validate 请求体
{
"code": "RC-XXXXXXXX",
"external_customer_id": "customer_001",
"product_option_id": "option_1000",
"checkout_amount_usd": 891,
"recharge_mode": "preset"
}
checkout_amount_usd 可省略;省略时 validate 返回记录中的 pay_amount_usd,适用于服务端 quote。