s''

app/payment/factory.py

@@ -34,6 +34,17 @@ def get_payment_provider() -> PaymentProvider:
     return _provider_instance
 
 
+def get_payment_provider_by_name(name: str) -> PaymentProvider:
+    """按名称获取 Provider（用于 per-request 覆盖）"""
+    if name == "xorpay":
+        return XorPayProvider(
+            aid=XORPAY_AID,
+            secret=XORPAY_SECRET,
+            cashier_url=XORPAY_CASHIER_URL,
+        )
+    return ZPayProvider(pid=ZPAY_PID, key=ZPAY_KEY)
+
+
 def reset_provider():
     """重置 Provider（用于测试或切换渠道）"""
     global _provider_instance