fix(topup): reject uncreditable orders before payment (#6845)

* fix(topup): reject uncreditable orders before payment

* fix(topup): align zero-ratio Stripe validation

* fix(topup): mirror settlement conversions in validation

controller/topup_waffo.go

@@ -123,6 +123,9 @@ func RequestWaffoAmount(c *gin.Context) {
 		c.JSON(http.StatusOK, gin.H{"message": "error", "data": fmt.Sprintf("充值数量不能小于 %d", waffoMinTopup)})
 		return
 	}
+	if rejectInvalidTopUpQuota(c, req.Amount) {
+		return
+	}
 
 	id := c.GetInt("id")
 	group, err := model.GetUserGroup(id, true)
@@ -157,6 +160,9 @@ func RequestWaffoPay(c *gin.Context) {
 		c.JSON(http.StatusOK, gin.H{"message": "error", "data": fmt.Sprintf("充值数量不能小于 %d", waffoMinTopup)})
 		return
 	}
+	if rejectInvalidTopUpQuota(c, req.Amount) {
+		return
+	}
 
 	id := c.GetInt("id")
 	user, err := model.GetUserById(id, false)