四大能力，覆盖资金全链路Four capabilities covering the full money flow
代收、代付、商户余额、USDT 提现结算共用一套账户与复式账本——这意味着每一笔钱都有分录、有状态、有对账，而不只是一个回调通知。Collections, payouts, merchant balance and USDT settlement share one account and double-entry ledger — every unit of money has entries, status and reconciliation, not just a callback.
本地支付方式聚合收款Aggregated local payment methods
同一个订单模型，适配每个国家的本地支付习惯。巴西 Pix 支持二维码与 Copy&Paste 两种展示，30 分钟（可配 5–1440 分钟）有效期，超时自动关闭。One order model, adapted to each country's payment habits. Brazil Pix supports QR and Copy&Paste presentation with a configurable 5–1440 minute validity window.
- 多种创建方式Multiple creation paths — API、Payment Link、后台手工、批量导入。
- 状态机驱动State-machine driven — CREATED → PENDING → PAID / EXPIRED / FAILED / REFUNDED，状态含义文档明示。
- 退款有据Traceable refunds — 仅 PAID 可退，退款按原路退回并逐笔记账。
- 元数据透传Metadata passthrough — customerRef、metadata 与 callbackUrl 原样带回。
- 巴西 Pix 收款详解 →Brazil Pix in detail →
订单时间线Order timeline
批次 #PB-20260904-012 · 共 46 笔Batch #PB-20260904-012 · 46 items
风控与放款Risk & release
先核身、后放款的付款体系Verify first, then release
向创作者、供应商或承包商批量付款时，最大的风险是打错钱和打错人。Apex 把收款人核身放在放款之前：姓名、证件、收款账户一致性校验与风险评分先行，评分不达标进入人工审核。When paying creators, suppliers or contractors at scale, the biggest risks are wrong amounts and wrong recipients. Apex verifies recipients before release: name, ID and account consistency checks with risk scoring, routing low scores to manual review.
- 两段式资金流转Two-phase funds — 提交即冻结（可用 → 冻结），放款或失败时分别解冻/扣款，余额永不出现负数。
- 批量能力Batch support — API 逐笔、CSV 导入、模板复用，适合创作者分佣与供应商结算。
- 全程可撤销Cancellable states — created / pending_review 阶段可取消并即时解冻。
预充值模式，复式账本底座Prepaid model, double-entry core
商户以预充值获得可用余额，平台不提供授信、不做后结算——资金风险敞口从商业模式上就被消除。所有余额变动都是账本分录：借贷必相等，禁止直接改余额。Merchants top up to obtain an available balance; the platform extends no credit and settles nothing post-facto — commercial risk exposure is eliminated by design. Every balance movement is a ledger entry; debits must equal credits, and direct balance edits are impossible.
- 双余额Dual balances — 可用余额与冻结余额分离，代付/提现占用一目了然。
- 逐笔分录Entry-level traceability — 每笔收款、退款、代付、调账都有 refNo 与备忘，可追溯到订单。
- 对账报表Statements — 余额流水可按日导出，与通道账单、账本分录三方核对。
账本分录 · 最近Recent ledger entries
全天候出金轨道，报价透明An always-on settlement rail, transparent FX
部分市场的银行出金慢、覆盖差。商户余额可按需换汇为 USDT 提现：换汇报价在提交前明示点差，链上转账 TxHash 全程可查，并与法币出金轨道并存——按成本、限额和到账时间自动路由。In some markets bank payouts are slow or patchy. Merchants can convert balance to USDT on demand: the FX quote discloses the spread before submission, every transfer carries a traceable TxHash, and the fiat rail stays available — routing by cost, limits and speed.
- 地址白名单 + 首址冷静期Whitelist + cooling period — 首次添加提现地址需冷静期后生效，杜绝误改。
- 链上风险筛查On-chain screening — 提现地址经过风险库筛查，命中高风险直接拦截并人工复核。
- 合规边界清晰Clear compliance boundary — USDT 仅用于商户结算出金，不面向终端消费者开放。
- USDT 结算详解 →USDT settlement in detail →
curl -X POST https://api.apexpayment.com/v1/withdrawals \
-H "X-API-Key: ak_live_9f2e…" \
-H "Content-Type: application/json" \
-d '{
"network": "TRC20",
"address": "TXk9…whitelisted",
"amountMinor": 12480000000
}'{
"id": "wd_3e71b0c9",
"status": "requested",
"network": "TRC20",
"amountMinor": 12480000000,
"fxQuote": { "rate": "5.0930", "spreadBps": 45 },
"createdAt": "2026-09-04T09:41:00Z"
} // 冻结可用余额 → 审核放行 → TxHash 回填费用构成透明，没有隐藏项Transparent fee structure, nothing hidden
按国家、通道与月交易量定价。以下为费用构成说明；联系销售获取针对你业务的报价表。Priced by country, channel and monthly volume. Below is the fee composition; contact sales for a quote tailored to your business.
| 费用项Fee item | 计费方式How it is charged | 说明Notes |
|---|---|---|
| 代收交易费Collection fee | 固定费 + 比例费Fixed + percentage | 按国家与支付方式定价，订单创建时即返回 feeMinor，先算清再成交。Per country and method; the order response carries feeMinor up front. |
| 代付交易费Payout fee | 固定费 + 比例费Fixed + percentage | 单笔与批量同价原则，批量另有月度费率阶梯。Same-rate principle for single and batch; volume tiers apply monthly. |
| 换汇点差FX spread | 法币余额 ↔ USDT 点差Fiat ↔ USDT spread | 报价在提交前完整展示（rate + spreadBps），不事后加价。Fully disclosed before submission (rate + spreadBps); no retroactive markup. |
| 提现 / 结算费Withdrawal fee | 网络费 + 服务费Network + service fee | USDT 链上网络费实报实销，服务费按次计。On-chain network fees passed through at cost; service fee per withdrawal. |
| 订阅与增值Subscription & add-ons | 月度订阅Monthly subscription | 批量付款模板、专属费率、API 配额提升与优先审核。Payout templates, dedicated rates, higher API quotas and priority review. |
从注册到生产，五步走完Five steps from signup to production
注册企业账号Register
创建账号并填写企业资料。Create an account and company profile.
KYB 审核review
提交资质文件，运营审核通过后开通沙盒。Submit documents; sandbox opens after approval.
API Key
分别创建测试与生产 Key，完整 Key 仅展示一次。Create test and live keys; the full key is shown once.
沙盒联调Sandbox
模拟支付全链路联调 Webhook 与对账。Run the simulated end-to-end flow, webhooks included.
生产开通Go live
通道启用，首笔真实交易由运营陪跑。Corridor enabled; first live transactions supervised.
需要针对你业务的报价表？Need a quote for your business?
告诉我们业务模式、目标国家与预计月交易量，我们按通道现状给出可执行的费率与接入方案。Share your model, target countries and expected monthly volume — we will come back with executable pricing and an integration plan.