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/shop/class-aksrt-shop-checkout-service.php

@@ -122,6 +122,12 @@ class AKSRT_Shop_Checkout_Service {
             'discount' => $data['discount'],
         ];
 
+        $expiry_minutes = 30;
+        if (class_exists('AKSRT_Settings')) {
+            $order_settings = AKSRT_Settings::get_order_settings();
+            $expiry_minutes = max(5, min(1440, (int) ($order_settings['expiry'] ?? 30)));
+        }
+
         $order_number = AKSRT_Order_Repository::get_instance()->create([
             'user_id' => $user_id,
             'product_type' => 'shop_product',
@@ -130,7 +136,7 @@ class AKSRT_Shop_Checkout_Service {
             'currency' => 'CNY',
             'status' => AKSRT_Order::STATUS_PENDING,
             'payment_method' => $payment_method,
-            'expires_at' => date('Y-m-d H:i:s', strtotime('+10 minutes')),
+            'expires_at' => date('Y-m-d H:i:s', strtotime('+' . $expiry_minutes . ' minutes')),
             'note' => wp_json_encode($meta_payload, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES),
         ]);
 
@@ -246,14 +252,20 @@ class AKSRT_Shop_Checkout_Service {
             return ['success' => false, 'message' => __('订单金额无效。', 'aksrt')];
         }
 
-        $balance = AKSRT_Credits::get_balance($user_id);
+        $balance = AKSRT_Credits::balance($user_id);
         if ($balance < $amount) {
             return ['success' => false, 'message' => sprintf(__('积分不足，需要 %d 积分，当前余额 %d。', 'aksrt'), $amount, $balance)];
         }
 
-        $deducted = AKSRT_Credits::deduct($amount, $user_id, 'shop_points_pay', sprintf(__('积分购买订单 %s', 'aksrt'), $order_number));
-        if (!$deducted) {
-            return ['success' => false, 'message' => __('积分扣除失败。', 'aksrt')];
+        $deducted = AKSRT_Credits::deduct(
+            $user_id,
+            $amount,
+            'shop_points_pay',
+            ['order' => $order_number],
+            sprintf(__('积分购买订单 %s', 'aksrt'), $order_number)
+        );
+        if (is_wp_error($deducted)) {
+            return ['success' => false, 'message' => $deducted->get_error_message() ?: __('积分扣除失败。', 'aksrt')];
         }
 
         $repo = AKSRT_Order_Repository::get_instance();

inc/classes/shop/class-aksrt-shop-product-service.php

@@ -74,23 +74,68 @@ class AKSRT_Shop_Product_Service {
     }
 
     public function get_payment_method_options(): array {
-        return [
-            'balance' => [
-                'value' => 'balance',
-                'label' => __('站内余额', 'aksrt'),
-                'description' => __('即时完成支付并写回订单状态。', 'aksrt'),
-            ],
-            'points' => [
-                'value' => 'points',
-                'label' => __('积分兑换', 'aksrt'),
+        $methods = [];
+
+        if (class_exists('AKSRT_Payment_Gateway')) {
+            foreach (AKSRT_Payment_Gateway::get_instance()->get_all() as $id => $gateway) {
+                if (!method_exists($gateway, 'is_configured') || !$gateway->is_configured()) {
+                    continue;
+                }
+                $methods[$id] = [
+                    'value'       => $id,
+                    'label'       => method_exists($gateway, 'get_name') ? (string) $gateway->get_name() : $id,
+                    'description' => $this->gateway_method_description((string) $id),
+                ];
+            }
+        }
+
+        if (class_exists('AKSRT_Settings') && AKSRT_Settings::credits_enabled()) {
+            $methods['points'] = [
+                'value'       => 'points',
+                'label'       => __('积分兑换', 'aksrt'),
                 'description' => __('使用积分购买积分商品。', 'aksrt'),
-            ],
-            'manual_review' => [
-                'value' => 'manual_review',
-                'label' => __('人工确认', 'aksrt'),
+            ];
+        }
+
+        $manual = true;
+        if (class_exists('AKSRT_Settings')) {
+            $gw = AKSRT_Settings::get_payment_gateway_settings();
+            $manual = !empty($gw['manual_review']) || ($gw['mode'] ?? '') === 'manual_review';
+        }
+        if ($manual) {
+            $methods['manual_review'] = [
+                'value'       => 'manual_review',
+                'label'       => __('人工确认', 'aksrt'),
                 'description' => __('保留待支付订单，后续由管理员确认。', 'aksrt'),
-            ],
-        ];
+            ];
+        }
+
+        if (empty($methods)) {
+            $methods['manual_review'] = [
+                'value'       => 'manual_review',
+                'label'       => __('人工确认', 'aksrt'),
+                'description' => __('保留待支付订单，后续由管理员确认。', 'aksrt'),
+            ];
+        }
+
+        return $methods;
+    }
+
+    private function gateway_method_description(string $id): string {
+        switch ($id) {
+            case 'balance':
+                return __('即时完成支付并写回订单状态。', 'aksrt');
+            case 'alipay':
+                return __('跳转支付宝完成支付。', 'aksrt');
+            case 'wechatpay':
+                return __('微信扫码或跳转完成支付。', 'aksrt');
+            case 'paypal':
+                return __('跳转 PayPal 完成支付。', 'aksrt');
+            case 'stripe':
+                return __('跳转 Stripe Checkout 完成支付。', 'aksrt');
+            default:
+                return '';
+        }
     }
 
     public function get_shipping_method_options(): array {