fix(payment): audit fixes for alipay/wxpay/stripe payment providers
Backend: - Extract YuanToFen/FenToYuan to payment/amount.go using shopspring/decimal - Require alipay publicKey in config validation - Fix wxpay webhook response to return JSON per V3 spec - Remove wxpay certSerial fallback to publicKeyId - Define magic strings as named constants in wxpay/alipay providers - Add slog warning for wxpay H5→Native payment downgrade - Make EncryptionKey validation return error on invalid (non-empty) key - Make decryptConfig propagate errors instead of returning nil - Add idempotency check in doBalance to prevent stuck FAILED retries Frontend: - Fix dashboard currency symbol from $ to ¥ - Fix AdminPaymentPlansView any type to proper SubscriptionPlan type - Make quick amount buttons follow selected payment method limits - Center help image with larger height and text below
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