chore: harden real payment onboarding gate

scripts/payment_provider_doctor.py

@@ -0,0 +1,40 @@
+from __future__ import annotations
+
+import json
+import os
+import sys
+from pathlib import Path
+
+ROOT = Path(__file__).resolve().parent.parent
+if str(ROOT) not in sys.path:
+    sys.path.insert(0, str(ROOT))
+
+
+def main() -> int:
+    from data.payments.provider_requirements import build_provider_readiness_report
+
+    provider = os.environ.get("GAOKAO_PAYMENT_PROVIDER", "mock")
+    report = build_provider_readiness_report(provider)
+    print(
+        json.dumps(
+            {
+                "provider": report.provider,
+                "ready": report.ready,
+                "required_env_vars": report.required_env_vars,
+                "missing_env_vars": report.missing_env_vars,
+                "missing_files": report.missing_files,
+                "notes": report.notes,
+            },
+            ensure_ascii=False,
+            indent=2,
+        )
+    )
+    if report.notes and any(
+        note.startswith("unsupported provider") for note in report.notes
+    ):
+        return 3
+    return 0 if report.ready else 2
+
+
+if __name__ == "__main__":
+    raise SystemExit(main())