修改支付相关

internal/integration/payment/wechat_v3.go

@@ -418,23 +418,10 @@ func newWechatV3Client(c map[string]any, endpointKey string) (*gopayWechatV3.Cli
 		return nil, err
 	}
 
-	platformCert := firstAny(c, "platform_cert", "platform_certificate", "wechatpay_platform_cert")
-	if platformCert == "" {
-		return nil, errors.New("微信支付 v3 缺少 platform_cert")
-	}
-	platformSerial := firstAny(c, "platform_serial_no", "platform_cert_serial", "wechatpay_serial_no")
-	if platformSerial == "" {
-		platformSerial, err = wechatV3PlatformSerial(platformCert)
-		if err != nil {
-			return nil, err
-		}
-	}
-	if err = client.AutoVerifySignByCert([]byte(platformCert), platformSerial); err != nil {
-		return nil, err
-	}
 	client.SetBodySize(8)
 	client.GetHttpClient().SetTimeout(20 * time.Second)
 
+	endpointConfigured := false
 	if endpointKey != "" {
 		if endpoint := strings.TrimSpace(text(c, endpointKey)); endpoint != "" {
 			parsed, parseErr := url.Parse(endpoint)
@@ -446,15 +433,37 @@ func newWechatV3Client(c map[string]any, endpointKey string) (*gopayWechatV3.Cli
 			}
 			httpClient := client.GetHttpClient()
 			httpClient.SetTransport(&wechatV3EndpointTransport{base: httpClient.HttpClient.Transport, endpoint: parsed})
-			return client, nil
+			endpointConfigured = true
 		}
 	}
-	if baseURL := strings.TrimRight(firstAny(c, "base_url", "api_base_url", "proxy_url"), "/"); baseURL != "" {
-		parsed, parseErr := url.Parse(baseURL)
-		if parseErr != nil || parsed.Scheme == "" || parsed.Host == "" {
-			return nil, errors.New("微信支付 v3 base_url 配置无效")
+	if !endpointConfigured {
+		if baseURL := strings.TrimRight(firstAny(c, "base_url", "api_base_url", "proxy_url"), "/"); baseURL != "" {
+			parsed, parseErr := url.Parse(baseURL)
+			if parseErr != nil || parsed.Scheme == "" || parsed.Host == "" {
+				return nil, errors.New("微信支付 v3 base_url 配置无效")
+			}
+			client.SetProxyHost(baseURL)
+		}
+	}
+
+	platformCert := firstAny(c, "platform_cert", "platform_certificate", "wechatpay_platform_cert")
+	if platformCert == "" {
+		// Fetch the current platform certificates using the merchant credentials.
+		// This client is request-scoped, so avoid starting a background refresher.
+		if err = client.AutoVerifySign(false); err != nil {
+			return nil, fmt.Errorf("微信支付 v3 自动获取平台证书失败: %w", err)
+		}
+	} else {
+		platformSerial := firstAny(c, "platform_serial_no", "platform_cert_serial", "wechatpay_serial_no")
+		if platformSerial == "" {
+			platformSerial, err = wechatV3PlatformSerial(platformCert)
+			if err != nil {
+				return nil, err
+			}
+		}
+		if err = client.AutoVerifySignByCert([]byte(platformCert), platformSerial); err != nil {
+			return nil, err
 		}
-		client.SetProxyHost(baseURL)
 	}
 	return client, nil
 }