docs: align payment defaults and wechat capability notes

docs/PAYMENT.md

@@ -61,9 +61,9 @@ Configure the following in Admin Dashboard **Settings → Payment Settings**:
 | **Minimum Amount** | Minimum single top-up amount | 1 |
 | **Maximum Amount** | Maximum single top-up amount (empty = unlimited) | - |
 | **Daily Limit** | Per-user daily cumulative limit (empty = unlimited) | - |
-| **Order Timeout** | Order timeout in minutes (minimum 1) | 5 |
+| **Order Timeout** | Order timeout in minutes (minimum 1) | 30 |
 | **Max Pending Orders** | Maximum concurrent pending orders per user | 3 |
-| **Load Balance Strategy** | Strategy for selecting provider instances | Least Amount |
+| **Load Balance Strategy** | Strategy for selecting provider instances | Round Robin |
 
 ### Frontend Visible Method Routing
 

docs/PAYMENT_CN.md

@@ -61,9 +61,9 @@ Sub2API 内置支付系统，支持用户自助充值，无需部署独立的支
 | **最低金额** | 单笔最低充值金额 | 1 |
 | **最高金额** | 单笔最高充值金额（留空表示不限制） | - |
 | **每日限额** | 每用户每日累计充值上限（留空表示不限制） | - |
-| **订单超时时间** | 订单超时分钟数，至少 1 分钟 | 5 |
+| **订单超时时间** | 订单超时分钟数，至少 1 分钟 | 30 |
 | **最大待支付订单数** | 同一用户最大并行待支付订单数 | 3 |
-| **负载均衡策略** | 多服务商实例时的选择策略 | 最少金额 |
+| **负载均衡策略** | 多服务商实例时的选择策略 | 轮询 |
 
 ### 前台可见支付方式路由
 

docs/superpowers/specs/2026-04-20-auth-identity-payment-foundation-design.md

@@ -459,7 +459,7 @@ Frontend submits display method only. Backend resolves display method to active
 - force email on third-party signup
 - LinuxDo client settings
 - OIDC issuer/client settings and provider display name
-- WeChat `open` and `mp` settings with config-valid and health indicators
+- WeChat `open` / `mp` capability indicators derived from environment-backed configuration, surfaced to the frontend/admin read models as effective availability rather than full in-panel credential editing
 
 ### Source default settings
 
@@ -476,7 +476,7 @@ Per source (`email`, `linuxdo`, `oidc`, `wechat`):
 - active source for `alipay`
 - active source for `wechat`
 - source-specific credentials and enablement
-- WeChat capability matrix:
+- effective WeChat payment capabilities may differ by enabled provider instances and selected visible-method source:
   - QR available
   - H5 available
   - MP/JSAPI available