重构初始化

app/service/merchant/portal/MerchantPortalBalanceService.php

@@ -0,0 +1,50 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+use app\service\account\funds\MerchantAccountService;
+use app\service\account\ledger\MerchantAccountLedgerService;
+
+/**
+ * 商户门户余额服务。
+ */
+class MerchantPortalBalanceService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalSupportService $supportService,
+        protected MerchantAccountService $merchantAccountService,
+        protected MerchantAccountLedgerService $merchantAccountLedgerService
+    ) {
+    }
+
+    public function withdrawableBalance(int $merchantId): array
+    {
+        $merchant = $this->supportService->merchantSummary($merchantId);
+        $snapshot = $this->merchantAccountService->getBalanceSnapshot($merchantId);
+
+        $snapshot['available_balance_text'] = $this->supportService->formatAmount((int) ($snapshot['available_balance'] ?? 0));
+        $snapshot['frozen_balance_text'] = $this->supportService->formatAmount((int) ($snapshot['frozen_balance'] ?? 0));
+        $snapshot['withdrawable_balance_text'] = $snapshot['available_balance_text'];
+
+        return [
+            'merchant' => $merchant,
+            'snapshot' => $snapshot,
+        ];
+    }
+
+    public function balanceFlows(array $filters, int $merchantId, int $page, int $pageSize): array
+    {
+        $filters['merchant_id'] = $merchantId;
+        $paginator = $this->merchantAccountLedgerService->paginate($filters, $page, $pageSize);
+
+        return [
+            'merchant' => $this->supportService->merchantSummary($merchantId),
+            'snapshot' => $this->withdrawableBalance($merchantId)['snapshot'],
+            'list' => $paginator->items(),
+            'total' => $paginator->total(),
+            'page' => $paginator->currentPage(),
+            'size' => $paginator->perPage(),
+        ];
+    }
+}

app/service/merchant/portal/MerchantPortalChannelQueryService.php

@@ -0,0 +1,113 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+use app\common\constant\CommonConstant;
+use app\common\constant\RouteConstant;
+use app\repository\payment\config\PaymentChannelRepository;
+
+/**
+ * 商户门户通道查询服务。
+ *
+ * 负责商户通道列表查询和通道行格式化。
+ */
+class MerchantPortalChannelQueryService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalSupportService $supportService,
+        protected PaymentChannelRepository $paymentChannelRepository
+    ) {
+    }
+
+    /**
+     * 查询当前商户的通道列表。
+     */
+    public function myChannels(array $filters, int $merchantId, int $page, int $pageSize): array
+    {
+        $query = $this->paymentChannelRepository->query()
+            ->from('ma_payment_channel as c')
+            ->leftJoin('ma_payment_type as t', 'c.pay_type_id', '=', 't.id')
+            ->select([
+                'c.id',
+                'c.merchant_id',
+                'c.name',
+                'c.split_rate_bp',
+                'c.cost_rate_bp',
+                'c.channel_mode',
+                'c.pay_type_id',
+                'c.plugin_code',
+                'c.api_config_id',
+                'c.daily_limit_amount',
+                'c.daily_limit_count',
+                'c.min_amount',
+                'c.max_amount',
+                'c.remark',
+                'c.status',
+                'c.sort_no',
+                'c.created_at',
+                'c.updated_at',
+            ])
+            ->selectRaw("COALESCE(t.code, '') AS pay_type_code")
+            ->selectRaw("COALESCE(t.name, '') AS pay_type_name")
+            ->where('c.merchant_id', $merchantId);
+
+        $keyword = trim((string) ($filters['keyword'] ?? ''));
+        if ($keyword !== '') {
+            $query->where(function ($builder) use ($keyword) {
+                $builder->where('c.name', 'like', '%' . $keyword . '%')
+                    ->orWhere('c.plugin_code', 'like', '%' . $keyword . '%')
+                    ->orWhere('t.name', 'like', '%' . $keyword . '%');
+            });
+        }
+
+        $payTypeId = trim((string) ($filters['pay_type_id'] ?? ''));
+        if ($payTypeId !== '') {
+            $query->where('c.pay_type_id', (int) $payTypeId);
+        }
+
+        $status = trim((string) ($filters['status'] ?? ''));
+        if ($status !== '') {
+            $query->where('c.status', (int) $status);
+        }
+
+        $channelMode = trim((string) ($filters['channel_mode'] ?? ''));
+        if ($channelMode !== '') {
+            $query->where('c.channel_mode', (int) $channelMode);
+        }
+
+        $paginator = $query
+            ->orderBy('c.sort_no')
+            ->orderByDesc('c.id')
+            ->paginate(max(1, $pageSize), ['*'], 'page', max(1, $page));
+
+        $paginator->getCollection()->transform(function ($row) {
+            return $this->decorateChannelRow($row);
+        });
+
+        return [
+            'merchant' => $this->supportService->merchantSummary($merchantId),
+            'pay_types' => $this->supportService->enabledPayTypeOptions(),
+            'list' => $paginator->items(),
+            'total' => $paginator->total(),
+            'page' => $paginator->currentPage(),
+            'size' => $paginator->perPage(),
+        ];
+    }
+
+    private function decorateChannelRow(object $row): object
+    {
+        $row->channel_mode_text = (string) (RouteConstant::channelModeMap()[(int) $row->channel_mode] ?? '未知');
+        $row->status_text = (string) (CommonConstant::statusMap()[(int) $row->status] ?? '未知');
+        $row->split_rate_text = $this->supportService->formatRate((int) $row->split_rate_bp);
+        $row->cost_rate_text = $this->supportService->formatRate((int) $row->cost_rate_bp);
+        $row->daily_limit_amount_text = $this->supportService->formatAmountOrUnlimited((int) $row->daily_limit_amount);
+        $row->daily_limit_count_text = $this->supportService->formatCountOrUnlimited((int) $row->daily_limit_count);
+        $row->min_amount_text = $this->supportService->formatAmountOrUnlimited((int) $row->min_amount);
+        $row->max_amount_text = $this->supportService->formatAmountOrUnlimited((int) $row->max_amount);
+        $row->created_at_text = $this->supportService->formatDateTime($row->created_at ?? null);
+        $row->updated_at_text = $this->supportService->formatDateTime($row->updated_at ?? null);
+
+        return $row;
+    }
+}

app/service/merchant/portal/MerchantPortalChannelService.php

@@ -0,0 +1,29 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+
+/**
+ * 商户门户通道门面服务。
+ *
+ * 对外保留原有调用契约，内部委托给通道查询和路由预览子服务。
+ */
+class MerchantPortalChannelService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalChannelQueryService $queryService,
+        protected MerchantPortalRoutePreviewService $routePreviewService
+    ) {
+    }
+
+    public function myChannels(array $filters, int $merchantId, int $page, int $pageSize): array
+    {
+        return $this->queryService->myChannels($filters, $merchantId, $page, $pageSize);
+    }
+
+    public function routePreview(int $merchantId, int $payTypeId, int $payAmount, string $statDate = ''): array
+    {
+        return $this->routePreviewService->routePreview($merchantId, $payTypeId, $payAmount, $statDate);
+    }
+}

app/service/merchant/portal/MerchantPortalCredentialCommandService.php

@@ -0,0 +1,53 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+use app\repository\merchant\credential\MerchantApiCredentialRepository;
+use app\service\merchant\security\MerchantApiCredentialService;
+
+/**
+ * 商户门户接口凭证命令服务。
+ */
+class MerchantPortalCredentialCommandService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalSupportService $supportService,
+        protected MerchantApiCredentialRepository $merchantApiCredentialRepository,
+        protected MerchantApiCredentialService $merchantApiCredentialService
+    ) {
+    }
+
+    public function issueCredential(int $merchantId): array
+    {
+        $merchant = $this->supportService->merchantSummary($merchantId);
+        $credentialValue = $this->merchantApiCredentialService->issueCredential($merchantId);
+        $credential = $this->merchantApiCredentialRepository->findByMerchantId($merchantId);
+
+        return [
+            'merchant' => $merchant,
+            'credential_value' => $credentialValue,
+            'credential' => $credential ? $this->formatCredential($credential, $merchant) : null,
+        ];
+    }
+
+    private function formatCredential(\app\model\merchant\MerchantApiCredential $credential, array $merchant): array
+    {
+        $signType = (int) $credential->sign_type;
+
+        return [
+            'id' => (int) $credential->id,
+            'merchant_id' => (int) $credential->merchant_id,
+            'merchant_no' => (string) ($merchant['merchant_no'] ?? ''),
+            'merchant_name' => (string) ($merchant['merchant_name'] ?? ''),
+            'sign_type' => $signType,
+            'sign_type_text' => $this->supportService->signTypeText($signType),
+            'api_key_preview' => $this->supportService->maskCredentialValue((string) $credential->api_key),
+            'status' => (int) $credential->status,
+            'status_text' => (string) ($credential->status ? '启用' : '禁用'),
+            'last_used_at' => $this->supportService->formatDateTime($credential->last_used_at ?? null),
+            'created_at' => $this->supportService->formatDateTime($credential->created_at ?? null),
+            'updated_at' => $this->supportService->formatDateTime($credential->updated_at ?? null),
+        ];
+    }
+}

app/service/merchant/portal/MerchantPortalCredentialQueryService.php

@@ -0,0 +1,53 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+use app\common\constant\CommonConstant;
+use app\model\merchant\MerchantApiCredential;
+use app\repository\merchant\credential\MerchantApiCredentialRepository;
+
+/**
+ * 商户门户接口凭证查询服务。
+ */
+class MerchantPortalCredentialQueryService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalSupportService $supportService,
+        protected MerchantApiCredentialRepository $merchantApiCredentialRepository
+    ) {
+    }
+
+    public function apiCredential(int $merchantId): array
+    {
+        $merchant = $this->supportService->merchantSummary($merchantId);
+        $credential = $this->merchantApiCredentialRepository->findByMerchantId($merchantId);
+
+        return [
+            'merchant' => $merchant,
+            'has_credential' => $credential !== null,
+            'credential' => $credential ? $this->formatCredential($credential, $merchant) : null,
+        ];
+    }
+
+    private function formatCredential(MerchantApiCredential $credential, array $merchant): array
+    {
+        $signType = (int) $credential->sign_type;
+        $status = (int) $credential->status;
+
+        return [
+            'id' => (int) $credential->id,
+            'merchant_id' => (int) $credential->merchant_id,
+            'merchant_no' => (string) ($merchant['merchant_no'] ?? ''),
+            'merchant_name' => (string) ($merchant['merchant_name'] ?? ''),
+            'sign_type' => $signType,
+            'sign_type_text' => $this->supportService->signTypeText($signType),
+            'api_key_preview' => $this->supportService->maskCredentialValue((string) $credential->api_key),
+            'status' => $status,
+            'status_text' => (string) (CommonConstant::statusMap()[$status] ?? '未知'),
+            'last_used_at' => $this->supportService->formatDateTime($credential->last_used_at ?? null),
+            'created_at' => $this->supportService->formatDateTime($credential->created_at ?? null),
+            'updated_at' => $this->supportService->formatDateTime($credential->updated_at ?? null),
+        ];
+    }
+}

app/service/merchant/portal/MerchantPortalCredentialService.php

@@ -0,0 +1,27 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+
+/**
+ * 商户门户接口凭证门面服务。
+ */
+class MerchantPortalCredentialService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalCredentialQueryService $queryService,
+        protected MerchantPortalCredentialCommandService $commandService
+    ) {
+    }
+
+    public function apiCredential(int $merchantId): array
+    {
+        return $this->queryService->apiCredential($merchantId);
+    }
+
+    public function issueCredential(int $merchantId): array
+    {
+        return $this->commandService->issueCredential($merchantId);
+    }
+}

app/service/merchant/portal/MerchantPortalFinanceService.php

@@ -0,0 +1,39 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+
+/**
+ * 商户门户资金与清算门面服务。
+ *
+ * 对外保留原有调用契约，内部委托给清算与余额子服务。
+ */
+class MerchantPortalFinanceService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalSettlementService $settlementService,
+        protected MerchantPortalBalanceService $balanceService
+    ) {
+    }
+
+    public function settlementRecords(array $filters, int $merchantId, int $page, int $pageSize): array
+    {
+        return $this->settlementService->settlementRecords($filters, $merchantId, $page, $pageSize);
+    }
+
+    public function settlementRecordDetail(string $settleNo, int $merchantId): ?array
+    {
+        return $this->settlementService->settlementRecordDetail($settleNo, $merchantId);
+    }
+
+    public function withdrawableBalance(int $merchantId): array
+    {
+        return $this->balanceService->withdrawableBalance($merchantId);
+    }
+
+    public function balanceFlows(array $filters, int $merchantId, int $page, int $pageSize): array
+    {
+        return $this->balanceService->balanceFlows($filters, $merchantId, $page, $pageSize);
+    }
+}

app/service/merchant/portal/MerchantPortalProfileCommandService.php

@@ -0,0 +1,69 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+use app\exception\ResourceNotFoundException;
+use app\exception\ValidationException;
+use app\repository\merchant\base\MerchantRepository;
+
+/**
+ * 商户门户资料命令服务。
+ */
+class MerchantPortalProfileCommandService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalSupportService $supportService,
+        protected MerchantRepository $merchantRepository
+    ) {
+    }
+
+    public function updateProfile(int $merchantId, array $data): array
+    {
+        $merchant = $this->merchantRepository->find($merchantId);
+        if (!$merchant) {
+            throw new ResourceNotFoundException('商户不存在', ['merchant_id' => $merchantId]);
+        }
+
+        $this->merchantRepository->updateById($merchantId, [
+            'merchant_short_name' => trim((string) ($data['merchant_short_name'] ?? $merchant->merchant_short_name)),
+            'contact_name' => trim((string) ($data['contact_name'] ?? $merchant->contact_name)),
+            'contact_phone' => trim((string) ($data['contact_phone'] ?? $merchant->contact_phone)),
+            'contact_email' => trim((string) ($data['contact_email'] ?? $merchant->contact_email)),
+            'settlement_account_name' => trim((string) ($data['settlement_account_name'] ?? $merchant->settlement_account_name)),
+            'settlement_account_no' => trim((string) ($data['settlement_account_no'] ?? $merchant->settlement_account_no)),
+            'settlement_bank_name' => trim((string) ($data['settlement_bank_name'] ?? $merchant->settlement_bank_name)),
+            'settlement_bank_branch' => trim((string) ($data['settlement_bank_branch'] ?? $merchant->settlement_bank_branch)),
+        ]); 
+
+        return [
+            'merchant' => $this->supportService->merchantSummary($merchantId),
+            'pay_types' => $this->supportService->enabledPayTypeOptions(),
+        ];
+    }
+
+    public function changePassword(int $merchantId, array $data): array
+    {
+        $merchant = $this->merchantRepository->find($merchantId);
+        if (!$merchant) {
+            throw new ResourceNotFoundException('商户不存在', ['merchant_id' => $merchantId]);
+        }
+
+        $currentPassword = trim((string) ($data['current_password'] ?? ''));
+        $newPassword = trim((string) ($data['password'] ?? ''));
+
+        if (!password_verify($currentPassword, (string) $merchant->password_hash)) {
+            throw new ValidationException('当前密码不正确');
+        }
+
+        $this->merchantRepository->updateById($merchantId, [
+            'password_hash' => password_hash($newPassword, PASSWORD_DEFAULT),
+            'password_updated_at' => $this->now(),
+        ]);
+
+        return [
+            'updated' => true,
+            'password_updated_at' => $this->supportService->formatDateTime($this->now()),
+        ];
+    }
+}

app/service/merchant/portal/MerchantPortalProfileQueryService.php

@@ -0,0 +1,24 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+
+/**
+ * 商户门户资料查询服务。
+ */
+class MerchantPortalProfileQueryService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalSupportService $supportService
+    ) {
+    }
+
+    public function profile(int $merchantId): array
+    {
+        return [
+            'merchant' => $this->supportService->merchantSummary($merchantId),
+            'pay_types' => $this->supportService->enabledPayTypeOptions(),
+        ];
+    }
+}

app/service/merchant/portal/MerchantPortalProfileService.php

@@ -0,0 +1,32 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+
+/**
+ * 商户门户资料门面服务。
+ */
+class MerchantPortalProfileService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalProfileQueryService $queryService,
+        protected MerchantPortalProfileCommandService $commandService
+    ) {
+    }
+
+    public function profile(int $merchantId): array
+    {
+        return $this->queryService->profile($merchantId);
+    }
+
+    public function updateProfile(int $merchantId, array $data): array
+    {
+        return $this->commandService->updateProfile($merchantId, $data);
+    }
+
+    public function changePassword(int $merchantId, array $data): array
+    {
+        return $this->commandService->changePassword($merchantId, $data);
+    }
+}

app/service/merchant/portal/MerchantPortalRoutePreviewService.php

@@ -0,0 +1,178 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+use app\common\constant\CommonConstant;
+use app\common\constant\RouteConstant;
+use app\common\util\FormatHelper;
+use app\service\payment\runtime\PaymentRouteService;
+use Throwable;
+
+/**
+ * 商户门户路由预览服务。
+ */
+class MerchantPortalRoutePreviewService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalSupportService $supportService,
+        protected PaymentRouteService $paymentRouteService
+    ) {
+    }
+
+    /**
+     * 预览当前商户的路由选择结果。
+     */
+    public function routePreview(int $merchantId, int $payTypeId, int $payAmount, string $statDate = ''): array
+    {
+        $merchant = $this->supportService->merchantSummary($merchantId);
+        $statDate = trim($statDate) !== '' ? trim($statDate) : FormatHelper::timestamp(time(), 'Y-m-d');
+
+        $response = [
+            'merchant' => $merchant,
+            'pay_types' => $this->supportService->enabledPayTypeOptions(),
+            'pay_type_id' => $payTypeId,
+            'pay_amount' => $payAmount,
+            'pay_amount_text' => $this->supportService->formatAmount($payAmount),
+            'stat_date' => $statDate,
+            'available' => false,
+            'reason' => '请选择支付方式和金额后预览路由',
+            'merchant_group_id' => (int) ($merchant['merchant_group_id'] ?? 0),
+            'merchant_group_name' => (string) ($merchant['merchant_group_name'] ?? ''),
+            'bind' => null,
+            'poll_group' => null,
+            'selected_channel' => null,
+            'candidates' => [],
+        ];
+
+        if ($payTypeId <= 0 || $payAmount <= 0) {
+            return $response;
+        }
+
+        if ((int) $merchant['merchant_group_id'] <= 0) {
+            $response['reason'] = '当前商户未配置商户分组，无法预览路由';
+            return $response;
+        }
+
+        try {
+            $resolved = $this->paymentRouteService->resolveByMerchantGroup(
+                (int) $merchant['merchant_group_id'],
+                $payTypeId,
+                $payAmount,
+                ['stat_date' => $statDate]
+            );
+
+            $response['available'] = true;
+            $response['reason'] = '路由预览成功';
+            $response['bind'] = $this->normalizeBind($resolved['bind'] ?? null);
+            $response['poll_group'] = $this->normalizePollGroup($resolved['poll_group'] ?? null);
+            $response['selected_channel'] = $this->normalizePreviewCandidate($resolved['selected_channel'] ?? null);
+
+            $response['candidates'] = array_values(array_map(
+                fn (array $item) => $this->normalizePreviewCandidate($item),
+                (array) ($resolved['candidates'] ?? [])
+            ));
+        } catch (Throwable $e) {
+            $response['reason'] = $e->getMessage() !== '' ? $e->getMessage() : '路由预览失败';
+        }
+
+        return $response;
+    }
+
+    private function normalizeBind(mixed $bind): ?array
+    {
+        $data = $this->supportService->normalizeModel($bind);
+        if ($data === null) {
+            return null;
+        }
+
+        $status = (int) ($data['status'] ?? 0);
+
+        return [
+            'merchant_group_id' => (int) ($data['merchant_group_id'] ?? 0),
+            'pay_type_id' => (int) ($data['pay_type_id'] ?? 0),
+            'poll_group_id' => (int) ($data['poll_group_id'] ?? 0),
+            'status' => $status,
+            'status_text' => (string) (CommonConstant::statusMap()[$status] ?? '未知'),
+            'remark' => (string) ($data['remark'] ?? ''),
+            'created_at' => $this->supportService->formatDateTime($data['created_at'] ?? null),
+            'updated_at' => $this->supportService->formatDateTime($data['updated_at'] ?? null),
+        ];
+    }
+
+    private function normalizePollGroup(mixed $pollGroup): ?array
+    {
+        $data = $this->supportService->normalizeModel($pollGroup);
+        if ($data === null) {
+            return null;
+        }
+
+        $routeMode = (int) ($data['route_mode'] ?? 0);
+        $status = (int) ($data['status'] ?? 0);
+
+        return [
+            'id' => (int) ($data['id'] ?? 0),
+            'group_name' => (string) ($data['group_name'] ?? ''),
+            'pay_type_id' => (int) ($data['pay_type_id'] ?? 0),
+            'route_mode' => $routeMode,
+            'route_mode_text' => (string) (RouteConstant::routeModeMap()[$routeMode] ?? '未知'),
+            'status' => $status,
+            'status_text' => (string) (CommonConstant::statusMap()[$status] ?? '未知'),
+            'remark' => (string) ($data['remark'] ?? ''),
+            'created_at' => $this->supportService->formatDateTime($data['created_at'] ?? null),
+            'updated_at' => $this->supportService->formatDateTime($data['updated_at'] ?? null),
+        ];
+    }
+
+    private function normalizePreviewCandidate(mixed $candidate): ?array
+    {
+        $data = is_array($candidate) ? $candidate : $this->supportService->normalizeModel($candidate);
+        if ($data === null) {
+            return null;
+        }
+
+        $channel = $this->supportService->normalizeModel($data['channel'] ?? null) ?? [];
+        $pollGroupChannel = $this->supportService->normalizeModel($data['poll_group_channel'] ?? null) ?? [];
+        $dailyStat = $this->supportService->normalizeModel($data['daily_stat'] ?? null) ?? [];
+
+        $channelMode = (int) ($channel['channel_mode'] ?? 0);
+        $status = (int) ($channel['status'] ?? 0);
+        $payTypeId = (int) ($channel['pay_type_id'] ?? 0);
+
+        return [
+            'channel_id' => (int) ($channel['id'] ?? 0),
+            'channel_name' => (string) ($channel['name'] ?? ''),
+            'pay_type_id' => $payTypeId,
+            'pay_type_name' => $this->supportService->paymentTypeName($payTypeId),
+            'channel_mode' => $channelMode,
+            'channel_mode_text' => (string) (RouteConstant::channelModeMap()[$channelMode] ?? '未知'),
+            'status' => $status,
+            'status_text' => (string) (CommonConstant::statusMap()[$status] ?? '未知'),
+            'plugin_code' => (string) ($channel['plugin_code'] ?? ''),
+            'sort_no' => (int) ($pollGroupChannel['sort_no'] ?? 0),
+            'weight' => (int) ($pollGroupChannel['weight'] ?? 0),
+            'is_default' => (int) ($pollGroupChannel['is_default'] ?? 0),
+            'health_score' => (int) ($dailyStat['health_score'] ?? 0),
+            'health_score_text' => (string) ($dailyStat['health_score'] ?? 0),
+            'success_rate_bp' => (int) ($dailyStat['success_rate_bp'] ?? 0),
+            'success_rate_text' => $this->supportService->formatRate((int) ($dailyStat['success_rate_bp'] ?? 0)),
+            'avg_latency_ms' => (int) ($dailyStat['avg_latency_ms'] ?? 0),
+            'avg_latency_text' => $this->supportService->formatLatency((int) ($dailyStat['avg_latency_ms'] ?? 0)),
+            'split_rate_bp' => (int) ($channel['split_rate_bp'] ?? 0),
+            'split_rate_text' => $this->supportService->formatRate((int) ($channel['split_rate_bp'] ?? 0)),
+            'cost_rate_bp' => (int) ($channel['cost_rate_bp'] ?? 0),
+            'cost_rate_text' => $this->supportService->formatRate((int) ($channel['cost_rate_bp'] ?? 0)),
+            'daily_limit_amount' => (int) ($channel['daily_limit_amount'] ?? 0),
+            'daily_limit_amount_text' => $this->supportService->formatAmountOrUnlimited((int) ($channel['daily_limit_amount'] ?? 0)),
+            'daily_limit_count' => (int) ($channel['daily_limit_count'] ?? 0),
+            'daily_limit_count_text' => $this->supportService->formatCountOrUnlimited((int) ($channel['daily_limit_count'] ?? 0)),
+            'min_amount' => (int) ($channel['min_amount'] ?? 0),
+            'min_amount_text' => $this->supportService->formatAmountOrUnlimited((int) ($channel['min_amount'] ?? 0)),
+            'max_amount' => (int) ($channel['max_amount'] ?? 0),
+            'max_amount_text' => $this->supportService->formatAmountOrUnlimited((int) ($channel['max_amount'] ?? 0)),
+            'remark' => (string) ($channel['remark'] ?? ''),
+            'created_at' => $this->supportService->formatDateTime($channel['created_at'] ?? null),
+            'updated_at' => $this->supportService->formatDateTime($channel['updated_at'] ?? null),
+        ];
+    }
+}

app/service/merchant/portal/MerchantPortalService.php

@@ -0,0 +1,76 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+
+/**
+ * 商户后台基础页面服务门面。
+ *
+ * 仅保留控制器依赖的统一入口，具体能力拆到资料、通道、凭证和资金子服务。
+ */
+class MerchantPortalService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalProfileService $profileService,
+        protected MerchantPortalChannelService $channelService,
+        protected MerchantPortalCredentialService $credentialService,
+        protected MerchantPortalFinanceService $financeService
+    ) {
+    }
+
+    public function profile(int $merchantId): array
+    {
+        return $this->profileService->profile($merchantId);
+    }
+
+    public function updateProfile(int $merchantId, array $data): array
+    {
+        return $this->profileService->updateProfile($merchantId, $data);
+    }
+
+    public function changePassword(int $merchantId, array $data): array
+    {
+        return $this->profileService->changePassword($merchantId, $data);
+    }
+
+    public function myChannels(array $filters, int $merchantId, int $page, int $pageSize): array
+    {
+        return $this->channelService->myChannels($filters, $merchantId, $page, $pageSize);
+    }
+
+    public function routePreview(int $merchantId, int $payTypeId, int $payAmount, string $statDate = ''): array
+    {
+        return $this->channelService->routePreview($merchantId, $payTypeId, $payAmount, $statDate);
+    }
+
+    public function apiCredential(int $merchantId): array
+    {
+        return $this->credentialService->apiCredential($merchantId);
+    }
+
+    public function issueCredential(int $merchantId): array
+    {
+        return $this->credentialService->issueCredential($merchantId);
+    }
+
+    public function settlementRecords(array $filters, int $merchantId, int $page, int $pageSize): array
+    {
+        return $this->financeService->settlementRecords($filters, $merchantId, $page, $pageSize);
+    }
+
+    public function settlementRecordDetail(string $settleNo, int $merchantId): ?array
+    {
+        return $this->financeService->settlementRecordDetail($settleNo, $merchantId);
+    }
+
+    public function withdrawableBalance(int $merchantId): array
+    {
+        return $this->financeService->withdrawableBalance($merchantId);
+    }
+
+    public function balanceFlows(array $filters, int $merchantId, int $page, int $pageSize): array
+    {
+        return $this->financeService->balanceFlows($filters, $merchantId, $page, $pageSize);
+    }
+}

app/service/merchant/portal/MerchantPortalSettlementService.php

@@ -0,0 +1,47 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+use app\exception\ResourceNotFoundException;
+use app\service\payment\settlement\SettlementOrderQueryService;
+
+/**
+ * 商户门户清算服务。
+ */
+class MerchantPortalSettlementService extends BaseService
+{
+    public function __construct(
+        protected MerchantPortalSupportService $supportService,
+        protected SettlementOrderQueryService $settlementOrderQueryService
+    ) {
+    }
+
+    public function settlementRecords(array $filters, int $merchantId, int $page, int $pageSize): array
+    {
+        $paginator = $this->settlementOrderQueryService->paginate($filters, $page, $pageSize, $merchantId);
+
+        return [
+            'merchant' => $this->supportService->merchantSummary($merchantId),
+            'list' => $paginator->items(),
+            'total' => $paginator->total(),
+            'page' => $paginator->currentPage(),
+            'size' => $paginator->perPage(),
+        ];
+    }
+
+    public function settlementRecordDetail(string $settleNo, int $merchantId): ?array
+    {
+        try {
+            $detail = $this->settlementOrderQueryService->detail($settleNo, $merchantId);
+        } catch (ResourceNotFoundException) {
+            return null;
+        }
+
+        return [
+            'merchant' => $this->supportService->merchantSummary($merchantId),
+            'settlement_order' => $detail['settlement_order'] ?? null,
+            'timeline' => $detail['timeline'] ?? [],
+        ];
+    }
+}

app/service/merchant/portal/MerchantPortalSupportService.php

@@ -0,0 +1,201 @@
+<?php
+
+namespace app\service\merchant\portal;
+
+use app\common\base\BaseService;
+use app\common\constant\AuthConstant;
+use app\exception\ResourceNotFoundException;
+use app\repository\merchant\base\MerchantRepository;
+use app\service\merchant\MerchantService;
+use app\service\payment\config\PaymentTypeService;
+
+/**
+ * 商户门户公共支持服务。
+ *
+ * 统一承接商户门户里复用的商户摘要、支付方式和通用格式化能力。
+ */
+class MerchantPortalSupportService extends BaseService
+{
+    public function __construct(
+        protected MerchantService $merchantService,
+        protected MerchantRepository $merchantRepository,
+        protected PaymentTypeService $paymentTypeService
+    ) {
+    }
+
+    /**
+     * 当前商户基础资料摘要。
+     */
+    public function merchantSummary(int $merchantId): array
+    {
+        $this->merchantService->ensureMerchantEnabled($merchantId);
+
+        $row = $this->merchantRepository->query()
+            ->from('ma_merchant as m')
+            ->leftJoin('ma_merchant_group as g', 'm.group_id', '=', 'g.id')
+            ->select([
+                'm.id',
+                'm.merchant_no',
+                'm.merchant_name',
+                'm.merchant_short_name',
+                'm.merchant_type',
+                'm.group_id',
+                'm.risk_level',
+                'm.contact_name',
+                'm.contact_phone',
+                'm.contact_email',
+                'm.settlement_account_name',
+                'm.settlement_account_no',
+                'm.settlement_bank_name',
+                'm.settlement_bank_branch',
+                'm.status',
+                'm.last_login_at',
+                'm.last_login_ip',
+                'm.password_updated_at',
+                'm.remark',
+                'm.created_at',
+                'm.updated_at',
+            ])
+            ->selectRaw("COALESCE(g.group_name, '未分组') AS merchant_group_name")
+            ->selectRaw("COALESCE(m.settlement_account_name, '') AS settlement_account_name_text")
+            ->selectRaw("CASE WHEN m.settlement_account_no IS NULL OR m.settlement_account_no = '' THEN '' ELSE CONCAT(LEFT(m.settlement_account_no, 4), '****', RIGHT(m.settlement_account_no, 4)) END AS settlement_account_no_masked")
+            ->selectRaw("COALESCE(m.settlement_bank_name, '') AS settlement_bank_name_text")
+            ->selectRaw("COALESCE(m.settlement_bank_branch, '') AS settlement_bank_branch_text")
+            ->selectRaw("CASE m.merchant_type WHEN 0 THEN '个人' WHEN 1 THEN '企业' ELSE '其他' END AS merchant_type_text")
+            ->selectRaw("CASE m.risk_level WHEN 0 THEN '低' WHEN 1 THEN '中' WHEN 2 THEN '高' ELSE '未知' END AS risk_level_text")
+            ->selectRaw("CASE m.status WHEN 0 THEN '停用' WHEN 1 THEN '启用' ELSE '未知' END AS status_text")
+            ->where('m.id', $merchantId)
+            ->first();
+
+        if (!$row) {
+            throw new ResourceNotFoundException('商户不存在', ['merchant_id' => $merchantId]);
+        }
+
+        return [
+            'id' => (int) $row->id,
+            'merchant_id' => (int) $row->id,
+            'merchant_no' => (string) $row->merchant_no,
+            'merchant_name' => (string) $row->merchant_name,
+            'merchant_short_name' => (string) $row->merchant_short_name,
+            'merchant_type' => (int) $row->merchant_type,
+            'merchant_type_text' => (string) $row->merchant_type_text,
+            'merchant_group_id' => (int) $row->group_id,
+            'merchant_group_name' => (string) $row->merchant_group_name,
+            'risk_level' => (int) $row->risk_level,
+            'risk_level_text' => (string) $row->risk_level_text,
+            'contact_name' => (string) $row->contact_name,
+            'contact_phone' => (string) $row->contact_phone,
+            'contact_email' => (string) $row->contact_email,
+            'settlement_account_name' => (string) $row->settlement_account_name,
+            'settlement_account_no' => (string) $row->settlement_account_no,
+            'settlement_bank_name' => (string) $row->settlement_bank_name,
+            'settlement_bank_branch' => (string) $row->settlement_bank_branch,
+            'settlement_account_name_text' => (string) $row->settlement_account_name_text,
+            'settlement_account_no_masked' => (string) $row->settlement_account_no_masked,
+            'settlement_bank_name_text' => (string) $row->settlement_bank_name_text,
+            'settlement_bank_branch_text' => (string) $row->settlement_bank_branch_text,
+            'status' => (int) $row->status,
+            'status_text' => (string) $row->status_text,
+            'last_login_at' => $this->formatDateTime($row->last_login_at ?? null),
+            'last_login_ip' => (string) ($row->last_login_ip ?? ''),
+            'password_updated_at' => $this->formatDateTime($row->password_updated_at ?? null),
+            'remark' => (string) $row->remark,
+            'created_at' => $this->formatDateTime($row->created_at ?? null),
+            'updated_at' => $this->formatDateTime($row->updated_at ?? null),
+        ];
+    }
+
+    /**
+     * 启用的支付方式选项。
+     */
+    public function enabledPayTypeOptions(): array
+    {
+        return $this->paymentTypeService->enabledOptions();
+    }
+
+    /**
+     * 根据支付方式 ID 获取名称。
+     */
+    public function paymentTypeName(int $payTypeId): string
+    {
+        foreach ($this->paymentTypeService->enabledOptions() as $option) {
+            if ((int) ($option['value'] ?? 0) === $payTypeId) {
+                return (string) ($option['label'] ?? '');
+            }
+        }
+
+        return $payTypeId > 0 ? '未知' : '';
+    }
+
+    /**
+     * 格式化金额，单位为元。
+     */
+    public function formatAmount(int $amount): string
+    {
+        return parent::formatAmount($amount);
+    }
+
+    /**
+     * 格式化金额，0 时显示不限。
+     */
+    public function formatAmountOrUnlimited(int $amount): string
+    {
+        return parent::formatAmountOrUnlimited($amount);
+    }
+
+    /**
+     * 格式化次数，0 时显示不限。
+     */
+    public function formatCountOrUnlimited(int $count): string
+    {
+        return parent::formatCountOrUnlimited($count);
+    }
+
+    /**
+     * 格式化费率，单位为百分点。
+     */
+    public function formatRate(int $basisPoints): string
+    {
+        return parent::formatRate($basisPoints);
+    }
+
+    /**
+     * 格式化延迟。
+     */
+    public function formatLatency(int $latencyMs): string
+    {
+        return parent::formatLatency($latencyMs);
+    }
+
+    /**
+     * 格式化日期时间。
+     */
+    public function formatDateTime(mixed $value, string $emptyText = ''): string
+    {
+        return parent::formatDateTime($value, $emptyText);
+    }
+
+    /**
+     * 归一化模型对象，兼容模型和数组。
+     */
+    public function normalizeModel(mixed $value): ?array
+    {
+        return parent::normalizeModel($value);
+    }
+
+    /**
+     * 隐藏接口凭证明文。
+     */
+    public function maskCredentialValue(string $credentialValue, bool $maskShortValue = true): string
+    {
+        return parent::maskCredentialValue($credentialValue, $maskShortValue);
+    }
+
+    /**
+     * 签名类型文案。
+     */
+    public function signTypeText(int $signType): string
+    {
+        return $this->textFromMap($signType, AuthConstant::signTypeMap());
+    }
+}