feat: integrate unified payment and wallet refunds

backend/api/internal/routers/payment.go

@@ -0,0 +1,15 @@
+package routers
+
+import (
+	"fmt"
+	"git.apinb.com/heqiapp/platforms/backend/api/internal/logic/payment"
+	"github.com/gin-gonic/gin"
+)
+
+// RegisterPaymentReturn 注册无 JWT 的渠道回调；安全性由渠道签名、商户、金额和支付单校验保证。
+func RegisterPaymentReturn(serviceKey string, engine *gin.Engine) {
+	group := engine.Group(fmt.Sprintf("/%s/payment-return/v1", serviceKey))
+	group.POST("/alipay/notify", payment.AlipayNotify)
+	group.POST("/wechat/notify", payment.WechatNotify)
+	engine.POST(fmt.Sprintf("/%s/internal/v1/payment/close-expired", serviceKey), payment.CloseExpiredHandler)
+}