test(payment): add unit tests for payment audit fixes + allow empty supported_types

Tests (1033 new lines, 100% coverage on modified functions):
- amount.go: YuanToFen/FenToYuan with precision edge cases
- wxpay: mapWxState, wxSV, formatPEM, NewWxpay validation
- alipay: isTradeNotExist, NewAlipay validation
- webhook: writeSuccessResponse (wxpay JSON, stripe empty, others text)
- config: validateProviderRequest, isSensitiveConfigField, joinTypes
- fulfillment: resolveRedeemAction idempotency logic

Business logic changes:
- Allow empty supported_types on provider instances
- Block removing payment types when instance has pending orders
- Extract resolveRedeemAction as testable pure function

backend/internal/payment/provider/wxpay_test.go

@@ -156,7 +156,6 @@ func TestNewWxpay(t *testing.T) {
 		"apiV3Key":    "12345678901234567890123456789012", // exactly 32 bytes
 		"publicKey":   "fake-public-key",
 		"publicKeyId": "key-id-001",
-		"certSerial":  "SERIAL001",
 	}
 
 	// helper to clone and override config fields