feat(payment): finish Zibll key contract and wire checkout gateways

Drop dual-read payment runtime fallbacks, align PHP schema to Vue keys,
read gateway credentials only from aksrt_settings with enable toggles,
expose configured adapters at checkout, fix credits pay signatures, and
apply order expiry settings. Wire orphan order/card-pass/withdrawal
schema pages; delete unused Payment* wrappers.

assets/admin/src/pages/payment/PaymentAffiliate.vue

@@ -1,16 +0,0 @@
-<template>
-  <PaymentSectionPage
-    section="affiliate"
-    title="推广返佣"
-    desc="配置返佣比例、归因窗口和返佣说明。"
-    note="返佣逻辑复用用户邀请体系作为链路入口，订单归因和结算自动衔接当前策略字段。"
-    :links="[
-      { label: '用户签到/邀请', path: '/users/signin' },
-      { label: '创作分成', path: '/payment/revenue' },
-    ]"
-  />
-</template>
-
-<script setup>
-import PaymentSectionPage from '@/pages/payment/PaymentSectionPage.vue'
-</script>

assets/admin/src/pages/payment/PaymentRecharge.vue

@@ -1,16 +0,0 @@
-<template>
-  <PaymentSectionPage
-    section="recharge"
-    title="余额充值"
-    desc="配置充值模式、套餐结构和帮助文案。"
-    note="当前支持人工确认与测试联调；接入真实网关时复用同一组字段。"
-    :links="[
-      { label: '下载/付费内容中心', path: '/payment/paid' },
-      { label: '收款接口', path: '/payment/gateway' },
-    ]"
-  />
-</template>
-
-<script setup>
-import PaymentSectionPage from '@/pages/payment/PaymentSectionPage.vue'
-</script>

assets/admin/src/pages/payment/PaymentVip.vue

@@ -1,16 +0,0 @@
-<template>
-  <PaymentSectionPage
-    section="vip"
-    title="VIP会员"
-    desc=”配置会员名称、展示徽标和套餐结构。”
-    note=”角色免扣下载的运行逻辑在”下载/付费内容中心”中生效；此处管理会员套餐和权益说明。”
-    :links="[
-      { label: '下载/付费内容中心', path: '/payment/paid' },
-      { label: '创作分成', path: '/payment/revenue' },
-    ]"
-  />
-</template>
-
-<script setup>
-import PaymentSectionPage from '@/pages/payment/PaymentSectionPage.vue'
-</script>