Apex Payment 为电子书订阅、电商、数字内容与 SaaS 商户提供多国家本地支付方式代收代付、商户预充值余额与 USDT 提现结算——资金由持牌主体持有，独立隔离记账，全程自动对账。 Apex Payment gives ebook, e-commerce, digital content and SaaS merchants multi-country local payment collection, payouts, prepaid merchant balance and USDT settlement — funds held by licensed entities, segregated and reconciled automatically.
四个能力模块共用一套账户与账本体系，商户通过一个 API 和一个后台完成全部操作。Four modules on one account and ledger — merchants run everything through a single API and dashboard.
聚合多国家本地支付方式：Pix 二维码与 Copy&Paste、Payment Link、托管收银台。订单状态实时回传，支持全额与部分退款。Aggregate local payment methods — Pix QR & Copy&Paste, payment links and hosted checkout. Real-time status callbacks, full and partial refunds.
巴西 Pix 收款详解Brazil Pix in detail向本地收款人单笔或批量付款：收款人先核身、后放款，金额先冻结再支付，失败自动解冻退回商户余额。Single and batch payouts to local recipients: verify first, then release. Amounts are held during review and unfrozen automatically on failure.
预充值/可用余额模式，不提供授信与后结算。可用与冻结双余额，复式账本逐笔分录，余额流水可导出对账。Prepaid balance model — no credit, no post-settlement. Available and on-hold balances, double-entry ledger for every movement, exportable statements.
商户余额按需换汇 USDT 提现：报价透明、网络与地址白名单校验、首次地址冷静期、TxHash 全程可查，与法币出金轨道并存。Convert merchant balance to USDT on demand: transparent FX quotes, network and address whitelisting, first-address cooling period, full TxHash traceability — alongside fiat rails.
USDT 结算详解USDT settlement in detailUSDT 不是产品卖点，而是出金轨道：商户余额以法币计价，出金时按成本与到账时间选择银行或链上轨道。USDT is a settlement rail, not a pitch: balances are fiat-denominated, and each withdrawal is routed by cost and speed across bank or on-chain rails.
终端用户通过 Pix 等本地方式付款，订单状态机实时流转。End users pay via Pix and local methods; order state machine updates in real time.
资金由持牌主体接收，扣除明示费用后计入商户可用余额。Funds are received by the licensed entity and credited to the merchant balance net of disclosed fees.
商户发起代付或 USDT 提现，金额冻结、审核放款。Merchants trigger payouts or USDT withdrawals — amounts held, then released on approval.
复式记账引擎借贷平衡，每日与通道、链上数据自动核对。The double-entry engine keeps debits equal to credits and reconciles daily against channels and chain data.
统一资源模型与错误语义，生产环境与沙盒环境仅切换 Key。文档中的每个示例都对应真实端点。One resource model, one error semantics — production and sandbox differ only by API key. Every snippet in the docs maps to a real endpoint.
curl -X POST https://api.apexpayment.com/v1/payment-orders \
-H "X-API-Key: ak_live_9f2e…" \
-H "Idempotency-Key: 2c6a7e1f-9b34-4d2e-a1c5-8f0d6b21e4a7" \
-H "Content-Type: application/json" \
-d '{
"merchantOrderId": "sub_20260904_00318",
"amountMinor": 24900,
"country": "BR",
"paymentMethod": "pix",
"description": "Ebook monthly subscription"
}'{
"id": "po_8f2a91c4",
"orderNo": "APO20260904-003187",
"status": "pending",
"amountMinor": 24900,
"currency": "BRL",
"feeMinor": 523,
"paymentMethod": "pix",
"qrPayload": "00020126580014BR.GOV.BCB.PIX…",
"expiresAt": "2026-09-04T14:32:00Z"
}每个国家都是一套独立配置：币种、支付方式、限额与费率。开通范围以已签约上游通道与合规安排为准。Every country is an independent configuration — currency, methods, limits and pricing. Corridors open as upstream partners are signed and compliance is cleared.
支付平台的护城河不在代码，而在牌照、资金安排与风险体系——我们把它做进系统里。A payment platform's moat is not code — it is licensing, custody arrangements and risk systems. We build them into the product.
以持牌主体持有商户资金；未持牌辖区通过持牌合作方承接。牌照信息公示可核。Merchant funds held by licensed entities; unlicensed corridors served via licensed partners. Licence details are published and verifiable.
预充值/可用余额模式，不授信、不后结算；商户资金独立隔离记账，与平台自有资金分开。Prepaid balance model — no credit, no post-settlement. Merchant funds are kept segregated from platform assets.
商户 KYB 准入、收款人核身与风险评分、制裁名单与链上地址风险筛查，可疑交易有处置流程。Merchant KYB, recipient verification and risk scoring, sanctions and on-chain address screening, with escalation procedures for suspicious activity.
复式记账引擎逐笔分录、借贷强制平衡；运营操作全程审计日志，对账差异可追溯。Double-entry ledger with forced balance; every operations action is audit-logged and every reconciliation break is traceable.
告诉我们你的业务模式与目标国家，我们会在 1 个工作日内回复费率表与接入方案。Tell us your business model and target countries — we will reply within one business day with pricing and an integration plan.