feat: 分俱乐部付呗收款通道，默认仍走微信直连

小程序前端仍传 wechat；后台可切换 wechat/fubei，支持配置多套付呗并退款按原通道路由。

Co-authored-by: Cursor <cursoragent@cursor.com>

jituan/models.py

@@ -52,6 +52,14 @@ class Club(QModel):
     goeasy_appkey = models.CharField(max_length=64, blank=True, default='')
     goeasy_secret = models.CharField(max_length=128, blank=True, default='')
     config_json = models.JSONField(default=dict, blank=True)
+    # 小程序「微信支付」入口实际走哪条通道：wechat=直连商户号；fubei=付呗（前端仍传 wechat）
+    mini_pay_channel = models.CharField(
+        max_length=16,
+        blank=True,
+        default='wechat',
+        verbose_name='小程序收款通道',
+        help_text='wechat=微信直连；fubei=付呗；默认 wechat，不影响现网',
+    )
     company_uuid = models.BinaryField(max_length=16, null=True, blank=True)
     sort_order = models.IntegerField(default=0)
     CreateTime = models.DateTimeField(auto_now_add=True)
@@ -62,6 +70,70 @@ class Club(QModel):
         verbose_name = '俱乐部'
 
 
+class ClubPaymentChannel(QModel):
+    """俱乐部支付通道配置（可多条；同 channel 用 is_default 选主配置）。"""
+    CHANNEL_CHOICES = (
+        ('wechat_jsapi', '微信直连-小程序JSAPI'),
+        ('wechat_v3', '微信直连-V3转账/退款'),
+        ('alipay_wap', '支付宝-手机网站'),
+        ('fubei_wx_mini', '付呗-微信小程序'),
+    )
+
+    club_id = models.CharField(max_length=16, db_index=True, verbose_name='俱乐部ID')
+    channel = models.CharField(max_length=32, choices=CHANNEL_CHOICES, db_index=True)
+    name = models.CharField(max_length=64, verbose_name='配置名称', help_text='如：主付呗、备用微信')
+    enabled = models.IntegerField(default=1, verbose_name='1启用0停用')
+    is_default = models.BooleanField(default=True, verbose_name='同通道默认配置')
+    sort_order = models.IntegerField(default=0, verbose_name='前端展示顺序')
+    sandbox = models.BooleanField(default=False, verbose_name='沙箱/联调')
+    app_id = models.CharField(max_length=64, blank=True, default='', verbose_name='AppID/付呗ID')
+    mch_id = models.CharField(max_length=64, blank=True, default='', verbose_name='商户号')
+    api_key_enc = models.TextField(blank=True, default='', verbose_name='API密钥/付呗Secret(加密)')
+    private_key_enc = models.TextField(blank=True, default='', verbose_name='应用私钥(加密)')
+    public_key_enc = models.TextField(blank=True, default='', verbose_name='平台公钥(加密或明文)')
+    cert_serial_no = models.CharField(max_length=64, blank=True, default='')
+    private_key_path = models.CharField(max_length=255, blank=True, default='')
+    platform_cert_dir = models.CharField(max_length=255, blank=True, default='')
+    notify_url = models.CharField(max_length=512, blank=True, default='', verbose_name='异步回调URL')
+    return_url = models.CharField(max_length=512, blank=True, default='', verbose_name='同步返回URL')
+    gateway_url = models.CharField(max_length=255, blank=True, default='', verbose_name='API网关')
+    mini_app_id = models.CharField(
+        max_length=32, blank=True, default='',
+        verbose_name='支付用小程序AppID',
+        help_text='付呗/微信JSAPI；空则回落 club.wx_appid',
+    )
+    extra_json = models.JSONField(blank=True, default=dict, verbose_name='扩展配置')
+    remark = models.CharField(max_length=255, blank=True, default='')
+    CreateTime = models.DateTimeField(auto_now_add=True)
+    UpdateTime = models.DateTimeField(auto_now=True)
+
+    class Meta:
+        db_table = 'club_payment_channel'
+        verbose_name = '俱乐部支付通道'
+        unique_together = [['club_id', 'channel', 'name']]
+        indexes = [
+            models.Index(fields=['club_id', 'channel', 'enabled'], name='idx_cpc_club_ch_en'),
+            models.Index(fields=['club_id', 'is_default'], name='idx_cpc_club_default'),
+        ]
+
+
+class PayChannelLedger(QModel):
+    """下单时记录实际支付通道，供回调路由与退款选用（前端无感知）。"""
+    out_trade_no = models.CharField(max_length=64, unique=True, db_index=True, verbose_name='商户订单号')
+    club_id = models.CharField(max_length=16, db_index=True, default='')
+    channel = models.CharField(max_length=32, db_index=True, verbose_name='通道')
+    channel_config_id = models.IntegerField(null=True, blank=True)
+    biz_type = models.CharField(max_length=16, blank=True, default='', verbose_name='order/czjilu')
+    provider_order_sn = models.CharField(max_length=64, blank=True, default='', verbose_name='通道侧订单号')
+    amount_yuan = models.DecimalField(max_digits=12, decimal_places=2, default=0)
+    CreateTime = models.DateTimeField(auto_now_add=True)
+    UpdateTime = models.DateTimeField(auto_now=True)
+
+    class Meta:
+        db_table = 'pay_channel_ledger'
+        verbose_name = '支付通道流水'
+
+
 class UserWxOpenid(QModel):
     """微信 openid 与俱乐部用户绑定（club_id + openid 唯一）。"""
     club_id = models.CharField(max_length=16, db_index=True)