feat: 支付渠道每日限额（渠道维度全平台统计）

- config.ts：新增 MAX_DAILY_AMOUNT_ALIPAY/WXPAY/STRIPE（默认 alipay/wxpay 各 1w，stripe 不限）
- lib/order/limits.ts：getMethodDailyLimit + queryMethodLimits 共用工具，支持动态渠道兜底
- order/service.ts：createOrder 校验渠道限额，超限抛 METHOD_DAILY_LIMIT_EXCEEDED
- api/limits/route.ts：公开接口 GET /api/limits，返回各渠道今日用量/剩余/是否可用
- api/user/route.ts：config 响应中加入 methodLimits，前端一次请求即可获取限额状态
- PaymentForm.tsx：额度已满的渠道置灰 + 标注「今日额度已满」，无法选择
- pay/page.tsx：AppConfig 加 methodLimits，传给 PaymentForm，新增错误码映射

src/app/api/limits/route.ts

@@ -0,0 +1,31 @@
+import { NextResponse } from 'next/server';
+import { getEnv } from '@/lib/config';
+import { queryMethodLimits } from '@/lib/order/limits';
+
+/**
+ * GET /api/limits
+ * 返回各支付渠道今日限额使用情况，公开接口（无需鉴权）。
+ *
+ * Response:
+ * {
+ *   methods: {
+ *     alipay: { dailyLimit: 10000, used: 3500, remaining: 6500, available: true },
+ *     wxpay:  { dailyLimit: 10000, used: 10000, remaining: 0,    available: false },
+ *     stripe: { dailyLimit: 0,     used: 500,  remaining: null,  available: true }
+ *   },
+ *   resetAt: "2026-03-02T00:00:00.000Z"  // UTC 次日零点（限额重置时间）
+ * }
+ */
+export async function GET() {
+  const env = getEnv();
+  const types = env.ENABLED_PAYMENT_TYPES;
+
+  const todayStart = new Date();
+  todayStart.setUTCHours(0, 0, 0, 0);
+  const resetAt = new Date(todayStart);
+  resetAt.setUTCDate(resetAt.getUTCDate() + 1);
+
+  const methods = await queryMethodLimits(types);
+
+  return NextResponse.json({ methods, resetAt });
+}

src/app/api/user/route.ts

@@ -1,6 +1,7 @@
 import { NextRequest, NextResponse } from 'next/server';
 import { getUser } from '@/lib/sub2api/client';
 import { getEnv } from '@/lib/config';
+import { queryMethodLimits } from '@/lib/order/limits';
 
 export async function GET(request: NextRequest) {
   const userId = Number(request.nextUrl.searchParams.get('user_id'));
@@ -10,7 +11,10 @@ export async function GET(request: NextRequest) {
 
   try {
     const env = getEnv();
-    const user = await getUser(userId);
+    const [user, methodLimits] = await Promise.all([
+      getUser(userId),
+      queryMethodLimits(env.ENABLED_PAYMENT_TYPES),
+    ]);
 
     return NextResponse.json({
       user: {
@@ -22,6 +26,7 @@ export async function GET(request: NextRequest) {
         minAmount: env.MIN_RECHARGE_AMOUNT,
         maxAmount: env.MAX_RECHARGE_AMOUNT,
         maxDailyAmount: env.MAX_DAILY_RECHARGE_AMOUNT,
+        methodLimits,
       },
     });
   } catch (error) {

src/app/pay/page.tsx

@@ -8,6 +8,7 @@ import OrderStatus from '@/components/OrderStatus';
 import PayPageLayout from '@/components/PayPageLayout';
 import MobileOrderList from '@/components/MobileOrderList';
 import { detectDeviceIsMobile, type UserInfo, type MyOrder } from '@/lib/pay-utils';
+import type { MethodLimitInfo } from '@/components/PaymentForm';
 
 interface OrderResult {
   orderId: string;
@@ -25,6 +26,7 @@ interface AppConfig {
   minAmount: number;
   maxAmount: number;
   maxDailyAmount: number;
+  methodLimits?: Record<string, MethodLimitInfo>;
 }
 
 function PayContent() {
@@ -54,7 +56,7 @@ function PayContent() {
   const [config, setConfig] = useState<AppConfig>({
     enabledPaymentTypes: ['alipay', 'wxpay', 'stripe'],
     minAmount: 1,
-    maxAmount: 10000,
+    maxAmount: 1000,
     maxDailyAmount: 0,
   });
 
@@ -90,7 +92,13 @@ function PayContent() {
       if (cfgRes.ok) {
         const cfgData = await cfgRes.json();
         if (cfgData.config) {
-          setConfig(cfgData.config);
+          setConfig({
+            enabledPaymentTypes: cfgData.config.enabledPaymentTypes ?? ['alipay', 'wxpay'],
+            minAmount: cfgData.config.minAmount ?? 1,
+            maxAmount: cfgData.config.maxAmount ?? 1000,
+            maxDailyAmount: cfgData.config.maxDailyAmount ?? 0,
+            methodLimits: cfgData.config.methodLimits,
+          });
         }
       }
 
@@ -212,6 +220,7 @@ function PayContent() {
           TOO_MANY_PENDING: '您有过多待支付订单，请先完成或取消现有订单后再试',
           USER_NOT_FOUND: '用户不存在，请检查链接是否正确',
           DAILY_LIMIT_EXCEEDED: data.error,
+          METHOD_DAILY_LIMIT_EXCEEDED: data.error,
           PAYMENT_GATEWAY_ERROR: data.error,
         };
         setError(codeMessages[data.code] || data.error || '创建订单失败');
@@ -350,6 +359,7 @@ function PayContent() {
                 userName={userInfo?.username}
                 userBalance={userInfo?.balance}
                 enabledPaymentTypes={config.enabledPaymentTypes}
+                methodLimits={config.methodLimits}
                 minAmount={config.minAmount}
                 maxAmount={config.maxAmount}
                 onSubmit={handleSubmit}

src/components/PaymentForm.tsx

@@ -3,11 +3,17 @@
 import { useState } from 'react';
 import { PAYMENT_TYPE_META } from '@/lib/pay-utils';
 
+export interface MethodLimitInfo {
+  available: boolean;
+  remaining: number | null;
+}
+
 interface PaymentFormProps {
   userId: number;
   userName?: string;
   userBalance?: number;
   enabledPaymentTypes: string[];
+  methodLimits?: Record<string, MethodLimitInfo>;
   minAmount: number;
   maxAmount: number;
   onSubmit: (amount: number, paymentType: string) => Promise<void>;
@@ -27,6 +33,7 @@ export default function PaymentForm({
   userName,
   userBalance,
   enabledPaymentTypes,
+  methodLimits,
   minAmount,
   maxAmount,
   onSubmit,
@@ -63,7 +70,8 @@ export default function PaymentForm({
   };
 
   const selectedAmount = amount || 0;
-  const isValid = selectedAmount >= minAmount && selectedAmount <= maxAmount && hasValidCentPrecision(selectedAmount);
+  const isMethodAvailable = !methodLimits || (methodLimits[paymentType]?.available !== false);
+  const isValid = selectedAmount >= minAmount && selectedAmount <= maxAmount && hasValidCentPrecision(selectedAmount) && isMethodAvailable;
 
   const handleSubmit = async (e: React.FormEvent) => {
     e.preventDefault();
@@ -215,36 +223,59 @@ export default function PaymentForm({
           {enabledPaymentTypes.map((type) => {
             const meta = PAYMENT_TYPE_META[type];
             const isSelected = paymentType === type;
+            const limitInfo = methodLimits?.[type];
+            const isUnavailable = limitInfo !== undefined && !limitInfo.available;
+
             return (
               <button
                 key={type}
                 type="button"
-                onClick={() => setPaymentType(type)}
+                disabled={isUnavailable}
-                className={`flex h-[58px] flex-1 items-center justify-center rounded-lg border px-3 transition-all ${
+                onClick={() => !isUnavailable && setPaymentType(type)}
-                  isSelected
+                title={isUnavailable ? '今日充值额度已满，请使用其他支付方式' : undefined}
-                    ? `${meta?.selectedBorder || 'border-blue-500'} ${meta?.selectedBg || 'bg-blue-50'} text-slate-900 shadow-sm`
+                className={[
-                    : dark
+                  'relative flex h-[58px] flex-1 flex-col items-center justify-center rounded-lg border px-3 transition-all',
-                      ? 'border-slate-700 bg-slate-900 text-slate-200 hover:border-slate-500'
+                  isUnavailable
-                      : 'border-gray-300 bg-white text-slate-700 hover:border-gray-400'
+                    ? dark
-                }`}
+                      ? 'cursor-not-allowed border-slate-700 bg-slate-800/50 opacity-50'
+                      : 'cursor-not-allowed border-gray-200 bg-gray-50 opacity-50'
+                    : isSelected
+                      ? `${meta?.selectedBorder || 'border-blue-500'} ${meta?.selectedBg || 'bg-blue-50'} text-slate-900 shadow-sm`
+                      : dark
+                        ? 'border-slate-700 bg-slate-900 text-slate-200 hover:border-slate-500'
+                        : 'border-gray-300 bg-white text-slate-700 hover:border-gray-400',
+                ].join(' ')}
               >
                 <span className="flex items-center gap-2">
                   {renderPaymentIcon(type)}
                   <span className="flex flex-col items-start leading-none">
                     <span className="text-xl font-semibold tracking-tight">{meta?.label || type}</span>
-                    {meta?.sublabel && (
+                    {isUnavailable ? (
+                      <span className="text-[10px] tracking-wide text-red-400">今日额度已满</span>
+                    ) : meta?.sublabel ? (
                       <span
                         className={`text-[10px] tracking-wide ${dark && !isSelected ? 'text-slate-400' : 'text-slate-600'}`}
                       >
                         {meta.sublabel}
                       </span>
-                    )}
+                    ) : null}
                   </span>
                 </span>
               </button>
             );
           })}
         </div>
+
+        {/* 当前选中渠道额度不足时的提示 */}
+        {(() => {
+          const limitInfo = methodLimits?.[paymentType];
+          if (!limitInfo || limitInfo.available) return null;
+          return (
+            <p className={['mt-2 text-xs', dark ? 'text-amber-300' : 'text-amber-600'].join(' ')}>
+              所选支付方式今日额度已满，请切换到其他支付方式
+            </p>
+          );
+        })()}
       </div>
 
       {/* Submit */}

src/lib/config.ts

@@ -36,6 +36,12 @@ const envSchema = z.object({
   MAX_RECHARGE_AMOUNT: z.string().default('1000').transform(Number).pipe(z.number().positive()),
   // 每日每用户最大累计充值额，0 = 不限制
   MAX_DAILY_RECHARGE_AMOUNT: z.string().default('10000').transform(Number).pipe(z.number().min(0)),
+
+  // 每日各渠道全平台总限额，0 = 不限制
+  // 新增渠道按 MAX_DAILY_AMOUNT_{TYPE大写} 命名即可自动生效
+  MAX_DAILY_AMOUNT_ALIPAY: z.string().default('10000').transform(Number).pipe(z.number().min(0)),
+  MAX_DAILY_AMOUNT_WXPAY: z.string().default('10000').transform(Number).pipe(z.number().min(0)),
+  MAX_DAILY_AMOUNT_STRIPE: z.string().default('0').transform(Number).pipe(z.number().min(0)),
   PRODUCT_NAME: z.string().default('Sub2API Balance Recharge'),
 
   ADMIN_TOKEN: z.string().min(1),

src/lib/order/limits.ts

@@ -0,0 +1,71 @@
+import { prisma } from '@/lib/db';
+import { getEnv } from '@/lib/config';
+
+/**
+ * 获取指定支付渠道的每日全平台限额（0 = 不限制）。
+ * 优先读 config（Zod 验证），兜底读 process.env，适配未来动态注册的新渠道。
+ */
+export function getMethodDailyLimit(paymentType: string): number {
+  const env = getEnv();
+  const key = `MAX_DAILY_AMOUNT_${paymentType.toUpperCase()}` as keyof typeof env;
+  const val = env[key];
+  if (typeof val === 'number') return val;
+
+  // 兜底：支持动态渠道（未在 schema 中声明的 MAX_DAILY_AMOUNT_* 变量）
+  const raw = process.env[`MAX_DAILY_AMOUNT_${paymentType.toUpperCase()}`];
+  if (raw !== undefined) {
+    const num = Number(raw);
+    return Number.isFinite(num) && num >= 0 ? num : 0;
+  }
+  return 0; // 默认不限制
+}
+
+export interface MethodLimitStatus {
+  /** 每日限额，0 = 不限 */
+  dailyLimit: number;
+  /** 今日已使用金额 */
+  used: number;
+  /** 剩余额度，null = 不限 */
+  remaining: number | null;
+  /** 是否还可使用（false = 今日额度已满） */
+  available: boolean;
+}
+
+/**
+ * 批量查询多个支付渠道的今日使用情况。
+ * 一次 DB groupBy 完成，调用方按需传入渠道列表。
+ */
+export async function queryMethodLimits(
+  paymentTypes: string[],
+): Promise<Record<string, MethodLimitStatus>> {
+  const todayStart = new Date();
+  todayStart.setUTCHours(0, 0, 0, 0);
+
+  const usageRows = await prisma.order.groupBy({
+    by: ['paymentType'],
+    where: {
+      paymentType: { in: paymentTypes },
+      status: { in: ['PAID', 'RECHARGING', 'COMPLETED'] },
+      paidAt: { gte: todayStart },
+    },
+    _sum: { amount: true },
+  });
+
+  const usageMap = Object.fromEntries(
+    usageRows.map((r) => [r.paymentType, Number(r._sum.amount ?? 0)]),
+  );
+
+  const result: Record<string, MethodLimitStatus> = {};
+  for (const type of paymentTypes) {
+    const dailyLimit = getMethodDailyLimit(type);
+    const used = usageMap[type] ?? 0;
+    const remaining = dailyLimit > 0 ? Math.max(0, dailyLimit - used) : null;
+    result[type] = {
+      dailyLimit,
+      used,
+      remaining,
+      available: dailyLimit === 0 || used < dailyLimit,
+    };
+  }
+  return result;
+}

src/lib/order/service.ts

@@ -1,6 +1,7 @@
 import { prisma } from '@/lib/db';
 import { getEnv } from '@/lib/config';
 import { generateRechargeCode } from './code-gen';
+import { getMethodDailyLimit } from './limits';
 import { initPaymentProviders, paymentRegistry } from '@/lib/payment';
 import type { PaymentType, PaymentNotification } from '@/lib/payment';
 import { getUser, createAndRedeem, subtractBalance } from '@/lib/sub2api/client';
@@ -67,6 +68,32 @@ export async function createOrder(input: CreateOrderInput): Promise<CreateOrderR
     }
   }
 
+  // 渠道每日全平台限额校验（0 = 不限）
+  const methodDailyLimit = getMethodDailyLimit(input.paymentType);
+  if (methodDailyLimit > 0) {
+    const todayStart = new Date();
+    todayStart.setUTCHours(0, 0, 0, 0);
+    const methodAgg = await prisma.order.aggregate({
+      where: {
+        paymentType: input.paymentType,
+        status: { in: ['PAID', 'RECHARGING', 'COMPLETED'] },
+        paidAt: { gte: todayStart },
+      },
+      _sum: { amount: true },
+    });
+    const methodUsed = Number(methodAgg._sum.amount ?? 0);
+    if (methodUsed + input.amount > methodDailyLimit) {
+      const remaining = Math.max(0, methodDailyLimit - methodUsed);
+      throw new OrderError(
+        'METHOD_DAILY_LIMIT_EXCEEDED',
+        remaining > 0
+          ? `${input.paymentType} 今日剩余额度 ${remaining.toFixed(2)} 元，请减少充值金额或使用其他支付方式`
+          : `${input.paymentType} 今日充值额度已满，请使用其他支付方式`,
+        429,
+      );
+    }
+  }
+
   const expiresAt = new Date(Date.now() + env.ORDER_TIMEOUT_MINUTES * 60 * 1000);
   const order = await prisma.order.create({
     data: {