GET https://proapi.banlv-ai.com/api/payment/plans
结果：
status=200
success=true
plans 数量 8
VIP 套餐 3 个
credits 套餐 5 个
snake_keys=[]，已经没有 plan_id / amount_cents 这种字段
schema 校验通过：proapi_plans_camel_schema_ok true
前端按这个结构用：
type PaymentPlan = {
  planId: string;
  planName: string;
  orderType: 'vip_monthly' | 'vip_quarterly' | 'vip_annual' | 'dol';
  vipDays: number | null;
  dolAmount: number | null;
  creditBalance: number;
  amountCents: number;
  originalAmountCents: number | null;
  dailyPriceCents: number | null;
  currency: string;
};
分组：
const plans = res.data.plans;

const vipPlans = plans.filter(p => p.vipDays !== null);
const creditPlans = plans.filter(p => p.dolAmount !== null);
下单仍然传 planId：
{
  "planId": "vip_monthly",
  "payChannel": "stripe",
  "autoRenew": true
}
价格、币种全部以前端拿到的 amountCents / currency 展示，不要写死。当前我这边访问 pro 返回的是 JPY，这是 Cloudflare 根据访问 IP 判的国家币种。