让代理充值复用现有网页支付能力

微信按当前 v2/v3 配置分别生成 MWEB/H5 链接，支付宝复用 C 端 WAP 链接，并让可用支付方式基于生效配置判断。

Constraint: 支付链接统一通过 qr_content 返回，由前端渲染二维码；按要求不运行测试

Rejected: 微信 Native 与支付宝当面付 | 会引入非当前商户配置所需的额外产品开通

Confidence: high

Scope-risk: moderate

Directive: 微信 H5/MWEB 二维码仅承诺系统相机或外部浏览器扫码链路

Tested: 相关 Go 包编译通过；gofmt 与 git diff --check 通过

Not-tested: 按用户要求未运行自动化测试及真实支付联调

internal/application/agentrecharge/online_creation.go

@@ -28,9 +28,10 @@ type CreateOnlineCommand struct {
 	Amount        int64
 	PaymentMethod string
 	RequestID     string
+	PayerClientIP string
 }
 
-// CreateOnlineResult 返回在线充值单、支付单及原始付款内容。
+// CreateOnlineResult 返回在线充值单、支付单及支付链接。
 type CreateOnlineResult struct {
 	Recharge *model.AgentRechargeRecord
 	Payment  *model.Payment
@@ -55,7 +56,7 @@ func NewOnlineCreationService(db *gorm.DB, wechat, alipay OnlinePaymentPort) *On
 	return &OnlineCreationService{db: db, wechat: wechat, alipay: alipay}
 }
 
-// Execute 以短事务建单，事务外预下单，再条件保存付款内容或关闭失败订单。
+// Execute 以短事务建单，事务外生成支付链接，再条件保存链接或关闭失败订单。
 func (s *OnlineCreationService) Execute(ctx context.Context, command CreateOnlineCommand) (*CreateOnlineResult, error) {
 	if s == nil || s.db == nil || s.wechat == nil || s.alipay == nil {
 		return nil, apperrors.New(apperrors.CodeServiceUnavailable, "代理在线充值能力未配置")
@@ -90,14 +91,15 @@ func (s *OnlineCreationService) Execute(ctx context.Context, command CreateOnlin
 		}
 		return nil, err
 	}
-	paymentResult, err := adapter.PreCreate(ctx, OnlinePaymentRequest{
-		PaymentNo: result.Payment.PaymentNo, Description: "代理主钱包充值", Amount: command.Amount,
-		ExpireAt: *result.Payment.ExpireAt, Config: config,
+	paymentResult, err := adapter.CreatePaymentURL(ctx, OnlinePaymentRequest{
+		PaymentID: result.Payment.ID, PaymentNo: result.Payment.PaymentNo, CorrelationID: result.Payment.PaymentNo,
+		Description: "代理主钱包充值", Amount: command.Amount,
+		ExpireAt: *result.Payment.ExpireAt, PayerClientIP: command.PayerClientIP, Config: config,
 	})
 	if err != nil {
 		if !isUnknownPaymentResult(err) {
 			if closeErr := s.closeFailedCreation(ctx, result); closeErr != nil {
-				return nil, apperrors.Wrap(apperrors.CodeDatabaseError, closeErr, "支付预下单失败且关闭本地订单失败")
+				return nil, apperrors.Wrap(apperrors.CodeDatabaseError, closeErr, "支付链接生成失败且关闭本地订单失败")
 			}
 		}
 		return nil, err
@@ -106,22 +108,22 @@ func (s *OnlineCreationService) Execute(ctx context.Context, command CreateOnlin
 		if closeErr := s.closeFailedCreation(ctx, result); closeErr != nil {
 			return nil, closeErr
 		}
-		return nil, apperrors.New(apperrors.CodeServiceUnavailable, "支付渠道未返回付款内容")
+		return nil, apperrors.New(apperrors.CodeServiceUnavailable, "支付渠道未返回支付链接")
 	}
 	update := s.db.WithContext(ctx).Model(&model.Payment{}).
 		Where("id = ? AND status = ? AND qr_content = ''", result.Payment.ID, model.PaymentRecordStatusPending).
 		Update("qr_content", paymentResult.QRContent)
 	if update.Error != nil {
-		return nil, apperrors.Wrap(apperrors.CodeDatabaseError, update.Error, "保存扫码付款内容失败")
+		return nil, apperrors.Wrap(apperrors.CodeDatabaseError, update.Error, "保存支付链接失败")
 	}
 	if update.RowsAffected != 1 {
-		return nil, apperrors.New(apperrors.CodeConflict, "在线充值付款内容已变化")
+		return nil, apperrors.New(apperrors.CodeConflict, "在线充值支付链接已变化")
 	}
 	result.Payment.QRContent = paymentResult.QRContent
 	return result, nil
 }
 
-// AvailablePaymentMethods 按固定顺序返回配置完整的扫码支付方式。
+// AvailablePaymentMethods 按固定顺序返回配置完整的在线支付方式。
 func (s *OnlineCreationService) AvailablePaymentMethods(ctx context.Context, userType int) (AvailablePaymentMethodsResult, error) {
 	result := AvailablePaymentMethodsResult{
 		Methods: []string{}, MinAmount: constants.AgentOnlineRechargeMinAmount, MaxAmount: constants.AgentRechargeMaxAmount,
@@ -275,7 +277,7 @@ func (s *OnlineCreationService) loadReplay(
 	}
 	if payment.QRContent == "" {
 		if record.Status == constants.RechargeStatusClosed || payment.Status == model.PaymentRecordStatusFailed {
-			return nil, true, apperrors.New(apperrors.CodeInvalidStatus, "原在线充值请求预下单失败")
+			return nil, true, apperrors.New(apperrors.CodeInvalidStatus, "原在线充值请求支付链接生成失败")
 		}
 		return nil, true, apperrors.New(apperrors.CodeConflict, "在线充值请求正在处理中，请稍后重试")
 	}
@@ -283,7 +285,7 @@ func (s *OnlineCreationService) loadReplay(
 }
 
 func (s *OnlineCreationService) closeFailedCreation(ctx context.Context, result *CreateOnlineResult) error {
-	if result == nil || result.Recharge == nil || result.Payment == nil || !domain.CanCloseAfterPreCreateFailure(result.Recharge.Status) {
+	if result == nil || result.Recharge == nil || result.Payment == nil || !domain.CanCloseAfterPaymentURLFailure(result.Recharge.Status) {
 		return nil
 	}
 	return s.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {