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();