余额告警独立页面与多渠道通知：钉钉/飞书/企业微信/Bark，支持通知频率策略

- 告警设置拆分为独立页面，支持钉钉/飞书/企业微信/Bark/通用Webhook 多渠道
- 通知策略：低于阈值后按间隔重复提醒，达到最大次数停止，余额恢复自动重置
- 旧 webhook 配置自动迁移为通用渠道，渠道支持测试发送
- 优化告警话术：去商户ID展示、数字千分位格式化

backend/internal/database/migrations/004_alert_channels.sql

@@ -0,0 +1,24 @@
+-- ============================================================================
+-- 余额告警通知渠道（支持钉钉 / 飞书 / 企业微信 / Bark / 通用 Webhook）
+-- ============================================================================
+
+CREATE TABLE IF NOT EXISTS alert_notify_channels (
+	id BIGSERIAL PRIMARY KEY,
+	created_at TIMESTAMPTZ NOT NULL DEFAULT now(),
+	updated_at TIMESTAMPTZ NOT NULL DEFAULT now(),
+	deleted_at TIMESTAMPTZ,
+	merchant_id BIGINT NOT NULL,
+	channel_type VARCHAR(32) NOT NULL,
+	name VARCHAR(64) NOT NULL DEFAULT '',
+	config TEXT NOT NULL DEFAULT '{}',
+	enabled BOOLEAN NOT NULL DEFAULT true
+);
+
+CREATE INDEX IF NOT EXISTS idx_alert_notify_channels_merchant ON alert_notify_channels (merchant_id);
+
+-- 历史 merchant_alert_configs.webhook_url 迁移为通用 webhook 渠道
+INSERT INTO alert_notify_channels (merchant_id, channel_type, name, config, enabled)
+SELECT merchant_id, 'webhook', '原 Webhook', json_build_object('webhook_url', webhook_url), true
+FROM merchant_alert_configs
+WHERE webhook_url <> ''
+ON CONFLICT DO NOTHING;

backend/internal/database/migrations/005_alert_policy.sql

@@ -0,0 +1,15 @@
+-- ============================================================================
+-- 余额告警通知频率策略：通知间隔、最大通知次数与当前通知状态
+-- ============================================================================
+
+ALTER TABLE merchant_alert_configs
+	ADD COLUMN IF NOT EXISTS notify_interval_minutes INT NOT NULL DEFAULT 60;
+
+ALTER TABLE merchant_alert_configs
+	ADD COLUMN IF NOT EXISTS max_notifications INT NOT NULL DEFAULT 5;
+
+ALTER TABLE merchant_alert_configs
+	ADD COLUMN IF NOT EXISTS last_notified_at TIMESTAMPTZ;
+
+ALTER TABLE merchant_alert_configs
+	ADD COLUMN IF NOT EXISTS notification_count INT NOT NULL DEFAULT 0;

backend/internal/handler/recharge.go

@@ -4,6 +4,7 @@ import (
 	"strconv"
 
 	"affiliate_dash/internal/middleware"
+	"affiliate_dash/internal/model"
 	"affiliate_dash/internal/pkg/response"
 	"affiliate_dash/internal/service"
 
@@ -113,9 +114,10 @@ func (h *RechargeHandler) GetAlertConfig(c *gin.Context) {
 }
 
 type alertConfigReq struct {
-	Enabled         bool   `json:"enabled"`
-	ThresholdPoints int64  `json:"threshold_points"`
-	WebhookURL      string `json:"webhook_url"`
+	Enabled               bool  `json:"enabled"`
+	ThresholdPoints       int64 `json:"threshold_points"`
+	NotifyIntervalMinutes int   `json:"notify_interval_minutes"`
+	MaxNotifications      int   `json:"max_notifications"`
 }
 
 // SaveAlertConfig PUT /api/merchant/recharge/alert-config
@@ -126,9 +128,10 @@ func (h *RechargeHandler) SaveAlertConfig(c *gin.Context) {
 		return
 	}
 	cfg, err := h.rechargeSvc.SaveAlertConfig(middleware.GetMerchantID(c), service.SaveAlertInput{
-		Enabled:         req.Enabled,
-		ThresholdPoints: req.ThresholdPoints,
-		WebhookURL:      req.WebhookURL,
+		Enabled:               req.Enabled,
+		ThresholdPoints:       req.ThresholdPoints,
+		NotifyIntervalMinutes: req.NotifyIntervalMinutes,
+		MaxNotifications:      req.MaxNotifications,
 	})
 	if err != nil {
 		response.BadRequest(c, err.Error())
@@ -137,6 +140,105 @@ func (h *RechargeHandler) SaveAlertConfig(c *gin.Context) {
 	response.OK(c, cfg)
 }
 
+// ListAlertChannels GET /api/merchant/alert-channels
+func (h *RechargeHandler) ListAlertChannels(c *gin.Context) {
+	list, err := h.rechargeSvc.ListAlertChannels(middleware.GetMerchantID(c))
+	if err != nil {
+		response.ServerError(c, err.Error())
+		return
+	}
+	response.OK(c, list)
+}
+
+type alertChannelReq struct {
+	ChannelType string `json:"channel_type" binding:"required"`
+	Name        string `json:"name"`
+	WebhookURL  string `json:"webhook_url"`
+	Server      string `json:"server"`
+	Key         string `json:"key"`
+	Enabled     *bool  `json:"enabled"`
+}
+
+func (r alertChannelReq) toInput() service.AlertChannelInput {
+	enabled := true
+	if r.Enabled != nil {
+		enabled = *r.Enabled
+	}
+	return service.AlertChannelInput{
+		ChannelType: r.ChannelType,
+		Name:        r.Name,
+		Enabled:     enabled,
+		Config: model.AlertChannelConfig{
+			WebhookURL: r.WebhookURL,
+			Server:     r.Server,
+			Key:        r.Key,
+		},
+	}
+}
+
+// CreateAlertChannel POST /api/merchant/alert-channels
+func (h *RechargeHandler) CreateAlertChannel(c *gin.Context) {
+	var req alertChannelReq
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "参数错误：channel_type 必填")
+		return
+	}
+	channel, err := h.rechargeSvc.CreateAlertChannel(middleware.GetMerchantID(c), req.toInput())
+	if err != nil {
+		response.BadRequest(c, err.Error())
+		return
+	}
+	response.OK(c, channel)
+}
+
+// UpdateAlertChannel PUT /api/merchant/alert-channels/:id
+func (h *RechargeHandler) UpdateAlertChannel(c *gin.Context) {
+	id, _ := strconv.ParseUint(c.Param("id"), 10, 64)
+	if id == 0 {
+		response.BadRequest(c, "渠道 ID 无效")
+		return
+	}
+	var req alertChannelReq
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "参数错误：channel_type 必填")
+		return
+	}
+	channel, err := h.rechargeSvc.UpdateAlertChannel(middleware.GetMerchantID(c), uint(id), req.toInput())
+	if err != nil {
+		response.BadRequest(c, err.Error())
+		return
+	}
+	response.OK(c, channel)
+}
+
+// DeleteAlertChannel DELETE /api/merchant/alert-channels/:id
+func (h *RechargeHandler) DeleteAlertChannel(c *gin.Context) {
+	id, _ := strconv.ParseUint(c.Param("id"), 10, 64)
+	if id == 0 {
+		response.BadRequest(c, "渠道 ID 无效")
+		return
+	}
+	if err := h.rechargeSvc.DeleteAlertChannel(middleware.GetMerchantID(c), uint(id)); err != nil {
+		response.ServerError(c, err.Error())
+		return
+	}
+	response.OK(c, nil)
+}
+
+// TestAlertChannel POST /api/merchant/alert-channels/:id/test
+func (h *RechargeHandler) TestAlertChannel(c *gin.Context) {
+	id, _ := strconv.ParseUint(c.Param("id"), 10, 64)
+	if id == 0 {
+		response.BadRequest(c, "渠道 ID 无效")
+		return
+	}
+	if err := h.rechargeSvc.TestAlertChannel(middleware.GetMerchantID(c), uint(id)); err != nil {
+		response.BadRequest(c, err.Error())
+		return
+	}
+	response.OK(c, nil)
+}
+
 // Upload POST /api/upload 上传凭证图片（multipart 字段名 file）。
 func (h *RechargeHandler) Upload(c *gin.Context) {
 	fileHeader, err := c.FormFile("file")

backend/internal/model/recharge.go

@@ -34,7 +34,9 @@ type RechargeApplication struct {
 	Merchant *Merchant `gorm:"foreignKey:MerchantID" json:"merchant,omitempty"`
 }
 
-// MerchantAlertConfig 低余额 Webhook 告警配置（每商户一份）。
+// MerchantAlertConfig 低余额告警配置（每商户一份）。
+// 通知策略：余额低于阈值期间按 NotifyIntervalMinutes 间隔重复通知，
+// 最多 MaxNotifications 次（0 表示不限）；余额恢复阈值以上后重置计数。
 type MerchantAlertConfig struct {
 	ID        uint      `gorm:"primarykey" json:"id"`
 	CreatedAt time.Time `json:"created_at"`
@@ -43,5 +45,41 @@ type MerchantAlertConfig struct {
 	MerchantID      uint   `gorm:"not null;uniqueIndex" json:"merchant_id"`
 	Enabled         bool   `gorm:"not null;default:false" json:"enabled"`
 	ThresholdPoints int64  `gorm:"not null;default:0" json:"threshold_points"`
-	WebhookURL      string `gorm:"size:1024" json:"webhook_url"`
+	WebhookURL      string `gorm:"size:1024" json:"-"`
+
+	// 通知频率策略
+	NotifyIntervalMinutes int        `gorm:"not null;default:60" json:"notify_interval_minutes"`
+	MaxNotifications      int        `gorm:"not null;default:5" json:"max_notifications"`
+	LastNotifiedAt        *time.Time `json:"last_notified_at"`
+	NotificationCount     int        `gorm:"not null;default:0" json:"notification_count"`
+}
+
+// 告警通知渠道类型
+const (
+	AlertChannelDingtalk = "dingtalk"
+	AlertChannelFeishu   = "feishu"
+	AlertChannelWecom    = "wecom"
+	AlertChannelBark     = "bark"
+	AlertChannelWebhook  = "webhook"
+)
+
+// AlertChannelConfig 告警渠道专属配置：webhook 类渠道用 WebhookURL，Bark 用 Server+Key。
+type AlertChannelConfig struct {
+	WebhookURL string `json:"webhook_url,omitempty"`
+	Server     string `json:"server,omitempty"`
+	Key        string `json:"key,omitempty"`
+}
+
+// AlertNotifyChannel 余额告警通知渠道，Config 为渠道专属 JSON 配置。
+type AlertNotifyChannel struct {
+	ID        uint           `gorm:"primarykey" json:"id"`
+	CreatedAt time.Time      `json:"created_at"`
+	UpdatedAt time.Time      `json:"updated_at"`
+	DeletedAt gorm.DeletedAt `gorm:"index" json:"-"`
+
+	MerchantID  uint               `gorm:"not null;index" json:"merchant_id"`
+	ChannelType string             `gorm:"size:32;not null" json:"channel_type"`
+	Name        string             `gorm:"size:64" json:"name"`
+	Config      AlertChannelConfig `gorm:"type:text;serializer:json" json:"config"`
+	Enabled     bool               `gorm:"not null;default:true" json:"enabled"`
 }

backend/internal/router/router.go

@@ -137,6 +137,11 @@ func Setup(h *Handlers) *gin.Engine {
 				merchant.GET("/recharge/applications", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleOperator, model.MemberRoleFinance), h.Recharge.ListApplications)
 				merchant.GET("/recharge/alert-config", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.GetAlertConfig)
 				merchant.PUT("/recharge/alert-config", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.SaveAlertConfig)
+				merchant.GET("/alert-channels", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.ListAlertChannels)
+				merchant.POST("/alert-channels", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.CreateAlertChannel)
+				merchant.PUT("/alert-channels/:id", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.UpdateAlertChannel)
+				merchant.DELETE("/alert-channels/:id", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.DeleteAlertChannel)
+				merchant.POST("/alert-channels/:id/test", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.TestAlertChannel)
 				merchant.GET("/api-clients", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureAPI), h.Merchant.ListAPIClients)
 				merchant.POST("/api-clients", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureAPI), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleOperator), h.Merchant.CreateAPIClient)
 				merchant.PATCH("/api-clients/:id/status", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureAPI), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleOperator), h.Merchant.UpdateAPIClientStatus)

backend/internal/service/recharge.go

@@ -10,6 +10,7 @@ import (
 	"net/http"
 	"os"
 	"path/filepath"
+	"strconv"
 	"strings"
 	"time"
 
@@ -27,6 +28,9 @@ const (
 	RechargePointsPerCNYCent  = 1    // 每 1 分人民币兑换积分
 )
 
+// timeNow 便于测试控制通知频率判断。
+var timeNow = time.Now
+
 type RechargeService struct {
 	db        *gorm.DB
 	fulfill   *FulfillmentService
@@ -180,9 +184,10 @@ func (s *RechargeService) ReviewRecharge(in ReviewRechargeInput) (*model.Recharg
 }
 
 type SaveAlertInput struct {
-	Enabled         bool
-	ThresholdPoints int64
-	WebhookURL      string
+	Enabled               bool
+	ThresholdPoints       int64
+	NotifyIntervalMinutes int
+	MaxNotifications      int
 }
 
 func (s *RechargeService) GetAlertConfig(merchantID uint) (*model.MerchantAlertConfig, error) {
@@ -201,36 +206,123 @@ func (s *RechargeService) SaveAlertConfig(merchantID uint, in SaveAlertInput) (*
 	if in.ThresholdPoints < 0 {
 		return nil, errors.New("预警阈值不能为负")
 	}
-	if in.WebhookURL == "" || len(in.WebhookURL) > 1024 {
-		return nil, errors.New("请填写 Webhook URL")
+	if in.NotifyIntervalMinutes < 1 {
+		return nil, errors.New("通知间隔至少 1 分钟")
 	}
-	if in.Enabled {
-		if !strings.HasPrefix(in.WebhookURL, "http://") && !strings.HasPrefix(in.WebhookURL, "https://") {
-			return nil, errors.New("Webhook URL 必须以 http(s):// 开头")
-		}
+	if in.MaxNotifications < 0 {
+		return nil, errors.New("最大通知次数不能为负")
 	}
 	var cfg model.MerchantAlertConfig
 	err := s.db.Where("merchant_id = ?", merchantID).First(&cfg).Error
 	switch {
 	case errors.Is(err, gorm.ErrRecordNotFound):
-		cfg = model.MerchantAlertConfig{MerchantID: merchantID, Enabled: in.Enabled, ThresholdPoints: in.ThresholdPoints, WebhookURL: strings.TrimSpace(in.WebhookURL)}
-		if err := s.db.Create(&cfg).Error; err != nil {
-			return nil, err
-		}
+		cfg = model.MerchantAlertConfig{MerchantID: merchantID, Enabled: in.Enabled, ThresholdPoints: in.ThresholdPoints}
 	case err != nil:
 		return nil, err
-	default:
-		cfg.Enabled = in.Enabled
-		cfg.ThresholdPoints = in.ThresholdPoints
-		cfg.WebhookURL = strings.TrimSpace(in.WebhookURL)
-		if err := s.db.Save(&cfg).Error; err != nil {
-			return nil, err
-		}
+	}
+	cfg.Enabled = in.Enabled
+	cfg.ThresholdPoints = in.ThresholdPoints
+	cfg.NotifyIntervalMinutes = in.NotifyIntervalMinutes
+	cfg.MaxNotifications = in.MaxNotifications
+	if err := s.db.Save(&cfg).Error; err != nil {
+		return nil, err
 	}
 	return &cfg, nil
 }
 
-// CheckLowBalanceAndNotify 余额低于阈值时向配置的 Webhook 推送告警。
+type AlertChannelInput struct {
+	ChannelType string
+	Name        string
+	Config      model.AlertChannelConfig
+	Enabled     bool
+}
+
+// ValidateAlertChannelInput 校验渠道类型与配置必填项。
+func ValidateAlertChannelInput(in AlertChannelInput) error {
+	in.ChannelType = strings.TrimSpace(in.ChannelType)
+	switch in.ChannelType {
+	case model.AlertChannelDingtalk, model.AlertChannelFeishu, model.AlertChannelWecom, model.AlertChannelWebhook:
+		if !strings.HasPrefix(in.Config.WebhookURL, "https://") && !strings.HasPrefix(in.Config.WebhookURL, "http://") {
+			return errors.New("Webhook URL 必须以 http(s):// 开头")
+		}
+		if len(in.Config.WebhookURL) > 1024 {
+			return errors.New("Webhook URL 过长")
+		}
+	case model.AlertChannelBark:
+		if strings.TrimSpace(in.Config.Key) == "" {
+			return errors.New("请填写 Bark 设备 Key")
+		}
+		if in.Config.Server != "" && !strings.HasPrefix(in.Config.Server, "https://") && !strings.HasPrefix(in.Config.Server, "http://") {
+			return errors.New("Bark 服务器地址必须以 http(s):// 开头")
+		}
+	default:
+		return errors.New("不支持的渠道类型")
+	}
+	return nil
+}
+
+func (s *RechargeService) ListAlertChannels(merchantID uint) ([]model.AlertNotifyChannel, error) {
+	var list []model.AlertNotifyChannel
+	err := s.db.Where("merchant_id = ?", merchantID).Order("id ASC").Find(&list).Error
+	return list, err
+}
+
+func (s *RechargeService) CreateAlertChannel(merchantID uint, in AlertChannelInput) (*model.AlertNotifyChannel, error) {
+	if err := ValidateAlertChannelInput(in); err != nil {
+		return nil, err
+	}
+	channel := &model.AlertNotifyChannel{
+		MerchantID:  merchantID,
+		ChannelType: strings.TrimSpace(in.ChannelType),
+		Name:        strings.TrimSpace(in.Name),
+		Config:      in.Config,
+		Enabled:     in.Enabled,
+	}
+	if len(channel.Name) > 64 {
+		return nil, errors.New("渠道名称最长 64 个字符")
+	}
+	if err := s.db.Create(channel).Error; err != nil {
+		return nil, err
+	}
+	return channel, nil
+}
+
+func (s *RechargeService) UpdateAlertChannel(merchantID, channelID uint, in AlertChannelInput) (*model.AlertNotifyChannel, error) {
+	if err := ValidateAlertChannelInput(in); err != nil {
+		return nil, err
+	}
+	if len(strings.TrimSpace(in.Name)) > 64 {
+		return nil, errors.New("渠道名称最长 64 个字符")
+	}
+	var channel model.AlertNotifyChannel
+	if err := s.db.Where("id = ? AND merchant_id = ?", channelID, merchantID).First(&channel).Error; err != nil {
+		return nil, errors.New("通知渠道不存在")
+	}
+	channel.ChannelType = strings.TrimSpace(in.ChannelType)
+	channel.Name = strings.TrimSpace(in.Name)
+	channel.Config = in.Config
+	channel.Enabled = in.Enabled
+	if err := s.db.Save(&channel).Error; err != nil {
+		return nil, err
+	}
+	return &channel, nil
+}
+
+func (s *RechargeService) DeleteAlertChannel(merchantID, channelID uint) error {
+	return s.db.Where("id = ? AND merchant_id = ?", channelID, merchantID).Delete(&model.AlertNotifyChannel{}).Error
+}
+
+// TestAlertChannel 向指定渠道发送一条测试消息。
+func (s *RechargeService) TestAlertChannel(merchantID, channelID uint) error {
+	var channel model.AlertNotifyChannel
+	if err := s.db.Where("id = ? AND merchant_id = ?", channelID, merchantID).First(&channel).Error; err != nil {
+		return errors.New("通知渠道不存在")
+	}
+	return sendChannelMessage(channel, "余额告警测试", "这是一条测试消息：如果你收到了这条消息，说明余额告警通知渠道配置正确。")
+}
+
+// CheckLowBalanceAndNotify 余额低于阈值时向所有已启用渠道推送告警。
+// 通知频率策略：按配置间隔重复通知，达到最大次数后停止；余额恢复阈值以上后重置计数。
 func (s *RechargeService) CheckLowBalanceAndNotify(merchantID uint) {
 	cfg, err := s.GetAlertConfig(merchantID)
 	if err != nil || !cfg.Enabled || cfg.ThresholdPoints <= 0 {
@@ -240,30 +332,139 @@ func (s *RechargeService) CheckLowBalanceAndNotify(merchantID uint) {
 	if err != nil {
 		return
 	}
+
+	// 余额已恢复：重置通知状态，等待下一轮告警
 	if wallet.AvailableBalance >= cfg.ThresholdPoints {
+		if cfg.NotificationCount > 0 || cfg.LastNotifiedAt != nil {
+			cfg.NotificationCount = 0
+			cfg.LastNotifiedAt = nil
+			_ = s.db.Model(&cfg).Updates(map[string]interface{}{
+				"notification_count": 0,
+				"last_notified_at":   nil,
+			}).Error
+		}
+		return
+	}
+
+	// 未到通知间隔：跳过
+	if cfg.LastNotifiedAt != nil && timeNow().Sub(*cfg.LastNotifiedAt) < time.Duration(cfg.NotifyIntervalMinutes)*time.Minute {
+		return
+	}
+	// 已达到最大通知次数：停止
+	if cfg.MaxNotifications > 0 && cfg.NotificationCount >= cfg.MaxNotifications {
+		return
+	}
+
+	channels, err := s.ListAlertChannels(merchantID)
+	if err != nil {
 		return
 	}
 	var merchant model.Merchant
 	if err := s.db.Select("code", "name").First(&merchant, merchantID).Error; err != nil {
-		merchant.Name = fmt.Sprintf("商户#%d", merchantID)
+		merchant.Name = "未知商户"
 	}
-	payload := map[string]interface{}{
-		"msgtype": "text",
-		"text": map[string]string{
-			"content": fmt.Sprintf("余额告警：商户 %s（#%d）当前积分余额 %d，已低于阈值 %d，请及时处理充值。", merchant.Name, merchantID, wallet.AvailableBalance, cfg.ThresholdPoints),
-		},
+	content := fmt.Sprintf("【余额告警】商户「%s」当前积分余额 %s，已低于预警阈值 %s，请及时充值以免影响正常业务。", merchant.Name, formatThousands(wallet.AvailableBalance), formatThousands(cfg.ThresholdPoints))
+
+	now := timeNow()
+	sent := false
+	for _, channel := range channels {
+		if !channel.Enabled {
+			continue
+		}
+		if err := sendChannelMessage(channel, "余额告警", content); err != nil {
+			log.Printf("低余额告警推送失败 merchant=%d channel=%d: %v", merchantID, channel.ID, err)
+			continue
+		}
+		sent = true
 	}
-	raw, _ := json.Marshal(payload)
-	client := &http.Client{Timeout: 10 * time.Second}
-	resp, err := client.Post(cfg.WebhookURL, "application/json", bytes.NewReader(raw))
+	// 至少一个渠道推送成功才推进通知状态，避免失败时漏掉后续重试
+	if sent {
+		cfg.NotificationCount++
+		cfg.LastNotifiedAt = &now
+		_ = s.db.Model(&cfg).Updates(map[string]interface{}{
+			"notification_count": cfg.NotificationCount,
+			"last_notified_at":   now,
+		}).Error
+	}
+}
+
+// formatThousands 千分位格式化数字，便于告警文案阅读。
+func formatThousands(n int64) string {
+	neg := n < 0
+	if neg {
+		n = -n
+	}
+	digits := strconv.FormatInt(n, 10)
+	var buf []byte
+	for i, c := range digits {
+		if i > 0 && (len(digits)-i)%3 == 0 {
+			buf = append(buf, ',')
+		}
+		buf = append(buf, byte(c))
+	}
+	if neg {
+		return "-" + string(buf)
+	}
+	return string(buf)
+}
+
+// sendChannelMessage 按渠道类型组装并推送消息。
+func sendChannelMessage(channel model.AlertNotifyChannel, title, content string) error {
+	var (
+		url     string
+		payload []byte
+		client  = &http.Client{Timeout: 10 * time.Second}
+	)
+	switch channel.ChannelType {
+	case model.AlertChannelDingtalk:
+		url = channel.Config.WebhookURL
+		payload, _ = json.Marshal(map[string]interface{}{
+			"msgtype": "text",
+			"text":    map[string]string{"content": content},
+		})
+	case model.AlertChannelFeishu:
+		url = channel.Config.WebhookURL
+		payload, _ = json.Marshal(map[string]interface{}{
+			"msg_type": "text",
+			"content":  map[string]string{"text": content},
+		})
+	case model.AlertChannelWecom:
+		url = channel.Config.WebhookURL
+		payload, _ = json.Marshal(map[string]interface{}{
+			"msgtype": "text",
+			"text":    map[string]string{"content": content},
+		})
+	case model.AlertChannelBark:
+		server := strings.TrimRight(channel.Config.Server, "/")
+		if server == "" {
+			server = "https://api.day.app"
+		}
+		url = server + "/push"
+		payload, _ = json.Marshal(map[string]string{
+			"device_key": channel.Config.Key,
+			"title":      title,
+			"body":       content,
+		})
+	case model.AlertChannelWebhook:
+		url = channel.Config.WebhookURL
+		payload, _ = json.Marshal(map[string]string{
+			"title":   title,
+			"content": content,
+		})
+	default:
+		return errors.New("不支持的渠道类型")
+	}
+
+	resp, err := client.Post(url, "application/json", bytes.NewReader(payload))
 	if err != nil {
-		log.Printf("低余额告警推送失败 merchant=%d: %v", merchantID, err)
-		return
+		return err
 	}
 	defer resp.Body.Close()
 	if resp.StatusCode < 200 || resp.StatusCode >= 300 {
-		log.Printf("低余额告警推送非 2xx merchant=%d status=%d", merchantID, resp.StatusCode)
+		body, _ := io.ReadAll(io.LimitReader(resp.Body, 1024))
+		return fmt.Errorf("推送返回非 2xx 状态码 %d：%s", resp.StatusCode, string(body))
 	}
+	return nil
 }
 
 // SaveUploadFile 保存上传的图片到 uploadDir，返回可通过 /uploads 访问的 URL。

backend/internal/service/recharge_test.go

@@ -1,10 +1,16 @@
 package service
 
 import (
+	"encoding/json"
+	"net/http"
+	"net/http/httptest"
 	"strings"
 	"testing"
+	"time"
 
 	"affiliate_dash/internal/model"
+
+	"github.com/google/uuid"
 )
 
 func TestCreateRechargeRequiresVoucher(t *testing.T) {
@@ -93,6 +99,238 @@ func TestReviewRechargeCreditsWalletOnce(t *testing.T) {
 	}
 }
 
+func TestAlertChannelCRUD(t *testing.T) {
+	db := newServiceTestDB(t)
+	merchantID, _ := seedFulfillmentMerchant(t, db, "merchant-alert-channel", 0, -1, 100)
+	svc := NewRechargeService(db, NewFulfillmentService(db, nil), t.TempDir())
+
+	// 非法渠道类型
+	if _, err := svc.CreateAlertChannel(merchantID, AlertChannelInput{ChannelType: "sms", Name: "短信"}); err == nil {
+		t.Fatalf("invalid channel type should be rejected")
+	}
+	// 缺少 webhook url
+	if _, err := svc.CreateAlertChannel(merchantID, AlertChannelInput{ChannelType: model.AlertChannelDingtalk}); err == nil || !strings.Contains(err.Error(), "Webhook URL") {
+		t.Fatalf("missing webhook url should be rejected, got %v", err)
+	}
+
+	dingtalk, err := svc.CreateAlertChannel(merchantID, AlertChannelInput{
+		ChannelType: model.AlertChannelDingtalk,
+		Name:        "财务群",
+		Enabled:     true,
+		Config:      model.AlertChannelConfig{WebhookURL: "https://oapi.dingtalk.com/robot/send?access_token=test"},
+	})
+	if err != nil {
+		t.Fatalf("create dingtalk channel: %v", err)
+	}
+	bark, err := svc.CreateAlertChannel(merchantID, AlertChannelInput{
+		ChannelType: model.AlertChannelBark,
+		Name:        "老板手机",
+		Enabled:     true,
+		Config:      model.AlertChannelConfig{Server: "https://api.day.app", Key: "abc123"},
+	})
+	if err != nil {
+		t.Fatalf("create bark channel: %v", err)
+	}
+	if bark.Config.Key != "abc123" {
+		t.Fatalf("bark config should persist, got %+v", bark.Config)
+	}
+
+	// 跨商户隔离
+	otherMerchant, _ := seedFulfillmentMerchant(t, db, "merchant-alert-channel-other", 0, -1, 100)
+	if _, err := svc.UpdateAlertChannel(otherMerchant, dingtalk.ID, AlertChannelInput{
+		ChannelType: model.AlertChannelDingtalk,
+		Config:      model.AlertChannelConfig{WebhookURL: "https://oapi.dingtalk.com/robot/send?access_token=hack"},
+	}); err == nil {
+		t.Fatalf("other merchant should not update channel")
+	}
+	if err := svc.DeleteAlertChannel(otherMerchant, dingtalk.ID); err != nil {
+		t.Fatalf("other merchant delete should not error (no-op): %v", err)
+	}
+	list, err := svc.ListAlertChannels(merchantID)
+	if err != nil || len(list) != 2 {
+		t.Fatalf("expected 2 channels, got %d, err=%v", len(list), err)
+	}
+}
+
+func TestSendChannelMessagePayload(t *testing.T) {
+	got := make(chan map[string]interface{}, 1)
+	srv := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
+		var body map[string]interface{}
+		_ = json.NewDecoder(r.Body).Decode(&body)
+		got <- body
+		w.WriteHeader(http.StatusOK)
+	}))
+	defer srv.Close()
+
+	// 钉钉格式
+	channel := model.AlertNotifyChannel{ChannelType: model.AlertChannelDingtalk, Config: model.AlertChannelConfig{WebhookURL: srv.URL}}
+	if err := sendChannelMessage(channel, "余额告警", "内容"); err != nil {
+		t.Fatalf("send dingtalk: %v", err)
+	}
+	body := <-got
+	if body["msgtype"] != "text" || body["text"].(map[string]interface{})["content"] != "内容" {
+		t.Fatalf("unexpected dingtalk payload: %+v", body)
+	}
+
+	// 飞书格式
+	channel = model.AlertNotifyChannel{ChannelType: model.AlertChannelFeishu, Config: model.AlertChannelConfig{WebhookURL: srv.URL}}
+	if err := sendChannelMessage(channel, "余额告警", "内容"); err != nil {
+		t.Fatalf("send feishu: %v", err)
+	}
+	body = <-got
+	if body["msg_type"] != "text" || body["content"].(map[string]interface{})["text"] != "内容" {
+		t.Fatalf("unexpected feishu payload: %+v", body)
+	}
+
+	// Bark 格式（服务器为空时使用默认服务器会请求外部网络，这里显式指定测试服务器）
+	channel = model.AlertNotifyChannel{ChannelType: model.AlertChannelBark, Config: model.AlertChannelConfig{Server: srv.URL, Key: "device-1"}}
+	if err := sendChannelMessage(channel, "标题", "内容"); err != nil {
+		t.Fatalf("send bark: %v", err)
+	}
+	body = <-got
+	if body["device_key"] != "device-1" || body["title"] != "标题" || body["body"] != "内容" {
+		t.Fatalf("unexpected bark payload: %+v", body)
+	}
+}
+
+func TestAlertNotificationPolicy(t *testing.T) {
+	db := newServiceTestDB(t)
+	merchantID, _ := seedFulfillmentMerchant(t, db, "merchant-alert-policy", 0, -1, 100)
+	fulfillment := NewFulfillmentService(db, nil)
+	svc := NewRechargeService(db, fulfillment, t.TempDir())
+
+	notified := make(chan struct{}, 16)
+	srv := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
+		notified <- struct{}{}
+		w.WriteHeader(http.StatusOK)
+	}))
+	defer srv.Close()
+
+	if _, err := svc.CreateAlertChannel(merchantID, AlertChannelInput{
+		ChannelType: model.AlertChannelWebhook,
+		Name:        "测试",
+		Enabled:     true,
+		Config:      model.AlertChannelConfig{WebhookURL: srv.URL},
+	}); err != nil {
+		t.Fatalf("create channel: %v", err)
+	}
+	if _, err := svc.SaveAlertConfig(merchantID, SaveAlertInput{
+		Enabled:               true,
+		ThresholdPoints:       100,
+		NotifyIntervalMinutes: 30,
+		MaxNotifications:      3,
+	}); err != nil {
+		t.Fatalf("save alert config: %v", err)
+	}
+
+	// 固定时间基线，逐步推进
+	base := time.Date(2026, 8, 4, 10, 0, 0, 0, time.Local)
+	advance := func(d time.Duration) {
+		timeNow = func() time.Time { return base.Add(d) }
+	}
+	t.Cleanup(func() { timeNow = time.Now })
+	advance(0)
+
+	// 余额 0 < 阈值 100：第一次触发 → 通知 1 次
+	svc.CheckLowBalanceAndNotify(merchantID)
+	select {
+	case <-notified:
+	default:
+		t.Fatalf("first check should notify")
+	}
+
+	// 10 分钟后仍在间隔内 → 不通知
+	advance(10 * time.Minute)
+	svc.CheckLowBalanceAndNotify(merchantID)
+	select {
+	case <-notified:
+		t.Fatalf("within interval should not notify")
+	default:
+	}
+
+	// 31 分钟后超出间隔 → 第二次通知
+	advance(31 * time.Minute)
+	svc.CheckLowBalanceAndNotify(merchantID)
+	select {
+	case <-notified:
+	default:
+		t.Fatalf("after interval should notify")
+	}
+
+	// 61 分钟 → 第三次通知
+	advance(61 * time.Minute)
+	svc.CheckLowBalanceAndNotify(merchantID)
+	select {
+	case <-notified:
+	default:
+		t.Fatalf("third notification expected")
+	}
+
+	// 91 分钟 → 已达最大次数 3，不再通知
+	advance(91 * time.Minute)
+	svc.CheckLowBalanceAndNotify(merchantID)
+	select {
+	case <-notified:
+		t.Fatalf("max notifications reached, should stop")
+	default:
+	}
+
+	// 充值恢复余额 ≥ 阈值 → 重置计数
+	if _, err := fulfillment.AdjustWallet(WalletAdjustInput{
+		MerchantID:     merchantID,
+		ActorUserID:    1,
+		Amount:         500,
+		IdempotencyKey: "recover-" + uuid.NewString(),
+	}); err != nil {
+		t.Fatalf("adjust wallet: %v", err)
+	}
+	advance(92 * time.Minute)
+	svc.CheckLowBalanceAndNotify(merchantID)
+	var cfg model.MerchantAlertConfig
+	if err := db.Where("merchant_id = ?", merchantID).First(&cfg).Error; err != nil {
+		t.Fatalf("query config: %v", err)
+	}
+	if cfg.NotificationCount != 0 || cfg.LastNotifiedAt != nil {
+		t.Fatalf("recovery should reset notification state, got count=%d", cfg.NotificationCount)
+	}
+
+	// 又扣回低余额 → 重新开始新一轮通知
+	if _, err := fulfillment.AdjustWallet(WalletAdjustInput{
+		MerchantID:     merchantID,
+		ActorUserID:    1,
+		Amount:         -500,
+		IdempotencyKey: "down-" + uuid.NewString(),
+	}); err != nil {
+		t.Fatalf("adjust wallet down: %v", err)
+	}
+	advance(93 * time.Minute)
+	svc.CheckLowBalanceAndNotify(merchantID)
+	select {
+	case <-notified:
+	default:
+		t.Fatalf("new round should notify again")
+	}
+}
+
+func TestFormatThousands(t *testing.T) {
+	cases := []struct {
+		in   int64
+		want string
+	}{
+		{0, "0"},
+		{999, "999"},
+		{1000, "1,000"},
+		{990, "990"},
+		{1234567, "1,234,567"},
+		{-1234567, "-1,234,567"},
+	}
+	for _, tc := range cases {
+		if got := formatThousands(tc.in); got != tc.want {
+			t.Fatalf("formatThousands(%d) = %q, want %q", tc.in, got, tc.want)
+		}
+	}
+}
+
 func TestDetectImageExt(t *testing.T) {
 	cases := []struct {
 		name string

frontend/src/App.tsx

@@ -10,6 +10,7 @@ import ApiDebugger from './pages/ApiDebugger'
 import Delivery from './pages/Delivery'
 import MerchantCenter from './pages/MerchantCenter'
 import MerchantRecharge from './pages/MerchantRecharge'
+import AlertSettings from './pages/AlertSettings'
 import PlatformMerchants from './pages/PlatformMerchants'
 import type { ReactNode } from 'react'
 function PrivateRoute({ children }: { children: ReactNode }) {
@@ -43,6 +44,7 @@ function AppRoutes() {
         <Route path="merchant-orders" element={<MerchantCenter fixedTab="orders" title="发货订单" />} />
         <Route path="merchant-wallet" element={<MerchantCenter fixedTab="wallet" title="积分明细" />} />
         <Route path="merchant-recharge" element={<MerchantRecharge />} />
+        <Route path="merchant-alert-settings" element={<AlertSettings />} />
         <Route path="merchant-members" element={<MerchantCenter fixedTab="members" title="成员" />} />
         <Route path="merchant-callbacks" element={<MerchantCenter fixedTab="callbacks" title="回调" />} />
         <Route path="merchant-api-keys" element={<MerchantCenter fixedTab="api" title="API 密钥" />} />

frontend/src/api/index.ts

@@ -1,6 +1,8 @@
 import request from './request'
 import type {
   DashboardStats,
+  AlertChannelInput,
+  AlertNotifyChannel,
   ApiClient,
   ApiCredential,
   CallbackCredential,
@@ -108,8 +110,18 @@ export const merchantApi = {
     request.post('/merchant/recharge/applications', data).then((r) => r.data.data as RechargeApplication),
   alertConfig: () =>
     request.get('/merchant/recharge/alert-config').then((r) => r.data.data as LowBalanceAlertConfig),
-  saveAlertConfig: (data: LowBalanceAlertConfig) =>
+  saveAlertConfig: (data: { enabled: boolean; threshold_points: number; notify_interval_minutes: number; max_notifications: number }) =>
     request.put('/merchant/recharge/alert-config', data).then((r) => r.data.data as LowBalanceAlertConfig),
+  alertChannels: () =>
+    request.get('/merchant/alert-channels').then((r) => r.data.data as AlertNotifyChannel[]),
+  createAlertChannel: (data: AlertChannelInput) =>
+    request.post('/merchant/alert-channels', data).then((r) => r.data.data as AlertNotifyChannel),
+  updateAlertChannel: (id: number, data: AlertChannelInput) =>
+    request.put(`/merchant/alert-channels/${id}`, data).then((r) => r.data.data as AlertNotifyChannel),
+  deleteAlertChannel: (id: number) =>
+    request.delete(`/merchant/alert-channels/${id}`).then((r) => r.data.data),
+  testAlertChannel: (id: number) =>
+    request.post(`/merchant/alert-channels/${id}/test`).then((r) => r.data.data),
 }
 
 export const uploadApi = {

frontend/src/layouts/MainLayout.tsx

@@ -85,6 +85,7 @@ const adminSections: SidebarSection[] = [
     children: [
       { key: 'merchant-wallet', label: '积分明细', path: '/merchant-wallet' },
       { key: 'merchant-recharge', label: '积分充值', path: '/merchant-recharge' },
+      { key: 'merchant-alert-settings', label: '余额告警', path: '/merchant-alert-settings' },
     ],
   },
   {
@@ -126,6 +127,7 @@ const merchantSections: SidebarSection[] = [
     children: [
       { key: 'merchant-wallet', label: '积分明细', path: '/merchant-wallet' },
       { key: 'merchant-recharge', label: '积分充值', path: '/merchant-recharge' },
+      { key: 'merchant-alert-settings', label: '余额告警', path: '/merchant-alert-settings' },
     ],
   },
   {
@@ -151,6 +153,7 @@ function getSelectedKey(pathname: string, search: string) {
   if (pathname.startsWith('/merchant-orders')) return 'fulfillment-orders'
   if (pathname.startsWith('/merchant-wallet')) return 'merchant-wallet'
   if (pathname.startsWith('/merchant-recharge')) return 'merchant-recharge'
+  if (pathname.startsWith('/merchant-alert-settings')) return 'merchant-alert-settings'
   if (pathname.startsWith('/merchant-members')) return 'merchant-members'
   if (pathname.startsWith('/merchant-callbacks')) return 'api-callbacks'
   if (pathname.startsWith('/merchant-api-keys')) return 'api-keys'

frontend/src/pages/AlertSettings.tsx

@@ -0,0 +1,441 @@
+import { useCallback, useEffect, useState } from 'react'
+import {
+  Button,
+  Card,
+  Form,
+  Input,
+  InputNumber,
+  Modal,
+  Popconfirm,
+  Select,
+  Space,
+  Switch,
+  Table,
+  Tag,
+  Typography,
+  message,
+} from 'antd'
+import {
+  BellOutlined,
+  PlusOutlined,
+  ReloadOutlined,
+  SendOutlined,
+} from '@ant-design/icons'
+import type { ColumnsType } from 'antd/es/table'
+import { PageHeader } from '../components/PageHeader'
+import { merchantApi } from '../api'
+import { formatDateTime } from '../utils/time'
+import type { AlertChannelType, AlertNotifyChannel, LowBalanceAlertConfig, WalletAccount } from '../types'
+
+const channelOptions: { value: AlertChannelType; label: string; placeholder: string }[] = [
+  { value: 'dingtalk', label: '钉钉机器人', placeholder: 'https://oapi.dingtalk.com/robot/send?access_token=...' },
+  { value: 'feishu', label: '飞书机器人', placeholder: 'https://open.feishu.cn/open-apis/bot/v2/hook/...' },
+  { value: 'wecom', label: '企业微信机器人', placeholder: 'https://qyapi.weixin.qq.com/cgi-bin/webhook/send?key=...' },
+  { value: 'bark', label: 'Bark（iOS）', placeholder: '' },
+  { value: 'webhook', label: '通用 Webhook', placeholder: 'https://your-server.com/notify' },
+]
+
+const channelConfigMap: Record<string, { label: string; color: string; icon: string }> = {
+  dingtalk: { label: '钉钉机器人', color: '#0284c7', icon: '✉️' },
+  feishu: { label: '飞书机器人', color: '#0ea5e9', icon: '🚀' },
+  wecom: { label: '企业微信机器人', color: '#16a34a', icon: '💼' },
+  bark: { label: 'Bark (iOS)', color: '#7c3aed', icon: '📱' },
+  webhook: { label: '通用 Webhook', color: '#475569', icon: '🔗' },
+}
+
+const { Text } = Typography
+
+function configSummary(record: AlertNotifyChannel) {
+  const cfg = record.config || {}
+  if (record.channel_type === 'bark') {
+    return `${cfg.server || 'https://api.day.app'}/${cfg.key || '-'}`
+  }
+  return cfg.webhook_url || '-'
+}
+
+export default function AlertSettings() {
+  const [channels, setChannels] = useState<AlertNotifyChannel[]>([])
+  const [wallet, setWallet] = useState<WalletAccount | null>(null)
+  const [alertConfig, setAlertConfig] = useState<LowBalanceAlertConfig | null>(null)
+  const [loading, setLoading] = useState(false)
+  const [alertForm] = Form.useForm()
+  const [channelForm] = Form.useForm()
+  const [channelOpen, setChannelOpen] = useState(false)
+  const [editingChannel, setEditingChannel] = useState<AlertNotifyChannel | null>(null)
+  const [saving, setSaving] = useState(false)
+
+  const loadAll = useCallback(async () => {
+    setLoading(true)
+    try {
+      const [configData, channelData] = await Promise.all([
+        merchantApi.alertConfig(),
+        merchantApi.alertChannels(),
+      ])
+      setChannels(channelData || [])
+      setAlertConfig(configData)
+      alertForm.setFieldsValue({
+        enabled: configData.enabled,
+        threshold_points: configData.threshold_points,
+        notify_interval_minutes: configData.notify_interval_minutes || 60,
+        max_notifications: configData.max_notifications ?? 5,
+      })
+      merchantApi.wallet().then(setWallet).catch(() => setWallet(null))
+    } catch (e) {
+      message.error(e instanceof Error ? e.message : '加载失败')
+    } finally {
+      setLoading(false)
+    }
+  }, [alertForm])
+
+  useEffect(() => {
+    loadAll()
+  }, [loadAll])
+
+  const handleSaveConfig = async () => {
+    try {
+      const values = await alertForm.validateFields()
+      await merchantApi.saveAlertConfig({
+        enabled: values.enabled,
+        threshold_points: Number(values.threshold_points),
+        notify_interval_minutes: Number(values.notify_interval_minutes),
+        max_notifications: Number(values.max_notifications),
+      })
+      message.success('告警阈值设置已保存')
+      loadAll()
+    } catch (e) {
+      if (e instanceof Error) {
+        message.error(e.message)
+      }
+    }
+  }
+
+  const openCreate = () => {
+    setEditingChannel(null)
+    channelForm.resetFields()
+    channelForm.setFieldsValue({ channel_type: 'dingtalk', enabled: true })
+    setChannelOpen(true)
+  }
+
+  const openEdit = (record: AlertNotifyChannel) => {
+    setEditingChannel(record)
+    channelForm.resetFields()
+    channelForm.setFieldsValue({
+      channel_type: record.channel_type,
+      name: record.name,
+      webhook_url: record.config?.webhook_url,
+      server: record.config?.server,
+      key: record.config?.key,
+      enabled: record.enabled,
+    })
+    setChannelOpen(true)
+  }
+
+  const submitChannel = async () => {
+    try {
+      const values = await channelForm.validateFields()
+      setSaving(true)
+      const payload = {
+        channel_type: values.channel_type,
+        name: values.name,
+        webhook_url: values.webhook_url,
+        server: values.server,
+        key: values.key,
+        enabled: values.enabled,
+      }
+      if (editingChannel) {
+        await merchantApi.updateAlertChannel(editingChannel.id, payload)
+        message.success('通知渠道已更新')
+      } else {
+        await merchantApi.createAlertChannel(payload)
+        message.success('通知渠道已添加')
+      }
+      setChannelOpen(false)
+      loadAll()
+    } catch (e) {
+      if (e instanceof Error) {
+        message.error(e.message)
+      }
+    } finally {
+      setSaving(false)
+    }
+  }
+
+  const deleteChannel = async (record: AlertNotifyChannel) => {
+    try {
+      await merchantApi.deleteAlertChannel(record.id)
+      message.success('通知渠道已删除')
+      loadAll()
+    } catch (e) {
+      message.error(e instanceof Error ? e.message : '删除失败')
+    }
+  }
+
+  const testChannel = async (record: AlertNotifyChannel) => {
+    try {
+      await merchantApi.testAlertChannel(record.id)
+      message.success('测试消息已发送，请检查接收端')
+    } catch (e) {
+      message.error(e instanceof Error ? e.message : '发送失败')
+    }
+  }
+
+  const columns: ColumnsType<AlertNotifyChannel> = [
+    {
+      title: '渠道类型',
+      dataIndex: 'channel_type',
+      width: 160,
+      render: (v: string) => {
+        const item = channelConfigMap[v] || { label: v, color: '#475569', icon: '🔔' }
+        return (
+          <Tag
+            style={{
+              borderRadius: 6,
+              padding: '2px 10px',
+              fontWeight: 600,
+              border: `1px solid ${item.color}30`,
+              background: `${item.color}10`,
+              color: item.color,
+              fontSize: 12.5,
+              margin: 0,
+            }}
+          >
+            {item.icon} {item.label}
+          </Tag>
+        )
+      },
+    },
+    {
+      title: '渠道名称',
+      dataIndex: 'name',
+      width: 180,
+      render: (v) => <span style={{ fontWeight: 600, color: '#0f172a' }}>{v || '默认接收组'}</span>,
+    },
+    {
+      title: '通知地址 / 密钥配置',
+      dataIndex: 'config',
+      width: 420,
+      ellipsis: true,
+      render: (_, record) => {
+        const text = configSummary(record)
+        return text !== '-' ? (
+          <Text code copyable={{ text }} ellipsis style={{ maxWidth: '100%' }}>
+            {text}
+          </Text>
+        ) : (
+          '-'
+        )
+      },
+    },
+    {
+      title: '状态',
+      dataIndex: 'enabled',
+      width: 110,
+      render: (v: boolean) =>
+        v ? (
+          <span className="status-tag status-tag--green">
+            <span className="status-dot"></span>
+            已启用
+          </span>
+        ) : (
+          <span className="status-tag status-tag--gray">
+            <span className="status-dot"></span>
+            已停用
+          </span>
+        ),
+    },
+    {
+      title: '操作',
+      key: 'action',
+      width: 200,
+      fixed: 'right',
+      render: (_, record) => (
+        <Space size={0}>
+          <Button
+            type="link"
+            size="small"
+            icon={<SendOutlined />}
+            onClick={() => testChannel(record)}
+          >
+            测试
+          </Button>
+          <Button type="link" size="small" onClick={() => openEdit(record)}>
+            编辑
+          </Button>
+          <Popconfirm
+            title="删除该通知渠道？"
+            onConfirm={() => deleteChannel(record)}
+            okText="删除"
+            okButtonProps={{ danger: true }}
+          >
+            <Button type="link" size="small" danger>
+              删除
+            </Button>
+          </Popconfirm>
+        </Space>
+      ),
+    },
+  ]
+
+  const channelType = Form.useWatch('channel_type', channelForm)
+
+  return (
+    <div>
+      <PageHeader
+        title="余额告警设置"
+        subtitle="设置低余额预警阈值，配置钉钉 / 飞书 / 企业微信 / Bark 等通知渠道"
+        breadcrumbs={[{ title: '积分管理' }, { title: '余额告警' }]}
+        extra={
+          <Button icon={<ReloadOutlined />} loading={loading} onClick={loadAll}>
+            刷新
+          </Button>
+        }
+      />
+
+      <Space direction="vertical" style={{ width: '100%' }} size="large">
+        <Card
+          size="small"
+          style={{ background: '#ffffff', border: '1px solid #e2e8f0', borderRadius: 10 }}
+          title={
+            <Space size={8}>
+              <BellOutlined style={{ color: '#2563eb', fontSize: 16 }} />
+              <span style={{ fontWeight: 700, color: '#0f172a' }}>预警阈值设置</span>
+            </Space>
+          }
+        >
+          <Form form={alertForm} layout="vertical" style={{ padding: '8px 4px 0' }}>
+            <div style={{ display: 'flex', flexWrap: 'wrap', gap: 24, alignItems: 'center' }}>
+              <div style={{ minWidth: 200 }}>
+                <Text type="secondary" style={{ fontSize: 12 }}>当前账户积分余额</Text>
+                <div style={{ fontSize: 24, fontWeight: 800, color: '#16a34a', marginTop: 2 }}>
+                  {wallet === null ? '-' : wallet.available_balance.toLocaleString('zh-CN')}
+                  <span style={{ fontSize: 13, color: '#64748b', fontWeight: 500, marginLeft: 4 }}>积分</span>
+                </div>
+              </div>
+
+              <Form.Item name="enabled" label="启用告警" valuePropName="checked" style={{ marginBottom: 0 }}>
+                <Switch checkedChildren="开" unCheckedChildren="关" />
+              </Form.Item>
+
+              <Form.Item
+                name="threshold_points"
+                label="低于多少积分提醒"
+                rules={[{ required: true, message: '请填写预警阈值' }]}
+                style={{ marginBottom: 0, minWidth: 240 }}
+              >
+                <InputNumber<number> min={0} step={100000} addonAfter="积分" style={{ width: '100%' }} />
+              </Form.Item>
+
+              <Form.Item
+                name="notify_interval_minutes"
+                label="通知间隔"
+                rules={[{ required: true, message: '请填写通知间隔' }]}
+                style={{ marginBottom: 0, minWidth: 180 }}
+              >
+                <InputNumber<number> min={1} precision={0} addonAfter="分钟" style={{ width: '100%' }} />
+              </Form.Item>
+
+              <Form.Item
+                name="max_notifications"
+                label="最大通知次数"
+                rules={[{ required: true, message: '请填写最大通知次数' }]}
+                tooltip="余额低于阈值期间最多通知几次，0 表示不限"
+                style={{ marginBottom: 0, minWidth: 160 }}
+              >
+                <InputNumber<number> min={0} precision={0} addonAfter="次" style={{ width: '100%' }} />
+              </Form.Item>
+
+              <div style={{ alignSelf: 'flex-end', marginBottom: 0 }}>
+                <Button type="primary" onClick={handleSaveConfig}>
+                  保存设置
+                </Button>
+              </div>
+            </div>
+            <div style={{ marginTop: 14, paddingTop: 12, borderTop: '1px dashed #e2e8f0' }}>
+              <Text type="secondary" style={{ fontSize: 12 }}>
+                提示：余额低于设定阈值时开始告警，之后按"通知间隔"重复提醒，达到"最大通知次数"后停止；余额恢复到阈值以上后自动重置计数，重新开始新一轮告警。
+              </Text>
+              {alertConfig?.last_notified_at && (
+                <div style={{ marginTop: 6 }}>
+                  <Text type="secondary" style={{ fontSize: 12 }}>
+                    最近通知：{formatDateTime(alertConfig.last_notified_at)} · 本轮已通知 {alertConfig.notification_count ?? 0} 次
+                    {alertConfig.max_notifications > 0 && ` / 最多 ${alertConfig.max_notifications} 次`}
+                  </Text>
+                </div>
+              )}
+            </div>
+          </Form>
+        </Card>
+
+        <Card
+          size="small"
+          style={{ background: '#ffffff', border: '1px solid #e2e8f0', borderRadius: 10 }}
+          title={
+            <div style={{ display: 'flex', alignItems: 'center', justifyContent: 'space-between' }}>
+              <span style={{ fontWeight: 700, color: '#0f172a' }}>通知渠道列表（{channels.length}）</span>
+              <Button type="primary" icon={<PlusOutlined />} onClick={openCreate}>
+                添加渠道
+              </Button>
+            </div>
+          }
+        >
+          <Table
+            rowKey="id"
+            loading={loading}
+            columns={columns}
+            dataSource={channels}
+            scroll={{ x: 1100 }}
+            pagination={false}
+          />
+          <div style={{ marginTop: 12, padding: '4px 0' }}>
+            <Text type="secondary" style={{ fontSize: 12 }}>
+              支持钉钉 / 飞书 / 企业微信群机器人 Webhook、Bark（iOS 推送）与自定义 Webhook。添加后建议点击“测试”验证连通性。
+            </Text>
+          </div>
+        </Card>
+      </Space>
+
+      <Modal
+        title={editingChannel ? '编辑通知渠道' : '添加通知渠道'}
+        open={channelOpen}
+        onOk={submitChannel}
+        onCancel={() => setChannelOpen(false)}
+        destroyOnClose
+        width={560}
+        confirmLoading={saving}
+      >
+        <Form form={channelForm} layout="vertical" style={{ marginTop: 16 }}>
+          <Form.Item name="channel_type" label="渠道类型" rules={[{ required: true }]}>
+            <Select options={channelOptions.map(({ value, label }) => ({ value, label }))} />
+          </Form.Item>
+          <Form.Item name="name" label="名称（可选）" rules={[{ max: 64 }]}>
+            <Input placeholder="如：财务群 / 老板手机" maxLength={64} />
+          </Form.Item>
+
+          {channelType === 'bark' ? (
+            <>
+              <Form.Item name="server" label="Bark 服务器地址（可选）">
+                <Input placeholder="https://api.day.app（默认官方服务器）" />
+              </Form.Item>
+              <Form.Item name="key" label="Bark 设备 Key" rules={[{ required: true, message: '请填写 Bark 设备 Key' }]}>
+                <Input placeholder="安装 Bark 后生成的设备 Key" />
+              </Form.Item>
+            </>
+          ) : (
+            <Form.Item
+              name="webhook_url"
+              label="Webhook URL"
+              rules={[{ required: true, message: '请填写 Webhook URL' }]}
+            >
+              <Input placeholder={channelOptions.find((item) => item.value === channelType)?.placeholder} />
+            </Form.Item>
+          )}
+
+          <Form.Item name="enabled" label="启用状态" valuePropName="checked">
+            <Switch checkedChildren="开" unCheckedChildren="关" />
+          </Form.Item>
+        </Form>
+      </Modal>
+    </div>
+  )
+}
+

frontend/src/pages/MerchantRecharge.tsx

@@ -12,14 +12,12 @@ import {
   Popconfirm,
   Select,
   Space,
-  Switch,
   Table,
   Tag,
   Typography,
   message,
 } from 'antd'
 import {
-  BellOutlined,
   CheckCircleOutlined,
   CloseCircleOutlined,
   EyeOutlined,
@@ -31,17 +29,15 @@ import { PageHeader } from '../components/PageHeader'
 import ImageUploader from '../components/ImageUploader'
 import { merchantApi, platformApi } from '../api'
 import { useAuth } from '../store/auth'
-import type { LowBalanceAlertConfig, PageResult, RechargeApplication, WalletAccount } from '../types'
+import type { PageResult, RechargeApplication } from '../types'
 import { formatDateTime } from '../utils/time'
 
 const { Text } = Typography
 
 export default function MerchantRecharge() {
   const { isAdmin } = useAuth()
-  const [wallet, setWallet] = useState<WalletAccount | null>(null)
   const [applications, setApplications] = useState<PageResult<RechargeApplication>>({ list: [], total: 0, page: 1, size: 10 })
   const [loading, setLoading] = useState(false)
-  const [alertForm] = Form.useForm()
   const [filterForm] = Form.useForm()
   const [createForm] = Form.useForm()
   const [reviewForm] = Form.useForm()
@@ -54,8 +50,6 @@ export default function MerchantRecharge() {
 
   const [filterParams, setFilterParams] = useState<{ no?: string; status?: string }>({})
 
-  const currentPointsBalance = wallet?.available_balance
-
   const filteredList = useMemo(() => {
     if (!filterParams.no) {
       return applications.list
@@ -77,45 +71,9 @@ export default function MerchantRecharge() {
     }
   }, [applications.page, applications.size, filterParams, isAdmin])
 
-  const loadAlertConfig = useCallback(async () => {
-    try {
-      const data = await merchantApi.alertConfig()
-      alertForm.setFieldsValue(data)
-    } catch (e) {
-      message.error(e instanceof Error ? e.message : '告警配置加载失败')
-    }
-  }, [alertForm])
-
-  const loadWallet = useCallback(async () => {
-    try {
-      setWallet(await merchantApi.wallet())
-    } catch {
-      // 钱包不可用时静默降级
-    }
-  }, [])
-
   useEffect(() => {
     loadApplications()
-    loadAlertConfig()
-    loadWallet()
-  }, [loadAlertConfig, loadApplications, loadWallet])
-
-  const handleSaveAlertConfig = async () => {
-    try {
-      const values = await alertForm.validateFields()
-      const newConfig: LowBalanceAlertConfig = {
-        enabled: values.enabled,
-        threshold_points: values.threshold_points,
-        webhook_url: values.webhook_url,
-      }
-      await merchantApi.saveAlertConfig(newConfig)
-      message.success('低余额告警设置已更新')
-    } catch (e) {
-      if (e instanceof Error) {
-        message.error(e.message)
-      }
-    }
-  }
+  }, [loadApplications])
 
   const handleFilterSubmit = (values: { no?: string; status?: string }) => {
     const params = {
@@ -176,7 +134,6 @@ export default function MerchantRecharge() {
       setReviewItem(null)
       reviewForm.resetFields()
       loadApplications()
-      loadWallet()
     } catch (e) {
       message.error(e instanceof Error ? e.message : '审核失败')
     } finally {
@@ -335,7 +292,7 @@ export default function MerchantRecharge() {
     <div>
       <PageHeader
         title="积分购买与充值"
-        subtitle="提交人民币额度充值申请（需上传打款凭证）、查看入账记录及配置低余额 Webhook 自动化告警"
+        subtitle="提交人民币额度充值申请（需上传打款凭证）、查看入账记录"
         breadcrumbs={[{ title: '积分管理' }, { title: '积分充值' }]}
         extra={
           <Button icon={<ReloadOutlined />} onClick={() => loadApplications()}>
@@ -345,74 +302,6 @@ export default function MerchantRecharge() {
       />
 
       <Space direction="vertical" style={{ width: '100%' }} size="large">
-        {/* 告警与通知配置面板 */}
-        <Card
-          size="small"
-          style={{ background: '#ffffff', border: '1px solid #e2e8f0', borderRadius: 10 }}
-          title={
-            <Space size={8}>
-              <BellOutlined style={{ color: '#2563eb', fontSize: 16 }} />
-              <span style={{ fontWeight: 700, color: '#0f172a' }}>余额告警与 Webhook 通知设置</span>
-            </Space>
-          }
-        >
-          <Form
-            form={alertForm}
-            layout="vertical"
-            style={{ padding: '4px 8px 0' }}
-          >
-            <div style={{ display: 'flex', flexWrap: 'wrap', gap: 24, alignItems: 'flex-start' }}>
-              <div style={{ flex: '0 0 200px' }}>
-                <Text type="secondary" style={{ fontSize: 12 }}>当前积分余额</Text>
-                <div style={{ fontSize: 22, fontWeight: 800, color: '#16a34a', marginTop: 2 }}>
-                  {currentPointsBalance === undefined ? '-' : currentPointsBalance.toLocaleString('zh-CN')} <span style={{ fontSize: 13, color: '#64748b', fontWeight: 500 }}>积分</span>
-                </div>
-              </div>
-
-              <Form.Item
-                name="enabled"
-                label="启用告警"
-                valuePropName="checked"
-                style={{ marginBottom: 12 }}
-              >
-                <Switch checkedChildren="开" unCheckedChildren="关" />
-              </Form.Item>
-
-              <Form.Item
-                name="threshold_points"
-                label="低于多少积分提醒"
-                rules={[{ required: true, message: '请填写预警阈值' }]}
-                style={{ marginBottom: 12, minWidth: 220 }}
-              >
-                <InputNumber<number>
-                  min={0}
-                  step={100000}
-                  addonAfter="积分"
-                  style={{ width: '100%' }}
-                />
-              </Form.Item>
-
-              <Form.Item
-                name="webhook_url"
-                label="告警 Webhook (钉钉/飞书机器人)"
-                rules={[{ required: true, message: '请填写 Webhook URL' }]}
-                style={{ marginBottom: 12, flex: 1, minWidth: 320 }}
-              >
-                <Input placeholder="https://oapi.dingtalk.com/robot/send?access_token=..." allowClear />
-              </Form.Item>
-
-              <div style={{ alignSelf: 'flex-end', marginBottom: 12 }}>
-                <Button type="primary" onClick={handleSaveAlertConfig}>
-                  保存设置
-                </Button>
-              </div>
-            </div>
-            <Typography.Text type="secondary" style={{ fontSize: 12 }}>
-              提示：告警机器人安全设置需包含关键词「余额」。当额度低于阈值时（充值入账/调账后触发），平台将以 JSON POST 发送通知至上述 URL。
-            </Typography.Text>
-          </Form>
-        </Card>
-
         {/* 申请记录表格 Card */}
         <Card
           size="small"

frontend/src/types/index.ts

@@ -273,4 +273,32 @@ export interface LowBalanceAlertConfig {
   enabled: boolean
   threshold_points: number
   webhook_url: string
+  notify_interval_minutes: number
+  max_notifications: number
+  last_notified_at?: string
+  notification_count: number
+}
+
+export type AlertChannelType = 'dingtalk' | 'feishu' | 'wecom' | 'bark' | 'webhook'
+
+export interface AlertNotifyChannel {
+  id: number
+  merchant_id: number
+  channel_type: AlertChannelType
+  name: string
+  config: {
+    webhook_url?: string
+    server?: string
+    key?: string
+  }
+  enabled: boolean
+}
+
+export interface AlertChannelInput {
+  channel_type: AlertChannelType
+  name?: string
+  webhook_url?: string
+  server?: string
+  key?: string
+  enabled: boolean
 }