M5: Workerman 常驻服务 + AI 审核/润色插件 + 支付插件（支付宝/微信/沙箱）+ 会员插件（套餐/订阅/付费文章）

plugins/neatstudio.payment/database/migrations/2026_08_11_100000_create_payments_table.php

@@ -0,0 +1,33 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::create('payments', function (Blueprint $table) {
+            $table->id();
+            $table->string('order_no', 40)->unique();
+            $table->foreignId('user_id')->nullable()->constrained()->nullOnDelete();
+            $table->string('subject', 255);
+            $table->string('description', 500)->nullable();
+            $table->unsignedBigInteger('amount'); // 单位：分
+            $table->string('channel', 20)->default('alipay'); // alipay / wechat / sandbox
+            $table->string('status', 20)->default('pending'); // pending / paid / failed / closed
+            $table->string('gateway_trade_no', 100)->nullable();
+            $table->json('payload')->nullable();
+            $table->timestamp('paid_at')->nullable();
+            $table->timestamps();
+
+            $table->index(['user_id', 'status']);
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('payments');
+    }
+};