fix: 测试包年商品改用 USD，避免 CNY 不被支持

Waffo 测试侧 Yearly Product 仅支持 USD；按 Product ID 自动选币种。

backend/internal/service/payment/waffo.go

@@ -456,22 +456,36 @@ func productIDForPlan(cfg WaffoConfig, planType string) string {
 }
 
 func currencyForPlan(cfg WaffoConfig, planType string) string {
+	// 已知商品 ID 优先（测试包年不支持 CNY） // Logan.Li
+	if pid := productIDForPlan(cfg, planType); pid != "" {
+		switch pid {
+		case "PROD_1BIezCi932IbgCzRIV8hcJ", // test yearly
+			"PROD_0pcnzzT4nalEkkcdyIUoD5", // test perpetual
+			"PROD_3BSJqDRkVBoYNgO78NsTAU": // live perpetual
+			return "USD"
+		case "PROD_5PqVJyEiCM4nDgVoA0RKjN": // live yearly
+			return "CNY"
+		}
+	}
 	switch strings.TrimSpace(strings.ToLower(planType)) {
 	case "yearly", "monthly":
 		if cfg.CurrencyYearly != "" {
 			return cfg.CurrencyYearly
 		}
-		return "CNY" // OpsXshell 包年默认人民币 // Logan.Li
+		if NormalizeWaffoEnvironment(cfg.Environment) == "live" {
+			return "CNY"
+		}
+		return "USD"
 	case "perpetual", "lifetime":
 		if cfg.CurrencyPerpetual != "" {
 			return cfg.CurrencyPerpetual
 		}
-		return "USD" // OpsXshell 永久默认美元 // Logan.Li
+		return "USD"
 	}
 	if cfg.Currency != "" {
 		return cfg.Currency
 	}
-	return "CNY"
+	return "USD"
 }
 
 func checkoutTypeForPlan(planType string) string {

backend/internal/service/payment/waffo_test.go

@@ -6,13 +6,13 @@ import (
 	"testing"
 )
 
-func TestResolveBaseCheckoutURL_YearlyOnetimeCNY(t *testing.T) {
+func TestResolveBaseCheckoutURL_YearlyOnetimeUSD(t *testing.T) {
 	cfg := WaffoConfig{
 		StoreSlug:          "opsxshell-pwsi6m4n",
 		ProductIDYearly:    "PROD_1BIezCi932IbgCzRIV8hcJ",
 		ProductIDPerpetual: "PROD_0pcnzzT4nalEkkcdyIUoD5",
 		Currency:           "CNY",
-		CurrencyYearly:     "CNY",
+		CurrencyYearly:     "CNY", // 即使配置写 CNY，已知测试商品仍强制 USD // Logan.Li
 		CurrencyPerpetual:  "USD",
 		Environment:        "test",
 		SuccessURL:         "opsxshell://pro/activated",
@@ -28,12 +28,12 @@ func TestResolveBaseCheckoutURL_YearlyOnetimeCNY(t *testing.T) {
 	if q.Get("type") != "onetime" {
 		t.Fatalf("type=%s want onetime", q.Get("type"))
 	}
-	if q.Get("currency") != "CNY" {
-		t.Fatalf("currency=%s want CNY", q.Get("currency"))
+	if q.Get("currency") != "USD" {
+		t.Fatalf("currency=%s want USD", q.Get("currency"))
 	}
 }
 
-func TestResolveBaseCheckoutURL_PerpetualOnetimeCNY(t *testing.T) {
+func TestResolveBaseCheckoutURL_PerpetualOnetimeUSD(t *testing.T) {
 	cfg := WaffoConfig{
 		StoreSlug:          "opsxshell-pwsi6m4n",
 		ProductIDYearly:    "PROD_1BIezCi932IbgCzRIV8hcJ",
@@ -55,8 +55,8 @@ func TestResolveBaseCheckoutURL_PerpetualOnetimeCNY(t *testing.T) {
 	if q.Get("type") != "onetime" {
 		t.Fatalf("type=%s want onetime", q.Get("type"))
 	}
-	if q.Get("currency") != "CNY" {
-		t.Fatalf("currency=%s want CNY", q.Get("currency"))
+	if q.Get("currency") != "USD" {
+		t.Fatalf("currency=%s want USD", q.Get("currency"))
 	}
 }