区分平台上限与微信商户额度，失败时明确返回已尝试的商户号。

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

yonghu/tixian_shenhe_views.py

@@ -293,9 +293,9 @@ def process_audit_collect(request):
             logger.error('微信打款配置不完整 enabled_count=%s', len(mch_cfgs))
             return Response({'code': 11, 'msg': '系统配置异常，请联系客服'})
         if len(mch_cfgs) < 2:
-            logger.warning(
+            logger.error(
                 '启用且配置完整的转账商户仅 %s 个，无法轮换 mch_ids=%s '
-                '（后台多个启用但私钥路径无效会被跳过）',
+                '（后台多个启用但私钥路径无效会被跳过；微信商户日额度失败时将无法换号）',
                 len(mch_cfgs), [c.get('MCHID') for c in mch_cfgs],
             )
 
@@ -415,10 +415,12 @@ def process_audit_collect(request):
             last_user_msg = '微信收款发起失败，请稍后重试'
             last_was_balance = False
             tixian_id = None
+            tried_mchs = []
 
             for mch_idx, wx_cfg in enumerate(mch_cfgs):
                 tixian_id = generate_tixian_id()
                 mch_id = wx_cfg['MCHID']
+                tried_mchs.append(mch_id)
                 with transaction.atomic():
                     TixianAutoRecord.objects.create(
                         tixian_id=tixian_id,
@@ -532,6 +534,7 @@ def process_audit_collect(request):
                     or clear_fail
                     or ('额度' in err_msg)
                     or ('限额' in err_msg)
+                    or ('上限' in err_msg)
                     or resp.status_code in (400, 401, 403)
                 )
 
@@ -587,29 +590,51 @@ def process_audit_collect(request):
                         TixianAutoRecord.objects.get(tixian_id=tixian_id),
                     )
                     quota_reserved = False
+                tried = '、'.join(tried_mchs) or mch_id
+                if len(mch_cfgs) < 2:
+                    return Response({
+                        'code': 99,
+                        'msg': (
+                            f'仅1个可用打款商户({tried})，无法轮换。'
+                            f'失败原因：{user_msg}。请在后台再完善并启用第二个商户（私钥须存在）。'
+                        ),
+                    })
                 if ip_denied:
                     return Response({
                         'code': 99,
-                        'msg': '所有商户均无法发起打款（请检查各商户IP白名单/日额度），请联系管理员',
+                        'msg': f'已尝试商户 {tried} 均失败（含IP白名单），请检查各商户配置',
                     })
                 if last_was_balance:
                     return Response({
                         'code': 99,
-                        'msg': '运营账户资金不足，需等管理员充值后才能提现',
+                        'msg': f'已尝试商户 {tried}，运营账户资金不足，需等管理员充值后才能提现',
                     })
-                return Response({'code': 99, 'msg': user_msg})
+                return Response({
+                    'code': 99,
+                    'msg': f'已尝试商户 {tried} 均失败：{user_msg}',
+                })
 
             if quota_reserved and tixian_id:
                 release_collect_quota_for_record(
                     TixianAutoRecord.objects.get(tixian_id=tixian_id),
                 )
                 quota_reserved = False
+            tried = '、'.join(tried_mchs) if tried_mchs else ''
             if last_was_balance:
                 return Response({
                     'code': 99,
-                    'msg': '运营账户资金不足，需等管理员充值后才能提现',
+                    'msg': (
+                        f'已尝试商户 {tried}，运营账户资金不足，需等管理员充值后才能提现'
+                        if tried else '运营账户资金不足，需等管理员充值后才能提现'
+                    ),
                 })
-            return Response({'code': 99, 'msg': last_user_msg})
+            return Response({
+                'code': 99,
+                'msg': (
+                    f'已尝试商户 {tried} 均失败：{last_user_msg}'
+                    if tried else last_user_msg
+                ),
+            })
 
         finally:
             release_lock(lock_key)