feat: require compliance confirmation for paid features

Gate payment, redemption, subscription, and invitation reward flows behind an audited compliance acknowledgement.

controller/payment_webhook_availability.go

@@ -7,7 +7,14 @@ import (
 	"github.com/QuantumNous/new-api/setting/operation_setting"
 )
 
+func isPaymentComplianceConfirmed() bool {
+	return operation_setting.IsPaymentComplianceConfirmed()
+}
+
 func isStripeTopUpEnabled() bool {
+	if !isPaymentComplianceConfirmed() {
+		return false
+	}
 	return strings.TrimSpace(setting.StripeApiSecret) != "" &&
 		strings.TrimSpace(setting.StripeWebhookSecret) != "" &&
 		strings.TrimSpace(setting.StripePriceId) != ""
@@ -22,6 +29,9 @@ func isStripeWebhookEnabled() bool {
 }
 
 func isCreemTopUpEnabled() bool {
+	if !isPaymentComplianceConfirmed() {
+		return false
+	}
 	products := strings.TrimSpace(setting.CreemProducts)
 	return strings.TrimSpace(setting.CreemApiKey) != "" &&
 		products != "" &&
@@ -37,6 +47,9 @@ func isCreemWebhookEnabled() bool {
 }
 
 func isWaffoTopUpEnabled() bool {
+	if !isPaymentComplianceConfirmed() {
+		return false
+	}
 	if !setting.WaffoEnabled {
 		return false
 	}
@@ -61,6 +74,9 @@ func isWaffoWebhookEnabled() bool {
 }
 
 func isWaffoPancakeTopUpEnabled() bool {
+	if !isPaymentComplianceConfirmed() {
+		return false
+	}
 	if !setting.WaffoPancakeEnabled {
 		return false
 	}
@@ -86,6 +102,9 @@ func isWaffoPancakeWebhookEnabled() bool {
 }
 
 func isEpayTopUpEnabled() bool {
+	if !isPaymentComplianceConfirmed() {
+		return false
+	}
 	return isEpayWebhookConfigured() && len(operation_setting.PayMethods) > 0
 }