feat(pay): 卡密兑换入口收敛到三个购买弹窗并对齐参考主题

- 移除余额卡片独立「卡密兑换」通用弹窗，兑换入口分布到充值/积分/会员三个弹窗的支付方式中
- 充值弹窗补齐卡密 logo 与仅卡密时的金额选择隐藏逻辑
- 积分购买弹窗 1:1 复刻参考主题 points-pay modal（商品档位/自定义/支付方式/立即支付），REST 改为 product+custom 契约
- 会员弹窗注入卡密渠道：视图模型透传 card_pass，前端渲染卡密盒并直兑 /pay/card-pass/redeem type=vip
- 后台卡密兑换拆分为余额/积分/会员三个独立开关，VIP 段旧会员卡密组清理
- REST type 改为必填（balance/vip/credits），三类型独立闸门
- 测试重写为 card-pass-modal-redeem 契约，321 项全部通过

src/Content/VipServiceModal.php

@@ -64,6 +64,9 @@ trait VipServiceModal {
         }
         $points_exchange = is_array($catalog['points_exchange'] ?? null) ? $catalog['points_exchange'] : [];
         $methods = is_array($catalog['payment_methods'] ?? null) ? $catalog['payment_methods'] : [];
+        $card_pass = is_array($catalog['card_pass'] ?? null)
+            ? array_merge(['enabled' => false, 'desc' => '', 'only_password' => false], $catalog['card_pass'])
+            : ['enabled' => false, 'desc' => '', 'only_password' => false];
         $no_payment_method = $methods === [];
         $action_reasons = [
             'purchase' => $no_payment_method
@@ -124,6 +127,7 @@ trait VipServiceModal {
             ],
             'levels' => $level_view,
             'payment_methods' => $methods,
+            'card_pass' => $card_pass,
             'allowed_actions' => [
                 'purchase' => $package_ids !== [] && $methods !== [],
                 'renew' => $has_renew && $methods !== [],

src/Content/VipServicePackages.php

@@ -517,30 +517,52 @@ trait VipServicePackages {
      * @return array<int, array{id:string,name:string}>
      */
     private function available_payment_methods(): array {
-        if (function_exists('aksrt_list_cash_payment_methods')) {
-            return aksrt_list_cash_payment_methods(true);
-        }
         $methods = [];
-        if (!class_exists('\AKSRT\Payment\Gateway')) {
-            return $methods;
+        if (function_exists('aksrt_list_cash_payment_methods')) {
+            $methods = aksrt_list_cash_payment_methods(true);
+        } else {
+            if (!class_exists('\AKSRT\Payment\Gateway')) {
+                return [];
+            }
+            $gw = \AKSRT\Payment\Gateway::get_instance();
+            foreach (['balance', 'alipay', 'wechatpay', 'paypal', 'stripe', 'epay_alipay', 'epay_wxpay'] as $id) {
+                $g = $gw->get_gateway($id);
+                if (!$g) {
+                    continue;
+                }
+                if (method_exists($g, 'is_configured') && !$g->is_configured()) {
+                    continue;
+                }
+                $methods[] = [
+                    'id' => $id,
+                    'name' => method_exists($g, 'get_name') ? (string) $g->get_name() : $id,
+                ];
+            }
         }
-        $gw = \AKSRT\Payment\Gateway::get_instance();
-        foreach (['balance', 'alipay', 'wechatpay', 'paypal', 'stripe', 'epay_alipay', 'epay_wxpay'] as $id) {
-            $g = $gw->get_gateway($id);
-            if (!$g) {
-                continue;
-            }
-            if (method_exists($g, 'is_configured') && !$g->is_configured()) {
-                continue;
-            }
-            $methods[] = [
-                'id' => $id,
-                'name' => method_exists($g, 'get_name') ? (string) $g->get_name() : $id,
-            ];
+
+        // 卡密兑换会员渠道（后台 会员购买 → 启用卡密兑换会员功能）：
+        // 提交走 /pay/card-pass/redeem type=vip，不创建支付订单。
+        $card_pass = $this->vip_card_pass_context();
+        if (!empty($card_pass['enabled'])) {
+            $methods[] = ['id' => 'card_pass', 'name' => __('卡密', 'aksrt')];
         }
         return $methods;
     }
 
+    /**
+     * 卡密兑换会员渠道上下文（ChargeCard vip 公开选项）。
+     *
+     * @return array{enabled:bool,desc:string,only_password:bool}
+     */
+    private function vip_card_pass_context(): array {
+        $empty = ['enabled' => false, 'desc' => '', 'only_password' => false];
+        if (!class_exists('\AKSRT\Payment\ChargeCard')) {
+            return $empty;
+        }
+        $opts = \AKSRT\Payment\ChargeCard::get_instance()->get_public_options();
+        return is_array($opts['vip'] ?? null) ? array_merge($empty, $opts['vip']) : $empty;
+    }
+
 
 
     private function format_cash_label(string $amount): string {

src/Content/VipServicePurchase.php

@@ -260,6 +260,7 @@ trait VipServicePurchase {
                 'packages' => $points_packages,
             ],
             'payment_methods'    => $methods,
+            'card_pass'          => $this->vip_card_pass_context(),
             'vip_url'            => function_exists('aksrt_get_user_center_tab_url')
                 ? aksrt_get_user_center_tab_url('credits')
                 : (function_exists('aksrt_get_user_center_url') ? aksrt_get_user_center_url() : home_url('/')),
@@ -353,6 +354,10 @@ trait VipServicePurchase {
         if ($payment_method === '') {
             $payment_method = 'balance';
         }
+        // 卡密兑换会员走 /pay/card-pass/redeem（type=vip）直兑，不创建支付订单。
+        if ($payment_method === 'card_pass') {
+            return new \WP_Error('aksrt_card_pass_redeem_required', __('卡密兑换会员请直接输入卡密提交', 'aksrt'), ['status' => 400]);
+        }
 
         $note = wp_json_encode([
             'vip_pay' => 1,