fix payment checkout fallback to manual transfer

frontend/components/account/account-copy.ts

@@ -193,8 +193,8 @@ export function createAccountCopy(isEn: boolean): Record<string, string> {
         ? "Your wallet needs a small amount of POL for gas fees; USDC alone may not complete authorization or payment. Please confirm your wallet is on Polygon network and keep some POL before paying."
         : "钱包里需要少量 POL 作为 gas 手续费；只有 USDC 可能无法完成授权或支付。请确认当前钱包在 Polygon 网络，并预留一点 POL 后再支付。",
       paymentManualDesc: isEn
-        ? "Option 2: Transfer directly to the platform's receiver contract without binding a wallet. After the transfer, submit the transaction hash (Tx Hash) and the system will verify and activate Pro automatically."
-        : "方式二：无需将钱包绑定到账号，直接向平台收款合约转账。转账完成后提交交易哈希（Tx Hash）系统会自动验签并开通 Pro。",
+        ? "Option 2: Transfer directly to the platform's receiver address without binding a wallet. After the transfer, submit the transaction hash (Tx Hash) and the system will verify and activate Pro automatically."
+        : "方式二：无需将钱包绑定到账号，直接向平台收款地址转账。转账完成后提交交易哈希（Tx Hash）系统会自动验签并开通 Pro。",
       paymentManualTitle: isEn
         ? "Manual Transfer (No Wallet Binding)"
         : "手动转账（无需绑定钱包）",

frontend/components/account/usePaymentFlow.ts

@@ -480,11 +480,13 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
         ) ||
         latestTokens.find((token) => Number(token.chain_id || targetChainId) === targetChainId);
       if (selectedLatestToken?.supports_contract_checkout === false) {
-        throw new Error(
+        setPaymentInfo(
           isEn
             ? `${selectedLatestToken.chain_name || chainIdToDisplayName(targetChainId)} ${selectedLatestToken.symbol || "USDC"} supports manual transfer only.`
-            : `${selectedLatestToken.chain_name || chainIdToDisplayName(targetChainId)} ${selectedLatestToken.symbol || "USDC"} 仅支持手动转账。`,
+            : `${selectedLatestToken.chain_name || chainIdToDisplayName(targetChainId)} ${selectedLatestToken.symbol || "USDC"} 当前仅支持手动转账。`,
         );
+        await createManualPaymentIntent();
+        return;
       }
       const expectedReceiver = String(selectedLatestToken?.receiver_contract || latestConfig.receiver_contract || "").toLowerCase();
       assertExpectedPaymentReceiver(expectedReceiver, "payment receiver contract");

src/payments/contract_checkout.py

@@ -109,6 +109,21 @@ def _env_bool(name: str, default: bool = False) -> bool:
     return str(raw).strip().lower() in {"1", "true", "yes", "on"}
 
 
+def _config_bool(value: Any, default: bool = False) -> bool:
+    if value is None:
+        return default
+    if isinstance(value, bool):
+        return value
+    if isinstance(value, (int, float)):
+        return bool(value)
+    text = str(value).strip().lower()
+    if text in {"1", "true", "yes", "on"}:
+        return True
+    if text in {"0", "false", "no", "off"}:
+        return False
+    return default
+
+
 def _env_int(name: str, default: int) -> int:
     raw = os.getenv(name)
     if raw is None:
@@ -650,9 +665,22 @@ class PaymentContractCheckoutService:
             )
         except Exception:
             confirmations = None
-        supports_direct_transfer = bool(row.get("supports_direct_transfer", True))
-        supports_contract_checkout = bool(
-            row.get("supports_contract_checkout", row.get("supports_contract", chain_id == self.chain_id))
+        supports_direct_transfer = _config_bool(
+            row.get("supports_direct_transfer"),
+            True,
+        )
+        contract_support_raw = row.get(
+            "supports_contract_checkout",
+            row.get("supports_contract"),
+        )
+        same_direct_receiver = bool(
+            receiver_contract
+            and direct_receiver_address
+            and receiver_contract == direct_receiver_address
+        )
+        supports_contract_checkout = _config_bool(
+            contract_support_raw,
+            bool(chain_id == self.chain_id and receiver_contract and not same_direct_receiver),
         )
         return PaymentTokenConfig(
             code=code,

tests/test_direct_payment.py

@@ -1,4 +1,10 @@
-from src.payments.contract_checkout import PaymentContractCheckoutService, PaymentIntentRecord
+import pytest
+
+from src.payments.contract_checkout import (
+    PaymentCheckoutError,
+    PaymentContractCheckoutService,
+    PaymentIntentRecord,
+)
 
 
 ETHEREUM_USDC = "0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48"
@@ -69,6 +75,50 @@ def test_config_payload_exposes_polygon_and_ethereum_payment_routes(
     assert eth_token["supports_contract_checkout"] is False
 
 
+def test_matching_direct_receiver_disables_contract_checkout_by_default(
+    monkeypatch, tmp_path
+):
+    _setup_multichain_env(monkeypatch, tmp_path)
+    service = PaymentContractCheckoutService()
+
+    polygon_token = next(
+        row for row in service.get_config_payload()["tokens"] if row["chain_id"] == 137
+    )
+
+    assert polygon_token["direct_receiver_address"] == RECEIVER.lower()
+    assert polygon_token["supports_direct_transfer"] is True
+    assert polygon_token["supports_contract_checkout"] is False
+    with pytest.raises(PaymentCheckoutError) as exc:
+        service.create_intent("user-1", "pro_monthly", payment_mode="strict")
+    assert exc.value.status_code == 400
+    assert "manual transfer only" in exc.value.detail
+
+
+def test_explicit_contract_checkout_support_overrides_matching_direct_receiver(
+    monkeypatch, tmp_path
+):
+    _setup_multichain_env(monkeypatch, tmp_path)
+    monkeypatch.setenv(
+        "POLYWEATHER_PAYMENT_ACCEPTED_TOKENS_JSON",
+        (
+            "["
+            f'{{"code":"usdc_polygon","symbol":"USDC","name":"USDC on Polygon",'
+            f'"chain_id":137,"chain_code":"polygon","chain_name":"Polygon",'
+            f'"address":"{POLYGON_USDC}","decimals":6,'
+            f'"receiver_contract":"{RECEIVER}",'
+            f'"direct_receiver_address":"{RECEIVER}",'
+            f'"supports_contract_checkout":true,'
+            f'"supports_direct_transfer":true,"is_default":true}}'
+            "]"
+        ),
+    )
+    service = PaymentContractCheckoutService()
+
+    token = service.get_config_payload()["tokens"][0]
+
+    assert token["supports_contract_checkout"] is True
+
+
 def test_create_direct_intent_can_target_ethereum_usdc(monkeypatch, tmp_path):
     _setup_multichain_env(monkeypatch, tmp_path)
     service = PaymentContractCheckoutService()