服务条款（要点摘要）Terms of service — key points

1. 服务说明The service

Apex Payment 提供多国家代收代付 API 聚合、商户预充值余额、批量付款与 USDT 提现结算服务。可用国家、支付方式与功能范围随上游通道签约与合规安排逐项开启，并以商户后台与商务确认为准。Apex Payment provides multi-country collection and payout APIs, prepaid merchant balances, batch payouts and USDT withdrawal settlement. Available countries, methods and features open progressively per upstream signings and compliance arrangements, as confirmed in the dashboard and by sales.

2. 商户资格与 KYBEligibility and KYB

商户须为合法注册的企业主体，完成 KYB 审核（营业执照、受益所有人、业务模式与预计交易量）后方可接入生产环境。我们只服务合规的互联网商户，不服务受制裁或高风险行业；提供虚假资料可能导致账户限制或关闭。Merchants must be duly registered businesses that pass KYB review (incorporation, beneficial owners, business model and expected volume) before production access. We serve compliant internet merchants only — no sanctioned or high-risk industries — and falsified information may lead to restriction or closure.

3. 预充值与余额Prepaid model and balances

服务采用预充值/可用余额模式：商户先充值、后使用，平台不提供授信。余额分为可用余额与冻结余额（代付与提现提交即冻结，审核放款或失败解冻）。所有余额变动以复式账本分录记录，对账单可按日导出。The service runs on a prepaid balance basis: top up first, use second — no credit. Balances split into available and on-hold (payouts and withdrawals hold on submission, releasing on approval or failure). Every movement is a double-entry ledger record; statements are exportable daily.

4. 费用与税费Fees and taxes

费用包括代收/代付交易费（固定费+比例费）、换汇点差（USDT 结算）与提现/结算费（网络费+服务费）。订单创建时即返回费用明细（feeMinor）；换汇报价在提交前完整展示。税费按适用法律由各自承担或另行约定。Fees cover collection/payout transaction charges (fixed + percentage), FX spread (USDT settlement) and withdrawal/settlement fees (network + service). Order responses carry fee detail (feeMinor) up front and FX quotes are fully disclosed before submission. Taxes follow applicable law or separate agreement.

5. 禁止用途Prohibited use

• 受制裁国家/地区与名单内人员相关的交易；Transactions involving sanctioned jurisdictions or listed persons;
• 欺诈、洗钱、恐怖融资及为上述行为提供便利；Fraud, money laundering, terrorism financing, or facilitating them;
• 非法商品与服务，以及平台另行明示排除的高风险行业；Illegal goods and services and high-risk industries expressly excluded by the platform;
• 拆分交易规避限额或风控、未经授权使用他人账户或支付工具。Structuring to evade limits or controls, and unauthorised use of accounts or payment instruments.

6. 审核、暂停与终止Review, suspension and termination

为履行合规义务，我们可能对交易、代付与提现实施审核（包括临时冻结与信息补充请求）；对违反本条款或法律要求的行为，可采取限制、暂停或终止措施，并依法配合调查与报告。商户可按协议约定终止合作，终止不影响已产生的结算与对账安排。To meet compliance duties we may review transactions, payouts and withdrawals (including temporary holds and information requests); against breaches we may restrict, suspend or terminate and cooperate with investigations and reporting as required. Merchants may terminate per the agreement; termination does not affect accrued settlement and reconciliation arrangements.

7. 责任限制Limitation of liability

在法律允许的最大范围内，平台对间接损失、利润损失或数据损失不承担责任；平台的累计赔偿责任上限及除外情形以商户协议约定为准。通道原因导致的延迟或失败，我们将按通道条款追偿并配合商户处理，但不对通道行为本身承担超出法律与协议范围的责任。To the maximum extent permitted by law, the platform is not liable for indirect or consequential loss, lost profit or data loss; the cap on aggregate liability and carve-outs follow the merchant agreement. For channel-caused delays or failures we will pursue the channel and assist the merchant, without liability beyond law and the agreement.

8. 适用法律与争议解决Governing law and disputes

适用法律与争议解决方式（管辖法院或仲裁机构、地点与语言）以签署的商户协议为准。本摘要如与商户协议不一致，以商户协议为准。Governing law and dispute resolution (forum or arbitration, seat and language) follow the signed merchant agreement. Where this summary and the agreement differ, the agreement prevails.

9. 条款变更与联系Changes and contact

重大变更会更新本页日期并通知商户。条款相关事宜请联系：sales@apexpayment.com（商务）或 compliance@apexpayment.com（合规）。Material changes update this page's date and are notified to merchants. For terms matters contact sales@apexpayment.com or compliance@apexpayment.com.