bot-28/app/Models/PaymentDirectRecharge.php

<?php

namespace App\Models;

use Illuminate\Database\Eloquent\SoftDeletes;

class PaymentDirectRecharge extends BaseModel
{
    use SoftDeletes;

    protected $table = 'payment_direct_recharges';
    protected $guarded = [];
    protected $hidden = ['deleted_at'];
    protected $casts = [
        'amount' => 'decimal:2',
        'recharge_channel_group_ids' => 'array',
        'status' => 'integer',
    ];
    protected $appends = ['fee_rate', 'fee_fixed', 'actual_amount'];

    public function rechargeChannel()
    {
        return $this->belongsTo(RechargeChannel::class, 'recharge_channel_id');
    }

    public function getFeeRateAttribute($value = null): string
    {
        return $this->rechargeChannel
            ? bcmul((string)$this->rechargeChannel->rate, '100', 4)
            : '0.0000';
    }

    public function getFeeFixedAttribute($value = null): string
    {
        return bcadd((string)($this->rechargeChannel->fee_fixed ?? 0), '0', 4);
    }

    /** 扣除三方手续费（金额 × 费率 + 每笔固定费，平台承担）后平台实际收到的金额。 */
    public function getActualAmountAttribute(): string
    {
        $rate = $this->rechargeChannel ? (string)$this->rechargeChannel->rate : '0';
        $fee = bcadd(bcmul((string)$this->amount, $rate, 6), $this->fee_fixed, 6);
        return bcsub((string)$this->amount, $fee, 2);
    }
}