feat(M05-B): 完成微信支付退款与对账基础

database/migrations/2026062216_m05b_wechat_refunds.down.sql

@@ -0,0 +1,10 @@
+DELETE FROM qipai_schema_migrations WHERE version = '2026062216';
+DROP TABLE IF EXISTS qipai_reconciliation_runs;
+ALTER TABLE qipai_refunds
+  DROP INDEX uq_qipai_refund_callback,
+  DROP INDEX uq_qipai_refund_client_request,
+  DROP COLUMN raw_response,
+  DROP COLUMN failure_code,
+  DROP COLUMN provider_callback_id,
+  DROP COLUMN provider,
+  DROP COLUMN client_request_id;