fix mifapay zero-decimal currency amount

services/wallet-service/internal/service/wallet/external_recharge_order.go

@@ -60,7 +60,7 @@ func (s *Service) createMifaPayRechargeOrder(ctx context.Context, command ledger
 	if err := validateMifaPayMethodForOrder(method, command); err != nil {
 		return ledger.ExternalRechargeOrder{}, err
 	}
-	providerAmountMinor, err := calculateProviderAmountMinor(amountMicroToUSDMinor(product.AmountMicro), method.USDToCurrencyRate)
+	providerAmountMinor, err := calculateProviderAmountMinor(amountMicroToUSDMinor(product.AmountMicro), method.USDToCurrencyRate, method.CurrencyCode)
 	if err != nil {
 		return ledger.ExternalRechargeOrder{}, err
 	}
@@ -111,7 +111,7 @@ func (s *Service) createV5PayRechargeOrder(ctx context.Context, command ledger.C
 	if err := validateV5PayMethodForOrder(method, command); err != nil {
 		return ledger.ExternalRechargeOrder{}, err
 	}
-	providerAmountMinor, err := calculateProviderAmountMinor(amountMicroToUSDMinor(product.AmountMicro), method.USDToCurrencyRate)
+	providerAmountMinor, err := calculateProviderAmountMinor(amountMicroToUSDMinor(product.AmountMicro), method.USDToCurrencyRate, method.CurrencyCode)
 	if err != nil {
 		return ledger.ExternalRechargeOrder{}, err
 	}

services/wallet-service/internal/service/wallet/external_recharge_validate.go

@@ -116,7 +116,7 @@ func validateMifaPayMethodForOrder(method ledger.ThirdPartyPaymentMethod, comman
 	if method.CountryCode != "GLOBAL" && !strings.EqualFold(method.CountryCode, command.TargetCountryCode) {
 		return xerr.New(xerr.Conflict, "mifapay method country does not match")
 	}
-	if _, err := calculateProviderAmountMinor(100, method.USDToCurrencyRate); err != nil {
+	if _, err := calculateProviderAmountMinor(100, method.USDToCurrencyRate, method.CurrencyCode); err != nil {
 		return err
 	}
 	return nil
@@ -132,13 +132,13 @@ func validateV5PayMethodForOrder(method ledger.ThirdPartyPaymentMethod, command
 	if strings.TrimSpace(method.PayType) == "" {
 		return xerr.New(xerr.InvalidArgument, "v5pay product type is required")
 	}
-	if _, err := calculateProviderAmountMinor(100, method.USDToCurrencyRate); err != nil {
+	if _, err := calculateProviderAmountMinor(100, method.USDToCurrencyRate, method.CurrencyCode); err != nil {
 		return err
 	}
 	return nil
 }
 
-func calculateProviderAmountMinor(usdMinor int64, rate string) (int64, error) {
+func calculateProviderAmountMinor(usdMinor int64, rate string, currencyCode string) (int64, error) {
 	if usdMinor <= 0 {
 		return 0, xerr.New(xerr.InvalidArgument, "usd amount is invalid")
 	}
@@ -146,9 +146,23 @@ func calculateProviderAmountMinor(usdMinor int64, rate string) (int64, error) {
 	if err != nil || value <= 0 {
 		return 0, xerr.New(xerr.InvalidArgument, "payment exchange rate is invalid")
 	}
+	if providerCurrencyScale(currencyCode) == 0 {
+		// MiFaPay still receives a fixed two-decimal integer amount, but zero-decimal currencies
+		// such as IDR must represent a whole major-unit amount after the provider divides by 100.
+		return int64(math.Round(float64(usdMinor)/100*value)) * 100, nil
+	}
 	return int64(math.Round(float64(usdMinor) * value)), nil
 }
 
+func providerCurrencyScale(currencyCode string) int {
+	switch strings.ToUpper(strings.TrimSpace(currencyCode)) {
+	case "BIF", "CLP", "DJF", "GNF", "IDR", "JPY", "KMF", "KRW", "MGA", "PYG", "RWF", "UGX", "VND", "VUV", "XAF", "XOF", "XPF":
+		return 0
+	default:
+		return 2
+	}
+}
+
 func amountMicroToUSDMinor(amountMicro int64) int64 {
 	if amountMicro <= 0 {
 		return 0

services/wallet-service/internal/service/wallet/service_test.go

@@ -2452,6 +2452,37 @@ func TestH5MifaPayOrderRejectsPaymentMethodFromAnotherCountry(t *testing.T) {
 	}
 }
 
+// TestH5MifaPayOrderRoundsZeroDecimalCurrency 锁定 IDR 等零小数币种的三方下单金额：
+// MiFaPay 按 fixed minor 接收 amount，但会校验 IDR 主单位不能带小数，因此本地要把主单位先归整。
+func TestH5MifaPayOrderRoundsZeroDecimalCurrency(t *testing.T) {
+	repository := mysqltest.NewRepository(t)
+	svc := walletservice.New(repository)
+	mifaPay := &fakeMifaPayClient{}
+	svc.SetMifaPayClient(mifaPay)
+	svc.SetExternalRechargeConfig(walletservice.ExternalRechargeConfig{MifaPayNotifyURL: "https://api.example.com/api/v1/payment/mifapay/notify"})
+	product := repository.CreateH5RechargeProduct(ledger.RechargeAudienceNormal, 7201, 300_000_000, 28_200_000)
+	idBankMethodID := repository.ThirdPartyPaymentMethodID("ID", "BankTransfer", "BCA")
+	repository.SetThirdPartyPaymentRate(idBankMethodID, "17706.65883333")
+
+	order, err := svc.CreateH5RechargeOrder(context.Background(), ledger.CreateExternalRechargeOrderCommand{
+		AppCode:           appcode.Default,
+		CommandID:         "cmd-h5-mifapay-idr-integer",
+		TargetUserID:      42002,
+		TargetRegionID:    7201,
+		TargetCountryCode: "ID",
+		AudienceType:      ledger.RechargeAudienceNormal,
+		ProductID:         product.ProductID,
+		ProviderCode:      ledger.PaymentProviderMifaPay,
+		PaymentMethodID:   idBankMethodID,
+	})
+	if err != nil {
+		t.Fatalf("CreateH5RechargeOrder IDR failed: %v", err)
+	}
+	if order.ProviderAmountMinor != 531_199_800 || mifaPay.createReq.ProviderAmountMinor != 531_199_800 {
+		t.Fatalf("IDR amount must be rounded to whole major units before fixed-minor submit: order=%+v req=%+v", order, mifaPay.createReq)
+	}
+}
+
 // TestH5MifaPayOrderRejectsUpstreamFailureAsUnavailable 锁定 MiFaPay 网关拒单的边界：本地订单要落失败便于排障，
 // 对外错误必须保持上游依赖失败语义，不能伪装成商品、幂等或状态冲突。
 func TestH5MifaPayOrderRejectsUpstreamFailureAsUnavailable(t *testing.T) {

services/wallet-service/internal/testutil/mysqltest/mysqltest.go

@@ -410,6 +410,20 @@ func (r *Repository) ThirdPartyProviderPaymentMethodID(providerCode string, coun
 	return methodID
 }
 
+// SetThirdPartyPaymentRate updates the production payment method row so service tests can lock provider amount semantics.
+func (r *Repository) SetThirdPartyPaymentRate(methodID int64, rate string) {
+	r.t.Helper()
+
+	if _, err := r.schema.DB.ExecContext(context.Background(), `
+		UPDATE third_party_payment_methods
+		SET usd_to_currency_rate = ?, updated_at_ms = ?
+		WHERE method_id = ?`,
+		strings.TrimSpace(rate), time.Now().UnixMilli(), methodID,
+	); err != nil {
+		r.t.Fatalf("set third party payment rate failed: %v", err)
+	}
+}
+
 // SetGiftPrice overrides or inserts a gift settlement price for server-side billing tests.
 func (r *Repository) SetGiftPrice(giftID string, priceVersion string, coinPrice int64, giftPointAmount int64, heatValue int64) {
 	r.t.Helper()