docs+feat: 完善 README 帮助内容配置说明，支持多行文字

- README (中/英) 修正 NEXT_PUBLIC_PAY_HELP_* → PAY_HELP_*
- 新增 PAYMENT_PROVIDERS 配置说明（两步配置服务商+渠道）
- 说明帮助图片支持外部 URL 或本地 uploads/ 两种方式
- PAY_HELP_TEXT 支持 \n 换行，渲染为多行段落

README.en.md

@@ -94,12 +94,24 @@ See [`.env.example`](./.env.example) for the full template.
 
 > `DATABASE_URL` is automatically injected by Docker Compose when using the bundled database.
 
-### Payment Methods
+### Payment Providers & Methods
 
-Control which payment methods are enabled via `ENABLED_PAYMENT_TYPES` (comma-separated):
+**Step 1**: Declare which payment providers to load via `PAYMENT_PROVIDERS` (comma-separated):
 
 ```env
-ENABLED_PAYMENT_TYPES=alipay,wxpay,stripe
+# EasyPay only
+PAYMENT_PROVIDERS=easypay
+# Stripe only
+PAYMENT_PROVIDERS=stripe
+# Both
+PAYMENT_PROVIDERS=easypay,stripe
+```
+
+**Step 2**: Control which channels are shown to users via `ENABLED_PAYMENT_TYPES`:
+
+```env
+# EasyPay supports: alipay, wxpay  |  Stripe supports: stripe
+ENABLED_PAYMENT_TYPES=alipay,wxpay
 ```
 
 #### EasyPay (Alipay / WeChat Pay)
@@ -137,10 +149,31 @@ ENABLED_PAYMENT_TYPES=alipay,wxpay,stripe
 
 ### UI Customization (Optional)
 
+Display a support contact image and description on the right side of the payment page.
+
 | Variable | Description |
 |----------|-------------|
-| `NEXT_PUBLIC_PAY_HELP_IMAGE_URL` | Help image URL (e.g. customer service QR code) |
+| `PAY_HELP_IMAGE_URL` | Help image URL — external URL or local path (see below) |
-| `NEXT_PUBLIC_PAY_HELP_TEXT` | Help text displayed on payment page |
+| `PAY_HELP_TEXT` | Help text; use `\n` for line breaks, e.g. `Scan to add WeChat\nMon–Fri 9am–6pm` |
+
+**Two ways to provide the image:**
+
+- **External URL** (recommended — no Compose changes needed): any publicly accessible image link (CDN, OSS, image hosting).
+  ```env
+  PAY_HELP_IMAGE_URL=https://cdn.example.com/help-qr.jpg
+  ```
+
+- **Local file**: place the image in `./uploads/` and reference it as `/uploads/<filename>`.
+  The directory must be mounted in `docker-compose.app.yml` (included by default):
+  ```yaml
+  volumes:
+    - ./uploads:/app/public/uploads:ro
+  ```
+  ```env
+  PAY_HELP_IMAGE_URL=/uploads/help-qr.jpg
+  ```
+
+> Clicking the help image opens it full-screen in the center of the screen.
 
 ### Docker Compose Variables
 

README.md

@@ -94,12 +94,24 @@ docker compose up -d --build
 
 > `DATABASE_URL` 使用自带数据库时由 Compose 自动注入，无需手动填写。
 
-### 支付方式
+### 支付服务商与支付方式
 
-通过 `ENABLED_PAYMENT_TYPES` 控制开启哪些支付方式（逗号分隔）：
+**第一步**：通过 `PAYMENT_PROVIDERS` 声明启用哪些支付服务商（逗号分隔）：
 
 ```env
-ENABLED_PAYMENT_TYPES=alipay,wxpay,stripe
+# 仅易支付
+PAYMENT_PROVIDERS=easypay
+# 仅 Stripe
+PAYMENT_PROVIDERS=stripe
+# 两者都用
+PAYMENT_PROVIDERS=easypay,stripe
+```
+
+**第二步**：通过 `ENABLED_PAYMENT_TYPES` 控制向用户展示哪些支付渠道：
+
+```env
+# 易支付支持: alipay, wxpay；Stripe 支持: stripe
+ENABLED_PAYMENT_TYPES=alipay,wxpay
 ```
 
 #### EasyPay（支付宝 / 微信支付）
@@ -137,10 +149,31 @@ ENABLED_PAYMENT_TYPES=alipay,wxpay,stripe
 
 ### UI 定制（可选）
 
+在充值页面右侧可展示客服联系方式、说明图片等帮助内容。
+
 | 变量 | 说明 |
 |------|------|
-| `NEXT_PUBLIC_PAY_HELP_IMAGE_URL` | 帮助图片 URL（如客服二维码） |
+| `PAY_HELP_IMAGE_URL` | 帮助图片地址（支持外部 URL 或本地路径，见下方说明） |
-| `NEXT_PUBLIC_PAY_HELP_TEXT` | 帮助说明文字 |
+| `PAY_HELP_TEXT` | 帮助说明文字，用 `\n` 换行，如 `扫码加微信\n工作日 9-18 点在线` |
+
+**图片地址两种方式：**
+
+- **外部 URL**（推荐，无需改 Compose 配置）：直接填图片的公网地址，如 OSS / CDN / 图床链接。
+  ```env
+  PAY_HELP_IMAGE_URL=https://cdn.example.com/help-qr.jpg
+  ```
+
+- **本地文件**：将图片放到 `./uploads/` 目录，通过 `/uploads/文件名` 引用。
+  需在 `docker-compose.app.yml` 中挂载目录（默认已包含）：
+  ```yaml
+  volumes:
+    - ./uploads:/app/public/uploads:ro
+  ```
+  ```env
+  PAY_HELP_IMAGE_URL=/uploads/help-qr.jpg
+  ```
+
+> 点击帮助图片可在屏幕中央全屏放大查看。
 
 ### Docker Compose 专用
 

docker-compose.app.yml

@@ -12,4 +12,7 @@ services:
     ports:
       - '${APP_PORT:-3001}:3000'
     env_file: .env
+    volumes:
+      # 宿主机 uploads 目录挂载到 Next.js public/uploads，可通过 /uploads/* 访问
+      - ./uploads:/app/public/uploads:ro
     restart: unless-stopped

docker-compose.prod.yml

@@ -1,6 +1,6 @@
 services:
   app:
-    image: sub2apipay:latest
+    image: touwaeriol/sub2apipay:${IMAGE_TAG:-latest}
     container_name: sub2apipay
     ports:
       - '8087:3000'

src/app/api/user/route.ts

@@ -27,6 +27,8 @@ export async function GET(request: NextRequest) {
         maxAmount: env.MAX_RECHARGE_AMOUNT,
         maxDailyAmount: env.MAX_DAILY_RECHARGE_AMOUNT,
         methodLimits,
+        helpImageUrl: env.PAY_HELP_IMAGE_URL ?? null,
+        helpText: env.PAY_HELP_TEXT ?? null,
       },
     });
   } catch (error) {

src/app/pay/page.tsx

@@ -27,6 +27,8 @@ interface AppConfig {
   maxAmount: number;
   maxDailyAmount: number;
   methodLimits?: Record<string, MethodLimitInfo>;
+  helpImageUrl?: string | null;
+  helpText?: string | null;
 }
 
 function PayContent() {
@@ -59,12 +61,14 @@ function PayContent() {
     maxAmount: 1000,
     maxDailyAmount: 0,
   });
+  const [userNotFound, setUserNotFound] = useState(false);
+  const [helpImageOpen, setHelpImageOpen] = useState(false);
 
   const effectiveUserId = resolvedUserId || userId;
   const isEmbedded = uiMode === 'embedded' && isIframeContext;
   const hasToken = token.length > 0;
-  const helpImageUrl = (process.env.NEXT_PUBLIC_PAY_HELP_IMAGE_URL || '').trim();
+  const helpImageUrl = (config.helpImageUrl || '').trim();
-  const helpText = (process.env.NEXT_PUBLIC_PAY_HELP_TEXT || '').trim();
+  const helpText = (config.helpText || '').trim();
   const hasHelpContent = Boolean(helpImageUrl || helpText);
 
   useEffect(() => {
@@ -86,6 +90,7 @@ function PayContent() {
   const loadUserAndOrders = async () => {
     if (!userId || Number.isNaN(userId) || userId <= 0) return;
 
+    setUserNotFound(false);
     try {
       // 始终获取服务端配置（不含隐私信息）
       const cfgRes = await fetch(`/api/user?user_id=${userId}`);
@@ -98,8 +103,13 @@ function PayContent() {
             maxAmount: cfgData.config.maxAmount ?? 1000,
             maxDailyAmount: cfgData.config.maxDailyAmount ?? 0,
             methodLimits: cfgData.config.methodLimits,
+            helpImageUrl: cfgData.config.helpImageUrl ?? null,
+            helpText: cfgData.config.helpText ?? null,
           });
         }
+      } else if (cfgRes.status === 404) {
+        setUserNotFound(true);
+        return;
       }
 
       // 有 token 时才尝试获取用户详情和订单
@@ -183,6 +193,17 @@ function PayContent() {
     );
   }
 
+  if (userNotFound) {
+    return (
+      <div className={`flex min-h-screen items-center justify-center p-4 ${isDark ? 'bg-slate-950' : 'bg-slate-50'}`}>
+        <div className="text-center text-red-500">
+          <p className="text-lg font-medium">用户不存在</p>
+          <p className="mt-2 text-sm text-gray-500">请检查链接是否正确，或联系管理员</p>
+        </div>
+      </div>
+    );
+  }
+
   const buildScopedUrl = (path: string, forceOrdersTab = false) => {
     const params = new URLSearchParams();
     if (effectiveUserId) params.set('user_id', String(effectiveUserId));
@@ -412,13 +433,16 @@ function PayContent() {
                       <img
                         src={helpImageUrl}
                         alt='help'
-                        className='mt-3 max-h-40 w-full rounded-lg object-contain bg-white/70 p-2'
+                        onClick={() => setHelpImageOpen(true)}
+                        className='mt-3 max-h-40 w-full cursor-zoom-in rounded-lg object-contain bg-white/70 p-2'
                       />
                     )}
                     {helpText && (
-                      <p className={['mt-3 text-sm leading-6', isDark ? 'text-slate-300' : 'text-slate-600'].join(' ')}>
+                      <div className={['mt-3 space-y-1 text-sm leading-6', isDark ? 'text-slate-300' : 'text-slate-600'].join(' ')}>
-                        {helpText}
+                        {helpText.split('\\n').map((line, i) => (
-                      </p>
+                          <p key={i}>{line}</p>
+                        ))}
+                      </div>
                     )}
                   </div>
                 )}
@@ -447,6 +471,20 @@ function PayContent() {
       {step === 'result' && (
         <OrderStatus status={finalStatus} onBack={handleBack} dark={isDark} />
       )}
+
+      {helpImageOpen && helpImageUrl && (
+        <div
+          className="fixed inset-0 z-50 flex items-center justify-center bg-black/75 p-4 backdrop-blur-sm"
+          onClick={() => setHelpImageOpen(false)}
+        >
+          <img
+            src={helpImageUrl}
+            alt='help'
+            className='max-h-[90vh] max-w-full rounded-xl object-contain shadow-2xl'
+            onClick={(e) => e.stopPropagation()}
+          />
+        </div>
+      )}
     </PayPageLayout>
   );
 }

src/components/PaymentForm.tsx

@@ -6,6 +6,8 @@ import { PAYMENT_TYPE_META } from '@/lib/pay-utils';
 export interface MethodLimitInfo {
   available: boolean;
   remaining: number | null;
+  /** 单笔限额，0 = 使用全局 maxAmount */
+  singleMax?: number;
 }
 
 interface PaymentFormProps {
@@ -71,7 +73,9 @@ export default function PaymentForm({
 
   const selectedAmount = amount || 0;
   const isMethodAvailable = !methodLimits || (methodLimits[paymentType]?.available !== false);
-  const isValid = selectedAmount >= minAmount && selectedAmount <= maxAmount && hasValidCentPrecision(selectedAmount) && isMethodAvailable;
+  const methodSingleMax = methodLimits?.[paymentType]?.singleMax;
+  const effectiveMax = (methodSingleMax !== undefined && methodSingleMax > 0) ? methodSingleMax : maxAmount;
+  const isValid = selectedAmount >= minAmount && selectedAmount <= effectiveMax && hasValidCentPrecision(selectedAmount) && isMethodAvailable;
 
   const handleSubmit = async (e: React.FormEvent) => {
     e.preventDefault();
@@ -90,14 +94,9 @@ export default function PaymentForm({
     if (type === 'wxpay') {
       return (
         <span className="flex h-8 w-8 items-center justify-center rounded-full bg-[#2BB741] text-white">
-          <svg viewBox="0 0 24 24" className="h-5 w-5" fill="none">
+          <svg viewBox="0 0 24 24" className="h-5 w-5" fill="currentColor">
-            <path
+            <path d="M10 3C6.13 3 3 5.58 3 8.75c0 1.7.84 3.23 2.17 4.29l-.5 2.21 2.4-1.32c.61.17 1.25.27 1.93.27.22 0 .43-.01.64-.03C9.41 13.72 9 12.88 9 12c0-3.31 3.13-6 7-6 .26 0 .51.01.76.03C15.96 3.98 13.19 3 10 3z" />
-              d="M5 12.5 10.2 17 19 8"
+            <path d="M16 8c-3.31 0-6 2.24-6 5s2.69 5 6 5c.67 0 1.31-.1 1.9-.28l2.1 1.15-.55-2.44C20.77 15.52 22 13.86 22 12c0-2.21-2.69-4-6-4z" />
-              stroke="currentColor"
-              strokeWidth="2.4"
-              strokeLinecap="round"
-              strokeLinejoin="round"
-            />
           </svg>
         </span>
       );
@@ -151,7 +150,7 @@ export default function PaymentForm({
           充值金额
         </label>
         <div className="grid grid-cols-3 gap-2">
-          {QUICK_AMOUNTS.filter((val) => val <= maxAmount).map((val) => (
+          {QUICK_AMOUNTS.filter((val) => val <= effectiveMax).map((val) => (
             <button
               key={val}
               type="button"
@@ -188,10 +187,10 @@ export default function PaymentForm({
             inputMode="decimal"
             step="0.01"
             min={minAmount}
-            max={maxAmount}
+            max={effectiveMax}
             value={customAmount}
             onChange={(e) => handleCustomAmountChange(e.target.value)}
-            placeholder={`${minAmount} - ${maxAmount}`}
+            placeholder={`${minAmount} - ${effectiveMax}`}
             className={[
               'w-full rounded-lg border py-3 pl-8 pr-4 focus:border-blue-500 focus:outline-none focus:ring-1 focus:ring-blue-500',
               dark ? 'border-slate-700 bg-slate-900 text-slate-100' : 'border-gray-300 bg-white text-gray-900',
@@ -205,7 +204,7 @@ export default function PaymentForm({
         let msg = '金额需在范围内，且最多支持 2 位小数（精确到分）';
         if (!isNaN(num)) {
           if (num < minAmount) msg = `单笔最低充值 ¥${minAmount}`;
-          else if (num > maxAmount) msg = `单笔最高充值 ¥${maxAmount}`;
+          else if (num > effectiveMax) msg = `单笔最高充值 ¥${effectiveMax}`;
         }
         return (
           <div className={['text-xs', dark ? 'text-amber-300' : 'text-amber-700'].join(' ')}>

src/lib/config.ts

@@ -12,7 +12,13 @@ const envSchema = z.object({
   SUB2API_BASE_URL: z.string().url(),
   SUB2API_ADMIN_API_KEY: z.string().min(1),
 
-  // ── Easy-Pay (optional when only using Stripe) ──
+  // ── 支付服务商（显式声明启用哪些服务商，逗号分隔：easypay, stripe） ──
+  PAYMENT_PROVIDERS: z
+    .string()
+    .default('')
+    .transform((v) => v.split(',').map((s) => s.trim().toLowerCase()).filter(Boolean)),
+
+  // ── Easy-Pay（PAYMENT_PROVIDERS 含 easypay 时必填） ──
   EASY_PAY_PID: optionalTrimmedString,
   EASY_PAY_PKEY: optionalTrimmedString,
   EASY_PAY_API_BASE: optionalTrimmedString,
@@ -22,10 +28,13 @@ const envSchema = z.object({
   EASY_PAY_CID_ALIPAY: optionalTrimmedString,
   EASY_PAY_CID_WXPAY: optionalTrimmedString,
 
+  // ── Stripe（PAYMENT_PROVIDERS 含 stripe 时必填） ──
   STRIPE_SECRET_KEY: optionalTrimmedString,
   STRIPE_PUBLISHABLE_KEY: optionalTrimmedString,
   STRIPE_WEBHOOK_SECRET: optionalTrimmedString,
 
+  // ── 启用的支付渠道（在已配置服务商支持的渠道中选择） ──
+  // 易支付支持: alipay, wxpay；Stripe 支持: stripe
   ENABLED_PAYMENT_TYPES: z
     .string()
     .default('alipay,wxpay')
@@ -37,18 +46,18 @@ const envSchema = z.object({
   // 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
+  // 每日各渠道全平台总限额，可选覆盖（0 = 不限制）。
-  // 新增渠道按 MAX_DAILY_AMOUNT_{TYPE大写} 命名即可自动生效
+  // 未设置时由各 PaymentProvider.defaultLimits 提供默认值。
-  MAX_DAILY_AMOUNT_ALIPAY: z.string().default('10000').transform(Number).pipe(z.number().min(0)),
+  MAX_DAILY_AMOUNT_ALIPAY: z.string().optional().transform((v) => (v !== undefined ? Number(v) : undefined)).pipe(z.number().min(0).optional()),
-  MAX_DAILY_AMOUNT_WXPAY: z.string().default('10000').transform(Number).pipe(z.number().min(0)),
+  MAX_DAILY_AMOUNT_WXPAY: z.string().optional().transform((v) => (v !== undefined ? Number(v) : undefined)).pipe(z.number().min(0).optional()),
-  MAX_DAILY_AMOUNT_STRIPE: z.string().default('0').transform(Number).pipe(z.number().min(0)),
+  MAX_DAILY_AMOUNT_STRIPE: z.string().optional().transform((v) => (v !== undefined ? Number(v) : undefined)).pipe(z.number().min(0).optional()),
   PRODUCT_NAME: z.string().default('Sub2API Balance Recharge'),
 
   ADMIN_TOKEN: z.string().min(1),
 
   NEXT_PUBLIC_APP_URL: z.string().url(),
-  NEXT_PUBLIC_PAY_HELP_IMAGE_URL: optionalTrimmedString,
+  PAY_HELP_IMAGE_URL: optionalTrimmedString,
-  NEXT_PUBLIC_PAY_HELP_TEXT: optionalTrimmedString,
+  PAY_HELP_TEXT: optionalTrimmedString,
 });
 
 export type Env = z.infer<typeof envSchema>;

src/lib/easy-pay/provider.ts

@@ -15,6 +15,10 @@ import { getEnv } from '@/lib/config';
 export class EasyPayProvider implements PaymentProvider {
   readonly name = 'easy-pay';
   readonly supportedTypes: PaymentType[] = ['alipay', 'wxpay'];
+  readonly defaultLimits = {
+    alipay: { singleMax: 1000, dailyMax: 10000 },
+    wxpay:  { singleMax: 1000, dailyMax: 10000 },
+  };
 
   async createPayment(request: CreatePaymentRequest): Promise<CreatePaymentResponse> {
     const result = await createPayment({

src/lib/order/limits.ts

@@ -1,17 +1,23 @@
 import { prisma } from '@/lib/db';
 import { getEnv } from '@/lib/config';
+import { initPaymentProviders, paymentRegistry } from '@/lib/payment';
 
 /**
  * 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。
+ * 优先级：环境变量显式配置 > provider 默认值 > process.env 兜底 > 0
  */
 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;
+  if (typeof val === 'number') return val; // 明确配置（含 0）
 
-  // 兜底：支持动态渠道（未在 schema 中声明的 MAX_DAILY_AMOUNT_* 变量）
+  // 尝试从已注册的 provider 取默认值
+  initPaymentProviders();
+  const providerDefault = paymentRegistry.getDefaultLimit(paymentType);
+  if (providerDefault?.dailyMax !== undefined) return providerDefault.dailyMax;
+
+  // 兜底：process.env（支持未在 schema 中声明的动态渠道）
   const raw = process.env[`MAX_DAILY_AMOUNT_${paymentType.toUpperCase()}`];
   if (raw !== undefined) {
     const num = Number(raw);
@@ -20,15 +26,35 @@ export function getMethodDailyLimit(paymentType: string): number {
   return 0; // 默认不限制
 }
 
+/**
+ * 获取指定支付渠道的单笔限额（0 = 使用全局 MAX_RECHARGE_AMOUNT）。
+ * 优先级：process.env MAX_SINGLE_AMOUNT_* > provider 默认值 > 0
+ */
+export function getMethodSingleLimit(paymentType: string): number {
+  const raw = process.env[`MAX_SINGLE_AMOUNT_${paymentType.toUpperCase()}`];
+  if (raw !== undefined) {
+    const num = Number(raw);
+    if (Number.isFinite(num) && num >= 0) return num;
+  }
+
+  initPaymentProviders();
+  const providerDefault = paymentRegistry.getDefaultLimit(paymentType);
+  if (providerDefault?.singleMax !== undefined) return providerDefault.singleMax;
+
+  return 0; // 使用全局 MAX_RECHARGE_AMOUNT
+}
+
 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 */
+  /** 剩余每日额度，null = 不限 */
   remaining: number | null;
   /** 是否还可使用（false = 今日额度已满） */
   available: boolean;
+  /** 单笔限额，0 = 使用全局配置 MAX_RECHARGE_AMOUNT */
+  singleMax: number;
 }
 
 /**
@@ -58,6 +84,7 @@ export async function queryMethodLimits(
   const result: Record<string, MethodLimitStatus> = {};
   for (const type of paymentTypes) {
     const dailyLimit = getMethodDailyLimit(type);
+    const singleMax = getMethodSingleLimit(type);
     const used = usageMap[type] ?? 0;
     const remaining = dailyLimit > 0 ? Math.max(0, dailyLimit - used) : null;
     result[type] = {
@@ -65,6 +92,7 @@ export async function queryMethodLimits(
       used,
       remaining,
       available: dailyLimit === 0 || used < dailyLimit,
+      singleMax,
     };
   }
   return result;

src/lib/payment/index.ts

@@ -19,10 +19,21 @@ let initialized = false;
 
 export function initPaymentProviders(): void {
   if (initialized) return;
-  paymentRegistry.register(new EasyPayProvider());
 
   const env = getEnv();
-  if (env.STRIPE_SECRET_KEY) {
+  const providers = env.PAYMENT_PROVIDERS;
+
+  if (providers.includes('easypay')) {
+    if (!env.EASY_PAY_PID || !env.EASY_PAY_PKEY) {
+      throw new Error('PAYMENT_PROVIDERS 含 easypay，但缺少 EASY_PAY_PID 或 EASY_PAY_PKEY');
+    }
+    paymentRegistry.register(new EasyPayProvider());
+  }
+
+  if (providers.includes('stripe')) {
+    if (!env.STRIPE_SECRET_KEY) {
+      throw new Error('PAYMENT_PROVIDERS 含 stripe，但缺少 STRIPE_SECRET_KEY');
+    }
     paymentRegistry.register(new StripeProvider());
   }
 

src/lib/payment/registry.ts

@@ -1,4 +1,4 @@
-import type { PaymentProvider, PaymentType } from './types';
+import type { PaymentProvider, PaymentType, MethodDefaultLimits } from './types';
 
 export class PaymentProviderRegistry {
   private providers = new Map<PaymentType, PaymentProvider>();
@@ -24,6 +24,12 @@ export class PaymentProviderRegistry {
   getSupportedTypes(): PaymentType[] {
     return Array.from(this.providers.keys());
   }
+
+  /** 获取指定渠道的提供商默认限额（未注册时返回 undefined） */
+  getDefaultLimit(type: string): MethodDefaultLimits | undefined {
+    const provider = this.providers.get(type as PaymentType);
+    return provider?.defaultLimits?.[type];
+  }
 }
 
 export const paymentRegistry = new PaymentProviderRegistry();

src/lib/payment/types.ts

@@ -51,10 +51,20 @@ export interface RefundResponse {
   status: 'success' | 'pending' | 'failed';
 }
 
+/** Per-method default limits declared by the provider */
+export interface MethodDefaultLimits {
+  /** 单笔最大金额，0 = 不限（使用全局 MAX_RECHARGE_AMOUNT） */
+  singleMax?: number;
+  /** 每日全平台最大金额，0 = 不限 */
+  dailyMax?: number;
+}
+
 /** Common interface that all payment providers must implement */
 export interface PaymentProvider {
   readonly name: string;
   readonly supportedTypes: PaymentType[];
+  /** 各渠道默认限额，key 为 PaymentType（如 'alipay'），可被环境变量覆盖 */
+  readonly defaultLimits?: Record<string, MethodDefaultLimits>;
 
   createPayment(request: CreatePaymentRequest): Promise<CreatePaymentResponse>;
   queryOrder(tradeNo: string): Promise<QueryOrderResponse>;

src/lib/stripe/provider.ts

@@ -15,6 +15,9 @@ import type {
 export class StripeProvider implements PaymentProvider {
   readonly name = 'stripe';
   readonly supportedTypes: PaymentType[] = ['stripe'];
+  readonly defaultLimits = {
+    stripe: { singleMax: 0, dailyMax: 0 }, // 0 = unlimited
+  };
 
   private client: Stripe | null = null;