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/views.py

@@ -453,6 +453,8 @@ class ClubManageView(APIView):
         'name', 'status', 'wx_appid', 'wx_secret',
         # 收款商户
         'mch_id', 'pay_app_id', 'mch_key', 'pay_cert_path', 'pay_key_path',
+        # 小程序收款通道：wechat / fubei
+        'mini_pay_channel',
         # 提现商户
         'withdraw_mch_id', 'api_v3_key',
         'cert_serial_no', 'private_key_path', 'platform_cert_dir',
@@ -549,6 +551,7 @@ class ClubManageView(APIView):
             'mch_id': club.mch_id,
             'pay_app_id': club.pay_app_id,
             'withdraw_mch_id': getattr(club, 'withdraw_mch_id', '') or '',
+            'mini_pay_channel': getattr(club, 'mini_pay_channel', None) or 'wechat',
             'goeasy_appkey': club.goeasy_appkey,
             'template_id': club.template_id,
             'sort_order': club.sort_order,
@@ -611,6 +614,10 @@ class ClubManageView(APIView):
                         val = request.data[field]
                         if field in ('mch_key', 'api_v3_key', 'wx_secret'):
                             val = (val or '').strip()
+                        if field == 'mini_pay_channel':
+                            val = (val or 'wechat').strip().lower()
+                            if val not in ('wechat', 'fubei'):
+                                return Response({'code': 400, 'msg': 'mini_pay_channel 仅支持 wechat/fubei'})
                         setattr(club, field, val)
                         update_fields.append(field)
                 if 'mch_key' in request.data: