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docs: EasyPay描述改为代收/转发官方，强调资金直达自己账户

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2026-03-14 04:06:31 +08:00
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README.en.md
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@@ -118,7 +118,7 @@ PAYMENT_PROVIDERS=easypay
PAYMENT_PROVIDERS=alipay,wxpay,stripe
```
> **Alipay / WeChat Pay (official)** and **EasyPay** can coexist. Official channels connect directly to Alipay/WeChat Pay APIs with funds going straight to your merchant account and lower fees; EasyPay uses a third-party aggregation platform with a lower barrier to entry. When using EasyPay, choose providers where funds are routed through official Alipay/WeChat Pay channels rather than third-party collection.
> **Alipay / WeChat Pay (official)** and **EasyPay** can coexist. Official channels connect directly to Alipay/WeChat Pay APIs with funds going straight to your merchant account and lower fees; EasyPay proxies payments through a third-party platform that forwards to official channels, with a lower barrier to entry. When using EasyPay, choose providers where funds are forwarded through official channels directly to your own account, rather than collected by a third party.
#### EasyPay (Alipay / WeChat Pay Aggregation)

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README.md
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@@ -118,7 +118,7 @@ PAYMENT_PROVIDERS=easypay
PAYMENT_PROVIDERS=alipay,wxpay,stripe
```
> **支付宝官方 / 微信官方**与 **EasyPay** 可以共存。官方渠道直接对接支付宝/微信 API，资金直达商户账户，手续费更低；EasyPay 通过第三方聚合平台代收，接入门槛更低。使用 EasyPay 时请尽量选择资金直接走支付宝/微信官方渠道，而非第三方代收的、不经过第三方中转的服务商。
> **支付宝官方 / 微信官方**与 **EasyPay** 可以共存。官方渠道直接对接支付宝/微信 API，资金直达商户账户，手续费更低；EasyPay 通过第三方平台代收/转发官方，接入门槛更低。使用 EasyPay 时请尽量选择资金直接走转发官方直达自己账户的形式，而非第三方代收的服务商。
#### EasyPay（支付宝 / 微信支付聚合）