支持官方直连支付、退款配置与套餐联动

apps/aether-gateway/Cargo.toml

@@ -31,6 +31,7 @@ aether-task-runtime.workspace = true
 aether-usage-runtime.workspace = true
 aether-video-tasks-core.workspace = true
 aether-wallet.workspace = true
+aes-gcm = "0.10"
 async-stream.workspace = true
 async-trait.workspace = true
 axum = { version = "0.8", features = ["ws"] }
@@ -50,11 +51,12 @@ md-5 = "0.10"
 parking_lot = "0.12"
 regex.workspace = true
 reqwest.workspace = true
+rsa = "0.9.10"
 rustls.workspace = true
 serde.workspace = true
 serde_json.workspace = true
 sha1 = "0.10"
-sha2.workspace = true
+sha2 = { workspace = true, features = ["oid"] }
 sqlx.workspace = true
 thiserror.workspace = true
 tokio.workspace = true

apps/aether-gateway/src/control/route/admin/basic_families.rs

@@ -559,41 +559,62 @@ pub(super) fn classify_admin_basic_family_route(
             false,
         ))
     } else if method == http::Method::GET
-        && matches!(
-            normalized_path,
-            "/api/admin/payments/gateways/epay" | "/api/admin/payments/gateways/epay/"
+        && has_single_segment_after_prefix(
+            normalized_path_no_trailing,
+            "/api/admin/payments/gateways/",
         )
     {
         Some(classified(
             "admin_proxy",
             "payments_manage",
-            "get_epay_gateway",
+            if matches!(
+                normalized_path,
+                "/api/admin/payments/gateways/epay" | "/api/admin/payments/gateways/epay/"
+            ) {
+                "get_epay_gateway"
+            } else {
+                "get_payment_gateway"
+            },
             "admin:payments",
             false,
         ))
     } else if method == http::Method::PUT
-        && matches!(
-            normalized_path,
-            "/api/admin/payments/gateways/epay" | "/api/admin/payments/gateways/epay/"
+        && has_single_segment_after_prefix(
+            normalized_path_no_trailing,
+            "/api/admin/payments/gateways/",
         )
     {
         Some(classified(
             "admin_proxy",
             "payments_manage",
-            "update_epay_gateway",
+            if matches!(
+                normalized_path,
+                "/api/admin/payments/gateways/epay" | "/api/admin/payments/gateways/epay/"
+            ) {
+                "update_epay_gateway"
+            } else {
+                "update_payment_gateway"
+            },
             "admin:payments",
             false,
         ))
     } else if method == http::Method::POST
-        && matches!(
-            normalized_path,
-            "/api/admin/payments/gateways/epay/test" | "/api/admin/payments/gateways/epay/test/"
-        )
+        && normalized_path_no_trailing.starts_with("/api/admin/payments/gateways/")
+        && normalized_path_no_trailing.ends_with("/test")
+        && normalized_path_no_trailing.matches('/').count() == 6
     {
         Some(classified(
             "admin_proxy",
             "payments_manage",
-            "test_epay_gateway",
+            if matches!(
+                normalized_path,
+                "/api/admin/payments/gateways/epay/test"
+                    | "/api/admin/payments/gateways/epay/test/"
+            ) {
+                "test_epay_gateway"
+            } else {
+                "test_payment_gateway"
+            },
             "admin:payments",
             false,
         ))
@@ -748,3 +769,10 @@ pub(super) fn classify_admin_basic_family_route(
         None
     }
 }
+
+fn has_single_segment_after_prefix(path: &str, prefix: &str) -> bool {
+    let Some(suffix) = path.strip_prefix(prefix) else {
+        return false;
+    };
+    !suffix.is_empty() && !suffix.contains('/')
+}

apps/aether-gateway/src/control/route/public_support.rs

@@ -332,6 +332,7 @@ pub(super) fn classify_public_support_route(
                 | "/api/wallet/recharge"
                 | "/api/wallet/recharge/options"
                 | "/api/wallet/refunds"
+                | "/api/wallet/refunds/eligible-providers"
         )
     {
         let route_kind = match normalized_path {
@@ -342,6 +343,7 @@ pub(super) fn classify_public_support_route(
             "/api/wallet/recharge" => "list_recharge_orders",
             "/api/wallet/recharge/options" => "recharge_options",
             "/api/wallet/refunds" => "list_refunds",
+            "/api/wallet/refunds/eligible-providers" => "refund_eligible_providers",
             _ => "balance",
         };
         Some(classified(
@@ -436,6 +438,45 @@ pub(super) fn classify_public_support_route(
             "public:payment",
             false,
         ))
+    } else if matches!(method, &http::Method::GET | &http::Method::POST)
+        && matches!(
+            normalized_path,
+            "/api/payment/alipay/notify" | "/api/payment/alipay/notify/"
+        )
+    {
+        Some(classified(
+            "public_support",
+            "payment_callback",
+            "alipay_notify",
+            "public:payment",
+            false,
+        ))
+    } else if method == http::Method::POST
+        && matches!(
+            normalized_path,
+            "/api/payment/wxpay/notify" | "/api/payment/wxpay/notify/"
+        )
+    {
+        Some(classified(
+            "public_support",
+            "payment_callback",
+            "wxpay_notify",
+            "public:payment",
+            false,
+        ))
+    } else if method == http::Method::POST
+        && matches!(
+            normalized_path,
+            "/api/payment/stripe/webhook" | "/api/payment/stripe/webhook/"
+        )
+    {
+        Some(classified(
+            "public_support",
+            "payment_callback",
+            "stripe_webhook",
+            "public:payment",
+            false,
+        ))
     } else if matches!(method, &http::Method::GET | &http::Method::POST)
         && matches!(
             normalized_path,

apps/aether-gateway/src/control/tests/public_support.rs

@@ -317,6 +317,11 @@ fn classifies_wallet_routes_as_public_support_route() {
             "/api/wallet/refunds?limit=20",
             "list_refunds",
         ),
+        (
+            http::Method::GET,
+            "/api/wallet/refunds/eligible-providers",
+            "refund_eligible_providers",
+        ),
         (http::Method::POST, "/api/wallet/refunds", "create_refund"),
         (
             http::Method::GET,

apps/aether-gateway/src/handlers/admin/billing/payments/gateways.rs

@@ -2,6 +2,11 @@ use super::{
     build_admin_payments_backend_unavailable_response, build_admin_payments_bad_request_response,
 };
 use crate::handlers::admin::request::{AdminAppState, AdminRequestContext};
+use crate::handlers::shared::{
+    payment_gateway_allow_user_refund, payment_gateway_channels_config_json,
+    payment_gateway_channels_json, payment_gateway_config_json, payment_gateway_refund_enabled,
+    payment_gateway_secret_keys_json,
+};
 use crate::{GatewayError, LocalMutationOutcome};
 use aether_data_contracts::repository::billing::PaymentGatewayConfigWriteInput;
 use axum::{
@@ -11,15 +16,17 @@ use axum::{
     Json,
 };
 use serde::Deserialize;
-use serde_json::json;
+use serde_json::{json, Value};
 
 #[derive(Debug, Deserialize)]
-struct EpayGatewayConfigRequest {
+struct PaymentGatewayConfigRequest {
     #[serde(default)]
     enabled: bool,
+    #[serde(default)]
     endpoint_url: String,
     #[serde(default)]
     callback_base_url: Option<String>,
+    #[serde(default)]
     merchant_id: String,
     #[serde(default)]
     merchant_key: Option<String>,
@@ -30,7 +37,15 @@ struct EpayGatewayConfigRequest {
     #[serde(default = "default_min_recharge_usd")]
     min_recharge_usd: f64,
     #[serde(default = "default_channels")]
-    channels: serde_json::Value,
+    channels: Value,
+    #[serde(default)]
+    refund_enabled: bool,
+    #[serde(default)]
+    allow_user_refund: bool,
+    #[serde(default)]
+    config: Value,
+    #[serde(default)]
+    secrets: Value,
 }
 
 fn default_pay_currency() -> String {
@@ -45,10 +60,10 @@ fn default_min_recharge_usd() -> f64 {
     1.0
 }
 
-fn default_channels() -> serde_json::Value {
+fn default_channels() -> Value {
     json!([
-        {"channel": "alipay", "display_name": "支付宝"},
-        {"channel": "wxpay", "display_name": "微信支付"}
+        {"channel": "alipay", "display_name": "支付宝", "fee_rate": 0.0},
+        {"channel": "wxpay", "display_name": "微信支付", "fee_rate": 0.0}
     ])
 }
 
@@ -81,9 +96,66 @@ fn normalize_optional_text(
     Ok(Some(trimmed.to_string()))
 }
 
+fn supported_payment_gateway_provider(provider: &str) -> bool {
+    matches!(provider, "epay" | "alipay" | "wxpay" | "stripe")
+}
+
+fn admin_payment_gateway_provider_from_path(path: &str) -> Option<String> {
+    let trimmed = path.trim_end_matches('/');
+    let provider = trimmed
+        .strip_prefix("/api/admin/payments/gateways/")?
+        .strip_suffix("/test")
+        .unwrap_or_else(|| {
+            trimmed
+                .strip_prefix("/api/admin/payments/gateways/")
+                .unwrap_or("")
+        })
+        .trim()
+        .to_ascii_lowercase();
+    if provider.is_empty()
+        || provider.contains('/')
+        || !supported_payment_gateway_provider(&provider)
+    {
+        return None;
+    }
+    Some(provider)
+}
+
+fn default_provider_channels(provider: &str) -> Value {
+    match provider {
+        "epay" => default_channels(),
+        "alipay" => json!([{"channel": "alipay", "display_name": "支付宝官方", "fee_rate": 0.0}]),
+        "wxpay" => json!([
+            {"channel": "native", "display_name": "微信 Native", "fee_rate": 0.0},
+            {"channel": "h5", "display_name": "微信 H5", "fee_rate": 0.0}
+        ]),
+        "stripe" => json!([
+            {"channel": "card", "display_name": "Card", "fee_rate": 0.0},
+            {"channel": "alipay", "display_name": "Alipay", "fee_rate": 0.0},
+            {"channel": "wechat_pay", "display_name": "WeChat Pay", "fee_rate": 0.0},
+            {"channel": "link", "display_name": "Link", "fee_rate": 0.0}
+        ]),
+        _ => json!([]),
+    }
+}
+
+fn split_gateway_channels_config(
+    record: &aether_data_contracts::repository::billing::PaymentGatewayConfigRecord,
+) -> (Value, Value, Value, bool, bool) {
+    (
+        payment_gateway_channels_json(&record.channels_json),
+        payment_gateway_config_json(&record.channels_json),
+        payment_gateway_secret_keys_json(&record.channels_json),
+        payment_gateway_refund_enabled(&record.channels_json),
+        payment_gateway_allow_user_refund(&record.channels_json),
+    )
+}
+
 fn gateway_config_payload(
     record: aether_data_contracts::repository::billing::PaymentGatewayConfigRecord,
-) -> serde_json::Value {
+) -> Value {
+    let (channels, config, secret_keys, refund_enabled, allow_user_refund) =
+        split_gateway_channels_config(&record);
     json!({
         "provider": record.provider,
         "enabled": record.enabled,
@@ -91,36 +163,196 @@ fn gateway_config_payload(
         "callback_base_url": record.callback_base_url,
         "merchant_id": record.merchant_id,
         "has_secret": record.merchant_key_encrypted.as_deref().is_some_and(|value| !value.trim().is_empty()),
+        "has_secret_keys": secret_keys,
         "pay_currency": record.pay_currency,
         "usd_exchange_rate": record.usd_exchange_rate,
         "min_recharge_usd": record.min_recharge_usd,
-        "channels": record.channels_json,
+        "channels": channels,
+        "refund_enabled": refund_enabled,
+        "allow_user_refund": allow_user_refund,
+        "config": config,
         "created_at": record.created_at_unix_secs,
         "updated_at": record.updated_at_unix_secs,
     })
 }
 
+fn gateway_config_not_found_payload(provider: &str) -> Value {
+    json!({
+        "provider": provider,
+        "enabled": false,
+        "has_secret": false,
+        "has_secret_keys": [],
+        "channels": default_provider_channels(provider),
+        "refund_enabled": false,
+        "allow_user_refund": false,
+        "config": {},
+    })
+}
+
+fn normalize_gateway_channel_fee_rate(value: Option<&Value>, index: usize) -> Result<f64, String> {
+    let Some(value) = value else {
+        return Ok(0.0);
+    };
+    let fee_rate = match value {
+        Value::Null => 0.0,
+        Value::Number(number) => number
+            .as_f64()
+            .ok_or_else(|| format!("channels[{index}].fee_rate must be a number"))?,
+        Value::String(value) => value
+            .trim()
+            .parse::<f64>()
+            .map_err(|_| format!("channels[{index}].fee_rate must be a number"))?,
+        _ => return Err(format!("channels[{index}].fee_rate must be a number")),
+    };
+    if !fee_rate.is_finite() || fee_rate < 0.0 {
+        return Err(format!("channels[{index}].fee_rate must be non-negative"));
+    }
+    Ok(fee_rate)
+}
+
+fn normalize_gateway_channels(provider: &str, channels: Value) -> Result<Value, String> {
+    if channels.is_null() {
+        return Ok(default_provider_channels(provider));
+    }
+    let Some(items) = channels.as_array() else {
+        return Err("channels must be an array".to_string());
+    };
+    if items.is_empty() {
+        return Ok(default_provider_channels(provider));
+    }
+
+    let normalized = items
+        .iter()
+        .enumerate()
+        .map(|(index, item)| {
+            let Some(object) = item.as_object() else {
+                return Err(format!("channels[{index}] must be an object"));
+            };
+            let channel = object
+                .get("channel")
+                .or_else(|| object.get("type"))
+                .and_then(Value::as_str)
+                .map(str::trim)
+                .filter(|value| !value.is_empty())
+                .ok_or_else(|| format!("channels[{index}].channel must not be empty"))?;
+            let display_name = object
+                .get("display_name")
+                .and_then(Value::as_str)
+                .map(str::trim)
+                .filter(|value| !value.is_empty())
+                .unwrap_or(channel);
+            let fee_rate = normalize_gateway_channel_fee_rate(object.get("fee_rate"), index)?;
+            Ok(json!({
+                "channel": channel,
+                "display_name": display_name,
+                "fee_rate": fee_rate,
+            }))
+        })
+        .collect::<Result<Vec<_>, String>>()?;
+
+    Ok(Value::Array(normalized))
+}
+
+fn normalize_config_object(config: Value) -> Result<Value, String> {
+    if config.is_null() {
+        return Ok(json!({}));
+    }
+    if config.is_object() {
+        return Ok(config);
+    }
+    Err("config must be an object".to_string())
+}
+
+fn encrypted_gateway_secret(
+    state: &AdminAppState<'_>,
+    provider: &str,
+    payload: &PaymentGatewayConfigRequest,
+) -> Result<Option<String>, Response<Body>> {
+    let secret_plaintext = if provider == "epay" {
+        payload
+            .merchant_key
+            .as_deref()
+            .map(str::trim)
+            .filter(|value| !value.is_empty())
+            .map(ToOwned::to_owned)
+    } else {
+        let Some(secrets) = payload.secrets.as_object() else {
+            return if payload.secrets.is_null() {
+                Ok(None)
+            } else {
+                Err(build_admin_payments_bad_request_response(
+                    "secrets must be an object",
+                ))
+            };
+        };
+        let filtered = secrets
+            .iter()
+            .filter_map(|(key, value)| {
+                let value = value.as_str()?.trim();
+                (!key.trim().is_empty() && !value.is_empty())
+                    .then(|| (key.trim().to_string(), Value::String(value.to_string())))
+            })
+            .collect::<serde_json::Map<_, _>>();
+        if filtered.is_empty() {
+            None
+        } else {
+            Some(Value::Object(filtered).to_string())
+        }
+    };
+
+    let Some(secret_plaintext) = secret_plaintext else {
+        return Ok(None);
+    };
+    state
+        .encrypt_catalog_secret_with_fallbacks(&secret_plaintext)
+        .ok_or_else(|| {
+            build_admin_payments_backend_unavailable_response("encryption key is not configured")
+        })
+        .map(Some)
+}
+
+async fn existing_gateway_secret_keys(
+    state: &AdminAppState<'_>,
+    provider: &str,
+) -> Result<Vec<Value>, GatewayError> {
+    let Some(record) = state.app().find_payment_gateway_config(provider).await? else {
+        return Ok(Vec::new());
+    };
+    let (_, _, secret_keys, _, _) = split_gateway_channels_config(&record);
+    Ok(secret_keys
+        .as_array()
+        .cloned()
+        .unwrap_or_default()
+        .into_iter()
+        .filter(|value| value.as_str().is_some_and(|item| !item.trim().is_empty()))
+        .collect())
+}
+
 pub(super) async fn maybe_build_local_admin_payment_gateways_response(
     state: &AdminAppState<'_>,
-    _request_context: &AdminRequestContext<'_>,
+    request_context: &AdminRequestContext<'_>,
     request_body: Option<&axum::body::Bytes>,
     route_kind: Option<&str>,
 ) -> Result<Option<Response<Body>>, GatewayError> {
     match route_kind {
-        Some("get_epay_gateway") => {
-            let record = state.app().find_payment_gateway_config("epay").await?;
-            let payload = record.map(gateway_config_payload).unwrap_or_else(
-                || json!({"provider": "epay", "enabled": false, "has_secret": false}),
-            );
+        Some("get_epay_gateway") | Some("get_payment_gateway") => {
+            let provider = admin_payment_gateway_provider_from_path(request_context.path())
+                .unwrap_or_else(|| "epay".to_string());
+            let record = state.app().find_payment_gateway_config(&provider).await?;
+            let payload = record
+                .map(gateway_config_payload)
+                .unwrap_or_else(|| gateway_config_not_found_payload(&provider));
             Ok(Some(Json(payload).into_response()))
         }
-        Some("update_epay_gateway") => {
+        Some("update_epay_gateway") | Some("update_payment_gateway") => {
+            let provider = admin_payment_gateway_provider_from_path(request_context.path())
+                .unwrap_or_else(|| "epay".to_string());
             let Some(body) = request_body else {
                 return Ok(Some(build_admin_payments_bad_request_response(
                     "缺少请求体",
                 )));
             };
-            let payload = match serde_json::from_slice::<EpayGatewayConfigRequest>(body) {
+            let payload = match serde_json::from_slice::<PaymentGatewayConfigRequest>(body) {
                 Ok(value) => value,
                 Err(_) => {
                     return Ok(Some(build_admin_payments_bad_request_response(
@@ -138,40 +370,87 @@ pub(super) async fn maybe_build_local_admin_payment_gateways_response(
                     "min_recharge_usd must be positive",
                 )));
             }
-            let merchant_key_encrypted = match payload
-                .merchant_key
-                .as_deref()
-                .map(str::trim)
-                .filter(|value| !value.is_empty())
+
+            let merchant_key_encrypted = match encrypted_gateway_secret(state, &provider, &payload)
             {
-                Some(secret) => match state.encrypt_catalog_secret_with_fallbacks(secret) {
-                    Some(value) => Some(value),
-                    None => {
-                        return Ok(Some(build_admin_payments_backend_unavailable_response(
-                            "encryption key is not configured",
-                        )))
-                    }
-                },
-                None => None,
-            };
-            let endpoint_url = match normalize_text(payload.endpoint_url, "endpoint_url", 512) {
                 Ok(value) => value,
-                Err(detail) => return Ok(Some(build_admin_payments_bad_request_response(detail))),
+                Err(response) => return Ok(Some(response)),
+            };
+            let endpoint_url = if provider == "epay" {
+                match normalize_text(payload.endpoint_url, "endpoint_url", 512) {
+                    Ok(value) => value,
+                    Err(detail) => {
+                        return Ok(Some(build_admin_payments_bad_request_response(detail)))
+                    }
+                }
+            } else {
+                match normalize_optional_text(Some(payload.endpoint_url), 512) {
+                    Ok(value) => value.unwrap_or_default(),
+                    Err(detail) => {
+                        return Ok(Some(build_admin_payments_bad_request_response(detail)))
+                    }
+                }
             };
             let callback_base_url = match normalize_optional_text(payload.callback_base_url, 512) {
                 Ok(value) => value,
                 Err(detail) => return Ok(Some(build_admin_payments_bad_request_response(detail))),
             };
-            let merchant_id = match normalize_text(payload.merchant_id, "merchant_id", 128) {
-                Ok(value) => value,
-                Err(detail) => return Ok(Some(build_admin_payments_bad_request_response(detail))),
+            let merchant_id = if provider == "epay" {
+                match normalize_text(payload.merchant_id, "merchant_id", 128) {
+                    Ok(value) => value,
+                    Err(detail) => {
+                        return Ok(Some(build_admin_payments_bad_request_response(detail)))
+                    }
+                }
+            } else {
+                match normalize_optional_text(Some(payload.merchant_id), 128) {
+                    Ok(value) => value.unwrap_or_default(),
+                    Err(detail) => {
+                        return Ok(Some(build_admin_payments_bad_request_response(detail)))
+                    }
+                }
             };
             let pay_currency = match normalize_text(payload.pay_currency, "pay_currency", 16) {
                 Ok(value) => value,
                 Err(detail) => return Ok(Some(build_admin_payments_bad_request_response(detail))),
             };
+            let config = match normalize_config_object(payload.config) {
+                Ok(value) => value,
+                Err(detail) => return Ok(Some(build_admin_payments_bad_request_response(detail))),
+            };
+            let submitted_secret_keys = payload
+                .secrets
+                .as_object()
+                .map(|secrets| {
+                    secrets
+                        .iter()
+                        .filter(|(_, value)| {
+                            value.as_str().is_some_and(|value| !value.trim().is_empty())
+                        })
+                        .map(|(key, _)| Value::String(key.clone()))
+                        .collect::<Vec<_>>()
+                })
+                .unwrap_or_default();
+            let secret_keys = if provider == "epay" || !submitted_secret_keys.is_empty() {
+                submitted_secret_keys
+            } else {
+                existing_gateway_secret_keys(state, &provider).await?
+            };
+            let channels = match normalize_gateway_channels(&provider, payload.channels) {
+                Ok(value) => value,
+                Err(detail) => return Ok(Some(build_admin_payments_bad_request_response(detail))),
+            };
+            let refund_enabled = payload.refund_enabled;
+            let allow_user_refund = refund_enabled && payload.allow_user_refund;
+            let channels_json = payment_gateway_channels_config_json(
+                channels,
+                config,
+                Value::Array(secret_keys),
+                refund_enabled,
+                allow_user_refund,
+            );
             let input = PaymentGatewayConfigWriteInput {
-                provider: "epay".to_string(),
+                provider: provider.clone(),
                 enabled: payload.enabled,
                 endpoint_url,
                 callback_base_url,
@@ -181,7 +460,7 @@ pub(super) async fn maybe_build_local_admin_payment_gateways_response(
                 pay_currency,
                 usd_exchange_rate: payload.usd_exchange_rate,
                 min_recharge_usd: payload.min_recharge_usd,
-                channels_json: payload.channels,
+                channels_json,
             };
             match state.app().upsert_payment_gateway_config(&input).await? {
                 LocalMutationOutcome::Applied(record) => {
@@ -192,8 +471,10 @@ pub(super) async fn maybe_build_local_admin_payment_gateways_response(
                 ))),
             }
         }
-        Some("test_epay_gateway") => {
-            let status = state.app().find_payment_gateway_config("epay").await?;
+        Some("test_epay_gateway") | Some("test_payment_gateway") => {
+            let provider = admin_payment_gateway_provider_from_path(request_context.path())
+                .unwrap_or_else(|| "epay".to_string());
+            let status = state.app().find_payment_gateway_config(&provider).await?;
             let ok = status
                 .as_ref()
                 .is_some_and(|record| record.enabled && record.merchant_key_encrypted.is_some());
@@ -204,7 +485,7 @@ pub(super) async fn maybe_build_local_admin_payment_gateways_response(
                     } else {
                         http::StatusCode::BAD_REQUEST
                     },
-                    Json(json!({"ok": ok, "provider": "epay"})),
+                    Json(json!({"ok": ok, "provider": provider})),
                 )
                     .into_response(),
             ))

apps/aether-gateway/src/handlers/admin/billing/payments/orders.rs

@@ -109,6 +109,33 @@ async fn build_admin_payment_get_order_response(
     }
 }
 
+async fn close_direct_gateway_order_before_terminal_mark(
+    state: &AdminAppState<'_>,
+    order_id: &str,
+) -> Result<Option<serde_json::Value>, Response<Body>> {
+    let order = match state.read_admin_payment_order(order_id).await {
+        Ok(crate::AdminWalletMutationOutcome::Applied(order)) => order,
+        Ok(crate::AdminWalletMutationOutcome::NotFound) => return Ok(None),
+        Ok(crate::AdminWalletMutationOutcome::Invalid(_)) => return Ok(None),
+        Ok(crate::AdminWalletMutationOutcome::Unavailable) => return Ok(None),
+        Err(err) => {
+            return Err(build_admin_payments_backend_unavailable_response(format!(
+                "Payment order read failed: {err:?}"
+            )))
+        }
+    };
+    if order.status != "pending" || !matches!(order.payment_method.as_str(), "alipay" | "wxpay") {
+        return Ok(None);
+    }
+    crate::handlers::shared::close_direct_gateway_order(state.app(), &order)
+        .await
+        .map_err(|detail| {
+            build_admin_payments_backend_unavailable_response(format!(
+                "payment gateway close failed: {detail}"
+            ))
+        })
+}
+
 async fn build_admin_payment_expire_order_response(
     state: &AdminAppState<'_>,
     request_context: &AdminRequestContext<'_>,
@@ -117,12 +144,18 @@ async fn build_admin_payment_expire_order_response(
     else {
         return Ok(build_admin_payment_order_not_found_response());
     };
+    let gateway_close =
+        match close_direct_gateway_order_before_terminal_mark(state, &order_id).await {
+            Ok(value) => value,
+            Err(response) => return Ok(response),
+        };
     match state.admin_expire_payment_order(&order_id).await? {
         crate::AdminWalletMutationOutcome::Applied((order, expired)) => {
             Ok(attach_admin_audit_response(
                 Json(json!({
                     "order": build_admin_payment_order_payload(&order),
                     "expired": expired,
+                    "gateway_close": gateway_close,
                 }))
                 .into_response(),
                 "admin_payment_order_expired",
@@ -259,10 +292,16 @@ async fn build_admin_payment_fail_order_response(
     else {
         return Ok(build_admin_payment_order_not_found_response());
     };
+    let gateway_close =
+        match close_direct_gateway_order_before_terminal_mark(state, &order_id).await {
+            Ok(value) => value,
+            Err(response) => return Ok(response),
+        };
     match state.admin_fail_payment_order(&order_id).await? {
         crate::AdminWalletMutationOutcome::Applied(order) => Ok(attach_admin_audit_response(
             Json(json!({
                 "order": build_admin_payment_order_payload(&order),
+                "gateway_close": gateway_close,
             }))
             .into_response(),
             "admin_payment_order_failed",

apps/aether-gateway/src/handlers/admin/billing/payments/routes.rs

@@ -33,9 +33,9 @@ pub(super) async fn maybe_build_local_admin_payments_response(
         || (matches!(
             request_context.method(),
             &http::Method::GET | &http::Method::PUT
-        ) && path == "/api/admin/payments/gateways/epay")
+        ) && admin_payment_gateway_path_matches(path))
         || (request_context.method() == http::Method::POST
-            && path == "/api/admin/payments/gateways/epay/test")
+            && admin_payment_gateway_test_path_matches(path))
         || (request_context.method() == http::Method::GET
             && path.starts_with("/api/admin/payments/orders/")
             && path.matches('/').count() == 5)
@@ -121,3 +121,20 @@ pub(super) async fn maybe_build_local_admin_payments_response(
 
     Ok(Some(build_admin_payments_data_unavailable_response()))
 }
+
+fn admin_payment_gateway_path_matches(path: &str) -> bool {
+    let Some(provider) = path.strip_prefix("/api/admin/payments/gateways/") else {
+        return false;
+    };
+    !provider.is_empty() && !provider.contains('/')
+}
+
+fn admin_payment_gateway_test_path_matches(path: &str) -> bool {
+    let Some(provider) = path
+        .strip_prefix("/api/admin/payments/gateways/")
+        .and_then(|value| value.strip_suffix("/test"))
+    else {
+        return false;
+    };
+    !provider.is_empty() && !provider.contains('/')
+}

apps/aether-gateway/src/handlers/admin/billing/wallets/mutations/complete_refund.rs

@@ -7,15 +7,39 @@ use super::super::shared::{
 };
 use crate::handlers::admin::request::{AdminAppState, AdminRequestContext};
 use crate::handlers::admin::shared::attach_admin_audit_response;
+use crate::handlers::shared::{
+    payment_gateway_provider_for_payment_method, payment_gateway_refund_enabled,
+};
 use crate::GatewayError;
 use axum::{
     body::Body,
     response::{IntoResponse, Response},
     Json,
 };
-use serde_json::json;
+use serde_json::{json, Value};
 use tracing::warn;
 
+fn merge_gateway_refund_proof(
+    proof: Option<Value>,
+    gateway_refund: Option<&crate::handlers::shared::DirectGatewayRefundResult>,
+) -> Option<Value> {
+    let Some(gateway_refund) = gateway_refund else {
+        return proof;
+    };
+    let mut object = proof
+        .and_then(|value| value.as_object().cloned())
+        .unwrap_or_default();
+    object.insert(
+        "gateway_refund".to_string(),
+        json!({
+            "id": gateway_refund.gateway_refund_id,
+            "status": gateway_refund.status,
+            "payload": gateway_refund.payload,
+        }),
+    );
+    Some(Value::Object(object))
+}
+
 pub(in super::super) async fn build_admin_wallet_complete_refund_response(
     state: &AdminAppState<'_>,
     request_context: &AdminRequestContext<'_>,
@@ -76,13 +100,73 @@ pub(in super::super) async fn build_admin_wallet_complete_refund_response(
     }
 
     let owner = resolve_admin_wallet_owner_summary(state, &wallet).await?;
+    let Some(refund_before_complete) = state
+        .app()
+        .find_wallet_refund(&wallet_id, &refund_id)
+        .await?
+    else {
+        return Ok(build_admin_wallet_refund_not_found_response());
+    };
+    let mut gateway_refund_id = gateway_refund_id;
+    let mut payout_proof = payload.payout_proof;
+    if payload.gateway_refund {
+        let Some(payment_order_id) = refund_before_complete.payment_order_id.as_deref() else {
+            return Ok(build_admin_wallets_bad_request_response(
+                "网关原路退款需要退款申请关联支付订单",
+            ));
+        };
+        let order = match state.read_admin_payment_order(payment_order_id).await? {
+            crate::AdminWalletMutationOutcome::Applied(order) => order,
+            crate::AdminWalletMutationOutcome::NotFound => {
+                return Ok(build_admin_wallets_bad_request_response("支付订单不存在"))
+            }
+            crate::AdminWalletMutationOutcome::Invalid(detail) => {
+                return Ok(build_admin_wallets_bad_request_response(detail))
+            }
+            crate::AdminWalletMutationOutcome::Unavailable => {
+                return Ok(build_admin_wallets_data_unavailable_response())
+            }
+        };
+        if let Some(provider) = payment_gateway_provider_for_payment_method(&order.payment_method) {
+            let refund_enabled = state
+                .app()
+                .find_payment_gateway_config(provider)
+                .await?
+                .is_some_and(|record| payment_gateway_refund_enabled(&record.channels_json));
+            if !refund_enabled {
+                return Ok(build_admin_wallets_bad_request_response(
+                    "该支付方式未启用退款",
+                ));
+            }
+        }
+        match crate::handlers::shared::refund_direct_gateway_order(
+            state.app(),
+            &order,
+            &refund_before_complete.refund_no,
+            refund_before_complete.amount_usd,
+            refund_before_complete.reason.as_deref(),
+        )
+        .await
+        {
+            Ok(Some(result)) => {
+                gateway_refund_id = Some(result.gateway_refund_id.clone());
+                payout_proof = merge_gateway_refund_proof(payout_proof, Some(&result));
+            }
+            Ok(None) => {
+                return Ok(build_admin_wallets_bad_request_response(
+                    "该支付方式不支持官方直连退款，请使用线下完成",
+                ))
+            }
+            Err(detail) => return Ok(build_admin_wallets_bad_request_response(detail)),
+        }
+    }
     match state
         .admin_complete_wallet_refund(
             &wallet_id,
             &refund_id,
             gateway_refund_id.as_deref(),
             payout_reference.as_deref(),
-            payload.payout_proof,
+            payout_proof,
         )
         .await?
     {

apps/aether-gateway/src/handlers/admin/billing/wallets/shared/requests.rs

@@ -34,6 +34,8 @@ pub(in super::super) struct AdminWalletRefundCompleteRequest {
     #[serde(default)]
     pub(in super::super) gateway_refund_id: Option<String>,
     #[serde(default)]
+    pub(in super::super) gateway_refund: bool,
+    #[serde(default)]
     pub(in super::super) payout_reference: Option<String>,
     #[serde(default)]
     pub(in super::super) payout_proof: Option<serde_json::Value>,

apps/aether-gateway/src/handlers/admin/request/billing.rs

@@ -277,6 +277,15 @@ impl<'a> AdminAppState<'a> {
         self.app.admin_fail_payment_order(order_id).await
     }
 
+    pub(crate) async fn find_wallet_refund(
+        &self,
+        wallet_id: &str,
+        refund_id: &str,
+    ) -> Result<Option<aether_data::repository::wallet::StoredAdminWalletRefund>, GatewayError>
+    {
+        self.app.find_wallet_refund(wallet_id, refund_id).await
+    }
+
     pub(crate) async fn list_admin_redeem_code_batches(
         &self,
         status: Option<&str>,

apps/aether-gateway/src/handlers/public/support.rs

@@ -83,7 +83,7 @@ use self::support_payment::maybe_build_local_payment_callback_response;
 use self::support_test_connection::maybe_build_local_test_connection_response;
 use self::support_user_me::maybe_build_local_users_me_response;
 use self::support_wallet::{
-    maybe_build_local_wallet_response, sanitize_wallet_gateway_response,
+    direct_gateway_channels, maybe_build_local_wallet_response, sanitize_wallet_gateway_response,
     wallet_normalize_optional_string_field,
 };
 

apps/aether-gateway/src/handlers/public/support/billing.rs

@@ -6,6 +6,10 @@ use super::{
     build_auth_error_response, build_auth_json_response, resolve_authenticated_local_user,
     sanitize_wallet_gateway_response, unix_secs_to_rfc3339, AppState, GatewayPublicRequestContext,
 };
+use crate::handlers::shared::{
+    create_alipay_direct_checkout, create_stripe_direct_checkout, create_wxpay_direct_checkout,
+    direct_payment_client_ip, DirectPaymentCheckoutInput,
+};
 use axum::{
     body::{Body, Bytes},
     http,
@@ -14,7 +18,7 @@ use axum::{
 };
 use chrono::Utc;
 use serde::Deserialize;
-use serde_json::json;
+use serde_json::{json, Value};
 use uuid::Uuid;
 
 const BILLING_STORAGE_UNAVAILABLE_DETAIL: &str = "套餐后端暂不可用";
@@ -56,15 +60,18 @@ fn normalize_checkout_request(
     let payment_provider = normalize_optional_checkout_string(payload.payment_provider, 30)
         .or_else(|| normalize_optional_checkout_string(payload.payment_method.clone(), 30))
         .unwrap_or_else(|| "epay".to_string());
-    if payment_provider != "epay" {
+    if !matches!(
+        payment_provider.as_str(),
+        "epay" | "alipay" | "wxpay" | "stripe"
+    ) {
         return Err("unsupported payment_provider");
     }
     let payment_method = normalize_optional_checkout_string(payload.payment_method, 30)
-        .unwrap_or_else(|| "epay".to_string());
+        .unwrap_or_else(|| payment_provider.clone());
     let payment_channel = normalize_optional_checkout_string(payload.payment_channel, 30)
         .or_else(|| (payment_method != "epay").then_some(payment_method.clone()));
     Ok(NormalizedBillingPlanCheckoutRequest {
-        payment_method: "epay".to_string(),
+        payment_method: payment_provider.clone(),
         payment_provider,
         payment_channel,
     })
@@ -320,110 +327,297 @@ pub(super) async fn handle_billing_plan_checkout(
             false,
         );
     }
-    let config = match load_epay_config(state).await {
-        Ok(value) => value,
-        Err(detail) => {
-            return build_auth_error_response(http::StatusCode::BAD_REQUEST, detail, false)
-        }
-    };
+    let now = Utc::now();
+    let order_no = billing_order_no(now);
+    let expires_at = now + chrono::Duration::minutes(30);
+    let requested_provider = checkout_request.payment_provider.as_str();
+    let payment_method = checkout_request.payment_method.clone();
     let payment_channel =
-        match resolve_epay_channel(&config, checkout_request.payment_channel.as_deref()) {
-            Ok(value) => value,
-            Err(detail) => {
-                return build_auth_error_response(http::StatusCode::BAD_REQUEST, detail, false);
-            }
-        };
-    let (amount_usd, pay_amount) =
-        match compute_plan_payment_amounts(&plan, &config.pay_currency, config.usd_exchange_rate) {
+        checkout_request
+            .payment_channel
+            .clone()
+            .or_else(|| match requested_provider {
+                "alipay" => Some("alipay".to_string()),
+                "wxpay" => Some("native".to_string()),
+                "stripe" => Some("card".to_string()),
+                _ => None,
+            });
+    if requested_provider == "epay" {
+        let config = match load_epay_config(state).await {
             Ok(value) => value,
             Err(detail) => {
                 return build_auth_error_response(http::StatusCode::BAD_REQUEST, detail, false)
             }
         };
-    let Some(callback_base_url) = epay_callback_base_url(
-        config.callback_base_url.as_deref(),
-        headers,
-        request_context,
-    ) else {
-        return build_auth_error_response(
-            http::StatusCode::BAD_REQUEST,
-            "epay callback_base_url is required",
-            false,
-        );
-    };
-    let now = Utc::now();
-    let order_no = billing_order_no(now);
-    let expires_at = now + chrono::Duration::minutes(30);
-    let checkout = build_epay_checkout_url(
-        &config,
-        &EpayCheckoutInput {
-            order_no: order_no.clone(),
-            channel: payment_channel.clone(),
-            subject: plan.title.clone(),
-            pay_amount,
-            notify_url: format!("{callback_base_url}/api/payment/epay/notify"),
-            return_url: format!("{callback_base_url}/api/payment/epay/return"),
-        },
-    );
-    let outcome = match state
-        .create_plan_purchase_order(
-            aether_data::repository::wallet::CreatePlanPurchaseOrderInput {
-                preferred_wallet_id: None,
-                user_id: auth.user.id.clone(),
-                amount_usd,
-                pay_amount,
-                pay_currency: config.pay_currency.clone(),
-                exchange_rate: config.usd_exchange_rate,
-                payment_method: checkout_request.payment_method,
-                payment_provider: Some(checkout_request.payment_provider),
-                payment_channel: Some(payment_channel),
-                gateway_order_id: order_no.clone(),
-                gateway_response: checkout.clone(),
-                order_no,
-                product_id: plan.id.clone(),
-                product_snapshot: billing_plan_snapshot(&plan),
-                expires_at_unix_secs: expires_at.timestamp().max(0) as u64,
-            },
-        )
-        .await
-    {
-        Ok(Some(value)) => value,
-        Ok(None) => return billing_storage_unavailable_response(),
-        Err(err) => {
-            return build_auth_error_response(
-                http::StatusCode::INTERNAL_SERVER_ERROR,
-                format!("billing checkout create failed: {err:?}"),
-                false,
-            )
-        }
-    };
-    let order = match outcome {
-        aether_data::repository::wallet::CreatePlanPurchaseOrderOutcome::Created(order) => {
-            payment_order_payload(&order, &plan)
-        }
-        aether_data::repository::wallet::CreatePlanPurchaseOrderOutcome::WalletInactive => {
+        let payment_channel =
+            match resolve_epay_channel(&config, checkout_request.payment_channel.as_deref()) {
+                Ok(value) => value,
+                Err(detail) => {
+                    return build_auth_error_response(http::StatusCode::BAD_REQUEST, detail, false);
+                }
+            };
+        let payment_channel_id = payment_channel.channel.clone();
+        let (amount_usd, pay_amount) = match compute_plan_payment_amounts(
+            &plan,
+            &config.pay_currency,
+            config.usd_exchange_rate,
+        ) {
+            Ok(value) => value,
+            Err(detail) => {
+                return build_auth_error_response(http::StatusCode::BAD_REQUEST, detail, false)
+            }
+        };
+        let Some(callback_base_url) = epay_callback_base_url(
+            config.callback_base_url.as_deref(),
+            headers,
+            request_context,
+        ) else {
             return build_auth_error_response(
                 http::StatusCode::BAD_REQUEST,
-                "wallet is not active",
+                "epay callback_base_url is required",
                 false,
+            );
+        };
+        let checkout = build_epay_checkout_url(
+            &config,
+            &EpayCheckoutInput {
+                order_no: order_no.clone(),
+                channel: payment_channel_id.clone(),
+                subject: plan.title.clone(),
+                pay_amount,
+                notify_url: format!("{callback_base_url}/api/payment/epay/notify"),
+                return_url: format!("{callback_base_url}/api/payment/epay/return"),
+            },
+        );
+        let outcome = match state
+            .create_plan_purchase_order(
+                aether_data::repository::wallet::CreatePlanPurchaseOrderInput {
+                    preferred_wallet_id: None,
+                    user_id: auth.user.id.clone(),
+                    amount_usd,
+                    pay_amount,
+                    pay_currency: config.pay_currency.clone(),
+                    exchange_rate: config.usd_exchange_rate,
+                    payment_method: payment_method.clone(),
+                    payment_provider: Some(checkout_request.payment_provider.clone()),
+                    payment_channel: Some(payment_channel_id),
+                    gateway_order_id: order_no.clone(),
+                    gateway_response: checkout.clone(),
+                    order_no: order_no.clone(),
+                    product_id: plan.id.clone(),
+                    product_snapshot: billing_plan_snapshot(&plan),
+                    expires_at_unix_secs: expires_at.timestamp().max(0) as u64,
+                },
             )
-        }
-        aether_data::repository::wallet::CreatePlanPurchaseOrderOutcome::ActivePlanLimitReached => {
+            .await
+        {
+            Ok(Some(value)) => value,
+            Ok(None) => return billing_storage_unavailable_response(),
+            Err(err) => {
+                return build_auth_error_response(
+                    http::StatusCode::INTERNAL_SERVER_ERROR,
+                    format!("billing checkout create failed: {err:?}"),
+                    false,
+                )
+            }
+        };
+        let order = match outcome {
+            aether_data::repository::wallet::CreatePlanPurchaseOrderOutcome::Created(order) => {
+                payment_order_payload(&order, &plan)
+            }
+            aether_data::repository::wallet::CreatePlanPurchaseOrderOutcome::WalletInactive => {
+                return build_auth_error_response(
+                    http::StatusCode::BAD_REQUEST,
+                    "wallet is not active",
+                    false,
+                )
+            }
+            aether_data::repository::wallet::CreatePlanPurchaseOrderOutcome::ActivePlanLimitReached => {
+                return build_auth_error_response(
+                    http::StatusCode::CONFLICT,
+                    "套餐购买限制已达到上限",
+                    false,
+                )
+            }
+        };
+        build_auth_json_response(
+            http::StatusCode::OK,
+            json!({
+                "order": order,
+                "payment_instructions": sanitize_wallet_gateway_response(Some(checkout)),
+            }),
+            None,
+        )
+    } else {
+        let (payment_channel, display_name, pay_currency, usd_exchange_rate, callback_base_url) = {
+            let record = match state.find_payment_gateway_config(requested_provider).await {
+                Ok(Some(value)) if value.enabled && value.merchant_key_encrypted.is_some() => value,
+                Ok(Some(_)) | Ok(None) => {
+                    return build_auth_error_response(
+                        http::StatusCode::BAD_REQUEST,
+                        "支付网关未启用或密钥未配置",
+                        false,
+                    )
+                }
+                Err(err) => {
+                    return build_auth_error_response(
+                        http::StatusCode::INTERNAL_SERVER_ERROR,
+                        format!("payment gateway lookup failed: {err:?}"),
+                        false,
+                    )
+                }
+            };
+            let payment_channel =
+                payment_channel
+                    .clone()
+                    .unwrap_or_else(|| match requested_provider {
+                        "alipay" => "alipay".to_string(),
+                        "wxpay" => "native".to_string(),
+                        "stripe" => "card".to_string(),
+                        _ => "alipay".to_string(),
+                    });
+            let display_name = match requested_provider {
+                "alipay" => "支付宝官方".to_string(),
+                "wxpay" => match payment_channel.as_str() {
+                    "h5" => "微信 H5".to_string(),
+                    "jsapi" => "微信 JSAPI".to_string(),
+                    _ => "微信 Native".to_string(),
+                },
+                "stripe" => match payment_channel.as_str() {
+                    "alipay" => "Stripe Alipay".to_string(),
+                    "wechat_pay" => "Stripe WeChat Pay".to_string(),
+                    "link" => "Stripe Link".to_string(),
+                    _ => "Stripe Card".to_string(),
+                },
+                _ => "支付".to_string(),
+            };
+            (
+                payment_channel,
+                display_name,
+                record.pay_currency,
+                record.usd_exchange_rate,
+                record.callback_base_url,
+            )
+        };
+        let (amount_usd, pay_amount) =
+            match compute_plan_payment_amounts(&plan, &pay_currency, usd_exchange_rate) {
+                Ok(value) => value,
+                Err(detail) => {
+                    return build_auth_error_response(http::StatusCode::BAD_REQUEST, detail, false)
+                }
+            };
+        let Some(callback_base_url) =
+            epay_callback_base_url(callback_base_url.as_deref(), headers, request_context)
+        else {
             return build_auth_error_response(
-                http::StatusCode::CONFLICT,
-                "套餐购买限制已达到上限",
+                http::StatusCode::BAD_REQUEST,
+                "支付网关 callback_base_url is required",
                 false,
+            );
+        };
+        let direct_input = DirectPaymentCheckoutInput {
+            payment_channel: payment_channel.clone(),
+            display_name,
+            order_no: order_no.clone(),
+            subject: plan.title.clone(),
+            pay_amount,
+            pay_currency: pay_currency.clone(),
+            notify_url: format!("{callback_base_url}/api/payment/{requested_provider}/notify"),
+            return_url: Some(format!("{callback_base_url}/dashboard/billing")),
+            client_ip: direct_payment_client_ip(headers),
+            expires_at,
+        };
+        let checkout = match requested_provider {
+            "alipay" => match create_alipay_direct_checkout(state, &direct_input).await {
+                Ok(value) => value,
+                Err(detail) => {
+                    return build_auth_error_response(http::StatusCode::BAD_GATEWAY, detail, false)
+                }
+            },
+            "wxpay" => match create_wxpay_direct_checkout(state, &direct_input).await {
+                Ok(value) => value,
+                Err(detail) => {
+                    return build_auth_error_response(http::StatusCode::BAD_GATEWAY, detail, false)
+                }
+            },
+            "stripe" => match create_stripe_direct_checkout(state, &direct_input).await {
+                Ok(value) => value,
+                Err(detail) => {
+                    return build_auth_error_response(http::StatusCode::BAD_GATEWAY, detail, false)
+                }
+            },
+            _ => {
+                return build_auth_error_response(
+                    http::StatusCode::BAD_REQUEST,
+                    "unsupported payment provider",
+                    false,
+                )
+            }
+        };
+        let outcome = match state
+            .create_plan_purchase_order(
+                aether_data::repository::wallet::CreatePlanPurchaseOrderInput {
+                    preferred_wallet_id: None,
+                    user_id: auth.user.id.clone(),
+                    amount_usd,
+                    pay_amount,
+                    pay_currency: pay_currency.clone(),
+                    exchange_rate: usd_exchange_rate,
+                    payment_method,
+                    payment_provider: Some(requested_provider.to_string()),
+                    payment_channel: Some(payment_channel.clone()),
+                    gateway_order_id: checkout
+                        .get("gateway_order_id")
+                        .and_then(Value::as_str)
+                        .unwrap_or(&order_no)
+                        .to_string(),
+                    gateway_response: checkout.clone(),
+                    order_no: order_no.clone(),
+                    product_id: plan.id.clone(),
+                    product_snapshot: billing_plan_snapshot(&plan),
+                    expires_at_unix_secs: expires_at.timestamp().max(0) as u64,
+                },
             )
-        }
-    };
-    build_auth_json_response(
-        http::StatusCode::OK,
-        json!({
-            "order": order,
-            "payment_instructions": sanitize_wallet_gateway_response(Some(checkout)),
-        }),
-        None,
-    )
+            .await
+        {
+            Ok(Some(value)) => value,
+            Ok(None) => return billing_storage_unavailable_response(),
+            Err(err) => {
+                return build_auth_error_response(
+                    http::StatusCode::INTERNAL_SERVER_ERROR,
+                    format!("billing checkout create failed: {err:?}"),
+                    false,
+                )
+            }
+        };
+        let order = match outcome {
+            aether_data::repository::wallet::CreatePlanPurchaseOrderOutcome::Created(order) => {
+                payment_order_payload(&order, &plan)
+            }
+            aether_data::repository::wallet::CreatePlanPurchaseOrderOutcome::WalletInactive => {
+                return build_auth_error_response(
+                    http::StatusCode::BAD_REQUEST,
+                    "wallet is not active",
+                    false,
+                )
+            }
+            aether_data::repository::wallet::CreatePlanPurchaseOrderOutcome::ActivePlanLimitReached => {
+                return build_auth_error_response(
+                    http::StatusCode::CONFLICT,
+                    "套餐购买限制已达到上限",
+                    false,
+                )
+            }
+        };
+        build_auth_json_response(
+            http::StatusCode::OK,
+            json!({
+                "order": order,
+                "payment_instructions": sanitize_wallet_gateway_response(Some(checkout)),
+            }),
+            None,
+        )
+    }
 }
 
 pub(super) async fn maybe_build_local_billing_response(

apps/aether-gateway/src/handlers/public/support/payment.rs

@@ -4,6 +4,8 @@ pub(super) use super::{
     build_auth_error_response, build_auth_json_response, AppState, GatewayPublicRequestContext,
 };
 
+#[path = "payment/alipay.rs"]
+mod payment_alipay;
 #[path = "payment/epay.rs"]
 pub(super) mod payment_epay;
 #[path = "payment/gateway.rs"]
@@ -14,11 +16,19 @@ mod payment_repository;
 mod payment_route;
 #[path = "payment/shared.rs"]
 mod payment_shared;
+#[path = "payment/stripe.rs"]
+mod payment_stripe;
 #[cfg(test)]
 #[path = "payment/test_support.rs"]
 mod payment_test_support;
+#[path = "payment/wxpay.rs"]
+mod payment_wxpay;
 
-use self::payment_repository::handle_payment_callback_with_wallet_repository;
+use self::payment_repository::{
+    handle_payment_callback_input_with_wallet_repository,
+    handle_payment_callback_with_wallet_repository,
+    process_payment_callback_input_with_wallet_repository,
+};
 use self::payment_shared::NormalizedPaymentCallbackRequest;
 
 const PAYMENT_CALLBACK_STORAGE_UNAVAILABLE_DETAIL: &str = "支付回调存储暂不可用";

apps/aether-gateway/src/handlers/public/support/payment/alipay.rs

@@ -0,0 +1,64 @@
+use axum::{body::Body, http, response::Response};
+
+use super::{
+    process_payment_callback_input_with_wallet_repository, AppState, GatewayPublicRequestContext,
+};
+use tracing::warn;
+
+fn alipay_plain(status: http::StatusCode, body: &'static str) -> Response<Body> {
+    Response::builder()
+        .status(status)
+        .header(http::header::CONTENT_TYPE, "text/plain; charset=utf-8")
+        .body(Body::from(body))
+        .expect("alipay plain response should build")
+}
+
+pub(super) async fn handle_alipay_notify(
+    state: &AppState,
+    request_context: &GatewayPublicRequestContext,
+    request_body: Option<&axum::body::Bytes>,
+) -> Response<Body> {
+    let Some(request_body) = request_body else {
+        return alipay_plain(http::StatusCode::OK, "fail");
+    };
+    let input =
+        match crate::handlers::shared::verify_alipay_notify_callback(state, request_body).await {
+            Ok(value) => value,
+            Err(detail) => {
+                warn!(error = %detail, "alipay notify verification failed");
+                return alipay_plain(http::StatusCode::OK, "fail");
+            }
+        };
+    match process_payment_callback_input_with_wallet_repository(state, input).await {
+        Ok(aether_data::repository::wallet::ProcessPaymentCallbackOutcome::Applied {
+            order,
+            order_id,
+            ..
+        }) => {
+            if let Err(err) = state.apply_referral_rewards_for_paid_order(&order).await {
+                warn!(
+                    error = ?err,
+                    order_id = %order_id,
+                    "failed to apply referral rewards for alipay callback"
+                );
+            }
+            alipay_plain(http::StatusCode::OK, "success")
+        }
+        Ok(
+            aether_data::repository::wallet::ProcessPaymentCallbackOutcome::AlreadyCredited {
+                ..
+            }
+            | aether_data::repository::wallet::ProcessPaymentCallbackOutcome::DuplicateProcessed {
+                ..
+            },
+        ) => alipay_plain(http::StatusCode::OK, "success"),
+        Ok(aether_data::repository::wallet::ProcessPaymentCallbackOutcome::Failed {
+            error,
+            ..
+        }) => {
+            warn!(error = %error, path = %request_context.request_path, "alipay notify processing failed");
+            alipay_plain(http::StatusCode::OK, "fail")
+        }
+        Err(response) => response,
+    }
+}

apps/aether-gateway/src/handlers/public/support/payment/epay.rs

@@ -19,10 +19,11 @@ pub(crate) struct EpayMerchantConfig {
     pub(crate) channels: serde_json::Value,
 }
 
-#[derive(Debug, Clone, PartialEq, Eq)]
+#[derive(Debug, Clone, PartialEq)]
 pub(crate) struct EpayChannelConfig {
     pub(crate) channel: String,
     pub(crate) display_name: String,
+    pub(crate) fee_rate: f64,
 }
 
 #[derive(Debug, Clone)]
@@ -35,8 +36,22 @@ pub(crate) struct EpayCheckoutInput {
     pub(crate) return_url: String,
 }
 
+fn epay_channel_fee_rate(value: Option<&serde_json::Value>) -> f64 {
+    let fee_rate = match value {
+        Some(serde_json::Value::Number(number)) => number.as_f64().unwrap_or(0.0),
+        Some(serde_json::Value::String(value)) => value.trim().parse::<f64>().unwrap_or(0.0),
+        _ => 0.0,
+    };
+    if fee_rate.is_finite() && fee_rate >= 0.0 {
+        fee_rate
+    } else {
+        0.0
+    }
+}
+
 pub(crate) fn configured_epay_channels(config: &EpayMerchantConfig) -> Vec<EpayChannelConfig> {
-    let Some(channels) = config.channels.as_array() else {
+    let channels_value = crate::handlers::shared::payment_gateway_channels_json(&config.channels);
+    let Some(channels) = channels_value.as_array() else {
         return Vec::new();
     };
     channels
@@ -58,6 +73,7 @@ pub(crate) fn configured_epay_channels(config: &EpayMerchantConfig) -> Vec<EpayC
             Some(EpayChannelConfig {
                 channel: channel_id.to_string(),
                 display_name,
+                fee_rate: epay_channel_fee_rate(channel.get("fee_rate")),
             })
         })
         .collect()
@@ -66,7 +82,7 @@ pub(crate) fn configured_epay_channels(config: &EpayMerchantConfig) -> Vec<EpayC
 pub(crate) fn resolve_epay_channel(
     config: &EpayMerchantConfig,
     requested_channel: Option<&str>,
-) -> Result<String, &'static str> {
+) -> Result<EpayChannelConfig, &'static str> {
     let channels = configured_epay_channels(config);
     if channels.is_empty() {
         return Err("支付网关未配置可用通道");
@@ -79,11 +95,11 @@ pub(crate) fn resolve_epay_channel(
             .iter()
             .find(|channel| channel.channel.eq_ignore_ascii_case(&requested_channel))
         {
-            return Ok(channel.channel.clone());
+            return Ok(channel.clone());
         }
         return Err("支付通道未配置或已停用");
     }
-    Ok(channels[0].channel.clone())
+    Ok(channels[0].clone())
 }
 
 pub(crate) fn epay_sign(params: &BTreeMap<String, String>, merchant_key: &str) -> String {
@@ -444,8 +460,8 @@ mod tests {
     #[test]
     fn configured_epay_channels_do_not_invent_defaults() {
         let mut config = test_epay_config(json!([
-            {"channel": " Alipay ", "display_name": "支付宝"},
-            {"type": "wxpay", "display_name": ""},
+            {"channel": " Alipay ", "display_name": "支付宝", "fee_rate": 2.5},
+            {"type": "wxpay", "display_name": "", "fee_rate": "1.2"},
             {"display_name": "缺少通道值"}
         ]));
 
@@ -453,14 +469,16 @@ mod tests {
         assert_eq!(channels.len(), 2);
         assert_eq!(channels[0].channel, "Alipay");
         assert_eq!(channels[0].display_name, "支付宝");
+        assert_eq!(channels[0].fee_rate, 2.5);
         assert_eq!(channels[1].channel, "wxpay");
         assert_eq!(channels[1].display_name, "wxpay");
+        assert_eq!(channels[1].fee_rate, 1.2);
         assert_eq!(
-            resolve_epay_channel(&config, None),
+            resolve_epay_channel(&config, None).map(|channel| channel.channel),
             Ok("Alipay".to_string())
         );
         assert_eq!(
-            resolve_epay_channel(&config, Some("WXPAY")),
+            resolve_epay_channel(&config, Some("WXPAY")).map(|channel| channel.channel),
             Ok("wxpay".to_string())
         );
         assert_eq!(

apps/aether-gateway/src/handlers/public/support/payment/repository.rs

@@ -2,6 +2,7 @@ use super::payment_shared::{
     payment_callback_mark_failed_response, payment_callback_payload_hash,
     NormalizedPaymentCallbackRequest,
 };
+use aether_data::repository::wallet::{ProcessPaymentCallbackInput, ProcessPaymentCallbackOutcome};
 use axum::{body::Body, http, response::Response};
 use serde_json::json;
 
@@ -29,35 +30,37 @@ pub(super) async fn handle_payment_callback_with_wallet_repository(
             return build_auth_error_response(http::StatusCode::INTERNAL_SERVER_ERROR, err, false)
         }
     };
-    let outcome = match state
-        .process_payment_callback(
-            aether_data::repository::wallet::ProcessPaymentCallbackInput {
-                payment_method: payment_method.to_string(),
-                payment_provider: None,
-                payment_channel: None,
-                callback_key: payload.callback_key.clone(),
-                order_no: payload.order_no.clone(),
-                gateway_order_id: payload.gateway_order_id.clone(),
-                amount_usd: payload.amount_usd,
-                pay_amount: payload.pay_amount,
-                pay_currency: payload.pay_currency.clone(),
-                exchange_rate: payload.exchange_rate,
-                payload_hash: callback_payload_hash,
-                payload: payload.payload.clone(),
-                signature_valid,
-            },
-        )
-        .await
-    {
-        Ok(Some(value)) => value,
-        Ok(None) => return build_payment_callback_storage_unavailable_response(),
-        Err(err) => {
-            return build_auth_error_response(
-                http::StatusCode::INTERNAL_SERVER_ERROR,
-                format!("payment callback failed: {err:?}"),
-                false,
-            )
-        }
+    handle_payment_callback_input_with_wallet_repository(
+        state,
+        request_context,
+        ProcessPaymentCallbackInput {
+            payment_method: payment_method.to_string(),
+            payment_provider: None,
+            payment_channel: None,
+            callback_key: payload.callback_key.clone(),
+            order_no: payload.order_no.clone(),
+            gateway_order_id: payload.gateway_order_id.clone(),
+            amount_usd: payload.amount_usd,
+            pay_amount: payload.pay_amount,
+            pay_currency: payload.pay_currency.clone(),
+            exchange_rate: payload.exchange_rate,
+            payload_hash: callback_payload_hash,
+            payload: payload.payload.clone(),
+            signature_valid,
+        },
+    )
+    .await
+}
+
+pub(super) async fn handle_payment_callback_input_with_wallet_repository(
+    state: &AppState,
+    request_context: &GatewayPublicRequestContext,
+    input: ProcessPaymentCallbackInput,
+) -> Response<Body> {
+    let payment_method = input.payment_method.clone();
+    let outcome = match process_payment_callback_input_with_wallet_repository(state, input).await {
+        Ok(value) => value,
+        Err(response) => return response,
     };
 
     match outcome {
@@ -81,7 +84,7 @@ pub(super) async fn handle_payment_callback_with_wallet_repository(
         } => payment_callback_mark_failed_response(
             duplicate,
             &error,
-            payment_method,
+            &payment_method,
             &request_context.request_path,
         ),
         aether_data::repository::wallet::ProcessPaymentCallbackOutcome::AlreadyCredited {
@@ -137,6 +140,25 @@ pub(super) async fn handle_payment_callback_with_wallet_repository(
     }
 }
 
+pub(super) async fn process_payment_callback_input_with_wallet_repository(
+    state: &AppState,
+    input: ProcessPaymentCallbackInput,
+) -> Result<ProcessPaymentCallbackOutcome, Response<Body>> {
+    if !state.has_database_wallet_data_writer() {
+        return Err(build_payment_callback_storage_unavailable_response());
+    }
+
+    match state.process_payment_callback(input).await {
+        Ok(Some(value)) => Ok(value),
+        Ok(None) => Err(build_payment_callback_storage_unavailable_response()),
+        Err(err) => Err(build_auth_error_response(
+            http::StatusCode::INTERNAL_SERVER_ERROR,
+            format!("payment callback failed: {err:?}"),
+            false,
+        )),
+    }
+}
+
 #[cfg(test)]
 mod tests {
     use super::{

apps/aether-gateway/src/handlers/public/support/payment/route.rs

@@ -7,8 +7,8 @@ use super::payment_shared::{
 };
 use super::{
     build_auth_error_response, build_payment_callback_storage_unavailable_response,
-    handle_payment_callback_with_wallet_repository, payment_epay, AppState,
-    GatewayPublicRequestContext,
+    handle_payment_callback_with_wallet_repository, payment_alipay, payment_epay, payment_stripe,
+    payment_wxpay, AppState, GatewayPublicRequestContext,
 };
 
 pub(super) async fn maybe_build_local_payment_callback_route_response(
@@ -30,6 +30,25 @@ pub(super) async fn maybe_build_local_payment_callback_route_response(
         return Some(payment_epay::handle_epay_return(state, request_context, request_body).await);
     }
 
+    if decision.route_kind.as_deref() == Some("alipay_notify") {
+        return Some(
+            payment_alipay::handle_alipay_notify(state, request_context, request_body).await,
+        );
+    }
+
+    if decision.route_kind.as_deref() == Some("wxpay_notify") {
+        return Some(
+            payment_wxpay::handle_wxpay_notify(state, request_context, headers, request_body).await,
+        );
+    }
+
+    if decision.route_kind.as_deref() == Some("stripe_webhook") {
+        return Some(
+            payment_stripe::handle_stripe_webhook(state, request_context, headers, request_body)
+                .await,
+        );
+    }
+
     if decision.route_kind.as_deref() != Some("callback") {
         return None;
     }

apps/aether-gateway/src/handlers/public/support/payment/stripe.rs

@@ -0,0 +1,339 @@
+use axum::{body::Body, http, response::Response};
+use hmac::{Hmac, Mac};
+use serde_json::{json, Value};
+use sha2::Sha256;
+
+use super::{
+    build_auth_error_response, build_auth_json_response,
+    handle_payment_callback_input_with_wallet_repository,
+    payment_shared::payment_callback_payload_hash, AppState, GatewayPublicRequestContext,
+};
+
+const STRIPE_SIGNATURE_HEADER: &str = "stripe-signature";
+const STRIPE_SIGNATURE_TOLERANCE_SECONDS: i64 = 300;
+
+type HmacSha256 = Hmac<Sha256>;
+
+fn decrypt_gateway_secrets(
+    state: &AppState,
+    record: &aether_data_contracts::repository::billing::PaymentGatewayConfigRecord,
+) -> Result<serde_json::Map<String, Value>, String> {
+    let Some(encrypted) = record.merchant_key_encrypted.as_deref() else {
+        return Err("Stripe webhook_secret 未配置".to_string());
+    };
+    let Some(plaintext) = crate::handlers::shared::decrypt_catalog_secret_with_fallbacks(
+        state.encryption_key(),
+        encrypted,
+    ) else {
+        return Err("Stripe 密钥解密失败".to_string());
+    };
+    serde_json::from_str::<Value>(&plaintext)
+        .ok()
+        .and_then(|value| value.as_object().cloned())
+        .ok_or_else(|| "Stripe 密钥格式无效".to_string())
+}
+
+fn gateway_secret_string(secrets: &serde_json::Map<String, Value>, key: &str) -> Option<String> {
+    secrets
+        .get(key)
+        .and_then(Value::as_str)
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .map(ToOwned::to_owned)
+}
+
+async fn stripe_webhook_secret(state: &AppState) -> Result<String, String> {
+    let Some(record) = state
+        .find_payment_gateway_config("stripe")
+        .await
+        .map_err(|err| format!("Stripe 配置读取失败: {err:?}"))?
+    else {
+        return Err("Stripe 未配置".to_string());
+    };
+    if !record.enabled {
+        return Err("Stripe 未启用".to_string());
+    }
+    let secrets = decrypt_gateway_secrets(state, &record)?;
+    gateway_secret_string(&secrets, "webhook_secret")
+        .ok_or_else(|| "Stripe webhook_secret 未配置".to_string())
+}
+
+fn parse_stripe_signature_header(value: &str) -> Option<(i64, Vec<&str>)> {
+    let mut timestamp = None;
+    let mut signatures = Vec::new();
+    for part in value.split(',') {
+        let Some((key, value)) = part.trim().split_once('=') else {
+            continue;
+        };
+        match key.trim() {
+            "t" => timestamp = value.trim().parse::<i64>().ok(),
+            "v1" => {
+                let signature = value.trim();
+                if !signature.is_empty() {
+                    signatures.push(signature);
+                }
+            }
+            _ => {}
+        }
+    }
+    timestamp.map(|value| (value, signatures))
+}
+
+fn hex_to_bytes(value: &str) -> Option<Vec<u8>> {
+    let value = value.trim();
+    if !value.len().is_multiple_of(2) {
+        return None;
+    }
+    let mut bytes = Vec::with_capacity(value.len() / 2);
+    let mut chars = value.as_bytes().chunks_exact(2);
+    for chunk in &mut chars {
+        let hex = std::str::from_utf8(chunk).ok()?;
+        bytes.push(u8::from_str_radix(hex, 16).ok()?);
+    }
+    Some(bytes)
+}
+
+fn stripe_signature_matches_at(
+    secret: &str,
+    signature_header: &str,
+    body: &[u8],
+    now_unix_secs: i64,
+) -> Result<bool, String> {
+    let Some((timestamp, signatures)) = parse_stripe_signature_header(signature_header) else {
+        return Ok(false);
+    };
+    if signatures.is_empty() {
+        return Ok(false);
+    }
+    if (now_unix_secs - timestamp).abs() > STRIPE_SIGNATURE_TOLERANCE_SECONDS {
+        return Ok(false);
+    }
+
+    for signature in signatures {
+        let Some(signature_bytes) = hex_to_bytes(signature) else {
+            continue;
+        };
+        let mut mac = HmacSha256::new_from_slice(secret.as_bytes())
+            .map_err(|err| format!("Stripe webhook HMAC 初始化失败: {err}"))?;
+        mac.update(timestamp.to_string().as_bytes());
+        mac.update(b".");
+        mac.update(body);
+        if mac.verify_slice(&signature_bytes).is_ok() {
+            return Ok(true);
+        }
+    }
+    Ok(false)
+}
+
+fn stripe_amount_multiplier(currency: &str) -> f64 {
+    match currency.trim().to_ascii_lowercase().as_str() {
+        "bif" | "clp" | "djf" | "gnf" | "jpy" | "kmf" | "krw" | "mga" | "pyg" | "rwf" | "ugx"
+        | "vnd" | "vuv" | "xaf" | "xof" | "xpf" => 1.0,
+        _ => 100.0,
+    }
+}
+
+fn stripe_amount_to_major(amount_minor: i64, currency: &str) -> f64 {
+    amount_minor as f64 / stripe_amount_multiplier(currency)
+}
+
+fn stripe_string_field<'a>(value: &'a Value, key: &str) -> Option<&'a str> {
+    value
+        .get(key)
+        .and_then(Value::as_str)
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+}
+
+fn stripe_payment_intent_channel(intent: &Value) -> Option<String> {
+    intent
+        .get("payment_method_types")
+        .and_then(Value::as_array)
+        .into_iter()
+        .flatten()
+        .filter_map(Value::as_str)
+        .map(str::trim)
+        .find(|value| !value.is_empty())
+        .map(ToOwned::to_owned)
+}
+
+async fn build_stripe_callback_input(
+    state: &AppState,
+    event: Value,
+) -> Result<Option<aether_data::repository::wallet::ProcessPaymentCallbackInput>, String> {
+    let event_type = stripe_string_field(&event, "type").unwrap_or("");
+    if event_type != "payment_intent.succeeded" {
+        return Ok(None);
+    }
+
+    let event_id = stripe_string_field(&event, "id")
+        .ok_or_else(|| "Stripe 事件缺少 id".to_string())?
+        .to_string();
+    let intent = event
+        .get("data")
+        .and_then(|value| value.get("object"))
+        .ok_or_else(|| "Stripe 事件缺少 PaymentIntent".to_string())?;
+    let intent_id = stripe_string_field(intent, "id")
+        .ok_or_else(|| "Stripe PaymentIntent 缺少 id".to_string())?
+        .to_string();
+    let order_no = intent
+        .get("metadata")
+        .and_then(Value::as_object)
+        .and_then(|metadata| metadata.get("order_no"))
+        .and_then(Value::as_str)
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .map(ToOwned::to_owned);
+    let Some(order_no) = order_no else {
+        return Err("Stripe PaymentIntent 缺少 metadata.order_no".to_string());
+    };
+    let currency = stripe_string_field(intent, "currency")
+        .unwrap_or("usd")
+        .to_ascii_uppercase();
+    let amount_minor = intent
+        .get("amount_received")
+        .or_else(|| intent.get("amount"))
+        .and_then(Value::as_i64)
+        .filter(|value| *value > 0)
+        .ok_or_else(|| "Stripe PaymentIntent 金额无效".to_string())?;
+    let pay_amount = stripe_amount_to_major(amount_minor, &currency);
+
+    let record = state
+        .find_payment_gateway_config("stripe")
+        .await
+        .map_err(|err| format!("Stripe 配置读取失败: {err:?}"))?
+        .ok_or_else(|| "Stripe 未配置".to_string())?;
+    let exchange_rate = record.usd_exchange_rate;
+    let amount_usd = if exchange_rate > 0.0 {
+        pay_amount / exchange_rate
+    } else {
+        pay_amount
+    };
+    let payload_hash = payment_callback_payload_hash(&event)?;
+    Ok(Some(
+        aether_data::repository::wallet::ProcessPaymentCallbackInput {
+            payment_method: "stripe".to_string(),
+            payment_provider: Some("stripe".to_string()),
+            payment_channel: stripe_payment_intent_channel(intent),
+            callback_key: event_id,
+            order_no: Some(order_no),
+            gateway_order_id: Some(intent_id),
+            amount_usd,
+            pay_amount: Some(pay_amount),
+            pay_currency: Some(currency),
+            exchange_rate: Some(exchange_rate),
+            payload_hash,
+            payload: event,
+            signature_valid: true,
+        },
+    ))
+}
+
+pub(super) async fn handle_stripe_webhook(
+    state: &AppState,
+    request_context: &GatewayPublicRequestContext,
+    headers: &http::HeaderMap,
+    request_body: Option<&axum::body::Bytes>,
+) -> Response<Body> {
+    let Some(request_body) = request_body else {
+        return build_auth_error_response(http::StatusCode::BAD_REQUEST, "缺少请求体", false);
+    };
+    let Some(signature_header) = crate::headers::header_value_str(headers, STRIPE_SIGNATURE_HEADER)
+    else {
+        return build_auth_error_response(
+            http::StatusCode::UNAUTHORIZED,
+            "缺少 Stripe-Signature",
+            false,
+        );
+    };
+    let webhook_secret = match stripe_webhook_secret(state).await {
+        Ok(value) => value,
+        Err(detail) => {
+            return build_auth_error_response(http::StatusCode::SERVICE_UNAVAILABLE, detail, false)
+        }
+    };
+    let now = chrono::Utc::now().timestamp();
+    match stripe_signature_matches_at(&webhook_secret, &signature_header, request_body, now) {
+        Ok(true) => {}
+        Ok(false) => {
+            return build_auth_error_response(
+                http::StatusCode::UNAUTHORIZED,
+                "Stripe webhook 签名无效",
+                false,
+            )
+        }
+        Err(detail) => {
+            return build_auth_error_response(
+                http::StatusCode::INTERNAL_SERVER_ERROR,
+                detail,
+                false,
+            )
+        }
+    }
+
+    let event = match serde_json::from_slice::<Value>(request_body) {
+        Ok(value) => value,
+        Err(_) => {
+            return build_auth_error_response(
+                http::StatusCode::BAD_REQUEST,
+                "Stripe webhook 请求体无效",
+                false,
+            )
+        }
+    };
+    let input = match build_stripe_callback_input(state, event).await {
+        Ok(Some(value)) => value,
+        Ok(None) => {
+            return build_auth_json_response(
+                http::StatusCode::OK,
+                json!({ "ok": true, "ignored": true, "payment_method": "stripe" }),
+                None,
+            )
+        }
+        Err(detail) => {
+            return build_auth_error_response(http::StatusCode::BAD_REQUEST, detail, false)
+        }
+    };
+
+    handle_payment_callback_input_with_wallet_repository(state, request_context, input).await
+}
+
+#[cfg(test)]
+mod tests {
+    use super::{stripe_amount_to_major, stripe_signature_matches_at};
+    use hmac::{Hmac, Mac};
+    use sha2::Sha256;
+
+    #[test]
+    fn stripe_signature_matches_raw_body() {
+        let body = br#"{"id":"evt_1","type":"payment_intent.succeeded"}"#;
+        let secret = "whsec_test";
+        let timestamp = 1_800_000_000_i64;
+        let mut mac = Hmac::<Sha256>::new_from_slice(secret.as_bytes()).expect("hmac");
+        mac.update(timestamp.to_string().as_bytes());
+        mac.update(b".");
+        mac.update(body);
+        let signature = mac
+            .finalize()
+            .into_bytes()
+            .iter()
+            .map(|byte| format!("{byte:02x}"))
+            .collect::<String>();
+        let header = format!("t={timestamp},v1={signature}");
+
+        assert!(
+            stripe_signature_matches_at(secret, &header, body, timestamp)
+                .expect("signature check should run")
+        );
+        assert!(
+            !stripe_signature_matches_at("wrong", &header, body, timestamp)
+                .expect("signature check should run")
+        );
+    }
+
+    #[test]
+    fn stripe_amount_handles_zero_decimal_currencies() {
+        assert_eq!(stripe_amount_to_major(1234, "usd"), 12.34);
+        assert_eq!(stripe_amount_to_major(1234, "jpy"), 1234.0);
+    }
+}

apps/aether-gateway/src/handlers/public/support/payment/wxpay.rs

@@ -0,0 +1,77 @@
+use axum::{body::Body, http, response::Response};
+
+use super::{
+    process_payment_callback_input_with_wallet_repository, AppState, GatewayPublicRequestContext,
+};
+use serde_json::json;
+use tracing::warn;
+
+fn wxpay_json(
+    status: http::StatusCode,
+    code: &'static str,
+    message: impl Into<String>,
+) -> Response<Body> {
+    Response::builder()
+        .status(status)
+        .header(
+            http::header::CONTENT_TYPE,
+            "application/json; charset=utf-8",
+        )
+        .body(Body::from(
+            json!({ "code": code, "message": message.into() }).to_string(),
+        ))
+        .expect("wxpay json response should build")
+}
+
+pub(super) async fn handle_wxpay_notify(
+    state: &AppState,
+    request_context: &GatewayPublicRequestContext,
+    headers: &http::HeaderMap,
+    request_body: Option<&axum::body::Bytes>,
+) -> Response<Body> {
+    let Some(request_body) = request_body else {
+        return wxpay_json(http::StatusCode::BAD_REQUEST, "FAIL", "缺少请求体");
+    };
+    let input =
+        match crate::handlers::shared::verify_wxpay_notify_callback(state, headers, request_body)
+            .await
+        {
+            Ok(value) => value,
+            Err(detail) => {
+                warn!(error = %detail, "wxpay notify verification failed");
+                return wxpay_json(http::StatusCode::BAD_REQUEST, "FAIL", detail);
+            }
+        };
+    match process_payment_callback_input_with_wallet_repository(state, input).await {
+        Ok(aether_data::repository::wallet::ProcessPaymentCallbackOutcome::Applied {
+            order,
+            order_id,
+            ..
+        }) => {
+            if let Err(err) = state.apply_referral_rewards_for_paid_order(&order).await {
+                warn!(
+                    error = ?err,
+                    order_id = %order_id,
+                    "failed to apply referral rewards for wxpay callback"
+                );
+            }
+            wxpay_json(http::StatusCode::OK, "SUCCESS", "成功")
+        }
+        Ok(
+            aether_data::repository::wallet::ProcessPaymentCallbackOutcome::AlreadyCredited {
+                ..
+            }
+            | aether_data::repository::wallet::ProcessPaymentCallbackOutcome::DuplicateProcessed {
+                ..
+            },
+        ) => wxpay_json(http::StatusCode::OK, "SUCCESS", "成功"),
+        Ok(aether_data::repository::wallet::ProcessPaymentCallbackOutcome::Failed {
+            error,
+            ..
+        }) => {
+            warn!(error = %error, path = %request_context.request_path, "wxpay notify processing failed");
+            wxpay_json(http::StatusCode::INTERNAL_SERVER_ERROR, "FAIL", error)
+        }
+        Err(response) => response,
+    }
+}

apps/aether-gateway/src/handlers/public/support/wallet.rs

@@ -35,14 +35,15 @@ use self::reads::{
     handle_wallet_today_cost, handle_wallet_transactions, parse_wallet_limit, parse_wallet_offset,
     wallet_fixed_offset, wallet_transaction_payload_from_record,
 };
-pub(crate) use self::recharge::sanitize_wallet_gateway_response;
+pub(crate) use self::recharge::{direct_gateway_channels, sanitize_wallet_gateway_response};
 use self::recharge::{
     handle_wallet_create_recharge, handle_wallet_recharge_detail, handle_wallet_recharge_list,
     handle_wallet_recharge_options, wallet_recharge_detail_path_matches,
 };
 use self::redeem::handle_wallet_redeem;
 use self::refunds::{
-    handle_wallet_create_refund, handle_wallet_refund_detail, handle_wallet_refunds_list,
+    handle_wallet_create_refund, handle_wallet_refund_detail,
+    handle_wallet_refund_eligible_providers, handle_wallet_refunds_list,
     wallet_refund_detail_path_matches,
 };
 
@@ -59,8 +60,23 @@ const WALLET_SAFE_GATEWAY_RESPONSE_KEYS: &[&str] = &[
     "qr_code",
     "expires_at",
     "pay_amount",
+    "base_pay_amount",
+    "fee_rate",
+    "fee_amount",
     "pay_currency",
     "payment_channel",
+    "code_url",
+    "h5_url",
+    "jsapi",
+    "client_secret",
+    "publishable_key",
+    "intent_id",
+    "payment_method_types",
+    "provider_label",
+    "subject",
+    "callback_url",
+    "return_url",
+    "integration_status",
     "manual_credit",
 ];
 
@@ -138,6 +154,14 @@ pub(super) async fn maybe_build_local_wallet_response(
         return Some(handle_wallet_refunds_list(state, request_context, headers).await);
     }
 
+    if decision.route_kind.as_deref() == Some("refund_eligible_providers")
+        && request_context.request_path == "/api/wallet/refunds/eligible-providers"
+    {
+        return Some(
+            handle_wallet_refund_eligible_providers(state, request_context, headers).await,
+        );
+    }
+
     if decision.route_kind.as_deref() == Some("refund_detail")
         && wallet_refund_detail_path_matches(&request_context.request_path)
     {

apps/aether-gateway/src/handlers/public/support/wallet/recharge.rs

@@ -17,9 +17,13 @@ use super::{
     record_wallet_test_recharge, wallet_test_recharge_order_by_id,
     wallet_test_recharge_orders_for_user,
 };
+use crate::handlers::shared::{
+    create_alipay_direct_checkout, create_wxpay_direct_checkout, direct_payment_client_ip,
+    DirectPaymentCheckoutInput,
+};
 use chrono::Utc;
 use serde::Deserialize;
-use serde_json::json;
+use serde_json::{json, Value};
 use uuid::Uuid;
 
 #[derive(Debug, Deserialize)]
@@ -93,6 +97,17 @@ fn wallet_build_order_no(now: chrono::DateTime<chrono::Utc>) -> String {
     )
 }
 
+fn wallet_payment_return_url(callback_base_url: &str, provider: &str, order_no: &str) -> String {
+    let mut serializer = url::form_urlencoded::Serializer::new(String::new());
+    serializer.append_pair("payment_provider", provider);
+    serializer.append_pair("payment_status", "pending");
+    serializer.append_pair("order_no", order_no);
+    format!(
+        "{callback_base_url}/dashboard/wallet?{}",
+        serializer.finish()
+    )
+}
+
 fn wallet_order_id_from_path(request_path: &str) -> Option<String> {
     let trimmed = request_path.trim_end_matches('/');
     let order_id = trimmed.strip_prefix("/api/wallet/recharge/")?.trim();
@@ -192,6 +207,263 @@ fn wallet_payment_order_payload_from_record(
     )
 }
 
+#[derive(Debug, Clone)]
+pub(crate) struct DirectGatewayChannelConfig {
+    pub(crate) channel: String,
+    pub(crate) display_name: String,
+    pub(crate) fee_rate: f64,
+}
+
+fn configured_channel_fee_rate(value: Option<&Value>) -> f64 {
+    let fee_rate = match value {
+        Some(Value::Number(number)) => number.as_f64().unwrap_or(0.0),
+        Some(Value::String(value)) => value.trim().parse::<f64>().unwrap_or(0.0),
+        _ => 0.0,
+    };
+    if fee_rate.is_finite() && fee_rate >= 0.0 {
+        fee_rate
+    } else {
+        0.0
+    }
+}
+
+fn round_payment_amount(value: f64) -> f64 {
+    (value * 100.0).round() / 100.0
+}
+
+fn wallet_recharge_payment_breakdown(
+    amount_usd: f64,
+    usd_exchange_rate: f64,
+    fee_rate: f64,
+) -> (f64, f64, f64) {
+    let safe_fee_rate = if fee_rate.is_finite() && fee_rate > 0.0 {
+        fee_rate
+    } else {
+        0.0
+    };
+    let base_pay_amount = round_payment_amount(amount_usd * usd_exchange_rate);
+    let fee_amount = round_payment_amount(base_pay_amount * safe_fee_rate / 100.0);
+    let pay_amount = round_payment_amount(base_pay_amount + fee_amount);
+    (base_pay_amount, fee_amount, pay_amount)
+}
+
+fn add_wallet_recharge_fee_metadata(
+    mut checkout: Value,
+    base_pay_amount: f64,
+    fee_rate: f64,
+    fee_amount: f64,
+) -> Value {
+    if let Some(object) = checkout.as_object_mut() {
+        object.insert("base_pay_amount".to_string(), json!(base_pay_amount));
+        object.insert("fee_rate".to_string(), json!(fee_rate));
+        object.insert("fee_amount".to_string(), json!(fee_amount));
+    }
+    checkout
+}
+
+pub(crate) fn direct_gateway_channels(
+    provider: &str,
+    record: &aether_data_contracts::repository::billing::PaymentGatewayConfigRecord,
+) -> Vec<DirectGatewayChannelConfig> {
+    let channels_value =
+        crate::handlers::shared::payment_gateway_channels_json(&record.channels_json);
+    let channels = channels_value.as_array().into_iter().flatten();
+    channels
+        .filter_map(|channel| {
+            let channel_id = channel
+                .get("channel")
+                .or_else(|| channel.get("type"))
+                .and_then(Value::as_str)
+                .map(str::trim)
+                .filter(|value| !value.is_empty())?;
+            let display_name = channel
+                .get("display_name")
+                .and_then(Value::as_str)
+                .map(str::trim)
+                .filter(|value| !value.is_empty())
+                .unwrap_or(channel_id);
+            Some(DirectGatewayChannelConfig {
+                channel: channel_id.to_string(),
+                display_name: display_name.to_string(),
+                fee_rate: configured_channel_fee_rate(channel.get("fee_rate")),
+            })
+        })
+        .filter(|channel| match provider {
+            "alipay" => channel.channel == "alipay",
+            "wxpay" => matches!(channel.channel.as_str(), "native" | "h5" | "jsapi"),
+            "stripe" => matches!(
+                channel.channel.as_str(),
+                "card" | "alipay" | "wechat_pay" | "link"
+            ),
+            _ => false,
+        })
+        .collect()
+}
+
+fn resolve_direct_gateway_channel(
+    provider: &str,
+    record: &aether_data_contracts::repository::billing::PaymentGatewayConfigRecord,
+    requested: Option<&str>,
+) -> Result<DirectGatewayChannelConfig, String> {
+    let channels = direct_gateway_channels(provider, record);
+    if channels.is_empty() {
+        return Err("支付网关没有可用通道".to_string());
+    }
+    let Some(requested) = requested.map(str::trim).filter(|value| !value.is_empty()) else {
+        return Ok(channels[0].clone());
+    };
+    channels
+        .into_iter()
+        .find(|channel| channel.channel.eq_ignore_ascii_case(requested))
+        .ok_or_else(|| "支付通道不可用".to_string())
+}
+
+fn direct_gateway_public_config_string(
+    record: &aether_data_contracts::repository::billing::PaymentGatewayConfigRecord,
+    key: &str,
+) -> Option<String> {
+    crate::handlers::shared::payment_gateway_config_json(&record.channels_json)
+        .as_object()?
+        .get(key)
+        .and_then(Value::as_str)
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .map(ToOwned::to_owned)
+}
+
+fn decrypt_direct_gateway_secrets(
+    state: &AppState,
+    record: &aether_data_contracts::repository::billing::PaymentGatewayConfigRecord,
+) -> Result<serde_json::Map<String, Value>, String> {
+    let Some(encrypted) = record.merchant_key_encrypted.as_deref() else {
+        return Err("支付网关密钥未配置".to_string());
+    };
+    let Some(plaintext) = crate::handlers::shared::decrypt_catalog_secret_with_fallbacks(
+        state.encryption_key(),
+        encrypted,
+    ) else {
+        return Err("支付网关密钥解密失败".to_string());
+    };
+    serde_json::from_str::<Value>(&plaintext)
+        .ok()
+        .and_then(|value| value.as_object().cloned())
+        .ok_or_else(|| "支付网关密钥格式无效".to_string())
+}
+
+fn direct_gateway_secret_string(
+    secrets: &serde_json::Map<String, Value>,
+    key: &str,
+) -> Option<String> {
+    secrets
+        .get(key)
+        .and_then(Value::as_str)
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .map(ToOwned::to_owned)
+}
+
+fn stripe_minor_unit_amount(pay_amount: f64, pay_currency: &str) -> Result<i64, String> {
+    let currency = pay_currency.trim().to_ascii_lowercase();
+    let multiplier = match currency.as_str() {
+        "bif" | "clp" | "djf" | "gnf" | "jpy" | "kmf" | "krw" | "mga" | "pyg" | "rwf" | "ugx"
+        | "vnd" | "vuv" | "xaf" | "xof" | "xpf" => 1.0,
+        _ => 100.0,
+    };
+    let amount = (pay_amount * multiplier).round();
+    if !amount.is_finite() || amount <= 0.0 {
+        return Err("Stripe 支付金额无效".to_string());
+    }
+    Ok(amount as i64)
+}
+
+async fn create_stripe_wallet_recharge_checkout(
+    state: &AppState,
+    record: &aether_data_contracts::repository::billing::PaymentGatewayConfigRecord,
+    payment_channel: &str,
+    display_name: &str,
+    order_no: &str,
+    pay_amount: f64,
+    expires_at: chrono::DateTime<chrono::Utc>,
+) -> Result<Value, String> {
+    let secrets = decrypt_direct_gateway_secrets(state, record)?;
+    let Some(secret_key) = direct_gateway_secret_string(&secrets, "secret_key") else {
+        return Err("Stripe secret_key 未配置".to_string());
+    };
+    let Some(publishable_key) = direct_gateway_public_config_string(record, "publishable_key")
+    else {
+        return Err("Stripe publishable_key 未配置".to_string());
+    };
+    let amount = stripe_minor_unit_amount(pay_amount, &record.pay_currency)?;
+    let currency = record.pay_currency.trim().to_ascii_lowercase();
+    let mut form = vec![
+        ("amount".to_string(), amount.to_string()),
+        ("currency".to_string(), currency.clone()),
+        ("description".to_string(), "钱包充值".to_string()),
+        ("metadata[order_no]".to_string(), order_no.to_string()),
+        (
+            "metadata[payment_provider]".to_string(),
+            "stripe".to_string(),
+        ),
+        (
+            "metadata[payment_channel]".to_string(),
+            payment_channel.to_string(),
+        ),
+        (
+            "payment_method_types[]".to_string(),
+            payment_channel.to_string(),
+        ),
+    ];
+    if payment_channel == "wechat_pay" {
+        form.push((
+            "payment_method_options[wechat_pay][client]".to_string(),
+            "web".to_string(),
+        ));
+    }
+    let response = state
+        .client
+        .post("https://api.stripe.com/v1/payment_intents")
+        .basic_auth(secret_key, Some(""))
+        .form(&form)
+        .send()
+        .await
+        .map_err(|err| format!("Stripe PaymentIntent 创建失败: {err}"))?;
+    let status = response.status();
+    let body = response
+        .text()
+        .await
+        .map_err(|err| format!("Stripe 响应读取失败: {err}"))?;
+    let value =
+        serde_json::from_str::<Value>(&body).map_err(|_| "Stripe 响应格式无效".to_string())?;
+    if !status.is_success() {
+        let message = value
+            .get("error")
+            .and_then(|error| error.get("message"))
+            .and_then(Value::as_str)
+            .unwrap_or("Stripe PaymentIntent 创建失败");
+        return Err(message.to_string());
+    }
+    let Some(intent_id) = value.get("id").and_then(Value::as_str) else {
+        return Err("Stripe 响应缺少 PaymentIntent ID".to_string());
+    };
+    let Some(client_secret) = value.get("client_secret").and_then(Value::as_str) else {
+        return Err("Stripe 响应缺少 client_secret".to_string());
+    };
+    Ok(json!({
+        "gateway": "stripe",
+        "display_name": display_name,
+        "gateway_order_id": intent_id,
+        "intent_id": intent_id,
+        "client_secret": client_secret,
+        "publishable_key": publishable_key,
+        "expires_at": expires_at.to_rfc3339(),
+        "pay_amount": pay_amount,
+        "pay_currency": record.pay_currency,
+        "payment_channel": payment_channel,
+        "payment_method_types": [payment_channel],
+        "submit_method": "stripe_payment_intent"
+    }))
+}
+
 pub(super) async fn handle_wallet_create_recharge(
     state: &AppState,
     request_context: &GatewayPublicRequestContext,
@@ -341,7 +613,11 @@ pub(super) async fn handle_wallet_create_recharge(
                 return build_auth_error_response(http::StatusCode::BAD_REQUEST, detail, false);
             }
         };
-        let pay_amount = (payload.amount_usd * config.usd_exchange_rate * 100.0).round() / 100.0;
+        let (base_pay_amount, fee_amount, pay_amount) = wallet_recharge_payment_breakdown(
+            payload.amount_usd,
+            config.usd_exchange_rate,
+            payment_channel.fee_rate,
+        );
         let Some(callback_base_url) = epay_callback_base_url(
             config.callback_base_url.as_deref(),
             headers,
@@ -357,13 +633,19 @@ pub(super) async fn handle_wallet_create_recharge(
             &config,
             &EpayCheckoutInput {
                 order_no: order_no.clone(),
-                channel: payment_channel.clone(),
+                channel: payment_channel.channel.clone(),
                 subject: "钱包充值".to_string(),
                 pay_amount,
                 notify_url: format!("{callback_base_url}/api/payment/epay/notify"),
                 return_url: format!("{callback_base_url}/api/payment/epay/return"),
             },
         );
+        let checkout = add_wallet_recharge_fee_metadata(
+            checkout,
+            base_pay_amount,
+            payment_channel.fee_rate,
+            fee_amount,
+        );
         let outcome = match state
             .create_wallet_recharge_order(
                 aether_data::repository::wallet::CreateWalletRechargeOrderInput {
@@ -375,7 +657,7 @@ pub(super) async fn handle_wallet_create_recharge(
                     exchange_rate: Some(config.usd_exchange_rate),
                     payment_method: "epay".to_string(),
                     payment_provider: Some("epay".to_string()),
-                    payment_channel: Some(payment_channel),
+                    payment_channel: Some(payment_channel.channel),
                     gateway_order_id: order_no.clone(),
                     gateway_response: checkout.clone(),
                     order_no,
@@ -415,6 +697,169 @@ pub(super) async fn handle_wallet_create_recharge(
             None,
         );
     }
+    let requested_provider = payload
+        .payment_provider
+        .as_deref()
+        .unwrap_or(payload.payment_method.as_str());
+    if matches!(requested_provider, "alipay" | "wxpay" | "stripe") {
+        let record = match state.find_payment_gateway_config(requested_provider).await {
+            Ok(Some(value)) if value.enabled && value.merchant_key_encrypted.is_some() => value,
+            Ok(Some(_)) | Ok(None) => {
+                return build_auth_error_response(
+                    http::StatusCode::BAD_REQUEST,
+                    "支付网关未启用或密钥未配置",
+                    false,
+                )
+            }
+            Err(err) => {
+                return build_auth_error_response(
+                    http::StatusCode::INTERNAL_SERVER_ERROR,
+                    format!("payment gateway lookup failed: {err:?}"),
+                    false,
+                )
+            }
+        };
+        if payload.amount_usd < record.min_recharge_usd {
+            return build_auth_error_response(
+                http::StatusCode::BAD_REQUEST,
+                "充值金额低于支付网关最小金额",
+                false,
+            );
+        }
+        let payment_channel = match resolve_direct_gateway_channel(
+            requested_provider,
+            &record,
+            payload.payment_channel.as_deref(),
+        ) {
+            Ok(value) => value,
+            Err(detail) => {
+                return build_auth_error_response(http::StatusCode::BAD_REQUEST, detail, false)
+            }
+        };
+        let (base_pay_amount, fee_amount, pay_amount) = wallet_recharge_payment_breakdown(
+            payload.amount_usd,
+            record.usd_exchange_rate,
+            payment_channel.fee_rate,
+        );
+        let checkout = if requested_provider == "stripe" {
+            match create_stripe_wallet_recharge_checkout(
+                state,
+                &record,
+                &payment_channel.channel,
+                &payment_channel.display_name,
+                &order_no,
+                pay_amount,
+                expires_at,
+            )
+            .await
+            {
+                Ok(value) => value,
+                Err(detail) => {
+                    return build_auth_error_response(http::StatusCode::BAD_GATEWAY, detail, false)
+                }
+            }
+        } else {
+            let Some(callback_base_url) = epay_callback_base_url(
+                record.callback_base_url.as_deref(),
+                headers,
+                request_context,
+            ) else {
+                return build_auth_error_response(
+                    http::StatusCode::BAD_REQUEST,
+                    "支付网关 callback_base_url is required",
+                    false,
+                );
+            };
+            let direct_input = DirectPaymentCheckoutInput {
+                payment_channel: payment_channel.channel.clone(),
+                display_name: payment_channel.display_name.clone(),
+                order_no: order_no.clone(),
+                subject: "钱包充值".to_string(),
+                pay_amount,
+                pay_currency: record.pay_currency.clone(),
+                notify_url: format!("{callback_base_url}/api/payment/{requested_provider}/notify"),
+                return_url: Some(wallet_payment_return_url(
+                    &callback_base_url,
+                    requested_provider,
+                    &order_no,
+                )),
+                client_ip: direct_payment_client_ip(headers),
+                expires_at,
+            };
+            let result = match requested_provider {
+                "alipay" => create_alipay_direct_checkout(state, &direct_input).await,
+                "wxpay" => create_wxpay_direct_checkout(state, &direct_input).await,
+                _ => Err("支付网关不支持".to_string()),
+            };
+            match result {
+                Ok(value) => value,
+                Err(detail) => {
+                    return build_auth_error_response(http::StatusCode::BAD_GATEWAY, detail, false)
+                }
+            }
+        };
+        let checkout = add_wallet_recharge_fee_metadata(
+            checkout,
+            base_pay_amount,
+            payment_channel.fee_rate,
+            fee_amount,
+        );
+        let gateway_order_id = checkout
+            .get("gateway_order_id")
+            .and_then(Value::as_str)
+            .unwrap_or(&order_no)
+            .to_string();
+        let outcome = match state
+            .create_wallet_recharge_order(
+                aether_data::repository::wallet::CreateWalletRechargeOrderInput {
+                    preferred_wallet_id: wallet.as_ref().map(|value| value.id.clone()),
+                    user_id: auth.user.id.clone(),
+                    amount_usd: payload.amount_usd,
+                    pay_amount: Some(pay_amount),
+                    pay_currency: Some(record.pay_currency.clone()),
+                    exchange_rate: Some(record.usd_exchange_rate),
+                    payment_method: requested_provider.to_string(),
+                    payment_provider: Some(requested_provider.to_string()),
+                    payment_channel: Some(payment_channel.channel),
+                    gateway_order_id,
+                    gateway_response: checkout.clone(),
+                    order_no,
+                    expires_at_unix_secs: expires_at.timestamp().max(0) as u64,
+                },
+            )
+            .await
+        {
+            Ok(Some(value)) => value,
+            Ok(None) => return build_wallet_recharge_storage_unavailable_response(),
+            Err(err) => {
+                return build_auth_error_response(
+                    http::StatusCode::INTERNAL_SERVER_ERROR,
+                    format!("wallet recharge create failed: {err:?}"),
+                    false,
+                )
+            }
+        };
+        let order_payload = match outcome {
+            aether_data::repository::wallet::CreateWalletRechargeOrderOutcome::Created(order) => {
+                wallet_payment_order_payload_from_record(&order)
+            }
+            aether_data::repository::wallet::CreateWalletRechargeOrderOutcome::WalletInactive => {
+                return build_auth_error_response(
+                    http::StatusCode::BAD_REQUEST,
+                    "wallet is not active",
+                    false,
+                )
+            }
+        };
+        return build_auth_json_response(
+            http::StatusCode::OK,
+            json!({
+                "order": order_payload,
+                "payment_instructions": sanitize_wallet_gateway_response(Some(checkout)),
+            }),
+            None,
+        );
+    }
     build_auth_error_response(
         http::StatusCode::BAD_REQUEST,
         format!("unsupported payment_method: {}", payload.payment_method),
@@ -433,14 +878,43 @@ pub(super) async fn handle_wallet_recharge_options(
     let mut methods = Vec::new();
     if let Ok(config) = load_epay_config(state).await {
         for channel in configured_epay_channels(&config) {
+            let payment_channel = channel.channel.clone();
+            let display_name = channel.display_name.clone();
+            let fee_rate = channel.fee_rate;
             methods.push(json!({
                 "payment_method": "epay",
                 "payment_provider": "epay",
-                "payment_channel": channel.channel,
-                "display_name": channel.display_name,
+                "payment_channel": payment_channel,
+                "display_name": display_name,
                 "pay_currency": config.pay_currency,
                 "usd_exchange_rate": config.usd_exchange_rate,
                 "min_recharge_usd": config.min_recharge_usd,
+                "fee_rate": fee_rate,
+            }));
+        }
+    }
+    for provider in ["alipay", "wxpay", "stripe"] {
+        let Ok(Some(record)) = state.find_payment_gateway_config(provider).await else {
+            continue;
+        };
+        if !record.enabled || record.merchant_key_encrypted.is_none() {
+            continue;
+        }
+        for DirectGatewayChannelConfig {
+            channel: payment_channel,
+            display_name,
+            fee_rate,
+        } in direct_gateway_channels(provider, &record)
+        {
+            methods.push(json!({
+                "payment_method": provider,
+                "payment_provider": provider,
+                "payment_channel": payment_channel,
+                "display_name": display_name,
+                "pay_currency": record.pay_currency,
+                "usd_exchange_rate": record.usd_exchange_rate,
+                "min_recharge_usd": record.min_recharge_usd,
+                "fee_rate": fee_rate,
             }));
         }
     }

apps/aether-gateway/src/handlers/public/support/wallet/refunds.rs

@@ -14,6 +14,12 @@ use serde::Deserialize;
 use serde_json::json;
 use uuid::Uuid;
 
+use crate::handlers::shared::{
+    payment_gateway_allow_user_refund, payment_gateway_provider_for_payment_method,
+};
+
+const WALLET_REFUND_CONFIGURED_PROVIDERS: &[&str] = &["epay", "alipay", "wxpay", "stripe"];
+
 #[derive(Debug, Deserialize)]
 struct WalletCreateRefundRequest {
     amount_usd: f64,
@@ -92,6 +98,41 @@ pub(super) fn wallet_refund_detail_path_matches(request_path: &str) -> bool {
     wallet_refund_id_from_path(request_path).is_some()
 }
 
+pub(super) async fn handle_wallet_refund_eligible_providers(
+    state: &AppState,
+    request_context: &GatewayPublicRequestContext,
+    headers: &http::HeaderMap,
+) -> Response<Body> {
+    if let Err(response) = resolve_authenticated_local_user(state, request_context, headers).await {
+        return response;
+    }
+
+    let mut payment_methods = Vec::new();
+    for provider in WALLET_REFUND_CONFIGURED_PROVIDERS {
+        match state.find_payment_gateway_config(provider).await {
+            Ok(Some(record)) if payment_gateway_allow_user_refund(&record.channels_json) => {
+                payment_methods.push((*provider).to_string());
+            }
+            Ok(_) => {}
+            Err(err) => {
+                return build_auth_error_response(
+                    http::StatusCode::INTERNAL_SERVER_ERROR,
+                    format!("payment gateway lookup failed: {err:?}"),
+                    false,
+                )
+            }
+        }
+    }
+
+    build_auth_json_response(
+        http::StatusCode::OK,
+        json!({
+            "payment_methods": payment_methods,
+        }),
+        None,
+    )
+}
+
 fn wallet_refund_payload_from_record(
     record: &aether_data::repository::wallet::StoredAdminWalletRefund,
 ) -> serde_json::Value {
@@ -348,6 +389,56 @@ pub(super) async fn handle_wallet_create_refund(
         );
     };
 
+    if let Some(payment_order_id) = payload.payment_order_id.as_deref() {
+        let order = match state
+            .find_wallet_payment_order_by_user_id(&auth.user.id, payment_order_id)
+            .await
+        {
+            Ok(Some(value)) => value,
+            Ok(None) => {
+                return build_auth_error_response(
+                    http::StatusCode::NOT_FOUND,
+                    "Payment order not found",
+                    false,
+                )
+            }
+            Err(err) => {
+                return build_auth_error_response(
+                    http::StatusCode::INTERNAL_SERVER_ERROR,
+                    format!("payment order lookup failed: {err:?}"),
+                    false,
+                )
+            }
+        };
+
+        let Some(provider) = payment_gateway_provider_for_payment_method(&order.payment_method)
+        else {
+            return build_auth_error_response(
+                http::StatusCode::FORBIDDEN,
+                "该支付方式未开放用户自助退款",
+                false,
+            );
+        };
+        let allow_user_refund = match state.find_payment_gateway_config(provider).await {
+            Ok(Some(record)) => payment_gateway_allow_user_refund(&record.channels_json),
+            Ok(None) => false,
+            Err(err) => {
+                return build_auth_error_response(
+                    http::StatusCode::INTERNAL_SERVER_ERROR,
+                    format!("payment gateway lookup failed: {err:?}"),
+                    false,
+                )
+            }
+        };
+        if !allow_user_refund {
+            return build_auth_error_response(
+                http::StatusCode::FORBIDDEN,
+                "该支付方式未开放用户自助退款",
+                false,
+            );
+        }
+    }
+
     if !state.has_database_wallet_data_writer() {
         #[cfg(test)]
         {

apps/aether-gateway/src/handlers/shared/mod.rs

@@ -5,6 +5,8 @@ mod email_templates;
 mod external_models;
 mod normalize;
 mod payloads;
+mod payment_direct;
+mod payment_gateway_config;
 pub(crate) mod provider_pool;
 mod request_utils;
 mod system_config_values;
@@ -41,6 +43,18 @@ pub(crate) use self::payloads::{
     InternalGatewayAuthContextRequest, InternalGatewayExecuteRequest,
     InternalGatewayResolveRequest, InternalTunnelHeartbeatRequest, InternalTunnelNodeStatusRequest,
 };
+pub(crate) use self::payment_direct::{
+    close_direct_gateway_order, create_alipay_direct_checkout, create_stripe_direct_checkout,
+    create_wxpay_direct_checkout, direct_payment_client_ip, refund_direct_gateway_order,
+    verify_alipay_notify_callback, verify_wxpay_notify_callback, DirectGatewayRefundResult,
+    DirectPaymentCheckoutInput,
+};
+pub(crate) use self::payment_gateway_config::{
+    payment_gateway_allow_user_refund, payment_gateway_channels_config_json,
+    payment_gateway_channels_json, payment_gateway_config_json,
+    payment_gateway_provider_for_payment_method, payment_gateway_refund_enabled,
+    payment_gateway_secret_keys_json,
+};
 pub(crate) use self::request_utils::{
     admin_proxy_local_requires_buffered_body, internal_proxy_local_requires_buffered_body,
     json_string_list, local_proxy_route_requires_buffered_body,

apps/aether-gateway/src/handlers/shared/payment_gateway_config.rs

@@ -0,0 +1,85 @@
+use serde_json::{json, Value};
+
+const REFUND_ENABLED_KEY: &str = "refund_enabled";
+const ALLOW_USER_REFUND_KEY: &str = "allow_user_refund";
+
+fn json_bool(value: Option<&Value>) -> bool {
+    match value {
+        Some(Value::Bool(value)) => *value,
+        Some(Value::Number(value)) => value.as_u64().is_some_and(|value| value != 0),
+        Some(Value::String(value)) => matches!(
+            value.trim().to_ascii_lowercase().as_str(),
+            "1" | "true" | "yes" | "on"
+        ),
+        _ => false,
+    }
+}
+
+pub(crate) fn payment_gateway_channels_json(value: &Value) -> Value {
+    value
+        .as_object()
+        .and_then(|object| object.get("channels"))
+        .cloned()
+        .unwrap_or_else(|| value.clone())
+}
+
+pub(crate) fn payment_gateway_config_json(value: &Value) -> Value {
+    value
+        .as_object()
+        .and_then(|object| object.get("config"))
+        .cloned()
+        .unwrap_or_else(|| json!({}))
+}
+
+pub(crate) fn payment_gateway_secret_keys_json(value: &Value) -> Value {
+    value
+        .as_object()
+        .and_then(|object| object.get("secret_keys"))
+        .cloned()
+        .unwrap_or_else(|| json!([]))
+}
+
+pub(crate) fn payment_gateway_refund_enabled(value: &Value) -> bool {
+    json_bool(
+        value
+            .as_object()
+            .and_then(|object| object.get(REFUND_ENABLED_KEY)),
+    )
+}
+
+pub(crate) fn payment_gateway_allow_user_refund(value: &Value) -> bool {
+    payment_gateway_refund_enabled(value)
+        && json_bool(
+            value
+                .as_object()
+                .and_then(|object| object.get(ALLOW_USER_REFUND_KEY)),
+        )
+}
+
+pub(crate) fn payment_gateway_channels_config_json(
+    channels: Value,
+    config: Value,
+    secret_keys: Value,
+    refund_enabled: bool,
+    allow_user_refund: bool,
+) -> Value {
+    json!({
+        "channels": channels,
+        "config": config,
+        "secret_keys": secret_keys,
+        "refund_enabled": refund_enabled,
+        "allow_user_refund": refund_enabled && allow_user_refund,
+    })
+}
+
+pub(crate) fn payment_gateway_provider_for_payment_method(
+    payment_method: &str,
+) -> Option<&'static str> {
+    match payment_method.trim().to_ascii_lowercase().as_str() {
+        "epay" => Some("epay"),
+        "alipay" => Some("alipay"),
+        "wxpay" => Some("wxpay"),
+        "stripe" => Some("stripe"),
+        _ => None,
+    }
+}

apps/aether-gateway/src/handlers/shared/request_utils.rs

@@ -313,7 +313,11 @@ pub(crate) fn admin_proxy_local_requires_buffered_body(
                 | (Some("billing_manage"), http::Method::POST, Some("create_plan"))
                 | (Some("billing_manage"), http::Method::PUT, Some("update_plan"))
                 | (Some("billing_manage"), http::Method::PATCH, Some("set_plan_status"))
-                | (Some("payments_manage"), http::Method::PUT, Some("update_epay_gateway"))
+                | (
+                    Some("payments_manage"),
+                    http::Method::PUT,
+                    Some("update_epay_gateway" | "update_payment_gateway"),
+                )
                 | (Some("payments_manage"), http::Method::POST, Some("credit_order"))
                 | (Some("payments_manage"), http::Method::POST, Some("create_redeem_code_batch"))
                 | (Some("payments_manage"), http::Method::POST, Some("delete_redeem_code_batch"))
@@ -483,7 +487,14 @@ pub(crate) fn public_support_local_requires_buffered_body(
                     | (
                         Some("payment_callback"),
                         http::Method::POST,
-                        Some("callback" | "epay_notify" | "epay_return"),
+                        Some(
+                            "callback"
+                                | "epay_notify"
+                                | "epay_return"
+                                | "alipay_notify"
+                                | "wxpay_notify"
+                                | "stripe_webhook",
+                        ),
                     )
             )
         })

apps/aether-gateway/src/state/runtime/wallet/reads.rs

@@ -144,9 +144,51 @@ impl AppState {
         refund_id: &str,
     ) -> Result<Option<aether_data::repository::wallet::StoredAdminWalletRefund>, GatewayError>
     {
+        #[cfg(test)]
+        if let Some(store) = self.admin_wallet_refund_store.as_ref() {
+            return Ok(store
+                .lock()
+                .expect("admin wallet refund store should lock")
+                .get(refund_id)
+                .filter(|refund| refund.wallet_id == wallet_id)
+                .cloned()
+                .map(test_admin_wallet_refund_to_stored));
+        }
+
         self.data
             .find_wallet_refund(wallet_id, refund_id)
             .await
             .map_err(|err| GatewayError::Internal(err.to_string()))
     }
 }
+
+#[cfg(test)]
+fn test_admin_wallet_refund_to_stored(
+    refund: crate::AdminWalletRefundRecord,
+) -> aether_data::repository::wallet::StoredAdminWalletRefund {
+    aether_data::repository::wallet::StoredAdminWalletRefund {
+        id: refund.id,
+        refund_no: refund.refund_no,
+        wallet_id: refund.wallet_id,
+        user_id: refund.user_id,
+        payment_order_id: refund.payment_order_id,
+        source_type: refund.source_type,
+        source_id: refund.source_id,
+        refund_mode: refund.refund_mode,
+        amount_usd: refund.amount_usd,
+        status: refund.status,
+        reason: refund.reason,
+        failure_reason: refund.failure_reason,
+        gateway_refund_id: refund.gateway_refund_id,
+        payout_method: refund.payout_method,
+        payout_reference: refund.payout_reference,
+        payout_proof: refund.payout_proof,
+        requested_by: refund.requested_by,
+        approved_by: refund.approved_by,
+        processed_by: refund.processed_by,
+        created_at_unix_ms: refund.created_at_unix_ms,
+        updated_at_unix_secs: refund.updated_at_unix_secs,
+        processed_at_unix_secs: refund.processed_at_unix_secs,
+        completed_at_unix_secs: refund.completed_at_unix_secs,
+    }
+}