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docs(payment): add Kyren Topup as international EasyPay provider option

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Restructure the EasyPay recommendation block to present two options side
by side so users can pick by funding channel and settlement currency:

- Domestic / CNY — ZPay: official Alipay/WeChat API with 1.6% fee and
  T+1 automatic settlement (existing recommendation, expanded with fee
  and settlement details).
- International / USDT or USD — Kyren Topup (https://kyren.top): global
  payment stack supporting WeChat Pay and Alipay with local-currency
  checkout, USD settlement, and USDT/USD withdrawal. Fees: WeChat 2%,
  Alipay 2.5%, withdrawal 0.1% ($40 min / $150 max). Fills the gap for
  users who cannot use domestic Chinese channels or tolerate Stripe's
  6%+ fees.

Both recommendations share a single disclaimer at the end. The Chinese
heading uses "易支付" while the English one keeps "EasyPay".
This commit is contained in:
erio
2026-04-18 14:42:55 +08:00
parent 6cfdf4ec05
commit 37123cef8f
2 changed files with 12 additions and 2 deletions
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7
docs/PAYMENT.md
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@@ -28,7 +28,12 @@ Sub2API has a built-in payment system that enables user self-service top-up with
> Alipay/WeChat Pay direct and EasyPay can coexist. Direct channels connect to payment APIs directly with lower fees; EasyPay aggregates through third-party platforms with easier setup.
> **EasyPay Recommendation**: [ZPay](https://z-pay.cn/?uid=23808) (`https://z-pay.cn/?uid=23808`) is recommended as an EasyPay provider (link contains the referral code of [Sub2ApiPay](https://github.com/touwaeriol/sub2apipay) original author [@touwaeriol](https://github.com/touwaeriol) — feel free to remove it). ZPay supports **individual users** (no business license required) with up to 10,000 CNY daily transactions; business-licensed accounts have no limit. Please evaluate the security, reliability, and compliance of any third-party payment provider on your own — this project does not endorse or guarantee any of them.
> **EasyPay Provider Recommendations**: Both options below are third-party aggregators compatible with the EasyPay protocol. Pick based on the funding channel and settlement currency you need:
>
> - **Domestic channel / CNY settlement** — [ZPay](https://z-pay.cn/?uid=23808) (`https://z-pay.cn/?uid=23808`): direct integration with official Alipay / WeChat Pay APIs, fee **1.6%**; funds go straight to the merchant account with **T+1 automatic settlement**. Supports **individual users** (no business license required) with up to 10,000 CNY daily transactions; business-licensed accounts have no limit. Link contains the referral code of [Sub2ApiPay](https://github.com/touwaeriol/sub2apipay) original author [@touwaeriol](https://github.com/touwaeriol) — feel free to remove it.
> - **International channel / USDT or USD settlement** — [Kyren Topup](https://kyren.top/?code=SUB2API) (`https://kyren.top/?code=SUB2API`): a ready-to-launch global payment stack for AI startups with WeChat Pay and Alipay support, local-currency checkout, and USD settlement. Fees: WeChat 2%, Alipay 2.5%; withdrawal 0.1% (min $40, max $150), settled in **USDT or USD**. No qualification review required — sign up and use immediately, making it the lowest barrier to entry. Withdrawal threshold is relatively high, recommended for users **who do not use domestic Chinese payment channels, cannot tolerate Stripe's 6%+ fees, have high transaction volume, and have USD or USDT channels to receive withdrawn funds**. Link contains Sub2Api author [@Wei-Shaw](https://github.com/Wei-Shaw)'s referral code — feel free to remove it.
>
> Please evaluate the security, reliability, and compliance of any third-party payment provider on your own — this project does not endorse or guarantee any of them.
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