GitLab

- Fix gofmt alignment in setting_handler.go, settings.go, payment_config_service.go
- Add payment_balance_recharge_multiplier and payment_recharge_fee_rate
  to API contract test expected JSON

- 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