fix: defer payment provider init to load_unipay(), graceful failure

- Move env var reading and key file open() from import-time CONF dict
  into _build_provider_conf() called during load_unipay()
- Each provider is wrapped in try/except — if env vars are missing,
  key files don't exist, or instantiation fails, the provider is
  set to None (disabled) and a warning is printed
- Program continues to start even if all payment channels fail
- Existing code already checks PROVIDERS[name] is None in all
  business functions (create_payment, notify handlers, etc.)
- Existing get_provider() in notify.py already returns None on
  instantiation error

models/paychannel.json

@@ -0,0 +1,36 @@
+{
+    "summary": [
+        {
+            "name": "paychannel",
+            "title": "支付渠道",
+            "primary": [
+                "id"
+            ],
+            "catelog": "entity"
+        }
+    ],
+    "fields": [
+        {
+            "name": "id",
+            "title": "id",
+            "type": "str",
+            "length": 32
+        },
+        {
+            "name": "name",
+            "title": "支付渠道名称",
+            "type": "str",
+            "length": 255
+        },
+        {
+            "name": "enabled_date",
+            "title": "启用日期",
+            "type": "date"
+        },
+        {
+            "name": "expired_date",
+            "title": "禁用日期",
+            "type": "date"
+        }
+    ]
+}

models/payfee.json

@@ -0,0 +1,49 @@
+{
+    "summary": [
+        {
+            "name": "payfee",
+            "title": "支付费率",
+            "primary": [
+                "id"
+            ]
+        }
+    ],
+    "fields": [
+        {
+            "name": "id",
+            "title": "id",
+            "type": "str",
+            "length": 32
+        },
+        {
+            "name": "channelid",
+            "title": "支付渠道id",
+            "type": "str",
+            "length": 255
+        },
+        {
+            "name": "fee_rate",
+            "title": "费率",
+            "type": "float",
+            "length": 18
+        },
+        {
+            "name": "enabled_date",
+            "title": "启用日期",
+            "type": "date"
+        },
+        {
+            "name": "expired_date",
+            "title": "停用日期",
+            "type": "date"
+        }
+    ],
+    "codes": [
+        {
+            "field": "channelid",
+            "table": "paychannel",
+            "valuefield": "id",
+            "textfield": "name"
+        }
+    ]
+}

models/payment_log.json

@@ -0,0 +1,141 @@
+{
+    "summary": [
+        {
+            "name": "payment_log",
+            "title": "支付日志",
+            "primary": [
+                "id"
+            ],
+            "catelog": "entity"
+        }
+    ],
+    "fields": [
+        {
+            "name": "id",
+            "title": "id",
+            "type": "str",
+            "length": 32
+        },
+        {
+            "name": "customerid",
+            "title": "客户id",
+            "type": "str",
+            "length": 32
+        },
+        {
+            "name": "channelid",
+            "title": "支付渠道id",
+            "type": "str",
+            "length": 32
+        },
+        {
+            "name": "channel_trade_id",
+            "title": "支付渠道交易ID",
+            "type": "str",
+            "length": 256
+        },
+        {
+            "name": "payment_name",
+            "title": "支付名称",
+            "type": "str",
+            "length": 255
+        },
+        {
+            "name": "amount_total",
+            "title": "支付金额",
+            "type": "float",
+            "length": 20
+        },
+        {
+            "name": "pay_feerate",
+            "title": "支付费率",
+            "type": "float",
+            "length": 20
+        },
+        {
+            "name": "pay_fee",
+            "title": "支付费用",
+            "type": "float",
+            "length": 20
+        },
+        {
+            "name": "payer_client_ip",
+            "title": "支付客户ip",
+            "type": "str",
+            "length": 255
+        },
+        {
+            "name": "currency",
+            "title": "币种",
+            "type": "str",
+            "length": 10
+        },
+        {
+            "name": "payment_status",
+            "title": "支付状态",
+            "type": "str",
+            "length": 1
+        },
+        {
+            "name": "init_timestamp",
+            "title": "支付发起时点",
+            "type": "timestamp"
+        },
+        {
+            "name": "payed_timestamp",
+            "title": "支付完成时点",
+            "type": "timestamp"
+        },
+        {
+            "name": "cancel_timestamp",
+            "title": "支付取消时点",
+            "type": "timestamp"
+        },
+        {
+            "name": "userid",
+            "title": "支付操作用户id",
+            "type": "str",
+            "length": 32
+        },
+        {
+            "name": "origin_id",
+            "title": "原支付id",
+            "type": "str",
+            "length": 32
+        }
+    ],
+    "codes": [
+        {
+            "field": "currency",
+            "table": "appcodes_kv",
+            "valuefield": "k",
+            "textfield": "v",
+            "cond": "parentid='currency'"
+        },
+        {
+            "field": "payment_status",
+            "table": "appcodes_kv",
+            "valuefield": "k",
+            "textfield": "v",
+            "cond": "parentid='payment_status'"
+        },
+        {
+            "field": "customerid",
+            "table": "organization",
+            "valuefield": "id",
+            "textfield": "orgname"
+        },
+        {
+            "field": "channelid",
+            "table": "paychannel",
+            "valuefield": "id",
+            "textfield": "name"
+        },
+        {
+            "field": "userid",
+            "table": "users",
+            "valuefield": "id",
+            "textfield": "username"
+        }
+    ]
+}

models/transfercode.json

@@ -0,0 +1,62 @@
+{
+    "summary": [
+        {
+            "name": "transfercode",
+            "title": "转账码",
+            "primary": [
+                "id"
+            ],
+            "catelog": "entity"
+        }
+    ],
+    "fields": [
+        {
+            "name": "id",
+            "title": "id",
+            "type": "str",
+            "length": 32
+        },
+        {
+            "name": "customerid",
+            "title": "客户id",
+            "type": "str",
+            "length": 32
+        },
+        {
+            "name": "amount",
+            "title": "金额",
+            "type": "float",
+            "length": 20
+        },
+        {
+            "name": "tcode",
+            "title": "转账码",
+            "type": "str",
+            "length": 7
+        },
+        {
+            "name": "curtime",
+            "title": "发起时间",
+            "type": "timestamp"
+        },
+        {
+            "name": "curdate",
+            "title": "发起日期",
+            "type": "date"
+        },
+        {
+            "name": "status",
+            "title": "状态",
+            "type": "str",
+            "length": 1
+        }
+    ],
+    "codes": [
+        {
+            "field": "customerid",
+            "table": "organization",
+            "valuefield": "id",
+            "textfield": "orgname"
+        }
+    ]
+}

unipay/init.py

@@ -1,5 +1,6 @@
 # init.py
 import os
+import traceback
 from appPublic.log import debug,exception
 from ahserver.configuredServer import add_startup
 from ahserver.serverenv import ServerEnv
@@ -7,40 +8,85 @@ from .notify import get_provider, get_provider_channel
 from .paylog import PaymentLog, unipay_accounting
 from .payfee import get_pay_fee, sor_get_pay_fee, get_paychannels, get_pay_feerate
 
-# 从 env 或配置载入 provider conf（这里只示例）
+# ──────────────────────────────────────────────
-CONF = {
+# 延迟加载：只存储 env key 名称，不在此处打开文件
-	"transfer":{
+# 避免 import 阶段因文件缺失或 env 未设置而崩溃
-		"pop3server": os.getenv("POP3SERVER", ""),
+# ──────────────────────────────────────────────
-		"mail": os.getenv("MAIL", ""),
+CONF_ENV = {
-		"password": os.getenv("PASSWORD", ""),
+	"transfer": {
-		"from_mail": os.getenv("FROM_MAIL", ""),
+		"pop3server": "POP3SERVER",
-		"account_no": os.getenv("ACCOUNT_NO", "")
+		"mail": "MAIL",
+		"password": "PASSWORD",
+		"from_mail": "FROM_MAIL",
+		"account_no": "ACCOUNT_NO"
 	},
 	"wechat": {
-		"mchid": os.getenv("WXP_MCHID",""),
+		"mchid": "WXP_MCHID",
-		"appid": os.getenv("WXP_APPID", ""),
+		"appid": "WXP_APPID",
-		"cert_serial_no": os.getenv("WXP_SERIAL",""),
+		"cert_serial_no": "WXP_SERIAL",
-		"private_key_pem": open(os.getenv("WXP_PRIVKEY","./merchant_private_key.pem"),"rb").read(),
+		"private_key_pem_file": "WXP_PRIVKEY",
-		"api_v3_key": os.getenv("WXP_API_V3_KEY","")
+		"api_v3_key": "WXP_API_V3_KEY"
 	},
 	"paypal": {
-		"client_id": os.getenv("PP_ID",""),
+		"client_id": "PP_ID",
-		"client_secret": os.getenv("PP_SECRET",""),
+		"client_secret": "PP_SECRET",
-		"sandbox": True
+		"sandbox": True  # 静态值
 	},
 	"alipay": {
-		"app_id": os.getenv("ALIPAY_APPID",""),
+		"app_id": "ALIPAY_APPID",
-		"app_private_key_pem": open(os.getenv("ALIPAY_PRIV","./alipay_priv.pem"),"rb").read(),
+		"app_private_key_pem_file": "ALIPAY_PRIV",
-		"alipay_public_key_pem": open(os.getenv("ALIPAY_PUB",""),"rb").read()
+		"alipay_public_key_pem_file": "ALIPAY_PUB"
 	},
 	"stripe": {
-		"api_key": os.getenv("STRIPE_KEY","")
+		"api_key": "STRIPE_KEY"
 	}
 }
 
 PROVIDERS = {}
 
 
+def _build_provider_conf(provider_name: str) -> dict:
+	"""从环境变量构造 provider 配置。打开文件、处理默认值。
+	如果关键环境变量缺失或文件打不开，抛异常由调用方处理。"""
+	conf_def = CONF_ENV.get(provider_name, {})
+	conf = {}
+	for key, env_name in conf_def.items():
+		if isinstance(env_name, bool):
+			conf[key] = env_name
+			continue
+		val = os.getenv(env_name, "")
+		conf[key] = val
+
+	# 特殊处理：读取密钥文件
+	if provider_name == "wechat":
+		privkey_path = conf.get("private_key_pem_file", "")
+		if not privkey_path:
+			raise FileNotFoundError(f"环境变量 WXP_PRIVKEY 未设置")
+		with open(privkey_path, "rb") as f:
+			conf["private_key_pem"] = f.read()
+		del conf["private_key_pem_file"]
+
+	elif provider_name == "alipay":
+		priv_path = conf.get("app_private_key_pem_file", "")
+		pub_path = conf.get("alipay_public_key_pem_file", "")
+		if not priv_path:
+			raise FileNotFoundError(f"环境变量 ALIPAY_PRIV 未设置")
+		if not pub_path:
+			raise FileNotFoundError(f"环境变量 ALIPAY_PUB 未设置")
+		with open(priv_path, "rb") as f:
+			conf["app_private_key_pem"] = f.read()
+		with open(pub_path, "rb") as f:
+			conf["alipay_public_key_pem"] = f.read()
+		del conf["app_private_key_pem_file"]
+		del conf["alipay_public_key_pem_file"]
+
+	return conf
+
+
+# ──────────────────────────────────────────────
+# 业务函数（不变）
+# ──────────────────────────────────────────────
+
 # 下单接口（统一）
 async def create_payment(request, params_kw=None):
 	env = request._run_ns
@@ -189,11 +235,19 @@ async def setup_callback_path(app):
 # callback url= "/unipay/notify/{provider}"
 
 def load_unipay():
-	PROVIDERS["transfer"] = get_provider("transfer", CONF["transfer"])
+	"""注册各支付渠道到 PROVIDERS。初始化失败的渠道设为 None（disabled）。"""
-	PROVIDERS["wechat"] = get_provider("wechat", CONF["wechat"])
+	for name in ("transfer", "wechat", "paypal", "alipay", "stripe"):
-	PROVIDERS["paypal"] = get_provider("paypal", CONF["paypal"])
+		try:
-	PROVIDERS["alipay"] = get_provider("alipay", CONF["alipay"])
+			conf = _build_provider_conf(name)
-	PROVIDERS["stripe"] = get_provider("stripe", CONF["stripe"])
+			PROVIDERS[name] = get_provider(name, conf)
+			if PROVIDERS[name] is not None:
+				print(f"[unipay] {name} 初始化成功")
+			else:
+				print(f"[unipay] {name} 初始化返回 None（渠道 disabled）")
+		except Exception as e:
+			PROVIDERS[name] = None
+			print(f"[unipay] {name} 初始化失败，已禁用: {e}", flush=True)
+
 	env = ServerEnv()
 	env.get_paychannels = get_paychannels
 	env.get_pay_feerate = get_pay_feerate