feat: 完善支付通道和收款监听链路

新增 ChannelNotifyPayloadInterface 等支付插件通知契约，规范 pay_no 定位和插件返回校验。

新增微信、支付宝、收钱吧、Postar 个人收款插件适配，支持余额识别与备注识别。

新增 receipt-watcher 后端进程、Redis 队列 job 和平台事件监听，覆盖收款流水通知、商户通知、退款派发、转账派发与清算完成。

补齐个人收款监听相关系统配置、仓储、服务费冻结明细、订单后台操作和通道测试能力。

重构支付单创建、回调、费用、风控、结算和通道统计链路，统一状态流转与幂等处理。

app/http/admin/controller/merchant/MerchantController.php

@@ -5,6 +5,7 @@ namespace app\http\admin\controller\merchant;
 use app\common\base\BaseController;
 use app\http\admin\validation\MerchantApiCredentialValidator;
 use app\http\admin\validation\MerchantValidator;
+use app\service\merchant\auth\MerchantAuthService;
 use app\service\merchant\MerchantService;
 use support\Request;
 use support\Response;
@@ -25,7 +26,8 @@ class MerchantController extends BaseController
      * @return void
      */
     public function __construct(
-        protected MerchantService $merchantService
+        protected MerchantService $merchantService,
+        protected MerchantAuthService $merchantAuthService
     ) {
     }
 
@@ -127,6 +129,34 @@ class MerchantController extends BaseController
         return $this->success($this->merchantService->resetPassword((int) $data['id'], (string) $data['password']));
     }
 
+    /**
+     * 签发商户后台临时登录令牌。
+     *
+     * 该入口只在管理后台登录态下可用，用于客服或运营从商户工作台直接进入当前商户后台。
+     *
+     * @param Request $request 请求对象
+     * @param string $id 商户ID
+     * @return Response 响应对象
+     */
+    public function loginToken(Request $request, string $id): Response
+    {
+        $data = $this->validated(['id' => (int) $id], MerchantValidator::class, 'loginToken');
+        $merchant = $this->merchantService->ensureMerchantEnabled((int) $data['id']);
+        $issued = $this->merchantAuthService->issueToken(
+            (int) $merchant->id,
+            3600,
+            (string) $request->getRealIp(),
+            (string) $request->header('user-agent', '')
+        );
+
+        return $this->success([
+            'token' => (string) $issued['token'],
+            'expires_in' => (int) $issued['expires_in'],
+            'merchant_id' => (int) $merchant->id,
+            'merchant_no' => (string) $merchant->merchant_no,
+        ]);
+    }
+
     /**
      * 生成或重置商户 API 凭证。
      *

app/http/admin/controller/payment/PaymentChannelController.php

@@ -5,6 +5,7 @@ namespace app\http\admin\controller\payment;
 use app\common\base\BaseController;
 use app\http\admin\validation\PaymentChannelValidator;
 use app\service\payment\config\PaymentChannelService;
+use app\service\payment\config\PaymentChannelTestService;
 use support\Request;
 use support\Response;
 
@@ -14,6 +15,7 @@ use support\Response;
  * 负责支付通道的列表、详情、新增、修改和删除。
  *
  * @property PaymentChannelService $paymentChannelService 支付渠道服务
+ * @property PaymentChannelTestService $paymentChannelTestService 支付通道测试服务
  */
 class PaymentChannelController extends BaseController
 {
@@ -21,10 +23,12 @@ class PaymentChannelController extends BaseController
      * 构造方法。
      *
      * @param PaymentChannelService $paymentChannelService 支付渠道服务
+     * @param PaymentChannelTestService $paymentChannelTestService 支付通道测试服务
      * @return void
      */
     public function __construct(
-        protected PaymentChannelService $paymentChannelService
+        protected PaymentChannelService $paymentChannelService,
+        protected PaymentChannelTestService $paymentChannelTestService
     ) {
     }
 
@@ -157,6 +161,25 @@ class PaymentChannelController extends BaseController
 
         return $this->success($this->paymentChannelService->searchOptions($request->all(), $page, $pageSize));
     }
+
+    /**
+     * 发起当前通道测试支付。
+     *
+     * @param Request $request 请求对象
+     * @param string $id 支付渠道ID
+     * @return Response 响应对象
+     */
+    public function test(Request $request, string $id): Response
+    {
+        $data = $this->validated(
+            array_merge($request->all(), ['id' => (int) $id]),
+            PaymentChannelValidator::class,
+            'test'
+        );
+        $data['client_ip'] = (string) $request->getRealIp();
+
+        return $this->success($this->paymentChannelTestService->submit((int) $data['id'], $data));
+    }
 }
 
 

app/http/admin/controller/system/SystemConfigPageController.php

@@ -16,7 +16,7 @@ use support\Response;
 class SystemConfigPageController extends BaseController
 {
     /**
- * 构造方法。
+     * 构造方法。
      *
      * @param SystemConfigPageService $systemConfigPageService 系统配置页面服务
      * @return void

app/http/admin/controller/system/SystemController.php

@@ -4,6 +4,7 @@ namespace app\http\admin\controller\system;
 
 use app\common\base\BaseController;
 use app\service\bootstrap\SystemBootstrapService;
+use app\service\system\config\SystemPublicConfigService;
 use support\Request;
 use support\Response;
 
@@ -11,17 +12,20 @@ use support\Response;
  * 管理后台系统数据控制器。
  *
  * @property SystemBootstrapService $systemBootstrapService 系统引导服务
+ * @property SystemPublicConfigService $systemPublicConfigService 系统公开配置服务
  */
 class SystemController extends BaseController
 {
     /**
- * 构造方法。
+     * 构造方法。
      *
      * @param SystemBootstrapService $systemBootstrapService 系统引导服务
+     * @param SystemPublicConfigService $systemPublicConfigService 系统公开配置服务
      * @return void
      */
     public function __construct(
-        protected SystemBootstrapService $systemBootstrapService
+        protected SystemBootstrapService $systemBootstrapService,
+        protected SystemPublicConfigService $systemPublicConfigService
     ) {
     }
 
@@ -46,6 +50,17 @@ class SystemController extends BaseController
     {
         return $this->success($this->systemBootstrapService->getDictItems((string) $request->get('code', '')));
     }
+
+    /**
+     * 获取管理后台公开展示配置。
+     *
+     * @param Request $request 请求对象
+     * @return Response 响应对象
+     */
+    public function publicConfig(Request $request): Response
+    {
+        return $this->success($this->systemPublicConfigService->adminPortal());
+    }
 }
 
 

app/http/admin/controller/trade/PayOrderController.php

@@ -3,7 +3,9 @@
 namespace app\http\admin\controller\trade;
 
 use app\common\base\BaseController;
+use app\http\admin\validation\PayOrderActionValidator;
 use app\http\admin\validation\PayOrderValidator;
+use app\service\payment\order\PayOrderAdminActionService;
 use app\service\payment\order\PayOrderService;
 use support\Request;
 use support\Response;
@@ -14,6 +16,7 @@ use support\Response;
  * 当前提供列表查询和详情查看，便于后台直接排查支付链路。
  *
  * @property PayOrderService $payOrderService 支付订单服务
+ * @property PayOrderAdminActionService $payOrderAdminActionService 支付订单后台操作服务
  */
 class PayOrderController extends BaseController
 {
@@ -21,10 +24,12 @@ class PayOrderController extends BaseController
      * 构造方法。
      *
      * @param PayOrderService $payOrderService 支付订单服务
+     * @param PayOrderAdminActionService $payOrderAdminActionService 支付订单后台操作服务
      * @return void
      */
     public function __construct(
-        protected PayOrderService $payOrderService
+        protected PayOrderService $payOrderService,
+        protected PayOrderAdminActionService $payOrderAdminActionService
     ) {
     }
 
@@ -40,7 +45,7 @@ class PayOrderController extends BaseController
         $page = max(1, (int) ($data['page'] ?? 1));
         $pageSize = max(1, (int) ($data['page_size'] ?? 10));
 
-        return $this->success($this->payOrderService->paginate($data, $page, $pageSize));
+        return $this->success($this->payOrderService->paginate($data, $page, $pageSize, null, true));
     }
 
     /**
@@ -58,7 +63,151 @@ class PayOrderController extends BaseController
             'show'
         );
 
-        return $this->success($this->payOrderService->detail($payNo));
+        return $this->success($this->payOrderService->detail($payNo, null, true));
+    }
+
+    /**
+     * 查询支付订单可操作项。
+     *
+     * @param Request $request 请求对象
+     * @param string $payNo 支付单号
+     * @return Response 响应对象
+     */
+    public function actions(Request $request, string $payNo): Response
+    {
+        $this->validated(
+            array_merge($request->all(), ['pay_no' => $payNo]),
+            PayOrderActionValidator::class,
+            'actions'
+        );
+
+        return $this->success($this->payOrderAdminActionService->actions($payNo));
+    }
+
+    /**
+     * 重新通知商户。
+     *
+     * @param Request $request 请求对象
+     * @param string $payNo 支付单号
+     * @return Response 响应对象
+     */
+    public function renotify(Request $request, string $payNo): Response
+    {
+        $data = $this->validated(
+            array_merge($this->payload($request), ['pay_no' => $payNo]),
+            PayOrderActionValidator::class,
+            'renotify'
+        );
+
+        return $this->success($this->payOrderAdminActionService->renotify($payNo, $data, $this->currentAdminId($request)));
+    }
+
+    /**
+     * 主动查询上游支付结果。
+     *
+     * @param Request $request 请求对象
+     * @param string $payNo 支付单号
+     * @return Response 响应对象
+     */
+    public function activeQuery(Request $request, string $payNo): Response
+    {
+        $data = $this->validated(
+            array_merge($this->payload($request), ['pay_no' => $payNo]),
+            PayOrderActionValidator::class,
+            'active_query'
+        );
+
+        return $this->success($this->payOrderAdminActionService->activeQuery($payNo, $data, $this->currentAdminId($request)));
+    }
+
+    /**
+     * 发起 API 退款。
+     *
+     * @param Request $request 请求对象
+     * @param string $payNo 支付单号
+     * @return Response 响应对象
+     */
+    public function apiRefund(Request $request, string $payNo): Response
+    {
+        $data = $this->validated(
+            array_merge($this->payload($request), ['pay_no' => $payNo]),
+            PayOrderActionValidator::class,
+            'api_refund'
+        );
+
+        return $this->success($this->payOrderAdminActionService->apiRefund($payNo, $data, $this->currentAdminId($request)));
+    }
+
+    /**
+     * 手动退款。
+     *
+     * @param Request $request 请求对象
+     * @param string $payNo 支付单号
+     * @return Response 响应对象
+     */
+    public function manualRefund(Request $request, string $payNo): Response
+    {
+        $data = $this->validated(
+            array_merge($this->payload($request), ['pay_no' => $payNo]),
+            PayOrderActionValidator::class,
+            'manual_refund'
+        );
+
+        return $this->success($this->payOrderAdminActionService->manualRefund($payNo, $data, $this->currentAdminId($request)));
+    }
+
+    /**
+     * 手动补单。
+     *
+     * @param Request $request 请求对象
+     * @param string $payNo 支付单号
+     * @return Response 响应对象
+     */
+    public function manualSuccess(Request $request, string $payNo): Response
+    {
+        $data = $this->validated(
+            array_merge($this->payload($request), ['pay_no' => $payNo]),
+            PayOrderActionValidator::class,
+            'manual_success'
+        );
+
+        return $this->success($this->payOrderAdminActionService->manualSuccess($payNo, $data, $this->currentAdminId($request)));
+    }
+
+    /**
+     * 冻结支付订单。
+     *
+     * @param Request $request 请求对象
+     * @param string $payNo 支付单号
+     * @return Response 响应对象
+     */
+    public function freeze(Request $request, string $payNo): Response
+    {
+        $data = $this->validated(
+            array_merge($this->payload($request), ['pay_no' => $payNo]),
+            PayOrderActionValidator::class,
+            'freeze'
+        );
+
+        return $this->success($this->payOrderAdminActionService->freeze($payNo, $data, $this->currentAdminId($request)));
+    }
+
+    /**
+     * 解冻支付订单。
+     *
+     * @param Request $request 请求对象
+     * @param string $payNo 支付单号
+     * @return Response 响应对象
+     */
+    public function unfreeze(Request $request, string $payNo): Response
+    {
+        $data = $this->validated(
+            array_merge($this->payload($request), ['pay_no' => $payNo]),
+            PayOrderActionValidator::class,
+            'unfreeze'
+        );
+
+        return $this->success($this->payOrderAdminActionService->unfreeze($payNo, $data, $this->currentAdminId($request)));
     }
 }
 

app/http/admin/controller/trade/SettlementOrderController.php

@@ -3,9 +3,11 @@
 namespace app\http\admin\controller\trade;
 
 use app\common\base\BaseController;
+use app\exception\BusinessStateException;
 use app\exception\ResourceNotFoundException;
 use app\http\admin\validation\SettlementOrderValidator;
 use app\service\payment\settlement\SettlementOrderQueryService;
+use app\service\payment\settlement\SettlementService;
 use support\Request;
 use support\Response;
 
@@ -13,6 +15,7 @@ use support\Response;
  * 清算订单控制器。
  *
  * @property SettlementOrderQueryService $settlementOrderQueryService 结算订单查询服务
+ * @property SettlementService $settlementService 清算服务
  */
 class SettlementOrderController extends BaseController
 {
@@ -20,10 +23,12 @@ class SettlementOrderController extends BaseController
      * 构造方法。
      *
      * @param SettlementOrderQueryService $settlementOrderQueryService 结算订单查询服务
+     * @param SettlementService $settlementService 清算服务
      * @return void
      */
     public function __construct(
-        protected SettlementOrderQueryService $settlementOrderQueryService
+        protected SettlementOrderQueryService $settlementOrderQueryService,
+        protected SettlementService $settlementService
     ) {
     }
 
@@ -62,6 +67,53 @@ class SettlementOrderController extends BaseController
             return $this->fail('清算订单不存在', 404);
         }
     }
+
+    /**
+     * 清算入账。
+     *
+     * @param Request $request 请求对象
+     * @param string $settleNo 清算单号
+     * @return Response 响应对象
+     */
+    public function complete(Request $request, string $settleNo): Response
+    {
+        $data = $this->validated(['settle_no' => $settleNo], SettlementOrderValidator::class, 'show');
+
+        try {
+            return $this->success($this->settlementService->completeSettlement((string) $data['settle_no']));
+        } catch (ResourceNotFoundException $e) {
+            return $this->fail($e->getMessage(), $e->getCode());
+        } catch (BusinessStateException $e) {
+            return $this->fail($e->getMessage(), $e->getCode());
+        }
+    }
+
+    /**
+     * 标记清算失败。
+     *
+     * @param Request $request 请求对象
+     * @param string $settleNo 清算单号
+     * @return Response 响应对象
+     */
+    public function markFailed(Request $request, string $settleNo): Response
+    {
+        $data = $this->validated(
+            array_merge($request->all(), ['settle_no' => $settleNo]),
+            SettlementOrderValidator::class,
+            'fail'
+        );
+
+        try {
+            return $this->success($this->settlementService->failSettlement(
+                (string) $data['settle_no'],
+                (string) ($data['reason'] ?? '')
+            ));
+        } catch (ResourceNotFoundException $e) {
+            return $this->fail($e->getMessage(), $e->getCode());
+        } catch (BusinessStateException $e) {
+            return $this->fail($e->getMessage(), $e->getCode());
+        }
+    }
 }