卡在「充值卡」页。不进入结账支付方式列表。' },
+        {
+          key: 'pay_wechat_sdk_options',
+          label: '微信收款接口',
+          type: 'select',
+          default: 'null',
+          options: [
+            { label: '微信官方', value: 'official_wechat' },
+            { label: '易支付-微信', value: 'epay' },
+            { label: '关闭微信收款', value: 'null' },
+          ],
+        },
+        {
+          key: 'pay_alipay_sdk_options',
+          label: '支付宝收款接口',
+          type: 'select',
+          default: 'null',
+          options: [
+            { label: '支付宝企业支付/当面付', value: 'official_alipay' },
+            { label: '易支付-支付宝', value: 'epay' },
+            { label: '关闭支付宝收款', value: 'null' },
+          ],
+        },
+        { key: 'pay_paypal_sdk_s', label: 'PayPal支付(贝宝)', type: 'switch', default: false, help: '启用后请在下方配置参数' },
+        { key: 'pay_stripe_sdk_s', label: 'Stripe支付', type: 'switch', default: false, help: '启用后请在下方配置参数' },
+      ],
+    },
+    {
+      key: 'currency',
+      title: '货币与结算',
+      icon: 'fa fas fa-coins',
+      fields: [
+        { key: 'pay_currency_mark', label: '本地货币符号', type: 'input', default: '￥', help: '显示在金额前面（例如 $ 或 ￥）' },
+        { key: 'pay_currency_unit', label: '本地货币单位名称', type: 'input', default: '元', help: '金额后缀，例如：人民币填「元」、美元填「dollars」' },
+        {
+          key: 'pay_wechat_settle',
+          label: '微信结算配置',
+          type: 'fieldset',
+          default: { settle_rate: '1', settle_mark: '￥', settle_unit: '元' },
+          fields: [
+            { key: 'settle_rate', label: '结算汇率', type: 'input', default: '1' },
+            { key: 'settle_mark', label: '结算货币符号', type: 'input', default: '￥' },
+            { key: 'settle_unit', label: '结算货币单位', type: 'input', default: '元' },
+          ],
+        },
+        {
+          key: 'pay_alipay_settle',
+          label: '支付宝结算配置',
+          type: 'fieldset',
+          default: { settle_rate: '1', settle_mark: '￥', settle_unit: '元' },
+          fields: [
+            { key: 'settle_rate', label: '结算汇率', type: 'input', default: '1' },
+            { key: 'settle_mark', label: '结算货币符号', type: 'input', default: '￥' },
+            { key: 'settle_unit', label: '结算货币单位', type: 'input', default: '元', help: '如果接入的收款方式与本地的货币类型不同，则在此配置结算汇率及单位' },
+          ],
+        },
+        { key: 'pay_sdk_custom_title_s', label: '自定义收款标题', type: 'switch', default: false, help: '默认为付款类型加网站名，如需自定义请开启' },
+        { key: 'pay_sdk_custom_title', label: '自定义收款标题', type: 'input', default: '', dependsOn: { key: 'pay_sdk_custom_title_s', value: true }, help: '可使用变量：订单类型 %order_type%，例如：%order_type%-AKSRT；注意控制总长度，太长会导致部分接口报错' },
+      ],
+    },
+    {
+      key: 'order',
+      title: '订单与编号',
+      icon: 'fa fas fa-hashtag',
+      description: '订单号、流水号与提现单号的前缀配置（原名配置项保留于此）。',
+      fields: [
+        { key: 'payment_order_prefix', label: '订单前缀', type: 'input', default: 'AKSRT', help: '订单号生成前缀' },
+        { key: 'payment_flow_prefix', label: '流水号前缀', type: 'input', sanitize_type: 'business_prefix', default: 'AK', maxlength: 12, help: '仅允许字母、数字、下划线和短横线，最多 12 位。' },
+        { key: 'payment_withdrawal_prefix', label: '提现单号前缀', type: 'input', sanitize_type: 'business_prefix', default: 'TX', maxlength: 12, help: '仅允许字母、数字、下划线和短横线，最多 12 位。' },
+        { key: 'payment_order_expiry', label: '订单支付时效(分钟)', type: 'number', default: 30, min: 5, max: 1440, help: '用户下单后，最大支付时间，超过后订单将自动关闭(不能低于5分钟)' },
+        { key: 'pay_wait_float_s', label: '浮窗显示待支付订单', type: 'switch', default: true, help: '将用户待支付订单一直显示在右上角，提醒用户付款' },
+      ],
+    },
+    {
+      key: 'sdk-order',
+      title: '收款接口显示顺序',
+      icon: 'fa fas fa-sort-amount-down',
+      fields: [
+        {
+          key: 'pay_sdk_order',
+          label: '显示顺序',
+          type: 'sortable',
+          default: {},
+          items: [
+            { key: 'wechat', title: '微信', fields: [] },
+            { key: 'alipay', title: '支付宝', fields: [] },
+            { key: 'paypal', title: 'PayPal(贝宝)', fields: [] },
+            { key: 'stripe', title: 'Stripe', fields: [] },
+            { key: 'balance', title: '余额', fields: [] },
+            { key: 'card_pass', title: '卡密', fields: [] },
+          ],
+          help: '收银台支付方式显示顺序；仅显示已开启的接口',
+        },
+      ],
+    },
+    {
+      key: 'alipay',
+      title: '支付宝官方',
+      icon: 'fa fas fa-credit-card',
+      description: '支付宝官方接口（当面付 / 网站应用）。',
+      collapsible: true,
+      expandWhen: 'pay_alipay_sdk_options',
+      dependsOn: { key: 'pay_alipay_sdk_options', value: 'official_alipay' },
+      fields: [
+        {
+          key: 'alipay_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<ul style="margin:0 0 0 18px;line-height:1.9"><li>支付宝公钥为必填项目（公钥错误可以成功付款，但会回调失败）</li><li>回调地址固定为 /wp-json/aksrt/v1/payment/alipay/{notify|return}</li><li>同时填写了企业支付以及当面付参数，则优先使用当面付</li></ul>',
+        },
+        { key: 'alipay_appid', label: '当面付：APPID', type: 'input', default: '' },
+        { key: 'alipay_privatekey', label: '当面付：应用私钥', type: 'textarea', sanitize_type: 'code', default: '', rows: 4 },
+        {
+          key: 'alipay_payment_type',
+          label: '支付方式',
+          type: 'select',
+          default: 'page',
+          options: [
+            { label: '电脑网站支付（web）', value: 'page' },
+            { label: '手机网站支付（wap）', value: 'wap' },
+          ],
+        },
+        { key: 'alipay_app_public_cert_path', label: '应用公钥证书路径', type: 'input', default: '', help: 'appCertPublicKey.crt 绝对路径。' },
+        { key: 'alipay_public_cert_path', label: '支付宝公钥证书路径', type: 'input', default: '', help: 'alipayCertPublicKey_RSA2.crt 绝对路径。' },
+        { key: 'alipay_root_cert_path', label: '支付宝根证书路径', type: 'input', default: '', help: 'alipayRootCert.crt 绝对路径。' },
       ],
     },
     {
       key: 'wechat',
-      title: '微信支付配置',
+      title: '微信官方',
       icon: 'fa fab fa-weixin',
-      description: '开启「微信支付」后填写商户号与密钥。',
+      description: '微信企业支付官方接口。',
       collapsible: true,
-      expandWhen: 'payment_wechat_enabled',
-      dependsOn: { key: 'payment_wechat_enabled', value: true },
+      expandWhen: 'pay_wechat_sdk_options',
+      dependsOn: { key: 'pay_wechat_sdk_options', value: 'official_wechat' },
       fields: [
-        { key: 'wechat_merchantid', label: '商户号', type: 'input', default: '' },
-        { key: 'wechat_appid', label: 'AppID', type: 'input', default: '' },
-        { key: 'wechat_payment_type', label: '支付方式', type: 'select', default: 'native', options: [
-          { label: '扫码支付（Native）', value: 'native' },
-          { label: 'H5支付', value: 'h5' },
-        ] },
-        { key: 'wechat_api_v3_key', label: 'APIv3密钥', type: 'input', default: '', help: '微信商户平台设置的 APIv3 密钥（32位）。' },
+        {
+          key: 'wechat_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<ul style="margin:0 0 0 18px;line-height:1.9"><li>微信企业支付：官方接口，商家可申请，有年费，申请较为复杂</li><li>回调地址固定为 /wp-json/aksrt/v1/payment/wechatpay/{notify|return}，请配置 Native 支付回调链接</li></ul>',
+        },
+        { key: 'wechat_merchantid', label: '商户号 PartnerID', type: 'input', default: '' },
+        { key: 'wechat_appid', label: '授权绑定的AppID', type: 'input', default: '' },
+        {
+          key: 'wechat_payment_type',
+          label: '支付方式',
+          type: 'select',
+          default: 'native',
+          options: [
+            { label: '扫码支付（Native）', value: 'native' },
+            { label: 'H5支付', value: 'h5' },
+          ],
+        },
+        { key: 'wechat_api_v3_key', label: '支付APIv3密钥', type: 'input', default: '', help: '微信商户平台设置的 APIv3 密钥（32位）。' },
         { key: 'wechat_private_key_path', label: '商户私钥路径', type: 'input', default: '', help: 'apiclient_key.pem 绝对路径，用于签名。' },
         { key: 'wechat_cert_path', label: '商户API证书路径', type: 'input', default: '', help: 'apiclient_cert.pem 绝对路径。' },
       ],
     },
-    {
-      key: 'alipay',
-      title: '支付宝配置',
-      icon: 'fa fas fa-credit-card',
-      description: '开启「支付宝」后填写应用与证书。',
-      collapsible: true,
-      expandWhen: 'payment_alipay_enabled',
-      dependsOn: { key: 'payment_alipay_enabled', value: true },
-      fields: [
-        { key: 'alipay_appid', label: 'AppID', type: 'input', default: '' },
-        { key: 'alipay_privatekey', label: '应用私钥', type: 'textarea', rows: 3, default: '' },
-        { key: 'alipay_payment_type', label: '支付方式', type: 'select', default: 'page', options: [
-          { label: '电脑网站支付（web）', value: 'page' },
-          { label: '手机网站支付（wap）', value: 'wap' },
-        ] },
-        { key: 'alipay_app_public_cert_path', label: '应用公钥证书路径', type: 'input', default: '', help: 'appCertPublicKey.crt 绝对路径。' },
-        { key: 'alipay_public_cert_path', label: '支付宝公钥证书路径', type: 'input', default: '', help: 'alipayCertPublicKey_RSA2.crt 绝对路径。' },
-        { key: 'alipay_root_cert_path', label: '支付宝根证书路径', type: 'input', default: '', help: 'alipayRootCert.crt 绝对路径。' },
-        { key: 'alipay_notify_help', label: '回调地址说明', type: 'notice', alertType: 'info', alertContent: '异步通知 / 同步返回已固定为 /wp-json/aksrt/v1/payment/alipay/{notify|return}，无需在此填写。' },
-      ],
-    },
     {
       key: 'paypal',
-      title: 'PayPal 配置',
+      title: 'PayPal（贝宝）',
       icon: 'fa fab fa-paypal',
-      description: '开启「PayPal」后填写 Client 凭据。',
+      description: '常见的海外支付接口。',
       collapsible: true,
-      expandWhen: 'payment_paypal_enabled',
-      dependsOn: { key: 'payment_paypal_enabled', value: true },
+      expandWhen: 'pay_paypal_sdk_s',
+      dependsOn: { key: 'pay_paypal_sdk_s', value: true },
       fields: [
+        {
+          key: 'paypal_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<ul style="margin:0 0 0 18px;line-height:1.9"><li>PayPal（贝宝）是常见的海外支付接口</li><li>如果您的收款账户为中国大陆地区，则账户类型必须是企业，且只能收取非中国大陆区的PayPal付款</li><li>REST 应用申请：https://developer.paypal.com/dashboard/applications</li></ul>',
+        },
         { key: 'paypal_client_id', label: 'Client ID', type: 'input', default: '' },
         { key: 'paypal_client_secret', label: 'Client Secret', type: 'input', default: '' },
-        { key: 'paypal_currency', label: '货币', type: 'input', default: 'USD' },
-        { key: 'paypal_sandbox', label: '沙箱模式', type: 'switch', default: true },
+        { key: 'paypal_currency', label: '结算货币', type: 'select', default: 'USD', options: currencyOptions },
+        { key: 'paypal_rates', label: '货币汇率', type: 'input', default: '0.14', help: '根据你选择的货币类型与您定价货币的汇率进行填写，例如1元人民币兑换0.137美元(USD)，则此处填0.137' },
+        { key: 'paypal_sandbox', label: '沙盒调试模式', type: 'switch', default: false, help: '沙箱模式（Sandbox）是PayPal支付的测试环境。开启后请使用沙箱环境生成的收款账户和付款账户进行测试。' },
       ],
     },
     {
       key: 'stripe',
-      title: 'Stripe 配置',
+      title: 'Stripe',
       icon: 'fa fab fa-cc-stripe',
-      description: '开启「Stripe」后填写 API Key 与 Webhook。',
+      description: '常见的海外信用卡收款接口。',
       collapsible: true,
-      expandWhen: 'payment_stripe_enabled',
-      dependsOn: { key: 'payment_stripe_enabled', value: true },
+      expandWhen: 'pay_stripe_sdk_s',
+      dependsOn: { key: 'pay_stripe_sdk_s', value: true },
       fields: [
-        { key: 'stripe_secret_key', label: 'Secret Key', type: 'input', default: '' },
+        {
+          key: 'stripe_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<ul style="margin:0 0 0 18px;line-height:1.9"><li>Stripe 是常见的海外信用卡收款接口</li><li>API 密钥申请：https://dashboard.stripe.com/apikeys</li><li>Webhook 事件：checkout.session.completed</li><li>测试环境请使用 sk_test_ 开头的 Secret Key</li></ul>',
+        },
+        { key: 'stripe_secret_key', label: '私钥Secret Key', type: 'input', default: '', help: 'Stripe Dashboard → Developers → API keys → Secret key' },
         { key: 'stripe_publishable_key', label: 'Publishable Key', type: 'input', default: '' },
-        { key: 'stripe_webhook_secret', label: 'Webhook Secret', type: 'input', default: '', help: 'Stripe Dashboard 配置 Webhook 后获得，用于验签。' },
-        { key: 'stripe_currency', label: '货币', type: 'input', default: 'usd' },
-        { key: 'stripe_test_mode', label: '测试模式', type: 'switch', default: true },
+        { key: 'stripe_webhook_secret', label: '签名密钥Webhook Secret', type: 'input', default: '', help: 'Developers → Webhooks → 端点 → Signing secret（whsec_ 开头）' },
+        { key: 'stripe_currency', label: '结算货币', type: 'select', default: 'USD', options: currencyOptions },
+        { key: 'stripe_rates', label: '货币汇率', type: 'input', default: '0.14', help: '根据你选择的货币类型与您定价货币的汇率进行填写，例如1元人民币兑换0.137美元(USD)，则此处填0.137' },
+        { key: 'stripe_test_mode', label: '测试模式', type: 'switch', default: false, help: '如果使用的测试开放模式，则请使用 sk_test_ 测试密钥与 Stripe 测试卡进行配置' },
       ],
     },
     {
       key: 'epay',
-      title: '易支付配置',
+      title: '易支付',
       icon: 'fa fas fa-university',
-      description: '开启「易支付」后填写接口地址与商户信息，并选择支付宝/微信子通道。',
+      description: '易支付（彩虹协议）聚合收银台；通道由上方微信/支付宝接口选择控制。',
       collapsible: true,
-      expandWhen: 'payment_epay_enabled',
-      dependsOn: { key: 'payment_epay_enabled', value: true },
+      expandWhen: 'pay_wechat_sdk_options',
+      dependsOn: {
+        any: [
+          { key: 'pay_wechat_sdk_options', value: 'epay' },
+          { key: 'pay_alipay_sdk_options', value: 'epay' },
+        ],
+      },
       fields: [
-        { key: 'epay_apiurl', label: '接口地址', type: 'input', default: '', help: '易支付站点根地址，如 https://pay.example.com/（末尾斜杠可选）。' },
-        { key: 'epay_pid', label: '商户ID', type: 'input', default: '' },
-        { key: 'epay_key', label: '商户密钥', type: 'input', default: '', help: 'MD5 通信密钥。' },
-        { key: 'epay_channel_alipay', label: '启用支付宝通道', type: 'switch', default: true },
-        { key: 'epay_channel_wxpay', label: '启用微信通道', type: 'switch', default: true },
-        { key: 'epay_device', label: '下单终端', type: 'select', default: 'auto', options: [
-          { label: '自动（按 UA）', value: 'auto' },
-          { label: '电脑端 submit', value: 'pc' },
-          { label: '移动端 mapi', value: 'mobile' },
-        ] },
-        { key: 'epay_notify_help', label: '回调地址说明', type: 'notice', alertType: 'info', alertContent: '异步/同步回调固定为 /wp-json/aksrt/v1/payment/epay_alipay/{notify|return} 与 /payment/epay_wxpay/{notify|return}，请在易支付后台放行对应 URL。' },
+        {
+          key: 'epay_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<ul style="margin:0 0 0 18px;line-height:1.9"><li>易支付是一个常见的支付系统源码，任何人都可以下载并搭建</li><li>同时市面上多数的小规模支付平台都是由易支付修改而来，例如部分码支付、源支付等等</li><li>由于此接口服务商众多，主题只负责技术接入，平台可靠性请自行斟酌</li></ul>',
+        },
+        { key: 'epay_apiurl', label: 'API接口网址', type: 'input', default: '', help: '请填写接口地址，例如：https://pay.xxxxxxx.cn/' },
+        { key: 'epay_pid', label: '商户号', type: 'input', default: '' },
+        { key: 'epay_key', label: '商户秘钥', type: 'input', default: '', help: 'MD5 通信密钥。' },
+        {
+          key: 'epay_device',
+          label: '下单终端',
+          type: 'select',
+          default: 'auto',
+          options: [
+            { label: '自动（按 UA）', value: 'auto' },
+            { label: '电脑端 submit', value: 'pc' },
+            { label: '移动端 mapi', value: 'mobile' },
+          ],
+        },
       ],
     },
   ],
 }
+
+/** PayPal / Stripe 结算货币选项（参考主题同款 26 种）。 */
+const currencyOptions = [
+  { label: '澳元 (AUD)', value: 'AUD' },
+  { label: '巴西雷亚尔 (BRL)', value: 'BRL' },
+  { label: '加拿大元 (CAD)', value: 'CAD' },
+  { label: '人民币 (CNY)', value: 'CNY' },
+  { label: '克朗 (CZK)', value: 'CZK' },
+  { label: '丹麦克朗 (DKK)', value: 'DKK' },
+  { label: '欧元 (EUR)', value: 'EUR' },
+  { label: '港币 (HKD)', value: 'HKD' },
+  { label: '匈牙利福林 (HUF)', value: 'HUF' },
+  { label: '印度卢比 (INR)', value: 'INR' },
+  { label: '以色列新谢克尔 (ILS)', value: 'ILS' },
+  { label: '日元 (JPY)', value: 'JPY' },
+  { label: '马来西亚林吉特 (MYR)', value: 'MYR' },
+  { label: '墨西哥比索 (MXN)', value: 'MXN' },
+  { label: '新台币 (TWD)', value: 'TWD' },
+  { label: '新西兰元 (NZD)', value: 'NZD' },
+  { label: '挪威克朗 (NOK)', value: 'NOK' },
+  { label: '菲律宾比索 (PHP)', value: 'PHP' },
+  { label: '波兰兹罗提 (PLN)', value: 'PLN' },
+  { label: '英镑 (GBP)', value: 'GBP' },
+  { label: '俄罗斯卢布 (RUB)', value: 'RUB' },
+  { label: '新加坡元 (SGD)', value: 'SGD' },
+  { label: '瑞典克朗 (SEK)', value: 'SEK' },
+  { label: '瑞士法郎 (CHF)', value: 'CHF' },
+  { label: '泰铢 (THB)', value: 'THB' },
+  { label: '美元 (USD)', value: 'USD' },
+]
diff --git a/assets/admin/src/schema/sections/payment/index.js b/assets/admin/src/schema/sections/payment/index.js
index d16780ab..18a612a4 100644
--- a/assets/admin/src/schema/sections/payment/index.js
+++ b/assets/admin/src/schema/sections/payment/index.js
@@ -2,23 +2,20 @@
  * Payment & Paid domain schemas.
  */
 
+import { knowledgeSchema } from './knowledge.js'
 import { rechargeSchema } from './recharge.js'
 import { vipSchema } from './vip.js'
 import { revenueSchema } from './revenue.js'
 import { affiliateSchema } from './affiliate.js'
 import { gatewaySchema } from './gateway.js'
-import { orderSchema } from './order.js'
-import { cardPassSchema } from './cardPass.js'
 import { withdrawalSchema } from './withdrawal.js'
 
 export const paymentSchemas = {
+  knowledge: knowledgeSchema,
   recharge: rechargeSchema,
   vip: vipSchema,
   revenue: revenueSchema,
   affiliate: affiliateSchema,
   gateway: gatewaySchema,
-  order: orderSchema,
-  'card-pass': cardPassSchema,
-  cardPass: cardPassSchema,
   withdrawal: withdrawalSchema,
 }
diff --git a/assets/admin/src/schema/sections/payment/knowledge.js b/assets/admin/src/schema/sections/payment/knowledge.js
new file mode 100644
index 00000000..6712d6db
--- /dev/null
+++ b/assets/admin/src/schema/sections/payment/knowledge.js
@@ -0,0 +1,238 @@
+/**
+ * 知识付费 — 1:1 复刻参考主题对应页面（免登陆购买 / 模块位置 / 优惠码 /
+ * 客户服务 / 付费下载 / 商品预置参数），并保留 AKSRT 订单展示与状态文案。
+ */
+export const knowledgeSchema = {
+  key: 'payment.knowledge',
+  title: '知识付费',
+  icon: 'fa fas fa-shopping-bag',
+  description: '付费内容总开关、免登陆购买、模块显示、优惠码与商品预置参数配置。',
+  defaults: {
+    pay_no_logged_in: true,
+    pay_cookie_day: 15,
+    pay_no_logged_remind: '您当前未登录！建议登陆后购买，可保存购买订单',
+    pay_box_position: 'top',
+    pay_free_logged_show: true,
+    pay_show_user: true,
+    pay_show_paycount: true,
+    coupon_post_s: false,
+    coupon_desc: '',
+    pay_mark: '付费',
+    payment_show_ip: false,
+    payment_show_device: false,
+    payment_show_order_no: true,
+    payment_show_create_time: true,
+    payment_show_pay_time: true,
+    payment_order_status_pending: '待支付',
+    payment_order_status_paid: '已支付',
+    payment_order_status_refunding: '退款中',
+    payment_order_status_refunded: '已退款',
+    payment_order_status_closed: '已关闭',
+    pay_service: [],
+    down_alone_page: false,
+    down_user_log: 50,
+    down_post_log: 50,
+    down_remote_to_local_s: true,
+    down_remote_to_local_size: 2048,
+    down_remote_to_local_ext: 'zip,rar,7z,text,png,jpg,jpeg,gif,mp3,mp4,avi,wmv,flv,swf,doc,docx,xls,xlsx,ppt,pptx,pdf',
+    down_verify_nonce: true,
+    pay_modo_default: '0',
+    points_price_default: 0,
+    vip_1_points_default: 0,
+    vip_2_points_default: 0,
+    pay_price_default: '0.01',
+    pay_original_price_default: '',
+    pay_promotion_tag_default: '<i class="fa fa-fw fa-bolt"></i> 限时特惠',
+    vip_1_price_default: '0',
+    vip_2_price_default: '0',
+    pay_rebate_discount: '0',
+    pay_cuont_default: { min: 0, max: 0 },
+    pay_details_default: '',
+    pay_extra_hide_default: '',
+    pay_attributes_default: [],
+    pay_gallery_show_default: 1,
+  },
+  groups: [
+    {
+      key: 'notice',
+      title: '说明',
+      icon: 'fa fas fa-info-circle',
+      fields: [
+        {
+          key: 'knowledge_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<p><b>知识付费</b></p><ul style="margin:6px 0 0 18px;line-height:1.9"><li>知识付费功能主要分为文章付费、付费会员、余额系统、推广返佣、创作分成等功能组成，您可以根据您的需要开启对应功能</li><li>使用支付功能请先在「收款接口」页配置好收款通道</li></ul>',
+        },
+      ],
+    },
+    {
+      key: 'guest-buy',
+      title: '免登陆购买',
+      icon: 'fa fas fa-user-clock',
+      fields: [
+        { key: 'pay_no_logged_in', label: '免登陆购买', type: 'switch', default: true, help: '开启后如果用户未登录则使用浏览器缓存验证是否购买' },
+        { key: 'pay_cookie_day', label: 'Cookie时间(天)', type: 'number', default: 15, min: 1, max: 31, dependsOn: { key: 'pay_no_logged_in', value: true }, help: '免登陆购买的浏览器缓存有效时间' },
+        { key: 'pay_no_logged_remind', label: '未登录提醒', type: 'textarea', default: '您当前未登录！建议登陆后购买，可保存购买订单', rows: 2, dependsOn: { key: 'pay_no_logged_in', value: true } },
+      ],
+    },
+    {
+      key: 'box-position',
+      title: '模块显示位置',
+      icon: 'fa fas fa-arrows-alt',
+      fields: [
+        {
+          key: 'pay_box_position',
+          label: '购买模块位置',
+          type: 'radio',
+          default: 'top',
+          options: [
+            { label: '文章模块上方', value: 'box_top' },
+            { label: '文章内容顶部', value: 'top' },
+            { label: '文章内容底部', value: 'bottom' },
+            { label: '文章模块下方', value: 'box_bottom' },
+          ],
+          help: '在文章页面中购买模块的显示位置',
+        },
+      ],
+    },
+    {
+      key: 'display-basic',
+      title: '基础显示',
+      icon: 'fa fas fa-eye',
+      fields: [
+        { key: 'pay_free_logged_show', label: '免费资源登录可见', type: 'switch', default: true, help: '免费资源必须登录后才能查看' },
+        { key: 'pay_show_user', label: '订单数据', type: 'switch', default: true, help: '在用户中心显示订单数据' },
+        { key: 'pay_show_paycount', label: '销量显示', type: 'switch', default: true, help: '商品详情显示销售数量' },
+      ],
+    },
+    {
+      key: 'coupon',
+      title: '商品优惠码',
+      icon: 'fa fas fa-ticket-alt',
+      fields: [
+        { key: 'coupon_post_s', label: '为所有商品启用优惠券功能', type: 'switch', default: false, help: '开启后将为所有商品显示输入优惠码的功能；也可以单独给任意一个商品开启' },
+        { key: 'coupon_desc', label: '优惠码默认说明', type: 'textarea', default: '', rows: 1, dependsOn: { key: 'coupon_post_s', value: true }, help: '用户填写优惠码时展示的提醒内容，支持HTML代码' },
+      ],
+    },
+    {
+      key: 'display',
+      title: '展示设置',
+      icon: 'fa fas fa-list-alt',
+      fields: [
+        { key: 'pay_mark', label: '付费标记', type: 'input', default: '付费' },
+        { key: 'payment_show_ip', label: '显示用户IP', type: 'switch', default: false },
+        { key: 'payment_show_device', label: '显示设备信息', type: 'switch', default: false },
+        { key: 'payment_show_order_no', label: '显示订单号', type: 'switch', default: true },
+        { key: 'payment_show_create_time', label: '显示创建时间', type: 'switch', default: true },
+        { key: 'payment_show_pay_time', label: '显示支付时间', type: 'switch', default: true },
+      ],
+    },
+    {
+      key: 'status',
+      title: '状态设置',
+      icon: 'fa fas fa-tags',
+      fields: [
+        { key: 'payment_order_status_pending', label: '待支付状态文案', type: 'input', default: '待支付' },
+        { key: 'payment_order_status_paid', label: '已支付状态文案', type: 'input', default: '已支付' },
+        { key: 'payment_order_status_refunding', label: '退款中状态文案', type: 'input', default: '退款中' },
+        { key: 'payment_order_status_refunded', label: '已退款状态文案', type: 'input', default: '已退款' },
+        { key: 'payment_order_status_closed', label: '已关闭状态文案', type: 'input', default: '已关闭' },
+      ],
+    },
+    {
+      key: 'service',
+      title: '客户服务',
+      icon: 'fa fas fa-headphones',
+      fields: [
+        {
+          key: 'pay_service',
+          label: '用户服务内容',
+          type: 'group',
+          button_title: '添加服务项',
+          default: [],
+          fields: [
+            { key: 'value', label: '服务内容', type: 'input', default: '' },
+            { key: 'icon', label: '自定义图标', type: 'icon', default: '' },
+          ],
+        },
+      ],
+    },
+    {
+      key: 'feature',
+      title: '商品功能配置',
+      icon: 'fa fas fa-cubes',
+      fields: [
+        {
+          key: 'pay_type_option',
+          label: '商品功能配置',
+          type: 'tabbed',
+          tabs: [
+            {
+              key: 'download',
+              title: '付费下载',
+              fields: [
+                { key: 'down_alone_page', label: '独立下载页面', type: 'switch', default: false, help: '开启后，付费资源的下载链接会跳转独立页面显示' },
+                { key: 'down_user_log', label: '保存用户下载记录(条)', type: 'number', default: 50, min: 0, help: '填0则不保存，注意记录量太大可能会影响网站性能' },
+                { key: 'down_post_log', label: '保存文章下载记录(条)', type: 'number', default: 50, min: 0, help: '填0则不保存，注意记录量太大可能会影响网站性能' },
+                { key: 'down_remote_to_local_s', label: '远程文件转本地文件下载', type: 'switch', default: true, help: '当下载地址为外链文件时，先将远程文件下载到本地服务器，再提供给用户下载，可完全隐藏远程下载地址' },
+                { key: 'down_remote_to_local_size', label: '文件大小限制(Kb)', type: 'number', default: 2048, min: 0 },
+                { key: 'down_remote_to_local_ext', label: '文件格式限制', type: 'input', default: 'zip,rar,7z,text,png,jpg,jpeg,gif,mp3,mp4,avi,wmv,flv,swf,doc,docx,xls,xlsx,ppt,pptx,pdf', help: '限制使用此功能的文件格式，多个用英文逗号隔开' },
+                { key: 'down_verify_nonce', label: '下载前检测用户环境', type: 'switch', default: true, help: '防止机器批量扫描下载，有效防止跨站攻击' },
+              ],
+            },
+          ],
+        },
+      ],
+    },
+    {
+      key: 'presets',
+      title: '商品预置参数配置',
+      icon: 'fa fas fa-sliders-h',
+      fields: [
+        {
+          key: 'presets_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '在下方配置的参数新建文章时候会自动填入，方便新建文章的设置。最终以文章配置为准',
+        },
+        {
+          key: 'pay_modo_default',
+          label: '支付类型',
+          type: 'radio',
+          default: '0',
+          options: [
+            { label: '普通商品（金钱购买）', value: '0' },
+            { label: '积分商品（积分购买，依赖于用户积分功能）', value: 'points' },
+          ],
+        },
+        { key: 'points_price_default', label: '积分售价(积分)', type: 'number', default: 0, min: 0 },
+        { key: 'vip_1_points_default', label: '一级会员积分售价(积分)', type: 'number', default: 0, min: 0 },
+        { key: 'vip_2_points_default', label: '二级会员积分售价(积分)', type: 'number', default: 0, min: 0 },
+        { key: 'pay_price_default', label: '执行价', type: 'input', sanitize_type: 'money_decimal', default: '0.01', suffix: '元' },
+        { key: 'pay_original_price_default', label: '原价', type: 'input', sanitize_type: 'money_decimal', default: '', suffix: '元', help: '显示在执行价格前面，并划掉' },
+        { key: 'pay_promotion_tag_default', label: '促销标签', type: 'textarea', sanitize_type: 'html', default: '<i class="fa fa-fw fa-bolt"></i> 限时特惠', rows: 1 },
+        { key: 'vip_1_price_default', label: '一级会员价格', type: 'input', sanitize_type: 'money_decimal', default: '0', suffix: '元', help: '填0则为一级会员免费' },
+        { key: 'vip_2_price_default', label: '二级会员价格', type: 'input', sanitize_type: 'money_decimal', default: '0', suffix: '元', help: '填0则为二级会员免费' },
+        { key: 'pay_rebate_discount', label: '推广折扣', type: 'input', sanitize_type: 'money_decimal', default: '0', suffix: '元', help: '通过推广链接购买，额外优惠的金额；需开启推广返佣功能，且不能超过实际购买价' },
+        { key: 'pay_cuont_default', label: '销量浮动', type: 'between_number', default: { min: 0, max: 0 }, help: '为真实销量增加或减少的数量，系统会根据此处设置的区间获取随机值作为预置参数' },
+        { key: 'pay_details_default', label: '更多详情', type: 'textarea', sanitize_type: 'html', default: '', rows: 3, help: '可插入任意的HTML代码' },
+        { key: 'pay_extra_hide_default', label: '额外隐藏内容', type: 'textarea', sanitize_type: 'html', default: '', rows: 3, help: '可插入任意的HTML代码' },
+        {
+          key: 'pay_attributes_default',
+          label: '资源属性',
+          type: 'group',
+          button_title: '添加属性',
+          default: [],
+          fields: [
+            { key: 'key', label: '属性名称', type: 'input', default: '' },
+            { key: 'value', label: '属性内容', type: 'input', default: '' },
+          ],
+        },
+        { key: 'pay_gallery_show_default', label: '付费图片免费查看数量(张)', type: 'number', default: 1, min: 0, help: '设置付费图片可免费查看前几张图片的数量的默认值' },
+      ],
+    },
+  ],
+}
diff --git a/assets/admin/src/schema/sections/payment/order.js b/assets/admin/src/schema/sections/payment/order.js
deleted file mode 100644
index 520d5639..00000000
--- a/assets/admin/src/schema/sections/payment/order.js
+++ /dev/null
@@ -1,94 +0,0 @@
-export const orderSchema = {
-  key: 'payment.order',
-  title: '订单设置',
-  icon: 'fa fas fa-file-alt',
-  description: '配置订单前缀、有效期、展示字段和状态文案。',
-  defaults: {
-    payment_order_prefix: 'AKSRT',
-    payment_flow_prefix: 'AK',
-    payment_withdrawal_prefix: 'TX',
-    payment_order_expiry: 30,
-    pay_show_user: true,
-    pay_show_paycount: true,
-    pay_no_logged_in: true,
-    pay_cookie_day: 15,
-    pay_no_logged_remind: '您当前未登录！建议登陆后购买，可保存购买订单',
-    pay_wait_float_s: true,
-    payment_order_max_minutes: 30,
-    pay_mark: '付费',
-    pay_box_position: 'top',
-    payment_show_ip: false,
-    payment_show_device: false,
-    payment_show_order_no: true,
-    payment_show_create_time: true,
-    payment_show_pay_time: true,
-    payment_order_status_pending: '待支付',
-    payment_order_status_paid: '已支付',
-    payment_order_status_refunding: '退款中',
-    payment_order_status_refunded: '已退款',
-    payment_order_status_closed: '已关闭',
-    pay_service: '',
-    pay_service_icon: '',
-    pay_service_value: '',
-    pay_service_qq: '',
-    pay_service_wechat: '',
-  },
-  groups: [
-    {
-      key: 'basic',
-      title: '订单基础',
-      icon: 'fa fas fa-cog',
-      fields: [
-        { key: 'payment_order_prefix', label: '订单前缀', type: 'input', default: 'AKSRT' },
-        { key: 'payment_flow_prefix', label: '流水号前缀', type: 'input', sanitize_type: 'business_prefix', default: 'AK', maxlength: 12, help: '仅允许字母、数字、下划线和短横线，最多 12 位。' },
-        { key: 'payment_withdrawal_prefix', label: '提现单号前缀', type: 'input', sanitize_type: 'business_prefix', default: 'TX', maxlength: 12, help: '仅允许字母、数字、下划线和短横线，最多 12 位。' },
-        { key: 'payment_order_expiry', label: '订单有效期(分钟)', type: 'number', default: 30, min: 5, max: 1440 },
-        { key: 'pay_show_user', label: '显示用户信息', type: 'switch', default: true },
-        { key: 'pay_show_paycount', label: '显示购买次数', type: 'switch', default: true },
-        { key: 'pay_no_logged_in', label: '未登录提示', type: 'switch', default: true },
-        { key: 'pay_cookie_day', label: 'Cookie有效期(天)', type: 'number', default: 15, min: 1, max: 31, help: '未登录购买 Cookie 有效时间，1-31 天' },
-        { key: 'pay_no_logged_remind', label: '未登录提醒文案', type: 'textarea', default: '您当前未登录！建议登陆后购买，可保存购买订单', help: '未登录用户查看付费内容时的提醒文案' },
-        { key: 'pay_wait_float_s', label: '订单等待浮动', type: 'switch', default: true },
-        { key: 'payment_order_max_minutes', label: '订单最大支付时间(分钟)', type: 'number', default: 30, min: 5, max: 1440 },
-      ],
-    },
-    {
-      key: 'display',
-      title: '展示设置',
-      icon: 'fa fas fa-eye',
-      fields: [
-        { key: 'pay_mark', label: '付费标记', type: 'input', default: '付费' },
-        { key: 'pay_box_position', label: '付费框位置', type: 'radio', default: 'top', options: [{ label: '文章框顶部（封面后）', value: 'box_top' }, { label: '正文顶部', value: 'top' }, { label: '正文底部', value: 'bottom' }, { label: '文章框底部（相关前）', value: 'box_bottom' }] },
-        { key: 'payment_show_ip', label: '显示用户IP', type: 'switch', default: false },
-        { key: 'payment_show_device', label: '显示设备信息', type: 'switch', default: false },
-        { key: 'payment_show_order_no', label: '显示订单号', type: 'switch', default: true },
-        { key: 'payment_show_create_time', label: '显示创建时间', type: 'switch', default: true },
-        { key: 'payment_show_pay_time', label: '显示支付时间', type: 'switch', default: true },
-      ],
-    },
-    {
-      key: 'status',
-      title: '状态设置',
-      icon: 'fa fas fa-tags',
-      fields: [
-        { key: 'payment_order_status_pending', label: '待支付状态文案', type: 'input', default: '待支付' },
-        { key: 'payment_order_status_paid', label: '已支付状态文案', type: 'input', default: '已支付' },
-        { key: 'payment_order_status_refunding', label: '退款中状态文案', type: 'input', default: '退款中' },
-        { key: 'payment_order_status_refunded', label: '已退款状态文案', type: 'input', default: '已退款' },
-        { key: 'payment_order_status_closed', label: '已关闭状态文案', type: 'input', default: '已关闭' },
-      ],
-    },
-    {
-      key: 'service',
-      title: '服务设置',
-      icon: 'fa fas fa-headphones',
-      fields: [
-        { key: 'pay_service', label: '客服设置', type: 'textarea', default: '' },
-        { key: 'pay_service_icon', label: '客服图标', type: 'icon', default: '' },
-        { key: 'pay_service_value', label: '客服内容', type: 'input', default: '' },
-        { key: 'pay_service_qq', label: 'QQ客服', type: 'input', default: '' },
-        { key: 'pay_service_wechat', label: '微信客服', type: 'media', default: '' },
-      ],
-    },
-  ],
-}
diff --git a/assets/admin/src/schema/sections/payment/recharge.js b/assets/admin/src/schema/sections/payment/recharge.js
index 95e450c6..ef4e1678 100644
--- a/assets/admin/src/schema/sections/payment/recharge.js
+++ b/assets/admin/src/schema/sections/payment/recharge.js
@@ -1,24 +1,44 @@
+/**
+ * 余额充值 — 参考主题结构：用户余额（含余额提现）、转账、充值商品选项、
+ * 卡密充值、充值卡（原「充值卡」页并入）与余额兑换积分。
+ */
 export const rechargeSchema = {
   key: 'payment.recharge',
   title: '余额充值',
   icon: 'fa fas fa-bolt',
-  description: '配置余额充值套餐、转账与积分兑换。',
+  description: '配置余额功能、充值商品选项、卡密充值、充值卡规则与余额兑换积分。',
   defaults: {
     pay_balance_s: true,
+    pay_balance_withdraw_s: false,
     pay_balance_desc: '',
-    pay_balance_product: '30|30|入门包\n98|108|推荐包',
-    pay_balance_product_name: '',
-    pay_balance_price: 0,
-    pay_balance_tag: '元',
-    pay_balance_tag_class: '',
-    pay_balance_product_custom_s: true,
-    pay_balance_product_custom_limit: 9999,
     pay_balance_transfer_s: false,
     pay_balance_transfer_service_charge: 0,
     pay_balance_transfer_desc: '',
+    pay_balance_product: [
+      { price: 50, pay_price: 0, tag: '', tag_class: '' },
+      { price: 100, pay_price: 98, tag: '', tag_class: '' },
+      { price: 200, pay_price: 188, tag: '推荐', tag_class: 'jb-cyan' },
+      { price: 500, pay_price: 468, tag: '特惠', tag_class: 'jb-pink' },
+    ],
+    pay_balance_product_custom_s: true,
+    pay_balance_product_custom_limit: 9999,
     pay_balance_pass_charge_s: false,
     pay_balance_pass_charge_desc: '',
     pay_balance_pass_charge_only_password: false,
+    card_pass_enabled: false,
+    card_pass_desc: '',
+    card_pass_type: 'balance',
+    card_pass_prefix: 'AK',
+    card_pass_length: 16,
+    card_pass_batch_size: 50,
+    card_pass_max_redeem: 1,
+    card_pass_expiry: 0,
+    card_pass_amount: '10.00',
+    card_pass_vip_days: 30,
+    card_pass_credits: 0,
+    card_pass_redeem_page: '',
+    card_pass_success_msg: '兑换成功！',
+    card_pass_fail_msg: '卡号无效或已过期',
     pay_balance_points_exchange_s: false,
     pay_balance_points_exchange_rate: 100,
     pay_balance_points_exchange_min_points: 100,
@@ -26,34 +46,28 @@ export const rechargeSchema = {
     pay_balance_points_exchange_desc: '',
   },
   groups: [
+    {
+      key: 'notice',
+      title: '说明',
+      icon: 'fa fas fa-info-circle',
+      fields: [
+        {
+          key: 'recharge_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<p><b>用户余额功能：</b></p><ul style="margin:6px 0 0 18px;line-height:1.9"><li>开启后用户可充值到余额，余额可用于全站消费</li><li>在下方设置默认的分成比例，同时支持单独为每一个用户设置独立的分成比例</li><li>可以在用户管理中，为某一个用户手动赠送余额</li></ul>',
+        },
+      ],
+    },
     {
       key: 'basic',
-      title: '充值开关',
+      title: '用户余额',
       icon: 'fa fas fa-credit-card',
       fields: [
-        { 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: 'packages',
-      title: '充值套餐',
-      icon: 'fa fas fa-folder-open',
-      fields: [
-        { key: 'pay_balance_product', label: '套餐列表', type: 'textarea', default: '30|30|入门包\n98|108|推荐包', help: '每行一个套餐：支付金额|到账金额|标题', dependsOn: { key: 'pay_balance_s', value: true } },
-      ],
-    },
-    {
-      key: 'product',
-      title: '充值产品',
-      icon: 'fa fas fa-archive',
-      fields: [
-        { key: 'pay_balance_product_name', label: '充值产品', type: 'input', default: '', dependsOn: { key: 'pay_balance_s', value: true } },
-        { key: 'pay_balance_price', label: '充值价格', type: 'number', default: 0, min: 0, max: 99999, dependsOn: { key: 'pay_balance_s', value: true } },
-        { key: 'pay_balance_tag', label: '价格标签', type: 'input', default: '元', dependsOn: { key: 'pay_balance_s', value: true } },
-        { key: 'pay_balance_tag_class', label: '标签样式', type: 'input', default: '', dependsOn: { key: 'pay_balance_s', value: true } },
-        { key: 'pay_balance_product_custom_s', label: '自定义金额', type: 'switch', default: true, dependsOn: { key: 'pay_balance_s', value: true } },
-        { key: 'pay_balance_product_custom_limit', label: '自定义金额限制', type: 'number', default: 9999, min: 1, max: 99999, dependsOn: { key: 'pay_balance_s', value: true } },
+        { key: 'pay_balance_s', label: '启用余额充值/支付功能', type: 'switch', default: true, help: '开启后用户中心显示现金钱包，并可作为收银台支付方式' },
+        { key: 'pay_balance_withdraw_s', label: '余额提现', type: 'switch', default: false, dependsOn: { key: 'pay_balance_s', value: true }, help: '允许将余额提现' },
+        { key: 'pay_balance_desc', label: '充值说明', type: 'textarea', default: '', rows: 3, dependsOn: { key: 'pay_balance_s', value: true }, help: '用户充值时显示的内容，建议为提醒事项、充值协议等，支持HTML代码' },
       ],
     },
     {
@@ -61,23 +75,83 @@ export const rechargeSchema = {
       title: '余额转账',
       icon: 'fa fas fa-exchange-alt',
       fields: [
-        { key: 'pay_balance_transfer_s', label: '启用余额转账', type: 'switch', default: false },
+        { key: 'pay_balance_transfer_s', label: '启用余额转账', type: 'switch', default: false, help: '允许用户转账给其他用户' },
         { key: 'pay_balance_transfer_service_charge', label: '转账手续费(%)', type: 'number', default: 0, min: 0, max: 50, dependsOn: { key: 'pay_balance_transfer_s', value: true } },
-        { key: 'pay_balance_transfer_desc', label: '转账说明', type: 'textarea', default: '', dependsOn: { key: 'pay_balance_transfer_s', value: true } },
+        { key: 'pay_balance_transfer_desc', label: '转账说明', type: 'textarea', default: '', rows: 2, dependsOn: { key: 'pay_balance_transfer_s', value: true }, help: '用户转账时候显示的内容，建议为提醒事项、转账协议等，支持HTML代码' },
+      ],
+    },
+    {
+      key: 'products',
+      title: '充值商品选项',
+      icon: 'fa fas fa-archive',
+      fields: [
+        {
+          key: 'pay_balance_product',
+          label: '充值金额选项',
+          type: 'group',
+          button_title: '添加充值金额选项',
+          default: [
+            { price: 50, pay_price: 0, tag: '', tag_class: '' },
+            { price: 100, pay_price: 98, tag: '', tag_class: '' },
+            { price: 200, pay_price: 188, tag: '推荐', tag_class: 'jb-cyan' },
+            { price: 500, pay_price: 468, tag: '特惠', tag_class: 'jb-pink' },
+          ],
+          help: '用户充值时候，可快速选择的充值金额，同时支持设置折扣',
+          fields: [
+            { key: 'price', label: '充值金额', type: 'number', default: 100, min: 0, suffix: '元' },
+            { key: 'pay_price', label: '销售金额', type: 'number', default: 0, min: 0, suffix: '元', help: '选填，设置不同的销售金额实现充值折扣的功能，设置为0则与充值金额一致' },
+            { key: 'tag', label: '小标签', type: 'input', default: '', help: '支持HTML，请注意控制长度' },
+            { key: 'tag_class', label: '标签颜色类', type: 'input', default: '', help: '主题标签颜色类，如 jb-cyan / jb-pink' },
+          ],
+        },
+        { key: 'pay_balance_product_custom_s', label: '自定义充值金额', type: 'switch', default: true, help: '允许用户手动输入充值金额' },
+        { key: 'pay_balance_product_custom_limit', label: '自定义充值金额上限', type: 'number', default: 9999, min: 1, max: 99999, dependsOn: { key: 'pay_balance_product_custom_s', value: true } },
       ],
     },
     {
       key: 'pass-charge',
-      title: '充值卡免扣',
+      title: '卡密充值',
       icon: 'fa fas fa-ticket-alt',
       fields: [
-        { key: 'pay_balance_pass_charge_s', label: '启用余额卡密兑换', type: 'switch', default: false },
-        { key: 'pay_balance_pass_charge_desc', label: '卡密兑换说明', type: 'textarea', default: '', dependsOn: { key: 'pay_balance_pass_charge_s', value: true } },
-        { key: 'pay_balance_pass_charge_only_password', label: '仅密码兑换', type: 'switch', default: false, dependsOn: { key: 'pay_balance_pass_charge_s', value: true } },
+        { key: 'pay_balance_pass_charge_s', label: '启用卡密充值余额功能', type: 'switch', default: false },
+        { key: 'pay_balance_pass_charge_desc', label: '卡密充值说明', type: 'textarea', default: '', rows: 2, dependsOn: { key: 'pay_balance_pass_charge_s', value: true }, help: '用户使用卡密充值时显示的内容，建议为提醒事项、充值协议等，支持HTML代码' },
+        { key: 'pay_balance_pass_charge_only_password', label: '单密码模式', type: 'switch', default: false, dependsOn: { key: 'pay_balance_pass_charge_s', value: true }, help: '仅需输入密码，不需要卡号' },
       ],
     },
     {
-      key: 'exchange',
+      key: 'charge-card',
+      title: '充值卡',
+      icon: 'fa fas fa-id-card',
+      fields: [
+        { key: 'card_pass_enabled', label: '启用充值卡', type: 'switch', default: false, help: '充值卡规则与批量发卡配置；卡密兑换入口由上方「卡密充值」控制' },
+        { key: 'card_pass_desc', label: '充值卡说明', type: 'textarea', default: '', dependsOn: { key: 'card_pass_enabled', value: true } },
+        {
+          key: 'card_pass_type',
+          label: '充值卡类型',
+          type: 'select',
+          default: 'balance',
+          dependsOn: { key: 'card_pass_enabled', value: true },
+          options: [
+            { label: '余额卡', value: 'balance' },
+            { label: 'VIP卡', value: 'vip' },
+            { label: '积分卡', value: 'credits' },
+          ],
+        },
+        { key: 'card_pass_prefix', label: '卡号前缀', type: 'input', default: 'AK', dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_length', label: '卡号长度', type: 'number', default: 16, min: 8, max: 32, dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_batch_size', label: '批量生成数量', type: 'number', default: 50, min: 1, max: 500, dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_max_redeem', label: '单卡最大兑换次数', type: 'number', default: 1, min: 1, max: 100, dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_expiry', label: '有效期(天)', type: 'number', default: 0, min: 0, help: '0为永久有效', dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_amount', label: '面额(元)', type: 'input', sanitize_type: 'money_decimal', default: '10.00', min: 1, max: 9999, dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_vip_days', label: 'VIP天数', type: 'number', default: 30, min: 1, max: 3650, dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_credits', label: '赠送积分', type: 'number', default: 0, min: 0, max: 99999, dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_redeem_page', label: '兑换页面', type: 'input', default: '', dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_success_msg', label: '兑换成功提示', type: 'input', default: '兑换成功！', dependsOn: { key: 'card_pass_enabled', value: true } },
+        { key: 'card_pass_fail_msg', label: '兑换失败提示', type: 'input', default: '卡号无效或已过期', dependsOn: { key: 'card_pass_enabled', value: true } },
+      ],
+    },
+    {
+      key: 'points-exchange',
       title: '余额兑换积分',
       icon: 'fa fas fa-database',
       fields: [
diff --git a/assets/admin/src/schema/sections/payment/revenue.js b/assets/admin/src/schema/sections/payment/revenue.js
index 2a7415c1..8cf092bd 100644
--- a/assets/admin/src/schema/sections/payment/revenue.js
+++ b/assets/admin/src/schema/sections/payment/revenue.js
@@ -1,6 +1,9 @@
+/**
+ * 创作分成 — 现金/积分分成比例 + 创作分成说明与详情页配置。
+ */
 export const revenueSchema = {
   key: 'payment.revenue',
-  title: '创作中心',
+  title: '创作分成',
   icon: 'fa fas fa-chart-line',
   description: '分别配置现金收益和积分收益的会员分成比例，结算周期结束后自动入账。',
   defaults: {
@@ -13,8 +16,25 @@ export const revenueSchema = {
     payment_revenue_points_ratio_user: 0,
     payment_revenue_points_ratio_vip_1: 0,
     payment_revenue_points_ratio_vip_2: 0,
+    pay_income_desc_details: '<p>在本站发布付费内容，获得的收益将参与收入分成</p><p>普通用户分成比例为：60%</p><p>一级会员分成比例为：70%</p><p>二级会员分成比例为：80%</p><p>分成比例的计算方式为：（实收现金-推广佣金）x 分成比例</p><p>申请提现后，需后台人工处理，一般2-3小时，请耐心等待</p>',
+    pay_income_desc_page_s: false,
+    pay_income_desc_page: 0,
   },
   groups: [
+    {
+      key: 'notice',
+      title: '说明',
+      icon: 'fa fas fa-info-circle',
+      fields: [
+        {
+          key: 'revenue_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<ul style="margin:0 0 0 18px;line-height:1.9"><li>开启创作分成后，用户发布的付费内容则按设置的比例收入与用户分成</li><li>在下方设置默认的分成比例，同时支持单独为每一个用户设置独立的分成比例</li><li>用户分成比例是按照订单实收现金并扣除推广佣金后，再按设置的比例分成</li><li>禁用此功能后，所有收款将不会与作者分成</li></ul>',
+        },
+      ],
+    },
     {
       key: 'basic',
       title: '创作中心设置',
@@ -30,7 +50,7 @@ export const revenueSchema = {
       title: '现金收益分成',
       icon: 'fa fas fa-credit-card',
       fields: [
-        { key: 'payment_revenue_cash_ratio_user', label: '普通用户分成比例(%)', type: 'number', default: 60, min: 0, max: 100, dependsOn: { key: 'pay_income_s', value: true } },
+        { key: 'payment_revenue_cash_ratio_user', label: '普通用户分成比例(%)', type: 'number', default: 60, min: 0, max: 100, dependsOn: { key: 'pay_income_s', value: true }, help: '为0则不参与分成' },
         { key: 'payment_revenue_cash_ratio_vip_1', label: '一级会员分成比例(%)', type: 'number', default: 70, min: 0, max: 100, dependsOn: { key: 'pay_income_s', value: true } },
         { key: 'payment_revenue_cash_ratio_vip_2', label: '二级会员分成比例(%)', type: 'number', default: 80, min: 0, max: 100, dependsOn: { key: 'pay_income_s', value: true } },
       ],
@@ -40,10 +60,20 @@ export const revenueSchema = {
       title: '积分收益分成',
       icon: 'fa fas fa-database',
       fields: [
-        { key: 'payment_revenue_points_ratio_user', label: '普通用户分成比例(%)', type: 'number', default: 0, min: 0, max: 100, dependsOn: { key: 'pay_income_s', value: true } },
+        { key: 'payment_revenue_points_ratio_user', label: '普通用户分成比例(%)', type: 'number', default: 0, min: 0, max: 100, dependsOn: { key: 'pay_income_s', value: true }, help: '为0则不参与分成（用户采用积分支付的订单给与作者的分成比例）' },
         { key: 'payment_revenue_points_ratio_vip_1', label: '一级会员分成比例(%)', type: 'number', default: 0, min: 0, max: 100, dependsOn: { key: 'pay_income_s', value: true } },
         { key: 'payment_revenue_points_ratio_vip_2', label: '二级会员分成比例(%)', type: 'number', default: 0, min: 0, max: 100, dependsOn: { key: 'pay_income_s', value: true } },
       ],
     },
+    {
+      key: 'detail',
+      title: '分成说明',
+      icon: 'fa fas fa-file-alt',
+      fields: [
+        { key: 'pay_income_desc_details', label: '创作分成说明', type: 'textarea', sanitize_type: 'html', default: '<p>在本站发布付费内容，获得的收益将参与收入分成</p><p>普通用户分成比例为：60%</p><p>一级会员分成比例为：70%</p><p>二级会员分成比例为：80%</p><p>分成比例的计算方式为：（实收现金-推广佣金）x 分成比例</p><p>申请提现后，需后台人工处理，一般2-3小时，请耐心等待</p>', rows: 8, dependsOn: { key: 'pay_income_s', value: true }, help: '显示在用户中心的说明，建议为发布协议或者其他说明（必填项，内容不易太少），支持HTML代码' },
+        { key: 'pay_income_desc_page_s', label: '创作分成详情页面', type: 'switch', default: false, dependsOn: { key: 'pay_income_s', value: true }, help: '您可以新建一个页面写入更加详细的创作分成说明及协议内容，再开启此项并选择对应的页面' },
+        { key: 'pay_income_desc_page', label: '选择页面', type: 'page_select', default: 0, dependsOn: { key: 'pay_income_desc_page_s', value: true } },
+      ],
+    },
   ],
 }
diff --git a/assets/admin/src/schema/sections/payment/vip.js b/assets/admin/src/schema/sections/payment/vip.js
index 167c1ac1..4ac2a4ef 100644
--- a/assets/admin/src/schema/sections/payment/vip.js
+++ b/assets/admin/src/schema/sections/payment/vip.js
@@ -1,8 +1,12 @@
+/**
+ * VIP会员 — 参考主题结构：会员等级、会员权益（普通/一级/二级 tab）、
+ * 会员购买选项（一级/二级/续费/升级 tab）、卡密兑换与积分兑换。
+ */
 export const vipSchema = {
   key: 'payment.vip',
   title: 'VIP会员',
   icon: 'fa fas fa-gem',
-  description: '对齐 legacy 双级会员：分档套餐、权益、续费/升级与积分兑换。',
+  description: '双级会员：等级名称、权益（下载次数与限速）、套餐、续费/升级与积分兑换。',
   defaults: {
     nav_pay_vip: true,
     nav_user_pay_vip: true,
@@ -10,27 +14,24 @@ export const vipSchema = {
     pay_user_vip_1_name: '一级会员',
     pay_user_vip_1_desc: '尊享一级会员特权',
     pay_user_vip_1_equity: '<li>免费下载部分资源</li><li>会员专属身份标识</li><li>付费内容会员价</li>',
-    vip_1_product_s: true,
-    payment_vip_1_products: '30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡',
     vip_1_img_icon: '',
     pay_user_vip_2_s: true,
     pay_user_vip_2_name: '二级会员',
     pay_user_vip_2_desc: '尊享二级会员特权',
     pay_user_vip_2_equity: '<li>更高免费下载额度</li><li>更高等级身份标识</li><li>更多付费内容会员价</li>',
-    vip_2_product_s: true,
-    payment_vip_2_products: '58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡',
     vip_2_img_icon: '',
     pay_user_vip_desc: '',
     pay_user_vip_more: '',
     pay_download_limit: 0,
+    pay_download_speed: 0,
     pay_download_limit_vip_1: 0,
+    pay_download_speed_vip_1: 0,
     pay_download_limit_vip_2: 0,
-    pay_vip_pass_charge_s: false,
-    pay_vip_pass_charge_desc: '',
-    pay_vip_pass_charge_only_password: true,
-    pay_vip_points_exchange_s: false,
-    pay_vip_points_exchange_desc: '',
-    payment_vip_points_packages: '1|500|30|积分月卡\n1|5000|0|积分永久',
+    pay_download_speed_vip_2: 0,
+    vip_1_product_s: true,
+    payment_vip_1_products: '30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡',
+    vip_2_product_s: true,
+    payment_vip_2_products: '58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡',
     vip_renew: true,
     vip_renew_desc: '',
     vip_renew_price_type: 'discount',
@@ -39,8 +40,28 @@ export const vipSchema = {
     vip_upgrade: true,
     vip_upgrade_desc: '',
     vip_upgrade_product: 'unit|1|按剩余天数升级\njump|199|升级永久二级会员\npermanent|299|永久一级升永久二级',
+    pay_vip_pass_charge_s: false,
+    pay_vip_pass_charge_desc: '',
+    pay_vip_pass_charge_only_password: true,
+    pay_vip_points_exchange_s: false,
+    payment_vip_points_packages: '1|500|30|积分月卡\n1|5000|0|积分永久',
+    pay_vip_points_exchange_desc: '',
   },
   groups: [
+    {
+      key: 'notice',
+      title: '说明',
+      icon: 'fa fas fa-info-circle',
+      fields: [
+        {
+          key: 'vip_notice',
+          label: '',
+          type: 'content',
+          ui_only: true,
+          content: '<ul style="margin:0 0 0 18px;line-height:1.9"><li>开启付费会员功能之前，请先配置好收款接口，确保网站收款正常</li><li>会员功能的设置项目较多，请仔细核对，避免出现价格、时间的问题</li><li>配合设置名称、有效期等可搭配出不同类型的会员</li><li>管理员可在后台为用户单独开启会员</li></ul>',
+        },
+      ],
+    },
     {
       key: 'basic',
       title: '会员等级',
@@ -49,12 +70,12 @@ export const vipSchema = {
         { key: 'nav_pay_vip', label: '导航栏购买按钮', type: 'switch', default: true, help: '在顶部导航栏显示开通会员按钮；请注意顶部导航的整体宽度。' },
         { key: 'nav_user_pay_vip', label: '用户框购买按钮', type: 'switch', default: true, help: '在导航栏用户框内显示开通会员按钮。' },
         { key: 'pay_user_vip_1_s', label: '启用一级会员', type: 'switch', default: true },
-        { key: 'pay_user_vip_1_name', label: '一级会员名称', type: 'input', default: '一级会员', dependsOn: { key: 'pay_user_vip_1_s', value: true } },
+        { key: 'pay_user_vip_1_name', label: '一级会员显示名称', type: 'input', default: '一级会员', dependsOn: { key: 'pay_user_vip_1_s', value: true } },
         { key: 'pay_user_vip_1_desc', label: '一级会员一句话简介', type: 'input', default: '尊享一级会员特权', dependsOn: { key: 'pay_user_vip_1_s', value: true } },
         { key: 'pay_user_vip_1_equity', label: '一级会员权益 HTML', type: 'textarea', default: '<li>免费下载部分资源</li><li>会员专属身份标识</li><li>付费内容会员价</li>', dependsOn: { key: 'pay_user_vip_1_s', value: true }, help: '建议使用 <li> 列表项' },
         { key: 'vip_1_img_icon', label: '一级会员图标 URL', type: 'input', default: '', dependsOn: { key: 'pay_user_vip_1_s', value: true }, help: '留空使用内置 vip-1.svg 图标' },
         { key: 'pay_user_vip_2_s', label: '启用二级会员', type: 'switch', default: true },
-        { key: 'pay_user_vip_2_name', label: '二级会员名称', type: 'input', default: '二级会员', dependsOn: { key: 'pay_user_vip_2_s', value: true } },
+        { key: 'pay_user_vip_2_name', label: '二级会员显示名称', type: 'input', default: '二级会员', dependsOn: { key: 'pay_user_vip_2_s', value: true } },
         { key: 'pay_user_vip_2_desc', label: '二级会员一句话简介', type: 'input', default: '尊享二级会员特权', dependsOn: { key: 'pay_user_vip_2_s', value: true } },
         { key: 'pay_user_vip_2_equity', label: '二级会员权益 HTML', type: 'textarea', default: '<li>更高免费下载额度</li><li>更高等级身份标识</li><li>更多付费内容会员价</li>', dependsOn: { key: 'pay_user_vip_2_s', value: true } },
         { key: 'vip_2_img_icon', label: '二级会员图标 URL', type: 'input', default: '', dependsOn: { key: 'pay_user_vip_2_s', value: true }, help: '留空使用内置 vip-2.svg 图标' },
@@ -63,32 +84,137 @@ export const vipSchema = {
       ],
     },
     {
-      key: 'packages',
-      title: '分档套餐',
-      icon: 'fa fas fa-gem',
+      key: 'benefit',
+      title: '会员权益',
+      icon: 'fa fas fa-gift',
       fields: [
-        { key: 'vip_1_product_s', label: '允许购买一级会员', type: 'switch', default: true, dependsOn: { key: 'pay_user_vip_1_s', value: true } },
         {
-          key: 'payment_vip_1_products',
-          label: '一级会员套餐',
-          type: 'textarea',
-          default: '30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡',
-          dependsOn: { key: 'vip_1_product_s', value: true },
-          help: '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久',
-        },
-        { key: 'vip_2_product_s', label: '允许购买二级会员', type: 'switch', default: true, dependsOn: { key: 'pay_user_vip_2_s', value: true } },
-        {
-          key: 'payment_vip_2_products',
-          label: '二级会员套餐',
-          type: 'textarea',
-          default: '58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡',
-          dependsOn: { key: 'vip_2_product_s', value: true },
-          help: '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久',
+          key: 'vip_benefit',
+          label: '会员权益',
+          type: 'tabbed',
+          tabs: [
+            {
+              key: 'ordinary',
+              title: '普通用户',
+              fields: [
+                { key: 'pay_download_limit', label: '付费资源：免费资源每日可下载(个)', type: 'number', default: 0, min: 0, max: 9999, help: '普通用户每日最多可下载几个免费资源(为0则不限制)' },
+                { key: 'pay_download_speed', label: '付费资源：下载限速(KB/s)', type: 'number', default: 0, min: 0, help: '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效' },
+              ],
+            },
+            {
+              key: 'vip1',
+              title: '一级会员',
+              fields: [
+                { key: 'pay_download_limit_vip_1', label: '付费资源：免费资源每日可下载(个)', type: 'number', default: 0, min: 0, max: 9999, dependsOn: { key: 'pay_user_vip_1_s', value: true }, help: '一级会员每日最多可下载几个免费资源(为0则不限制)' },
+                { key: 'pay_download_speed_vip_1', label: '付费资源：下载限速(KB/s)', type: 'number', default: 0, min: 0, dependsOn: { key: 'pay_user_vip_1_s', value: true }, help: '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效' },
+              ],
+            },
+            {
+              key: 'vip2',
+              title: '二级会员',
+              fields: [
+                { key: 'pay_download_limit_vip_2', label: '付费资源：免费资源每日可下载(个)', type: 'number', default: 0, min: 0, max: 9999, dependsOn: { key: 'pay_user_vip_2_s', value: true }, help: '二级会员每日最多可下载几个免费资源(为0则不限制)' },
+                { key: 'pay_download_speed_vip_2', label: '付费资源：下载限速(KB/s)', type: 'number', default: 0, min: 0, dependsOn: { key: 'pay_user_vip_2_s', value: true }, help: '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效' },
+              ],
+            },
+          ],
         },
       ],
     },
     {
-      key: 'points_exchange',
+      key: 'opt',
+      title: '会员购买选项',
+      icon: 'fa fas fa-shopping-cart',
+      fields: [
+        {
+          key: 'vip_opt',
+          label: '会员购买选项',
+          type: 'tabbed',
+          tabs: [
+            {
+              key: 'vip1',
+              title: '一级会员',
+              fields: [
+                { key: 'vip_1_product_s', label: '允许购买一级会员', type: 'switch', default: true, dependsOn: { key: 'pay_user_vip_1_s', value: true } },
+                {
+                  key: 'payment_vip_1_products',
+                  label: '一级会员套餐',
+                  type: 'textarea',
+                  default: '30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡',
+                  dependsOn: { key: 'vip_1_product_s', value: true },
+                  help: '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久',
+                },
+              ],
+            },
+            {
+              key: 'vip2',
+              title: '二级会员',
+              fields: [
+                { key: 'vip_2_product_s', label: '允许购买二级会员', type: 'switch', default: true, dependsOn: { key: 'pay_user_vip_2_s', value: true } },
+                {
+                  key: 'payment_vip_2_products',
+                  label: '二级会员套餐',
+                  type: 'textarea',
+                  default: '58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡',
+                  dependsOn: { key: 'vip_2_product_s', value: true },
+                  help: '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久',
+                },
+              ],
+            },
+            {
+              key: 'renew',
+              title: '会员续费',
+              fields: [
+                { key: 'vip_renew', label: '允许续费', type: 'switch', default: true, help: '关闭后则不能续费，只能会员到期之后再购买。永久会员不需要续费' },
+                { key: 'vip_renew_desc', label: '续费说明', type: 'textarea', default: '', dependsOn: { key: 'vip_renew', value: true } },
+                {
+                  key: 'vip_renew_price_type',
+                  label: '续费价格类型',
+                  type: 'radio',
+                  default: 'discount',
+                  dependsOn: { key: 'vip_renew', value: true },
+                  options: [
+                    { label: '相同价格', value: 'same' },
+                    { label: '折扣价格', value: 'discount' },
+                    { label: '优惠立减', value: 'reduce' },
+                  ],
+                },
+                { key: 'vip_renew_discount', label: '续费折扣(折，如 8=八折)', type: 'number', default: 8, min: 1, max: 100, dependsOn: { key: 'vip_renew_price_type', value: 'discount' } },
+                { key: 'vip_renew_reduce', label: '续费减免金额', type: 'input', sanitize_type: 'money_decimal', default: '20.00', min: 0, max: 9999, dependsOn: { key: 'vip_renew_price_type', value: 'reduce' } },
+              ],
+            },
+            {
+              key: 'upgrade',
+              title: '会员升级',
+              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: 'textarea',
+                  default: 'unit|1|按剩余天数升级\njump|199|升级永久二级会员\npermanent|299|永久一级升永久二级',
+                  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',
+                },
+              ],
+            },
+          ],
+        },
+      ],
+    },
+    {
+      key: 'pass-charge',
+      title: '卡密兑换会员',
+      icon: 'fa fas fa-ticket-alt',
+      fields: [
+        { key: 'pay_vip_pass_charge_s', label: '启用卡密兑换会员功能', type: 'switch', default: false },
+        { key: 'pay_vip_pass_charge_desc', label: '卡密兑换说明', type: 'textarea', default: '', dependsOn: { key: 'pay_vip_pass_charge_s', value: true }, help: '用户使用卡密兑换时显示的内容，建议为提醒事项、充值协议等，支持HTML代码' },
+        { key: 'pay_vip_pass_charge_only_password', label: '单密码模式', type: 'switch', default: true, dependsOn: { key: 'pay_vip_pass_charge_s', value: true }, help: '仅需输入密码，不需要卡号' },
+      ],
+    },
+    {
+      key: 'points-exchange',
       title: '积分兑换会员',
       icon: 'fa fas fa-database',
       fields: [
@@ -104,47 +230,5 @@ export const vipSchema = {
         { key: 'pay_vip_points_exchange_desc', label: '兑换说明', type: 'textarea', default: '', dependsOn: { key: 'pay_vip_points_exchange_s', value: true } },
       ],
     },
-    {
-      key: 'benefit',
-      title: '下载权益',
-      icon: 'fa fas fa-gift',
-      fields: [
-        { key: 'pay_download_limit', label: '普通用户下载限制', type: 'number', default: 0, min: 0, max: 9999, help: '0为不限制' },
-        { key: 'pay_download_limit_vip_1', label: '一级会员下载限制', type: 'number', default: 0, min: 0, max: 9999, dependsOn: { key: 'pay_user_vip_1_s', value: true } },
-        { key: 'pay_download_limit_vip_2', label: '二级会员下载限制', type: 'number', default: 0, min: 0, max: 9999, dependsOn: { key: 'pay_user_vip_2_s', value: true } },
-        { key: 'pay_vip_pass_charge_s', label: '会员卡密兑换', type: 'switch', default: false },
-        { key: 'pay_vip_pass_charge_desc', label: '卡密兑换说明', type: 'textarea', default: '', dependsOn: { key: 'pay_vip_pass_charge_s', value: true } },
-        { key: 'pay_vip_pass_charge_only_password', label: '仅密码兑换', type: 'switch', default: true, dependsOn: { key: 'pay_vip_pass_charge_s', value: true }, help: '开启后只需输入卡密；关闭则需卡号+卡密。' },
-      ],
-    },
-    {
-      key: 'renew',
-      title: '续费设置',
-      icon: 'fa fas fa-sync-alt',
-      fields: [
-        { key: 'vip_renew', label: '允许续费', type: 'switch', default: true },
-        { key: 'vip_renew_desc', label: '续费说明', type: 'textarea', default: '', dependsOn: { key: 'vip_renew', value: true } },
-        { key: 'vip_renew_price_type', label: '续费价格类型', type: 'radio', default: 'discount', options: [{ label: '相同价格', value: 'same' }, { label: '折扣价格', value: 'discount' }, { label: '优惠立减', value: 'reduce' }], dependsOn: { key: 'vip_renew', value: true } },
-        { key: 'vip_renew_discount', label: '续费折扣(折，如 8=八折)', type: 'number', default: 8, min: 1, max: 100, dependsOn: { key: 'vip_renew_price_type', value: 'discount' } },
-        { key: 'vip_renew_reduce', label: '续费减免金额', type: 'input', sanitize_type: 'money_decimal', default: '20.00', min: 0, max: 9999, dependsOn: { key: 'vip_renew_price_type', value: 'reduce' } },
-      ],
-    },
-    {
-      key: 'upgrade',
-      title: '升级设置',
-      icon: 'fa fas fa-arrow-up',
-      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: 'textarea',
-          default: 'unit|1|按剩余天数升级\njump|199|升级永久二级会员\npermanent|299|永久一级升永久二级',
-          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',
-        },
-      ],
-    },
   ],
 }
diff --git a/assets/admin/src/schema/sections/payment/withdrawal.js b/assets/admin/src/schema/sections/payment/withdrawal.js
index 07747b20..b5891db4 100644
--- a/assets/admin/src/schema/sections/payment/withdrawal.js
+++ b/assets/admin/src/schema/sections/payment/withdrawal.js
@@ -1,29 +1,55 @@
+/**
+ * 提现策略 — 提现门槛、每日限制、收款渠道与提现协议。
+ */
 export const withdrawalSchema = {
   key: 'payment.withdrawal',
   title: '提现策略',
   icon: 'fa fas fa-money-bill',
-  description: '配置提现门槛、手续费比例与每日限制。',
+  description: '配置提现门槛、手续费比例、每日限制、收款渠道与提现协议。',
   defaults: {
-	affiliate_min_withdrawal: '50.00',
+    affiliate_min_withdrawal: '50.00',
     affiliate_withdrawal_fee: 5,
     affiliate_daily_withdrawal_count: 3,
-	affiliate_daily_withdrawal_limit: '500.00',
+    affiliate_daily_withdrawal_limit: '500.00',
     affiliate_withdrawal_reset_time: '00:00',
     affiliate_payout_channels: ['alipay', 'wechat'],
+    pay_rebate_withdraw_text_details: '<div>可提现金额达到50元后即可发起提现</div><div>申请提现需后台人工处理，一般2-3小时，请耐心等待</div><div>如有其它疑问，请与客服联系</div>',
   },
   groups: [
     {
       key: 'basic',
-      title: '提现设置',
+      title: '提现门槛',
       icon: 'fa fas fa-sliders-h',
       fields: [
-		{ key: 'affiliate_min_withdrawal', label: '最低提现金额', type: 'input', sanitize_type: 'money_decimal', default: '50.00', help: '仅接受最多两位小数的十进制字符串。' },
+        { key: 'affiliate_min_withdrawal', label: '提现最低金额限制', type: 'input', sanitize_type: 'money_decimal', default: '50.00', help: '当用户可提现总金额(推广佣金、余额、创作分成)高于多少时候，才能发起提现' },
         { key: 'affiliate_withdrawal_fee', label: '提现手续费(%)', type: 'number', default: 5, min: 0, max: 100 },
+      ],
+    },
+    {
+      key: 'limits',
+      title: '每日限制',
+      icon: 'fa fas fa-clock',
+      fields: [
         { key: 'affiliate_daily_withdrawal_count', label: '每日可提现次数', type: 'number', default: 3, min: 0, max: 99999 },
-		{ key: 'affiliate_daily_withdrawal_limit', label: '每日提现上限', type: 'input', sanitize_type: 'money_decimal', default: '500.00', help: '仅接受最多两位小数的十进制字符串。' },
+        { key: 'affiliate_daily_withdrawal_limit', label: '每日提现上限', type: 'input', sanitize_type: 'money_decimal', default: '500.00' },
         { key: 'affiliate_withdrawal_reset_time', label: '重置时间', type: 'input', default: '00:00', help: '按站点 WordPress 时区重置，格式 HH:MM。' },
+      ],
+    },
+    {
+      key: 'channels',
+      title: '收款渠道',
+      icon: 'fa fas fa-qrcode',
+      fields: [
         { key: 'affiliate_payout_channels', label: '可用收款渠道', type: 'checkbox', default: ['alipay', 'wechat'], sanitize_type: 'array', options: [{ label: '支付宝收款码', value: 'alipay' }, { label: '微信收款码', value: 'wechat' }] },
       ],
     },
+    {
+      key: 'agreement',
+      title: '提现协议',
+      icon: 'fa fas fa-file-contract',
+      fields: [
+        { key: 'pay_rebate_withdraw_text_details', label: '提现协议', type: 'textarea', sanitize_type: 'html', default: '<div>可提现金额达到50元后即可发起提现</div><div>申请提现需后台人工处理，一般2-3小时，请耐心等待</div><div>如有其它疑问，请与客服联系</div>', rows: 4, help: '用户申请提现时展示的内容，建议为提现须知等，支持HTML代码' },
+      ],
+    },
   ],
 }
diff --git a/src/Admin/PageDisplayController.php b/src/Admin/PageDisplayController.php
index e189ab1f..207689cb 100644
--- a/src/Admin/PageDisplayController.php
+++ b/src/Admin/PageDisplayController.php
@@ -37,9 +37,9 @@ class PageDisplayController extends ControllerBase {
 		$query = sanitize_text_field((string) $request->get_param('query'));
 		$include = array_values(array_filter(array_map('absint', (array) $request->get_param('include'))));
 
-		if ($source === 'posts') {
+		if ($source === 'posts' || $source === 'pages') {
 			$posts = get_posts([
-				'post_type'      => 'post',
+				'post_type'      => $source === 'pages' ? 'page' : 'post',
 				'post_status'    => 'publish',
 				'posts_per_page' => 20,
 				's'              => $query,
diff --git a/src/Admin/PaymentController.php b/src/Admin/PaymentController.php
index 107f015a..5efc2813 100644
--- a/src/Admin/PaymentController.php
+++ b/src/Admin/PaymentController.php
@@ -19,49 +19,6 @@ class PaymentController extends ControllerBase {
     public function register_routes(): void {
         $this->register_section_routes('payment', 'payment');
 
-        register_rest_route(self::API_NAMESPACE, '/payment/overview', [
-            'methods'             => 'GET',
-            'callback'            => [$this, 'rest_payment_overview'],
-            'permission_callback' => [$this, 'check_permission'],
-        ]);
-
-        // Revenue stats (with optional time-series)
-        register_rest_route(self::API_NAMESPACE, '/payment/revenue', [
-            'methods'             => 'GET',
-            'callback'            => [$this, 'get_revenue'],
-            'permission_callback' => [$this, 'check_permission'],
-            'args' => [
-                'date_from'  => ['default' => '', 'sanitize_callback' => 'sanitize_text_field'],
-                'date_to'    => ['default' => '', 'sanitize_callback' => 'sanitize_text_field'],
-                'granularity' => ['default' => 'day', 'sanitize_callback' => 'sanitize_text_field'],
-                'time_series' => ['default' => false, 'sanitize_callback' => 'rest_sanitize_boolean'],
-            ],
-        ]);
-
-        register_rest_route(self::API_NAMESPACE, '/payment/creator-income', [
-            'methods'             => 'GET',
-            'callback'            => [$this, 'get_creator_income'],
-            'permission_callback' => [$this, 'check_permission'],
-			'args' => [
-				'page' => ['type' => 'integer', 'minimum' => 1, 'default' => 1],
-				'per_page' => ['type' => 'integer', 'minimum' => 1, 'maximum' => 100, 'default' => 20],
-				'status' => ['type' => 'string', 'enum' => ['', 'pending', 'settled']],
-				'user_id' => ['type' => 'integer', 'minimum' => 0, 'default' => 0],
-				'post_id' => ['type' => 'integer', 'minimum' => 0, 'default' => 0],
-				'currency' => ['type' => 'string', 'enum' => ['', 'CNY', 'cny', 'points']],
-				'order_status' => ['type' => 'string', 'sanitize_callback' => 'sanitize_key'],
-				'order_number' => ['type' => 'string', 'maxLength' => 64, 'sanitize_callback' => 'sanitize_text_field'],
-				'date_from' => ['type' => 'string', 'format' => 'date'],
-				'date_to' => ['type' => 'string', 'format' => 'date'],
-			],
-        ]);
-        register_rest_route(self::API_NAMESPACE, '/payment/creator-income/(?P<id>\d+)/settle', [
-            'methods'             => 'POST',
-            'callback'            => [$this, 'settle_creator_income'],
-            'permission_callback' => [$this, 'check_permission'],
-			'args' => ['id' => ['type' => 'integer', 'minimum' => 1, 'required' => true]],
-        ]);
-
         register_rest_route(self::API_NAMESPACE, '/payment/withdrawals', [
             'methods'             => 'GET',
             'callback'            => [$this, 'get_withdrawals'],
@@ -154,187 +111,6 @@ class PaymentController extends ControllerBase {
 
     }
 
-    public function rest_payment_overview(\WP_REST_Request $request): \WP_REST_Response {
-        if (!class_exists('\AKSRT\Settings\Settings')) {
-            return $this->error('设置模块未初始化', 500);
-        }
-
-        $paid      = \AKSRT\Settings\Settings::get_paid_content_settings();
-        $recharge  = \AKSRT\Settings\Settings::get_payment_recharge_settings();
-        $vip       = \AKSRT\Settings\Settings::get_payment_vip_settings();
-        $revenue   = \AKSRT\Settings\Settings::get_payment_revenue_settings();
-        $affiliate = \AKSRT\Settings\Settings::get_payment_affiliate_settings();
-        $gateway   = \AKSRT\Settings\Settings::get_payment_gateway_settings();
-
-        return $this->success([
-            'data' => [
-                'paid'         => $paid,
-                'recharge'     => $recharge,
-                'vip'          => $vip,
-                'revenue'      => $revenue,
-                'affiliate'    => $affiliate,
-                'gateway'      => $gateway,
-                'currency_name' => \AKSRT\Settings\Settings::get_currency_name(),
-            ],
-        ]);
-    }
-
-    /**
-     * GET /payment/revenue — revenue stats with optional time-series
-     */
-    public function get_revenue(\WP_REST_Request $request): \WP_REST_Response {
-        $revenue_stats = [
-			'cash'   => ['total' => '0.00', 'pending' => '0.00', 'settled' => '0.00', 'count' => 0],
-            'points' => ['total' => 0, 'pending' => 0, 'settled' => 0, 'count' => 0],
-        ];
-        if (class_exists('\AKSRT\Payment\Revenue')) {
-            $revenue_stats = \AKSRT\Payment\Revenue::get_instance()->get_stats();
-        }
-
-		$withdrawal_stats = ['total' => 0, 'pending' => 0, 'processing' => 0, 'completed' => 0, 'rejected' => 0, 'total_paid' => '0.00'];
-        if (class_exists('\AKSRT\Payment\Withdrawal')) {
-            $withdrawal_stats = \AKSRT\Payment\Withdrawal::get_instance()->get_stats();
-        }
-
-        $response = [
-            'revenue'    => $revenue_stats,
-            'withdrawal' => $withdrawal_stats,
-        ];
-
-        // Time-series data
-        if ($request->get_param('time_series')) {
-            $response['time_series'] = $this->get_revenue_time_series($request);
-        }
-
-        return $this->success(['data' => $response]);
-    }
-
-    /**
-     * Build revenue time-series data.
-     */
-    private function get_revenue_time_series(\WP_REST_Request $request): array {
-        global $wpdb;
-        $prefix = $wpdb->prefix;
-
-        $date_from  = sanitize_text_field((string) $request->get_param('date_from'));
-        $date_to    = sanitize_text_field((string) $request->get_param('date_to'));
-        $granularity = sanitize_text_field((string) $request->get_param('granularity'));
-
-        // Default: last 30 days in the WordPress site timezone.
-        $timezone = function_exists('wp_timezone') ? wp_timezone() : new \DateTimeZone('UTC');
-        $now = new \DateTimeImmutable('now', $timezone);
-        if (!$date_from) {
-            $date_from = $now->modify('-30 days')->format('Y-m-d');
-        }
-        if (!$date_to) {
-            $date_to = $now->format('Y-m-d');
-        }
-
-        // Granularity: day, week, month
-        $date_format = '%Y-%m-%d';
-        if ($granularity === 'week') {
-            $date_format = '%x-W%v';
-        } elseif ($granularity === 'month') {
-            $date_format = '%Y-%m';
-        }
-
-        $table = $prefix . 'aksrt_revenue';
-        $results = $wpdb->get_results($wpdb->prepare(
-            "SELECT currency, DATE_FORMAT(created_at, %s) AS period,
-                    SUM(amount) AS total_amount,
-                    COUNT(*) AS order_count
-             FROM {$table}
-             WHERE status IN ('pending', 'settled')
-               AND created_at >= %s AND created_at < DATE_ADD(%s, INTERVAL 1 DAY)
-             GROUP BY currency, period
-             ORDER BY period ASC",
-            $date_format,
-            $date_from,
-            $date_to
-        ));
-
-        $series = ['cash' => [], 'points' => []];
-        foreach ((array) $results as $row) {
-            $key = (string) ($row->currency ?? '') === 'points' ? 'points' : 'cash';
-			$amount = (string) ($row->total_amount ?? '0');
-			if ($key === 'points') {
-				$amount = preg_match('/^(0|[1-9]\d*)(?:\.0+)?$/', $amount, $matches) ? (int) $matches[1] : 0;
-			} else {
-				try {
-					$amount = \AKSRT\Ledger\AssetAmount::balance($amount)->decimal();
-				} catch (\InvalidArgumentException $e) {
-					$amount = '0.00';
-				}
-			}
-			$series[$key][] = [
-                'date'   => (string) $row->period,
-				'amount' => $amount,
-                'count'  => (int) $row->order_count,
-            ];
-        }
-
-        return $series;
-    }
-
-    /**
-     * GET /payment/creator-income — creator income operations list.
-     */
-    public function get_creator_income(\WP_REST_Request $request): \WP_REST_Response {
-        if (!class_exists('\AKSRT\Payment\Revenue')) {
-            return $this->error(__('创作分成模块未启用', 'aksrt'), 500);
-        }
-        $page = max(1, (int) $request->get_param('page'));
-        $per_page = max(1, min(100, (int) ($request->get_param('per_page') ?: 20)));
-        $result = \AKSRT\Payment\Revenue::get_instance()->get_list([
-            'limit' => $per_page,
-            'offset' => ($page - 1) * $per_page,
-            'status' => sanitize_key((string) $request->get_param('status')),
-            'user_id' => max(0, (int) $request->get_param('user_id')),
-            'post_id' => max(0, (int) $request->get_param('post_id')),
-            'currency' => sanitize_key((string) $request->get_param('currency')),
-            'order_status' => sanitize_key((string) $request->get_param('order_status')),
-            'order_number' => sanitize_text_field((string) $request->get_param('order_number')),
-            'date_from' => sanitize_text_field((string) $request->get_param('date_from')),
-            'date_to' => sanitize_text_field((string) $request->get_param('date_to')),
-        ]);
-        $result['page'] = $page;
-        $result['per_page'] = $per_page;
-        return $this->success(['data' => $result]);
-    }
-
-    /**
-     * POST /payment/creator-income/{id}/settle — settle one income record.
-     */
-    public function settle_creator_income(\WP_REST_Request $request): \WP_REST_Response {
-        if (!class_exists('\AKSRT\Payment\Revenue')) {
-            return $this->error(__('创作分成模块未启用', 'aksrt'), 500);
-        }
-        $id = (int) $request->get_param('id');
-		$operation_key = \AKSRT\Ledger\OperationKey::from_request($request, 'admin-revenue-settle', get_current_user_id());
-		if (is_wp_error($operation_key)) {
-			return $this->error($operation_key->get_error_message(), (int) ($operation_key->get_error_data()['status'] ?? 400));
-		}
-		$result = \AKSRT\Payment\Revenue::get_instance()->settle_result($id, get_current_user_id(), $operation_key);
-		if (is_wp_error($result)) {
-			$data = $result->get_error_data();
-			return $this->error($result->get_error_message(), is_array($data) ? (int) ($data['status'] ?? 400) : 400);
-		}
-		$entry = (array) ($result->entries[0] ?? []);
-		$asset = (string) ($entry['asset'] ?? \AKSRT\Ledger\AssetType::BALANCE->value);
-		$author_id = (int) ($entry['user_id'] ?? 0);
-		$balance_minor = $result->balance($author_id, $asset);
-		$balance = $asset === \AKSRT\Ledger\AssetType::BALANCE->value
-			? \AKSRT\Ledger\AssetAmount::decimal_from_minor($balance_minor)
-			: $balance_minor;
-		return $this->success([
-			'message' => __('创作分成已结算', 'aksrt'),
-			'transaction_id' => $result->transaction_id,
-			'replayed' => $result->replayed,
-			'asset' => $asset,
-			'balance' => $balance,
-		]);
-    }
-
     public function get_withdrawals(\WP_REST_Request $request): \WP_REST_Response {
         if (!class_exists('\AKSRT\Payment\Withdrawal')) {
             return $this->success(['data' => ['items' => [], 'total' => 0, 'page' => 1, 'total_pages' => 1, 'stats' => []]]);
diff --git a/src/Admin/Schema/SchemaPayment.php b/src/Admin/Schema/SchemaPayment.php
index 807afe92..63cbe9da 100644
--- a/src/Admin/Schema/SchemaPayment.php
+++ b/src/Admin/Schema/SchemaPayment.php
@@ -7,323 +7,567 @@ namespace AKSRT\Admin\Schema;
 
 defined('ABSPATH') || exit;
 
+/**
+ * 「支付&付费」设置 schema。
+ *
+ * 页面结构 1:1 复刻参考主题 Zibll 的「支付&付费」section（知识付费 / 余额充值 /
+ * VIP会员 / 创作分成 / 推广返佣 / 收款接口），并按产品需求新增「提现策略」子页。
+ * 收款接口仅保留支付宝、微信、PayPal、Stripe、易支付；订单前缀 / 流水号前缀 /
+ * 提现单号前缀配置保留并收口在收款接口页。
+ */
 class SchemaPayment {
 
-    public static function build(): array {
-        return [
-            'domain' => 'payment',
-            'title'  => '支付&付费',
-            'sections' => [
-                'recharge' => [
-                    'key'        => 'recharge',
-                    'title'      => '余额充值',
-                    'version'    => '1.0.0',
-                    'option_key' => 'aksrt_settings',
-                    'groups'     => [
-                        ['key' => 'basic', 'title' => '充值开关', 'fields' => [
-                            ['key' => 'pay_balance_s', 'label' => '启用余额功能', 'type' => 'switch', 'default' => true],
-                            ['key' => 'pay_balance_desc', 'label' => '充值说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
-                        ]],
-                        ['key' => 'packages', 'title' => '充值套餐', 'fields' => [
-                            ['key' => 'pay_balance_product', 'label' => '套餐列表', 'type' => 'textarea', 'default' => "30|30|入门包\n98|108|推荐包", 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
-                        ]],
-                        ['key' => 'product', 'title' => '充值产品', 'fields' => [
-                            ['key' => 'pay_balance_product_name', 'label' => '充值产品', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
-                            ['key' => 'pay_balance_price', 'label' => '充值价格', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 99999, 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
-                            ['key' => 'pay_balance_tag', 'label' => '价格标签', 'type' => 'input', 'default' => '元', 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
-                            ['key' => 'pay_balance_tag_class', 'label' => '标签样式', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
-                            ['key' => 'pay_balance_product_custom_s', 'label' => '自定义金额', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
-                            ['key' => 'pay_balance_product_custom_limit', 'label' => '自定义金额限制', 'type' => 'number', 'default' => 9999, 'min' => 1, 'max' => 99999, 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
-                        ]],
-                        ['key' => 'transfer', 'title' => '余额转账', 'fields' => [
-                            ['key' => 'pay_balance_transfer_s', 'label' => '启用余额转账', 'type' => 'switch', 'default' => false],
-                            ['key' => 'pay_balance_transfer_service_charge', 'label' => '转账手续费(%)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 50, 'dependsOn' => ['key' => 'pay_balance_transfer_s', 'value' => true]],
-                            ['key' => 'pay_balance_transfer_desc', 'label' => '转账说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_balance_transfer_s', 'value' => true]],
-                        ]],
-                        ['key' => 'pass-charge', 'title' => '充值卡免扣', 'fields' => [
-                            ['key' => 'pay_balance_pass_charge_s', 'label' => '启用余额卡密兑换', 'type' => 'switch', 'default' => false],
-                            ['key' => 'pay_balance_pass_charge_desc', 'label' => '卡密兑换说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_balance_pass_charge_s', 'value' => true]],
-                            ['key' => 'pay_balance_pass_charge_only_password', 'label' => '仅密码兑换', 'type' => 'switch', 'default' => false, 'dependsOn' => ['key' => 'pay_balance_pass_charge_s', 'value' => true]],
-                        ]],
-                        ['key' => 'points-exchange', 'title' => '余额兑换积分', 'fields' => [
-                            ['key' => 'pay_balance_points_exchange_s', 'label' => '启用余额兑换积分', 'type' => 'switch', 'default' => false, 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
-                            ['key' => 'pay_balance_points_exchange_rate', 'label' => '兑换比例', 'type' => 'number', 'default' => 100, 'min' => 1, 'max' => 10000, 'help' => '1 余额 = N 积分', 'dependsOn' => ['key' => 'pay_balance_points_exchange_s', 'value' => true]],
-                            ['key' => 'pay_balance_points_exchange_min_points', 'label' => '单笔最低购买积分', 'type' => 'number', 'default' => 100, 'min' => 1, 'max' => 10000000, 'dependsOn' => ['key' => 'pay_balance_points_exchange_s', 'value' => true]],
-                            ['key' => 'pay_balance_points_exchange_daily_max_points', 'label' => '每日最高购买积分', 'type' => 'number', 'default' => 100000, 'min' => 1, 'max' => 10000000, 'dependsOn' => ['key' => 'pay_balance_points_exchange_s', 'value' => true]],
-                            ['key' => 'pay_balance_points_exchange_desc', 'label' => '兑换说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_balance_points_exchange_s', 'value' => true]],
-                        ]],
-                    ],
-                ],
-                'vip' => [
-                    'key'        => 'vip',
-                    'title'      => 'VIP会员',
-                    'version'    => '1.1.0',
-                    'option_key' => 'aksrt_settings',
-                    'groups'     => [
-                        ['key' => 'basic', 'title' => '会员等级', 'fields' => [
-                            ['key' => 'nav_pay_vip', 'label' => '导航栏购买按钮', 'type' => 'switch', 'default' => true, 'help' => '在顶部导航栏显示开通会员按钮；请注意顶部导航的整体宽度。'],
-                            ['key' => 'nav_user_pay_vip', 'label' => '用户框购买按钮', 'type' => 'switch', 'default' => true, 'help' => '在导航栏用户框内显示开通会员按钮。'],
-                            ['key' => 'pay_user_vip_1_s', 'label' => '启用一级会员', 'type' => 'switch', 'default' => true],
-                            ['key' => 'pay_user_vip_1_name', 'label' => '一级会员名称', 'type' => 'input', 'default' => '一级会员', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
-                            ['key' => 'pay_user_vip_1_desc', 'label' => '一级会员一句话简介', 'type' => 'input', 'default' => '尊享一级会员特权', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
-                            ['key' => 'pay_user_vip_1_equity', 'label' => '一级会员权益 HTML', 'type' => 'textarea', 'default' => '<li>免费下载部分资源</li><li>会员专属身份标识</li><li>付费内容会员价</li>', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
-                            ['key' => 'vip_1_img_icon', 'label' => '一级会员图标 URL', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true], 'help' => '留空使用内置 vip-1.svg 图标'],
-                            ['key' => 'pay_user_vip_2_s', 'label' => '启用二级会员', 'type' => 'switch', 'default' => true],
-                            ['key' => 'pay_user_vip_2_name', 'label' => '二级会员名称', 'type' => 'input', 'default' => '二级会员', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
-                            ['key' => 'pay_user_vip_2_desc', 'label' => '二级会员一句话简介', 'type' => 'input', 'default' => '尊享二级会员特权', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
-                            ['key' => 'pay_user_vip_2_equity', 'label' => '二级会员权益 HTML', 'type' => 'textarea', 'default' => '<li>更高免费下载额度</li><li>更高等级身份标识</li><li>更多付费内容会员价</li>', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
-                            ['key' => 'vip_2_img_icon', 'label' => '二级会员图标 URL', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true], 'help' => '留空使用内置 vip-2.svg 图标'],
-                            ['key' => 'pay_user_vip_desc', 'label' => '弹窗顶部会员说明', 'type' => 'textarea', 'default' => ''],
-                            ['key' => 'pay_user_vip_more', 'label' => '弹窗底部补充说明 HTML', 'type' => 'textarea', 'default' => ''],
-                        ]],
-                        ['key' => 'packages', 'title' => '分档套餐', 'fields' => [
-                            ['key' => 'vip_1_product_s', 'label' => '允许购买一级会员', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
-                            ['key' => 'payment_vip_1_products', 'label' => '一级会员套餐', 'type' => 'textarea', 'default' => "30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡", 'dependsOn' => ['key' => 'vip_1_product_s', 'value' => true], 'help' => '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久'],
-                            ['key' => 'vip_2_product_s', 'label' => '允许购买二级会员', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
-                            ['key' => 'payment_vip_2_products', 'label' => '二级会员套餐', 'type' => 'textarea', 'default' => "58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡", 'dependsOn' => ['key' => 'vip_2_product_s', 'value' => true], 'help' => '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久'],
-                        ]],
-                        ['key' => 'points_exchange', 'title' => '积分兑换会员', 'fields' => [
-                            ['key' => 'pay_vip_points_exchange_s', 'label' => '启用积分兑换', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_vip_points_packages', 'label' => '兑换套餐', 'type' => 'textarea', 'default' => "1|500|30|积分月卡\n1|5000|0|积分永久", 'dependsOn' => ['key' => 'pay_vip_points_exchange_s', 'value' => true], 'help' => '每行：等级|积分|天数|标题（天数 0=永久；普通用户可开通，已有会员可续费同等级或升级更高等级）'],
-                            ['key' => 'pay_vip_points_exchange_desc', 'label' => '兑换说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_vip_points_exchange_s', 'value' => true]],
-                        ]],
-                        ['key' => 'benefit', 'title' => '下载权益', 'fields' => [
-                            ['key' => 'pay_download_limit', 'label' => '普通用户下载限制', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 9999],
-                            ['key' => 'pay_download_limit_vip_1', 'label' => '一级会员下载限制', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 9999, 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
-                            ['key' => 'pay_download_limit_vip_2', 'label' => '二级会员下载限制', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 9999, 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
-                            ['key' => 'pay_vip_pass_charge_s', 'label' => '会员卡密兑换', 'type' => 'switch', 'default' => false],
-                            ['key' => 'pay_vip_pass_charge_desc', 'label' => '卡密兑换说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_vip_pass_charge_s', 'value' => true]],
-                            ['key' => 'pay_vip_pass_charge_only_password', 'label' => '仅密码兑换', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_vip_pass_charge_s', 'value' => true]],
-                        ]],
-                        ['key' => 'renew', 'title' => '续费设置', 'fields' => [
-                            ['key' => 'vip_renew', 'label' => '允许续费', 'type' => 'switch', 'default' => true],
-                            ['key' => 'vip_renew_desc', 'label' => '续费说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'vip_renew', 'value' => true]],
-                            ['key' => 'vip_renew_price_type', 'label' => '续费价格类型', 'type' => 'radio', 'default' => 'discount', 'dependsOn' => ['key' => 'vip_renew', 'value' => true], 'options' => [
-                                ['label' => '相同价格', 'value' => 'same'],
-                                ['label' => '折扣价格', 'value' => 'discount'],
-                                ['label' => '优惠立减', 'value' => 'reduce'],
-                            ]],
-                            ['key' => 'vip_renew_discount', 'label' => '续费折扣(折，如 8=八折)', 'type' => 'number', 'default' => 8, 'min' => 1, 'max' => 100, 'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'discount']],
-                            ['key' => 'vip_renew_reduce', 'label' => '续费减免金额', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '20.00', 'min' => 0, 'max' => 9999, 'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'reduce']],
-                        ]],
-                        ['key' => 'upgrade', 'title' => '升级设置', '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' => 'textarea', 'default' => "unit|1|按剩余天数升级\njump|199|升级永久二级会员\npermanent|299|永久一级升永久二级", 'dependsOn' => ['key' => 'vip_upgrade', 'value' => true], 'help' => '每行一条。永久VIP1：permanent|价格|标题；剩余天：unit|每日单价|标题；跳转永久：jump|价格|标题'],
-                        ]],
-                    ],
-                ],
-                'revenue' => [
-                    'key'        => 'revenue',
-                    'title'      => '创作中心',
-                    'version'    => '2.0.0',
-                    'option_key' => 'aksrt_settings',
-                    'groups'     => [
-                        ['key' => 'basic', 'title' => '创作中心设置', 'fields' => [
-                            ['key' => 'pay_income_s', 'label' => '启用创作分成', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_revenue_cycle_days', 'label' => '结算周期(天)', 'type' => 'number', 'default' => 30, 'min' => 1, 'max' => 365, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
-                            ['key' => 'payment_revenue_note', 'label' => '结算备注文案', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<p>订单完成并经过结算周期后，作者分成会自动转入对应的钱包。</p>', 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
-                        ]],
-                        ['key' => 'cash', 'title' => '现金收益分成', 'fields' => [
-                            ['key' => 'payment_revenue_cash_ratio_user', 'label' => '普通用户分成比例(%)', 'type' => 'number', 'default' => 60, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
-                            ['key' => 'payment_revenue_cash_ratio_vip_1', 'label' => '一级会员分成比例(%)', 'type' => 'number', 'default' => 70, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
-                            ['key' => 'payment_revenue_cash_ratio_vip_2', 'label' => '二级会员分成比例(%)', 'type' => 'number', 'default' => 80, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
-                        ]],
-                        ['key' => 'points', 'title' => '积分收益分成', 'fields' => [
-                            ['key' => 'payment_revenue_points_ratio_user', 'label' => '普通用户分成比例(%)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
-                            ['key' => 'payment_revenue_points_ratio_vip_1', 'label' => '一级会员分成比例(%)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
-                            ['key' => 'payment_revenue_points_ratio_vip_2', 'label' => '二级会员分成比例(%)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
-                        ]],
-                    ],
-                ],
-                'affiliate' => [
-                    'key'        => 'affiliate',
-                    'title'      => '推广返佣',
-                    'version'    => '1.0.0',
-                    'option_key' => 'aksrt_settings',
-                    'groups'     => [
-                        ['key' => 'policy', 'title' => '返佣策略', 'fields' => [
-                            ['key' => 'affiliate_enabled', 'label' => '启用推广返佣', 'type' => 'switch', 'default' => false],
-                            ['key' => 'affiliate_ratio_user', 'label' => '普通会员佣金比例(%)', 'type' => 'number', 'default' => 5, 'min' => 0, 'max' => 100],
-                            ['key' => 'affiliate_ratio_vip_1', 'label' => '一级会员佣金比例(%)', 'type' => 'number', 'default' => 5, 'min' => 0, 'max' => 100],
-                            ['key' => 'affiliate_ratio_vip_2', 'label' => '二级会员佣金比例(%)', 'type' => 'number', 'default' => 5, 'min' => 0, 'max' => 100],
-                            ['key' => 'affiliate_order_types', 'label' => '适用订单类型', 'type' => 'checkbox', 'options' => [['value' => 'membership', 'label' => '会员订单'], ['value' => 'content', 'label' => '付费内容'], ['value' => 'credits', 'label' => '购买积分']], 'default' => ['membership', 'content']],
-                            ['key' => 'affiliate_settlement_days', 'label' => '结算观察期(天)', 'type' => 'number', 'default' => 7, 'min' => 0, 'max' => 90],
-                        ]],
-                        ['key' => 'text', 'title' => '文案设置', 'fields' => [
-                            ['key' => 'affiliate_promotion_text', 'label' => '推广说明', 'type' => 'textarea', 'default' => ''],
-                        ]],
-                    ],
-                ],
-                'gateway' => [
-                    'key'        => 'gateway',
-                    'title'      => '收款接口',
-                    'version'    => '1.2.0',
-                    'option_key' => 'aksrt_settings',
-                    'groups'     => [
-                        ['key' => 'notice', 'title' => '说明', 'fields' => [
-                            ['key' => 'payment_gateway_notice', 'label' => '通道说明', 'type' => 'notice', 'alertType' => 'info', 'alertContent' => '以渠道开关 + 凭据是否齐全为准。异步回调由各网关验签（支付宝/微信/Stripe/易支付等），无需额外口令。卡密为兑换入口，不出现在收银台支付方式列表。'],
-                        ]],
-                        ['key' => 'gateways', 'title' => '支付渠道开关', 'fields' => [
-                            ['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_alipay_enabled', 'label' => '支付宝', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_wechat_enabled', 'label' => '微信支付', '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_epay_enabled', 'label' => '易支付', 'type' => 'switch', 'default' => false, 'help' => '兼容彩虹易支付协议的聚合收银台，可同时开启支付宝/微信子通道。'],
-                            ['key' => 'payment_card_pass_enabled', 'label' => '卡密充值', 'type' => 'switch', 'default' => false, 'help' => '仅控制卡密兑换入口是否开放；卡密规则与批量发卡在「充值卡」页。不进入结账支付方式列表。'],
-                        ]],
-                        // Channel credential groups: SPA uses collapsible + expandWhen + group dependsOn.
-                        // Field-level dependsOn kept for contract audit / non-SPA consumers.
-                        ['key' => 'wechat', 'title' => '微信支付配置', 'collapsible' => true, 'expandWhen' => 'payment_wechat_enabled', 'dependsOn' => ['key' => 'payment_wechat_enabled', 'value' => true], 'fields' => [
-                            ['key' => 'wechat_merchantid', 'label' => '商户号', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_wechat_enabled', 'value' => true]],
-                            ['key' => 'wechat_appid', 'label' => 'AppID', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_wechat_enabled', 'value' => true]],
-                            ['key' => 'wechat_payment_type', 'label' => '支付方式', 'type' => 'select', 'default' => 'native', 'options' => [
-                                ['value' => 'native', 'label' => '扫码支付（Native）'],
-                                ['value' => 'h5', 'label' => 'H5支付'],
-                            ], 'dependsOn' => ['key' => 'payment_wechat_enabled', 'value' => true]],
-                            ['key' => 'wechat_api_v3_key', 'label' => 'APIv3密钥', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_wechat_enabled', 'value' => true]],
-                            ['key' => 'wechat_private_key_path', 'label' => '商户私钥路径', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_wechat_enabled', 'value' => true]],
-                            ['key' => 'wechat_cert_path', 'label' => '商户API证书路径', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_wechat_enabled', 'value' => true]],
-                        ]],
-                        ['key' => 'alipay', 'title' => '支付宝配置', 'collapsible' => true, 'expandWhen' => 'payment_alipay_enabled', 'dependsOn' => ['key' => 'payment_alipay_enabled', 'value' => true], 'fields' => [
-                            ['key' => 'alipay_appid', 'label' => 'AppID', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_alipay_enabled', 'value' => true]],
-                            ['key' => 'alipay_privatekey', 'label' => '应用私钥', 'type' => 'textarea', 'sanitize_type' => 'code', 'default' => '', 'dependsOn' => ['key' => 'payment_alipay_enabled', 'value' => true]],
-                            ['key' => 'alipay_payment_type', 'label' => '支付方式', 'type' => 'select', 'default' => 'page', 'options' => [
-                                ['value' => 'page', 'label' => '电脑网站支付（web）'],
-                                ['value' => 'wap', 'label' => '手机网站支付（wap）'],
-                            ], 'dependsOn' => ['key' => 'payment_alipay_enabled', 'value' => true]],
-                            ['key' => 'alipay_app_public_cert_path', 'label' => '应用公钥证书路径', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_alipay_enabled', 'value' => true]],
-                            ['key' => 'alipay_public_cert_path', 'label' => '支付宝公钥证书路径', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_alipay_enabled', 'value' => true]],
-                            ['key' => 'alipay_root_cert_path', 'label' => '支付宝根证书路径', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_alipay_enabled', 'value' => true]],
-                            ['key' => 'alipay_notify_help', 'label' => '回调地址说明', 'type' => 'notice', 'alertType' => 'info', 'alertContent' => '异步通知 / 同步返回已固定为 /wp-json/aksrt/v1/payment/alipay/{notify|return}，无需在此填写。', 'dependsOn' => ['key' => 'payment_alipay_enabled', 'value' => true]],
-                        ]],
-                        ['key' => 'paypal', 'title' => 'PayPal配置', 'collapsible' => true, 'expandWhen' => 'payment_paypal_enabled', 'dependsOn' => ['key' => 'payment_paypal_enabled', 'value' => true], 'fields' => [
-                            ['key' => 'paypal_client_id', 'label' => 'Client ID', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_paypal_enabled', 'value' => true]],
-                            ['key' => 'paypal_client_secret', 'label' => 'Client Secret', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_paypal_enabled', 'value' => true]],
-                            ['key' => 'paypal_currency', 'label' => '货币', 'type' => 'input', 'default' => 'USD', 'dependsOn' => ['key' => 'payment_paypal_enabled', 'value' => true]],
-                            ['key' => 'paypal_sandbox', 'label' => '沙箱模式', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'payment_paypal_enabled', 'value' => true]],
-                        ]],
-                        ['key' => 'stripe', 'title' => 'Stripe配置', 'collapsible' => true, 'expandWhen' => 'payment_stripe_enabled', 'dependsOn' => ['key' => 'payment_stripe_enabled', 'value' => true], 'fields' => [
-                            ['key' => 'stripe_secret_key', 'label' => 'Secret Key', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_stripe_enabled', 'value' => true]],
-                            ['key' => 'stripe_publishable_key', 'label' => 'Publishable Key', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_stripe_enabled', 'value' => true]],
-                            ['key' => 'stripe_webhook_secret', 'label' => 'Webhook Secret', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_stripe_enabled', 'value' => true]],
-                            ['key' => 'stripe_currency', 'label' => '货币', 'type' => 'input', 'default' => 'usd', 'dependsOn' => ['key' => 'payment_stripe_enabled', 'value' => true]],
-                            ['key' => 'stripe_test_mode', 'label' => '测试模式', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'payment_stripe_enabled', 'value' => true]],
-                        ]],
-                        ['key' => 'epay', 'title' => '易支付配置', 'collapsible' => true, 'expandWhen' => 'payment_epay_enabled', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true], 'fields' => [
-                            ['key' => 'epay_apiurl', 'label' => '接口地址', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true], 'help' => '易支付站点根地址，如 https://pay.example.com/（末尾斜杠可选）。'],
-                            ['key' => 'epay_pid', 'label' => '商户ID', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
-                            ['key' => 'epay_key', 'label' => '商户密钥', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true], 'help' => 'MD5 通信密钥。'],
-                            ['key' => 'epay_channel_alipay', 'label' => '启用支付宝通道', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
-                            ['key' => 'epay_channel_wxpay', 'label' => '启用微信通道', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
-                            ['key' => 'epay_device', 'label' => '下单终端', 'type' => 'select', 'default' => 'auto', 'options' => [
-                                ['value' => 'auto', 'label' => '自动（按 UA）'],
-                                ['value' => 'pc', 'label' => '电脑端 submit'],
-                                ['value' => 'mobile', 'label' => '移动端 mapi'],
-                            ], 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
-                            ['key' => 'epay_notify_help', 'label' => '回调地址说明', 'type' => 'notice', 'alertType' => 'info', 'alertContent' => '异步/同步回调固定为 /wp-json/aksrt/v1/payment/epay_alipay/{notify|return} 与 /payment/epay_wxpay/{notify|return}，请在易支付后台放行对应 URL。', 'dependsOn' => ['key' => 'payment_epay_enabled', 'value' => true]],
-                        ]],
-                    ],
-                ],
-                'order' => [
-                    'key'        => 'order',
-                    'title'      => '订单设置',
-                    'version'    => '1.0.0',
-                    'option_key' => 'aksrt_settings',
-                    'groups'     => [
-                        ['key' => 'basic', 'title' => '订单基础', 'fields' => [
-                            ['key' => 'payment_order_prefix', 'label' => '订单前缀', 'type' => 'input', 'default' => 'AKSRT'],
-                            ['key' => 'payment_flow_prefix', 'label' => '流水号前缀', 'type' => 'input', 'sanitize_type' => 'business_prefix', 'default' => 'AK', 'maxlength' => 12, 'help' => '仅允许字母、数字、下划线和短横线，最多 12 位。'],
-                            ['key' => 'payment_withdrawal_prefix', 'label' => '提现单号前缀', 'type' => 'input', 'sanitize_type' => 'business_prefix', 'default' => 'TX', 'maxlength' => 12, 'help' => '仅允许字母、数字、下划线和短横线，最多 12 位。'],
-                            ['key' => 'payment_order_expiry', 'label' => '订单有效期(分钟)', 'type' => 'number', 'default' => 30, 'min' => 5, 'max' => 1440],
-                            ['key' => 'pay_show_user', 'label' => '显示用户信息', 'type' => 'switch', 'default' => true],
-                            ['key' => 'pay_show_paycount', 'label' => '显示购买次数', 'type' => 'switch', 'default' => true],
-                            ['key' => 'pay_no_logged_in', 'label' => '未登录提示', 'type' => 'switch', 'default' => true],
-                            ['key' => 'pay_cookie_day', 'label' => 'Cookie有效期(天)', 'type' => 'number', 'default' => 15, 'min' => 1, 'max' => 31],
-                            ['key' => 'pay_no_logged_remind', 'label' => '未登录提醒文案', 'type' => 'textarea', 'default' => '您当前未登录！建议登陆后购买，可保存购买订单'],
-                            ['key' => 'pay_wait_float_s', 'label' => '订单等待浮动', 'type' => 'switch', 'default' => true],
-                            ['key' => 'payment_order_max_minutes', 'label' => '订单最大支付时间(分钟)', 'type' => 'number', 'default' => 30, 'min' => 5, 'max' => 1440],
-                        ]],
-                        ['key' => 'display', 'title' => '展示设置', 'fields' => [
-                            ['key' => 'pay_mark', 'label' => '付费标记', 'type' => 'input', 'default' => '付费'],
-                            ['key' => 'pay_box_position', 'label' => '付费框位置', 'type' => 'radio', 'default' => 'top', 'options' => [
-                                ['label' => '文章框顶部', 'value' => 'box_top'],
-                                ['label' => '正文顶部', 'value' => 'top'],
-                                ['label' => '正文底部', 'value' => 'bottom'],
-                                ['label' => '文章框底部', 'value' => 'box_bottom'],
-                            ]],
-                            ['key' => 'payment_show_ip', 'label' => '显示用户IP', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_show_device', 'label' => '显示设备信息', 'type' => 'switch', 'default' => false],
-                            ['key' => 'payment_show_order_no', 'label' => '显示订单号', 'type' => 'switch', 'default' => true],
-                            ['key' => 'payment_show_create_time', 'label' => '显示创建时间', 'type' => 'switch', 'default' => true],
-                            ['key' => 'payment_show_pay_time', 'label' => '显示支付时间', 'type' => 'switch', 'default' => true],
-                        ]],
-                        ['key' => 'status', 'title' => '状态设置', 'fields' => [
-                            ['key' => 'payment_order_status_pending', 'label' => '待支付状态文案', 'type' => 'input', 'default' => '待支付'],
-                            ['key' => 'payment_order_status_paid', 'label' => '已支付状态文案', 'type' => 'input', 'default' => '已支付'],
-                            ['key' => 'payment_order_status_refunding', 'label' => '退款中状态文案', 'type' => 'input', 'default' => '退款中'],
-                            ['key' => 'payment_order_status_refunded', 'label' => '已退款状态文案', 'type' => 'input', 'default' => '已退款'],
-                            ['key' => 'payment_order_status_closed', 'label' => '已关闭状态文案', 'type' => 'input', 'default' => '已关闭'],
-                        ]],
-                        ['key' => 'service', 'title' => '服务设置', 'fields' => [
-                            ['key' => 'pay_service', 'label' => '客服设置', 'type' => 'textarea', 'default' => ''],
-                            ['key' => 'pay_service_icon', 'label' => '客服图标', 'type' => 'icon', 'default' => ''],
-                            ['key' => 'pay_service_value', 'label' => '客服内容', 'type' => 'input', 'default' => ''],
-                            ['key' => 'pay_service_qq', 'label' => 'QQ客服', 'type' => 'input', 'default' => ''],
-                            ['key' => 'pay_service_wechat', 'label' => '微信客服', 'type' => 'media', 'default' => ''],
-                        ]],
-                    ],
-                ],
-                'card-pass' => [
-                    'key'        => 'card-pass',
-                    'title'      => '充值卡',
-                    'version'    => '1.0.0',
-                    'option_key' => 'aksrt_settings',
-                    'groups'     => [
-                        ['key' => 'card-pass', 'title' => '充值卡', 'fields' => [
-                            ['key' => 'card_pass_enabled', 'label' => '启用充值卡', 'type' => 'switch', 'default' => false],
-                            ['key' => 'card_pass_desc', 'label' => '充值卡说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                            ['key' => 'card_pass_type', 'label' => '充值卡类型', 'type' => 'select', 'default' => 'balance', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true], 'options' => [
-                                ['label' => '余额卡', 'value' => 'balance'],
-                                ['label' => 'VIP卡', 'value' => 'vip'],
-                                ['label' => '积分卡', 'value' => 'credits'],
-                            ]],
-                            ['key' => 'card_pass_prefix', 'label' => '卡号前缀', 'type' => 'input', 'default' => 'AK', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                            ['key' => 'card_pass_length', 'label' => '卡号长度', 'type' => 'number', 'default' => 16, 'min' => 8, 'max' => 32, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                            ['key' => 'card_pass_batch_size', 'label' => '批量生成数量', 'type' => 'number', 'default' => 50, 'min' => 1, 'max' => 500, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                        ]],
-                        ['key' => 'redeem', 'title' => '兑换设置', 'fields' => [
-                            ['key' => 'card_pass_max_redeem', 'label' => '单卡最大兑换次数', 'type' => 'number', 'default' => 1, 'min' => 1, 'max' => 100, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                            ['key' => 'card_pass_expiry', 'label' => '有效期(天)', 'type' => 'number', 'default' => 0, 'min' => 0, 'help' => '0为永久有效', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+	public static function build(): array {
+		return [
+			'domain' => 'payment',
+			'title'  => '支付&付费',
+			'sections' => [
+
+				/* ------------------------------------------------------------------
+				 * 知识付费
+				 * ------------------------------------------------------------------ */
+				'knowledge' => [
+					'key'        => 'knowledge',
+					'title'      => '知识付费',
+					'version'    => '1.0.0',
+					'option_key' => 'aksrt_settings',
+					'groups'     => [
+						['key' => 'notice', 'title' => '说明', 'fields' => [
+							['key' => 'knowledge_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<p><b>知识付费</b></p><ul style="margin:6px 0 0 18px;line-height:1.9"><li>知识付费功能主要分为文章付费、付费会员、余额系统、推广返佣、创作分成等功能组成，您可以根据您的需要开启对应功能</li><li>使用支付功能请先在「收款接口」页配置好收款通道</li></ul>'],
+						]],
+						['key' => 'guest-buy', 'title' => '免登陆购买', 'fields' => [
+							['key' => 'pay_no_logged_in', 'label' => '免登陆购买', 'type' => 'switch', 'default' => true, 'help' => '开启后如果用户未登录则使用浏览器缓存验证是否购买'],
+							['key' => 'pay_cookie_day', 'label' => 'Cookie时间(天)', 'type' => 'number', 'default' => 15, 'min' => 1, 'max' => 31, 'dependsOn' => ['key' => 'pay_no_logged_in', 'value' => true], 'help' => '免登陆购买的浏览器缓存有效时间'],
+							['key' => 'pay_no_logged_remind', 'label' => '未登录提醒', 'type' => 'textarea', 'default' => '您当前未登录！建议登陆后购买，可保存购买订单', 'rows' => 2, 'dependsOn' => ['key' => 'pay_no_logged_in', 'value' => true]],
+						]],
+						['key' => 'box-position', 'title' => '模块显示位置', 'fields' => [
+							['key' => 'pay_box_position', 'label' => '购买模块位置', 'type' => 'radio', 'default' => 'top', 'options' => [
+								['label' => '文章模块上方', 'value' => 'box_top'],
+								['label' => '文章内容顶部', 'value' => 'top'],
+								['label' => '文章内容底部', 'value' => 'bottom'],
+								['label' => '文章模块下方', 'value' => 'box_bottom'],
+							], 'help' => '在文章页面中购买模块的显示位置'],
+						]],
+						['key' => 'display-basic', 'title' => '基础显示', 'fields' => [
+							['key' => 'pay_free_logged_show', 'label' => '免费资源登录可见', 'type' => 'switch', 'default' => true, 'help' => '免费资源必须登录后才能查看'],
+							['key' => 'pay_show_user', 'label' => '订单数据', 'type' => 'switch', 'default' => true, 'help' => '在用户中心显示订单数据'],
+							['key' => 'pay_show_paycount', 'label' => '销量显示', 'type' => 'switch', 'default' => true, 'help' => '商品详情显示销售数量'],
+						]],
+						['key' => 'coupon', 'title' => '商品优惠码', 'fields' => [
+							['key' => 'coupon_post_s', 'label' => '为所有商品启用优惠券功能', 'type' => 'switch', 'default' => false, 'help' => '开启后将为所有商品显示输入优惠码的功能；也可以单独给任意一个商品开启'],
+							['key' => 'coupon_desc', 'label' => '优惠码默认说明', 'type' => 'textarea', 'default' => '', 'rows' => 1, 'dependsOn' => ['key' => 'coupon_post_s', 'value' => true], 'help' => '用户填写优惠码时展示的提醒内容，支持HTML代码'],
+						]],
+						['key' => 'display', 'title' => '展示设置', 'fields' => [
+							['key' => 'pay_mark', 'label' => '付费标记', 'type' => 'input', 'default' => '付费'],
+							['key' => 'payment_show_ip', 'label' => '显示用户IP', 'type' => 'switch', 'default' => false],
+							['key' => 'payment_show_device', 'label' => '显示设备信息', 'type' => 'switch', 'default' => false],
+							['key' => 'payment_show_order_no', 'label' => '显示订单号', 'type' => 'switch', 'default' => true],
+							['key' => 'payment_show_create_time', 'label' => '显示创建时间', 'type' => 'switch', 'default' => true],
+							['key' => 'payment_show_pay_time', 'label' => '显示支付时间', 'type' => 'switch', 'default' => true],
+						]],
+						['key' => 'status', 'title' => '状态设置', 'fields' => [
+							['key' => 'payment_order_status_pending', 'label' => '待支付状态文案', 'type' => 'input', 'default' => '待支付'],
+							['key' => 'payment_order_status_paid', 'label' => '已支付状态文案', 'type' => 'input', 'default' => '已支付'],
+							['key' => 'payment_order_status_refunding', 'label' => '退款中状态文案', 'type' => 'input', 'default' => '退款中'],
+							['key' => 'payment_order_status_refunded', 'label' => '已退款状态文案', 'type' => 'input', 'default' => '已退款'],
+							['key' => 'payment_order_status_closed', 'label' => '已关闭状态文案', 'type' => 'input', 'default' => '已关闭'],
+						]],
+						['key' => 'service', 'title' => '客户服务', 'fields' => [
+							['key' => 'pay_service', 'label' => '用户服务内容', 'type' => 'group', 'button_title' => '添加服务项', 'default' => [], 'fields' => [
+								['key' => 'value', 'label' => '服务内容', 'type' => 'input', 'default' => ''],
+								['key' => 'icon', 'label' => '自定义图标', 'type' => 'icon', 'default' => ''],
+							]],
+						]],
+						['key' => 'feature', 'title' => '商品功能配置', 'fields' => [
+							['key' => 'pay_type_option', 'label' => '商品功能配置', 'type' => 'tabbed', 'tabs' => [
+								['key' => 'download', 'title' => '付费下载', 'fields' => [
+									['key' => 'down_alone_page', 'label' => '独立下载页面', 'type' => 'switch', 'default' => false, 'help' => '开启后，付费资源的下载链接会跳转独立页面显示'],
+									['key' => 'down_user_log', 'label' => '保存用户下载记录(条)', 'type' => 'number', 'default' => 50, 'min' => 0, 'help' => '填0则不保存，注意记录量太大可能会影响网站性能'],
+									['key' => 'down_post_log', 'label' => '保存文章下载记录(条)', 'type' => 'number', 'default' => 50, 'min' => 0, 'help' => '填0则不保存，注意记录量太大可能会影响网站性能'],
+									['key' => 'down_remote_to_local_s', 'label' => '远程文件转本地文件下载', 'type' => 'switch', 'default' => true, 'help' => '当下载地址为外链文件时，先将远程文件下载到本地服务器，再提供给用户下载，可完全隐藏远程下载地址'],
+									['key' => 'down_remote_to_local_size', 'label' => '文件大小限制(Kb)', 'type' => 'number', 'default' => 2048, 'min' => 0],
+									['key' => 'down_remote_to_local_ext', 'label' => '文件格式限制', 'type' => 'input', 'default' => 'zip,rar,7z,text,png,jpg,jpeg,gif,mp3,mp4,avi,wmv,flv,swf,doc,docx,xls,xlsx,ppt,pptx,pdf', 'help' => '限制使用此功能的文件格式，多个用英文逗号隔开'],
+									['key' => 'down_verify_nonce', 'label' => '下载前检测用户环境', 'type' => 'switch', 'default' => true, 'help' => '防止机器批量扫描下载，有效防止跨站攻击'],
+								]],
+							]],
+						]],
+						['key' => 'presets', 'title' => '商品预置参数配置', 'fields' => [
+							['key' => 'presets_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '在下方配置的参数新建文章时候会自动填入，方便新建文章的设置。最终以文章配置为准'],
+							['key' => 'pay_modo_default', 'label' => '支付类型', 'type' => 'radio', 'default' => '0', 'options' => [
+								['label' => '普通商品（金钱购买）', 'value' => '0'],
+								['label' => '积分商品（积分购买，依赖于用户积分功能）', 'value' => 'points'],
+							]],
+							['key' => 'points_price_default', 'label' => '积分售价(积分)', 'type' => 'number', 'default' => 0, 'min' => 0],
+							['key' => 'vip_1_points_default', 'label' => '一级会员积分售价(积分)', 'type' => 'number', 'default' => 0, 'min' => 0],
+							['key' => 'vip_2_points_default', 'label' => '二级会员积分售价(积分)', 'type' => 'number', 'default' => 0, 'min' => 0],
+							['key' => 'pay_price_default', 'label' => '执行价', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '0.01', 'suffix' => '元'],
+							['key' => 'pay_original_price_default', 'label' => '原价', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '', 'suffix' => '元', 'help' => '显示在执行价格前面，并划掉'],
+							['key' => 'pay_promotion_tag_default', 'label' => '促销标签', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<i class="fa fa-fw fa-bolt"></i> 限时特惠', 'rows' => 1],
+							['key' => 'vip_1_price_default', 'label' => '一级会员价格', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '0', 'suffix' => '元', 'help' => '填0则为一级会员免费'],
+							['key' => 'vip_2_price_default', 'label' => '二级会员价格', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '0', 'suffix' => '元', 'help' => '填0则为二级会员免费'],
+							['key' => 'pay_rebate_discount', 'label' => '推广折扣', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '0', 'suffix' => '元', 'help' => '通过推广链接购买，额外优惠的金额；需开启推广返佣功能，且不能超过实际购买价'],
+							['key' => 'pay_cuont_default', 'label' => '销量浮动', 'type' => 'between_number', 'default' => ['min' => 0, 'max' => 0], 'help' => '为真实销量增加或减少的数量，系统会根据此处设置的区间获取随机值作为预置参数'],
+							['key' => 'pay_details_default', 'label' => '更多详情', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '', 'rows' => 3, 'help' => '可插入任意的HTML代码'],
+							['key' => 'pay_extra_hide_default', 'label' => '额外隐藏内容', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '', 'rows' => 3, 'help' => '可插入任意的HTML代码'],
+							['key' => 'pay_attributes_default', 'label' => '资源属性', 'type' => 'group', 'button_title' => '添加属性', 'default' => [], 'fields' => [
+								['key' => 'key', 'label' => '属性名称', 'type' => 'input', 'default' => ''],
+								['key' => 'value', 'label' => '属性内容', 'type' => 'input', 'default' => ''],
+							]],
+							['key' => 'pay_gallery_show_default', 'label' => '付费图片免费查看数量(张)', 'type' => 'number', 'default' => 1, 'min' => 0, 'help' => '设置付费图片可免费查看前几张图片的数量的默认值'],
+						]],
+					],
+				],
+
+				/* ------------------------------------------------------------------
+				 * 余额充值
+				 * ------------------------------------------------------------------ */
+				'recharge' => [
+					'key'        => 'recharge',
+					'title'      => '余额充值',
+					'version'    => '1.1.0',
+					'option_key' => 'aksrt_settings',
+					'groups'     => [
+						['key' => 'notice', 'title' => '说明', 'fields' => [
+							['key' => 'recharge_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<p><b>用户余额功能：</b></p><ul style="margin:6px 0 0 18px;line-height:1.9"><li>开启后用户可充值到余额，余额可用于全站消费</li><li>在下方设置默认的分成比例，同时支持单独为每一个用户设置独立的分成比例</li><li>可以在用户管理中，为某一个用户手动赠送余额</li></ul>'],
+						]],
+						['key' => 'basic', 'title' => '用户余额', 'fields' => [
+							['key' => 'pay_balance_s', 'label' => '启用余额充值/支付功能', 'type' => 'switch', 'default' => true, 'help' => '开启后用户中心显示现金钱包，并可作为收银台支付方式'],
+							['key' => 'pay_balance_withdraw_s', 'label' => '余额提现', 'type' => 'switch', 'default' => false, 'help' => '允许将余额提现', 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
+							['key' => 'pay_balance_desc', 'label' => '充值说明', 'type' => 'textarea', 'default' => '', 'rows' => 3, 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true], 'help' => '用户充值时显示的内容，建议为提醒事项、充值协议等，支持HTML代码'],
+						]],
+						['key' => 'transfer', 'title' => '余额转账', 'fields' => [
+							['key' => 'pay_balance_transfer_s', 'label' => '启用余额转账', 'type' => 'switch', 'default' => false, 'help' => '允许用户转账给其他用户'],
+							['key' => 'pay_balance_transfer_service_charge', 'label' => '转账手续费(%)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 50, 'dependsOn' => ['key' => 'pay_balance_transfer_s', 'value' => true]],
+							['key' => 'pay_balance_transfer_desc', 'label' => '转账说明', 'type' => 'textarea', 'default' => '', 'rows' => 2, 'dependsOn' => ['key' => 'pay_balance_transfer_s', 'value' => true], 'help' => '用户转账时候显示的内容，建议为提醒事项、转账协议等，支持HTML代码'],
+						]],
+						['key' => 'products', 'title' => '充值商品选项', 'fields' => [
+							['key' => 'pay_balance_product', 'label' => '充值金额选项', 'type' => 'group', 'button_title' => '添加充值金额选项', 'default' => [
+								['price' => 50, 'pay_price' => 0, 'tag' => '', 'tag_class' => ''],
+								['price' => 100, 'pay_price' => 98, 'tag' => '', 'tag_class' => ''],
+								['price' => 200, 'pay_price' => 188, 'tag' => '推荐', 'tag_class' => 'jb-cyan'],
+								['price' => 500, 'pay_price' => 468, 'tag' => '特惠', 'tag_class' => 'jb-pink'],
+							], 'help' => '用户充值时候，可快速选择的充值金额，同时支持设置折扣', 'fields' => [
+								['key' => 'price', 'label' => '充值金额', 'type' => 'number', 'default' => 100, 'min' => 0, 'suffix' => '元'],
+								['key' => 'pay_price', 'label' => '销售金额', 'type' => 'number', 'default' => 0, 'min' => 0, 'suffix' => '元', 'help' => '选填，设置不同的销售金额实现充值折扣的功能，设置为0则与充值金额一致'],
+								['key' => 'tag', 'label' => '小标签', 'type' => 'input', 'default' => '', 'help' => '支持HTML，请注意控制长度'],
+								['key' => 'tag_class', 'label' => '标签颜色类', 'type' => 'input', 'default' => '', 'help' => '主题标签颜色类，如 jb-cyan / jb-pink'],
+							]],
+							['key' => 'pay_balance_product_custom_s', 'label' => '自定义充值金额', 'type' => 'switch', 'default' => true, 'help' => '允许用户手动输入充值金额'],
+							['key' => 'pay_balance_product_custom_limit', 'label' => '自定义充值金额上限', 'type' => 'number', 'default' => 9999, 'min' => 1, 'max' => 99999, 'dependsOn' => ['key' => 'pay_balance_product_custom_s', 'value' => true]],
+						]],
+						['key' => 'pass-charge', 'title' => '卡密充值', 'fields' => [
+							['key' => 'pay_balance_pass_charge_s', 'label' => '启用卡密充值余额功能', 'type' => 'switch', 'default' => false],
+							['key' => 'pay_balance_pass_charge_desc', 'label' => '卡密充值说明', 'type' => 'textarea', 'default' => '', 'rows' => 2, 'dependsOn' => ['key' => 'pay_balance_pass_charge_s', 'value' => true], 'help' => '用户使用卡密充值时显示的内容，建议为提醒事项、充值协议等，支持HTML代码'],
+							['key' => 'pay_balance_pass_charge_only_password', 'label' => '单密码模式', 'type' => 'switch', 'default' => false, 'dependsOn' => ['key' => 'pay_balance_pass_charge_s', 'value' => true], 'help' => '仅需输入密码，不需要卡号'],
+						]],
+						['key' => 'charge-card', 'title' => '充值卡', 'fields' => [
+							['key' => 'card_pass_enabled', 'label' => '启用充值卡', 'type' => 'switch', 'default' => false, 'help' => '充值卡规则与批量发卡配置；卡密兑换入口由上方「卡密充值」控制'],
+							['key' => 'card_pass_desc', 'label' => '充值卡说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+							['key' => 'card_pass_type', 'label' => '充值卡类型', 'type' => 'select', 'default' => 'balance', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true], 'options' => [
+								['label' => '余额卡', 'value' => 'balance'],
+								['label' => 'VIP卡', 'value' => 'vip'],
+								['label' => '积分卡', 'value' => 'credits'],
+							]],
+							['key' => 'card_pass_prefix', 'label' => '卡号前缀', 'type' => 'input', 'default' => 'AK', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+							['key' => 'card_pass_length', 'label' => '卡号长度', 'type' => 'number', 'default' => 16, 'min' => 8, 'max' => 32, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+							['key' => 'card_pass_batch_size', 'label' => '批量生成数量', 'type' => 'number', 'default' => 50, 'min' => 1, 'max' => 500, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+							['key' => 'card_pass_max_redeem', 'label' => '单卡最大兑换次数', 'type' => 'number', 'default' => 1, 'min' => 1, 'max' => 100, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+							['key' => 'card_pass_expiry', 'label' => '有效期(天)', 'type' => 'number', 'default' => 0, 'min' => 0, 'help' => '0为永久有效', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
 							['key' => 'card_pass_amount', 'label' => '面额(元)', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '10.00', 'min' => 1, 'max' => 9999, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                            ['key' => 'card_pass_vip_days', 'label' => 'VIP天数', 'type' => 'number', 'default' => 30, 'min' => 1, 'max' => 3650, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                            ['key' => 'card_pass_credits', 'label' => '赠送积分', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 99999, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                        ]],
-                        ['key' => 'display', 'title' => '展示设置', 'fields' => [
-                            ['key' => 'card_pass_redeem_page', 'label' => '兑换页面', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                            ['key' => 'card_pass_success_msg', 'label' => '兑换成功提示', 'type' => 'input', 'default' => '兑换成功！', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                            ['key' => 'card_pass_fail_msg', 'label' => '兑换失败提示', 'type' => 'input', 'default' => '卡号无效或已过期', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
-                        ]],
-                    ],
-                ],
-                'withdrawal' => [
-                    'key'        => 'withdrawal',
-                    'title'      => '提现策略',
-                    'version'    => '1.0.0',
-                    'option_key' => 'aksrt_settings',
-                    'groups'     => [
-                        ['key' => 'basic', 'title' => '提现设置', 'fields' => [
-							['key' => 'affiliate_min_withdrawal', 'label' => '最低提现金额', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '50.00', 'desc' => '仅接受最多两位小数的十进制字符串。'],
-                            ['key' => 'affiliate_withdrawal_fee', 'label' => '提现手续费(%)', 'type' => 'number', 'default' => 5, 'min' => 0, 'max' => 100],
-                            ['key' => 'affiliate_daily_withdrawal_count', 'label' => '每日可提现次数', 'type' => 'number', 'default' => 3, 'min' => 0, 'max' => 99999],
-							['key' => 'affiliate_daily_withdrawal_limit', 'label' => '每日提现上限', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '500.00', 'desc' => '仅接受最多两位小数的十进制字符串。'],
-                            ['key' => 'affiliate_withdrawal_reset_time', 'label' => '重置时间', 'type' => 'input', 'default' => '00:00', 'help' => '按站点 WordPress 时区重置，格式 HH:MM。'],
-                            ['key' => 'affiliate_payout_channels', 'label' => '可用收款渠道', 'type' => 'checkbox', 'options' => [['value' => 'alipay', 'label' => '支付宝收款码'], ['value' => 'wechat', 'label' => '微信收款码']], 'default' => ['alipay', 'wechat']],
-                        ]],
-                    ],
-                ],
-            ],
-        ];
-    }
+							['key' => 'card_pass_vip_days', 'label' => 'VIP天数', 'type' => 'number', 'default' => 30, 'min' => 1, 'max' => 3650, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+							['key' => 'card_pass_credits', 'label' => '赠送积分', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 99999, 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+							['key' => 'card_pass_redeem_page', 'label' => '兑换页面', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+							['key' => 'card_pass_success_msg', 'label' => '兑换成功提示', 'type' => 'input', 'default' => '兑换成功！', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+							['key' => 'card_pass_fail_msg', 'label' => '兑换失败提示', 'type' => 'input', 'default' => '卡号无效或已过期', 'dependsOn' => ['key' => 'card_pass_enabled', 'value' => true]],
+						]],
+						['key' => 'points-exchange', 'title' => '余额兑换积分', 'fields' => [
+							['key' => 'pay_balance_points_exchange_s', 'label' => '启用余额兑换积分', 'type' => 'switch', 'default' => false, 'dependsOn' => ['key' => 'pay_balance_s', 'value' => true]],
+							['key' => 'pay_balance_points_exchange_rate', 'label' => '兑换比例', 'type' => 'number', 'default' => 100, 'min' => 1, 'max' => 10000, 'help' => '1 余额 = N 积分', 'dependsOn' => ['key' => 'pay_balance_points_exchange_s', 'value' => true]],
+							['key' => 'pay_balance_points_exchange_min_points', 'label' => '单笔最低购买积分', 'type' => 'number', 'default' => 100, 'min' => 1, 'max' => 10000000, 'dependsOn' => ['key' => 'pay_balance_points_exchange_s', 'value' => true]],
+							['key' => 'pay_balance_points_exchange_daily_max_points', 'label' => '每日最高购买积分', 'type' => 'number', 'default' => 100000, 'min' => 1, 'max' => 10000000, 'dependsOn' => ['key' => 'pay_balance_points_exchange_s', 'value' => true]],
+							['key' => 'pay_balance_points_exchange_desc', 'label' => '兑换说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_balance_points_exchange_s', 'value' => true]],
+						]],
+					],
+				],
+
+				/* ------------------------------------------------------------------
+				 * VIP会员
+				 * ------------------------------------------------------------------ */
+				'vip' => [
+					'key'        => 'vip',
+					'title'      => 'VIP会员',
+					'version'    => '1.1.0',
+					'option_key' => 'aksrt_settings',
+					'groups'     => [
+						['key' => 'notice', 'title' => '说明', 'fields' => [
+							['key' => 'vip_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<ul style="margin:0 0 0 18px;line-height:1.9"><li>开启付费会员功能之前，请先配置好收款接口，确保网站收款正常</li><li>会员功能的设置项目较多，请仔细核对，避免出现价格、时间的问题</li><li>配合设置名称、有效期等可搭配出不同类型的会员</li><li>管理员可在后台为用户单独开启会员</li></ul>'],
+						]],
+						['key' => 'basic', 'title' => '会员等级', 'fields' => [
+							['key' => 'nav_pay_vip', 'label' => '导航栏购买按钮', 'type' => 'switch', 'default' => true, 'help' => '在顶部导航栏显示开通会员按钮；请注意顶部导航的整体宽度。'],
+							['key' => 'nav_user_pay_vip', 'label' => '用户框购买按钮', 'type' => 'switch', 'default' => true, 'help' => '在导航栏用户框内显示开通会员按钮。'],
+							['key' => 'pay_user_vip_1_s', 'label' => '启用一级会员', 'type' => 'switch', 'default' => true],
+							['key' => 'pay_user_vip_1_name', 'label' => '一级会员显示名称', 'type' => 'input', 'default' => '一级会员', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
+							['key' => 'pay_user_vip_1_desc', 'label' => '一级会员一句话简介', 'type' => 'input', 'default' => '尊享一级会员特权', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
+							['key' => 'pay_user_vip_1_equity', 'label' => '一级会员权益 HTML', 'type' => 'textarea', 'default' => '<li>免费下载部分资源</li><li>会员专属身份标识</li><li>付费内容会员价</li>', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
+							['key' => 'vip_1_img_icon', 'label' => '一级会员图标 URL', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true], 'help' => '留空使用内置 vip-1.svg 图标'],
+							['key' => 'pay_user_vip_2_s', 'label' => '启用二级会员', 'type' => 'switch', 'default' => true],
+							['key' => 'pay_user_vip_2_name', 'label' => '二级会员显示名称', 'type' => 'input', 'default' => '二级会员', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
+							['key' => 'pay_user_vip_2_desc', 'label' => '二级会员一句话简介', 'type' => 'input', 'default' => '尊享二级会员特权', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
+							['key' => 'pay_user_vip_2_equity', 'label' => '二级会员权益 HTML', 'type' => 'textarea', 'default' => '<li>更高免费下载额度</li><li>更高等级身份标识</li><li>更多付费内容会员价</li>', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
+							['key' => 'vip_2_img_icon', 'label' => '二级会员图标 URL', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true], 'help' => '留空使用内置 vip-2.svg 图标'],
+							['key' => 'pay_user_vip_desc', 'label' => '弹窗顶部会员说明', 'type' => 'textarea', 'default' => ''],
+							['key' => 'pay_user_vip_more', 'label' => '弹窗底部补充说明 HTML', 'type' => 'textarea', 'default' => ''],
+						]],
+						['key' => 'benefit', 'title' => '会员权益', 'fields' => [
+							['key' => 'vip_benefit', 'label' => '会员权益', 'type' => 'tabbed', 'tabs' => [
+								['key' => 'ordinary', 'title' => '普通用户', 'fields' => [
+									['key' => 'pay_download_limit', 'label' => '付费资源：免费资源每日可下载(个)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 9999, 'help' => '普通用户每日最多可下载几个免费资源(为0则不限制)'],
+									['key' => 'pay_download_speed', 'label' => '付费资源：下载限速(KB/s)', 'type' => 'number', 'default' => 0, 'min' => 0, 'help' => '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效'],
+								]],
+								['key' => 'vip1', 'title' => '一级会员', 'fields' => [
+									['key' => 'pay_download_limit_vip_1', 'label' => '付费资源：免费资源每日可下载(个)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 9999, 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true], 'help' => '一级会员每日最多可下载几个免费资源(为0则不限制)'],
+									['key' => 'pay_download_speed_vip_1', 'label' => '付费资源：下载限速(KB/s)', 'type' => 'number', 'default' => 0, 'min' => 0, 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true], 'help' => '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效'],
+								]],
+								['key' => 'vip2', 'title' => '二级会员', 'fields' => [
+									['key' => 'pay_download_limit_vip_2', 'label' => '付费资源：免费资源每日可下载(个)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 9999, 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true], 'help' => '二级会员每日最多可下载几个免费资源(为0则不限制)'],
+									['key' => 'pay_download_speed_vip_2', 'label' => '付费资源：下载限速(KB/s)', 'type' => 'number', 'default' => 0, 'min' => 0, 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true], 'help' => '付费下载限制最大下载速度(为0则不限制)；只对本地服务器文件有效'],
+								]],
+							]],
+						]],
+						['key' => 'opt', 'title' => '会员购买选项', 'fields' => [
+							['key' => 'vip_opt', 'label' => '会员购买选项', 'type' => 'tabbed', 'tabs' => [
+								['key' => 'vip1', 'title' => '一级会员', 'fields' => [
+									['key' => 'vip_1_product_s', 'label' => '允许购买一级会员', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_user_vip_1_s', 'value' => true]],
+									['key' => 'payment_vip_1_products', 'label' => '一级会员套餐', 'type' => 'textarea', 'default' => "30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡", 'dependsOn' => ['key' => 'vip_1_product_s', 'value' => true], 'help' => '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久'],
+								]],
+								['key' => 'vip2', 'title' => '二级会员', 'fields' => [
+									['key' => 'vip_2_product_s', 'label' => '允许购买二级会员', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_user_vip_2_s', 'value' => true]],
+									['key' => 'payment_vip_2_products', 'label' => '二级会员套餐', 'type' => 'textarea', 'default' => "58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡", 'dependsOn' => ['key' => 'vip_2_product_s', 'value' => true], 'help' => '每行：执行价|原价|时长|单位(day|month)|标签|标题；时长 0=永久'],
+								]],
+								['key' => 'renew', 'title' => '会员续费', 'fields' => [
+									['key' => 'vip_renew', 'label' => '允许续费', 'type' => 'switch', 'default' => true, 'help' => '关闭后则不能续费，只能会员到期之后再购买。永久会员不需要续费'],
+									['key' => 'vip_renew_desc', 'label' => '续费说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'vip_renew', 'value' => true]],
+									['key' => 'vip_renew_price_type', 'label' => '续费价格类型', 'type' => 'radio', 'default' => 'discount', 'dependsOn' => ['key' => 'vip_renew', 'value' => true], 'options' => [
+										['label' => '相同价格', 'value' => 'same'],
+										['label' => '折扣价格', 'value' => 'discount'],
+										['label' => '优惠立减', 'value' => 'reduce'],
+									]],
+									['key' => 'vip_renew_discount', 'label' => '续费折扣(折，如 8=八折)', 'type' => 'number', 'default' => 8, 'min' => 1, 'max' => 100, 'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'discount']],
+									['key' => 'vip_renew_reduce', 'label' => '续费减免金额', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '20.00', 'min' => 0, 'max' => 9999, 'dependsOn' => ['key' => 'vip_renew_price_type', 'value' => 'reduce']],
+								]],
+								['key' => 'upgrade', 'title' => '会员升级', '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' => 'textarea', 'default' => "unit|1|按剩余天数升级\njump|199|升级永久二级会员\npermanent|299|永久一级升永久二级", 'dependsOn' => ['key' => 'vip_upgrade', 'value' => true], 'help' => '每行一条。永久VIP1：permanent|价格|标题；剩余天：unit|每日单价|标题；跳转永久：jump|价格|标题'],
+								]],
+							]],
+						]],
+						['key' => 'pass-charge', 'title' => '卡密兑换会员', 'fields' => [
+							['key' => 'pay_vip_pass_charge_s', 'label' => '启用卡密兑换会员功能', 'type' => 'switch', 'default' => false],
+							['key' => 'pay_vip_pass_charge_desc', 'label' => '卡密兑换说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_vip_pass_charge_s', 'value' => true], 'help' => '用户使用卡密兑换时显示的内容，建议为提醒事项、充值协议等，支持HTML代码'],
+							['key' => 'pay_vip_pass_charge_only_password', 'label' => '单密码模式', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_vip_pass_charge_s', 'value' => true], 'help' => '仅需输入密码，不需要卡号'],
+						]],
+						['key' => 'points-exchange', 'title' => '积分兑换会员', 'fields' => [
+							['key' => 'pay_vip_points_exchange_s', 'label' => '启用积分兑换', 'type' => 'switch', 'default' => false],
+							['key' => 'payment_vip_points_packages', 'label' => '兑换套餐', 'type' => 'textarea', 'default' => "1|500|30|积分月卡\n1|5000|0|积分永久", 'dependsOn' => ['key' => 'pay_vip_points_exchange_s', 'value' => true], 'help' => '每行：等级|积分|天数|标题（天数 0=永久；普通用户可开通，已有会员可续费同等级或升级更高等级）'],
+							['key' => 'pay_vip_points_exchange_desc', 'label' => '兑换说明', 'type' => 'textarea', 'default' => '', 'dependsOn' => ['key' => 'pay_vip_points_exchange_s', 'value' => true]],
+						]],
+					],
+				],
+
+				/* ------------------------------------------------------------------
+				 * 创作分成
+				 * ------------------------------------------------------------------ */
+				'revenue' => [
+					'key'        => 'revenue',
+					'title'      => '创作分成',
+					'version'    => '2.1.0',
+					'option_key' => 'aksrt_settings',
+					'groups'     => [
+						['key' => 'notice', 'title' => '说明', 'fields' => [
+							['key' => 'revenue_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<ul style="margin:0 0 0 18px;line-height:1.9"><li>开启创作分成后，用户发布的付费内容则按设置的比例收入与用户分成</li><li>在下方设置默认的分成比例，同时支持单独为每一个用户设置独立的分成比例</li><li>用户分成比例是按照订单实收现金并扣除推广佣金后，再按设置的比例分成</li><li>禁用此功能后，所有收款将不会与作者分成</li></ul>'],
+						]],
+						['key' => 'basic', 'title' => '创作中心设置', 'fields' => [
+							['key' => 'pay_income_s', 'label' => '启用创作分成', 'type' => 'switch', 'default' => false],
+							['key' => 'payment_revenue_cycle_days', 'label' => '结算周期(天)', 'type' => 'number', 'default' => 30, 'min' => 1, 'max' => 365, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
+							['key' => 'payment_revenue_note', 'label' => '结算备注文案', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<p>订单完成并经过结算周期后，作者分成会自动转入对应的钱包。</p>', 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
+						]],
+						['key' => 'cash', 'title' => '现金收益分成', 'fields' => [
+							['key' => 'payment_revenue_cash_ratio_user', 'label' => '普通用户分成比例(%)', 'type' => 'number', 'default' => 60, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true], 'help' => '为0则不参与分成'],
+							['key' => 'payment_revenue_cash_ratio_vip_1', 'label' => '一级会员分成比例(%)', 'type' => 'number', 'default' => 70, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
+							['key' => 'payment_revenue_cash_ratio_vip_2', 'label' => '二级会员分成比例(%)', 'type' => 'number', 'default' => 80, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
+						]],
+						['key' => 'points', 'title' => '积分收益分成', 'fields' => [
+							['key' => 'payment_revenue_points_ratio_user', 'label' => '普通用户分成比例(%)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true], 'help' => '为0则不参与分成（用户采用积分支付的订单给与作者的分成比例）'],
+							['key' => 'payment_revenue_points_ratio_vip_1', 'label' => '一级会员分成比例(%)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
+							['key' => 'payment_revenue_points_ratio_vip_2', 'label' => '二级会员分成比例(%)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true]],
+						]],
+						['key' => 'detail', 'title' => '分成说明', 'fields' => [
+							['key' => 'pay_income_desc_details', 'label' => '创作分成说明', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<p>在本站发布付费内容，获得的收益将参与收入分成</p><p>普通用户分成比例为：60%</p><p>一级会员分成比例为：70%</p><p>二级会员分成比例为：80%</p><p>分成比例的计算方式为：（实收现金-推广佣金）x 分成比例</p><p>申请提现后，需后台人工处理，一般2-3小时，请耐心等待</p>', 'rows' => 8, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true], 'help' => '显示在用户中心的说明，建议为发布协议或者其他说明（必填项，内容不易太少），支持HTML代码'],
+							['key' => 'pay_income_desc_page_s', 'label' => '创作分成详情页面', 'type' => 'switch', 'default' => false, 'dependsOn' => ['key' => 'pay_income_s', 'value' => true], 'help' => '您可以新建一个页面写入更加详细的创作分成说明及协议内容，再开启此项并选择对应的页面'],
+							['key' => 'pay_income_desc_page', 'label' => '选择页面', 'type' => 'page_select', 'default' => 0, 'dependsOn' => ['key' => 'pay_income_desc_page_s', 'value' => true]],
+						]],
+					],
+				],
+
+				/* ------------------------------------------------------------------
+				 * 推广返佣
+				 * ------------------------------------------------------------------ */
+				'affiliate' => [
+					'key'        => 'affiliate',
+					'title'      => '推广返佣',
+					'version'    => '1.1.0',
+					'option_key' => 'aksrt_settings',
+					'groups'     => [
+						['key' => 'notice', 'title' => '说明', 'fields' => [
+							['key' => 'affiliate_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<ul style="margin:0 0 0 18px;line-height:1.9"><li>识别模式「绑定注册」：用户只要是通过任意推广链接注册的，今后此用户消费均会给推荐人返佣</li><li>识别模式「仅推广链接」：只有通过推广链接购买的才会给推荐人返佣，不会考虑是否是推荐注册的</li><li>开启的订单类型如果一个都不勾选，则代表该用户类型不参与此功能</li><li>您可以根据网站的VIP设置相互配合设置相应的规则</li><li>下面的设置为全局设置，还可以单独为每一个用户设置规则和比例</li></ul>'],
+						]],
+						['key' => 'switch', 'title' => '推广返佣', 'fields' => [
+							['key' => 'pay_rebate_s', 'label' => '启用推广返佣', 'type' => 'switch', 'default' => false],
+						]],
+						['key' => 'mode', 'title' => '推广识别模式', 'fields' => [
+							['key' => 'pay_rebate_judgment', 'label' => '推广识别模式', 'type' => 'radio', 'default' => 'all', 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true], 'options' => [
+								['label' => '绑定注册', 'value' => 'all'],
+								['label' => '仅推广链接', 'value' => 'link'],
+							]],
+							['key' => 'pay_rebate_show_users', 'label' => '用户中心显示我推荐的用户', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_rebate_judgment', 'value' => 'all']],
+							['key' => 'pay_rebate_self_s', 'label' => '自己推广自己', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true], 'help' => '允许使用自己的推广链接购买商品并获得佣金'],
+						]],
+						['key' => 'rules', 'title' => '返佣规则', 'fields' => [
+							['key' => 'rebate_rule', 'label' => '为不同用户类型设置返佣规则', 'type' => 'tabbed', 'tabs' => [
+								['key' => 'ordinary', 'title' => '普通用户', 'fields' => [
+									['key' => 'pay_rebate_user_s', 'label' => '返佣订单', 'type' => 'checkbox', 'default' => [], 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true], 'options' => [
+										['label' => '全部订单', 'value' => 'all'],
+										['label' => '购买会员', 'value' => 'membership'],
+										['label' => '付费内容', 'value' => 'content'],
+										['label' => '购买积分', 'value' => 'credits'],
+									], 'help' => '普通用户返利的订单类型，全部关闭，则代表普通用户不参与推广返佣'],
+									['key' => 'pay_rebate_ratio', 'label' => '普通用户返佣比例(%)', 'type' => 'number', 'default' => 5, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true]],
+								]],
+								['key' => 'vip1', 'title' => '一级会员', 'fields' => [
+									['key' => 'pay_rebate_user_s_1', 'label' => '返佣订单', 'type' => 'checkbox', 'default' => ['all'], 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true], 'options' => [
+										['label' => '全部订单', 'value' => 'all'],
+										['label' => '购买会员', 'value' => 'membership'],
+										['label' => '付费内容', 'value' => 'content'],
+										['label' => '购买积分', 'value' => 'credits'],
+									], 'help' => '一级会员返利的订单类型，全部关闭，则代表一级会员用户不参与推广返佣'],
+									['key' => 'pay_rebate_ratio_vip_1', 'label' => '一级会员返佣比例(%)', 'type' => 'number', 'default' => 10, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true]],
+								]],
+								['key' => 'vip2', 'title' => '二级会员', 'fields' => [
+									['key' => 'pay_rebate_user_s_2', 'label' => '返佣订单', 'type' => 'checkbox', 'default' => ['all'], 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true], 'options' => [
+										['label' => '全部订单', 'value' => 'all'],
+										['label' => '购买会员', 'value' => 'membership'],
+										['label' => '付费内容', 'value' => 'content'],
+										['label' => '购买积分', 'value' => 'credits'],
+									], 'help' => '二级会员返利的订单类型，全部关闭，则代表二级会员用户不参与推广返佣'],
+									['key' => 'pay_rebate_ratio_vip_2', 'label' => '二级会员返佣比例(%)', 'type' => 'number', 'default' => 20, 'min' => 0, 'max' => 100, 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true]],
+								]],
+							]],
+							['key' => 'affiliate_settlement_days', 'label' => '结算观察期(天)', 'type' => 'number', 'default' => 7, 'min' => 0, 'max' => 90, 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true], 'help' => '订单完成后经过观察期，佣金才会结算到可提现余额'],
+						]],
+						['key' => 'text', 'title' => '返佣文案', 'fields' => [
+							['key' => 'pay_rebate_text_desc', 'label' => '返佣文案（一句话简介）', 'type' => 'input', 'default' => '加入分享计划，获得高额奖励', 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true]],
+							['key' => 'pay_rebate_text_details_title', 'label' => '返佣详情标题', 'type' => 'input', 'default' => '返佣详解', 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true]],
+							['key' => 'pay_rebate_text_details', 'label' => '返佣详情内容', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<p>通过您的推广链接打开本站后，在本站购买商品即可获得佣金</p><p>通过您的推广链接注册后的用户今后购买的商品均可获得佣金</p><p>申请提现后，需后台人工处理，一般2-3小时，请耐心等待</p>', 'rows' => 6, 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true], 'help' => '返佣详情介绍，建议为规则介绍或者其他说明，支持HTML代码'],
+						]],
+						['key' => 'poster', 'title' => '推广海报', 'fields' => [
+							['key' => 'pay_rebate_poster_s', 'label' => '推广海报', 'type' => 'switch', 'default' => true, 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true], 'help' => '在用户中心显示包含二维码的推广海报'],
+							['key' => 'pay_rebate_poster_img', 'label' => '推广海报顶部图片', 'type' => 'media', 'default' => '', 'dependsOn' => ['key' => 'pay_rebate_poster_s', 'value' => true]],
+							['key' => 'pay_rebate_poster_title', 'label' => '推广海报标题(20-30个字)', 'type' => 'input', 'default' => '发现一个精品网站，快来看一看', 'dependsOn' => ['key' => 'pay_rebate_poster_s', 'value' => true]],
+							['key' => 'pay_rebate_poster_desc', 'label' => '推广海报简介(40-60个字)', 'type' => 'input', 'default' => '网站有超多精品资源和优惠福利，扫码进入网站还可享受诸多优惠哦', 'dependsOn' => ['key' => 'pay_rebate_poster_s', 'value' => true]],
+						]],
+						['key' => 'discount', 'title' => '推广让利标签', 'fields' => [
+							['key' => 'discount_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<p><b>推广让利标签配置详解：</b></p><ul style="margin:6px 0 0 18px;line-height:1.9"><li>可使用的变量：折扣 <code>%discount%</code>、推荐人姓名 <code>%referrer_name%</code></li><li>使用变量示例：<code>%referrer_name%推荐购买 下单再减%discount%元</code></li></ul>', 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true]],
+							['key' => 'pay_rebate_text_discount', 'label' => '推广让利标签', 'type' => 'input', 'default' => '推荐购买 下单再减%discount%', 'dependsOn' => ['key' => 'pay_rebate_s', 'value' => true], 'help' => '显示在购买模块，推广让利的标签文案'],
+						]],
+					],
+				],
+
+				/* ------------------------------------------------------------------
+				 * 收款接口（支付宝 / 微信 / PayPal / Stripe / 易支付）
+				 * ------------------------------------------------------------------ */
+				'gateway' => [
+					'key'        => 'gateway',
+					'title'      => '收款接口',
+					'version'    => '2.0.0',
+					'option_key' => 'aksrt_settings',
+					'groups'     => [
+						['key' => 'notice', 'title' => '说明', 'fields' => [
+							['key' => 'gateway_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<ul style="margin:0 0 0 18px;line-height:1.9"><li>以下收款接口，主题仅提供API接入服务，收款平台的可靠性请自行斟酌！</li><li>涉及到资金及信息安全，有相关执照的商家推荐使用官方接口</li><li>微信 / 支付宝接口可在「官方」与「易支付」之间选择；PayPal 与 Stripe 独立开关</li><li>异步回调由各网关验签，无需额外口令；回调地址固定为 /wp-json/aksrt/v1/payment/{gateway}/{notify|return}</li></ul>'],
+						]],
+						['key' => 'channels', 'title' => '收款接口选择', 'fields' => [
+							['key' => 'pay_wechat_sdk_options', 'label' => '微信收款接口', 'type' => 'select', 'default' => 'null', 'options' => [
+								['label' => '微信官方', 'value' => 'official_wechat'],
+								['label' => '易支付-微信', 'value' => 'epay'],
+								['label' => '关闭微信收款', 'value' => 'null'],
+							]],
+							['key' => 'pay_alipay_sdk_options', 'label' => '支付宝收款接口', 'type' => 'select', 'default' => 'null', 'options' => [
+								['label' => '支付宝企业支付/当面付', 'value' => 'official_alipay'],
+								['label' => '易支付-支付宝', 'value' => 'epay'],
+								['label' => '关闭支付宝收款', 'value' => 'null'],
+							]],
+							['key' => 'pay_paypal_sdk_s', 'label' => 'PayPal支付(贝宝)', 'type' => 'switch', 'default' => false, 'help' => '启用后请在下方配置参数'],
+							['key' => 'pay_stripe_sdk_s', 'label' => 'Stripe支付', 'type' => 'switch', 'default' => false, 'help' => '启用后请在下方配置参数'],
+						]],
+						['key' => 'currency', 'title' => '货币与结算', 'fields' => [
+							['key' => 'pay_currency_mark', 'label' => '本地货币符号', 'type' => 'input', 'default' => '￥', 'help' => '显示在金额前面（例如 $ 或 ￥）'],
+							['key' => 'pay_currency_unit', 'label' => '本地货币单位名称', 'type' => 'input', 'default' => '元', 'help' => '金额后缀，例如：人民币填「元」、美元填「dollars」'],
+							['key' => 'pay_wechat_settle', 'label' => '微信结算配置', 'type' => 'fieldset', 'default' => ['settle_rate' => '1', 'settle_mark' => '￥', 'settle_unit' => '元'], 'fields' => [
+								['key' => 'settle_rate', 'label' => '结算汇率', 'type' => 'input', 'default' => '1'],
+								['key' => 'settle_mark', 'label' => '结算货币符号', 'type' => 'input', 'default' => '￥'],
+								['key' => 'settle_unit', 'label' => '结算货币单位', 'type' => 'input', 'default' => '元'],
+							]],
+							['key' => 'pay_alipay_settle', 'label' => '支付宝结算配置', 'type' => 'fieldset', 'default' => ['settle_rate' => '1', 'settle_mark' => '￥', 'settle_unit' => '元'], 'fields' => [
+								['key' => 'settle_rate', 'label' => '结算汇率', 'type' => 'input', 'default' => '1'],
+								['key' => 'settle_mark', 'label' => '结算货币符号', 'type' => 'input', 'default' => '￥'],
+								['key' => 'settle_unit', 'label' => '结算货币单位', 'type' => 'input', 'default' => '元', 'help' => '如果接入的收款方式与本地的货币类型不同，则在此配置结算汇率及单位'],
+							]],
+							['key' => 'pay_sdk_custom_title_s', 'label' => '自定义收款标题', 'type' => 'switch', 'default' => false, 'help' => '默认为付款类型加网站名，如需自定义请开启'],
+							['key' => 'pay_sdk_custom_title', 'label' => '自定义收款标题', 'type' => 'input', 'default' => '', 'dependsOn' => ['key' => 'pay_sdk_custom_title_s', 'value' => true], 'help' => '可使用变量：订单类型 %order_type%，例如：%order_type%-AKSRT；注意控制总长度，太长会导致部分接口报错'],
+						]],
+						['key' => 'order', 'title' => '订单与编号', 'fields' => [
+							['key' => 'payment_order_prefix', 'label' => '订单前缀', 'type' => 'input', 'default' => 'AKSRT', 'help' => '订单号生成前缀'],
+							['key' => 'payment_flow_prefix', 'label' => '流水号前缀', 'type' => 'input', 'sanitize_type' => 'business_prefix', 'default' => 'AK', 'maxlength' => 12, 'help' => '仅允许字母、数字、下划线和短横线，最多 12 位。'],
+							['key' => 'payment_withdrawal_prefix', 'label' => '提现单号前缀', 'type' => 'input', 'sanitize_type' => 'business_prefix', 'default' => 'TX', 'maxlength' => 12, 'help' => '仅允许字母、数字、下划线和短横线，最多 12 位。'],
+							['key' => 'payment_order_expiry', 'label' => '订单支付时效(分钟)', 'type' => 'number', 'default' => 30, 'min' => 5, 'max' => 1440, 'help' => '用户下单后，最大支付时间，超过后订单将自动关闭(不能低于5分钟)'],
+							['key' => 'pay_wait_float_s', 'label' => '浮窗显示待支付订单', 'type' => 'switch', 'default' => true, 'help' => '将用户待支付订单一直显示在右上角，提醒用户付款'],
+						]],
+						['key' => 'sdk-order', 'title' => '收款接口显示顺序', 'fields' => [
+							['key' => 'pay_sdk_order', 'label' => '显示顺序', 'type' => 'sortable', 'default' => [], 'items' => [
+								['key' => 'wechat', 'title' => '微信', 'fields' => []],
+								['key' => 'alipay', 'title' => '支付宝', 'fields' => []],
+								['key' => 'paypal', 'title' => 'PayPal(贝宝)', 'fields' => []],
+								['key' => 'stripe', 'title' => 'Stripe', 'fields' => []],
+								['key' => 'balance', 'title' => '余额', 'fields' => []],
+								['key' => 'card_pass', 'title' => '卡密', 'fields' => []],
+							], 'help' => '收银台支付方式显示顺序；仅显示已开启的接口'],
+						]],
+						['key' => 'alipay', 'title' => '支付宝官方', 'collapsible' => true, 'expandWhen' => 'pay_alipay_sdk_options', 'dependsOn' => ['key' => 'pay_alipay_sdk_options', 'value' => 'official_alipay'], 'fields' => [
+							['key' => 'alipay_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<ul style="margin:0 0 0 18px;line-height:1.9"><li>支付宝公钥为必填项目（公钥错误可以成功付款，但会回调失败）</li><li>回调地址固定为 /wp-json/aksrt/v1/payment/alipay/{notify|return}</li><li>同时填写了企业支付以及当面付参数，则优先使用当面付</li></ul>'],
+							['key' => 'alipay_appid', 'label' => '当面付：APPID', 'type' => 'input', 'default' => ''],
+							['key' => 'alipay_privatekey', 'label' => '当面付：应用私钥', 'type' => 'textarea', 'sanitize_type' => 'code', 'default' => '', 'rows' => 4],
+							['key' => 'alipay_payment_type', 'label' => '支付方式', 'type' => 'select', 'default' => 'page', 'options' => [
+								['label' => '电脑网站支付（web）', 'value' => 'page'],
+								['label' => '手机网站支付（wap）', 'value' => 'wap'],
+							]],
+							['key' => 'alipay_app_public_cert_path', 'label' => '应用公钥证书路径', 'type' => 'input', 'default' => '', 'help' => 'appCertPublicKey.crt 绝对路径。'],
+							['key' => 'alipay_public_cert_path', 'label' => '支付宝公钥证书路径', 'type' => 'input', 'default' => '', 'help' => 'alipayCertPublicKey_RSA2.crt 绝对路径。'],
+							['key' => 'alipay_root_cert_path', 'label' => '支付宝根证书路径', 'type' => 'input', 'default' => '', 'help' => 'alipayRootCert.crt 绝对路径。'],
+						]],
+						['key' => 'wechat', 'title' => '微信官方', 'collapsible' => true, 'expandWhen' => 'pay_wechat_sdk_options', 'dependsOn' => ['key' => 'pay_wechat_sdk_options', 'value' => 'official_wechat'], 'fields' => [
+							['key' => 'wechat_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<ul style="margin:0 0 0 18px;line-height:1.9"><li>微信企业支付：官方接口，商家可申请，有年费，申请较为复杂</li><li>回调地址固定为 /wp-json/aksrt/v1/payment/wechatpay/{notify|return}，请配置 Native 支付回调链接</li></ul>'],
+							['key' => 'wechat_merchantid', 'label' => '商户号 PartnerID', 'type' => 'input', 'default' => ''],
+							['key' => 'wechat_appid', 'label' => '授权绑定的AppID', 'type' => 'input', 'default' => ''],
+							['key' => 'wechat_payment_type', 'label' => '支付方式', 'type' => 'select', 'default' => 'native', 'options' => [
+								['label' => '扫码支付（Native）', 'value' => 'native'],
+								['label' => 'H5支付', 'value' => 'h5'],
+							]],
+							['key' => 'wechat_api_v3_key', 'label' => '支付APIv3密钥', 'type' => 'input', 'default' => '', 'help' => '微信商户平台设置的 APIv3 密钥（32位）。'],
+							['key' => 'wechat_private_key_path', 'label' => '商户私钥路径', 'type' => 'input', 'default' => '', 'help' => 'apiclient_key.pem 绝对路径，用于签名。'],
+							['key' => 'wechat_cert_path', 'label' => '商户API证书路径', 'type' => 'input', 'default' => '', 'help' => 'apiclient_cert.pem 绝对路径。'],
+						]],
+						['key' => 'paypal', 'title' => 'PayPal（贝宝）', 'collapsible' => true, 'expandWhen' => 'pay_paypal_sdk_s', 'dependsOn' => ['key' => 'pay_paypal_sdk_s', 'value' => true], 'fields' => [
+							['key' => 'paypal_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<ul style="margin:0 0 0 18px;line-height:1.9"><li>PayPal（贝宝）是常见的海外支付接口</li><li>如果您的收款账户为中国大陆地区，则账户类型必须是企业，且只能收取非中国大陆区的PayPal付款</li><li>REST 应用申请：https://developer.paypal.com/dashboard/applications</li></ul>'],
+							['key' => 'paypal_client_id', 'label' => 'Client ID', 'type' => 'input', 'default' => ''],
+							['key' => 'paypal_client_secret', 'label' => 'Client Secret', 'type' => 'input', 'default' => ''],
+							['key' => 'paypal_currency', 'label' => '结算货币', 'type' => 'select', 'default' => 'USD', 'options' => self::currency_options()],
+							['key' => 'paypal_rates', 'label' => '货币汇率', 'type' => 'input', 'default' => '0.14', 'help' => '根据你选择的货币类型与您定价货币的汇率进行填写，例如1元人民币兑换0.137美元(USD)，则此处填0.137'],
+							['key' => 'paypal_sandbox', 'label' => '沙盒调试模式', 'type' => 'switch', 'default' => false, 'help' => '沙箱模式（Sandbox）是PayPal支付的测试环境。开启后请使用沙箱环境生成的收款账户和付款账户进行测试。'],
+						]],
+						['key' => 'stripe', 'title' => 'Stripe', 'collapsible' => true, 'expandWhen' => 'pay_stripe_sdk_s', 'dependsOn' => ['key' => 'pay_stripe_sdk_s', 'value' => true], 'fields' => [
+							['key' => 'stripe_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<ul style="margin:0 0 0 18px;line-height:1.9"><li>Stripe 是常见的海外信用卡收款接口</li><li>API 密钥申请：https://dashboard.stripe.com/apikeys</li><li>Webhook 事件：checkout.session.completed</li><li>测试环境请使用 sk_test_ 开头的 Secret Key</li></ul>'],
+							['key' => 'stripe_secret_key', 'label' => '私钥Secret Key', 'type' => 'input', 'default' => '', 'help' => 'Stripe Dashboard → Developers → API keys → Secret key'],
+							['key' => 'stripe_publishable_key', 'label' => 'Publishable Key', 'type' => 'input', 'default' => ''],
+							['key' => 'stripe_webhook_secret', 'label' => '签名密钥Webhook Secret', 'type' => 'input', 'default' => '', 'help' => 'Developers → Webhooks → 端点 → Signing secret（whsec_ 开头）'],
+							['key' => 'stripe_currency', 'label' => '结算货币', 'type' => 'select', 'default' => 'USD', 'options' => self::currency_options()],
+							['key' => 'stripe_rates', 'label' => '货币汇率', 'type' => 'input', 'default' => '0.14', 'help' => '根据你选择的货币类型与您定价货币的汇率进行填写，例如1元人民币兑换0.137美元(USD)，则此处填0.137'],
+							['key' => 'stripe_test_mode', 'label' => '测试模式', 'type' => 'switch', 'default' => false, 'help' => '如果使用的测试开放模式，则请使用 sk_test_ 测试密钥与 Stripe 测试卡进行配置'],
+						]],
+						['key' => 'epay', 'title' => '易支付', 'collapsible' => true, 'expandWhen' => 'pay_wechat_sdk_options', 'dependsOn' => ['any' => [
+							['key' => 'pay_wechat_sdk_options', 'value' => 'epay'],
+							['key' => 'pay_alipay_sdk_options', 'value' => 'epay'],
+						]], 'fields' => [
+							['key' => 'epay_notice', 'label' => '', 'type' => 'content', 'ui_only' => true, 'content' => '<ul style="margin:0 0 0 18px;line-height:1.9"><li>易支付是一个常见的支付系统源码，任何人都可以下载并搭建</li><li>同时市面上多数的小规模支付平台都是由易支付修改而来，例如部分码支付、源支付等等</li><li>由于此接口服务商众多，主题只负责技术接入，平台可靠性请自行斟酌</li></ul>'],
+							['key' => 'epay_apiurl', 'label' => 'API接口网址', 'type' => 'input', 'default' => '', 'help' => '请填写接口地址，例如：https://pay.xxxxxxx.cn/'],
+							['key' => 'epay_pid', 'label' => '商户号', 'type' => 'input', 'default' => ''],
+							['key' => 'epay_key', 'label' => '商户秘钥', 'type' => 'input', 'default' => '', 'help' => 'MD5 通信密钥。'],
+							['key' => 'epay_device', 'label' => '下单终端', 'type' => 'select', 'default' => 'auto', 'options' => [
+								['label' => '自动（按 UA）', 'value' => 'auto'],
+								['label' => '电脑端 submit', 'value' => 'pc'],
+								['label' => '移动端 mapi', 'value' => 'mobile'],
+							]],
+						]],
+					],
+				],
+
+				/* ------------------------------------------------------------------
+				 * 提现策略
+				 * ------------------------------------------------------------------ */
+				'withdrawal' => [
+					'key'        => 'withdrawal',
+					'title'      => '提现策略',
+					'version'    => '1.1.0',
+					'option_key' => 'aksrt_settings',
+					'groups'     => [
+						['key' => 'basic', 'title' => '提现门槛', 'fields' => [
+							['key' => 'affiliate_min_withdrawal', 'label' => '提现最低金额限制', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '50.00', 'help' => '当用户可提现总金额(推广佣金、余额、创作分成)高于多少时候，才能发起提现'],
+							['key' => 'affiliate_withdrawal_fee', 'label' => '提现手续费(%)', 'type' => 'number', 'default' => 5, 'min' => 0, 'max' => 100],
+						]],
+						['key' => 'limits', 'title' => '每日限制', 'fields' => [
+							['key' => 'affiliate_daily_withdrawal_count', 'label' => '每日可提现次数', 'type' => 'number', 'default' => 3, 'min' => 0, 'max' => 99999],
+							['key' => 'affiliate_daily_withdrawal_limit', 'label' => '每日提现上限', 'type' => 'input', 'sanitize_type' => 'money_decimal', 'default' => '500.00'],
+							['key' => 'affiliate_withdrawal_reset_time', 'label' => '重置时间', 'type' => 'input', 'default' => '00:00', 'help' => '按站点 WordPress 时区重置，格式 HH:MM。'],
+						]],
+						['key' => 'channels', 'title' => '收款渠道', 'fields' => [
+							['key' => 'affiliate_payout_channels', 'label' => '可用收款渠道', 'type' => 'checkbox', 'options' => [['value' => 'alipay', 'label' => '支付宝收款码'], ['value' => 'wechat', 'label' => '微信收款码']], 'default' => ['alipay', 'wechat']],
+						]],
+						['key' => 'agreement', 'title' => '提现协议', 'fields' => [
+							['key' => 'pay_rebate_withdraw_text_details', 'label' => '提现协议', 'type' => 'textarea', 'sanitize_type' => 'html', 'default' => '<div>可提现金额达到50元后即可发起提现</div><div>申请提现需后台人工处理，一般2-3小时，请耐心等待</div><div>如有其它疑问，请与客服联系</div>', 'rows' => 4, 'help' => '用户申请提现时展示的内容，建议为提现须知等，支持HTML代码'],
+						]],
+					],
+				],
+			],
+		];
+	}
+
+	/**
+	 * PayPal / Stripe 结算货币选项（参考主题同款 26 种）。
+	 *
+	 * @return array<int,array{label:string,value:string}>
+	 */
+	private static function currency_options(): array {
+		$currencies = [
+			'AUD' => '澳元 (AUD)',
+			'BRL' => '巴西雷亚尔 (BRL)',
+			'CAD' => '加拿大元 (CAD)',
+			'CNY' => '人民币 (CNY)',
+			'CZK' => '克朗 (CZK)',
+			'DKK' => '丹麦克朗 (DKK)',
+			'EUR' => '欧元 (EUR)',
+			'HKD' => '港币 (HKD)',
+			'HUF' => '匈牙利福林 (HUF)',
+			'INR' => '印度卢比 (INR)',
+			'ILS' => '以色列新谢克尔 (ILS)',
+			'JPY' => '日元 (JPY)',
+			'MYR' => '马来西亚林吉特 (MYR)',
+			'MXN' => '墨西哥比索 (MXN)',
+			'TWD' => '新台币 (TWD)',
+			'NZD' => '新西兰元 (NZD)',
+			'NOK' => '挪威克朗 (NOK)',
+			'PHP' => '菲律宾比索 (PHP)',
+			'PLN' => '波兰兹罗提 (PLN)',
+			'GBP' => '英镑 (GBP)',
+			'RUB' => '俄罗斯卢布 (RUB)',
+			'SGD' => '新加坡元 (SGD)',
+			'SEK' => '瑞典克朗 (SEK)',
+			'CHF' => '瑞士法郎 (CHF)',
+			'THB' => '泰铢 (THB)',
+			'USD' => '美元 (USD)',
+		];
+		$options = [];
+		foreach ($currencies as $code => $label) {
+			$options[] = ['label' => $label, 'value' => $code];
+		}
+		return $options;
+	}
 }
diff --git a/src/Admin/SchemaProvider.php b/src/Admin/SchemaProvider.php
index ebdd5aa3..a761fb74 100644
--- a/src/Admin/SchemaProvider.php
+++ b/src/Admin/SchemaProvider.php
@@ -192,7 +192,7 @@ class SchemaProvider {
                     continue;
                 }
 
-				if (in_array($type, ['fieldset', 'accordion', 'sortable', 'link'], true) && !is_array($value)) {
+				if (in_array($type, ['fieldset', 'accordion', 'sortable', 'link', 'between_number'], true) && !is_array($value)) {
 					$errors[] = sprintf('%s must be an object', $field['label'] ?? $key);
 					continue;
 				}
@@ -732,23 +732,46 @@ class SchemaProvider {
                 continue;
             }
             foreach ($group['fields'] ?? [] as $field) {
-                if (!is_array($field) || empty($field['key'])) {
-                    continue;
-                }
-                // UI-only controls never become persisted settings keys.
-				if (!empty($field['ui_only'])) {
-					continue;
-				}
-                // Notice/help-only rows are UI chrome, not stored settings keys.
-                if (($field['type'] ?? '') === 'notice') {
-                    continue;
-                }
-                $fields[] = $field;
+                $fields = array_merge($fields, $this->collect_persisted_fields(is_array($field) ? $field : []));
             }
         }
         return $fields;
     }
 
+    /**
+     * Flatten one field definition into persisted keys. Tabbed is a UI-only
+     * container: its sub-fields are flat top-level option keys, so they are
+     * expanded into the persisted field list (notice / ui_only rows skipped).
+     *
+     * @return array<int,array<string,mixed>>
+     */
+    private function collect_persisted_fields(array $field): array {
+        if (($field['type'] ?? '') === 'tabbed') {
+            $fields = [];
+            foreach ((array) ($field['tabs'] ?? []) as $tab) {
+                if (!is_array($tab)) {
+                    continue;
+                }
+                foreach ((array) ($tab['fields'] ?? []) as $sub) {
+                    $fields = array_merge($fields, $this->collect_persisted_fields(is_array($sub) ? $sub : []));
+                }
+            }
+            return $fields;
+        }
+        if (empty($field['key'])) {
+            return [];
+        }
+        // UI-only controls never become persisted settings keys.
+        if (!empty($field['ui_only'])) {
+            return [];
+        }
+        // Notice/help-only rows are UI chrome, not stored settings keys.
+        if (($field['type'] ?? '') === 'notice') {
+            return [];
+        }
+        return [$field];
+    }
+
 	/**
 	 * Normalize legacy numeric money settings without accepting lossy precision.
 	 *
@@ -848,6 +871,17 @@ class SchemaProvider {
 			return $this->sanitize_object_fields($value, (array) ($field['fields'] ?? []));
 		}
 
+		if ($type === 'between_number') {
+			$defaults = is_array($field['default'] ?? null) ? $field['default'] : ['min' => 0, 'max' => 0];
+			if (!is_array($value)) {
+				return ['min' => (int) ($defaults['min'] ?? 0), 'max' => (int) ($defaults['max'] ?? 0)];
+			}
+			return [
+				'min' => is_numeric($value['min'] ?? null) ? (int) $value['min'] : (int) ($defaults['min'] ?? 0),
+				'max' => is_numeric($value['max'] ?? null) ? (int) $value['max'] : (int) ($defaults['max'] ?? 0),
+			];
+		}
+
 		if (in_array($type, ['group', 'repeater'], true)) {
 			if (!is_array($value)) {
 				return [];
@@ -1006,6 +1040,8 @@ class SchemaProvider {
 			'accordion'=> 'array',
 			'sortable' => 'array',
 			'link'     => 'array',
+			'between_number' => 'array',
+			'page_select' => 'int',
 			'async_select' => 'array',
             'json'     => 'array',
             // 自定义面板（验证码服务商等）按对象存储
diff --git a/src/Core/ScriptsPart1c.php b/src/Core/ScriptsPart1c.php
index 485a315d..300d95f5 100644
--- a/src/Core/ScriptsPart1c.php
+++ b/src/Core/ScriptsPart1c.php
@@ -179,8 +179,13 @@ trait ScriptsPart1c {
 				'www'                   => home_url('/'),
 				'uri'                   => $runtime_uri,
 				'ver'                   => $runtime_version,
-				'pay_mark'              => '￥',
-				'pay_currency_unit'     => __('元', 'aksrt'),
+				// 货币符号 / 单位来自「收款接口」页配置（pay_currency_mark / pay_currency_unit）。
+				'pay_mark'              => class_exists('\AKSRT\Settings\Settings') && class_exists('\AKSRT\Settings\PaymentRuntime')
+					? \AKSRT\Settings\PaymentRuntime::get_paid_content_settings()['display']['currency_symbol']
+					: '￥',
+				'pay_currency_unit'     => class_exists('\AKSRT\Settings\Settings') && class_exists('\AKSRT\Settings\PaymentRuntime')
+					? \AKSRT\Settings\PaymentRuntime::get_paid_content_settings()['display']['currency_unit']
+					: __('元', 'aksrt'),
 				'imgbox'                => $lightbox_on,
 				'imgbox_type'           => 'group',
 				'imgbox_thumbs'         => $lightbox_on && (!isset($post_page_settings['lightbox_thumbs']) || !empty($post_page_settings['lightbox_thumbs'])),
diff --git a/src/Payment/CommissionLedger.php b/src/Payment/CommissionLedger.php
index 4b4c188e..09c7c5a3 100644
--- a/src/Payment/CommissionLedger.php
+++ b/src/Payment/CommissionLedger.php
@@ -47,7 +47,6 @@ final class CommissionLedger {
         $map = ['vip' => 'membership', 'resource' => 'content'];
         $order_type = $map[$type] ?? $type;
         $settings = \AKSRT\Settings\Settings::get_affiliate_settings();
-        if (!in_array($order_type, (array) $settings['order_types'], true)) return 0;
         $order_no = sanitize_text_field((string) ($order['order_number'] ?? ''));
         $buyer = (int) ($order['user_id'] ?? 0);
 		try {
@@ -58,6 +57,9 @@ final class CommissionLedger {
 		if ($order_no === '' || $buyer <= 0 || $amount->minor() <= 0) return 0;
         $promoter = ReferralAttribution::get_instance()->resolve($buyer);
         if ($promoter <= 0) return 0;
+        // 返佣订单类型按推广者会员等级分档（参考主题：每档独立勾选）。
+        $promoter_level = function_exists('aksrt_get_user_vip_level') ? (int) aksrt_get_user_vip_level($promoter) : 0;
+        if (!in_array($order_type, \AKSRT\Settings\PaymentRuntime::affiliate_order_types_for_level($promoter_level), true)) return 0;
 		$ratio = \AKSRT\Settings\PaymentRuntime::affiliate_ratio_for_user($promoter);
 		$commission_minor = (intdiv($amount->minor(), 100) * $ratio)
 			+ intdiv((($amount->minor() % 100) * $ratio) + 50, 100);
diff --git a/src/Payment/Gateway.php b/src/Payment/Gateway.php
index 4abf0609..6382f6bb 100644
--- a/src/Payment/Gateway.php
+++ b/src/Payment/Gateway.php
@@ -45,7 +45,7 @@ class Gateway {
     }
 
     /**
-     * 获取可用网关列表（已配置的）
+     * 获取可用网关列表（已配置的），按「收款接口显示顺序」配置排序。
      */
     public function get_available(): array {
         $available = [];
@@ -54,7 +54,48 @@ class Gateway {
                 $available[$id] = $gateway;
             }
         }
-        return $available;
+        return $this->apply_sdk_order($available);
+    }
+
+    /**
+     * 按 pay_sdk_order（收款接口显示顺序）重排可用网关。
+     * 易支付子通道跟随对应渠道槽位（epay_wxpay 跟随 wechat、epay_alipay 跟随 alipay）；
+     * 未配置顺序时保持注册顺序，未纳入槽位的扩展网关保持在末尾。
+     *
+     * @param array<string,GatewayInterface> $available
+     * @return array<string,GatewayInterface>
+     */
+    private function apply_sdk_order(array $available): array {
+        $settings = \AKSRT\Settings\Settings::get_all();
+        $configured = (array) ($settings['pay_sdk_order'] ?? []);
+        $order = array_values(array_filter(array_map('sanitize_key', array_keys($configured))));
+        if (!$order) {
+            return $available;
+        }
+
+        $slot_map = [
+            'wechat'    => ['wechatpay', 'epay_wxpay'],
+            'alipay'    => ['alipay', 'epay_alipay'],
+            'paypal'    => ['paypal'],
+            'stripe'    => ['stripe'],
+            'balance'   => ['balance'],
+            'card_pass' => ['card_pass'],
+        ];
+
+        $sorted = [];
+        foreach ($order as $slot) {
+            foreach (($slot_map[$slot] ?? []) as $id) {
+                if (isset($available[$id]) && !isset($sorted[$id])) {
+                    $sorted[$id] = $available[$id];
+                }
+            }
+        }
+        foreach ($available as $id => $gateway) {
+            if (!isset($sorted[$id])) {
+                $sorted[$id] = $gateway;
+            }
+        }
+        return $sorted;
     }
 
     /**
@@ -311,7 +352,7 @@ class Gateway {
         }
 
         $gateway_id = sanitize_key((string) ($order['payment_method'] ?? ''));
-        if ($gateway_id === '' || in_array($gateway_id, ['balance', 'points', 'manual_review'], true)) {
+        if ($gateway_id === '' || in_array($gateway_id, ['balance', 'points'], true)) {
             return null;
         }
         $gateway = $this->get_gateway($gateway_id);
diff --git a/src/Payment/UserOrders.php b/src/Payment/UserOrders.php
index b4211273..2a62688b 100644
--- a/src/Payment/UserOrders.php
+++ b/src/Payment/UserOrders.php
@@ -186,7 +186,7 @@ class UserOrders {
         $image = $this->resolve_image($meta, $product_id);
         $group = $this->status_group($status);
         $payment_method = sanitize_key((string) ($order['payment_method'] ?? ''));
-        $can_pay = $group === OrderCenterQuery::STATUS_PENDING && $payment_method !== 'manual_review';
+        $can_pay = $group === OrderCenterQuery::STATUS_PENDING;
         $can_cancel = $group === OrderCenterQuery::STATUS_PENDING;
         $order_number = (string) ($order['order_number'] ?? '');
         $updated_at = $this->resolve_updated_at($order);
diff --git a/src/Settings/CreditsPaymentGroups.php b/src/Settings/CreditsPaymentGroups.php
index 2e193edb..f555f4c8 100644
--- a/src/Settings/CreditsPaymentGroups.php
+++ b/src/Settings/CreditsPaymentGroups.php
@@ -160,7 +160,7 @@ trait CreditsPaymentGroups {
     public static function get_settlement_settings(): array { return PaymentRuntime::get_settlement_settings(); }
 
     /**
-     * @return array{mode:string,test_enabled:bool,manual_review:bool,callback_secret:string,help_text:string}
+     * @return array<string,mixed>
      */
     public static function get_payment_gateway_settings(): array {
         return PaymentRuntime::get_payment_gateway_settings();
@@ -169,7 +169,7 @@ trait CreditsPaymentGroups {
     /**
      * 获取订单设置
      *
-     * @return array{prefix:string,flow_prefix:string,withdrawal_prefix:string,expiry:int,show_user:bool,show_paycount:bool,no_logged_in:bool,cookie_day:int,no_logged_remind:bool,wait_float:bool,order_max_minutes:int,mark:string,box_position:string,show_ip:bool,show_device:bool,show_order_no:bool,show_create_time:bool,show_pay_time:bool,status_texts:array,service:array}
+     * @return array{prefix:string,flow_prefix:string,withdrawal_prefix:string,expiry:int,show_user:bool,show_paycount:bool,no_logged_in:bool,cookie_day:int,no_logged_remind:bool,wait_float:bool,mark:string,box_position:string,show_ip:bool,show_device:bool,show_order_no:bool,show_create_time:bool,show_pay_time:bool,status_texts:array,service:array}
      */
     public static function get_order_settings(): array {
         return PaymentRuntime::get_order_settings();
diff --git a/src/Settings/PaymentRuntime.php b/src/Settings/PaymentRuntime.php
index 1961dc81..1cc3fb42 100644
--- a/src/Settings/PaymentRuntime.php
+++ b/src/Settings/PaymentRuntime.php
@@ -34,27 +34,29 @@ class PaymentRuntime {
             'catalog_note'         => '',
             'manual_delivery_note' => __('付费或人工确认内容请在订单备注中记录交付方式。', 'aksrt'),
             'no_logged_in'         => !isset($settings['pay_no_logged_in']) || !empty($settings['pay_no_logged_in']),
-            'down_alone_page'      => false,
+            'free_logged_show'     => !isset($settings['pay_free_logged_show']) || !empty($settings['pay_free_logged_show']),
+            'down_alone_page'      => !empty($settings['down_alone_page']),
             'display'              => [
                 'mark'            => sanitize_text_field((string) ($settings['pay_mark'] ?? '付费')),
-                'currency_symbol' => '￥',
+                'currency_symbol' => sanitize_text_field((string) ($settings['pay_currency_mark'] ?? '￥')),
+                'currency_unit'   => sanitize_text_field((string) ($settings['pay_currency_unit'] ?? '元')),
                 'show_user'       => !isset($settings['pay_show_user']) || !empty($settings['pay_show_user']),
                 'show_paycount'   => !isset($settings['pay_show_paycount']) || !empty($settings['pay_show_paycount']),
                 'box_position'    => $box_position,
             ],
             'download'             => [
                 'enabled'      => true,
-                'remote'       => true,
-                'verify_nonce' => true,
-                'user_log'     => 50,
-                'post_log'     => 50,
-                'remote_size'  => 2048,
-                'remote_ext'   => 'zip,rar,7z',
-                'alone_page'   => false,
+                'remote'       => !isset($settings['down_remote_to_local_s']) || !empty($settings['down_remote_to_local_s']),
+                'verify_nonce' => !isset($settings['down_verify_nonce']) || !empty($settings['down_verify_nonce']),
+                'user_log'     => max(0, (int) ($settings['down_user_log'] ?? 50)),
+                'post_log'     => max(0, (int) ($settings['down_post_log'] ?? 50)),
+                'remote_size'  => max(0, (int) ($settings['down_remote_to_local_size'] ?? 2048)),
+                'remote_ext'   => sanitize_text_field((string) ($settings['down_remote_to_local_ext'] ?? 'zip,rar,7z')),
+                'alone_page'   => !empty($settings['down_alone_page']),
             ],
-            // 内容收银台优惠码：不再提供全局开关，默认关闭。
-            'coupon_post_s'        => false,
-            'coupon_desc'          => '',
+            // 内容收银台优惠码：全局开关 + 默认说明。
+            'coupon_post_s'        => !empty($settings['coupon_post_s']),
+            'coupon_desc'          => sanitize_textarea_field((string) ($settings['coupon_desc'] ?? '')),
         ];
     }
 
@@ -87,6 +89,7 @@ class PaymentRuntime {
 
         return [
             'enabled'         => !empty($settings['pay_balance_s']),
+            'withdraw_enabled' => !empty($settings['pay_balance_withdraw_s']),
             'desc'            => $desc,
             'packages_raw'    => $packages,
             'package_count'   => self::count_structured_lines($packages),
@@ -279,28 +282,64 @@ class PaymentRuntime {
     }
 
     /**
+     * Affiliate policy. Layout follows the reference theme: one rebate rule
+     * set per user tier (pay_rebate_user_s / _1 / _2 + pay_rebate_ratio*).
+     *
      * @return array<string,mixed>
      */
     public static function get_payment_affiliate_settings(): array {
         $settings = Settings::get_all();
 		$clamp_ratio = static fn($value): int => max(0, min(100, (int) $value));
-        $types = (array) ($settings['affiliate_order_types'] ?? ['membership', 'content']);
-        $types = array_values(array_intersect(['membership', 'content', 'credits'], array_map('sanitize_key', $types)));
-        if (!$types) { $types = ['membership', 'content']; }
+
+        $resolve_types = static function (array $types): array {
+            $types = array_values(array_intersect(['all', 'membership', 'content', 'credits'], array_map('sanitize_key', $types)));
+            // 「全部订单」展开为全部可返佣订单类型。
+            if (in_array('all', $types, true)) {
+                return ['membership', 'content', 'credits'];
+            }
+            return $types;
+        };
+
+        $types_by_level = [
+            0 => $resolve_types((array) ($settings['pay_rebate_user_s'] ?? [])),
+            1 => $resolve_types((array) ($settings['pay_rebate_user_s_1'] ?? ['all'])),
+            2 => $resolve_types((array) ($settings['pay_rebate_user_s_2'] ?? ['all'])),
+        ];
+
+        $judgment = sanitize_key((string) ($settings['pay_rebate_judgment'] ?? 'all'));
+        if (!in_array($judgment, ['all', 'link'], true)) {
+            $judgment = 'all';
+        }
+
         return [
-            'enabled' => !empty($settings['affiliate_enabled']),
+            'enabled' => !empty($settings['pay_rebate_s']),
+            'judgment' => $judgment,
+            'show_users' => !isset($settings['pay_rebate_show_users']) || !empty($settings['pay_rebate_show_users']),
+            'self_rebate' => !isset($settings['pay_rebate_self_s']) || !empty($settings['pay_rebate_self_s']),
             'ratios' => [
-                'user' => $clamp_ratio($settings['affiliate_ratio_user'] ?? 5),
-                'vip_1' => $clamp_ratio($settings['affiliate_ratio_vip_1'] ?? 5),
-                'vip_2' => $clamp_ratio($settings['affiliate_ratio_vip_2'] ?? 5),
+                'user' => $clamp_ratio($settings['pay_rebate_ratio'] ?? 5),
+                'vip_1' => $clamp_ratio($settings['pay_rebate_ratio_vip_1'] ?? 10),
+                'vip_2' => $clamp_ratio($settings['pay_rebate_ratio_vip_2'] ?? 20),
             ],
-            'order_types' => $types,
+            'order_types' => $types_by_level[0],
+            'order_types_by_level' => $types_by_level,
             'window_days' => (int) CreditsRuntime::get_referral_settings()['window_days'],
             'settlement_days' => max(0, min(90, (int) ($settings['affiliate_settlement_days'] ?? 7))),
-            'promotion_text' => sanitize_textarea_field((string) ($settings['affiliate_promotion_text'] ?? '')),
+            'promotion_text' => sanitize_textarea_field((string) ($settings['pay_rebate_text_details'] ?? '')),
         ];
     }
 
+    /**
+     * 某等级推广者可获返佣的订单类型；空数组代表该等级用户不参与推广返佣。
+     *
+     * @return array<int,string>
+     */
+    public static function affiliate_order_types_for_level(int $level): array {
+        $settings = self::get_payment_affiliate_settings();
+        $key = $level >= 2 ? 2 : ($level >= 1 ? 1 : 0);
+        return (array) ($settings['order_types_by_level'][$key] ?? []);
+    }
+
     public static function affiliate_enabled(): bool { return !empty(self::get_payment_affiliate_settings()['enabled']); }
 	public static function affiliate_ratio_for_user(int $user_id): int {
         $level = function_exists('aksrt_get_user_vip_level') ? (int) aksrt_get_user_vip_level($user_id) : 0;
@@ -318,26 +357,55 @@ class PaymentRuntime {
     }
 
     /**
+     * Gateway channel selection. WeChat / Alipay each pick between the
+     * official SDK and 易支付; PayPal / Stripe are standalone toggles.
+     *
      * @return array<string,mixed>
      */
     public static function get_payment_gateway_settings(): array {
         $settings = Settings::get_all();
-        $gateway_keys = ['wechat', 'alipay', 'paypal', 'stripe', 'balance', 'card_pass', 'epay'];
-        $gateways = [];
-        foreach ($gateway_keys as $gw) {
-            $gateways[$gw] = !empty($settings["payment_{$gw}_enabled"]);
+
+        $wechat = sanitize_key((string) ($settings['pay_wechat_sdk_options'] ?? 'null'));
+        if (!in_array($wechat, ['official_wechat', 'epay', 'null'], true)) {
+            $wechat = 'null';
         }
+        $alipay = sanitize_key((string) ($settings['pay_alipay_sdk_options'] ?? 'null'));
+        if (!in_array($alipay, ['official_alipay', 'epay', 'null'], true)) {
+            $alipay = 'null';
+        }
+        $paypal_enabled = !empty($settings['pay_paypal_sdk_s']);
+        $stripe_enabled = !empty($settings['pay_stripe_sdk_s']);
+        $balance_enabled = !empty($settings['pay_balance_s']);
+        $card_pass_enabled = !empty($settings['pay_balance_pass_charge_s']);
 
         return [
-            'help_text' => __('以渠道开关与凭据是否齐全为准；异步回调由各网关验签。卡密为兑换入口，不进入收银台。', 'aksrt'),
-            'gateways'  => $gateways,
-            'epay'      => [
-                'apiurl'          => esc_url_raw((string) ($settings['epay_apiurl'] ?? '')),
-                'pid'             => sanitize_text_field((string) ($settings['epay_pid'] ?? '')),
-                'key'             => sanitize_text_field((string) ($settings['epay_key'] ?? '')),
-                'channel_alipay'  => !array_key_exists('epay_channel_alipay', $settings) || !empty($settings['epay_channel_alipay']),
-                'channel_wxpay'   => !array_key_exists('epay_channel_wxpay', $settings) || !empty($settings['epay_channel_wxpay']),
-                'device'          => sanitize_key((string) ($settings['epay_device'] ?? 'auto')),
+            'help_text' => __('微信 / 支付宝可在官方与易支付之间选择；PayPal、Stripe 独立开关。异步回调由各网关验签。', 'aksrt'),
+            'wechat_sdk_options' => $wechat,
+            'alipay_sdk_options' => $alipay,
+            'paypal_enabled'     => $paypal_enabled,
+            'stripe_enabled'     => $stripe_enabled,
+            'balance_enabled'    => $balance_enabled,
+            'card_pass_enabled'  => $card_pass_enabled,
+            'gateways'           => [
+                'wechat'    => $wechat === 'official_wechat',
+                'alipay'    => $alipay === 'official_alipay',
+                'paypal'    => $paypal_enabled,
+                'stripe'    => $stripe_enabled,
+                'balance'   => $balance_enabled,
+                'card_pass' => $card_pass_enabled,
+                'epay'      => $wechat === 'epay' || $alipay === 'epay',
+            ],
+            'currency'      => [
+                'mark' => sanitize_text_field((string) ($settings['pay_currency_mark'] ?? '￥')),
+                'unit' => sanitize_text_field((string) ($settings['pay_currency_unit'] ?? '元')),
+            ],
+            'custom_title_s' => !empty($settings['pay_sdk_custom_title_s']),
+            'custom_title'   => sanitize_text_field((string) ($settings['pay_sdk_custom_title'] ?? '')),
+            'epay'           => [
+                'apiurl' => esc_url_raw((string) ($settings['epay_apiurl'] ?? '')),
+                'pid'    => sanitize_text_field((string) ($settings['epay_pid'] ?? '')),
+                'key'    => sanitize_text_field((string) ($settings['epay_key'] ?? '')),
+                'device' => sanitize_key((string) ($settings['epay_device'] ?? 'auto')),
             ],
         ];
     }
@@ -352,7 +420,6 @@ class PaymentRuntime {
 
         $expiry = max(5, min(1440, (int) ($s['payment_order_expiry'] ?? 30)));
         $cookie_day = max(1, min(31, (int) ($s['pay_cookie_day'] ?? 15)));
-        $max_minutes = max(5, min(1440, (int) ($s['payment_order_max_minutes'] ?? 30)));
 
         $box_position = sanitize_key((string) ($s['pay_box_position'] ?? 'top'));
         if (!in_array($box_position, ['box_top', 'top', 'bottom', 'box_bottom'], true)) {
@@ -378,7 +445,6 @@ class PaymentRuntime {
             'cookie_day'        => $cookie_day,
             'no_logged_remind'  => sanitize_textarea_field((string) ($s['pay_no_logged_remind'] ?? '')),
             'wait_float'        => !isset($s['pay_wait_float_s']) || !empty($s['pay_wait_float_s']),
-            'order_max_minutes' => $max_minutes,
             'mark'              => sanitize_text_field((string) ($s['pay_mark'] ?? '付费')),
             'box_position'      => $box_position,
             'show_ip'           => !empty($s['payment_show_ip']),
@@ -387,13 +453,39 @@ class PaymentRuntime {
             'show_create_time'  => !isset($s['payment_show_create_time']) || !empty($s['payment_show_create_time']),
             'show_pay_time'     => !isset($s['payment_show_pay_time']) || !empty($s['payment_show_pay_time']),
             'status_texts'      => $status_texts,
-            'service'           => [
-                'text'   => sanitize_textarea_field((string) ($s['pay_service'] ?? '')),
-                'icon'   => sanitize_text_field((string) ($s['pay_service_icon'] ?? '')),
-                'value'  => sanitize_text_field((string) ($s['pay_service_value'] ?? '')),
-                'qq'     => sanitize_text_field((string) ($s['pay_service_qq'] ?? '')),
-                'wechat' => esc_url_raw((string) ($s['pay_service_wechat'] ?? '')),
-            ],
+            'service'           => self::format_service_items((array) ($s['pay_service'] ?? [])),
+        ];
+    }
+
+    /**
+     * 客户服务：参考主题为 {value, icon} 数组；首项同时回填旧单值键，兼容既有消费方。
+     *
+     * @param array<int,mixed> $items
+     * @return array<string,mixed>
+     */
+    private static function format_service_items(array $items): array {
+        $clean = [];
+        foreach ($items as $row) {
+            if (!is_array($row)) {
+                continue;
+            }
+            $value = sanitize_textarea_field((string) ($row['value'] ?? ''));
+            if ($value === '') {
+                continue;
+            }
+            $clean[] = [
+                'value' => $value,
+                'icon'  => sanitize_text_field((string) ($row['icon'] ?? '')),
+            ];
+        }
+        $first = $clean[0] ?? [];
+        return [
+            'items'  => $clean,
+            'text'   => (string) ($first['value'] ?? ''),
+            'icon'   => (string) ($first['icon'] ?? ''),
+            'value'  => (string) ($first['value'] ?? ''),
+            'qq'     => '',
+            'wechat' => '',
         ];
     }
 
@@ -462,48 +554,43 @@ class PaymentRuntime {
 
     /**
      * Whether a registered adapter is admin-enabled.
-     * Maps gateway ids (wechatpay) to schema toggles (payment_wechat_enabled).
+     * Gateway ids (wechatpay) map to the reference-theme channel selectors:
+     * pay_wechat_sdk_options / pay_alipay_sdk_options / pay_paypal_sdk_s / pay_stripe_sdk_s.
      */
     public static function is_gateway_enabled(string $gateway_id): bool {
         $settings = Settings::get_all();
         $gateway_id = sanitize_key($gateway_id);
-        $map = [
-            'alipay'      => 'payment_alipay_enabled',
-            'wechatpay'   => 'payment_wechat_enabled',
-            'paypal'      => 'payment_paypal_enabled',
-            'stripe'      => 'payment_stripe_enabled',
-            'balance'     => 'payment_balance_enabled',
-            'card_pass'   => 'payment_card_pass_enabled',
-            'epay'        => 'payment_epay_enabled',
-            'epay_alipay' => 'payment_epay_enabled',
-            'epay_wxpay'  => 'payment_epay_enabled',
-        ];
-        $key = $map[$gateway_id] ?? '';
-        if ($key === '') {
-            return false;
+
+        $wechat = sanitize_key((string) ($settings['pay_wechat_sdk_options'] ?? 'null'));
+        if (!in_array($wechat, ['official_wechat', 'epay', 'null'], true)) {
+            $wechat = 'null';
         }
-        if ($gateway_id === 'balance') {
-            // Master: 余额充值 → 启用余额功能. Optional kill-switch: payment_balance_enabled=false.
-            // Missing key (legacy sites) follows pay_balance_s so "open wallet" alone enables pay.
-            if (empty($settings['pay_balance_s'])) {
-                return false;
-            }
-            if (array_key_exists('payment_balance_enabled', $settings) && empty($settings['payment_balance_enabled'])) {
-                return false;
-            }
-            return true;
+        $alipay = sanitize_key((string) ($settings['pay_alipay_sdk_options'] ?? 'null'));
+        if (!in_array($alipay, ['official_alipay', 'epay', 'null'], true)) {
+            $alipay = 'null';
         }
-        if (empty($settings[$key])) {
-            return false;
+
+        switch ($gateway_id) {
+            case 'alipay':
+                return $alipay === 'official_alipay';
+            case 'wechatpay':
+                return $wechat === 'official_wechat';
+            case 'paypal':
+                return !empty($settings['pay_paypal_sdk_s']);
+            case 'stripe':
+                return !empty($settings['pay_stripe_sdk_s']);
+            case 'balance':
+                return !empty($settings['pay_balance_s']);
+            case 'card_pass':
+                return !empty($settings['pay_balance_pass_charge_s']);
+            case 'epay':
+                return $wechat === 'epay' || $alipay === 'epay';
+            case 'epay_alipay':
+                return $alipay === 'epay';
+            case 'epay_wxpay':
+                return $wechat === 'epay';
         }
-        // Epay sub-channels require the matching channel switch (default on when key missing).
-        if ($gateway_id === 'epay_alipay') {
-            return !array_key_exists('epay_channel_alipay', $settings) || !empty($settings['epay_channel_alipay']);
-        }
-        if ($gateway_id === 'epay_wxpay') {
-            return !array_key_exists('epay_channel_wxpay', $settings) || !empty($settings['epay_channel_wxpay']);
-        }
-        return true;
+        return false;
     }
 
     private static function count_structured_lines(string $raw): int {
@@ -530,6 +617,9 @@ class PaymentRuntime {
 	}
 
     /**
+     * Format recharge product rows (reference-theme group shape:
+     * price 充值金额 / pay_price 销售金额 / tag 小标签) into "支付|到账|标题" lines.
+     *
      * @param array<int,mixed> $products
      */
     private static function format_product_lines(array $products): string {
@@ -538,10 +628,11 @@ class PaymentRuntime {
             if (!is_array($row)) {
                 continue;
             }
-            $price = $row['pay_price'] ?? $row['price'] ?? '';
-            $value = $row['value'] ?? $row['balance'] ?? $price;
-            $title = $row['title'] ?? $row['name'] ?? '';
-            $lines[] = $price . '|' . $value . '|' . $title;
+            $price = max(0, (float) ($row['price'] ?? 0));
+            $pay_price = max(0, (float) ($row['pay_price'] ?? 0));
+            $pay = $pay_price > 0 ? $pay_price : $price;
+            $title = trim((string) ($row['tag'] ?? ''));
+            $lines[] = $pay . '|' . $price . '|' . $title;
         }
         return implode("\n", $lines);
     }
diff --git a/tests/widget-system/asset-ledger-contract.test.cjs b/tests/widget-system/asset-ledger-contract.test.cjs
index 3418e9c7..9f0b3959 100644
--- a/tests/widget-system/asset-ledger-contract.test.cjs
+++ b/tests/widget-system/asset-ledger-contract.test.cjs
@@ -226,7 +226,7 @@ test('asset purchases share the order center and refresh every wallet surface',
   const adminRepository = fs.readFileSync(path.join(root, 'src', 'Payment', 'OrderRepositoryAdmin.php'), 'utf8')
   const payOrders = fs.readFileSync(path.join(root, 'src', 'Admin', 'Native', 'PayOrders.php'), 'utf8')
   const paymentRuntime = fs.readFileSync(path.join(root, 'src', 'Settings', 'PaymentRuntime.php'), 'utf8')
-  const paymentSchema = fs.readFileSync(path.join(root, 'assets', 'admin', 'src', 'schema', 'sections', 'payment', 'order.js'), 'utf8')
+  const paymentSchema = fs.readFileSync(path.join(root, 'assets', 'admin', 'src', 'schema', 'sections', 'payment', 'knowledge.js'), 'utf8')
   const balanceRest = fs.readFileSync(path.join(root, 'src', 'Credits', 'BalanceServiceRest.php'), 'utf8')
   const chargeCard = fs.readFileSync(path.join(root, 'src', 'Payment', 'ChargeCard.php'), 'utf8')
   const creditsJs = fs.readFileSync(path.join(root, 'assets', 'js', 'credits.js'), 'utf8')
diff --git a/tests/widget-system/financial-flow-contract.test.cjs b/tests/widget-system/financial-flow-contract.test.cjs
index 916f4d60..d21b1ecf 100644
--- a/tests/widget-system/financial-flow-contract.test.cjs
+++ b/tests/widget-system/financial-flow-contract.test.cjs
@@ -15,7 +15,7 @@ test('financial flow and withdrawal numbers use the new-only schema', () => {
 })
 
 test('order settings expose strict flow and withdrawal prefixes', () => {
-  const schema = read('assets/admin/src/schema/sections/payment/order.js')
+  const schema = read('assets/admin/src/schema/sections/payment/gateway.js')
   const provider = read('src/Admin/SchemaProvider.php')
   assert.match(schema, /key:\s*'payment_flow_prefix'[^{\n]*sanitize_type:\s*'business_prefix'[^{\n]*default:\s*'AK'/)
   assert.match(schema, /key:\s*'payment_withdrawal_prefix'[^{\n]*sanitize_type:\s*'business_prefix'[^{\n]*default:\s*'TX'/)