支持微信支付宝独立支付渠道

backend/internal/modules/paymentconfig/backup.go

@@ -50,9 +50,7 @@ func (r *Repository) ExportBackup(ctx context.Context, actorID uint64, meta Audi
 	return backup, nil
 }
 
-// ImportBackup 导入支付配置备份，按 provider + merchant_id 更新或新增。
-
-// ImportBackup 导入支付配置备份，按 provider + merchant_id 更新或新增。
+// ImportBackup 导入支付配置备份，按 provider + merchant_id + pay_way 更新或新增。
 func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, actorID uint64, meta AuditMeta) (*ImportBackupResult, error) {
 	if backup.Type != "payment_config_backup" || backup.Version <= 0 {
 		return nil, ErrInvalidBackup
@@ -61,21 +59,22 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 		return nil, ErrEmptyBackup
 	}
 
-	activeKey := backupActiveKey(backup.Configs)
+	activeKeys := backupActiveKeys(backup.Configs)
 	result := &ImportBackupResult{Total: len(backup.Configs)}
 
 	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
-		if activeKey != "" {
-			if err := deactivateOtherConfigs(tx, 0, actorID); err != nil {
+		for payWay := range activeKeys {
+			if err := deactivateOtherConfigs(tx, 0, actorID, payWay); err != nil {
 				return err
 			}
 		}
 
 		for _, cfg := range backup.Configs {
-			req := importCreateRequest(cfg, activeKey)
+			req := importCreateRequest(cfg, activeKeys)
 			if err := r.validateCreateRequest(req); err != nil {
 				return err
 			}
+			payWay := firstNonEmpty(req.PayWay, "ZFBZF")
 
 			encryptedSignKey, err := r.encryptor.Encrypt(req.SignKey)
 			if err != nil {
@@ -93,7 +92,7 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 				"notify_key":    encryptedNotifyKey,
 				"notify_url":    req.NotifyURL,
 				"jump_url":      req.JumpURL,
-				"pay_way":       firstNonEmpty(req.PayWay, "ZFBZF"),
+				"pay_way":       payWay,
 				"jspay_flag":    firstNonEmpty(req.JSPayFlag, "2"),
 				"sign_type":     firstNonEmpty(req.SignType, defaultSignType(req.Provider)),
 				"extra_config":  model.JSONMap(req.ExtraConfig),
@@ -106,7 +105,7 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 
 			var existing model.PaymentMerchantConfig
 			err = tx.Clauses(clause.Locking{Strength: "UPDATE"}).
-				Where("provider = ? AND merchant_id = ?", req.Provider, req.MerchantID).
+				Where("provider = ? AND merchant_id = ? AND pay_way = ?", req.Provider, req.MerchantID, payWay).
 				First(&existing).Error
 			if err == nil {
 				if err := tx.Model(&existing).Updates(updates).Error; err != nil {
@@ -129,7 +128,7 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 				NotifyKey:    encryptedNotifyKey,
 				NotifyURL:    req.NotifyURL,
 				JumpURL:      req.JumpURL,
-				PayWay:       firstNonEmpty(req.PayWay, "ZFBZF"),
+				PayWay:       payWay,
 				JSPayFlag:    firstNonEmpty(req.JSPayFlag, "2"),
 				SignType:     firstNonEmpty(req.SignType, defaultSignType(req.Provider)),
 				ExtraConfig:  model.JSONMap(req.ExtraConfig),
@@ -158,23 +157,30 @@ func (r *Repository) ImportBackup(ctx context.Context, backup ExportBackup, acto
 	return result, nil
 }
 
-// FindActiveByProvider 查询提供商的所有激活配置
-
-func backupActiveKey(configs []ConfigDTO) string {
+// backupActiveKeys 提取备份中每个支付方式的启用配置键。
+func backupActiveKeys(configs []ConfigDTO) map[string]string {
+	keys := make(map[string]string)
 	for _, cfg := range configs {
+		payWay := firstNonEmpty(cfg.PayWay, "ZFBZF")
+		if _, exists := keys[payWay]; exists {
+			continue
+		}
 		if cfg.Status == "active" || cfg.IsDefault {
-			return paymentConfigImportKey(cfg.Provider, cfg.MerchantID)
+			keys[payWay] = paymentConfigImportKey(cfg.Provider, cfg.MerchantID, payWay)
 		}
 	}
-	return ""
+	return keys
 }
 
-func importCreateRequest(cfg ConfigDTO, activeKey string) CreateRequest {
+// importCreateRequest 将备份 DTO 转为创建请求，并保留每个支付方式唯一启用配置。
+func importCreateRequest(cfg ConfigDTO, activeKeys map[string]string) CreateRequest {
 	status := cfg.Status
 	if status == "" {
 		status = "disabled"
 	}
-	isActive := activeKey != "" && paymentConfigImportKey(cfg.Provider, cfg.MerchantID) == activeKey
+	payWay := firstNonEmpty(cfg.PayWay, "ZFBZF")
+	activeKey := activeKeys[payWay]
+	isActive := activeKey != "" && paymentConfigImportKey(cfg.Provider, cfg.MerchantID, payWay) == activeKey
 	if isActive {
 		status = "active"
 	} else if status == "active" {
@@ -190,7 +196,7 @@ func importCreateRequest(cfg ConfigDTO, activeKey string) CreateRequest {
 		NotifyKey:    cfg.NotifyKey,
 		NotifyURL:    cfg.NotifyURL,
 		JumpURL:      cfg.JumpURL,
-		PayWay:       cfg.PayWay,
+		PayWay:       payWay,
 		JSPayFlag:    cfg.JSPayFlag,
 		SignType:     cfg.SignType,
 		ExtraConfig:  cfg.ExtraConfig,
@@ -201,6 +207,7 @@ func importCreateRequest(cfg ConfigDTO, activeKey string) CreateRequest {
 	}
 }
 
-func paymentConfigImportKey(provider string, merchantID string) string {
-	return provider + ":" + merchantID
+// paymentConfigImportKey 生成导入去重键，同商户可按支付方式拆分为多条配置。
+func paymentConfigImportKey(provider string, merchantID string, payWay string) string {
+	return provider + ":" + merchantID + ":" + payWay
 }

backend/internal/modules/paymentconfig/dto.go

@@ -6,6 +6,7 @@ var (
 	ErrConfigNotFound      = errors.New("payment config not found")
 	ErrDuplicateDefault    = errors.New("duplicate default config for provider")
 	ErrInvalidProvider     = errors.New("invalid payment provider")
+	ErrInvalidPayWay       = errors.New("invalid pay_way")
 	ErrInvalidStatus       = errors.New("invalid status")
 	ErrInvalidBackup       = errors.New("invalid payment config backup")
 	ErrEmptyBackup         = errors.New("payment config backup is empty")
@@ -95,6 +96,7 @@ type UpdateRequest struct {
 // ListQuery 列表查询参数
 type ListQuery struct {
 	Provider    string `form:"provider"`
+	PayWay      string `form:"pay_way"`
 	Status      string `form:"status"`
 	Environment string `form:"environment"`
 	Page        int    `form:"page"`

backend/internal/modules/paymentconfig/handler.go

@@ -24,6 +24,7 @@ func NewHandler(service *Service) *Handler {
 // @Summary 获取支付配置列表
 // @Tags 管理后台-支付配置
 // @Param provider query string false "支付服务商"
+// @Param pay_way query string false "支付方式"
 // @Param status query string false "状态"
 // @Param environment query string false "环境"
 // @Param page query int false "页码"
@@ -141,7 +142,7 @@ func (h *Handler) ImportBackup(c *gin.Context) {
 	if err == ErrInvalidBackup || err == ErrEmptyBackup || err == ErrInvalidProvider ||
 		err == ErrNameRequired || err == ErrMerchantIDRequired || err == ErrGatewayURLRequired ||
 		err == ErrSignKeyRequired || err == ErrNotifyKeyRequired || err == ErrNotifyURLRequired ||
-		err == ErrInvalidSignType || err == ErrInvalidStatus || err == ErrAppIDRequired ||
+		err == ErrInvalidSignType || err == ErrInvalidStatus || err == ErrInvalidPayWay || err == ErrAppIDRequired ||
 		err == ErrSerialNoRequired || err == ErrTermNoRequired {
 		response.BadRequest(c, err.Error())
 		return
@@ -180,7 +181,7 @@ func (h *Handler) Create(c *gin.Context) {
 	config, err := h.service.Create(c.Request.Context(), req, adminID, auditMeta(c))
 	if err == ErrNameRequired || err == ErrMerchantIDRequired || err == ErrGatewayURLRequired ||
 		err == ErrSignKeyRequired || err == ErrNotifyKeyRequired || err == ErrInvalidProvider ||
-		err == ErrNotifyURLRequired || err == ErrInvalidSignType || err == ErrAppIDRequired ||
+		err == ErrNotifyURLRequired || err == ErrInvalidSignType || err == ErrInvalidPayWay || err == ErrAppIDRequired ||
 		err == ErrInvalidStatus || err == ErrSerialNoRequired || err == ErrTermNoRequired {
 		response.BadRequest(c, err.Error())
 		return
@@ -224,7 +225,7 @@ func (h *Handler) Update(c *gin.Context) {
 		response.NotFound(c, "配置不存在")
 		return
 	}
-	if err == ErrInvalidSignType || err == ErrInvalidStatus || err == ErrNotifyURLRequired {
+	if err == ErrInvalidSignType || err == ErrInvalidStatus || err == ErrInvalidPayWay || err == ErrNotifyURLRequired {
 		response.BadRequest(c, err.Error())
 		return
 	}

backend/internal/modules/paymentconfig/mutation.go

@@ -37,9 +37,10 @@ func (r *Repository) Create(ctx context.Context, req CreateRequest, actorID uint
 		if environment == "" {
 			environment = "production"
 		}
+		payWay := firstNonEmpty(req.PayWay, "ZFBZF")
 		isDefault := req.IsDefault
 		if status == "active" {
-			if err := deactivateOtherConfigs(tx, 0, actorID); err != nil {
+			if err := deactivateOtherConfigs(tx, 0, actorID, payWay); err != nil {
 				return err
 			}
 			isDefault = true
@@ -56,7 +57,7 @@ func (r *Repository) Create(ctx context.Context, req CreateRequest, actorID uint
 			NotifyKey:    encryptedNotifyKey,
 			NotifyURL:    req.NotifyURL,
 			JumpURL:      req.JumpURL,
-			PayWay:       firstNonEmpty(req.PayWay, "ZFBZF"),
+			PayWay:       payWay,
 			JSPayFlag:    firstNonEmpty(req.JSPayFlag, "2"),
 			SignType:     firstNonEmpty(req.SignType, defaultSignType(req.Provider)),
 			ExtraConfig:  req.ExtraConfig,
@@ -97,6 +98,9 @@ func (r *Repository) Update(ctx context.Context, id uint64, req UpdateRequest, a
 	if req.SignType != nil && *req.SignType != "" && !isValidSignType(*req.SignType) {
 		return nil, ErrInvalidSignType
 	}
+	if req.PayWay != nil && !isValidPayWay(*req.PayWay) {
+		return nil, ErrInvalidPayWay
+	}
 	if req.Status != nil && !isValidStatus(*req.Status) {
 		return nil, ErrInvalidStatus
 	}
@@ -145,7 +149,7 @@ func (r *Repository) Update(ctx context.Context, id uint64, req UpdateRequest, a
 			updates["jump_url"] = *req.JumpURL
 		}
 		if req.PayWay != nil {
-			updates["pay_way"] = *req.PayWay
+			updates["pay_way"] = firstNonEmpty(*req.PayWay, "ZFBZF")
 		}
 		if req.JSPayFlag != nil {
 			updates["jspay_flag"] = *req.JSPayFlag
@@ -174,8 +178,15 @@ func (r *Repository) Update(ctx context.Context, id uint64, req UpdateRequest, a
 		if req.Status != nil {
 			finalStatus = *req.Status
 		}
+		finalPayWay := item.PayWay
+		if req.PayWay != nil && *req.PayWay != "" {
+			finalPayWay = *req.PayWay
+		}
+		if finalPayWay == "" {
+			finalPayWay = "ZFBZF"
+		}
 		if finalStatus == "active" {
-			if err := deactivateOtherConfigs(tx, id, actorID); err != nil {
+			if err := deactivateOtherConfigs(tx, id, actorID, finalPayWay); err != nil {
 				return err
 			}
 			updates["status"] = "active"
@@ -225,8 +236,10 @@ func (r *Repository) Delete(ctx context.Context, id uint64, actorID uint64, meta
 		}
 
 		var usedCount int64
-		if err := tx.Model(&model.PaymentOrder{}).
-			Where("provider = ? AND merchant_id = ?", item.Provider, item.MerchantID).
+		usedDB := tx.Model(&model.PaymentOrder{}).
+			Where("payment_config_id = ?", item.ID).
+			Or("(payment_config_id = ? OR payment_config_id IS NULL) AND provider = ? AND merchant_id = ? AND pay_way = ?", 0, item.Provider, item.MerchantID, item.PayWay)
+		if err := usedDB.
 			Count(&usedCount).Error; err != nil {
 			return err
 		}
@@ -246,12 +259,10 @@ func (r *Repository) Delete(ctx context.Context, id uint64, actorID uint64, meta
 	})
 }
 
-// IncrementUsage 增加使用统计
-
-// deactivateOtherConfigs 保证全局同一时间只有一个启用配置。
-func deactivateOtherConfigs(tx *gorm.DB, activeID uint64, actorID uint64) error {
+// deactivateOtherConfigs 保证同一个支付方式同一时间只有一个启用配置。
+func deactivateOtherConfigs(tx *gorm.DB, activeID uint64, actorID uint64, payWay string) error {
 	db := tx.Model(&model.PaymentMerchantConfig{}).
-		Where("status = ? OR is_default = ?", "active", true)
+		Where("pay_way = ? AND (status = ? OR is_default = ?)", payWay, "active", true)
 	if activeID > 0 {
 		db = db.Where("id != ?", activeID)
 	}

backend/internal/modules/paymentconfig/query.go

@@ -20,6 +20,9 @@ func (r *Repository) List(ctx context.Context, query ListQuery) ([]ConfigDTO, in
 	if query.Provider != "" {
 		db = db.Where("provider = ?", query.Provider)
 	}
+	if query.PayWay != "" {
+		db = db.Where("pay_way = ?", query.PayWay)
+	}
 	if query.Status != "" {
 		db = db.Where("status = ?", query.Status)
 	}
@@ -46,7 +49,7 @@ func (r *Repository) List(ctx context.Context, query ListQuery) ([]ConfigDTO, in
 	}
 
 	offset := (page - 1) * pageSize
-	if err := db.Order("is_default DESC, id DESC").Offset(offset).Limit(pageSize).Find(&items).Error; err != nil {
+	if err := db.Order("pay_way ASC, is_default DESC, id DESC").Offset(offset).Limit(pageSize).Find(&items).Error; err != nil {
 		return nil, 0, err
 	}
 
@@ -62,8 +65,6 @@ func (r *Repository) List(ctx context.Context, query ListQuery) ([]ConfigDTO, in
 	return dtos, total, nil
 }
 
-// FindByID 根据 ID 查询配置
-
 // FindByID 根据 ID 查询配置
 func (r *Repository) FindByID(ctx context.Context, id uint64, includeSecret bool, actorID uint64, meta AuditMeta) (*ConfigDTO, error) {
 	var item model.PaymentMerchantConfig
@@ -89,9 +90,23 @@ func (r *Repository) FindByID(ctx context.Context, id uint64, includeSecret bool
 	return &dto, nil
 }
 
-// FindDefault 查询默认配置
+// FindRuntimeByID 根据配置 ID 查询运行时配置，不写审计日志，供支付单回溯原配置使用。
+func (r *Repository) FindRuntimeByID(ctx context.Context, id uint64, includeSecret bool) (*ConfigDTO, error) {
+	var item model.PaymentMerchantConfig
+	if err := r.db.WithContext(ctx).Where("id = ?", id).First(&item).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return nil, ErrConfigNotFound
+		}
+		return nil, err
+	}
+	dto, err := r.toDTO(item, includeSecret)
+	if err != nil {
+		return nil, err
+	}
+	return &dto, nil
+}
 
-// FindDefault 查询默认配置
+// FindDefault 查询指定服务商的默认启用配置，兼容旧调用路径。
 func (r *Repository) FindDefault(ctx context.Context, provider string) (*model.PaymentMerchantConfig, error) {
 	var item model.PaymentMerchantConfig
 	if err := r.db.WithContext(ctx).Where("provider = ? AND is_default = ? AND status = ?", provider, true, "active").First(&item).Error; err != nil {
@@ -103,12 +118,13 @@ func (r *Repository) FindDefault(ctx context.Context, provider string) (*model.P
 	return &item, nil
 }
 
-// FindDefaultAny 查询任意服务商的默认启用配置。
-
-// FindDefaultAny 查询任意服务商的默认启用配置。
-func (r *Repository) FindDefaultAny(ctx context.Context, includeSecret bool) (*ConfigDTO, error) {
+// FindDefaultByPayWay 查询指定支付方式的默认启用配置。
+func (r *Repository) FindDefaultByPayWay(ctx context.Context, payWay string, includeSecret bool) (*ConfigDTO, error) {
 	var item model.PaymentMerchantConfig
-	if err := r.db.WithContext(ctx).Where("status = ?", "active").Order("is_default DESC, id DESC").First(&item).Error; err != nil {
+	if err := r.db.WithContext(ctx).
+		Where("pay_way = ? AND status = ?", payWay, "active").
+		Order("is_default DESC, id DESC").
+		First(&item).Error; err != nil {
 		if errors.Is(err, gorm.ErrRecordNotFound) {
 			return nil, ErrNoActiveConfigFound
 		}
@@ -121,8 +137,6 @@ func (r *Repository) FindDefaultAny(ctx context.Context, includeSecret bool) (*C
 	return &dto, nil
 }
 
-// FindDefaultByProvider 查询指定服务商的默认启用配置。
-
 // FindDefaultByProvider 查询指定服务商的默认启用配置。
 func (r *Repository) FindDefaultByProvider(ctx context.Context, provider string, includeSecret bool) (*ConfigDTO, error) {
 	item, err := r.FindDefault(ctx, provider)
@@ -136,9 +150,44 @@ func (r *Repository) FindDefaultByProvider(ctx context.Context, provider string,
 	return &dto, nil
 }
 
-// FindByProviderMerchant 根据服务商和商户号查配置，用于历史支付单继续使用原商户密钥。
+// FindDefaultByProviderPayWay 查询指定服务商和支付方式的默认启用配置。
+func (r *Repository) FindDefaultByProviderPayWay(ctx context.Context, provider string, payWay string, includeSecret bool) (*ConfigDTO, error) {
+	var item model.PaymentMerchantConfig
+	if err := r.db.WithContext(ctx).
+		Where("provider = ? AND pay_way = ? AND status = ?", provider, payWay, "active").
+		Order("is_default DESC, id DESC").
+		First(&item).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return nil, ErrNoActiveConfigFound
+		}
+		return nil, err
+	}
+	dto, err := r.toDTO(item, includeSecret)
+	if err != nil {
+		return nil, err
+	}
+	return &dto, nil
+}
 
-// FindByProviderMerchant 根据服务商和商户号查配置，用于历史支付单继续使用原商户密钥。
+// FindByProviderMerchantPayWay 根据服务商、商户号和支付方式查配置，用于旧支付单回溯原商户密钥。
+func (r *Repository) FindByProviderMerchantPayWay(ctx context.Context, provider string, merchantID string, payWay string, includeSecret bool) (*ConfigDTO, error) {
+	var item model.PaymentMerchantConfig
+	if err := r.db.WithContext(ctx).Where("provider = ? AND merchant_id = ? AND pay_way = ?", provider, merchantID, payWay).
+		Order("status = 'active' DESC, is_default DESC, id DESC").
+		First(&item).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return nil, ErrConfigNotFound
+		}
+		return nil, err
+	}
+	dto, err := r.toDTO(item, includeSecret)
+	if err != nil {
+		return nil, err
+	}
+	return &dto, nil
+}
+
+// FindByProviderMerchant 根据服务商和商户号查配置，保留给历史数据没有支付方式时兜底使用。
 func (r *Repository) FindByProviderMerchant(ctx context.Context, provider string, merchantID string, includeSecret bool) (*ConfigDTO, error) {
 	var item model.PaymentMerchantConfig
 	if err := r.db.WithContext(ctx).Where("provider = ? AND merchant_id = ?", provider, merchantID).
@@ -156,8 +205,6 @@ func (r *Repository) FindByProviderMerchant(ctx context.Context, provider string
 	return &dto, nil
 }
 
-// ExportBackup 导出所有支付配置备份，包含解密后的密钥。
-
 // FindActiveByProvider 查询提供商的所有激活配置
 func (r *Repository) FindActiveByProvider(ctx context.Context, provider string) ([]model.PaymentMerchantConfig, error) {
 	var items []model.PaymentMerchantConfig

backend/internal/modules/paymentconfig/repository_test.go

@@ -2,15 +2,17 @@ package paymentconfig
 
 import "testing"
 
-func TestImportCreateRequestKeepsOnlyOneActiveConfig(t *testing.T) {
+func TestImportCreateRequestKeepsOneActiveConfigPerPayWay(t *testing.T) {
 	configs := []ConfigDTO{
-		{Provider: "lakala", MerchantID: "M1", Status: "active", IsDefault: true},
-		{Provider: "leshua", MerchantID: "M2", Status: "active", IsDefault: false},
+		{Provider: "lakala", MerchantID: "M1", PayWay: "ZFBZF", Status: "active", IsDefault: true},
+		{Provider: "leshua", MerchantID: "M2", PayWay: "ZFBZF", Status: "active", IsDefault: false},
+		{Provider: "leshua", MerchantID: "M3", PayWay: "WXZF", Status: "active", IsDefault: true},
 	}
-	activeKey := backupActiveKey(configs)
+	activeKeys := backupActiveKeys(configs)
 
-	first := importCreateRequest(configs[0], activeKey)
-	second := importCreateRequest(configs[1], activeKey)
+	first := importCreateRequest(configs[0], activeKeys)
+	second := importCreateRequest(configs[1], activeKeys)
+	third := importCreateRequest(configs[2], activeKeys)
 
 	if first.Status != "active" || !first.IsDefault {
 		t.Fatalf("first config status/default = %s/%v, want active/true", first.Status, first.IsDefault)
@@ -18,6 +20,9 @@ func TestImportCreateRequestKeepsOnlyOneActiveConfig(t *testing.T) {
 	if second.Status != "disabled" || second.IsDefault {
 		t.Fatalf("second config status/default = %s/%v, want disabled/false", second.Status, second.IsDefault)
 	}
+	if third.Status != "active" || !third.IsDefault {
+		t.Fatalf("third config status/default = %s/%v, want active/true", third.Status, third.IsDefault)
+	}
 }
 
 func TestImportCreateRequestPreservesTestingConfig(t *testing.T) {
@@ -27,7 +32,7 @@ func TestImportCreateRequestPreservesTestingConfig(t *testing.T) {
 		Status:     "testing",
 	}
 
-	req := importCreateRequest(cfg, "")
+	req := importCreateRequest(cfg, nil)
 
 	if req.Status != "testing" || req.IsDefault {
 		t.Fatalf("status/default = %s/%v, want testing/false", req.Status, req.IsDefault)

backend/internal/modules/paymentconfig/service.go

@@ -64,7 +64,7 @@ func (s *Service) Delete(ctx context.Context, id uint64, actorID uint64, meta Au
 	return s.repo.Delete(ctx, id, actorID, meta)
 }
 
-// GetDefaultConfig 获取默认配置（用于支付模块调用）
+// GetDefaultConfig 获取指定服务商的默认配置，保留给管理工具或兼容调用使用。
 func (s *Service) GetDefaultConfig(ctx context.Context, provider string) (*ConfigDTO, error) {
 	config, err := s.repo.FindDefault(ctx, provider)
 	if err != nil {
@@ -76,3 +76,8 @@ func (s *Service) GetDefaultConfig(ctx context.Context, provider string) (*Confi
 	}
 	return &dto, nil
 }
+
+// GetDefaultConfigByPayWay 获取指定支付方式的默认配置，供新支付链路按微信/支付宝选渠道。
+func (s *Service) GetDefaultConfigByPayWay(ctx context.Context, payWay string) (*ConfigDTO, error) {
+	return s.repo.FindDefaultByPayWay(ctx, payWay, true)
+}

backend/internal/modules/paymentconfig/validation.go

@@ -17,6 +17,9 @@ func (r *Repository) validateCreateRequest(req CreateRequest) error {
 	if req.SignType != "" && !isValidSignType(req.SignType) {
 		return ErrInvalidSignType
 	}
+	if req.PayWay != "" && !isValidPayWay(req.PayWay) {
+		return ErrInvalidPayWay
+	}
 	if req.Status != "" && !isValidStatus(req.Status) {
 		return ErrInvalidStatus
 	}
@@ -71,6 +74,11 @@ func isValidSignType(value string) bool {
 	return value == "MD5" || value == "SHA256withRSA"
 }
 
+// isValidPayWay 校验支付方式是否属于系统支持的微信或支付宝编码。
+func isValidPayWay(value string) bool {
+	return value == "ZFBZF" || value == "WXZF"
+}
+
 func isValidStatus(value string) bool {
 	return value == "active" || value == "disabled" || value == "testing"
 }