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.

inc/classes/gateways/class-aksrt-alipay-gateway.php

@@ -20,6 +20,10 @@ class AKSRT_Alipay_Gateway implements AKSRT_Payment_Gateway_Interface {
     }
 
     public function is_configured(): bool {
+        if (class_exists('AKSRT_Settings_Payment_Runtime')
+            && !AKSRT_Settings_Payment_Runtime::is_gateway_enabled('alipay')) {
+            return false;
+        }
         $config = $this->get_config();
         return !empty($config['app_id']) && !empty($config['private_key']) && !empty($config['alipay_public_key']);
     }
@@ -165,24 +169,19 @@ class AKSRT_Alipay_Gateway implements AKSRT_Payment_Gateway_Interface {
     }
 
     private function get_config(): array {
-        // 优先从统一设置读取（schema 保存的 key）
-        if (class_exists('AKSRT_Settings')) {
-            $all = AKSRT_Settings::get_all();
-            if (!empty($all['alipay_appid'])) {
-                return [
-                    'app_id'           => $all['alipay_appid'] ?? '',
-                    'private_key'      => $all['alipay_privatekey'] ?? '',
-                    'alipay_public_key' => $all['alipay_publickey'] ?? '',
-                    'return_url'       => $all['alipay_return_url'] ?? '',
-                    'notify_url'       => $all['alipay_notify_url'] ?? '',
-                    'payment_type'     => $all['alipay_payment_type'] ?? 'page',
-                    'sign_type'        => $all['alipay_sign_type'] ?? 'RSA2',
-                ];
-            }
+        if (!class_exists('AKSRT_Settings')) {
+            return [];
         }
-        // 回退到独立 option
-        $settings = get_option('aksrt_payment_alipay', []);
-        return is_array($settings) ? $settings : [];
+        $all = AKSRT_Settings::get_all();
+        return [
+            'app_id'           => (string) ($all['alipay_appid'] ?? ''),
+            'private_key'      => (string) ($all['alipay_privatekey'] ?? ''),
+            'alipay_public_key' => (string) ($all['alipay_publickey'] ?? ''),
+            'return_url'       => (string) ($all['alipay_return_url'] ?? ''),
+            'notify_url'       => (string) ($all['alipay_notify_url'] ?? ''),
+            'payment_type'     => (string) ($all['alipay_payment_type'] ?? 'page'),
+            'sign_type'        => (string) ($all['alipay_sign_type'] ?? 'RSA2'),
+        ];
     }
 
     private function create_sdk(array $config): \Yurun\PaySDK\AlipayApp\SDK {