chore: harden real payment onboarding gate
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.env.payment.example
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8
.env.payment.example
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GAOKAO_PAYMENT_PROVIDER=mock
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GAOKAO_PAYMENT_BASE_URL=https://example.com
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GAOKAO_PAYMENT_WEBHOOK_SECRET=replace-with-independent-payment-webhook-secret
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GAOKAO_PAYMENT_NOTIFY_URL=
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GAOKAO_PAYMENT_RETURN_URL=
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GAOKAO_PAYMENT_APP_ID=
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GAOKAO_PAYMENT_PRIVATE_KEY_PATH=
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GAOKAO_PAYMENT_ALIPAY_PUBLIC_KEY_PATH=
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