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/Credits/BalanceServiceCharge.php

@@ -146,6 +146,21 @@ trait BalanceServiceCharge {
 				$methods[] = is_array($m) ? $m : ['id' => $id, 'name' => $id];
 			}
 		}
+		// 卡密支付渠道：受「启用卡密兑换余额功能」开关控制（开关内部已含收款接口主开关）。
+		$pass_charge = is_array($cfg['pass_charge'] ?? null) ? $cfg['pass_charge'] : [];
+		$card_pass_on = false;
+		if (class_exists('\AKSRT\Payment\ChargeCard')) {
+			$card_opts = \AKSRT\Payment\ChargeCard::get_instance()->get_public_options();
+			$card_pass_on = !empty($card_opts['balance']['enabled']);
+			$pass_charge = [
+				'balance' => is_array($card_opts['balance'] ?? null) ? $card_opts['balance'] : $pass_charge,
+				'credits' => is_array($card_opts['credits'] ?? null) ? $card_opts['credits'] : [],
+				'vip'     => is_array($card_opts['vip'] ?? null) ? $card_opts['vip'] : [],
+			];
+		}
+		if ($card_pass_on) {
+			$methods[] = ['id' => 'card_pass', 'name' => __('卡密', 'aksrt')];
+		}
 		return [
 			'enabled'       => !empty($cfg['enabled']),
 			'desc'          => (string) ($cfg['desc'] ?? ''),
@@ -160,7 +175,7 @@ trait BalanceServiceCharge {
 				'service_charge' => (int) ($cfg['transfer']['service_charge'] ?? 0),
 				'desc'           => (string) ($cfg['transfer']['desc'] ?? ''),
 			],
-			'pass_charge'   => is_array($cfg['pass_charge'] ?? null) ? $cfg['pass_charge'] : [],
+			'pass_charge'   => $pass_charge,
 		];
 	}
 
@@ -206,6 +221,48 @@ trait BalanceServiceCharge {
 
 
 
+	/**
+	 * 积分商品行解析（"积分|支付|标签"，参考主题 pay_points_product 同款结构）。
+	 *
+	 * @return array<int,array{key:string,points:int,pay_price:string,title:string,tag:string}>
+	 */
+	public function parse_points_packages(string $raw): array {
+		$out = [];
+		$lines = preg_split('/\r\n|\r|\n/', $raw) ?: [];
+		$i = 0;
+		foreach ($lines as $line) {
+			$line = trim((string) $line);
+			if ($line === '') {
+				continue;
+			}
+			$parts = array_map('trim', explode('|', $line));
+			if (count($parts) < 2) {
+				continue;
+			}
+			$points = (int) $parts[0];
+			try {
+				$pay = \AKSRT\Ledger\AssetAmount::balance((string) $parts[1]);
+			} catch (\InvalidArgumentException $e) {
+				continue;
+			}
+			if ($points <= 0 || $pay->minor() <= 0) {
+				continue;
+			}
+			$title = $parts[2] ?? '';
+			$out[] = [
+				'key'       => (string) $i,
+				'points'    => $points,
+				'pay_price' => $pay->decimal(),
+				'title'     => $title !== '' ? $title : sprintf(__('购买 %d 积分', 'aksrt'), $points),
+				'tag'       => $title,
+			];
+			$i++;
+		}
+		return $out;
+	}
+
+
+
 	/**
 	 * @return array<string,mixed>|\WP_Error
 	 */