GitLab

- Add recharge_fee_rate system setting (percentage fee on top of recharge amount)
- Full backend chain: config constant, PaymentConfig struct, update validation,
  read/write persistence, DTO, handler GET/PUT responses
- Frontend: settings input with preview, i18n (zh/en), API types
- Fix provider card toggle layout: labels above switches to save width
- Fix Chinese translation: "EasyPay" → "易支付" in provider description

- 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

- Fix errcheck: brave.go resp.Body.Close, manager_test.go Encode
- Fix gofmt: payment_config_service.go
- Fix unused: use shouldFallbackGeminiModel (with modelName param) in handler

- Restore gateway_cache.go to upstream (no lua embeds)
- Restore payment_order.go to upstream (use out_trade_no lookup)
- Restore payment_fulfillment.go to upstream (same reason)
- Add FeaturesConfig field and IsWebSearchEmulationEnabled to Channel
- Add applyAccountStatsCost wrapper function
- Add SettingKeyWebSearchEmulationConfig constant
- Add WebSearchEmulationEnabled to SystemSettings
- Add notify code rate limiting methods to EmailCache interface
- Remove AllowUserRefund references (ent schema not present)
- Fix duplicate import in payment_handler.go
- Fix wire_gen.go argument mismatches

Backend:
- Extract YuanToFen/FenToYuan to payment/amount.go using shopspring/decimal
- Require alipay publicKey in config validation
- Fix wxpay webhook response to return JSON per V3 spec
- Remove wxpay certSerial fallback to publicKeyId
- Define magic strings as named constants in wxpay/alipay providers
- Add slog warning for wxpay H5→Native payment downgrade
- Make EncryptionKey validation return error on invalid (non-empty) key
- Make decryptConfig propagate errors instead of returning nil
- Add idempotency check in doBalance to prevent stuck FAILED retries

Frontend:
- Fix dashboard currency symbol from $ to ¥
- Fix AdminPaymentPlansView any type to proper SubscriptionPlan type
- Make quick amount buttons follow selected payment method limits
- Center help image with larger height and text below

- Delete payment_channels table and PaymentChannel Ent schema
- Add `features` column to upstream channels table (migration 095)
- Add Features field to Channel struct, input types, handler request/response
- Payment user/admin handlers now use ChannelService directly
- Remove Channel CRUD from PaymentConfigService and admin payment routes
- Remove "渠道管理" tab from admin orders page (use /admin/channels)

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