refactor: 优化后端支付与微信支付

- 优化payment/config.py、wechat_pay.py
- 优化routers/payment.py、plans.py、quota.py、websocket.py
- 更新main.py、.env.production

Co-authored-by: Cursor <cursoragent@cursor.com>

api/routers/payment.py

@@ -3,11 +3,23 @@
 处理订单创建、支付回调、订单状态查询
 """
 import asyncio
+import json
+import time
+import traceback
 import uuid
 import logging
 from datetime import timedelta
 from typing import List
 
+# #region agent log
+def _debug_log(location: str, message: str, data: dict, hypothesis_id: str):
+    try:
+        with open("/Users/zuckxu/PycharmProjects/life-echo/.cursor/debug.log", "a", encoding="utf-8") as f:
+            f.write(json.dumps({"id": f"log_{int(time.time()*1000)}", "timestamp": int(time.time() * 1000), "location": location, "message": message, "data": data, "hypothesisId": hypothesis_id}, ensure_ascii=False) + "\n")
+    except Exception:
+        pass
+# #endregion
+
 from fastapi import APIRouter, Depends, Request, HTTPException
 from fastapi.responses import PlainTextResponse
 from sqlalchemy import select
@@ -24,7 +36,7 @@ from payment.schemas import (
     OrderListResponse,
 )
 from payment.exceptions import PaymentError
-from routers.plans import get_plan_by_type, AVAILABLE_PLANS
+from routers.plans import get_plan_by_type, get_plans_for_api
 
 logger = logging.getLogger(__name__)
 
@@ -51,6 +63,7 @@ SUBSCRIPTION_DURATION_DAYS = {
     "pro": 365,       # Pro 版一年
     "pro_plus": 365,  # Pro+ 版一年
     "premium": 365,   # 兼容旧高级版
+    "test": 365,      # 一分钱测试版（仅开发环境）
 }
 
 
@@ -74,9 +87,9 @@ async def create_order(
     - plan_id: 套餐 ID（如 premium）
     - payment_method: 支付方式（wechat / alipay）
     """
-    # 验证套餐
+    # 验证套餐（含 ENABLE_TEST_PLAN 时的「一分钱测试版」）
     plan = None
-    for p in AVAILABLE_PLANS:
+    for p in get_plans_for_api():
         if p.id == request.plan_id:
             plan = p
             break
@@ -127,20 +140,79 @@ async def create_order(
     await db.flush()
 
     # 调用支付服务创建预支付订单（同步的微信/支付宝 SDK 会发 HTTP，放到线程池避免阻塞事件循环导致超时）
+    # 预支付超时时间（秒），便于区分「后端超时」与「客户端超时」
+    PREPAY_TIMEOUT_SEC = 25
+    # 微信客户端首次初始化可能较慢（读密钥、构造 SDK、或 SDK 内部建连），多 worker 时 startup 预初始化可能未在本进程执行，故在下单前先确保本进程内已初始化
+    WECHAT_INIT_TIMEOUT_SEC = 35
+
+    # #region agent log
+    _debug_log("routers/payment.py:create_order", "create_order_prepay_start", {"order_no": order_no, "payment_method": request.payment_method, "plan_id": request.plan_id}, "H2,H3,H5")
+    # #endregion
+    if request.payment_method == "wechat":
+        try:
+            await asyncio.wait_for(
+                asyncio.to_thread(payment_service.wechat_client.ensure_client),
+                timeout=WECHAT_INIT_TIMEOUT_SEC,
+            )
+        except asyncio.TimeoutError:
+            order.status = "failed"
+            await db.flush()
+            logger.error("微信支付客户端初始化超时（%s 秒）, order_no=%s", WECHAT_INIT_TIMEOUT_SEC, order_no)
+            raise HTTPException(status_code=504, detail="微信支付初始化超时，请稍后重试。")
+        except Exception as e:
+            # 未配置或初始化失败（如私钥错误），直接返回 503
+            order.status = "failed"
+            await db.flush()
+            logger.exception("微信支付客户端初始化失败: %s", e)
+            raise HTTPException(status_code=503, detail=f"微信支付暂不可用: {e!s}")
     try:
-        payment_result = await asyncio.to_thread(
-            payment_service.create_payment,
-            request.payment_method,
-            order_no,
-            amount_fen,
-            f"往事拾遗 - {plan.display_name}",
+        payment_result = await asyncio.wait_for(
+            asyncio.to_thread(
+                payment_service.create_payment,
+                request.payment_method,
+                order_no,
+                amount_fen,
+                f"往事拾遗 - {plan.display_name}",
+            ),
+            timeout=PREPAY_TIMEOUT_SEC,
         )
-    except PaymentError as e:
-        # 支付下单失败，更新订单状态
+    except asyncio.TimeoutError:
+        # #region agent log
+        _debug_log("routers/payment.py:create_order", "create_order_prepay_timeout", {"order_no": order_no, "payment_method": request.payment_method}, "H1,H2,H3,H4")
+        # #endregion
         order.status = "failed"
         await db.flush()
-        logger.error(f"创建支付订单失败: {e.message}")
+        logger.error(
+            "创建支付订单超时: 预支付请求在 %s 秒内未返回, plan_id=%s, payment_method=%s, order_no=%s",
+            PREPAY_TIMEOUT_SEC,
+            request.plan_id,
+            request.payment_method,
+            order_no,
+        )
+        raise HTTPException(
+            status_code=504,
+            detail="创建预支付超时，请检查网络或稍后重试。若为微信支付，请确认商户配置与网络可达微信服务器。",
+        )
+    except PaymentError as e:
+        order.status = "failed"
+        await db.flush()
+        logger.error("创建支付订单失败(PaymentError): %s", e.message)
         raise HTTPException(status_code=500, detail=f"创建支付订单失败: {e.message}")
+    except Exception as e:
+        order.status = "failed"
+        await db.flush()
+        full_tb = traceback.format_exc()
+        logger.exception(
+            "创建支付订单异常: %s, plan_id=%s, payment_method=%s, order_no=%s\n%s",
+            e,
+            request.plan_id,
+            request.payment_method,
+            order_no,
+            full_tb,
+        )
+        # 返回详尽错误信息便于客户端 debug（类型 + 消息）
+        detail_msg = f"创建支付订单异常: {type(e).__name__}: {e!s}"
+        raise HTTPException(status_code=500, detail=detail_msg)
 
     logger.info(f"订单创建成功: {order_no}, 方式: {request.payment_method}, 金额: {amount_fen}分")