XingQueandCursor 0a6f6bd231 feat: 收款与提现商户拆分,支持后台上传证书
收款仍用 mch_id/mch_key;提现优先 withdraw_mch_id(空则回落);证书分 pay/withdraw 目录落盘。退款逻辑未改。

Co-authored-by: Cursor <cursoragent@cursor.com>
2026-07-21 03:52:55 +08:00
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