feat: integrate unified payment and wallet refunds

backend/api/internal/logic/payment/provider.go

@@ -0,0 +1,139 @@
+// Package payment 统一承载支付宝、微信和钱包支付请求及渠道回调。
+package payment
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+	"fmt"
+	"os"
+	"strings"
+
+	"git.apinb.com/heqiapp/platforms/backend/api/internal/config"
+	"git.apinb.com/heqiapp/platforms/backend/api/internal/models"
+	"github.com/smartwalle/alipay/v3"
+	wechatcore "github.com/wechatpay-apiv3/wechatpay-go/core"
+	"github.com/wechatpay-apiv3/wechatpay-go/core/option"
+	wechatapp "github.com/wechatpay-apiv3/wechatpay-go/services/payments/app"
+	wechatjsapi "github.com/wechatpay-apiv3/wechatpay-go/services/payments/jsapi"
+	wechatnative "github.com/wechatpay-apiv3/wechatpay-go/services/payments/native"
+	"github.com/wechatpay-apiv3/wechatpay-go/utils"
+)
+
+var ErrChannelUnavailable = errors.New("payment channel is not configured")
+
+func money(amount int64) string { return fmt.Sprintf("%d.%02d", amount/100, amount%100) }
+
+func createChannelOrder(ctx context.Context, order models.PaymentOrder, openID string) (string, error) {
+	switch order.Channel {
+	case "alipay":
+		return createAlipayOrder(order)
+	case "wechat":
+		return createWechatOrder(ctx, order, openID)
+	default:
+		return "", errors.New("unsupported payment channel")
+	}
+}
+
+func alipayClient() (*alipay.Client, error) {
+	cfg := config.Spec.Payment.Alipay
+	if !cfg.Enabled || cfg.AppID == "" || cfg.PrivateKeyPath == "" {
+		return nil, ErrChannelUnavailable
+	}
+	privateKey, err := os.ReadFile(cfg.PrivateKeyPath)
+	if err != nil {
+		return nil, err
+	}
+	client, err := alipay.New(cfg.AppID, string(privateKey), cfg.Production)
+	if err != nil {
+		return nil, err
+	}
+	if err = client.LoadAppCertPublicKeyFromFile(cfg.AppPublicCertPath); err != nil {
+		return nil, err
+	}
+	if err = client.LoadAliPayRootCertFromFile(cfg.AlipayRootCertPath); err != nil {
+		return nil, err
+	}
+	if err = client.LoadAlipayCertPublicKeyFromFile(cfg.AlipayPublicCertPath); err != nil {
+		return nil, err
+	}
+	return client, nil
+}
+
+func createAlipayOrder(order models.PaymentOrder) (string, error) {
+	client, err := alipayClient()
+	if err != nil {
+		return "", err
+	}
+	trade := alipay.Trade{NotifyURL: config.Spec.Payment.Alipay.NotifyURL, ReturnURL: config.Spec.Payment.Alipay.ReturnURL,
+		Subject: order.Subject, OutTradeNo: order.PaymentNo, TotalAmount: money(order.Amount), TimeoutExpress: fmt.Sprintf("%dm", config.Spec.Payment.ExpireMinutes)}
+	if order.PayType == "app" {
+		trade.ProductCode = "QUICK_MSECURITY_PAY"
+		return client.TradeAppPay(alipay.TradeAppPay{Trade: trade})
+	}
+	if order.PayType == "wap" {
+		trade.ProductCode = "QUICK_WAP_WAY"
+		value, err := client.TradeWapPay(alipay.TradeWapPay{Trade: trade})
+		if err != nil {
+			return "", err
+		}
+		return value.String(), nil
+	}
+	return "", errors.New("unsupported alipay product")
+}
+
+func wechatClient(ctx context.Context) (*wechatcore.Client, error) {
+	cfg := config.Spec.Payment.Wechat
+	if !cfg.Enabled || cfg.MerchantID == "" || cfg.MerchantPrivateKeyPath == "" || len(cfg.APIv3Key) != 32 {
+		return nil, ErrChannelUnavailable
+	}
+	key, err := utils.LoadPrivateKeyWithPath(cfg.MerchantPrivateKeyPath)
+	if err != nil {
+		return nil, err
+	}
+	return wechatcore.NewClient(ctx, option.WithWechatPayAutoAuthCipher(cfg.MerchantID, cfg.MerchantCertificateSerial, key, cfg.APIv3Key))
+}
+
+func createWechatOrder(ctx context.Context, order models.PaymentOrder, openID string) (string, error) {
+	cfg := config.Spec.Payment.Wechat
+	client, err := wechatClient(ctx)
+	if err != nil {
+		return "", err
+	}
+	marshal := func(value any) (string, error) { raw, err := json.Marshal(value); return string(raw), err }
+	switch order.PayType {
+	case "app":
+		resp, _, err := (&wechatapp.AppApiService{Client: client}).PrepayWithRequestPayment(ctx, wechatapp.PrepayRequest{
+			Appid: wechatcore.String(cfg.AppAppID), Mchid: wechatcore.String(cfg.MerchantID), Description: wechatcore.String(order.Subject),
+			OutTradeNo: wechatcore.String(order.PaymentNo), TimeExpire: &order.ExpiresAt, NotifyUrl: wechatcore.String(cfg.NotifyURL), Amount: &wechatapp.Amount{Total: wechatcore.Int64(order.Amount)}})
+		if err != nil {
+			return "", err
+		}
+		return marshal(resp)
+	case "jsapi", "mini":
+		if strings.TrimSpace(openID) == "" {
+			return "", errors.New("openid is required")
+		}
+		appid := cfg.OfficialAccountAppID
+		if order.PayType == "mini" {
+			appid = cfg.MiniProgramAppID
+		}
+		resp, _, err := (&wechatjsapi.JsapiApiService{Client: client}).PrepayWithRequestPayment(ctx, wechatjsapi.PrepayRequest{
+			Appid: wechatcore.String(appid), Mchid: wechatcore.String(cfg.MerchantID), Description: wechatcore.String(order.Subject),
+			OutTradeNo: wechatcore.String(order.PaymentNo), TimeExpire: &order.ExpiresAt, NotifyUrl: wechatcore.String(cfg.NotifyURL),
+			Amount: &wechatjsapi.Amount{Total: wechatcore.Int64(order.Amount)}, Payer: &wechatjsapi.Payer{Openid: wechatcore.String(openID)}})
+		if err != nil {
+			return "", err
+		}
+		return marshal(resp)
+	case "native":
+		resp, _, err := (&wechatnative.NativeApiService{Client: client}).Prepay(ctx, wechatnative.PrepayRequest{
+			Appid: wechatcore.String(cfg.AppAppID), Mchid: wechatcore.String(cfg.MerchantID), Description: wechatcore.String(order.Subject),
+			OutTradeNo: wechatcore.String(order.PaymentNo), TimeExpire: &order.ExpiresAt, NotifyUrl: wechatcore.String(cfg.NotifyURL), Amount: &wechatnative.Amount{Total: wechatcore.Int64(order.Amount)}})
+		if err != nil {
+			return "", err
+		}
+		return marshal(resp)
+	}
+	return "", errors.New("unsupported wechat product")
+}