fix(subscription): preselect pay channel before navigation

src/router/routes.ts

@@ -14,6 +14,8 @@
  * error / not-found / page / sidebar-screen / splash-screen）使用 —— 不能整体注释。
  */
 
+import type { PayChannel } from "@/data/dto/payment";
+
 /** 静态路由字面量 */
 export const ROUTES = {
   root: "/",
@@ -35,9 +37,10 @@ export const ROUTE_BUILDERS = {
     `/chat/image/${encodeURIComponent(messageId)}` as const,
   subscription: (
     type: "vip" | "topup",
-    options: { returnTo?: "chat" } = {},
+    options: { payChannel?: PayChannel; returnTo?: "chat" } = {},
   ): `/subscription?${string}` => {
     const params = new URLSearchParams({ type });
+    if (options.payChannel) params.set("payChannel", options.payChannel);
     if (options.returnTo) params.set("returnTo", options.returnTo);
     return `${ROUTES.subscription}?${params.toString()}` as const;
   },