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/schema/sections/payment/affiliate.js

@@ -21,7 +21,6 @@ export const affiliateSchema = {
     pay_rebate_text_details_title: '',
     pay_rebate_text_details: '',
     pay_rebate_text_discount: '',
-    payment_affiliate_note: '返佣链路复用邀请体系，订单归因和结算自动衔接当前策略字段。',
   },
   groups: [
     {

assets/admin/src/schema/sections/payment/index.js

@@ -20,6 +20,7 @@ export const paymentSchemas = {
   affiliate: affiliateSchema,
   gateway: gatewaySchema,
   order: orderSchema,
+  'card-pass': cardPassSchema,
   cardPass: cardPassSchema,
   withdrawal: withdrawalSchema,
 }

assets/admin/src/schema/sections/payment/recharge.js

@@ -2,7 +2,7 @@ export const rechargeSchema = {
   key: 'payment.recharge',
   title: '余额充值',
   icon: 'fas fa-charging-station',
-  description: '配置测试充值、手动确认和充值套餐结构。',
+  description: '配置余额充值套餐、转账与积分兑换。',
   defaults: {
     pay_balance_s: true,
     pay_balance_desc: '',
@@ -31,7 +31,6 @@ export const rechargeSchema = {
       icon: 'fas fa-wallet',
       fields: [
         { key: 'pay_balance_s', label: '启用余额功能', type: 'switch', default: true },
-        { key: 'payment_recharge_mode', label: '充值模式', type: 'radio', default: 'manual_review', options: [{ label: '人工确认', value: 'manual_review' }, { label: '测试网关', value: 'test_gateway' }], dependsOn: { key: 'pay_balance_s', value: true } },
         { key: 'pay_balance_desc', label: '充值说明', type: 'textarea', default: '', dependsOn: { key: 'pay_balance_s', value: true } },
         { key: 'pay_auto_to_balance', label: '自动到账到余额', type: 'switch', default: true, dependsOn: { key: 'pay_balance_s', value: true } },
       ],
@@ -42,7 +41,6 @@ export const rechargeSchema = {
       icon: 'fas fa-box-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: 'payment_recharge_help', label: '帮助文案', type: 'textarea', default: '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。', dependsOn: { key: 'pay_balance_s', value: true } },
       ],
     },
     {