<?php
/**
 * @package AKSRT
 */

namespace AKSRT\Settings;

defined('ABSPATH') || exit;

class PaymentRuntime {

    /**
     * Paid content / download policy.
     *
     * @return array<string,mixed>
     */
    public static function get_paid_content_settings(): array {
        $settings = Settings::get_all();

        $box_position = sanitize_key((string) ($settings['pay_box_position'] ?? 'top'));
        // Zibll: box_top | top | bottom | box_bottom
        if (!in_array($box_position, ['box_top', 'top', 'bottom', 'box_bottom'], true)) {
            $box_position = 'top';
        }

        return [
            // 下载门槛永远支持积分购买模式（不再由页面开关控制）。
            'download_credit'      => Settings::credits_enabled(),
            'default_cost'         => Settings::download_default_cost(),
            // 付费内容仅文章。
            'paid_post_types'      => ['post'],
            'vip_free_download'    => false,
            'vip_exempt_roles'     => [],
            'catalog_note'         => '',
            'manual_delivery_note' => __('付费或人工确认内容请在订单备注中记录交付方式。', 'aksrt'),
            'no_logged_in'         => !isset($settings['pay_no_logged_in']) || !empty($settings['pay_no_logged_in']),
            'down_alone_page'      => false,
            'display'              => [
                'mark'            => sanitize_text_field((string) ($settings['pay_mark'] ?? '付费')),
                'currency_symbol' => '￥',
                'show_user'       => !isset($settings['pay_show_user']) || !empty($settings['pay_show_user']),
                'show_paycount'   => !isset($settings['pay_show_paycount']) || !empty($settings['pay_show_paycount']),
                'box_position'    => $box_position,
            ],
            'download'             => [
                'enabled'      => true,
                'remote'       => true,
                'verify_nonce' => true,
                'user_log'     => 50,
                'post_log'     => 50,
                'remote_size'  => 2048,
                'remote_ext'   => 'zip,rar,7z',
                'alone_page'   => false,
            ],
            // 内容收银台优惠码：不再提供全局开关，默认关闭。
            'coupon_post_s'        => false,
            'coupon_desc'          => '',
        ];
    }

    /**
     * Content coupon global switches (zibll coupon_post_s).
     *
     * @return array{enabled:bool,desc:string}
     */
    public static function get_content_coupon_settings(): array {
        $settings = self::get_paid_content_settings();
        return [
            'enabled' => !empty($settings['coupon_post_s']),
            'desc'    => (string) ($settings['coupon_desc'] ?? ''),
        ];
    }

    /**
     * Balance recharge settings (Zibll pay_balance_* contract).
     *
     * @return array<string,mixed>
     */
    public static function get_payment_recharge_settings(): array {
        $settings = Settings::get_all();

        $packages = (string) ($settings['pay_balance_product'] ?? "30|30|入门包\n98|108|推荐包");
        if (is_array($settings['pay_balance_product'] ?? null)) {
            $packages = self::format_product_lines((array) $settings['pay_balance_product']);
        }
        $desc = sanitize_textarea_field((string) ($settings['pay_balance_desc'] ?? ''));

        return [
            'enabled'         => !empty($settings['pay_balance_s']),
            'desc'            => $desc,
            'auto_to_balance' => !isset($settings['pay_auto_to_balance']) || !empty($settings['pay_auto_to_balance']),
            'packages_raw'    => $packages,
            'package_count'   => self::count_structured_lines($packages),
            'help_text'       => $desc !== '' ? $desc : __('当前支持人工确认与测试联调；接入真实网关时复用同一组字段。', 'aksrt'),
            'product'         => [
                'name'         => sanitize_text_field((string) ($settings['pay_balance_product_name'] ?? '')),
                'price'        => max(0, (float) ($settings['pay_balance_price'] ?? 0)),
                'tag'          => sanitize_text_field((string) ($settings['pay_balance_tag'] ?? '元')),
                'tag_class'    => sanitize_text_field((string) ($settings['pay_balance_tag_class'] ?? '')),
                'custom_s'     => !isset($settings['pay_balance_product_custom_s']) || !empty($settings['pay_balance_product_custom_s']),
                'custom_limit' => max(1, min(99999, (int) ($settings['pay_balance_product_custom_limit'] ?? 9999))),
            ],
            'transfer'        => [
                'enabled'        => !empty($settings['pay_balance_transfer_s']),
                'service_charge' => max(0, min(50, (int) ($settings['pay_balance_transfer_service_charge'] ?? 0))),
                'desc'           => sanitize_textarea_field((string) ($settings['pay_balance_transfer_desc'] ?? '')),
            ],
            'pass_charge'     => [
                'enabled'       => !empty($settings['pay_balance_pass_charge_s']),
                'desc'          => sanitize_textarea_field((string) ($settings['pay_balance_pass_charge_desc'] ?? '')),
                'only_password' => !empty($settings['pay_balance_pass_charge_only_password']),
            ],
            'points_exchange' => [
                'enabled'          => !empty($settings['pay_balance_points_exchange_s']),
                'rate'             => max(1, min(10000, (int) ($settings['pay_balance_points_exchange_rate'] ?? 100))),
                'min_points'       => max(1, min(10000000, (int) ($settings['pay_balance_points_exchange_min_points'] ?? 100))),
                'daily_max_points' => max(1, min(10000000, (int) ($settings['pay_balance_points_exchange_daily_max_points'] ?? 100000))),
                'desc'             => sanitize_textarea_field((string) ($settings['pay_balance_points_exchange_desc'] ?? '')),
            ],
        ];
    }

    /**
     * Resolve a configured VIP icon, falling back to the bundled level asset.
     */
    private static function get_vip_icon_url(int $level, string $configured): string {
        $configured = esc_url_raw($configured);
        if ($configured !== '') {
            return $configured;
        }

        $filename = 'vip-' . $level . '.svg';
        if (defined('AKSRT_DIR') && is_file(AKSRT_DIR . '/assets/img/user/vip/' . $filename)) {
            return defined('AKSRT_URI') ? AKSRT_URI . '/assets/img/user/vip/' . $filename : '';
        }

        return '';
    }

    /**
     * Dual-level VIP settings (Zibll pay_user_vip_1 / pay_user_vip_2).
     *
     * @return array<string,mixed>
     */
    public static function get_payment_vip_settings(): array {
        $settings = Settings::get_all();

        $vip1_enabled = !empty($settings['pay_user_vip_1_s']);
        $vip2_enabled = !empty($settings['pay_user_vip_2_s']);
        $enabled      = $vip1_enabled || $vip2_enabled;

        $name1 = trim((string) ($settings['pay_user_vip_1_name'] ?? ''));
        $name2 = trim((string) ($settings['pay_user_vip_2_name'] ?? ''));
        if ($name1 === '') {
            $name1 = __('一级会员', 'aksrt');
        }
        if ($name2 === '') {
            $name2 = __('二级会员', 'aksrt');
        }

        $badge = $vip2_enabled ? $name2 : ($vip1_enabled ? $name1 : __('VIP', 'aksrt'));

        $renew_price_type = sanitize_key((string) ($settings['vip_renew_price_type'] ?? 'discount'));
        if (!in_array($renew_price_type, ['same', 'discount', 'reduce'], true)) {
            $renew_price_type = 'discount';
        }

        $default_l1 = "30|59|1|month|限时|月卡\n98|199|3|month|特惠|季卡\n365|599|12|month|超值|年卡\n999|1299|0|day|永久|永久卡";
        $default_l2 = "58|99|1|month|限时|月卡\n168|299|3|month|特惠|季卡\n598|999|12|month|超值|年卡\n1299|1999|0|day|永久|永久卡";
        $products_1 = sanitize_textarea_field((string) ($settings['payment_vip_1_products'] ?? $default_l1));
        $products_2 = sanitize_textarea_field((string) ($settings['payment_vip_2_products'] ?? $default_l2));
        // Restore newlines lost only if empty after sanitize — sanitize_textarea_field keeps \n.
        if (trim($products_1) === '') {
            $products_1 = $default_l1;
        }
        if (trim($products_2) === '') {
            $products_2 = $default_l2;
        }

        $desc = sanitize_textarea_field((string) ($settings['pay_user_vip_desc'] ?? ''));
        $more = (string) ($settings['pay_user_vip_more'] ?? '');
        $allowed_equity = [
            'li'   => [],
            'ul'   => [],
            'ol'   => [],
            'strong' => [],
            'b'    => [],
            'em'   => [],
            'i'    => ['class' => true],
            'span' => ['class' => true],
            'br'   => [],
            'a'    => ['href' => true, 'target' => true, 'rel' => true, 'class' => true],
        ];

        return [
            'enabled'       => $enabled,
            'name'          => $vip1_enabled ? $name1 : $badge,
            'badge_text'    => $badge,
            'desc'          => $desc,
            'more'          => wp_kses($more, $allowed_equity + ['div' => ['class' => true], 'p' => ['class' => true]]),
            'help_text'     => $desc !== '' ? $desc : __('会员权益以免扣下载和身份展示为主，开通后立即生效。', 'aksrt'),
            'levels'        => [
                1 => [
                    'enabled'        => $vip1_enabled,
                    'name'           => $name1,
                    'desc'           => sanitize_text_field((string) ($settings['pay_user_vip_1_desc'] ?? __('尊享一级会员特权', 'aksrt'))),
                    'equity'         => wp_kses((string) (($settings['pay_user_vip_1_equity'] ?? '') !== '' ? $settings['pay_user_vip_1_equity'] : '<li>免费下载部分资源</li><li>会员专属身份标识</li><li>付费内容会员价</li>'), $allowed_equity),
                    'img_icon'       => self::get_vip_icon_url(1, (string) ($settings['vip_1_img_icon'] ?? '')),
                    'product_s'      => !isset($settings['vip_1_product_s']) || !empty($settings['vip_1_product_s']),
                    'products_raw'   => $products_1,
                    'download_limit' => max(0, min(9999, (int) ($settings['pay_download_limit_vip_1'] ?? 0))),
                ],
                2 => [
                    'enabled'        => $vip2_enabled,
                    'name'           => $name2,
                    'desc'           => sanitize_text_field((string) ($settings['pay_user_vip_2_desc'] ?? __('尊享二级会员特权', 'aksrt'))),
                    'equity'         => wp_kses((string) (($settings['pay_user_vip_2_equity'] ?? '') !== '' ? $settings['pay_user_vip_2_equity'] : '<li>更高免费下载额度</li><li>更高等级身份标识</li><li>更多付费内容会员价</li>'), $allowed_equity),
                    'img_icon'       => self::get_vip_icon_url(2, (string) ($settings['vip_2_img_icon'] ?? '')),
                    'product_s'      => !isset($settings['vip_2_product_s']) || !empty($settings['vip_2_product_s']),
                    'products_raw'   => $products_2,
                    'download_limit' => max(0, min(9999, (int) ($settings['pay_download_limit_vip_2'] ?? 0))),
                ],
            ],
            'benefit'       => [
                'download_limit'   => max(0, min(9999, (int) ($settings['pay_download_limit'] ?? 0))),
                'pass_charge'      => !empty($settings['pay_vip_pass_charge_s']),
                'pass_charge_desc' => sanitize_textarea_field((string) ($settings['pay_vip_pass_charge_desc'] ?? '')),
                'pass_charge_only_password' => !isset($settings['pay_vip_pass_charge_only_password']) || !empty($settings['pay_vip_pass_charge_only_password']),
            ],
            'renew'         => [
                'enabled'    => !isset($settings['vip_renew']) || !empty($settings['vip_renew']),
                'desc'       => sanitize_textarea_field((string) ($settings['vip_renew_desc'] ?? '')),
                'price_type' => $renew_price_type,
                'discount'   => max(1, min(100, (int) ($settings['vip_renew_discount'] ?? 8))),
                'reduce'     => max(0, min(9999, (int) ($settings['vip_renew_reduce'] ?? 20))),
            ],
            'upgrade'       => [
                'enabled' => !isset($settings['vip_upgrade']) || !empty($settings['vip_upgrade']),
                'desc'    => sanitize_textarea_field((string) ($settings['vip_upgrade_desc'] ?? '')),
                // Multi-line upgrade product rules — must not collapse newlines.
                'product' => sanitize_textarea_field((string) ($settings['vip_upgrade_product'] ?? '')),
            ],
            'points_exchange' => [
                'enabled'      => !empty($settings['pay_vip_points_exchange_s']),
                'desc'         => sanitize_textarea_field((string) ($settings['pay_vip_points_exchange_desc'] ?? '')),
                'packages_raw' => sanitize_textarea_field((string) ($settings['payment_vip_points_packages'] ?? "1|500|30|积分月卡\n1|5000|0|积分永久")),
            ],
        ];
    }

    /**
     * Creator-income policy. Cash and points intentionally use separate ratio sets.
     *
     * @return array{enabled:bool,cycle_days:int,ratios:array<string,array<string,int>>,note:string}
     */
    public static function get_payment_revenue_settings(): array {
        $settings = Settings::get_all();
        $note = trim((string) ($settings['payment_revenue_note'] ?? ''));
        $clamp_ratio = static fn ($value): int => max(0, min(100, (int) $value));

        return [
            'enabled'    => !empty($settings['pay_income_s']),
            'cycle_days' => max(1, min(365, (int) ($settings['payment_revenue_cycle_days'] ?? 30))),
            'ratios'     => [
                'cash' => [
                    'ordinary' => $clamp_ratio($settings['payment_revenue_cash_ratio_user'] ?? 60),
                    'vip1'     => $clamp_ratio($settings['payment_revenue_cash_ratio_vip_1'] ?? 70),
                    'vip2'     => $clamp_ratio($settings['payment_revenue_cash_ratio_vip_2'] ?? 80),
                ],
                'points' => [
                    'ordinary' => $clamp_ratio($settings['payment_revenue_points_ratio_user'] ?? 0),
                    'vip1'     => $clamp_ratio($settings['payment_revenue_points_ratio_vip_1'] ?? 0),
                    'vip2'     => $clamp_ratio($settings['payment_revenue_points_ratio_vip_2'] ?? 0),
                ],
            ],
            'note'       => $note !== '' ? wp_kses_post($note) : __('<p>订单完成并经过结算周期后，作者分成会自动转入对应的钱包。</p>', 'aksrt'),
        ];
    }

    /**
     * @return array<string,mixed>
     */
    public static function get_payment_affiliate_settings(): array {
        $settings = Settings::get_all();
        $ratio = max(0, min(100, (float) ($settings['affiliate_ratio'] ?? 5)));
        $fee = max(0, min(100, (float) ($settings['affiliate_withdrawal_fee'] ?? 5)));
        $types = (array) ($settings['affiliate_order_types'] ?? ['membership', 'content']);
        $types = array_values(array_intersect(['membership', 'content'], array_map('sanitize_key', $types)));
        if (!$types) { $types = ['membership', 'content']; }
        $channels = array_values(array_intersect(['alipay', 'wechat'], array_map('sanitize_key', (array) ($settings['affiliate_payout_channels'] ?? ['alipay', 'wechat']))));
        if (!$channels) { $channels = ['alipay', 'wechat']; }
        return [
            'enabled' => !empty($settings['affiliate_enabled']),
            'ratio' => $ratio,
            'order_types' => $types,
            'window_days' => max(1, min(365, (int) ($settings['affiliate_touch_window_days'] ?? 30))),
            'settlement_days' => max(0, min(90, (int) ($settings['affiliate_settlement_days'] ?? 7))),
            'min_withdrawal' => max(0, min(999999, (float) ($settings['affiliate_min_withdrawal'] ?? 50))),
            'withdrawal_fee' => $fee,
            'payout_channels' => $channels,
            'allow_self_purchase' => !empty($settings['affiliate_allow_self_purchase']),
            'show_stats' => !isset($settings['affiliate_show_stats']) || !empty($settings['affiliate_show_stats']),
            'promotion_text' => sanitize_textarea_field((string) ($settings['affiliate_promotion_text'] ?? '')),
            'earnings_text' => sanitize_textarea_field((string) ($settings['affiliate_earnings_text'] ?? '')),
            'withdrawal_agreement' => sanitize_textarea_field((string) ($settings['affiliate_withdrawal_agreement'] ?? '')),
        ];
    }

    public static function affiliate_enabled(): bool { return !empty(self::get_payment_affiliate_settings()['enabled']); }
    public static function affiliate_ratio(): float { return (float) self::get_payment_affiliate_settings()['ratio']; }
    public static function get_affiliate_settings(): array { return self::get_payment_affiliate_settings(); }
    public static function get_settlement_settings(): array {
        $s = self::get_payment_affiliate_settings();
        return ['observation_days' => (int) $s['settlement_days'], 'retry_limit' => 100];
    }

    /**
     * @return array<string,mixed>
     */
    public static function get_payment_gateway_settings(): array {
        $settings = Settings::get_all();
        $gateway_keys = ['wechat', 'alipay', 'paypal', 'stripe', 'balance', 'card_pass', 'epay'];
        $gateways = [];
        foreach ($gateway_keys as $gw) {
            $gateways[$gw] = !empty($settings["payment_{$gw}_enabled"]);
        }

        return [
            'help_text' => __('以渠道开关与凭据是否齐全为准；异步回调由各网关验签。卡密为兑换入口，不进入收银台。', 'aksrt'),
            'gateways'  => $gateways,
            'epay'      => [
                'apiurl'          => esc_url_raw((string) ($settings['epay_apiurl'] ?? '')),
                'pid'             => sanitize_text_field((string) ($settings['epay_pid'] ?? '')),
                'key'             => sanitize_text_field((string) ($settings['epay_key'] ?? '')),
                'channel_alipay'  => !array_key_exists('epay_channel_alipay', $settings) || !empty($settings['epay_channel_alipay']),
                'channel_wxpay'   => !array_key_exists('epay_channel_wxpay', $settings) || !empty($settings['epay_channel_wxpay']),
                'device'          => sanitize_key((string) ($settings['epay_device'] ?? 'auto')),
            ],
        ];
    }

    /**
     * Order display / checkout policy (Zibll pay_* + AKSRT order ops).
     *
     * @return array<string,mixed>
     */
    public static function get_order_settings(): array {
        $s = Settings::get_all();

        $expiry = max(5, min(1440, (int) ($s['payment_order_expiry'] ?? 30)));
        $cookie_day = max(1, min(31, (int) ($s['pay_cookie_day'] ?? 15)));
        $max_minutes = max(5, min(1440, (int) ($s['payment_order_max_minutes'] ?? 30)));

        $box_position = sanitize_key((string) ($s['pay_box_position'] ?? 'top'));
        if (!in_array($box_position, ['box_top', 'top', 'bottom', 'box_bottom'], true)) {
            $box_position = 'top';
        }

        $status_keys = ['pending', 'paid', 'completed', 'cancelled', 'refunded', 'refunding', 'processing'];
        $status_defaults = ['待支付', '已支付', '已完成', '已取消', '已退款', '退款中', '处理中'];
        $status_texts = [];
        foreach ($status_keys as $i => $key) {
            $val = trim((string) ($s["payment_order_status_{$key}"] ?? ''));
            $status_texts[$key] = $val !== '' ? $val : $status_defaults[$i];
        }

        return [
            'prefix'            => sanitize_text_field((string) ($s['payment_order_prefix'] ?? 'AKSRT')),
            'expiry'            => $expiry,
            'show_user'         => !isset($s['pay_show_user']) || !empty($s['pay_show_user']),
            'show_paycount'     => !isset($s['pay_show_paycount']) || !empty($s['pay_show_paycount']),
            'no_logged_in'      => !isset($s['pay_no_logged_in']) || !empty($s['pay_no_logged_in']),
            'cookie_day'        => $cookie_day,
            'no_logged_remind'  => sanitize_textarea_field((string) ($s['pay_no_logged_remind'] ?? '')),
            'wait_float'        => !isset($s['pay_wait_float_s']) || !empty($s['pay_wait_float_s']),
            'order_max_minutes' => $max_minutes,
            'mark'              => sanitize_text_field((string) ($s['pay_mark'] ?? '付费')),
            'box_position'      => $box_position,
            'show_ip'           => !empty($s['payment_show_ip']),
            'show_device'       => !empty($s['payment_show_device']),
            'show_order_no'     => !isset($s['payment_show_order_no']) || !empty($s['payment_show_order_no']),
            'show_create_time'  => !isset($s['payment_show_create_time']) || !empty($s['payment_show_create_time']),
            'show_pay_time'     => !isset($s['payment_show_pay_time']) || !empty($s['payment_show_pay_time']),
            'status_texts'      => $status_texts,
            'service'           => [
                'text'   => sanitize_textarea_field((string) ($s['pay_service'] ?? '')),
                'icon'   => sanitize_text_field((string) ($s['pay_service_icon'] ?? '')),
                'value'  => sanitize_text_field((string) ($s['pay_service_value'] ?? '')),
                'qq'     => sanitize_text_field((string) ($s['pay_service_qq'] ?? '')),
                'wechat' => esc_url_raw((string) ($s['pay_service_wechat'] ?? '')),
            ],
        ];
    }

    /**
     * Return the UTC expiry time for a newly created payable order.
     *
     * Keeping this in the payment runtime prevents individual checkout
     * flows from drifting away from the admin "payment_order_expiry" setting.
     */
    public static function get_order_expiry_at(?int $now = null): string {
        $settings = self::get_order_settings();
        $timestamp = $now ?? time();
        $minutes = max(5, min(1440, (int) ($settings['expiry'] ?? 30)));

        return gmdate('Y-m-d H:i:s', $timestamp + $minutes * MINUTE_IN_SECONDS);
    }

    /**
     * @return array<string,mixed>
     */
    public static function get_card_pass_settings(): array {
        $s = Settings::get_all();

        $type = sanitize_key((string) ($s['card_pass_type'] ?? 'balance'));
        if (!in_array($type, ['balance', 'vip', 'credits'], true)) {
            $type = 'balance';
        }

        $success_msg = trim((string) ($s['card_pass_success_msg'] ?? ''));
        $fail_msg = trim((string) ($s['card_pass_fail_msg'] ?? ''));

        return [
            'enabled'     => !empty($s['card_pass_enabled']),
            'desc'        => sanitize_textarea_field((string) ($s['card_pass_desc'] ?? '')),
            'type'        => $type,
            'prefix'      => sanitize_text_field((string) ($s['card_pass_prefix'] ?? 'AK')),
            'length'      => max(8, min(32, (int) ($s['card_pass_length'] ?? 16))),
            'batch_size'  => max(1, min(500, (int) ($s['card_pass_batch_size'] ?? 50))),
            'max_redeem'  => max(1, min(100, (int) ($s['card_pass_max_redeem'] ?? 1))),
            'expiry_days' => max(0, (int) ($s['card_pass_expiry'] ?? 0)),
            'amount'      => max(1, min(9999, (int) ($s['card_pass_amount'] ?? 10))),
            'vip_days'    => max(1, min(3650, (int) ($s['card_pass_vip_days'] ?? 30))),
            'credits'     => max(0, min(99999, (int) ($s['card_pass_credits'] ?? 0))),
            'redeem_page' => esc_url_raw((string) ($s['card_pass_redeem_page'] ?? '')),
            'success_msg' => $success_msg !== '' ? $success_msg : __('兑换成功！', 'aksrt'),
            'fail_msg'    => $fail_msg !== '' ? $fail_msg : __('卡号无效或已过期', 'aksrt'),
        ];
    }

    /** @return array{min_amount:float,service_charge_rate:int,daily_count:int,daily_limit:float,reset_time:string} */
    public static function get_withdrawal_settings(): array {
        $s = Settings::get_all();
        $affiliate = self::get_payment_affiliate_settings();
        return [
            'min_amount'          => (float) $affiliate['min_withdrawal'],
            'service_charge_rate' => (int) round((float) $affiliate['withdrawal_fee']),
            'daily_count'         => max(0, min(99999, (int) ($s['affiliate_daily_withdrawal_count'] ?? 3))),
            'daily_limit'         => max(0, min(999999, (float) ($s['affiliate_daily_withdrawal_limit'] ?? 500))),
            'reset_time'          => preg_match('/^(?:[01]\\d|2[0-3]):[0-5]\\d$/', (string) ($s['affiliate_withdrawal_reset_time'] ?? '00:00'))
                ? (string) $s['affiliate_withdrawal_reset_time']
                : '00:00',
        ];
    }

    /**
     * Whether a registered adapter is admin-enabled.
     * Maps gateway ids (wechatpay) to schema toggles (payment_wechat_enabled).
     */
    public static function is_gateway_enabled(string $gateway_id): bool {
        $settings = Settings::get_all();
        $gateway_id = sanitize_key($gateway_id);
        $map = [
            'alipay'      => 'payment_alipay_enabled',
            'wechatpay'   => 'payment_wechat_enabled',
            'paypal'      => 'payment_paypal_enabled',
            'stripe'      => 'payment_stripe_enabled',
            'balance'     => 'payment_balance_enabled',
            'card_pass'   => 'payment_card_pass_enabled',
            'epay'        => 'payment_epay_enabled',
            'epay_alipay' => 'payment_epay_enabled',
            'epay_wxpay'  => 'payment_epay_enabled',
        ];
        $key = $map[$gateway_id] ?? '';
        if ($key === '') {
            return false;
        }
        if ($gateway_id === 'balance') {
            // Master: 余额充值 → 启用余额功能. Optional kill-switch: payment_balance_enabled=false.
            // Missing key (legacy sites) follows pay_balance_s so "open wallet" alone enables pay.
            if (empty($settings['pay_balance_s'])) {
                return false;
            }
            if (array_key_exists('payment_balance_enabled', $settings) && empty($settings['payment_balance_enabled'])) {
                return false;
            }
            return true;
        }
        if (empty($settings[$key])) {
            return false;
        }
        // Epay sub-channels require the matching channel switch (default on when key missing).
        if ($gateway_id === 'epay_alipay') {
            return !array_key_exists('epay_channel_alipay', $settings) || !empty($settings['epay_channel_alipay']);
        }
        if ($gateway_id === 'epay_wxpay') {
            return !array_key_exists('epay_channel_wxpay', $settings) || !empty($settings['epay_channel_wxpay']);
        }
        return true;
    }

    private static function count_structured_lines(string $raw): int {
        $lines = preg_split('/[\r\n]+/', $raw, -1, PREG_SPLIT_NO_EMPTY);
        $count = 0;
        foreach ((array) $lines as $line) {
            if (trim((string) $line) !== '') {
                $count++;
            }
        }
        return $count;
    }

    /**
     * @param array<int,mixed> $products
     */
    private static function format_product_lines(array $products): string {
        $lines = [];
        foreach ($products as $row) {
            if (!is_array($row)) {
                continue;
            }
            $price = $row['pay_price'] ?? $row['price'] ?? '';
            $value = $row['value'] ?? $row['balance'] ?? $price;
            $title = $row['title'] ?? $row['name'] ?? '';
            $lines[] = $price . '|' . $value . '|' . $title;
        }
        return implode("\n", $lines);
    }
}