feat: add per-provider allow_user_refund control and align wildcard matching

allow_user_refund:
- Add allow_user_refund field to PaymentProviderInstance ent schema
- Migration 103: ALTER TABLE payment_provider_instances ADD COLUMN
- Cascade logic: disabling refund_enabled auto-disables allow_user_refund
- User refund validation: check provider instance allows user refund
- Admin refund validation: check provider instance allows admin refund
- Subscription refund: deduct days on refund, rollback on failure
- New endpoint: GET /payment/orders/refund-eligible-providers
- Frontend: ToggleSwitch in ProviderCard/Dialog, cascade in SettingsView

Wildcard matching:
- Change findPricingForModel from "longest prefix wins" to "config order
  priority (first match wins)", aligning with channel service behavior

backend/ent/client.go

@@ -333,10 +333,10 @@ func (c *Client) Use(hooks ...Hook) {
 	for _, n := range []interface{ Use(...Hook) }{
 		c.APIKey, c.Account, c.AccountGroup, c.Announcement, c.AnnouncementRead,
 		c.ErrorPassthroughRule, c.Group, c.IdempotencyRecord, c.PaymentAuditLog,
-		c.PaymentOrder, c.PaymentProviderInstance, c.PromoCode,
-		c.PromoCodeUsage, c.Proxy, c.RedeemCode, c.SecuritySecret, c.Setting,
-		c.SubscriptionPlan, c.TLSFingerprintProfile, c.UsageCleanupTask, c.UsageLog,
-		c.User, c.UserAllowedGroup, c.UserAttributeDefinition, c.UserAttributeValue,
+		c.PaymentOrder, c.PaymentProviderInstance, c.PromoCode, c.PromoCodeUsage,
+		c.Proxy, c.RedeemCode, c.SecuritySecret, c.Setting, c.SubscriptionPlan,
+		c.TLSFingerprintProfile, c.UsageCleanupTask, c.UsageLog, c.User,
+		c.UserAllowedGroup, c.UserAttributeDefinition, c.UserAttributeValue,
 		c.UserSubscription,
 	} {
 		n.Use(hooks...)
@@ -349,10 +349,10 @@ func (c *Client) Intercept(interceptors ...Interceptor) {
 	for _, n := range []interface{ Intercept(...Interceptor) }{
 		c.APIKey, c.Account, c.AccountGroup, c.Announcement, c.AnnouncementRead,
 		c.ErrorPassthroughRule, c.Group, c.IdempotencyRecord, c.PaymentAuditLog,
-		c.PaymentOrder, c.PaymentProviderInstance, c.PromoCode,
-		c.PromoCodeUsage, c.Proxy, c.RedeemCode, c.SecuritySecret, c.Setting,
-		c.SubscriptionPlan, c.TLSFingerprintProfile, c.UsageCleanupTask, c.UsageLog,
-		c.User, c.UserAllowedGroup, c.UserAttributeDefinition, c.UserAttributeValue,
+		c.PaymentOrder, c.PaymentProviderInstance, c.PromoCode, c.PromoCodeUsage,
+		c.Proxy, c.RedeemCode, c.SecuritySecret, c.Setting, c.SubscriptionPlan,
+		c.TLSFingerprintProfile, c.UsageCleanupTask, c.UsageLog, c.User,
+		c.UserAllowedGroup, c.UserAttributeDefinition, c.UserAttributeValue,
 		c.UserSubscription,
 	} {
 		n.Intercept(interceptors...)
@@ -4629,19 +4629,19 @@ func (c *UserSubscriptionClient) mutate(ctx context.Context, m *UserSubscription
 type (
 	hooks struct {
 		APIKey, Account, AccountGroup, Announcement, AnnouncementRead,
-		ErrorPassthroughRule, Group, IdempotencyRecord, PaymentAuditLog,
-		PaymentOrder, PaymentProviderInstance, PromoCode,
-		PromoCodeUsage, Proxy, RedeemCode, SecuritySecret, Setting, SubscriptionPlan,
-		TLSFingerprintProfile, UsageCleanupTask, UsageLog, User, UserAllowedGroup,
-		UserAttributeDefinition, UserAttributeValue, UserSubscription []ent.Hook
+		ErrorPassthroughRule, Group, IdempotencyRecord, PaymentAuditLog, PaymentOrder,
+		PaymentProviderInstance, PromoCode, PromoCodeUsage, Proxy, RedeemCode,
+		SecuritySecret, Setting, SubscriptionPlan, TLSFingerprintProfile,
+		UsageCleanupTask, UsageLog, User, UserAllowedGroup, UserAttributeDefinition,
+		UserAttributeValue, UserSubscription []ent.Hook
 	}
 	inters struct {
 		APIKey, Account, AccountGroup, Announcement, AnnouncementRead,
-		ErrorPassthroughRule, Group, IdempotencyRecord, PaymentAuditLog,
-		PaymentOrder, PaymentProviderInstance, PromoCode,
-		PromoCodeUsage, Proxy, RedeemCode, SecuritySecret, Setting, SubscriptionPlan,
-		TLSFingerprintProfile, UsageCleanupTask, UsageLog, User, UserAllowedGroup,
-		UserAttributeDefinition, UserAttributeValue, UserSubscription []ent.Interceptor
+		ErrorPassthroughRule, Group, IdempotencyRecord, PaymentAuditLog, PaymentOrder,
+		PaymentProviderInstance, PromoCode, PromoCodeUsage, Proxy, RedeemCode,
+		SecuritySecret, Setting, SubscriptionPlan, TLSFingerprintProfile,
+		UsageCleanupTask, UsageLog, User, UserAllowedGroup, UserAttributeDefinition,
+		UserAttributeValue, UserSubscription []ent.Interceptor
 	}
 )
 

backend/ent/intercept/intercept.go

@@ -336,7 +336,6 @@ func (f TraversePaymentAuditLog) Traverse(ctx context.Context, q ent.Query) erro
 	return fmt.Errorf("unexpected query type %T. expect *ent.PaymentAuditLogQuery", q)
 }
 
-
 // The PaymentOrderFunc type is an adapter to allow the use of ordinary function as a Querier.
 type PaymentOrderFunc func(context.Context, *ent.PaymentOrderQuery) (ent.Value, error)
 

backend/ent/migrate/schema.go

@@ -616,6 +616,7 @@ var (
 		{Name: "sort_order", Type: field.TypeInt, Default: 0},
 		{Name: "limits", Type: field.TypeString, Default: "", SchemaType: map[string]string{"postgres": "text"}},
 		{Name: "refund_enabled", Type: field.TypeBool, Default: false},
+		{Name: "allow_user_refund", Type: field.TypeBool, Default: false},
 		{Name: "created_at", Type: field.TypeTime, SchemaType: map[string]string{"postgres": "timestamptz"}},
 		{Name: "updated_at", Type: field.TypeTime, SchemaType: map[string]string{"postgres": "timestamptz"}},
 	}

backend/ent/mutation.go

@@ -15642,25 +15642,26 @@ func (m *PaymentOrderMutation) ResetEdge(name string) error {
 // PaymentProviderInstanceMutation represents an operation that mutates the PaymentProviderInstance nodes in the graph.
 type PaymentProviderInstanceMutation struct {
 	config
-	op              Op
-	typ             string
-	id              *int64
-	provider_key    *string
-	name            *string
-	_config         *string
-	supported_types *string
-	enabled         *bool
-	payment_mode    *string
-	sort_order      *int
-	addsort_order   *int
-	limits          *string
-	refund_enabled  *bool
-	created_at      *time.Time
-	updated_at      *time.Time
-	clearedFields   map[string]struct{}
-	done            bool
-	oldValue        func(context.Context) (*PaymentProviderInstance, error)
-	predicates      []predicate.PaymentProviderInstance
+	op                Op
+	typ               string
+	id                *int64
+	provider_key      *string
+	name              *string
+	_config           *string
+	supported_types   *string
+	enabled           *bool
+	payment_mode      *string
+	sort_order        *int
+	addsort_order     *int
+	limits            *string
+	refund_enabled    *bool
+	allow_user_refund *bool
+	created_at        *time.Time
+	updated_at        *time.Time
+	clearedFields     map[string]struct{}
+	done              bool
+	oldValue          func(context.Context) (*PaymentProviderInstance, error)
+	predicates        []predicate.PaymentProviderInstance
 }
 
 var _ ent.Mutation = (*PaymentProviderInstanceMutation)(nil)
@@ -16105,6 +16106,42 @@ func (m *PaymentProviderInstanceMutation) ResetRefundEnabled() {
 	m.refund_enabled = nil
 }
 
+// SetAllowUserRefund sets the "allow_user_refund" field.
+func (m *PaymentProviderInstanceMutation) SetAllowUserRefund(b bool) {
+	m.allow_user_refund = &b
+}
+
+// AllowUserRefund returns the value of the "allow_user_refund" field in the mutation.
+func (m *PaymentProviderInstanceMutation) AllowUserRefund() (r bool, exists bool) {
+	v := m.allow_user_refund
+	if v == nil {
+		return
+	}
+	return *v, true
+}
+
+// OldAllowUserRefund returns the old "allow_user_refund" field's value of the PaymentProviderInstance entity.
+// If the PaymentProviderInstance object wasn't provided to the builder, the object is fetched from the database.
+// An error is returned if the mutation operation is not UpdateOne, or the database query fails.
+func (m *PaymentProviderInstanceMutation) OldAllowUserRefund(ctx context.Context) (v bool, err error) {
+	if !m.op.Is(OpUpdateOne) {
+		return v, errors.New("OldAllowUserRefund is only allowed on UpdateOne operations")
+	}
+	if m.id == nil || m.oldValue == nil {
+		return v, errors.New("OldAllowUserRefund requires an ID field in the mutation")
+	}
+	oldValue, err := m.oldValue(ctx)
+	if err != nil {
+		return v, fmt.Errorf("querying old value for OldAllowUserRefund: %w", err)
+	}
+	return oldValue.AllowUserRefund, nil
+}
+
+// ResetAllowUserRefund resets all changes to the "allow_user_refund" field.
+func (m *PaymentProviderInstanceMutation) ResetAllowUserRefund() {
+	m.allow_user_refund = nil
+}
+
 // SetCreatedAt sets the "created_at" field.
 func (m *PaymentProviderInstanceMutation) SetCreatedAt(t time.Time) {
 	m.created_at = &t
@@ -16211,7 +16248,7 @@ func (m *PaymentProviderInstanceMutation) Type() string {
 // order to get all numeric fields that were incremented/decremented, call
 // AddedFields().
 func (m *PaymentProviderInstanceMutation) Fields() []string {
-	fields := make([]string, 0, 11)
+	fields := make([]string, 0, 12)
 	if m.provider_key != nil {
 		fields = append(fields, paymentproviderinstance.FieldProviderKey)
 	}
@@ -16239,6 +16276,9 @@ func (m *PaymentProviderInstanceMutation) Fields() []string {
 	if m.refund_enabled != nil {
 		fields = append(fields, paymentproviderinstance.FieldRefundEnabled)
 	}
+	if m.allow_user_refund != nil {
+		fields = append(fields, paymentproviderinstance.FieldAllowUserRefund)
+	}
 	if m.created_at != nil {
 		fields = append(fields, paymentproviderinstance.FieldCreatedAt)
 	}
@@ -16271,6 +16311,8 @@ func (m *PaymentProviderInstanceMutation) Field(name string) (ent.Value, bool) {
 		return m.Limits()
 	case paymentproviderinstance.FieldRefundEnabled:
 		return m.RefundEnabled()
+	case paymentproviderinstance.FieldAllowUserRefund:
+		return m.AllowUserRefund()
 	case paymentproviderinstance.FieldCreatedAt:
 		return m.CreatedAt()
 	case paymentproviderinstance.FieldUpdatedAt:
@@ -16302,6 +16344,8 @@ func (m *PaymentProviderInstanceMutation) OldField(ctx context.Context, name str
 		return m.OldLimits(ctx)
 	case paymentproviderinstance.FieldRefundEnabled:
 		return m.OldRefundEnabled(ctx)
+	case paymentproviderinstance.FieldAllowUserRefund:
+		return m.OldAllowUserRefund(ctx)
 	case paymentproviderinstance.FieldCreatedAt:
 		return m.OldCreatedAt(ctx)
 	case paymentproviderinstance.FieldUpdatedAt:
@@ -16378,6 +16422,13 @@ func (m *PaymentProviderInstanceMutation) SetField(name string, value ent.Value)
 		}
 		m.SetRefundEnabled(v)
 		return nil
+	case paymentproviderinstance.FieldAllowUserRefund:
+		v, ok := value.(bool)
+		if !ok {
+			return fmt.Errorf("unexpected type %T for field %s", value, name)
+		}
+		m.SetAllowUserRefund(v)
+		return nil
 	case paymentproviderinstance.FieldCreatedAt:
 		v, ok := value.(time.Time)
 		if !ok {
@@ -16483,6 +16534,9 @@ func (m *PaymentProviderInstanceMutation) ResetField(name string) error {
 	case paymentproviderinstance.FieldRefundEnabled:
 		m.ResetRefundEnabled()
 		return nil
+	case paymentproviderinstance.FieldAllowUserRefund:
+		m.ResetAllowUserRefund()
+		return nil
 	case paymentproviderinstance.FieldCreatedAt:
 		m.ResetCreatedAt()
 		return nil

backend/ent/paymentproviderinstance.go

@@ -35,6 +35,8 @@ type PaymentProviderInstance struct {
 	Limits string `json:"limits,omitempty"`
 	// RefundEnabled holds the value of the "refund_enabled" field.
 	RefundEnabled bool `json:"refund_enabled,omitempty"`
+	// AllowUserRefund holds the value of the "allow_user_refund" field.
+	AllowUserRefund bool `json:"allow_user_refund,omitempty"`
 	// CreatedAt holds the value of the "created_at" field.
 	CreatedAt time.Time `json:"created_at,omitempty"`
 	// UpdatedAt holds the value of the "updated_at" field.
@@ -47,7 +49,7 @@ func (*PaymentProviderInstance) scanValues(columns []string) ([]any, error) {
 	values := make([]any, len(columns))
 	for i := range columns {
 		switch columns[i] {
-		case paymentproviderinstance.FieldEnabled, paymentproviderinstance.FieldRefundEnabled:
+		case paymentproviderinstance.FieldEnabled, paymentproviderinstance.FieldRefundEnabled, paymentproviderinstance.FieldAllowUserRefund:
 			values[i] = new(sql.NullBool)
 		case paymentproviderinstance.FieldID, paymentproviderinstance.FieldSortOrder:
 			values[i] = new(sql.NullInt64)
@@ -130,6 +132,12 @@ func (_m *PaymentProviderInstance) assignValues(columns []string, values []any)
 			} else if value.Valid {
 				_m.RefundEnabled = value.Bool
 			}
+		case paymentproviderinstance.FieldAllowUserRefund:
+			if value, ok := values[i].(*sql.NullBool); !ok {
+				return fmt.Errorf("unexpected type %T for field allow_user_refund", values[i])
+			} else if value.Valid {
+				_m.AllowUserRefund = value.Bool
+			}
 		case paymentproviderinstance.FieldCreatedAt:
 			if value, ok := values[i].(*sql.NullTime); !ok {
 				return fmt.Errorf("unexpected type %T for field created_at", values[i])
@@ -205,6 +213,9 @@ func (_m *PaymentProviderInstance) String() string {
 	builder.WriteString("refund_enabled=")
 	builder.WriteString(fmt.Sprintf("%v", _m.RefundEnabled))
 	builder.WriteString(", ")
+	builder.WriteString("allow_user_refund=")
+	builder.WriteString(fmt.Sprintf("%v", _m.AllowUserRefund))
+	builder.WriteString(", ")
 	builder.WriteString("created_at=")
 	builder.WriteString(_m.CreatedAt.Format(time.ANSIC))
 	builder.WriteString(", ")

backend/ent/paymentproviderinstance/paymentproviderinstance.go

@@ -31,6 +31,8 @@ const (
 	FieldLimits = "limits"
 	// FieldRefundEnabled holds the string denoting the refund_enabled field in the database.
 	FieldRefundEnabled = "refund_enabled"
+	// FieldAllowUserRefund holds the string denoting the allow_user_refund field in the database.
+	FieldAllowUserRefund = "allow_user_refund"
 	// FieldCreatedAt holds the string denoting the created_at field in the database.
 	FieldCreatedAt = "created_at"
 	// FieldUpdatedAt holds the string denoting the updated_at field in the database.
@@ -51,6 +53,7 @@ var Columns = []string{
 	FieldSortOrder,
 	FieldLimits,
 	FieldRefundEnabled,
+	FieldAllowUserRefund,
 	FieldCreatedAt,
 	FieldUpdatedAt,
 }
@@ -88,6 +91,8 @@ var (
 	DefaultLimits string
 	// DefaultRefundEnabled holds the default value on creation for the "refund_enabled" field.
 	DefaultRefundEnabled bool
+	// DefaultAllowUserRefund holds the default value on creation for the "allow_user_refund" field.
+	DefaultAllowUserRefund bool
 	// DefaultCreatedAt holds the default value on creation for the "created_at" field.
 	DefaultCreatedAt func() time.Time
 	// DefaultUpdatedAt holds the default value on creation for the "updated_at" field.
@@ -149,6 +154,11 @@ func ByRefundEnabled(opts ...sql.OrderTermOption) OrderOption {
 	return sql.OrderByField(FieldRefundEnabled, opts...).ToFunc()
 }
 
+// ByAllowUserRefund orders the results by the allow_user_refund field.
+func ByAllowUserRefund(opts ...sql.OrderTermOption) OrderOption {
+	return sql.OrderByField(FieldAllowUserRefund, opts...).ToFunc()
+}
+
 // ByCreatedAt orders the results by the created_at field.
 func ByCreatedAt(opts ...sql.OrderTermOption) OrderOption {
 	return sql.OrderByField(FieldCreatedAt, opts...).ToFunc()

backend/ent/paymentproviderinstance/where.go

@@ -99,6 +99,11 @@ func RefundEnabled(v bool) predicate.PaymentProviderInstance {
 	return predicate.PaymentProviderInstance(sql.FieldEQ(FieldRefundEnabled, v))
 }
 
+// AllowUserRefund applies equality check predicate on the "allow_user_refund" field. It's identical to AllowUserRefundEQ.
+func AllowUserRefund(v bool) predicate.PaymentProviderInstance {
+	return predicate.PaymentProviderInstance(sql.FieldEQ(FieldAllowUserRefund, v))
+}
+
 // CreatedAt applies equality check predicate on the "created_at" field. It's identical to CreatedAtEQ.
 func CreatedAt(v time.Time) predicate.PaymentProviderInstance {
 	return predicate.PaymentProviderInstance(sql.FieldEQ(FieldCreatedAt, v))
@@ -559,6 +564,16 @@ func RefundEnabledNEQ(v bool) predicate.PaymentProviderInstance {
 	return predicate.PaymentProviderInstance(sql.FieldNEQ(FieldRefundEnabled, v))
 }
 
+// AllowUserRefundEQ applies the EQ predicate on the "allow_user_refund" field.
+func AllowUserRefundEQ(v bool) predicate.PaymentProviderInstance {
+	return predicate.PaymentProviderInstance(sql.FieldEQ(FieldAllowUserRefund, v))
+}
+
+// AllowUserRefundNEQ applies the NEQ predicate on the "allow_user_refund" field.
+func AllowUserRefundNEQ(v bool) predicate.PaymentProviderInstance {
+	return predicate.PaymentProviderInstance(sql.FieldNEQ(FieldAllowUserRefund, v))
+}
+
 // CreatedAtEQ applies the EQ predicate on the "created_at" field.
 func CreatedAtEQ(v time.Time) predicate.PaymentProviderInstance {
 	return predicate.PaymentProviderInstance(sql.FieldEQ(FieldCreatedAt, v))

backend/ent/paymentproviderinstance_create.go

@@ -132,6 +132,20 @@ func (_c *PaymentProviderInstanceCreate) SetNillableRefundEnabled(v *bool) *Paym
 	return _c
 }
 
+// SetAllowUserRefund sets the "allow_user_refund" field.
+func (_c *PaymentProviderInstanceCreate) SetAllowUserRefund(v bool) *PaymentProviderInstanceCreate {
+	_c.mutation.SetAllowUserRefund(v)
+	return _c
+}
+
+// SetNillableAllowUserRefund sets the "allow_user_refund" field if the given value is not nil.
+func (_c *PaymentProviderInstanceCreate) SetNillableAllowUserRefund(v *bool) *PaymentProviderInstanceCreate {
+	if v != nil {
+		_c.SetAllowUserRefund(*v)
+	}
+	return _c
+}
+
 // SetCreatedAt sets the "created_at" field.
 func (_c *PaymentProviderInstanceCreate) SetCreatedAt(v time.Time) *PaymentProviderInstanceCreate {
 	_c.mutation.SetCreatedAt(v)
@@ -223,6 +237,10 @@ func (_c *PaymentProviderInstanceCreate) defaults() {
 		v := paymentproviderinstance.DefaultRefundEnabled
 		_c.mutation.SetRefundEnabled(v)
 	}
+	if _, ok := _c.mutation.AllowUserRefund(); !ok {
+		v := paymentproviderinstance.DefaultAllowUserRefund
+		_c.mutation.SetAllowUserRefund(v)
+	}
 	if _, ok := _c.mutation.CreatedAt(); !ok {
 		v := paymentproviderinstance.DefaultCreatedAt()
 		_c.mutation.SetCreatedAt(v)
@@ -282,6 +300,9 @@ func (_c *PaymentProviderInstanceCreate) check() error {
 	if _, ok := _c.mutation.RefundEnabled(); !ok {
 		return &ValidationError{Name: "refund_enabled", err: errors.New(`ent: missing required field "PaymentProviderInstance.refund_enabled"`)}
 	}
+	if _, ok := _c.mutation.AllowUserRefund(); !ok {
+		return &ValidationError{Name: "allow_user_refund", err: errors.New(`ent: missing required field "PaymentProviderInstance.allow_user_refund"`)}
+	}
 	if _, ok := _c.mutation.CreatedAt(); !ok {
 		return &ValidationError{Name: "created_at", err: errors.New(`ent: missing required field "PaymentProviderInstance.created_at"`)}
 	}
@@ -351,6 +372,10 @@ func (_c *PaymentProviderInstanceCreate) createSpec() (*PaymentProviderInstance,
 		_spec.SetField(paymentproviderinstance.FieldRefundEnabled, field.TypeBool, value)
 		_node.RefundEnabled = value
 	}
+	if value, ok := _c.mutation.AllowUserRefund(); ok {
+		_spec.SetField(paymentproviderinstance.FieldAllowUserRefund, field.TypeBool, value)
+		_node.AllowUserRefund = value
+	}
 	if value, ok := _c.mutation.CreatedAt(); ok {
 		_spec.SetField(paymentproviderinstance.FieldCreatedAt, field.TypeTime, value)
 		_node.CreatedAt = value
@@ -525,6 +550,18 @@ func (u *PaymentProviderInstanceUpsert) UpdateRefundEnabled() *PaymentProviderIn
 	return u
 }
 
+// SetAllowUserRefund sets the "allow_user_refund" field.
+func (u *PaymentProviderInstanceUpsert) SetAllowUserRefund(v bool) *PaymentProviderInstanceUpsert {
+	u.Set(paymentproviderinstance.FieldAllowUserRefund, v)
+	return u
+}
+
+// UpdateAllowUserRefund sets the "allow_user_refund" field to the value that was provided on create.
+func (u *PaymentProviderInstanceUpsert) UpdateAllowUserRefund() *PaymentProviderInstanceUpsert {
+	u.SetExcluded(paymentproviderinstance.FieldAllowUserRefund)
+	return u
+}
+
 // SetUpdatedAt sets the "updated_at" field.
 func (u *PaymentProviderInstanceUpsert) SetUpdatedAt(v time.Time) *PaymentProviderInstanceUpsert {
 	u.Set(paymentproviderinstance.FieldUpdatedAt, v)
@@ -715,6 +752,20 @@ func (u *PaymentProviderInstanceUpsertOne) UpdateRefundEnabled() *PaymentProvide
 	})
 }
 
+// SetAllowUserRefund sets the "allow_user_refund" field.
+func (u *PaymentProviderInstanceUpsertOne) SetAllowUserRefund(v bool) *PaymentProviderInstanceUpsertOne {
+	return u.Update(func(s *PaymentProviderInstanceUpsert) {
+		s.SetAllowUserRefund(v)
+	})
+}
+
+// UpdateAllowUserRefund sets the "allow_user_refund" field to the value that was provided on create.
+func (u *PaymentProviderInstanceUpsertOne) UpdateAllowUserRefund() *PaymentProviderInstanceUpsertOne {
+	return u.Update(func(s *PaymentProviderInstanceUpsert) {
+		s.UpdateAllowUserRefund()
+	})
+}
+
 // SetUpdatedAt sets the "updated_at" field.
 func (u *PaymentProviderInstanceUpsertOne) SetUpdatedAt(v time.Time) *PaymentProviderInstanceUpsertOne {
 	return u.Update(func(s *PaymentProviderInstanceUpsert) {
@@ -1073,6 +1124,20 @@ func (u *PaymentProviderInstanceUpsertBulk) UpdateRefundEnabled() *PaymentProvid
 	})
 }
 
+// SetAllowUserRefund sets the "allow_user_refund" field.
+func (u *PaymentProviderInstanceUpsertBulk) SetAllowUserRefund(v bool) *PaymentProviderInstanceUpsertBulk {
+	return u.Update(func(s *PaymentProviderInstanceUpsert) {
+		s.SetAllowUserRefund(v)
+	})
+}
+
+// UpdateAllowUserRefund sets the "allow_user_refund" field to the value that was provided on create.
+func (u *PaymentProviderInstanceUpsertBulk) UpdateAllowUserRefund() *PaymentProviderInstanceUpsertBulk {
+	return u.Update(func(s *PaymentProviderInstanceUpsert) {
+		s.UpdateAllowUserRefund()
+	})
+}
+
 // SetUpdatedAt sets the "updated_at" field.
 func (u *PaymentProviderInstanceUpsertBulk) SetUpdatedAt(v time.Time) *PaymentProviderInstanceUpsertBulk {
 	return u.Update(func(s *PaymentProviderInstanceUpsert) {

backend/ent/paymentproviderinstance_update.go

@@ -161,6 +161,20 @@ func (_u *PaymentProviderInstanceUpdate) SetNillableRefundEnabled(v *bool) *Paym
 	return _u
 }
 
+// SetAllowUserRefund sets the "allow_user_refund" field.
+func (_u *PaymentProviderInstanceUpdate) SetAllowUserRefund(v bool) *PaymentProviderInstanceUpdate {
+	_u.mutation.SetAllowUserRefund(v)
+	return _u
+}
+
+// SetNillableAllowUserRefund sets the "allow_user_refund" field if the given value is not nil.
+func (_u *PaymentProviderInstanceUpdate) SetNillableAllowUserRefund(v *bool) *PaymentProviderInstanceUpdate {
+	if v != nil {
+		_u.SetAllowUserRefund(*v)
+	}
+	return _u
+}
+
 // SetUpdatedAt sets the "updated_at" field.
 func (_u *PaymentProviderInstanceUpdate) SetUpdatedAt(v time.Time) *PaymentProviderInstanceUpdate {
 	_u.mutation.SetUpdatedAt(v)
@@ -275,6 +289,9 @@ func (_u *PaymentProviderInstanceUpdate) sqlSave(ctx context.Context) (_node int
 	if value, ok := _u.mutation.RefundEnabled(); ok {
 		_spec.SetField(paymentproviderinstance.FieldRefundEnabled, field.TypeBool, value)
 	}
+	if value, ok := _u.mutation.AllowUserRefund(); ok {
+		_spec.SetField(paymentproviderinstance.FieldAllowUserRefund, field.TypeBool, value)
+	}
 	if value, ok := _u.mutation.UpdatedAt(); ok {
 		_spec.SetField(paymentproviderinstance.FieldUpdatedAt, field.TypeTime, value)
 	}
@@ -431,6 +448,20 @@ func (_u *PaymentProviderInstanceUpdateOne) SetNillableRefundEnabled(v *bool) *P
 	return _u
 }
 
+// SetAllowUserRefund sets the "allow_user_refund" field.
+func (_u *PaymentProviderInstanceUpdateOne) SetAllowUserRefund(v bool) *PaymentProviderInstanceUpdateOne {
+	_u.mutation.SetAllowUserRefund(v)
+	return _u
+}
+
+// SetNillableAllowUserRefund sets the "allow_user_refund" field if the given value is not nil.
+func (_u *PaymentProviderInstanceUpdateOne) SetNillableAllowUserRefund(v *bool) *PaymentProviderInstanceUpdateOne {
+	if v != nil {
+		_u.SetAllowUserRefund(*v)
+	}
+	return _u
+}
+
 // SetUpdatedAt sets the "updated_at" field.
 func (_u *PaymentProviderInstanceUpdateOne) SetUpdatedAt(v time.Time) *PaymentProviderInstanceUpdateOne {
 	_u.mutation.SetUpdatedAt(v)
@@ -575,6 +606,9 @@ func (_u *PaymentProviderInstanceUpdateOne) sqlSave(ctx context.Context) (_node
 	if value, ok := _u.mutation.RefundEnabled(); ok {
 		_spec.SetField(paymentproviderinstance.FieldRefundEnabled, field.TypeBool, value)
 	}
+	if value, ok := _u.mutation.AllowUserRefund(); ok {
+		_spec.SetField(paymentproviderinstance.FieldAllowUserRefund, field.TypeBool, value)
+	}
 	if value, ok := _u.mutation.UpdatedAt(); ok {
 		_spec.SetField(paymentproviderinstance.FieldUpdatedAt, field.TypeTime, value)
 	}

backend/ent/predicate/predicate.go

@@ -33,7 +33,6 @@ type IdempotencyRecord func(*sql.Selector)
 // PaymentAuditLog is the predicate function for paymentauditlog builders.
 type PaymentAuditLog func(*sql.Selector)
 
-
 // PaymentOrder is the predicate function for paymentorder builders.
 type PaymentOrder func(*sql.Selector)
 

backend/ent/runtime/runtime.go

@@ -668,12 +668,16 @@ func init() {
 	paymentproviderinstanceDescRefundEnabled := paymentproviderinstanceFields[8].Descriptor()
 	// paymentproviderinstance.DefaultRefundEnabled holds the default value on creation for the refund_enabled field.
 	paymentproviderinstance.DefaultRefundEnabled = paymentproviderinstanceDescRefundEnabled.Default.(bool)
+	// paymentproviderinstanceDescAllowUserRefund is the schema descriptor for allow_user_refund field.
+	paymentproviderinstanceDescAllowUserRefund := paymentproviderinstanceFields[9].Descriptor()
+	// paymentproviderinstance.DefaultAllowUserRefund holds the default value on creation for the allow_user_refund field.
+	paymentproviderinstance.DefaultAllowUserRefund = paymentproviderinstanceDescAllowUserRefund.Default.(bool)
 	// paymentproviderinstanceDescCreatedAt is the schema descriptor for created_at field.
-	paymentproviderinstanceDescCreatedAt := paymentproviderinstanceFields[9].Descriptor()
+	paymentproviderinstanceDescCreatedAt := paymentproviderinstanceFields[10].Descriptor()
 	// paymentproviderinstance.DefaultCreatedAt holds the default value on creation for the created_at field.
 	paymentproviderinstance.DefaultCreatedAt = paymentproviderinstanceDescCreatedAt.Default.(func() time.Time)
 	// paymentproviderinstanceDescUpdatedAt is the schema descriptor for updated_at field.
-	paymentproviderinstanceDescUpdatedAt := paymentproviderinstanceFields[10].Descriptor()
+	paymentproviderinstanceDescUpdatedAt := paymentproviderinstanceFields[11].Descriptor()
 	// paymentproviderinstance.DefaultUpdatedAt holds the default value on creation for the updated_at field.
 	paymentproviderinstance.DefaultUpdatedAt = paymentproviderinstanceDescUpdatedAt.Default.(func() time.Time)
 	// paymentproviderinstance.UpdateDefaultUpdatedAt holds the default value on update for the updated_at field.

backend/ent/schema/payment_provider_instance.go

@@ -53,6 +53,8 @@ func (PaymentProviderInstance) Fields() []ent.Field {
 			Default(""),
 		field.Bool("refund_enabled").
 			Default(false),
+		field.Bool("allow_user_refund").
+			Default(false),
 		field.Time("created_at").
 			Immutable().
 			Default(time.Now).