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

allow_user_refund:
- Add allow_user_refund field to PaymentProviderInstance ent schema
- Migration 103: ALTER TABLE payment_provider_instances ADD COLUMN
- Cascade logic: disabling refund_enabled auto-disables allow_user_refund
- User refund validation: check provider instance allows user refund
- Admin refund validation: check provider instance allows admin refund
- Subscription refund: deduct days on refund, rollback on failure
- New endpoint: GET /payment/orders/refund-eligible-providers
- Frontend: ToggleSwitch in ProviderCard/Dialog, cascade in SettingsView

Wildcard matching:
- Change findPricingForModel from "longest prefix wins" to "config order
  priority (first match wins)", aligning with channel service behavior

Closes #1607

Backend:
- Split payment_order.go (546→314 lines) into payment_order_lifecycle.go
- Replace magic strings with constants in factory, easypay, webhook handler
- Add rate limit/validity unit constants in payment_order_lifecycle, payment_service
- Fix critical regression: add PaymentEnabled to GetPublicSettings response
- Add missing migration 099_fix_migrated_purchase_menu_label_icon.sql

Frontend:
- Fix StripePopupView.vue: replace `as any` with typed interface, use extractApiErrorMessage
- Fix AdminOrderTable.vue: replace hardcoded column labels with i18n t() calls
- Fix SubscriptionsView.vue: replace hardcoded Today/Tomorrow with i18n
- Extract duplicate statusBadgeClass/canRefund/formatOrderDateTime to orderUtils.ts
- Add missing i18n keys: common.today, common.tomorrow, payment.orders.orderType/actions
- Remove dead PurchaseSubscriptionView.vue (replaced by PaymentView)

Add a full payment and subscription system supporting EasyPay (Alipay/WeChat),
Stripe, and direct Alipay/WeChat Pay providers with multi-instance load balancing.