fix: gofmt formatting across all Go source files

backend/internal/service/account.go

@@ -1533,39 +1533,48 @@ func (a *Account) QuotaNotifyConfig(dim string) (enabled bool, threshold float64
 }
 
 func (a *Account) GetQuotaNotifyDailyEnabled() bool {
-	e, _, _ := a.QuotaNotifyConfig(quotaDimDaily); return e
+	e, _, _ := a.QuotaNotifyConfig(quotaDimDaily)
+	return e
 }
 
 func (a *Account) GetQuotaNotifyDailyThreshold() float64 {
-	_, t, _ := a.QuotaNotifyConfig(quotaDimDaily); return t
+	_, t, _ := a.QuotaNotifyConfig(quotaDimDaily)
+	return t
 }
 
 func (a *Account) GetQuotaNotifyDailyThresholdType() string {
-	_, _, tt := a.QuotaNotifyConfig(quotaDimDaily); return tt
+	_, _, tt := a.QuotaNotifyConfig(quotaDimDaily)
+	return tt
 }
 
 func (a *Account) GetQuotaNotifyWeeklyEnabled() bool {
-	e, _, _ := a.QuotaNotifyConfig(quotaDimWeekly); return e
+	e, _, _ := a.QuotaNotifyConfig(quotaDimWeekly)
+	return e
 }
 
 func (a *Account) GetQuotaNotifyWeeklyThreshold() float64 {
-	_, t, _ := a.QuotaNotifyConfig(quotaDimWeekly); return t
+	_, t, _ := a.QuotaNotifyConfig(quotaDimWeekly)
+	return t
 }
 
 func (a *Account) GetQuotaNotifyWeeklyThresholdType() string {
-	_, _, tt := a.QuotaNotifyConfig(quotaDimWeekly); return tt
+	_, _, tt := a.QuotaNotifyConfig(quotaDimWeekly)
+	return tt
 }
 
 func (a *Account) GetQuotaNotifyTotalEnabled() bool {
-	e, _, _ := a.QuotaNotifyConfig(quotaDimTotal); return e
+	e, _, _ := a.QuotaNotifyConfig(quotaDimTotal)
+	return e
 }
 
 func (a *Account) GetQuotaNotifyTotalThreshold() float64 {
-	_, t, _ := a.QuotaNotifyConfig(quotaDimTotal); return t
+	_, t, _ := a.QuotaNotifyConfig(quotaDimTotal)
+	return t
 }
 
 func (a *Account) GetQuotaNotifyTotalThresholdType() string {
-	_, _, tt := a.QuotaNotifyConfig(quotaDimTotal); return tt
+	_, _, tt := a.QuotaNotifyConfig(quotaDimTotal)
+	return tt
 }
 
 // nextFixedDailyReset 计算在 after 之后的下一个每日固定重置时间点

backend/internal/service/payment_config_providers.go

@@ -30,6 +30,7 @@ type ProviderInstanceResponse struct {
 	Limits          string            `json:"limits"`
 	Enabled         bool              `json:"enabled"`
 	RefundEnabled   bool              `json:"refund_enabled"`
+	AllowUserRefund bool              `json:"allow_user_refund"`
 	SortOrder       int               `json:"sort_order"`
 	PaymentMode     string            `json:"payment_mode"`
 }
@@ -46,8 +47,8 @@ func (s *PaymentConfigService) ListProviderInstancesWithConfig(ctx context.Conte
 		resp := ProviderInstanceResponse{
 			ID: int64(inst.ID), ProviderKey: inst.ProviderKey, Name: inst.Name,
 			SupportedTypes: splitTypes(inst.SupportedTypes), Limits: inst.Limits,
-			Enabled: inst.Enabled, RefundEnabled: inst.RefundEnabled, SortOrder: inst.SortOrder,
-			PaymentMode: inst.PaymentMode,
+			Enabled: inst.Enabled, RefundEnabled: inst.RefundEnabled, AllowUserRefund: inst.AllowUserRefund,
+			SortOrder: inst.SortOrder, PaymentMode: inst.PaymentMode,
 		}
 		resp.Config, err = s.decryptAndMaskConfig(inst.Config)
 		if err != nil {
@@ -110,10 +111,12 @@ func (s *PaymentConfigService) CreateProviderInstance(ctx context.Context, req C
 	if err != nil {
 		return nil, err
 	}
+	allowUserRefund := req.AllowUserRefund && req.RefundEnabled
 	return s.entClient.PaymentProviderInstance.Create().
 		SetProviderKey(req.ProviderKey).SetName(req.Name).SetConfig(enc).
 		SetSupportedTypes(typesStr).SetEnabled(req.Enabled).SetPaymentMode(req.PaymentMode).
 		SetSortOrder(req.SortOrder).SetLimits(req.Limits).SetRefundEnabled(req.RefundEnabled).
+		SetAllowUserRefund(allowUserRefund).
 		Save(ctx)
 }
 
@@ -221,6 +224,21 @@ func (s *PaymentConfigService) UpdateProviderInstance(ctx context.Context, id in
 	}
 	if req.RefundEnabled != nil {
 		u.SetRefundEnabled(*req.RefundEnabled)
+		// Cascade: turning off refund_enabled also disables allow_user_refund
+		if !*req.RefundEnabled {
+			u.SetAllowUserRefund(false)
+		}
+	}
+	if req.AllowUserRefund != nil {
+		// Only allow enabling when refund_enabled is true
+		if *req.AllowUserRefund {
+			inst, err := s.entClient.PaymentProviderInstance.Get(ctx, id)
+			if err == nil && inst.RefundEnabled {
+				u.SetAllowUserRefund(true)
+			}
+		} else {
+			u.SetAllowUserRefund(false)
+		}
 	}
 	if req.PaymentMode != nil {
 		u.SetPaymentMode(*req.PaymentMode)
@@ -228,6 +246,23 @@ func (s *PaymentConfigService) UpdateProviderInstance(ctx context.Context, id in
 	return u.Save(ctx)
 }
 
+// GetUserRefundEligibleInstanceIDs returns provider instance IDs that allow user refund.
+func (s *PaymentConfigService) GetUserRefundEligibleInstanceIDs(ctx context.Context) ([]string, error) {
+	instances, err := s.entClient.PaymentProviderInstance.Query().
+		Where(
+			paymentproviderinstance.AllowUserRefundEQ(true),
+			paymentproviderinstance.RefundEnabledEQ(true),
+		).Select(paymentproviderinstance.FieldID).All(ctx)
+	if err != nil {
+		return nil, err
+	}
+	ids := make([]string, 0, len(instances))
+	for _, inst := range instances {
+		ids = append(ids, strconv.FormatInt(int64(inst.ID), 10))
+	}
+	return ids, nil
+}
+
 func (s *PaymentConfigService) mergeConfig(ctx context.Context, id int64, newConfig map[string]string) (map[string]string, error) {
 	inst, err := s.entClient.PaymentProviderInstance.Get(ctx, id)
 	if err != nil {

backend/internal/service/payment_config_service.go

@@ -114,6 +114,7 @@ type CreateProviderInstanceRequest struct {
 	SortOrder       int               `json:"sort_order"`
 	Limits          string            `json:"limits"`
 	RefundEnabled   bool              `json:"refund_enabled"`
+	AllowUserRefund bool              `json:"allow_user_refund"`
 }
 
 type UpdateProviderInstanceRequest struct {
@@ -125,6 +126,7 @@ type UpdateProviderInstanceRequest struct {
 	SortOrder       *int              `json:"sort_order"`
 	Limits          *string           `json:"limits"`
 	RefundEnabled   *bool             `json:"refund_enabled"`
+	AllowUserRefund *bool             `json:"allow_user_refund"`
 }
 type CreatePlanRequest struct {
 	GroupID       int64    `json:"group_id"`

backend/internal/service/usage_billing.go

@@ -100,9 +100,22 @@ func valueOrZero(v *int64) int64 {
 	return *v
 }
 
+// AccountQuotaState holds the post-increment quota state returned by the DB transaction.
+// All values are post-update (i.e., already include the increment).
+type AccountQuotaState struct {
+	TotalUsed   float64
+	TotalLimit  float64
+	DailyUsed   float64
+	DailyLimit  float64
+	WeeklyUsed  float64
+	WeeklyLimit float64
+}
+
 type UsageBillingApplyResult struct {
 	Applied              bool
 	APIKeyQuotaExhausted bool
+	NewBalance           *float64           // post-deduction balance (nil = no balance deduction)
+	QuotaState           *AccountQuotaState // post-increment quota state (nil = no quota increment)
 }
 
 type UsageBillingRepository interface {