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feat(payment): balance recharge multiplier and refund amount separation
- Add balance_recharge_multiplier system setting (e.g. 1.2 = charge 100 get 120) - Separate order_amount (credited balance) from pay_amount (actual payment) - Refund calculates gateway amount proportionally from pay_amount - Frontend shows both amounts in order details, payment status, refund dialog - Admin settings UI for configuring recharge multiplier
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