What Payment Methods Does APIYI Support?

APIYI supports self-serve online recharge (WeChat / Alipay / USDT / Stripe foreign credit cards) and manual recharge (PayPal / Wise / Mercury Bank / bank wire). Invoices can be issued via our Chinese or US legal entity.

Quick Answer

APIYI currently supports 7 mainstream payment methods, in two categories:

• 🟢 Self-serve online recharge (real-time crediting): WeChat, Alipay, USDT, Stripe (foreign credit cards)
• 🛠️ Manual recharge (credited by support after transfer): PayPal, Wise, Mercury Bank, corporate bank wire

Invoices can be issued via either our Chinese legal entity (VAT 增值税发票) or our US legal entity (PDF Invoice) — covering both domestic and overseas finance workflows.

Payment Methods Overview

Method	How it works	Recharge mode	Best for
WeChat Pay	In-site online, China-only users	Self-serve	China-mainland individuals
Alipay	In-site online, supports Alipay International and overseas accounts	Self-serve	China + overseas Chinese users
USDT	In-site online, crypto, global users, fee ≈ 2 USDT per transfer (cheaper if you bring your own TRON energy; same flat fee for large amounts)	Self-serve	Global / crypto users
Stripe	In-site online, foreign-currency credit cards (real-time, 3D Secure)	Self-serve	Overseas individuals / companies
PayPal	Transfer to a designated account, fee ≈ 6%, paid by the user	Contact support for PayPal handle, manual credit	Overseas individuals
Wise	Transfer to a designated Wise account	Contact support for Wise details, manual credit	Cross-border individuals / companies
Mercury Bank	Transfer to a designated bank account, typically no fee, Invoice issued automatically	Contact support for Payment Link, manual credit	Top choice for overseas companies

🟢 Self-serve Online Recharge (Real-time)

WeChat Pay

One-click QR-code payment in the console. China-mainland users only. Fastest option for domestic individuals.

Alipay

In-site online. Works with both Alipay International and overseas accounts — friendly for global Chinese users.

USDT (Crypto)

In-site online, global access, 24/7. Fee around 2 USDT per transfer — same flat fee regardless of amount; bring your own TRON energy to cut fees further.

Supported networks: TRC20 (recommended), Solana, and other mainstream chains.

Stripe (Foreign Credit Cards)

🆕 Just launched: in-site online, accepts foreign-currency credit cards, real-time crediting, backed by 3D Secure. Use a real-name card issued to your company / yourself / your school.

📖 Launch announcement

Stripe security notice: Stripe enforces strict risk controls — unsafe or non-real-name cards will be rejected outright. Accounts attempting malicious payments (stolen cards, chargebacks, fraud testing) will be banned. Do not use someone else’s card or test cards to retry.

🛠️ Manual Recharge (Credited by Support)

PayPal

Transfer to the PayPal handle provided by support. Fee around 6%, paid by the user (i.e. the transferred amount should cover the fee). Best for small overseas individual top-ups.

Wise (formerly TransferWise)

Transfer to the Wise account provided by support. Transparent FX, fast cross-border settlement — great for freelancers and overseas companies.

Mercury Bank (recommended for overseas companies)

Transfer to the bank account / Payment Link provided by support. Typically no fee, and an Invoice is issued automatically on arrival — most finance-friendly for overseas companies.

Corporate Wire (Bank Transfer)

For Chinese-entity clients or overseas businesses paying via a Chinese trading partner (see cross-border workflow below).

Manual recharge workflow: 1️⃣ Contact support for the receiving account → 2️⃣ Complete the transfer → 3️⃣ Send proof / hash / Payment Link screenshot → 4️⃣ Support verifies and credits your APIYI balance.

🌏 Cross-border / Overseas Customer Workflow

For overseas customers (e.g. Russia, Central Asia, Southeast Asia) who need to pay through a Chinese trading partner, we offer a complete compliant workflow:

1. Sign contract with the Chinese entity

   The overseas customer signs a procurement / service contract with APIYI’s Chinese legal entity, specifying amount, currency, and payment terms.

2. Bank wire to corporate account

   Pay the service fee via corporate bank transfer (SWIFT / cross-border CNY / RUB settlement) to our designated corporate account.

3. Manual credit to APIYI balance

   Once finance confirms the payment, we manually credit your APIYI console balance, which is immediately usable for API calls.

4. Issue invoice / Invoice

   We can issue a Chinese VAT invoice (Chinese entity) or a US Invoice (US entity) — pick whichever fits your local accounting and reimbursement workflow.

Legal entity note: APIYI operates as a Chinese company + US company dual-entity structure. We can flex invoicing based on customer location and finance needs. Contact support for the exact billing name and tax ID.

🧾 Invoice Issuance

Invoice type	Issuing entity	Best for
Chinese VAT invoice (普通 / 专用)	Chinese company	Domestic CN enterprise reimbursement
US Invoice (PDF)	US company	Overseas businesses / cross-border trade / FX-controlled markets

Invoice tip: Let support know your invoice needs at the time of payment (or earlier) — share the billing name / tax ID / email so we can issue everything in one go. Late requests may require cross-period processing.

Recharge Promotions

Different channels and amounts stack with our first-recharge bonus / tiered top-up promotions for an effective discount of up to ~80%.

📖 See: Recharge Promotions

FAQ

My Stripe payment / credit card was rejected — what now?

Stripe’s risk controls are strict. Possible causes:

• You used a CNY-denominated card (Stripe doesn’t accept CNY cards on this channel)
• The card is not real-name or not in your / your company’s / your school’s name
• 3D Secure verification failed
• The card or account is flagged by upstream risk control

Switch to another channel (Alipay International / Wise / Mercury Bank) or use a compliant real-name foreign credit card. Do not retry with someone else’s card or test cards — repeated attempts will trigger account-level risk control.

How long does a corporate wire take to clear?

Typically same business day for manual crediting (subject to bank clearing — some cross-border SWIFT wires can take T+1 to T+3). Send proof to support proactively after the transfer to speed up crediting.

Which network should I use for USDT?

TRC20 (TRON) is recommended — low fees, fast arrival. Solana and other mainstream chains are also supported. Always get the latest receiving address from support or the in-site recharge page — never trust third-party sources.

Can you issue a Chinese VAT special invoice (专用发票)?

Yes. Our Chinese entity supports both general VAT invoices (普通发票) and special VAT invoices (专用发票). Send support your company name, tax ID, bank name + account, and registered address / phone when paying.

Russian / Central Asia customers without credit card or Alipay?

Use the corporate wire workflow: sign a contract with our Chinese legal entity, wire funds in CNY / USD / RUB via SWIFT (or a local trading partner) to our corporate account, and once received we’ll manually credit your APIYI console balance and issue a Chinese VAT invoice or US Invoice. Reach out to support for the full process.

Do you support other crypto? BTC / ETH?

By default we support USDT (TRC20 / Solana). For USDC, BTC, ETH, or other tokens, please reach out to support for a case-by-case review.

Minimum / maximum recharge amount?

No universal hard limit across channels, but PayPal / Stripe have upstream per-transaction risk thresholds. For large amounts (≥ ¥10,000 / $1,500) we recommend going through corporate wire or Mercury Bank — fewer fees and easier invoicing.

Contact Support / Get Receiving Accounts

Enterprise WeChat (Recommended)

Scan or click to chat — get receiving accounts for all manual recharge channels.

Official Email

[e-mail]

For formal business comms, invoice requests, large corporate-wire contracts, and partnership inquiries.

Funds-safety reminder: All corporate accounts, USDT addresses, and PayPal / Wise / Mercury Bank receiving accounts are only obtained through official support channels. Do not trust any third-party “support” or address — verify in-channel to avoid losing funds.

Related Documents

Recharge Promotions

First-recharge bonus, tiered rebates, education discount

Why is my balance not working?

Balance troubleshooting and billing model notes

Referral Rebate 5% Policy

Continuous 5% credit rebate and reward transfer workflow

Refund Policy

Balance refund rules and application workflow