<!-- 支付组件模板 -->
<view wx:if="{{ visible }}" class="pay-mask" catchtouchmove="prevent">
  <!-- 支付方式选择 -->
  <view wx:if="{{ step === 'method' }}" class="pay-panel">
    <view class="pay-head">
      <text class="pay-title">选择支付方式</text>
      <view class="pay-close" bindtap="close">✕</view>
    </view>
    <view class="pay-body">
      <view class="method-item" bindtap="chooseMethod" data-method="wx">
        <text class="method-icon">💳</text>
        <text class="method-name">微信支付</text>
      </view>
      <view class="method-item" bindtap="chooseMethod" data-method="alipay">
        <text class="method-icon method-icon-alipay">支</text>
        <text class="method-name">支付宝</text>
      </view>
      <view class="method-item" bindtap="chooseMethod" data-method="balance">
        <text class="method-icon">💰</text>
        <text class="method-name">佣金抵扣</text>
      </view>
    </view>
  </view>

  <!-- 余额抵扣身份选择 -->
  <view wx:if="{{ step === 'balance' }}" class="pay-panel">
    <view class="pay-head">
      <text class="pay-title">选择抵扣身份</text>
      <view class="pay-close" bindtap="close">✕</view>
    </view>
    <scroll-view scroll-y class="pay-body">
      <view wx:for="{{ balanceOptions }}" wx:key="id" class="balance-item" bindtap="selectBalance" data-id="{{ item.id }}">
        <text class="balance-name">{{ item.jieshao }}</text>
        <text class="balance-amount">需¥{{ item.xuyao }}</text>
      </view>
    </scroll-view>
  </view>

  <!-- 余额抵扣确认 -->
  <view wx:if="{{ step === 'confirm' }}" class="pay-panel">
    <view class="pay-head">
      <text class="pay-title">确认抵扣</text>
      <view class="pay-close" bindtap="close">✕</view>
    </view>
    <view class="pay-body">
      <view class="confirm-row">
        <text>抵扣身份：{{ selectedBalance.jieshao }}</text>
      </view>
      <view class="confirm-row">
        <text>需扣除：¥{{ selectedBalance.xuyao }}</text>
      </view>
      <text class="confirm-tip">确认后将从您的佣金/分红中扣除</text>
    </view>
    <view class="pay-foot">
      <view class="pbtn default" bindtap="backToMethod">取消</view>
      <view class="pbtn primary" bindtap="confirmBalance">确认</view>
    </view>
  </view>

  <!-- 支付加载动画 -->
  <view wx:if="{{ step === 'loading' }}" class="pay-mask loading-box">
    <view class="spinner"></view>
    <text class="loading-text">{{ loadingText }}</text>
  </view>
</view>