Merge pull request #1572 from touwaeriol/feat/payment-system-v2

feat(payment): add complete payment system with multi-provider support

backend/internal/handler/payment_webhook_handler_test.go

+//go:build unit
+
+package handler
+
+import (
+	"encoding/json"
+	"net/http"
+	"net/http/httptest"
+	"testing"
+
+	"github.com/gin-gonic/gin"
+	"github.com/stretchr/testify/assert"
+	"github.com/stretchr/testify/require"
+)
+
+func TestWriteSuccessResponse(t *testing.T) {
+	gin.SetMode(gin.TestMode)
+
+	tests := []struct {
+		name            string
+		providerKey     string
+		wantCode        int
+		wantContentType string
+		wantBody        string
+		checkJSON       bool
+		wantJSONCode    string
+		wantJSONMessage string
+	}{
+		{
+			name:            "wxpay returns JSON with code SUCCESS",
+			providerKey:     "wxpay",
+			wantCode:        http.StatusOK,
+			wantContentType: "application/json",
+			checkJSON:       true,
+			wantJSONCode:    "SUCCESS",
+			wantJSONMessage: "成功",
+		},
+		{
+			name:            "stripe returns empty 200",
+			providerKey:     "stripe",
+			wantCode:        http.StatusOK,
+			wantContentType: "text/plain",
+			wantBody:        "",
+		},
+		{
+			name:            "easypay returns plain text success",
+			providerKey:     "easypay",
+			wantCode:        http.StatusOK,
+			wantContentType: "text/plain",
+			wantBody:        "success",
+		},
+		{
+			name:            "alipay returns plain text success",
+			providerKey:     "alipay",
+			wantCode:        http.StatusOK,
+			wantContentType: "text/plain",
+			wantBody:        "success",
+		},
+		{
+			name:            "unknown provider returns plain text success",
+			providerKey:     "unknown_provider",
+			wantCode:        http.StatusOK,
+			wantContentType: "text/plain",
+			wantBody:        "success",
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			w := httptest.NewRecorder()
+			c, _ := gin.CreateTestContext(w)
+
+			writeSuccessResponse(c, tt.providerKey)
+
+			assert.Equal(t, tt.wantCode, w.Code)
+			assert.Contains(t, w.Header().Get("Content-Type"), tt.wantContentType)
+
+			if tt.checkJSON {
+				var resp wxpaySuccessResponse
+				err := json.Unmarshal(w.Body.Bytes(), &resp)
+				require.NoError(t, err, "response body should be valid JSON")
+				assert.Equal(t, tt.wantJSONCode, resp.Code)
+				assert.Equal(t, tt.wantJSONMessage, resp.Message)
+			} else {
+				assert.Equal(t, tt.wantBody, w.Body.String())
+			}
+		})
+	}
+}
+
+func TestWebhookConstants(t *testing.T) {
+	t.Run("maxWebhookBodySize is 1MB", func(t *testing.T) {
+		assert.Equal(t, int64(1<<20), int64(maxWebhookBodySize))
+	})
+
+	t.Run("webhookLogTruncateLen is 200", func(t *testing.T) {
+		assert.Equal(t, 200, webhookLogTruncateLen)
+	})
+}

backend/internal/handler/setting_handler.go

@@ -59,6 +59,7 @@ func (h *SettingHandler) GetPublicSettings(c *gin.Context) {
 		OIDCOAuthEnabled:                 settings.OIDCOAuthEnabled,
 		OIDCOAuthProviderName:            settings.OIDCOAuthProviderName,
 		BackendModeEnabled:               settings.BackendModeEnabled,
+		PaymentEnabled:                   settings.PaymentEnabled,
 		Version:                          h.version,
 	})
 }

backend/internal/handler/wire.go

@@ -34,6 +34,7 @@ func ProvideAdminHandlers(
 	apiKeyHandler *admin.AdminAPIKeyHandler,
 	scheduledTestHandler *admin.ScheduledTestHandler,
 	channelHandler *admin.ChannelHandler,
+	paymentHandler *admin.PaymentHandler,
 ) *AdminHandlers {
 	return &AdminHandlers{
 		Dashboard:             dashboardHandler,
@@ -61,6 +62,7 @@ func ProvideAdminHandlers(
 		APIKey:                apiKeyHandler,
 		ScheduledTest:         scheduledTestHandler,
 		Channel:               channelHandler,
+		Payment:               paymentHandler,
 	}
 }
 
@@ -88,22 +90,26 @@ func ProvideHandlers(
 	openaiGatewayHandler *OpenAIGatewayHandler,
 	settingHandler *SettingHandler,
 	totpHandler *TotpHandler,
+	paymentHandler *PaymentHandler,
+	paymentWebhookHandler *PaymentWebhookHandler,
 	_ *service.IdempotencyCoordinator,
 	_ *service.IdempotencyCleanupService,
 ) *Handlers {
 	return &Handlers{
-		Auth:          authHandler,
-		User:          userHandler,
-		APIKey:        apiKeyHandler,
-		Usage:         usageHandler,
-		Redeem:        redeemHandler,
-		Subscription:  subscriptionHandler,
-		Announcement:  announcementHandler,
-		Admin:         adminHandlers,
-		Gateway:       gatewayHandler,
-		OpenAIGateway: openaiGatewayHandler,
-		Setting:       settingHandler,
-		Totp:          totpHandler,
+		Auth:           authHandler,
+		User:           userHandler,
+		APIKey:         apiKeyHandler,
+		Usage:          usageHandler,
+		Redeem:         redeemHandler,
+		Subscription:   subscriptionHandler,
+		Announcement:   announcementHandler,
+		Admin:          adminHandlers,
+		Gateway:        gatewayHandler,
+		OpenAIGateway:  openaiGatewayHandler,
+		Setting:        settingHandler,
+		Totp:           totpHandler,
+		Payment:        paymentHandler,
+		PaymentWebhook: paymentWebhookHandler,
 	}
 }
 
@@ -121,6 +127,8 @@ var ProviderSet = wire.NewSet(
 	NewOpenAIGatewayHandler,
 	NewTotpHandler,
 	ProvideSettingHandler,
+	NewPaymentHandler,
+	NewPaymentWebhookHandler,
 
 	// Admin handlers
 	admin.NewDashboardHandler,
@@ -148,6 +156,7 @@ var ProviderSet = wire.NewSet(
 	admin.NewAdminAPIKeyHandler,
 	admin.NewScheduledTestHandler,
 	admin.NewChannelHandler,
+	admin.NewPaymentHandler,
 
 	// AdminHandlers and Handlers constructors
 	ProvideAdminHandlers,

backend/internal/payment/amount.go

+package payment
+
+import (
+	"fmt"
+
+	"github.com/shopspring/decimal"
+)
+
+const centsPerYuan = 100
+
+// YuanToFen converts a CNY yuan string (e.g. "10.50") to fen (int64).
+// Uses shopspring/decimal for precision.
+func YuanToFen(yuanStr string) (int64, error) {
+	d, err := decimal.NewFromString(yuanStr)
+	if err != nil {
+		return 0, fmt.Errorf("invalid amount: %s", yuanStr)
+	}
+	return d.Mul(decimal.NewFromInt(centsPerYuan)).IntPart(), nil
+}
+
+// FenToYuan converts fen (int64) to yuan as a float64 for interface compatibility.
+func FenToYuan(fen int64) float64 {
+	return decimal.NewFromInt(fen).Div(decimal.NewFromInt(centsPerYuan)).InexactFloat64()
+}

backend/internal/payment/amount_test.go

+//go:build unit
+
+package payment
+
+import (
+	"math"
+	"testing"
+)
+
+func TestYuanToFen(t *testing.T) {
+	tests := []struct {
+		name    string
+		input   string
+		want    int64
+		wantErr bool
+	}{
+		// Normal values
+		{name: "one yuan", input: "1.00", want: 100},
+		{name: "ten yuan fifty fen", input: "10.50", want: 1050},
+		{name: "one fen", input: "0.01", want: 1},
+		{name: "large amount", input: "99999.99", want: 9999999},
+
+		// Edge: zero
+		{name: "zero no decimal", input: "0", want: 0},
+		{name: "zero with decimal", input: "0.00", want: 0},
+
+		// IEEE 754 precision edge case: 1.15 * 100 = 114.99999... in float64
+		{name: "ieee754 precision 1.15", input: "1.15", want: 115},
+
+		// More precision edge cases
+		{name: "ieee754 precision 0.1", input: "0.1", want: 10},
+		{name: "ieee754 precision 0.2", input: "0.2", want: 20},
+		{name: "ieee754 precision 33.33", input: "33.33", want: 3333},
+
+		// Large value
+		{name: "hundred thousand", input: "100000.00", want: 10000000},
+
+		// Integer without decimal
+		{name: "integer 5", input: "5", want: 500},
+		{name: "integer 100", input: "100", want: 10000},
+
+		// Single decimal place
+		{name: "single decimal 1.5", input: "1.5", want: 150},
+
+		// Negative values
+		{name: "negative one yuan", input: "-1.00", want: -100},
+		{name: "negative with fen", input: "-10.50", want: -1050},
+
+		// Invalid inputs
+		{name: "empty string", input: "", wantErr: true},
+		{name: "alphabetic", input: "abc", wantErr: true},
+		{name: "double dot", input: "1.2.3", wantErr: true},
+		{name: "spaces", input: "  ", wantErr: true},
+		{name: "special chars", input: "$10.00", wantErr: true},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			got, err := YuanToFen(tt.input)
+			if tt.wantErr {
+				if err == nil {
+					t.Errorf("YuanToFen(%q) expected error, got %d", tt.input, got)
+				}
+				return
+			}
+			if err != nil {
+				t.Fatalf("YuanToFen(%q) unexpected error: %v", tt.input, err)
+			}
+			if got != tt.want {
+				t.Errorf("YuanToFen(%q) = %d, want %d", tt.input, got, tt.want)
+			}
+		})
+	}
+}
+
+func TestFenToYuan(t *testing.T) {
+	tests := []struct {
+		name string
+		fen  int64
+		want float64
+	}{
+		{name: "one yuan", fen: 100, want: 1.0},
+		{name: "ten yuan fifty fen", fen: 1050, want: 10.5},
+		{name: "one fen", fen: 1, want: 0.01},
+		{name: "zero", fen: 0, want: 0.0},
+		{name: "large amount", fen: 9999999, want: 99999.99},
+		{name: "negative", fen: -100, want: -1.0},
+		{name: "negative with fen", fen: -1050, want: -10.5},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			got := FenToYuan(tt.fen)
+			if math.Abs(got-tt.want) > 1e-9 {
+				t.Errorf("FenToYuan(%d) = %f, want %f", tt.fen, got, tt.want)
+			}
+		})
+	}
+}
+
+func TestYuanToFenRoundTrip(t *testing.T) {
+	// Verify that converting yuan->fen->yuan preserves the value.
+	cases := []struct {
+		yuan string
+		fen  int64
+	}{
+		{"0.01", 1},
+		{"1.00", 100},
+		{"10.50", 1050},
+		{"99999.99", 9999999},
+	}
+
+	for _, tc := range cases {
+		fen, err := YuanToFen(tc.yuan)
+		if err != nil {
+			t.Fatalf("YuanToFen(%q) unexpected error: %v", tc.yuan, err)
+		}
+		if fen != tc.fen {
+			t.Errorf("YuanToFen(%q) = %d, want %d", tc.yuan, fen, tc.fen)
+		}
+		yuan := FenToYuan(fen)
+		// Parse expected yuan back for comparison
+		expectedYuan := FenToYuan(tc.fen)
+		if math.Abs(yuan-expectedYuan) > 1e-9 {
+			t.Errorf("round-trip: FenToYuan(%d) = %f, want %f", fen, yuan, expectedYuan)
+		}
+	}
+}

backend/internal/payment/crypto.go

+package payment
+
+import (
+	"crypto/aes"
+	"crypto/cipher"
+	"crypto/rand"
+	"encoding/base64"
+	"fmt"
+	"io"
+	"strings"
+)
+
+// Encrypt encrypts plaintext using AES-256-GCM with the given 32-byte key.
+// The output format is "iv:authTag:ciphertext" where each component is base64-encoded,
+// matching the Node.js crypto.ts format for cross-compatibility.
+func Encrypt(plaintext string, key []byte) (string, error) {
+	if len(key) != 32 {
+		return "", fmt.Errorf("encryption key must be 32 bytes, got %d", len(key))
+	}
+
+	block, err := aes.NewCipher(key)
+	if err != nil {
+		return "", fmt.Errorf("create AES cipher: %w", err)
+	}
+
+	gcm, err := cipher.NewGCM(block)
+	if err != nil {
+		return "", fmt.Errorf("create GCM: %w", err)
+	}
+
+	nonce := make([]byte, gcm.NonceSize()) // 12 bytes for GCM
+	if _, err := io.ReadFull(rand.Reader, nonce); err != nil {
+		return "", fmt.Errorf("generate nonce: %w", err)
+	}
+
+	// Seal appends the ciphertext + auth tag
+	sealed := gcm.Seal(nil, nonce, []byte(plaintext), nil)
+
+	// Split sealed into ciphertext and auth tag (last 16 bytes)
+	tagSize := gcm.Overhead()
+	ciphertext := sealed[:len(sealed)-tagSize]
+	authTag := sealed[len(sealed)-tagSize:]
+
+	// Format: iv:authTag:ciphertext (all base64)
+	return fmt.Sprintf("%s:%s:%s",
+		base64.StdEncoding.EncodeToString(nonce),
+		base64.StdEncoding.EncodeToString(authTag),
+		base64.StdEncoding.EncodeToString(ciphertext),
+	), nil
+}
+
+// Decrypt decrypts a ciphertext string produced by Encrypt.
+// The input format is "iv:authTag:ciphertext" where each component is base64-encoded.
+func Decrypt(ciphertext string, key []byte) (string, error) {
+	if len(key) != 32 {
+		return "", fmt.Errorf("encryption key must be 32 bytes, got %d", len(key))
+	}
+
+	parts := strings.SplitN(ciphertext, ":", 3)
+	if len(parts) != 3 {
+		return "", fmt.Errorf("invalid ciphertext format: expected iv:authTag:ciphertext")
+	}
+
+	nonce, err := base64.StdEncoding.DecodeString(parts[0])
+	if err != nil {
+		return "", fmt.Errorf("decode IV: %w", err)
+	}
+
+	authTag, err := base64.StdEncoding.DecodeString(parts[1])
+	if err != nil {
+		return "", fmt.Errorf("decode auth tag: %w", err)
+	}
+
+	encrypted, err := base64.StdEncoding.DecodeString(parts[2])
+	if err != nil {
+		return "", fmt.Errorf("decode ciphertext: %w", err)
+	}
+
+	block, err := aes.NewCipher(key)
+	if err != nil {
+		return "", fmt.Errorf("create AES cipher: %w", err)
+	}
+
+	gcm, err := cipher.NewGCM(block)
+	if err != nil {
+		return "", fmt.Errorf("create GCM: %w", err)
+	}
+
+	// Reconstruct the sealed data: ciphertext + authTag
+	sealed := append(encrypted, authTag...)
+
+	plaintext, err := gcm.Open(nil, nonce, sealed, nil)
+	if err != nil {
+		return "", fmt.Errorf("decrypt: %w", err)
+	}
+
+	return string(plaintext), nil
+}

backend/internal/payment/crypto_test.go

+package payment
+
+import (
+	"crypto/rand"
+	"strings"
+	"testing"
+)
+
+func makeKey(t *testing.T) []byte {
+	t.Helper()
+	key := make([]byte, 32)
+	if _, err := rand.Read(key); err != nil {
+		t.Fatalf("generate random key: %v", err)
+	}
+	return key
+}
+
+func TestEncryptDecryptRoundTrip(t *testing.T) {
+	t.Parallel()
+	key := makeKey(t)
+
+	plaintexts := []string{
+		"hello world",
+		"short",
+		"a longer string with special chars: !@#$%^&*()",
+		`{"key":"value","num":42}`,
+		"你好世界 unicode test 🎉",
+		strings.Repeat("x", 10000),
+	}
+
+	for _, pt := range plaintexts {
+		encrypted, err := Encrypt(pt, key)
+		if err != nil {
+			t.Fatalf("Encrypt(%q) error: %v", pt[:min(len(pt), 30)], err)
+		}
+		decrypted, err := Decrypt(encrypted, key)
+		if err != nil {
+			t.Fatalf("Decrypt error for plaintext %q: %v", pt[:min(len(pt), 30)], err)
+		}
+		if decrypted != pt {
+			t.Fatalf("round-trip failed: got %q, want %q", decrypted[:min(len(decrypted), 30)], pt[:min(len(pt), 30)])
+		}
+	}
+}
+
+func TestEncryptProducesDifferentCiphertexts(t *testing.T) {
+	t.Parallel()
+	key := makeKey(t)
+
+	ct1, err := Encrypt("same plaintext", key)
+	if err != nil {
+		t.Fatalf("first Encrypt error: %v", err)
+	}
+	ct2, err := Encrypt("same plaintext", key)
+	if err != nil {
+		t.Fatalf("second Encrypt error: %v", err)
+	}
+	if ct1 == ct2 {
+		t.Fatal("two encryptions of the same plaintext should produce different ciphertexts (random nonce)")
+	}
+}
+
+func TestDecryptWithWrongKeyFails(t *testing.T) {
+	t.Parallel()
+	key1 := makeKey(t)
+	key2 := makeKey(t)
+
+	encrypted, err := Encrypt("secret data", key1)
+	if err != nil {
+		t.Fatalf("Encrypt error: %v", err)
+	}
+
+	_, err = Decrypt(encrypted, key2)
+	if err == nil {
+		t.Fatal("Decrypt with wrong key should fail, but got nil error")
+	}
+}
+
+func TestEncryptRejectsInvalidKeyLength(t *testing.T) {
+	t.Parallel()
+	badKeys := [][]byte{
+		nil,
+		make([]byte, 0),
+		make([]byte, 16),
+		make([]byte, 31),
+		make([]byte, 33),
+		make([]byte, 64),
+	}
+	for _, key := range badKeys {
+		_, err := Encrypt("test", key)
+		if err == nil {
+			t.Fatalf("Encrypt should reject key of length %d", len(key))
+		}
+	}
+}
+
+func TestDecryptRejectsInvalidKeyLength(t *testing.T) {
+	t.Parallel()
+	badKeys := [][]byte{
+		nil,
+		make([]byte, 16),
+		make([]byte, 33),
+	}
+	for _, key := range badKeys {
+		_, err := Decrypt("dummydata:dummydata:dummydata", key)
+		if err == nil {
+			t.Fatalf("Decrypt should reject key of length %d", len(key))
+		}
+	}
+}
+
+func TestEncryptEmptyPlaintext(t *testing.T) {
+	t.Parallel()
+	key := makeKey(t)
+
+	encrypted, err := Encrypt("", key)
+	if err != nil {
+		t.Fatalf("Encrypt empty plaintext error: %v", err)
+	}
+	decrypted, err := Decrypt(encrypted, key)
+	if err != nil {
+		t.Fatalf("Decrypt empty plaintext error: %v", err)
+	}
+	if decrypted != "" {
+		t.Fatalf("expected empty string, got %q", decrypted)
+	}
+}
+
+func TestEncryptDecryptUnicodeJSON(t *testing.T) {
+	t.Parallel()
+	key := makeKey(t)
+
+	jsonContent := `{"name":"测试用户","email":"test@example.com","balance":100.50}`
+	encrypted, err := Encrypt(jsonContent, key)
+	if err != nil {
+		t.Fatalf("Encrypt JSON error: %v", err)
+	}
+	decrypted, err := Decrypt(encrypted, key)
+	if err != nil {
+		t.Fatalf("Decrypt JSON error: %v", err)
+	}
+	if decrypted != jsonContent {
+		t.Fatalf("JSON round-trip failed: got %q, want %q", decrypted, jsonContent)
+	}
+}
+
+func TestDecryptInvalidFormat(t *testing.T) {
+	t.Parallel()
+	key := makeKey(t)
+
+	invalidInputs := []string{
+		"",
+		"nodelimiter",
+		"only:two",
+		"invalid:base64:!!!",
+	}
+	for _, input := range invalidInputs {
+		_, err := Decrypt(input, key)
+		if err == nil {
+			t.Fatalf("Decrypt(%q) should fail but got nil error", input)
+		}
+	}
+}
+
+func TestCiphertextFormat(t *testing.T) {
+	t.Parallel()
+	key := makeKey(t)
+
+	encrypted, err := Encrypt("test", key)
+	if err != nil {
+		t.Fatalf("Encrypt error: %v", err)
+	}
+
+	parts := strings.SplitN(encrypted, ":", 3)
+	if len(parts) != 3 {
+		t.Fatalf("ciphertext should have format iv:authTag:ciphertext, got %d parts", len(parts))
+	}
+	for i, part := range parts {
+		if part == "" {
+			t.Fatalf("ciphertext part %d is empty", i)
+		}
+	}
+}

backend/internal/payment/fee.go

+package payment
+
+import (
+	"github.com/shopspring/decimal"
+)
+
+// CalculatePayAmount computes the total pay amount given a recharge amount and
+// fee rate (percentage). Fee = amount * feeRate / 100, rounded UP (away from zero)
+// to 2 decimal places. The returned string is formatted to exactly 2 decimal places.
+// If feeRate <= 0, the amount is returned as-is (formatted to 2 decimal places).
+func CalculatePayAmount(rechargeAmount float64, feeRate float64) string {
+	amount := decimal.NewFromFloat(rechargeAmount)
+	if feeRate <= 0 {
+		return amount.StringFixed(2)
+	}
+	rate := decimal.NewFromFloat(feeRate)
+	fee := amount.Mul(rate).Div(decimal.NewFromInt(100)).RoundUp(2)
+	return amount.Add(fee).StringFixed(2)
+}

backend/internal/payment/fee_test.go

+package payment
+
+import (
+	"testing"
+)
+
+func TestCalculatePayAmount(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name     string
+		amount   float64
+		feeRate  float64
+		expected string
+	}{
+		{
+			name:     "zero fee rate returns same amount",
+			amount:   100.00,
+			feeRate:  0,
+			expected: "100.00",
+		},
+		{
+			name:     "negative fee rate returns same amount",
+			amount:   50.00,
+			feeRate:  -5,
+			expected: "50.00",
+		},
+		{
+			name:     "1 percent fee rate",
+			amount:   100.00,
+			feeRate:  1,
+			expected: "101.00",
+		},
+		{
+			name:     "5 percent fee on 200",
+			amount:   200.00,
+			feeRate:  5,
+			expected: "210.00",
+		},
+		{
+			name:     "fee rounds UP to 2 decimal places",
+			amount:   100.00,
+			feeRate:  3,
+			expected: "103.00",
+		},
+		{
+			name:     "fee rounds UP small remainder",
+			amount:   10.00,
+			feeRate:  3.33,
+			expected: "10.34", // 10 * 3.33 / 100 = 0.333 -> round up -> 0.34
+		},
+		{
+			name:     "very small amount",
+			amount:   0.01,
+			feeRate:  1,
+			expected: "0.02", // 0.01 * 1/100 = 0.0001 -> round up -> 0.01 -> total 0.02
+		},
+		{
+			name:     "large amount",
+			amount:   99999.99,
+			feeRate:  10,
+			expected: "109999.99", // 99999.99 * 10/100 = 9999.999 -> round up -> 10000.00 -> total 109999.99
+		},
+		{
+			name:     "100 percent fee rate doubles amount",
+			amount:   50.00,
+			feeRate:  100,
+			expected: "100.00",
+		},
+		{
+			name:     "precision 0.01 fee difference",
+			amount:   100.00,
+			feeRate:  1.01,
+			expected: "101.01", // 100 * 1.01/100 = 1.01
+		},
+		{
+			name:     "precision 0.02 fee",
+			amount:   100.00,
+			feeRate:  1.02,
+			expected: "101.02",
+		},
+		{
+			name:     "zero amount with positive fee",
+			amount:   0,
+			feeRate:  5,
+			expected: "0.00",
+		},
+		{
+			name:     "fractional amount no fee",
+			amount:   19.99,
+			feeRate:  0,
+			expected: "19.99",
+		},
+		{
+			name:     "fractional fee that causes rounding up",
+			amount:   33.33,
+			feeRate:  7.77,
+			expected: "35.92", // 33.33 * 7.77 / 100 = 2.589741 -> round up -> 2.59 -> total 35.92
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got := CalculatePayAmount(tt.amount, tt.feeRate)
+			if got != tt.expected {
+				t.Fatalf("CalculatePayAmount(%v, %v) = %q, want %q", tt.amount, tt.feeRate, got, tt.expected)
+			}
+		})
+	}
+}

backend/internal/payment/load_balancer.go

+package payment
+
+import (
+	"context"
+	"encoding/json"
+	"fmt"
+	"log/slog"
+	"strings"
+	"sync/atomic"
+	"time"
+
+	dbent "github.com/Wei-Shaw/sub2api/ent"
+	"github.com/Wei-Shaw/sub2api/ent/paymentorder"
+	"github.com/Wei-Shaw/sub2api/ent/paymentproviderinstance"
+)
+
+// Strategy represents a load balancing strategy for provider instance selection.
+type Strategy string
+
+const (
+	StrategyRoundRobin  Strategy = "round-robin"
+	StrategyLeastAmount Strategy = "least-amount"
+)
+
+// ChannelLimits holds limits for a single payment channel within a provider instance.
+type ChannelLimits struct {
+	DailyLimit float64 `json:"dailyLimit,omitempty"`
+	SingleMin  float64 `json:"singleMin,omitempty"`
+	SingleMax  float64 `json:"singleMax,omitempty"`
+}
+
+// InstanceLimits holds per-channel limits for a provider instance (JSON).
+type InstanceLimits map[string]ChannelLimits
+
+// LoadBalancer selects a provider instance for a given payment type.
+type LoadBalancer interface {
+	GetInstanceConfig(ctx context.Context, instanceID int64) (map[string]string, error)
+	SelectInstance(ctx context.Context, providerKey string, paymentType PaymentType, strategy Strategy, orderAmount float64) (*InstanceSelection, error)
+}
+
+// DefaultLoadBalancer implements LoadBalancer using database queries.
+type DefaultLoadBalancer struct {
+	db            *dbent.Client
+	encryptionKey []byte
+	counter       atomic.Uint64
+}
+
+// NewDefaultLoadBalancer creates a new load balancer.
+func NewDefaultLoadBalancer(db *dbent.Client, encryptionKey []byte) *DefaultLoadBalancer {
+	return &DefaultLoadBalancer{db: db, encryptionKey: encryptionKey}
+}
+
+// instanceCandidate pairs an instance with its pre-fetched daily usage.
+type instanceCandidate struct {
+	inst      *dbent.PaymentProviderInstance
+	dailyUsed float64 // includes PENDING orders
+}
+
+// SelectInstance picks an enabled instance for the given provider key and payment type.
+//
+// Flow:
+//  1. Query all enabled instances for providerKey, filter by supported paymentType
+//  2. Batch-query daily usage (PENDING + PAID + COMPLETED + RECHARGING) for all candidates
+//  3. Filter out instances where: single-min/max violated OR daily remaining < orderAmount
+//  4. Pick from survivors using the configured strategy (round-robin / least-amount)
+//  5. If all filtered out, fall back to full list (let the provider itself reject)
+func (lb *DefaultLoadBalancer) SelectInstance(
+	ctx context.Context,
+	providerKey string,
+	paymentType PaymentType,
+	strategy Strategy,
+	orderAmount float64,
+) (*InstanceSelection, error) {
+	// Step 1: query enabled instances matching payment type.
+	instances, err := lb.queryEnabledInstances(ctx, providerKey, paymentType)
+	if err != nil {
+		return nil, err
+	}
+
+	// Step 2: batch-fetch daily usage for all candidates.
+	candidates := lb.attachDailyUsage(ctx, instances)
+
+	// Step 3: filter by limits.
+	available := filterByLimits(candidates, paymentType, orderAmount)
+	if len(available) == 0 {
+		slog.Warn("all instances exceeded limits, using full candidate list",
+			"provider", providerKey, "payment_type", paymentType,
+			"order_amount", orderAmount, "count", len(candidates))
+		available = candidates
+	}
+
+	// Step 4: pick by strategy.
+	selected := lb.pickByStrategy(available, strategy)
+	return lb.buildSelection(selected.inst)
+}
+
+// queryEnabledInstances returns enabled instances for providerKey that support paymentType.
+func (lb *DefaultLoadBalancer) queryEnabledInstances(
+	ctx context.Context,
+	providerKey string,
+	paymentType PaymentType,
+) ([]*dbent.PaymentProviderInstance, error) {
+	instances, err := lb.db.PaymentProviderInstance.Query().
+		Where(
+			paymentproviderinstance.ProviderKey(providerKey),
+			paymentproviderinstance.Enabled(true),
+		).
+		Order(dbent.Asc(paymentproviderinstance.FieldSortOrder)).
+		All(ctx)
+	if err != nil {
+		return nil, fmt.Errorf("query provider instances: %w", err)
+	}
+
+	var matched []*dbent.PaymentProviderInstance
+	for _, inst := range instances {
+		if paymentType == providerKey || InstanceSupportsType(inst.SupportedTypes, paymentType) {
+			matched = append(matched, inst)
+		}
+	}
+	if len(matched) == 0 {
+		return nil, fmt.Errorf("no enabled instance for provider %s type %s", providerKey, paymentType)
+	}
+	return matched, nil
+}
+
+// attachDailyUsage queries daily usage for each instance in a single pass.
+// Usage includes PENDING orders to avoid over-committing capacity.
+func (lb *DefaultLoadBalancer) attachDailyUsage(
+	ctx context.Context,
+	instances []*dbent.PaymentProviderInstance,
+) []instanceCandidate {
+	todayStart := startOfDay(time.Now())
+
+	// Collect instance IDs.
+	ids := make([]string, len(instances))
+	for i, inst := range instances {
+		ids[i] = fmt.Sprintf("%d", inst.ID)
+	}
+
+	// Batch query: sum pay_amount grouped by provider_instance_id.
+	type row struct {
+		InstanceID string  `json:"provider_instance_id"`
+		Sum        float64 `json:"sum"`
+	}
+	var rows []row
+	err := lb.db.PaymentOrder.Query().
+		Where(
+			paymentorder.ProviderInstanceIDIn(ids...),
+			paymentorder.StatusIn(
+				OrderStatusPending, OrderStatusPaid,
+				OrderStatusCompleted, OrderStatusRecharging,
+			),
+			paymentorder.CreatedAtGTE(todayStart),
+		).
+		GroupBy(paymentorder.FieldProviderInstanceID).
+		Aggregate(dbent.Sum(paymentorder.FieldPayAmount)).
+		Scan(ctx, &rows)
+	if err != nil {
+		slog.Warn("batch daily usage query failed, treating all as zero", "error", err)
+	}
+
+	usageMap := make(map[string]float64, len(rows))
+	for _, r := range rows {
+		usageMap[r.InstanceID] = r.Sum
+	}
+
+	candidates := make([]instanceCandidate, len(instances))
+	for i, inst := range instances {
+		candidates[i] = instanceCandidate{
+			inst:      inst,
+			dailyUsed: usageMap[fmt.Sprintf("%d", inst.ID)],
+		}
+	}
+	return candidates
+}
+
+// filterByLimits removes instances that cannot accommodate the order:
+//   - orderAmount outside single-transaction [min, max]
+//   - daily remaining capacity (limit - used) < orderAmount
+func filterByLimits(candidates []instanceCandidate, paymentType PaymentType, orderAmount float64) []instanceCandidate {
+	var result []instanceCandidate
+	for _, c := range candidates {
+		cl := getInstanceChannelLimits(c.inst, paymentType)
+
+		if cl.SingleMin > 0 && orderAmount < cl.SingleMin {
+			slog.Info("order below instance single min, skipping",
+				"instance_id", c.inst.ID, "order", orderAmount, "min", cl.SingleMin)
+			continue
+		}
+		if cl.SingleMax > 0 && orderAmount > cl.SingleMax {
+			slog.Info("order above instance single max, skipping",
+				"instance_id", c.inst.ID, "order", orderAmount, "max", cl.SingleMax)
+			continue
+		}
+		if cl.DailyLimit > 0 && c.dailyUsed+orderAmount > cl.DailyLimit {
+			slog.Info("instance daily remaining insufficient, skipping",
+				"instance_id", c.inst.ID, "used", c.dailyUsed,
+				"order", orderAmount, "limit", cl.DailyLimit)
+			continue
+		}
+
+		result = append(result, c)
+	}
+	return result
+}
+
+// getInstanceChannelLimits returns the channel limits for a specific payment type.
+func getInstanceChannelLimits(inst *dbent.PaymentProviderInstance, paymentType PaymentType) ChannelLimits {
+	if inst.Limits == "" {
+		return ChannelLimits{}
+	}
+	var limits InstanceLimits
+	if err := json.Unmarshal([]byte(inst.Limits), &limits); err != nil {
+		return ChannelLimits{}
+	}
+	// For Stripe, limits are stored under the provider key "stripe".
+	lookupKey := paymentType
+	if inst.ProviderKey == "stripe" {
+		lookupKey = "stripe"
+	}
+	if cl, ok := limits[lookupKey]; ok {
+		return cl
+	}
+	return ChannelLimits{}
+}
+
+// pickByStrategy selects one instance from the available candidates.
+func (lb *DefaultLoadBalancer) pickByStrategy(candidates []instanceCandidate, strategy Strategy) instanceCandidate {
+	if strategy == StrategyLeastAmount && len(candidates) > 1 {
+		return pickLeastAmount(candidates)
+	}
+	// Default: round-robin.
+	idx := lb.counter.Add(1) % uint64(len(candidates))
+	return candidates[idx]
+}
+
+// pickLeastAmount selects the instance with the lowest daily usage.
+// No extra DB queries — usage was pre-fetched in attachDailyUsage.
+func pickLeastAmount(candidates []instanceCandidate) instanceCandidate {
+	best := candidates[0]
+	for _, c := range candidates[1:] {
+		if c.dailyUsed < best.dailyUsed {
+			best = c
+		}
+	}
+	return best
+}
+
+func (lb *DefaultLoadBalancer) buildSelection(selected *dbent.PaymentProviderInstance) (*InstanceSelection, error) {
+	config, err := lb.decryptConfig(selected.Config)
+	if err != nil {
+		return nil, fmt.Errorf("decrypt instance %d config: %w", selected.ID, err)
+	}
+
+	if selected.PaymentMode != "" {
+		config["paymentMode"] = selected.PaymentMode
+	}
+
+	return &InstanceSelection{
+		InstanceID:     fmt.Sprintf("%d", selected.ID),
+		Config:         config,
+		SupportedTypes: selected.SupportedTypes,
+		PaymentMode:    selected.PaymentMode,
+	}, nil
+}
+
+func (lb *DefaultLoadBalancer) decryptConfig(encrypted string) (map[string]string, error) {
+	plaintext, err := Decrypt(encrypted, lb.encryptionKey)
+	if err != nil {
+		return nil, err
+	}
+	var config map[string]string
+	if err := json.Unmarshal([]byte(plaintext), &config); err != nil {
+		return nil, fmt.Errorf("unmarshal config: %w", err)
+	}
+	return config, nil
+}
+
+// GetInstanceDailyAmount returns the total completed order amount for an instance today.
+func (lb *DefaultLoadBalancer) GetInstanceDailyAmount(ctx context.Context, instanceID string) (float64, error) {
+	todayStart := startOfDay(time.Now())
+
+	var result []struct {
+		Sum float64 `json:"sum"`
+	}
+	err := lb.db.PaymentOrder.Query().
+		Where(
+			paymentorder.ProviderInstanceID(instanceID),
+			paymentorder.StatusIn(OrderStatusCompleted, OrderStatusPaid, OrderStatusRecharging),
+			paymentorder.PaidAtGTE(todayStart),
+		).
+		Aggregate(dbent.Sum(paymentorder.FieldPayAmount)).
+		Scan(ctx, &result)
+	if err != nil {
+		return 0, fmt.Errorf("query daily amount: %w", err)
+	}
+	if len(result) > 0 {
+		return result[0].Sum, nil
+	}
+	return 0, nil
+}
+
+func startOfDay(t time.Time) time.Time {
+	return time.Date(t.Year(), t.Month(), t.Day(), 0, 0, 0, 0, t.Location())
+}
+
+// InstanceSupportsType checks if the given supported types string includes the target type.
+// An empty supportedTypes string means all types are supported.
+func InstanceSupportsType(supportedTypes string, target PaymentType) bool {
+	if supportedTypes == "" {
+		return true
+	}
+	for _, t := range strings.Split(supportedTypes, ",") {
+		if strings.TrimSpace(t) == target {
+			return true
+		}
+	}
+	return false
+}
+
+// GetInstanceConfig decrypts and returns the configuration for a provider instance by ID.
+func (lb *DefaultLoadBalancer) GetInstanceConfig(ctx context.Context, instanceID int64) (map[string]string, error) {
+	inst, err := lb.db.PaymentProviderInstance.Get(ctx, instanceID)
+	if err != nil {
+		return nil, fmt.Errorf("get instance %d: %w", instanceID, err)
+	}
+	return lb.decryptConfig(inst.Config)
+}

backend/internal/payment/load_balancer_test.go

+//go:build unit
+
+package payment
+
+import (
+	"encoding/json"
+	"testing"
+	"time"
+
+	dbent "github.com/Wei-Shaw/sub2api/ent"
+)
+
+func TestInstanceSupportsType(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name           string
+		supportedTypes string
+		target         PaymentType
+		expected       bool
+	}{
+		{
+			name:           "exact match single type",
+			supportedTypes: "alipay",
+			target:         "alipay",
+			expected:       true,
+		},
+		{
+			name:           "no match single type",
+			supportedTypes: "wxpay",
+			target:         "alipay",
+			expected:       false,
+		},
+		{
+			name:           "match in comma-separated list",
+			supportedTypes: "alipay,wxpay,stripe",
+			target:         "wxpay",
+			expected:       true,
+		},
+		{
+			name:           "first in comma-separated list",
+			supportedTypes: "alipay,wxpay",
+			target:         "alipay",
+			expected:       true,
+		},
+		{
+			name:           "last in comma-separated list",
+			supportedTypes: "alipay,wxpay,stripe",
+			target:         "stripe",
+			expected:       true,
+		},
+		{
+			name:           "no match in comma-separated list",
+			supportedTypes: "alipay,wxpay",
+			target:         "stripe",
+			expected:       false,
+		},
+		{
+			name:           "empty target",
+			supportedTypes: "alipay,wxpay",
+			target:         "",
+			expected:       false,
+		},
+		{
+			name:           "types with spaces are trimmed",
+			supportedTypes: " alipay , wxpay ",
+			target:         "alipay",
+			expected:       true,
+		},
+		{
+			name:           "partial match should not succeed",
+			supportedTypes: "alipay_direct",
+			target:         "alipay",
+			expected:       false,
+		},
+		{
+			name:           "empty supported types means all supported",
+			supportedTypes: "",
+			target:         "alipay",
+			expected:       true,
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got := InstanceSupportsType(tt.supportedTypes, tt.target)
+			if got != tt.expected {
+				t.Fatalf("InstanceSupportsType(%q, %q) = %v, want %v", tt.supportedTypes, tt.target, got, tt.expected)
+			}
+		})
+	}
+}
+
+// ---------------------------------------------------------------------------
+// Helper to build test PaymentProviderInstance values
+// ---------------------------------------------------------------------------
+
+func testInstance(id int64, providerKey, limits string) *dbent.PaymentProviderInstance {
+	return &dbent.PaymentProviderInstance{
+		ID:          id,
+		ProviderKey: providerKey,
+		Limits:      limits,
+		Enabled:     true,
+	}
+}
+
+// makeLimitsJSON builds a limits JSON string for a single payment type.
+func makeLimitsJSON(paymentType string, cl ChannelLimits) string {
+	m := map[string]ChannelLimits{paymentType: cl}
+	b, _ := json.Marshal(m)
+	return string(b)
+}
+
+// ---------------------------------------------------------------------------
+// filterByLimits
+// ---------------------------------------------------------------------------
+
+func TestFilterByLimits(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name        string
+		candidates  []instanceCandidate
+		paymentType PaymentType
+		orderAmount float64
+		wantIDs     []int64 // expected surviving instance IDs
+	}{
+		{
+			name: "order below SingleMin is filtered out",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{SingleMin: 10})), dailyUsed: 0},
+			},
+			paymentType: "alipay",
+			orderAmount: 5,
+			wantIDs:     nil,
+		},
+		{
+			name: "order at exact SingleMin boundary passes",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{SingleMin: 10})), dailyUsed: 0},
+			},
+			paymentType: "alipay",
+			orderAmount: 10,
+			wantIDs:     []int64{1},
+		},
+		{
+			name: "order above SingleMax is filtered out",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{SingleMax: 100})), dailyUsed: 0},
+			},
+			paymentType: "alipay",
+			orderAmount: 150,
+			wantIDs:     nil,
+		},
+		{
+			name: "order at exact SingleMax boundary passes",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{SingleMax: 100})), dailyUsed: 0},
+			},
+			paymentType: "alipay",
+			orderAmount: 100,
+			wantIDs:     []int64{1},
+		},
+		{
+			name: "daily used + orderAmount exceeding dailyLimit is filtered out",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{DailyLimit: 500})), dailyUsed: 480},
+			},
+			paymentType: "alipay",
+			orderAmount: 30,
+			wantIDs:     nil, // 480+30=510 > 500
+		},
+		{
+			name: "daily used + orderAmount equal to dailyLimit passes (strict greater-than)",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{DailyLimit: 500})), dailyUsed: 480},
+			},
+			paymentType: "alipay",
+			orderAmount: 20,
+			wantIDs:     []int64{1}, // 480+20=500, 500 > 500 is false → passes
+		},
+		{
+			name: "daily used + orderAmount below dailyLimit passes",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{DailyLimit: 500})), dailyUsed: 400},
+			},
+			paymentType: "alipay",
+			orderAmount: 50,
+			wantIDs:     []int64{1},
+		},
+		{
+			name: "no limits configured passes through",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", ""), dailyUsed: 99999},
+			},
+			paymentType: "alipay",
+			orderAmount: 100,
+			wantIDs:     []int64{1},
+		},
+		{
+			name: "multiple candidates with partial filtering",
+			candidates: []instanceCandidate{
+				// singleMax=50, order=80 → filtered out
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{SingleMax: 50})), dailyUsed: 0},
+				// no limits → passes
+				{inst: testInstance(2, "easypay", ""), dailyUsed: 0},
+				// singleMin=100, order=80 → filtered out
+				{inst: testInstance(3, "easypay", makeLimitsJSON("alipay", ChannelLimits{SingleMin: 100})), dailyUsed: 0},
+				// daily limit ok → passes (500+80=580 < 1000)
+				{inst: testInstance(4, "easypay", makeLimitsJSON("alipay", ChannelLimits{DailyLimit: 1000})), dailyUsed: 500},
+			},
+			paymentType: "alipay",
+			orderAmount: 80,
+			wantIDs:     []int64{2, 4},
+		},
+		{
+			name: "zero SingleMin and SingleMax means no single-transaction limit",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{SingleMin: 0, SingleMax: 0, DailyLimit: 0})), dailyUsed: 0},
+			},
+			paymentType: "alipay",
+			orderAmount: 99999,
+			wantIDs:     []int64{1},
+		},
+		{
+			name: "all limits combined - order passes all checks",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{SingleMin: 10, SingleMax: 200, DailyLimit: 1000})), dailyUsed: 500},
+			},
+			paymentType: "alipay",
+			orderAmount: 50,
+			wantIDs:     []int64{1},
+		},
+		{
+			name: "all limits combined - order fails SingleMin",
+			candidates: []instanceCandidate{
+				{inst: testInstance(1, "easypay", makeLimitsJSON("alipay", ChannelLimits{SingleMin: 10, SingleMax: 200, DailyLimit: 1000})), dailyUsed: 500},
+			},
+			paymentType: "alipay",
+			orderAmount: 5,
+			wantIDs:     nil,
+		},
+		{
+			name: "empty candidates returns empty",
+			candidates:  nil,
+			paymentType: "alipay",
+			orderAmount: 10,
+			wantIDs:     nil,
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got := filterByLimits(tt.candidates, tt.paymentType, tt.orderAmount)
+			gotIDs := make([]int64, len(got))
+			for i, c := range got {
+				gotIDs[i] = c.inst.ID
+			}
+			if !int64SliceEqual(gotIDs, tt.wantIDs) {
+				t.Fatalf("filterByLimits() returned IDs %v, want %v", gotIDs, tt.wantIDs)
+			}
+		})
+	}
+}
+
+// ---------------------------------------------------------------------------
+// pickLeastAmount
+// ---------------------------------------------------------------------------
+
+func TestPickLeastAmount(t *testing.T) {
+	t.Parallel()
+
+	t.Run("picks candidate with lowest dailyUsed", func(t *testing.T) {
+		t.Parallel()
+		candidates := []instanceCandidate{
+			{inst: testInstance(1, "easypay", ""), dailyUsed: 300},
+			{inst: testInstance(2, "easypay", ""), dailyUsed: 100},
+			{inst: testInstance(3, "easypay", ""), dailyUsed: 200},
+		}
+		got := pickLeastAmount(candidates)
+		if got.inst.ID != 2 {
+			t.Fatalf("pickLeastAmount() picked instance %d, want 2", got.inst.ID)
+		}
+	})
+
+	t.Run("with equal dailyUsed picks the first one", func(t *testing.T) {
+		t.Parallel()
+		candidates := []instanceCandidate{
+			{inst: testInstance(1, "easypay", ""), dailyUsed: 100},
+			{inst: testInstance(2, "easypay", ""), dailyUsed: 100},
+			{inst: testInstance(3, "easypay", ""), dailyUsed: 200},
+		}
+		got := pickLeastAmount(candidates)
+		if got.inst.ID != 1 {
+			t.Fatalf("pickLeastAmount() picked instance %d, want 1 (first with lowest)", got.inst.ID)
+		}
+	})
+
+	t.Run("single candidate returns that candidate", func(t *testing.T) {
+		t.Parallel()
+		candidates := []instanceCandidate{
+			{inst: testInstance(42, "easypay", ""), dailyUsed: 999},
+		}
+		got := pickLeastAmount(candidates)
+		if got.inst.ID != 42 {
+			t.Fatalf("pickLeastAmount() picked instance %d, want 42", got.inst.ID)
+		}
+	})
+
+	t.Run("zero usage among non-zero picks zero", func(t *testing.T) {
+		t.Parallel()
+		candidates := []instanceCandidate{
+			{inst: testInstance(1, "easypay", ""), dailyUsed: 500},
+			{inst: testInstance(2, "easypay", ""), dailyUsed: 0},
+			{inst: testInstance(3, "easypay", ""), dailyUsed: 300},
+		}
+		got := pickLeastAmount(candidates)
+		if got.inst.ID != 2 {
+			t.Fatalf("pickLeastAmount() picked instance %d, want 2", got.inst.ID)
+		}
+	})
+}
+
+// ---------------------------------------------------------------------------
+// getInstanceChannelLimits
+// ---------------------------------------------------------------------------
+
+func TestGetInstanceChannelLimits(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name        string
+		inst        *dbent.PaymentProviderInstance
+		paymentType PaymentType
+		want        ChannelLimits
+	}{
+		{
+			name:        "empty limits string returns zero ChannelLimits",
+			inst:        testInstance(1, "easypay", ""),
+			paymentType: "alipay",
+			want:        ChannelLimits{},
+		},
+		{
+			name:        "invalid JSON returns zero ChannelLimits",
+			inst:        testInstance(1, "easypay", "not-json{"),
+			paymentType: "alipay",
+			want:        ChannelLimits{},
+		},
+		{
+			name: "valid JSON with matching payment type",
+			inst: testInstance(1, "easypay",
+				`{"alipay":{"singleMin":5,"singleMax":200,"dailyLimit":1000}}`),
+			paymentType: "alipay",
+			want:        ChannelLimits{SingleMin: 5, SingleMax: 200, DailyLimit: 1000},
+		},
+		{
+			name: "payment type not in limits returns zero ChannelLimits",
+			inst: testInstance(1, "easypay",
+				`{"alipay":{"singleMin":5,"singleMax":200}}`),
+			paymentType: "wxpay",
+			want:        ChannelLimits{},
+		},
+		{
+			name: "stripe provider uses stripe lookup key regardless of payment type",
+			inst: testInstance(1, "stripe",
+				`{"stripe":{"singleMin":10,"singleMax":500,"dailyLimit":5000}}`),
+			paymentType: "alipay",
+			want:        ChannelLimits{SingleMin: 10, SingleMax: 500, DailyLimit: 5000},
+		},
+		{
+			name: "stripe provider ignores payment type key even if present",
+			inst: testInstance(1, "stripe",
+				`{"stripe":{"singleMin":10,"singleMax":500},"alipay":{"singleMin":1,"singleMax":100}}`),
+			paymentType: "alipay",
+			want:        ChannelLimits{SingleMin: 10, SingleMax: 500},
+		},
+		{
+			name: "non-stripe provider uses payment type as lookup key",
+			inst: testInstance(1, "easypay",
+				`{"alipay":{"singleMin":5},"wxpay":{"singleMin":10}}`),
+			paymentType: "wxpay",
+			want:        ChannelLimits{SingleMin: 10},
+		},
+		{
+			name: "valid JSON with partial limits (only dailyLimit)",
+			inst: testInstance(1, "easypay",
+				`{"alipay":{"dailyLimit":800}}`),
+			paymentType: "alipay",
+			want:        ChannelLimits{DailyLimit: 800},
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got := getInstanceChannelLimits(tt.inst, tt.paymentType)
+			if got != tt.want {
+				t.Fatalf("getInstanceChannelLimits() = %+v, want %+v", got, tt.want)
+			}
+		})
+	}
+}
+
+// ---------------------------------------------------------------------------
+// startOfDay
+// ---------------------------------------------------------------------------
+
+func TestStartOfDay(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name string
+		in   time.Time
+		want time.Time
+	}{
+		{
+			name: "midday returns midnight of same day",
+			in:   time.Date(2025, 6, 15, 14, 30, 45, 123456789, time.UTC),
+			want: time.Date(2025, 6, 15, 0, 0, 0, 0, time.UTC),
+		},
+		{
+			name: "midnight returns same time",
+			in:   time.Date(2025, 1, 1, 0, 0, 0, 0, time.UTC),
+			want: time.Date(2025, 1, 1, 0, 0, 0, 0, time.UTC),
+		},
+		{
+			name: "last second of day returns midnight of same day",
+			in:   time.Date(2025, 12, 31, 23, 59, 59, 999999999, time.UTC),
+			want: time.Date(2025, 12, 31, 0, 0, 0, 0, time.UTC),
+		},
+		{
+			name: "preserves timezone location",
+			in:   time.Date(2025, 3, 10, 15, 0, 0, 0, time.FixedZone("CST", 8*3600)),
+			want: time.Date(2025, 3, 10, 0, 0, 0, 0, time.FixedZone("CST", 8*3600)),
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got := startOfDay(tt.in)
+			if !got.Equal(tt.want) {
+				t.Fatalf("startOfDay(%v) = %v, want %v", tt.in, got, tt.want)
+			}
+			// Also verify location is preserved.
+			if got.Location().String() != tt.want.Location().String() {
+				t.Fatalf("startOfDay() location = %v, want %v", got.Location(), tt.want.Location())
+			}
+		})
+	}
+}
+
+// ---------------------------------------------------------------------------
+// Helpers
+// ---------------------------------------------------------------------------
+
+// int64SliceEqual compares two int64 slices for equality.
+// Both nil and empty slices are treated as equal.
+func int64SliceEqual(a, b []int64) bool {
+	if len(a) == 0 && len(b) == 0 {
+		return true
+	}
+	if len(a) != len(b) {
+		return false
+	}
+	for i := range a {
+		if a[i] != b[i] {
+			return false
+		}
+	}
+	return true
+}

backend/internal/payment/provider/alipay.go

+package provider
+
+import (
+	"context"
+	"fmt"
+	"net/url"
+	"strconv"
+	"strings"
+	"sync"
+	"time"
+
+	"github.com/Wei-Shaw/sub2api/internal/payment"
+	"github.com/smartwalle/alipay/v3"
+)
+
+// Alipay product codes.
+const (
+	alipayProductCodePagePay = "FAST_INSTANT_TRADE_PAY"
+	alipayProductCodeWapPay  = "QUICK_WAP_WAY"
+)
+
+// Alipay response constants.
+const (
+	alipayFundChangeYes    = "Y"
+	alipayErrTradeNotExist = "ACQ.TRADE_NOT_EXIST"
+	alipayRefundSuffix     = "-refund"
+)
+
+// Alipay implements payment.Provider and payment.CancelableProvider using the smartwalle/alipay SDK.
+type Alipay struct {
+	instanceID string
+	config     map[string]string // appId, privateKey, publicKey (or alipayPublicKey), notifyUrl, returnUrl
+
+	mu     sync.Mutex
+	client *alipay.Client
+}
+
+// NewAlipay creates a new Alipay provider instance.
+func NewAlipay(instanceID string, config map[string]string) (*Alipay, error) {
+	required := []string{"appId", "privateKey"}
+	for _, k := range required {
+		if config[k] == "" {
+			return nil, fmt.Errorf("alipay config missing required key: %s", k)
+		}
+	}
+	return &Alipay{
+		instanceID: instanceID,
+		config:     config,
+	}, nil
+}
+
+func (a *Alipay) getClient() (*alipay.Client, error) {
+	a.mu.Lock()
+	defer a.mu.Unlock()
+	if a.client != nil {
+		return a.client, nil
+	}
+	client, err := alipay.New(a.config["appId"], a.config["privateKey"], true)
+	if err != nil {
+		return nil, fmt.Errorf("alipay init client: %w", err)
+	}
+	pubKey := a.config["publicKey"]
+	if pubKey == "" {
+		pubKey = a.config["alipayPublicKey"]
+	}
+	if pubKey == "" {
+		return nil, fmt.Errorf("alipay config missing required key: publicKey (or alipayPublicKey)")
+	}
+	if err := client.LoadAliPayPublicKey(pubKey); err != nil {
+		return nil, fmt.Errorf("alipay load public key: %w", err)
+	}
+	a.client = client
+	return a.client, nil
+}
+
+func (a *Alipay) Name() string        { return "Alipay" }
+func (a *Alipay) ProviderKey() string { return payment.TypeAlipay }
+func (a *Alipay) SupportedTypes() []payment.PaymentType {
+	return []payment.PaymentType{payment.TypeAlipayDirect}
+}
+
+// CreatePayment creates an Alipay payment page URL.
+func (a *Alipay) CreatePayment(_ context.Context, req payment.CreatePaymentRequest) (*payment.CreatePaymentResponse, error) {
+	client, err := a.getClient()
+	if err != nil {
+		return nil, err
+	}
+
+	notifyURL := a.config["notifyUrl"]
+	if req.NotifyURL != "" {
+		notifyURL = req.NotifyURL
+	}
+	returnURL := a.config["returnUrl"]
+	if req.ReturnURL != "" {
+		returnURL = req.ReturnURL
+	}
+
+	if req.IsMobile {
+		return a.createTrade(client, req, notifyURL, returnURL, true)
+	}
+	return a.createTrade(client, req, notifyURL, returnURL, false)
+}
+
+func (a *Alipay) createTrade(client *alipay.Client, req payment.CreatePaymentRequest, notifyURL, returnURL string, isMobile bool) (*payment.CreatePaymentResponse, error) {
+	if isMobile {
+		param := alipay.TradeWapPay{}
+		param.OutTradeNo = req.OrderID
+		param.TotalAmount = req.Amount
+		param.Subject = req.Subject
+		param.ProductCode = alipayProductCodeWapPay
+		param.NotifyURL = notifyURL
+		param.ReturnURL = returnURL
+
+		payURL, err := client.TradeWapPay(param)
+		if err != nil {
+			return nil, fmt.Errorf("alipay TradeWapPay: %w", err)
+		}
+		return &payment.CreatePaymentResponse{
+			TradeNo: req.OrderID,
+			PayURL:  payURL.String(),
+		}, nil
+	}
+
+	param := alipay.TradePagePay{}
+	param.OutTradeNo = req.OrderID
+	param.TotalAmount = req.Amount
+	param.Subject = req.Subject
+	param.ProductCode = alipayProductCodePagePay
+	param.NotifyURL = notifyURL
+	param.ReturnURL = returnURL
+
+	payURL, err := client.TradePagePay(param)
+	if err != nil {
+		return nil, fmt.Errorf("alipay TradePagePay: %w", err)
+	}
+	return &payment.CreatePaymentResponse{
+		TradeNo: req.OrderID,
+		PayURL:  payURL.String(),
+		QRCode:  payURL.String(),
+	}, nil
+}
+
+// QueryOrder queries the trade status via Alipay.
+func (a *Alipay) QueryOrder(ctx context.Context, tradeNo string) (*payment.QueryOrderResponse, error) {
+	client, err := a.getClient()
+	if err != nil {
+		return nil, err
+	}
+
+	result, err := client.TradeQuery(ctx, alipay.TradeQuery{OutTradeNo: tradeNo})
+	if err != nil {
+		if isTradeNotExist(err) {
+			return &payment.QueryOrderResponse{
+				TradeNo: tradeNo,
+				Status:  payment.ProviderStatusPending,
+			}, nil
+		}
+		return nil, fmt.Errorf("alipay TradeQuery: %w", err)
+	}
+
+	status := payment.ProviderStatusPending
+	switch result.TradeStatus {
+	case alipay.TradeStatusSuccess, alipay.TradeStatusFinished:
+		status = payment.ProviderStatusPaid
+	case alipay.TradeStatusClosed:
+		status = payment.ProviderStatusFailed
+	}
+
+	amount, err := strconv.ParseFloat(result.TotalAmount, 64)
+	if err != nil {
+		return nil, fmt.Errorf("alipay parse amount %q: %w", result.TotalAmount, err)
+	}
+
+	return &payment.QueryOrderResponse{
+		TradeNo: result.TradeNo,
+		Status:  status,
+		Amount:  amount,
+		PaidAt:  result.SendPayDate,
+	}, nil
+}
+
+// VerifyNotification decodes and verifies an Alipay async notification.
+func (a *Alipay) VerifyNotification(ctx context.Context, rawBody string, _ map[string]string) (*payment.PaymentNotification, error) {
+	client, err := a.getClient()
+	if err != nil {
+		return nil, err
+	}
+
+	values, err := url.ParseQuery(rawBody)
+	if err != nil {
+		return nil, fmt.Errorf("alipay parse notification: %w", err)
+	}
+
+	notification, err := client.DecodeNotification(ctx, values)
+	if err != nil {
+		return nil, fmt.Errorf("alipay verify notification: %w", err)
+	}
+
+	status := payment.ProviderStatusFailed
+	if notification.TradeStatus == alipay.TradeStatusSuccess || notification.TradeStatus == alipay.TradeStatusFinished {
+		status = payment.ProviderStatusSuccess
+	}
+
+	amount, err := strconv.ParseFloat(notification.TotalAmount, 64)
+	if err != nil {
+		return nil, fmt.Errorf("alipay parse notification amount %q: %w", notification.TotalAmount, err)
+	}
+
+	return &payment.PaymentNotification{
+		TradeNo: notification.TradeNo,
+		OrderID: notification.OutTradeNo,
+		Amount:  amount,
+		Status:  status,
+		RawData: rawBody,
+	}, nil
+}
+
+// Refund requests a refund through Alipay.
+func (a *Alipay) Refund(ctx context.Context, req payment.RefundRequest) (*payment.RefundResponse, error) {
+	client, err := a.getClient()
+	if err != nil {
+		return nil, err
+	}
+
+	result, err := client.TradeRefund(ctx, alipay.TradeRefund{
+		OutTradeNo:   req.OrderID,
+		RefundAmount: req.Amount,
+		RefundReason: req.Reason,
+		OutRequestNo: fmt.Sprintf("%s-refund-%d", req.OrderID, time.Now().UnixNano()),
+	})
+	if err != nil {
+		return nil, fmt.Errorf("alipay TradeRefund: %w", err)
+	}
+
+	refundStatus := payment.ProviderStatusPending
+	if result.FundChange == alipayFundChangeYes {
+		refundStatus = payment.ProviderStatusSuccess
+	}
+
+	refundID := result.TradeNo
+	if refundID == "" {
+		refundID = req.OrderID + alipayRefundSuffix
+	}
+
+	return &payment.RefundResponse{
+		RefundID: refundID,
+		Status:   refundStatus,
+	}, nil
+}
+
+// CancelPayment closes a pending trade on Alipay.
+func (a *Alipay) CancelPayment(ctx context.Context, tradeNo string) error {
+	client, err := a.getClient()
+	if err != nil {
+		return err
+	}
+
+	_, err = client.TradeClose(ctx, alipay.TradeClose{OutTradeNo: tradeNo})
+	if err != nil {
+		if isTradeNotExist(err) {
+			return nil
+		}
+		return fmt.Errorf("alipay TradeClose: %w", err)
+	}
+	return nil
+}
+
+func isTradeNotExist(err error) bool {
+	if err == nil {
+		return false
+	}
+	return strings.Contains(err.Error(), alipayErrTradeNotExist)
+}
+
+// Ensure interface compliance.
+var (
+	_ payment.Provider           = (*Alipay)(nil)
+	_ payment.CancelableProvider = (*Alipay)(nil)
+)

backend/internal/payment/provider/alipay_test.go

+//go:build unit
+
+package provider
+
+import (
+	"errors"
+	"strings"
+	"testing"
+)
+
+func TestIsTradeNotExist(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name string
+		err  error
+		want bool
+	}{
+		{
+			name: "nil error returns false",
+			err:  nil,
+			want: false,
+		},
+		{
+			name: "error containing ACQ.TRADE_NOT_EXIST returns true",
+			err:  errors.New("alipay: sub_code=ACQ.TRADE_NOT_EXIST, sub_msg=交易不存在"),
+			want: true,
+		},
+		{
+			name: "error not containing the code returns false",
+			err:  errors.New("alipay: sub_code=ACQ.SYSTEM_ERROR, sub_msg=系统错误"),
+			want: false,
+		},
+		{
+			name: "error with only partial match returns false",
+			err:  errors.New("ACQ.TRADE_NOT"),
+			want: false,
+		},
+		{
+			name: "error with exact constant value returns true",
+			err:  errors.New(alipayErrTradeNotExist),
+			want: true,
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got := isTradeNotExist(tt.err)
+			if got != tt.want {
+				t.Errorf("isTradeNotExist(%v) = %v, want %v", tt.err, got, tt.want)
+			}
+		})
+	}
+}
+
+func TestNewAlipay(t *testing.T) {
+	t.Parallel()
+
+	validConfig := map[string]string{
+		"appId":      "2021001234567890",
+		"privateKey": "MIIEvQIBADANBgkqhkiG9w0BAQEFAASC...",
+	}
+
+	// helper to clone and override config fields
+	withOverride := func(overrides map[string]string) map[string]string {
+		cfg := make(map[string]string, len(validConfig))
+		for k, v := range validConfig {
+			cfg[k] = v
+		}
+		for k, v := range overrides {
+			cfg[k] = v
+		}
+		return cfg
+	}
+
+	tests := []struct {
+		name      string
+		config    map[string]string
+		wantErr   bool
+		errSubstr string
+	}{
+		{
+			name:    "valid config succeeds",
+			config:  validConfig,
+			wantErr: false,
+		},
+		{
+			name:      "missing appId",
+			config:    withOverride(map[string]string{"appId": ""}),
+			wantErr:   true,
+			errSubstr: "appId",
+		},
+		{
+			name:      "missing privateKey",
+			config:    withOverride(map[string]string{"privateKey": ""}),
+			wantErr:   true,
+			errSubstr: "privateKey",
+		},
+		{
+			name:    "nil config map returns error for appId",
+			config:  map[string]string{},
+			wantErr: true,
+			errSubstr: "appId",
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got, err := NewAlipay("test-instance", tt.config)
+			if tt.wantErr {
+				if err == nil {
+					t.Fatal("expected error, got nil")
+				}
+				if tt.errSubstr != "" && !strings.Contains(err.Error(), tt.errSubstr) {
+					t.Errorf("error %q should contain %q", err.Error(), tt.errSubstr)
+				}
+				return
+			}
+			if err != nil {
+				t.Fatalf("unexpected error: %v", err)
+			}
+			if got == nil {
+				t.Fatal("expected non-nil Alipay instance")
+			}
+			if got.instanceID != "test-instance" {
+				t.Errorf("instanceID = %q, want %q", got.instanceID, "test-instance")
+			}
+		})
+	}
+}

backend/internal/payment/provider/easypay.go

+// Package provider contains concrete payment provider implementations.
+package provider
+
+import (
+	"context"
+	"crypto/hmac"
+	"crypto/md5"
+	"encoding/hex"
+	"encoding/json"
+	"fmt"
+	"io"
+	"net/http"
+	"net/url"
+	"sort"
+	"strconv"
+	"strings"
+	"time"
+
+	"github.com/Wei-Shaw/sub2api/internal/payment"
+)
+
+// EasyPay constants.
+const (
+	easypayCodeSuccess     = 1
+	easypayStatusPaid      = 1
+	easypayHTTPTimeout     = 10 * time.Second
+	maxEasypayResponseSize = 1 << 20 // 1MB
+	tradeStatusSuccess     = "TRADE_SUCCESS"
+	signTypeMD5            = "MD5"
+	paymentModePopup       = "popup"
+	deviceMobile           = "mobile"
+)
+
+// EasyPay implements payment.Provider for the EasyPay aggregation platform.
+type EasyPay struct {
+	instanceID string
+	config     map[string]string
+	httpClient *http.Client
+}
+
+// NewEasyPay creates a new EasyPay provider.
+// config keys: pid, pkey, apiBase, notifyUrl, returnUrl, cid, cidAlipay, cidWxpay
+func NewEasyPay(instanceID string, config map[string]string) (*EasyPay, error) {
+	for _, k := range []string{"pid", "pkey", "apiBase", "notifyUrl", "returnUrl"} {
+		if config[k] == "" {
+			return nil, fmt.Errorf("easypay config missing required key: %s", k)
+		}
+	}
+	return &EasyPay{
+		instanceID: instanceID,
+		config:     config,
+		httpClient: &http.Client{Timeout: easypayHTTPTimeout},
+	}, nil
+}
+
+func (e *EasyPay) Name() string        { return "EasyPay" }
+func (e *EasyPay) ProviderKey() string { return payment.TypeEasyPay }
+func (e *EasyPay) SupportedTypes() []payment.PaymentType {
+	return []payment.PaymentType{payment.TypeAlipay, payment.TypeWxpay}
+}
+
+func (e *EasyPay) CreatePayment(ctx context.Context, req payment.CreatePaymentRequest) (*payment.CreatePaymentResponse, error) {
+	// Payment mode determined by instance config, not payment type.
+	// "popup" → hosted page (submit.php); "qrcode"/default → API call (mapi.php).
+	mode := e.config["paymentMode"]
+	if mode == paymentModePopup {
+		return e.createRedirectPayment(req)
+	}
+	return e.createAPIPayment(ctx, req)
+}
+
+// createRedirectPayment builds a submit.php URL for browser redirect.
+// No server-side API call — the user is redirected to EasyPay's hosted page.
+// TradeNo is empty; it arrives via the notify callback after payment.
+func (e *EasyPay) createRedirectPayment(req payment.CreatePaymentRequest) (*payment.CreatePaymentResponse, error) {
+	notifyURL, returnURL := e.resolveURLs(req)
+	params := map[string]string{
+		"pid": e.config["pid"], "type": req.PaymentType,
+		"out_trade_no": req.OrderID, "notify_url": notifyURL,
+		"return_url": returnURL, "name": req.Subject,
+		"money": req.Amount,
+	}
+	if cid := e.resolveCID(req.PaymentType); cid != "" {
+		params["cid"] = cid
+	}
+	if req.IsMobile {
+		params["device"] = deviceMobile
+	}
+	params["sign"] = easyPaySign(params, e.config["pkey"])
+	params["sign_type"] = signTypeMD5
+
+	q := url.Values{}
+	for k, v := range params {
+		q.Set(k, v)
+	}
+	base := strings.TrimRight(e.config["apiBase"], "/")
+	payURL := base + "/submit.php?" + q.Encode()
+	return &payment.CreatePaymentResponse{PayURL: payURL}, nil
+}
+
+// createAPIPayment calls mapi.php to get payurl/qrcode (existing behavior).
+func (e *EasyPay) createAPIPayment(ctx context.Context, req payment.CreatePaymentRequest) (*payment.CreatePaymentResponse, error) {
+	notifyURL, returnURL := e.resolveURLs(req)
+	params := map[string]string{
+		"pid": e.config["pid"], "type": req.PaymentType,
+		"out_trade_no": req.OrderID, "notify_url": notifyURL,
+		"return_url": returnURL, "name": req.Subject,
+		"money": req.Amount, "clientip": req.ClientIP,
+	}
+	if cid := e.resolveCID(req.PaymentType); cid != "" {
+		params["cid"] = cid
+	}
+	if req.IsMobile {
+		params["device"] = deviceMobile
+	}
+	params["sign"] = easyPaySign(params, e.config["pkey"])
+	params["sign_type"] = signTypeMD5
+
+	body, err := e.post(ctx, strings.TrimRight(e.config["apiBase"], "/")+"/mapi.php", params)
+	if err != nil {
+		return nil, fmt.Errorf("easypay create: %w", err)
+	}
+	var resp struct {
+		Code    int    `json:"code"`
+		Msg     string `json:"msg"`
+		TradeNo string `json:"trade_no"`
+		PayURL  string `json:"payurl"`
+		PayURL2 string `json:"payurl2"` // H5 mobile payment URL
+		QRCode  string `json:"qrcode"`
+	}
+	if err := json.Unmarshal(body, &resp); err != nil {
+		return nil, fmt.Errorf("easypay parse: %w", err)
+	}
+	if resp.Code != easypayCodeSuccess {
+		return nil, fmt.Errorf("easypay error: %s", resp.Msg)
+	}
+	payURL := resp.PayURL
+	if req.IsMobile && resp.PayURL2 != "" {
+		payURL = resp.PayURL2
+	}
+	return &payment.CreatePaymentResponse{TradeNo: resp.TradeNo, PayURL: payURL, QRCode: resp.QRCode}, nil
+}
+
+// resolveURLs returns (notifyURL, returnURL) preferring request values,
+// falling back to instance config.
+func (e *EasyPay) resolveURLs(req payment.CreatePaymentRequest) (string, string) {
+	notifyURL := req.NotifyURL
+	if notifyURL == "" {
+		notifyURL = e.config["notifyUrl"]
+	}
+	returnURL := req.ReturnURL
+	if returnURL == "" {
+		returnURL = e.config["returnUrl"]
+	}
+	return notifyURL, returnURL
+}
+
+func (e *EasyPay) QueryOrder(ctx context.Context, tradeNo string) (*payment.QueryOrderResponse, error) {
+	params := map[string]string{
+		"act": "order", "pid": e.config["pid"],
+		"key": e.config["pkey"], "out_trade_no": tradeNo,
+	}
+	body, err := e.post(ctx, e.config["apiBase"]+"/api.php", params)
+	if err != nil {
+		return nil, fmt.Errorf("easypay query: %w", err)
+	}
+	var resp struct {
+		Code   int    `json:"code"`
+		Msg    string `json:"msg"`
+		Status int    `json:"status"`
+		Money  string `json:"money"`
+	}
+	if err := json.Unmarshal(body, &resp); err != nil {
+		return nil, fmt.Errorf("easypay parse query: %w", err)
+	}
+	status := payment.ProviderStatusPending
+	if resp.Status == easypayStatusPaid {
+		status = payment.ProviderStatusPaid
+	}
+	amount, _ := strconv.ParseFloat(resp.Money, 64)
+	return &payment.QueryOrderResponse{TradeNo: tradeNo, Status: status, Amount: amount}, nil
+}
+
+func (e *EasyPay) VerifyNotification(_ context.Context, rawBody string, _ map[string]string) (*payment.PaymentNotification, error) {
+	values, err := url.ParseQuery(rawBody)
+	if err != nil {
+		return nil, fmt.Errorf("parse notify: %w", err)
+	}
+	// url.ParseQuery already decodes values — no additional decode needed.
+	params := make(map[string]string)
+	for k := range values {
+		params[k] = values.Get(k)
+	}
+	sign := params["sign"]
+	if sign == "" {
+		return nil, fmt.Errorf("missing sign")
+	}
+	if !easyPayVerifySign(params, e.config["pkey"], sign) {
+		return nil, fmt.Errorf("invalid signature")
+	}
+	status := payment.ProviderStatusFailed
+	if params["trade_status"] == tradeStatusSuccess {
+		status = payment.ProviderStatusSuccess
+	}
+	amount, _ := strconv.ParseFloat(params["money"], 64)
+	return &payment.PaymentNotification{
+		TradeNo: params["trade_no"], OrderID: params["out_trade_no"],
+		Amount: amount, Status: status, RawData: rawBody,
+	}, nil
+}
+
+func (e *EasyPay) Refund(ctx context.Context, req payment.RefundRequest) (*payment.RefundResponse, error) {
+	params := map[string]string{
+		"pid": e.config["pid"], "key": e.config["pkey"],
+		"trade_no": req.TradeNo, "out_trade_no": req.OrderID, "money": req.Amount,
+	}
+	body, err := e.post(ctx, e.config["apiBase"]+"/api.php?act=refund", params)
+	if err != nil {
+		return nil, fmt.Errorf("easypay refund: %w", err)
+	}
+	var resp struct {
+		Code int    `json:"code"`
+		Msg  string `json:"msg"`
+	}
+	if err := json.Unmarshal(body, &resp); err != nil {
+		return nil, fmt.Errorf("easypay parse refund: %w", err)
+	}
+	if resp.Code != easypayCodeSuccess {
+		return nil, fmt.Errorf("easypay refund failed: %s", resp.Msg)
+	}
+	return &payment.RefundResponse{RefundID: req.TradeNo, Status: payment.ProviderStatusSuccess}, nil
+}
+
+func (e *EasyPay) resolveCID(paymentType string) string {
+	if strings.HasPrefix(paymentType, "alipay") {
+		if v := e.config["cidAlipay"]; v != "" {
+			return v
+		}
+		return e.config["cid"]
+	}
+	if v := e.config["cidWxpay"]; v != "" {
+		return v
+	}
+	return e.config["cid"]
+}
+
+func (e *EasyPay) post(ctx context.Context, endpoint string, params map[string]string) ([]byte, error) {
+	form := url.Values{}
+	for k, v := range params {
+		form.Set(k, v)
+	}
+	req, err := http.NewRequestWithContext(ctx, http.MethodPost, endpoint, strings.NewReader(form.Encode()))
+	if err != nil {
+		return nil, err
+	}
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	resp, err := e.httpClient.Do(req)
+	if err != nil {
+		return nil, err
+	}
+	defer func() { _ = resp.Body.Close() }()
+	return io.ReadAll(io.LimitReader(resp.Body, maxEasypayResponseSize))
+}
+
+func easyPaySign(params map[string]string, pkey string) string {
+	keys := make([]string, 0, len(params))
+	for k, v := range params {
+		if k == "sign" || k == "sign_type" || v == "" {
+			continue
+		}
+		keys = append(keys, k)
+	}
+	sort.Strings(keys)
+	var buf strings.Builder
+	for i, k := range keys {
+		if i > 0 {
+			_ = buf.WriteByte('&')
+		}
+		_, _ = buf.WriteString(k + "=" + params[k])
+	}
+	_, _ = buf.WriteString(pkey)
+	hash := md5.Sum([]byte(buf.String()))
+	return hex.EncodeToString(hash[:])
+}
+
+func easyPayVerifySign(params map[string]string, pkey string, sign string) bool {
+	return hmac.Equal([]byte(easyPaySign(params, pkey)), []byte(sign))
+}

backend/internal/payment/provider/easypay_sign_test.go

+package provider
+
+import (
+	"testing"
+)
+
+func TestEasyPaySignConsistentOutput(t *testing.T) {
+	t.Parallel()
+
+	params := map[string]string{
+		"pid":          "1001",
+		"type":         "alipay",
+		"out_trade_no": "ORDER123",
+		"name":         "Test Product",
+		"money":        "10.00",
+	}
+	pkey := "test_secret_key"
+
+	sign1 := easyPaySign(params, pkey)
+	sign2 := easyPaySign(params, pkey)
+	if sign1 != sign2 {
+		t.Fatalf("easyPaySign should be deterministic: %q != %q", sign1, sign2)
+	}
+	if len(sign1) != 32 {
+		t.Fatalf("MD5 hex should be 32 chars, got %d", len(sign1))
+	}
+}
+
+func TestEasyPaySignExcludesSignAndSignType(t *testing.T) {
+	t.Parallel()
+
+	pkey := "my_key"
+	base := map[string]string{
+		"pid":  "1001",
+		"type": "alipay",
+	}
+	withSign := map[string]string{
+		"pid":       "1001",
+		"type":      "alipay",
+		"sign":      "should_be_ignored",
+		"sign_type": "MD5",
+	}
+
+	signBase := easyPaySign(base, pkey)
+	signWithExtra := easyPaySign(withSign, pkey)
+
+	if signBase != signWithExtra {
+		t.Fatalf("sign and sign_type should be excluded: base=%q, withExtra=%q", signBase, signWithExtra)
+	}
+}
+
+func TestEasyPaySignExcludesEmptyValues(t *testing.T) {
+	t.Parallel()
+
+	pkey := "key123"
+	base := map[string]string{
+		"pid":  "1001",
+		"type": "alipay",
+	}
+	withEmpty := map[string]string{
+		"pid":      "1001",
+		"type":     "alipay",
+		"device":   "",
+		"clientip": "",
+	}
+
+	signBase := easyPaySign(base, pkey)
+	signWithEmpty := easyPaySign(withEmpty, pkey)
+
+	if signBase != signWithEmpty {
+		t.Fatalf("empty values should be excluded: base=%q, withEmpty=%q", signBase, signWithEmpty)
+	}
+}
+
+func TestEasyPayVerifySignValid(t *testing.T) {
+	t.Parallel()
+
+	params := map[string]string{
+		"pid":          "1001",
+		"type":         "alipay",
+		"out_trade_no": "ORDER456",
+		"money":        "25.00",
+	}
+	pkey := "secret"
+
+	sign := easyPaySign(params, pkey)
+
+	// Add sign to params (as would come in a real callback)
+	params["sign"] = sign
+	params["sign_type"] = "MD5"
+
+	if !easyPayVerifySign(params, pkey, sign) {
+		t.Fatal("easyPayVerifySign should return true for a valid signature")
+	}
+}
+
+func TestEasyPayVerifySignTampered(t *testing.T) {
+	t.Parallel()
+
+	params := map[string]string{
+		"pid":          "1001",
+		"type":         "alipay",
+		"out_trade_no": "ORDER789",
+		"money":        "50.00",
+	}
+	pkey := "secret"
+
+	sign := easyPaySign(params, pkey)
+
+	// Tamper with the amount
+	params["money"] = "99.99"
+
+	if easyPayVerifySign(params, pkey, sign) {
+		t.Fatal("easyPayVerifySign should return false for tampered params")
+	}
+}
+
+func TestEasyPayVerifySignWrongKey(t *testing.T) {
+	t.Parallel()
+
+	params := map[string]string{
+		"pid":  "1001",
+		"type": "wxpay",
+	}
+
+	sign := easyPaySign(params, "correct_key")
+
+	if easyPayVerifySign(params, "wrong_key", sign) {
+		t.Fatal("easyPayVerifySign should return false with wrong key")
+	}
+}
+
+func TestEasyPaySignEmptyParams(t *testing.T) {
+	t.Parallel()
+
+	sign := easyPaySign(map[string]string{}, "key123")
+	if sign == "" {
+		t.Fatal("easyPaySign with empty params should still produce a hash")
+	}
+	if len(sign) != 32 {
+		t.Fatalf("MD5 hex should be 32 chars, got %d", len(sign))
+	}
+}
+
+func TestEasyPaySignSortOrder(t *testing.T) {
+	t.Parallel()
+
+	pkey := "test_key"
+	params1 := map[string]string{
+		"a": "1",
+		"b": "2",
+		"c": "3",
+	}
+	params2 := map[string]string{
+		"c": "3",
+		"a": "1",
+		"b": "2",
+	}
+
+	sign1 := easyPaySign(params1, pkey)
+	sign2 := easyPaySign(params2, pkey)
+
+	if sign1 != sign2 {
+		t.Fatalf("easyPaySign should be order-independent: %q != %q", sign1, sign2)
+	}
+}
+
+func TestEasyPayVerifySignWrongSignValue(t *testing.T) {
+	t.Parallel()
+
+	params := map[string]string{
+		"pid":  "1001",
+		"type": "alipay",
+	}
+	pkey := "key"
+
+	if easyPayVerifySign(params, pkey, "00000000000000000000000000000000") {
+		t.Fatal("easyPayVerifySign should return false for an incorrect sign value")
+	}
+}

backend/internal/payment/provider/factory.go

+package provider
+
+import (
+	"fmt"
+
+	"github.com/Wei-Shaw/sub2api/internal/payment"
+)
+
+// CreateProvider creates a Provider from a provider key, instance ID and decrypted config.
+func CreateProvider(providerKey string, instanceID string, config map[string]string) (payment.Provider, error) {
+	switch providerKey {
+	case payment.TypeEasyPay:
+		return NewEasyPay(instanceID, config)
+	case payment.TypeAlipay:
+		return NewAlipay(instanceID, config)
+	case payment.TypeWxpay:
+		return NewWxpay(instanceID, config)
+	case payment.TypeStripe:
+		return NewStripe(instanceID, config)
+	default:
+		return nil, fmt.Errorf("unknown provider key: %s", providerKey)
+	}
+}

backend/internal/payment/provider/stripe.go

+package provider
+
+import (
+	"context"
+	"encoding/json"
+	"fmt"
+	"strings"
+	"sync"
+
+	"github.com/Wei-Shaw/sub2api/internal/payment"
+	stripe "github.com/stripe/stripe-go/v85"
+	"github.com/stripe/stripe-go/v85/webhook"
+)
+
+// Stripe constants.
+const (
+	stripeCurrency            = "cny"
+	stripeEventPaymentSuccess = "payment_intent.succeeded"
+	stripeEventPaymentFailed  = "payment_intent.payment_failed"
+)
+
+// Stripe implements the payment.CancelableProvider interface for Stripe payments.
+type Stripe struct {
+	instanceID string
+	config     map[string]string
+
+	mu          sync.Mutex
+	initialized bool
+	sc          *stripe.Client
+}
+
+// NewStripe creates a new Stripe provider instance.
+func NewStripe(instanceID string, config map[string]string) (*Stripe, error) {
+	if config["secretKey"] == "" {
+		return nil, fmt.Errorf("stripe config missing required key: secretKey")
+	}
+	return &Stripe{
+		instanceID: instanceID,
+		config:     config,
+	}, nil
+}
+
+func (s *Stripe) ensureInit() {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	if !s.initialized {
+		s.sc = stripe.NewClient(s.config["secretKey"])
+		s.initialized = true
+	}
+}
+
+// GetPublishableKey returns the publishable key for frontend use.
+func (s *Stripe) GetPublishableKey() string {
+	return s.config["publishableKey"]
+}
+
+func (s *Stripe) Name() string        { return "Stripe" }
+func (s *Stripe) ProviderKey() string { return payment.TypeStripe }
+func (s *Stripe) SupportedTypes() []payment.PaymentType {
+	return []payment.PaymentType{payment.TypeStripe}
+}
+
+// stripePaymentMethodTypes maps our PaymentType to Stripe payment_method_types.
+var stripePaymentMethodTypes = map[string][]string{
+	payment.TypeCard:   {"card"},
+	payment.TypeAlipay: {"alipay"},
+	payment.TypeWxpay:  {"wechat_pay"},
+	payment.TypeLink:   {"link"},
+}
+
+// CreatePayment creates a Stripe PaymentIntent.
+func (s *Stripe) CreatePayment(ctx context.Context, req payment.CreatePaymentRequest) (*payment.CreatePaymentResponse, error) {
+	s.ensureInit()
+
+	amountInCents, err := payment.YuanToFen(req.Amount)
+	if err != nil {
+		return nil, fmt.Errorf("stripe create payment: %w", err)
+	}
+
+	// Collect all Stripe payment_method_types from the instance's configured sub-methods
+	methods := resolveStripeMethodTypes(req.InstanceSubMethods)
+
+	pmTypes := make([]*string, len(methods))
+	for i, m := range methods {
+		pmTypes[i] = stripe.String(m)
+	}
+
+	params := &stripe.PaymentIntentCreateParams{
+		Amount:             stripe.Int64(amountInCents),
+		Currency:           stripe.String(stripeCurrency),
+		PaymentMethodTypes: pmTypes,
+		Description:        stripe.String(req.Subject),
+		Metadata:           map[string]string{"orderId": req.OrderID},
+	}
+
+	// WeChat Pay requires payment_method_options with client type
+	if hasStripeMethod(methods, "wechat_pay") {
+		params.PaymentMethodOptions = &stripe.PaymentIntentCreatePaymentMethodOptionsParams{
+			WeChatPay: &stripe.PaymentIntentCreatePaymentMethodOptionsWeChatPayParams{
+				Client: stripe.String("web"),
+			},
+		}
+	}
+
+	params.SetIdempotencyKey(fmt.Sprintf("pi-%s", req.OrderID))
+	params.Context = ctx
+
+	pi, err := s.sc.V1PaymentIntents.Create(ctx, params)
+	if err != nil {
+		return nil, fmt.Errorf("stripe create payment: %w", err)
+	}
+
+	return &payment.CreatePaymentResponse{
+		TradeNo:      pi.ID,
+		ClientSecret: pi.ClientSecret,
+	}, nil
+}
+
+// QueryOrder retrieves a PaymentIntent by ID.
+func (s *Stripe) QueryOrder(ctx context.Context, tradeNo string) (*payment.QueryOrderResponse, error) {
+	s.ensureInit()
+
+	pi, err := s.sc.V1PaymentIntents.Retrieve(ctx, tradeNo, nil)
+	if err != nil {
+		return nil, fmt.Errorf("stripe query order: %w", err)
+	}
+
+	status := payment.ProviderStatusPending
+	switch pi.Status {
+	case stripe.PaymentIntentStatusSucceeded:
+		status = payment.ProviderStatusPaid
+	case stripe.PaymentIntentStatusCanceled:
+		status = payment.ProviderStatusFailed
+	}
+
+	return &payment.QueryOrderResponse{
+		TradeNo: pi.ID,
+		Status:  status,
+		Amount:  payment.FenToYuan(pi.Amount),
+	}, nil
+}
+
+// VerifyNotification verifies a Stripe webhook event.
+func (s *Stripe) VerifyNotification(_ context.Context, rawBody string, headers map[string]string) (*payment.PaymentNotification, error) {
+	s.ensureInit()
+
+	webhookSecret := s.config["webhookSecret"]
+	if webhookSecret == "" {
+		return nil, fmt.Errorf("stripe webhookSecret not configured")
+	}
+
+	sig := headers["stripe-signature"]
+	if sig == "" {
+		return nil, fmt.Errorf("stripe notification missing stripe-signature header")
+	}
+
+	event, err := webhook.ConstructEvent([]byte(rawBody), sig, webhookSecret)
+	if err != nil {
+		return nil, fmt.Errorf("stripe verify notification: %w", err)
+	}
+
+	switch event.Type {
+	case stripeEventPaymentSuccess:
+		return parseStripePaymentIntent(&event, payment.ProviderStatusSuccess, rawBody)
+	case stripeEventPaymentFailed:
+		return parseStripePaymentIntent(&event, payment.ProviderStatusFailed, rawBody)
+	}
+
+	return nil, nil
+}
+
+func parseStripePaymentIntent(event *stripe.Event, status string, rawBody string) (*payment.PaymentNotification, error) {
+	var pi stripe.PaymentIntent
+	if err := json.Unmarshal(event.Data.Raw, &pi); err != nil {
+		return nil, fmt.Errorf("stripe parse payment_intent: %w", err)
+	}
+	return &payment.PaymentNotification{
+		TradeNo: pi.ID,
+		OrderID: pi.Metadata["orderId"],
+		Amount:  payment.FenToYuan(pi.Amount),
+		Status:  status,
+		RawData: rawBody,
+	}, nil
+}
+
+// Refund creates a Stripe refund.
+func (s *Stripe) Refund(ctx context.Context, req payment.RefundRequest) (*payment.RefundResponse, error) {
+	s.ensureInit()
+
+	amountInCents, err := payment.YuanToFen(req.Amount)
+	if err != nil {
+		return nil, fmt.Errorf("stripe refund: %w", err)
+	}
+
+	params := &stripe.RefundCreateParams{
+		PaymentIntent: stripe.String(req.TradeNo),
+		Amount:        stripe.Int64(amountInCents),
+		Reason:        stripe.String(string(stripe.RefundReasonRequestedByCustomer)),
+	}
+	params.Context = ctx
+
+	r, err := s.sc.V1Refunds.Create(ctx, params)
+	if err != nil {
+		return nil, fmt.Errorf("stripe refund: %w", err)
+	}
+
+	refundStatus := payment.ProviderStatusPending
+	if r.Status == stripe.RefundStatusSucceeded {
+		refundStatus = payment.ProviderStatusSuccess
+	}
+
+	return &payment.RefundResponse{
+		RefundID: r.ID,
+		Status:   refundStatus,
+	}, nil
+}
+
+// resolveStripeMethodTypes converts instance supported_types (comma-separated)
+// into Stripe API payment_method_types. Falls back to ["card"] if empty.
+func resolveStripeMethodTypes(instanceSubMethods string) []string {
+	if instanceSubMethods == "" {
+		return []string{"card"}
+	}
+	var methods []string
+	for _, t := range strings.Split(instanceSubMethods, ",") {
+		t = strings.TrimSpace(t)
+		if mapped, ok := stripePaymentMethodTypes[t]; ok {
+			methods = append(methods, mapped...)
+		}
+	}
+	if len(methods) == 0 {
+		return []string{"card"}
+	}
+	return methods
+}
+
+// hasStripeMethod checks if the given Stripe method list contains the target method.
+func hasStripeMethod(methods []string, target string) bool {
+	for _, m := range methods {
+		if m == target {
+			return true
+		}
+	}
+	return false
+}
+
+// CancelPayment cancels a pending PaymentIntent.
+func (s *Stripe) CancelPayment(ctx context.Context, tradeNo string) error {
+	s.ensureInit()
+
+	_, err := s.sc.V1PaymentIntents.Cancel(ctx, tradeNo, nil)
+	if err != nil {
+		return fmt.Errorf("stripe cancel payment: %w", err)
+	}
+	return nil
+}
+
+// Ensure interface compliance.
+var (
+	_ payment.Provider           = (*Stripe)(nil)
+	_ payment.CancelableProvider = (*Stripe)(nil)
+)

backend/internal/payment/provider/wxpay.go

+package provider
+
+import (
+	"bytes"
+	"context"
+	"crypto/rsa"
+	"fmt"
+	"io"
+	"log/slog"
+	"net/http"
+	"strings"
+	"sync"
+	"time"
+
+	"github.com/Wei-Shaw/sub2api/internal/payment"
+	"github.com/wechatpay-apiv3/wechatpay-go/core"
+	"github.com/wechatpay-apiv3/wechatpay-go/core/auth/verifiers"
+	"github.com/wechatpay-apiv3/wechatpay-go/core/notify"
+	"github.com/wechatpay-apiv3/wechatpay-go/core/option"
+	"github.com/wechatpay-apiv3/wechatpay-go/services/payments"
+	"github.com/wechatpay-apiv3/wechatpay-go/services/payments/h5"
+	"github.com/wechatpay-apiv3/wechatpay-go/services/payments/native"
+	"github.com/wechatpay-apiv3/wechatpay-go/services/refunddomestic"
+	"github.com/wechatpay-apiv3/wechatpay-go/utils"
+)
+
+// WeChat Pay constants.
+const (
+	wxpayCurrency = "CNY"
+	wxpayH5Type   = "Wap"
+)
+
+// WeChat Pay trade states.
+const (
+	wxpayTradeStateSuccess  = "SUCCESS"
+	wxpayTradeStateRefund   = "REFUND"
+	wxpayTradeStateClosed   = "CLOSED"
+	wxpayTradeStatePayError = "PAYERROR"
+)
+
+// WeChat Pay notification event types.
+const (
+	wxpayEventTransactionSuccess = "TRANSACTION.SUCCESS"
+)
+
+// WeChat Pay error codes.
+const (
+	wxpayErrNoAuth = "NO_AUTH"
+)
+
+type Wxpay struct {
+	instanceID    string
+	config        map[string]string
+	mu            sync.Mutex
+	coreClient    *core.Client
+	notifyHandler *notify.Handler
+}
+
+func NewWxpay(instanceID string, config map[string]string) (*Wxpay, error) {
+	required := []string{"appId", "mchId", "privateKey", "apiV3Key", "publicKey", "publicKeyId", "certSerial"}
+	for _, k := range required {
+		if config[k] == "" {
+			return nil, fmt.Errorf("wxpay config missing required key: %s", k)
+		}
+	}
+	if len(config["apiV3Key"]) != 32 {
+		return nil, fmt.Errorf("wxpay apiV3Key must be exactly 32 bytes, got %d", len(config["apiV3Key"]))
+	}
+	return &Wxpay{instanceID: instanceID, config: config}, nil
+}
+
+func (w *Wxpay) Name() string        { return "Wxpay" }
+func (w *Wxpay) ProviderKey() string { return payment.TypeWxpay }
+func (w *Wxpay) SupportedTypes() []payment.PaymentType {
+	return []payment.PaymentType{payment.TypeWxpayDirect}
+}
+
+func formatPEM(key, keyType string) string {
+	key = strings.TrimSpace(key)
+	if strings.HasPrefix(key, "-----BEGIN") {
+		return key
+	}
+	return fmt.Sprintf("-----BEGIN %s-----\n%s\n-----END %s-----", keyType, key, keyType)
+}
+
+func (w *Wxpay) ensureClient() (*core.Client, error) {
+	w.mu.Lock()
+	defer w.mu.Unlock()
+	if w.coreClient != nil {
+		return w.coreClient, nil
+	}
+	privateKey, publicKey, err := w.loadKeyPair()
+	if err != nil {
+		return nil, err
+	}
+	certSerial := w.config["certSerial"]
+	verifier := verifiers.NewSHA256WithRSAPubkeyVerifier(w.config["publicKeyId"], *publicKey)
+	client, err := core.NewClient(context.Background(),
+		option.WithMerchantCredential(w.config["mchId"], certSerial, privateKey),
+		option.WithVerifier(verifier))
+	if err != nil {
+		return nil, fmt.Errorf("wxpay init client: %w", err)
+	}
+	handler, err := notify.NewRSANotifyHandler(w.config["apiV3Key"], verifier)
+	if err != nil {
+		return nil, fmt.Errorf("wxpay init notify handler: %w", err)
+	}
+	w.notifyHandler = handler
+	w.coreClient = client
+	return w.coreClient, nil
+}
+
+func (w *Wxpay) loadKeyPair() (*rsa.PrivateKey, *rsa.PublicKey, error) {
+	privateKey, err := utils.LoadPrivateKey(formatPEM(w.config["privateKey"], "PRIVATE KEY"))
+	if err != nil {
+		return nil, nil, fmt.Errorf("wxpay load private key: %w", err)
+	}
+	publicKey, err := utils.LoadPublicKey(formatPEM(w.config["publicKey"], "PUBLIC KEY"))
+	if err != nil {
+		return nil, nil, fmt.Errorf("wxpay load public key: %w", err)
+	}
+	return privateKey, publicKey, nil
+}
+
+func (w *Wxpay) CreatePayment(ctx context.Context, req payment.CreatePaymentRequest) (*payment.CreatePaymentResponse, error) {
+	client, err := w.ensureClient()
+	if err != nil {
+		return nil, err
+	}
+	// Request-first, config-fallback (consistent with EasyPay/Alipay)
+	notifyURL := req.NotifyURL
+	if notifyURL == "" {
+		notifyURL = w.config["notifyUrl"]
+	}
+	if notifyURL == "" {
+		return nil, fmt.Errorf("wxpay notifyUrl is required")
+	}
+	totalFen, err := payment.YuanToFen(req.Amount)
+	if err != nil {
+		return nil, fmt.Errorf("wxpay create payment: %w", err)
+	}
+	if req.IsMobile && req.ClientIP != "" {
+		resp, err := w.createOrder(ctx, client, req, notifyURL, totalFen, true)
+		if err == nil {
+			return resp, nil
+		}
+		if !strings.Contains(err.Error(), wxpayErrNoAuth) {
+			return nil, err
+		}
+		slog.Warn("wxpay H5 payment not authorized, falling back to native", "order", req.OrderID)
+	}
+	return w.createOrder(ctx, client, req, notifyURL, totalFen, false)
+}
+
+func (w *Wxpay) createOrder(ctx context.Context, c *core.Client, req payment.CreatePaymentRequest, notifyURL string, totalFen int64, useH5 bool) (*payment.CreatePaymentResponse, error) {
+	if useH5 {
+		return w.prepayH5(ctx, c, req, notifyURL, totalFen)
+	}
+	return w.prepayNative(ctx, c, req, notifyURL, totalFen)
+}
+
+func (w *Wxpay) prepayNative(ctx context.Context, c *core.Client, req payment.CreatePaymentRequest, notifyURL string, totalFen int64) (*payment.CreatePaymentResponse, error) {
+	svc := native.NativeApiService{Client: c}
+	cur := wxpayCurrency
+	resp, _, err := svc.Prepay(ctx, native.PrepayRequest{
+		Appid: core.String(w.config["appId"]), Mchid: core.String(w.config["mchId"]),
+		Description: core.String(req.Subject), OutTradeNo: core.String(req.OrderID),
+		NotifyUrl: core.String(notifyURL),
+		Amount:    &native.Amount{Total: core.Int64(totalFen), Currency: &cur},
+	})
+	if err != nil {
+		return nil, fmt.Errorf("wxpay native prepay: %w", err)
+	}
+	codeURL := ""
+	if resp.CodeUrl != nil {
+		codeURL = *resp.CodeUrl
+	}
+	return &payment.CreatePaymentResponse{TradeNo: req.OrderID, QRCode: codeURL}, nil
+}
+
+func (w *Wxpay) prepayH5(ctx context.Context, c *core.Client, req payment.CreatePaymentRequest, notifyURL string, totalFen int64) (*payment.CreatePaymentResponse, error) {
+	svc := h5.H5ApiService{Client: c}
+	cur := wxpayCurrency
+	tp := wxpayH5Type
+	resp, _, err := svc.Prepay(ctx, h5.PrepayRequest{
+		Appid: core.String(w.config["appId"]), Mchid: core.String(w.config["mchId"]),
+		Description: core.String(req.Subject), OutTradeNo: core.String(req.OrderID),
+		NotifyUrl: core.String(notifyURL),
+		Amount:    &h5.Amount{Total: core.Int64(totalFen), Currency: &cur},
+		SceneInfo: &h5.SceneInfo{PayerClientIp: core.String(req.ClientIP), H5Info: &h5.H5Info{Type: &tp}},
+	})
+	if err != nil {
+		return nil, fmt.Errorf("wxpay h5 prepay: %w", err)
+	}
+	h5URL := ""
+	if resp.H5Url != nil {
+		h5URL = *resp.H5Url
+	}
+	return &payment.CreatePaymentResponse{TradeNo: req.OrderID, PayURL: h5URL}, nil
+}
+
+func wxSV(s *string) string {
+	if s == nil {
+		return ""
+	}
+	return *s
+}
+
+func mapWxState(s string) string {
+	switch s {
+	case wxpayTradeStateSuccess:
+		return payment.ProviderStatusPaid
+	case wxpayTradeStateRefund:
+		return payment.ProviderStatusRefunded
+	case wxpayTradeStateClosed, wxpayTradeStatePayError:
+		return payment.ProviderStatusFailed
+	default:
+		return payment.ProviderStatusPending
+	}
+}
+
+func (w *Wxpay) QueryOrder(ctx context.Context, tradeNo string) (*payment.QueryOrderResponse, error) {
+	c, err := w.ensureClient()
+	if err != nil {
+		return nil, err
+	}
+	svc := native.NativeApiService{Client: c}
+	tx, _, err := svc.QueryOrderByOutTradeNo(ctx, native.QueryOrderByOutTradeNoRequest{
+		OutTradeNo: core.String(tradeNo), Mchid: core.String(w.config["mchId"]),
+	})
+	if err != nil {
+		return nil, fmt.Errorf("wxpay query order: %w", err)
+	}
+	var amt float64
+	if tx.Amount != nil && tx.Amount.Total != nil {
+		amt = payment.FenToYuan(*tx.Amount.Total)
+	}
+	id := tradeNo
+	if tx.TransactionId != nil {
+		id = *tx.TransactionId
+	}
+	pa := ""
+	if tx.SuccessTime != nil {
+		pa = *tx.SuccessTime
+	}
+	return &payment.QueryOrderResponse{TradeNo: id, Status: mapWxState(wxSV(tx.TradeState)), Amount: amt, PaidAt: pa}, nil
+}
+
+func (w *Wxpay) VerifyNotification(ctx context.Context, rawBody string, headers map[string]string) (*payment.PaymentNotification, error) {
+	if _, err := w.ensureClient(); err != nil {
+		return nil, err
+	}
+	r, err := http.NewRequestWithContext(ctx, http.MethodPost, "/", io.NopCloser(bytes.NewBufferString(rawBody)))
+	if err != nil {
+		return nil, fmt.Errorf("wxpay construct request: %w", err)
+	}
+	for k, v := range headers {
+		r.Header.Set(k, v)
+	}
+	var tx payments.Transaction
+	nr, err := w.notifyHandler.ParseNotifyRequest(ctx, r, &tx)
+	if err != nil {
+		return nil, fmt.Errorf("wxpay verify notification: %w", err)
+	}
+	if nr.EventType != wxpayEventTransactionSuccess {
+		return nil, nil
+	}
+	var amt float64
+	if tx.Amount != nil && tx.Amount.Total != nil {
+		amt = payment.FenToYuan(*tx.Amount.Total)
+	}
+	st := payment.ProviderStatusFailed
+	if wxSV(tx.TradeState) == wxpayTradeStateSuccess {
+		st = payment.ProviderStatusSuccess
+	}
+	return &payment.PaymentNotification{
+		TradeNo: wxSV(tx.TransactionId), OrderID: wxSV(tx.OutTradeNo),
+		Amount: amt, Status: st, RawData: rawBody,
+	}, nil
+}
+
+func (w *Wxpay) Refund(ctx context.Context, req payment.RefundRequest) (*payment.RefundResponse, error) {
+	c, err := w.ensureClient()
+	if err != nil {
+		return nil, err
+	}
+	rf, err := payment.YuanToFen(req.Amount)
+	if err != nil {
+		return nil, fmt.Errorf("wxpay refund amount: %w", err)
+	}
+	tf, err := w.queryOrderTotalFen(ctx, c, req.OrderID)
+	if err != nil {
+		return nil, err
+	}
+	rs := refunddomestic.RefundsApiService{Client: c}
+	cur := wxpayCurrency
+	res, _, err := rs.Create(ctx, refunddomestic.CreateRequest{
+		OutTradeNo:  core.String(req.OrderID),
+		OutRefundNo: core.String(fmt.Sprintf("%s-refund-%d", req.OrderID, time.Now().UnixNano())),
+		Reason:      core.String(req.Reason),
+		Amount:      &refunddomestic.AmountReq{Refund: core.Int64(rf), Total: core.Int64(tf), Currency: &cur},
+	})
+	if err != nil {
+		return nil, fmt.Errorf("wxpay refund: %w", err)
+	}
+	rid := wxSV(res.RefundId)
+	if rid == "" {
+		rid = fmt.Sprintf("%s-refund", req.OrderID)
+	}
+	st := payment.ProviderStatusPending
+	if res.Status != nil && *res.Status == refunddomestic.STATUS_SUCCESS {
+		st = payment.ProviderStatusSuccess
+	}
+	return &payment.RefundResponse{RefundID: rid, Status: st}, nil
+}
+
+func (w *Wxpay) queryOrderTotalFen(ctx context.Context, c *core.Client, orderID string) (int64, error) {
+	svc := native.NativeApiService{Client: c}
+	tx, _, err := svc.QueryOrderByOutTradeNo(ctx, native.QueryOrderByOutTradeNoRequest{
+		OutTradeNo: core.String(orderID), Mchid: core.String(w.config["mchId"]),
+	})
+	if err != nil {
+		return 0, fmt.Errorf("wxpay refund query order: %w", err)
+	}
+	var tf int64
+	if tx.Amount != nil && tx.Amount.Total != nil {
+		tf = *tx.Amount.Total
+	}
+	return tf, nil
+}
+
+func (w *Wxpay) CancelPayment(ctx context.Context, tradeNo string) error {
+	c, err := w.ensureClient()
+	if err != nil {
+		return err
+	}
+	svc := native.NativeApiService{Client: c}
+	_, err = svc.CloseOrder(ctx, native.CloseOrderRequest{
+		OutTradeNo: core.String(tradeNo), Mchid: core.String(w.config["mchId"]),
+	})
+	if err != nil {
+		return fmt.Errorf("wxpay cancel payment: %w", err)
+	}
+	return nil
+}
+
+var (
+	_ payment.Provider           = (*Wxpay)(nil)
+	_ payment.CancelableProvider = (*Wxpay)(nil)
+)

backend/internal/payment/provider/wxpay_test.go

+//go:build unit
+
+package provider
+
+import (
+	"strings"
+	"testing"
+
+	"github.com/Wei-Shaw/sub2api/internal/payment"
+)
+
+func TestMapWxState(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name  string
+		input string
+		want  string
+	}{
+		{
+			name:  "SUCCESS maps to paid",
+			input: wxpayTradeStateSuccess,
+			want:  payment.ProviderStatusPaid,
+		},
+		{
+			name:  "REFUND maps to refunded",
+			input: wxpayTradeStateRefund,
+			want:  payment.ProviderStatusRefunded,
+		},
+		{
+			name:  "CLOSED maps to failed",
+			input: wxpayTradeStateClosed,
+			want:  payment.ProviderStatusFailed,
+		},
+		{
+			name:  "PAYERROR maps to failed",
+			input: wxpayTradeStatePayError,
+			want:  payment.ProviderStatusFailed,
+		},
+		{
+			name:  "unknown state maps to pending",
+			input: "NOTPAY",
+			want:  payment.ProviderStatusPending,
+		},
+		{
+			name:  "empty string maps to pending",
+			input: "",
+			want:  payment.ProviderStatusPending,
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got := mapWxState(tt.input)
+			if got != tt.want {
+				t.Errorf("mapWxState(%q) = %q, want %q", tt.input, got, tt.want)
+			}
+		})
+	}
+}
+
+func TestWxSV(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name  string
+		input *string
+		want  string
+	}{
+		{
+			name:  "nil pointer returns empty string",
+			input: nil,
+			want:  "",
+		},
+		{
+			name:  "non-nil pointer returns value",
+			input: strPtr("hello"),
+			want:  "hello",
+		},
+		{
+			name:  "pointer to empty string returns empty string",
+			input: strPtr(""),
+			want:  "",
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got := wxSV(tt.input)
+			if got != tt.want {
+				t.Errorf("wxSV() = %q, want %q", got, tt.want)
+			}
+		})
+	}
+}
+
+func strPtr(s string) *string {
+	return &s
+}
+
+func TestFormatPEM(t *testing.T) {
+	t.Parallel()
+
+	tests := []struct {
+		name    string
+		key     string
+		keyType string
+		want    string
+	}{
+		{
+			name:    "raw key gets wrapped with headers",
+			key:     "MIIBIjANBgkqhki...",
+			keyType: "PUBLIC KEY",
+			want:    "-----BEGIN PUBLIC KEY-----\nMIIBIjANBgkqhki...\n-----END PUBLIC KEY-----",
+		},
+		{
+			name:    "already formatted key is returned as-is",
+			key:     "-----BEGIN PRIVATE KEY-----\nMIIEvQIBADANBg...\n-----END PRIVATE KEY-----",
+			keyType: "PRIVATE KEY",
+			want:    "-----BEGIN PRIVATE KEY-----\nMIIEvQIBADANBg...\n-----END PRIVATE KEY-----",
+		},
+		{
+			name:    "key with leading/trailing whitespace is trimmed before check",
+			key:     "  \n MIIBIjANBgkqhki...  \n ",
+			keyType: "PUBLIC KEY",
+			want:    "-----BEGIN PUBLIC KEY-----\nMIIBIjANBgkqhki...\n-----END PUBLIC KEY-----",
+		},
+		{
+			name:    "already formatted key with whitespace is trimmed and returned",
+			key:     "  -----BEGIN RSA PRIVATE KEY-----\ndata\n-----END RSA PRIVATE KEY-----  ",
+			keyType: "RSA PRIVATE KEY",
+			want:    "-----BEGIN RSA PRIVATE KEY-----\ndata\n-----END RSA PRIVATE KEY-----",
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got := formatPEM(tt.key, tt.keyType)
+			if got != tt.want {
+				t.Errorf("formatPEM(%q, %q) =\n%s\nwant:\n%s", tt.key, tt.keyType, got, tt.want)
+			}
+		})
+	}
+}
+
+func TestNewWxpay(t *testing.T) {
+	t.Parallel()
+
+	validConfig := map[string]string{
+		"appId":       "wx1234567890",
+		"mchId":       "1234567890",
+		"privateKey":  "fake-private-key",
+		"apiV3Key":    "12345678901234567890123456789012", // exactly 32 bytes
+		"publicKey":   "fake-public-key",
+		"publicKeyId": "key-id-001",
+		"certSerial":  "SERIAL001",
+	}
+
+	// helper to clone and override config fields
+	withOverride := func(overrides map[string]string) map[string]string {
+		cfg := make(map[string]string, len(validConfig))
+		for k, v := range validConfig {
+			cfg[k] = v
+		}
+		for k, v := range overrides {
+			cfg[k] = v
+		}
+		return cfg
+	}
+
+	tests := []struct {
+		name      string
+		config    map[string]string
+		wantErr   bool
+		errSubstr string
+	}{
+		{
+			name:    "valid config succeeds",
+			config:  validConfig,
+			wantErr: false,
+		},
+		{
+			name:      "missing appId",
+			config:    withOverride(map[string]string{"appId": ""}),
+			wantErr:   true,
+			errSubstr: "appId",
+		},
+		{
+			name:      "missing mchId",
+			config:    withOverride(map[string]string{"mchId": ""}),
+			wantErr:   true,
+			errSubstr: "mchId",
+		},
+		{
+			name:      "missing privateKey",
+			config:    withOverride(map[string]string{"privateKey": ""}),
+			wantErr:   true,
+			errSubstr: "privateKey",
+		},
+		{
+			name:      "missing apiV3Key",
+			config:    withOverride(map[string]string{"apiV3Key": ""}),
+			wantErr:   true,
+			errSubstr: "apiV3Key",
+		},
+		{
+			name:      "missing publicKey",
+			config:    withOverride(map[string]string{"publicKey": ""}),
+			wantErr:   true,
+			errSubstr: "publicKey",
+		},
+		{
+			name:      "missing publicKeyId",
+			config:    withOverride(map[string]string{"publicKeyId": ""}),
+			wantErr:   true,
+			errSubstr: "publicKeyId",
+		},
+		{
+			name:      "apiV3Key too short",
+			config:    withOverride(map[string]string{"apiV3Key": "short"}),
+			wantErr:   true,
+			errSubstr: "exactly 32 bytes",
+		},
+		{
+			name:      "apiV3Key too long",
+			config:    withOverride(map[string]string{"apiV3Key": "123456789012345678901234567890123"}), // 33 bytes
+			wantErr:   true,
+			errSubstr: "exactly 32 bytes",
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			t.Parallel()
+			got, err := NewWxpay("test-instance", tt.config)
+			if tt.wantErr {
+				if err == nil {
+					t.Fatal("expected error, got nil")
+				}
+				if tt.errSubstr != "" && !strings.Contains(err.Error(), tt.errSubstr) {
+					t.Errorf("error %q should contain %q", err.Error(), tt.errSubstr)
+				}
+				return
+			}
+			if err != nil {
+				t.Fatalf("unexpected error: %v", err)
+			}
+			if got == nil {
+				t.Fatal("expected non-nil Wxpay instance")
+			}
+			if got.instanceID != "test-instance" {
+				t.Errorf("instanceID = %q, want %q", got.instanceID, "test-instance")
+			}
+		})
+	}
+}

backend/internal/payment/registry.go

+package payment
+
+import (
+	"sync"
+
+	infraerrors "github.com/Wei-Shaw/sub2api/internal/pkg/errors"
+)
+
+// Registry is a thread-safe registry mapping PaymentType to Provider.
+type Registry struct {
+	mu        sync.RWMutex
+	providers map[PaymentType]Provider
+}
+
+// ErrProviderNotFound is returned when a requested payment provider is not registered.
+var ErrProviderNotFound = infraerrors.NotFound("PROVIDER_NOT_FOUND", "payment provider not registered")
+
+// NewRegistry creates a new empty provider registry.
+func NewRegistry() *Registry {
+	return &Registry{
+		providers: make(map[PaymentType]Provider),
+	}
+}
+
+// Register adds a provider for each of its supported payment types.
+// If a type was previously registered, it is overwritten.
+func (r *Registry) Register(p Provider) {
+	r.mu.Lock()
+	defer r.mu.Unlock()
+	for _, t := range p.SupportedTypes() {
+		r.providers[t] = p
+	}
+}
+
+// GetProvider returns the provider registered for the given payment type.
+func (r *Registry) GetProvider(t PaymentType) (Provider, error) {
+	r.mu.RLock()
+	defer r.mu.RUnlock()
+	p, ok := r.providers[t]
+	if !ok {
+		return nil, ErrProviderNotFound
+	}
+	return p, nil
+}
+
+// GetProviderByKey returns the first provider whose ProviderKey matches the given key.
+func (r *Registry) GetProviderByKey(key string) (Provider, error) {
+	r.mu.RLock()
+	defer r.mu.RUnlock()
+	for _, p := range r.providers {
+		if p.ProviderKey() == key {
+			return p, nil
+		}
+	}
+	return nil, ErrProviderNotFound
+}
+
+// GetProviderKey returns the provider key for the given payment type, or empty string if not found.
+func (r *Registry) GetProviderKey(t PaymentType) string {
+	r.mu.RLock()
+	defer r.mu.RUnlock()
+	p, ok := r.providers[t]
+	if !ok {
+		return ""
+	}
+	return p.ProviderKey()
+}
+
+// SupportedTypes returns all currently registered payment types.
+func (r *Registry) SupportedTypes() []PaymentType {
+	r.mu.RLock()
+	defer r.mu.RUnlock()
+	types := make([]PaymentType, 0, len(r.providers))
+	for t := range r.providers {
+		types = append(types, t)
+	}
+	return types
+}
+
+// Clear removes all registered providers.
+func (r *Registry) Clear() {
+	r.mu.Lock()
+	defer r.mu.Unlock()
+	r.providers = make(map[PaymentType]Provider)
+}