{
  "$schema": "./payment_providers.schema.json",
  "version": "0.2.0-public",
  "updated_at": "2026-08-16",
  "providers": [
    {
      "id": "provider-stripe",
      "name": "Stripe",
      "aliases": [],
      "website_url": "https://stripe.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "全球46国/135+币种",
      "services": [
        "支付网关",
        "收单",
        "订阅计费",
        "反欺诈"
      ],
      "introduction": "全球头部收单，开发者友好，估值最高支付公司之一",
      "fee_note": "美国本地卡约2.9%+$0.30/笔；国际卡+1.5%+$0.30；货币转换+1%",
      "settlement_note": "T+2(标准payout)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://stripe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(中国大陆商户需注册香港/新加坡等境外主体)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-adyen",
      "name": "Adyen",
      "aliases": [],
      "website_url": "https://www.adyen.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "近100国/180+币种",
      "services": [
        "全渠道收单",
        "本地支付",
        "风控"
      ],
      "introduction": "上市企业级收单，服务全球大型品牌",
      "fee_note": "Interchange++模式:处理费约€0.11+银行间交换费+方案费+加价约0.6%(大商户可谈至0.30%-0.45%)",
      "settlement_note": "可灵活选择币种与账期(通常T+2至T+4)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.adyen.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "高"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(需境外主体,无中国大陆直接收单)",
        "access_threshold": "高",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-checkout-com",
      "name": "Checkout.com",
      "aliases": [],
      "website_url": "https://www.checkout.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "卡收单",
        "本地支付",
        "支付编排"
      ],
      "introduction": "API优先的英国估值独角兽收单机构",
      "fee_note": "按交易量定制,公开约2.9%+$0.30(卡收单基准)",
      "settlement_note": "T+2至T+4",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.checkout.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(需境外主体)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-paypal",
      "name": "PayPal",
      "aliases": [],
      "website_url": "https://www.paypal.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "200+国家/25币种",
      "services": [
        "在线钱包",
        "收单",
        "P2P"
      ],
      "introduction": "全球认知度最高的第三方支付与钱包",
      "fee_note": "美国商业交易3.49%+$0.30/笔；跨境+1.5%~1.99%；各国不同",
      "settlement_note": "T+2至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.paypal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(中国大陆个人/商户受限,仅跨境收款特定通道)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-worldpay",
      "name": "Worldpay",
      "aliases": [],
      "website_url": "https://www.worldpay.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "146国/135币种",
      "services": [
        "商户收单",
        "网关",
        "风控"
      ],
      "introduction": "FIS旗下全球最大收单机构之一",
      "fee_note": "按行业定制,官网未公开具体费率(卡收单约2.75%-3.5%)",
      "settlement_note": "T+2至T+3(多币种不同账期)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.worldpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(需境外主体)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-authorize-net",
      "name": "Authorize.net",
      "aliases": [],
      "website_url": "https://www.authorize.net",
      "category": "payment gateway",
      "region": "North America",
      "coverage": "United States, Canada",
      "services": [
        "credit card",
        "debit card",
        "eCheck",
        "Apple Pay",
        "Google Pay",
        "PayPal Express",
        "recurring billing",
        "virtual terminal"
      ],
      "introduction": "Authorize.net 是面向中小商户的支付网关，支持全套网关、虚拟终端、数字钱包、eCheck、订阅计费和风控。",
      "fee_note": "官网公开 All-in-one 25 USD/月 + 2.9% + 0.30 USD；Gateway only 25 USD/月 + 0.10 USD/笔 + 0.10 USD 日批次费；eCheck 0.75%。",
      "settlement_note": "开发者文档说明 Authorize.net 通常 24 小时内提交结算，资金入账由 MSP 决定，行业平均 3-5 个工作日。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://support.authorize.net/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "North America",
        "SMB",
        "gateway",
        "global",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(主要北美)",
        "access_threshold": "低",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-square-block",
      "name": "Square (Block)",
      "aliases": [
        "Square"
      ],
      "website_url": "https://squareup.com",
      "category": "merchant acquiring, POS, online payments",
      "region": "North America",
      "coverage": "United States, Canada",
      "services": [
        "card present",
        "online card",
        "API payments",
        "ACH",
        "invoice",
        "Afterpay",
        "cash",
        "check",
        "bitcoin"
      ],
      "introduction": "Square Payments 为商户提供线下、线上、API、发票、ACH、Afterpay 和硬件一体化收款能力。",
      "fee_note": "美国官网公开多项费率：刷/插/碰 2.6% + 15¢，Online API 2.9% + 30¢，ACH API 1% 且 1 USD 最低、5 USD 封顶。",
      "settlement_note": "结算到账需按 Square 账户和地区规则；本次核验页主要公开费用，到账页待补。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://squareup.com/us/en/payments/our-fees",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "ACH",
        "North America",
        "POS",
        "三方支付/收单",
        "低",
        "全球(美/英/澳等)"
      ],
      "ext": {
        "merchant_entity_requirement": "否(主要美/英/澳/加)",
        "access_threshold": "低",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-nuvei",
      "name": "Nuvei",
      "aliases": [],
      "website_url": "https://www.nuvei.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "200+国/150+币种",
      "services": [
        "收单",
        "本地支付",
        "发卡"
      ],
      "introduction": "加拿大上市收单与API支付平台",
      "fee_note": "按交易量定制,未公开(卡收单约2.5%-3.5%)",
      "settlement_note": "T+2至T+7(多币种不同账期)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.nuvei.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(需境外主体)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-mollie",
      "name": "Mollie",
      "aliases": [],
      "website_url": "https://www.mollie.com",
      "category": "三方支付/收单",
      "region": "Europe",
      "coverage": "欧洲多国",
      "services": [
        "支付网关",
        "收单"
      ],
      "introduction": "欧洲中小商户友好的API支付服务商",
      "fee_note": "卡收单1.8%+$0.25/笔(欧洲)；iDEAL免费；PayPal 1.5%+固定",
      "settlement_note": "T+1(工作日)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.mollie.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "europe",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(主要欧洲)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-sumup",
      "name": "SumUp",
      "aliases": [],
      "website_url": "https://www.sumup.com",
      "category": "三方支付/收单",
      "region": "欧洲/全球",
      "coverage": "30+国",
      "services": [
        "移动POS",
        "收单",
        "商家账户"
      ],
      "introduction": "欧洲移动POS与收单服务商",
      "fee_note": "刷卡2.75%(无月费)；3G刷卡2.95%；虚拟终端2.95%+$0.15",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.sumup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "欧洲/全球",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(主要欧洲)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-payu",
      "name": "PayU",
      "aliases": [],
      "website_url": "https://www.payu.com",
      "category": "三方支付/收单",
      "region": "高增长市场",
      "coverage": "30+国",
      "services": [
        "本地收单",
        "钱包",
        "Payout"
      ],
      "introduction": "Prosus旗下新兴市场的本地收单平台",
      "fee_note": "按国别不同,约2%-5%(如印度约2%)；未统一公开",
      "settlement_note": "T+2至T+7(多国不同)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.payu.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "高增长市场",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(新兴市场本地收单,需境外主体)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-gocardless",
      "name": "GoCardless",
      "aliases": [],
      "website_url": "https://www.gocardless.com",
      "category": "三方支付/收单",
      "region": "欧洲/全球",
      "coverage": "30+国",
      "services": [
        "直接借记(ACSS",
        "SEPA等)"
      ],
      "introduction": "专注银行直接借记的收款机构",
      "fee_note": "标准1%+£/€0.20每笔(封顶£/€4)；Pro 2%+£/€0.30；Plus定制",
      "settlement_note": "T+3至T+5(随计划)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.gocardless.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "欧洲/全球",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(银行借记主要欧美)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-paddle",
      "name": "Paddle",
      "aliases": [],
      "website_url": "https://www.paddle.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "Merchant of Record",
        "订阅计费"
      ],
      "introduction": "MoR模式代商户处理税务与结算",
      "fee_note": "MoR统一费率约5%+0.50/笔(含全球税务处理)",
      "settlement_note": "月结/双周结(按MoR协议)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.paddle.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(可服务出海SaaS,需合规)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-klarna",
      "name": "Klarna",
      "aliases": [],
      "website_url": "https://www.klarna.com",
      "category": "三方支付/收单",
      "region": "欧洲/美/澳",
      "coverage": "数十国",
      "services": [
        "BNPL",
        "本地支付",
        "收单"
      ],
      "introduction": "欧洲BNPL与购物车支付巨头",
      "fee_note": "按国别,约2.99%+$0.30起(商户侧)+分期手续费",
      "settlement_note": "T+2至T+4",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.klarna.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "欧洲/美/澳",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(欧洲/美/澳)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-afterpay",
      "name": "Afterpay",
      "aliases": [],
      "website_url": "https://www.afterpay.com",
      "category": "三方支付/收单",
      "region": "澳/英/美",
      "coverage": "多国",
      "services": [
        "BNPL先买后付"
      ],
      "introduction": "Block旗下BNPL先买后付服务商",
      "fee_note": "商户约4%-6%+固定费(由商户承担,消费者免息)",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.afterpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "澳/英/美",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(澳/英/美)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-affirm",
      "name": "Affirm",
      "aliases": [],
      "website_url": "https://www.affirm.com",
      "category": "三方支付/收单",
      "region": "美国/加拿大",
      "coverage": "北美",
      "services": [
        "BNPL分期付款"
      ],
      "introduction": "美国上市BNPL分期支付机构",
      "fee_note": "商户约2%-6%(含固定费,按风险定)",
      "settlement_note": "T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.affirm.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "美国/加拿大",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(北美)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-trustly",
      "name": "Trustly",
      "aliases": [],
      "website_url": "https://www.trustly.com",
      "category": "三方支付/收单",
      "region": "欧洲/全球",
      "coverage": "多国",
      "services": [
        "银行直连转账Pay N Play"
      ],
      "introduction": "欧洲银行直连支付与开放银行",
      "fee_note": "按商户定制,未公开(银行直连通常较低)",
      "settlement_note": "T+1(即时到账)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.trustly.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "欧洲/全球",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(欧洲为主)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-paysafe",
      "name": "Paysafe",
      "aliases": [],
      "website_url": "https://www.paysafe.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "Skrill",
        "Neteller钱包",
        "收单",
        "卡"
      ],
      "introduction": "整合Skrill/Neteller的上市支付集团",
      "fee_note": "按产品不同,卡收单约2.9%+$0.30(未统一公开)",
      "settlement_note": "T+2至T+4",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.paysafe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(需境外主体)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-bluesnap",
      "name": "BlueSnap",
      "aliases": [],
      "website_url": "https://www.bluesnap.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "收单",
        "市场支付",
        "订阅"
      ],
      "introduction": "美国收单与全球支付编排平台",
      "fee_note": "约2.9%+$0.30/笔(卡)；市场支付按量定制",
      "settlement_note": "T+2至T+7",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.bluesnap.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(需境外主体)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-rapyd",
      "name": "Rapyd",
      "aliases": [],
      "website_url": "https://www.rapyd.net",
      "category": "global payment network, payouts, wallets",
      "region": "Asia Pacific, Global",
      "coverage": "Australia, Hong Kong, India, Indonesia, Japan, Malaysia, New Zealand, Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam",
      "services": [
        "Cards",
        "Apple Pay",
        "Google Pay",
        "Bank transfers",
        "E-wallets",
        "Cash payments",
        "Stablecoins",
        "Payouts",
        "Virtual accounts"
      ],
      "introduction": "Rapyd 是全球支付网络和金融科技基础设施平台，提供收款、付款、钱包、虚拟账户和发卡能力。",
      "fee_note": "官网 legal 页面提供部分地区 pricing 文件入口，但未在公开网络页统一列明全球标准费率；通常为定制或合同价。",
      "settlement_note": "官方文档列出支持币种和结算说明：部分地区通常在交易完成后 7 天内结算，结算币种依商户协议和结算国家。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.rapyd.net/contact/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "APAC",
        "Global",
        "global",
        "payouts",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(聚合全球本地支付,可服务出海)",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-worldline",
      "name": "Worldline",
      "aliases": [],
      "website_url": "https://www.worldline.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "收单",
        "终端",
        "网关"
      ],
      "introduction": "欧洲上市收单与支付处理巨头",
      "fee_note": "按行业/国别定制,未公开(卡收单约2.5%-3.5%)",
      "settlement_note": "T+2至T+3(多币种不同账期)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.worldline.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(需境外主体)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-fiserv",
      "name": "Fiserv",
      "aliases": [],
      "website_url": "https://www.fiserv.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "收单",
        "Clover POS",
        "银行科技"
      ],
      "introduction": "美国银行科技与收单巨头(原First Data)",
      "fee_note": "按商户定制,未公开(线下约1.5%-3%)",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.fiserv.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(主要北美)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-global-payments",
      "name": "Global Payments",
      "aliases": [],
      "website_url": "https://www.globalpayments.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "收单",
        "ISS",
        "POS"
      ],
      "introduction": "美国上市收单与商户服务集团",
      "fee_note": "按行业定制,未公开(卡收单约2.5%-3.5%)",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.globalpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(主要北美/欧洲)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-cybersource",
      "name": "CyberSource",
      "aliases": [],
      "website_url": "https://www.cybersource.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "支付网关",
        "风控",
        "反欺诈"
      ],
      "introduction": "Visa旗下企业级支付网关与风控",
      "fee_note": "网关按量定制,未公开(需经收单行)",
      "settlement_note": "依收单行",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.cybersource.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "高"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(Visa系,需境外主体)",
        "access_threshold": "高",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-revolut",
      "name": "Revolut",
      "aliases": [],
      "website_url": "https://www.revolut.com",
      "category": "三方支付/收单",
      "region": "欧洲/全球",
      "coverage": "多国",
      "services": [
        "多币种账户",
        "卡",
        "商户收单"
      ],
      "introduction": "英国新银行，含商户收单与B2B支付",
      "fee_note": "商户收单按量定制,未公开",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.revolut.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "欧洲/全球",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(主要欧洲/英国)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-amazon-pay",
      "name": "Amazon Pay",
      "aliases": [],
      "website_url": "https://pay.amazon.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "多国",
      "services": [
        "亚马逊钱包结账",
        "收单"
      ],
      "introduction": "基于亚马逊账户的结账与支付",
      "fee_note": "美国国内约2.9%+$0.30；跨境约3.9%(按国别)",
      "settlement_note": "T+2至T+5(随市场)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://pay.amazon.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(中国大陆不支持Amazon Pay结账)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-apple-pay",
      "name": "Apple Pay",
      "aliases": [],
      "website_url": "https://www.apple.com/apple-pay/",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "数十国",
      "services": [
        "NFC钱包",
        "应用内",
        "网页支付"
      ],
      "introduction": "苹果设备钱包与Tap-to-pay",
      "fee_note": "本身免额外费,按底层卡组织费率计(商户侧等同刷卡)",
      "settlement_note": "依收单机构",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.apple.com/apple-pay/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(中国大陆通过银联绑卡,商户侧仅境外可用)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-google-pay",
      "name": "Google Pay",
      "aliases": [],
      "website_url": "https://pay.google.com",
      "category": "三方支付/收单",
      "region": "Global",
      "coverage": "多国",
      "services": [
        "钱包",
        "NFC",
        "P2P"
      ],
      "introduction": "谷歌钱包与线上线下支付",
      "fee_note": "免额外费,按底层卡/钱包费率(商户侧等同卡)",
      "settlement_note": "依收单机构",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://pay.google.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(中国大陆不可用,仅境外)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-wise",
      "name": "Wise",
      "aliases": [],
      "website_url": "https://www.wise.com",
      "category": "其他",
      "region": "Global",
      "coverage": "多国/多币种",
      "services": [
        "跨境汇款",
        "多币种账户"
      ],
      "introduction": "低成本跨境汇款与多币种账户(原TransferWise)",
      "fee_note": "换汇从0.23%起(随币种)；收款USD电汇固定$6.11",
      "settlement_note": "实时/数小时(账户内)；电汇1-3天",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.wise.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "其他",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(不面向中国大陆商户收单)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-pingpong",
      "name": "PingPong",
      "aliases": [],
      "website_url": "https://www.pingpongx.com",
      "category": "跨境收款(三方)",
      "region": "全球(中国出海)",
      "coverage": "200+国家/50+币种",
      "services": [
        "跨境电商收款",
        "收单",
        "结汇"
      ],
      "introduction": "中国出海跨境收款头部，持多国牌照",
      "fee_note": "提现手续费约1%(人民币提现约0.4%)",
      "settlement_note": "提现1-3工作日(最快2小时到账)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.pingpongx.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "全球(中国出海)",
        "跨境收款(三方)",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-lianlian-pay",
      "name": "LianLian Pay",
      "aliases": [
        "连连支付"
      ],
      "website_url": "https://www.lianlianpay.com",
      "category": "跨境收款(三方)",
      "region": "全球(中国出海)",
      "coverage": "全球/18币种",
      "services": [
        "跨境收款",
        "收单",
        "结汇"
      ],
      "introduction": "持60+全球牌照的跨境支付平台",
      "fee_note": "跨境收款约0.3%-1%(按通道)；未统一公开",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.lianlianpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "全球(中国出海)",
        "跨境收款(三方)",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-airwallex",
      "name": "Airwallex",
      "aliases": [
        "空中云汇"
      ],
      "website_url": "https://www.airwallex.com",
      "category": "跨境收款(三方)",
      "region": "Global",
      "coverage": "180+国家/70+本地账户",
      "services": [
        "收单",
        "收款",
        "付款",
        "企业卡"
      ],
      "introduction": "持牌全链路跨境支付与财资平台",
      "fee_note": "本地卡2.80%+$0.30；国际卡4.30%+$0.30；FX加价0.5%-1%",
      "settlement_note": "like-for-like 20+币种,当日/数小时",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.airwallex.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是(持境外牌照服务出海)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-worldfirst",
      "name": "WorldFirst",
      "aliases": [
        "万里汇"
      ],
      "website_url": "https://www.worldfirst.com.cn",
      "category": "跨境收款(三方)",
      "region": "Global",
      "coverage": "210+国家/40+币种",
      "services": [
        "外贸收款",
        "结汇",
        "B2B"
      ],
      "introduction": "蚂蚁集团旗下跨境收付兑平台",
      "fee_note": "提现/收款费率约0.3%-1%(WT退款0)；未统一公开",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.worldfirst.com.cn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "跨境收款(三方)",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是(蚂蚁旗下,服务外贸)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-xtransfer",
      "name": "XTransfer",
      "aliases": [],
      "website_url": "https://www.xtransfer.cn",
      "category": "跨境收款(三方)",
      "region": "Global",
      "coverage": "全球200国",
      "services": [
        "B2B外贸收款",
        "结汇"
      ],
      "introduction": "专注中小微外贸B2B跨境收款",
      "fee_note": "按收款通道,约0.4%-1%；未统一公开",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.xtransfer.cn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "跨境收款(三方)",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-sunrate",
      "name": "SUNRATE",
      "aliases": [
        "寻汇"
      ],
      "website_url": "https://www.sunrate.com",
      "category": "跨境收款(三方)",
      "region": "全球(新加坡总部)",
      "coverage": "190+国家/130+币种",
      "services": [
        "全球支付",
        "收单",
        "财资管理"
      ],
      "introduction": "持Mastercard/Visa主会员资质的B2B支付",
      "fee_note": "按量定制,未公开(FX加价0.3%-1%)",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.sunrate.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "全球(新加坡总部)",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是(持境外牌照服务出海)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-coralglobal",
      "name": "Coralglobal",
      "aliases": [
        "珊瑚跨境"
      ],
      "website_url": "https://www.coralglobal.cn",
      "category": "跨境收款(三方)",
      "region": "Global",
      "coverage": "100+国家",
      "services": [
        "出口结算",
        "外贸收款",
        "全球收单"
      ],
      "introduction": "杭州跨境综合服务，覆盖全链条收付",
      "fee_note": "按通道约0.3%-1%；未统一公开",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.coralglobal.cn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "跨境收款(三方)",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-oceanpayment",
      "name": "Oceanpayment",
      "aliases": [
        "钱海"
      ],
      "website_url": "https://www.oceanpayment.com.cn",
      "category": "跨境收款(三方)",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "国际信用卡收单",
        "本地收款"
      ],
      "introduction": "中国跨境收单技术服务提供商",
      "fee_note": "国际卡收单约2.9%+$0.30(按行业定制)",
      "settlement_note": "T+2至T+7",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.oceanpayment.com.cn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是(中国跨境收单服务商)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-yeepay",
      "name": "YeePay",
      "aliases": [
        "易宝支付"
      ],
      "website_url": "https://www.yeepay.com",
      "category": "跨境收款(三方)",
      "region": "中国/跨境",
      "coverage": "中国及跨境",
      "services": [
        "行业支付",
        "跨境收结汇"
      ],
      "introduction": "老牌第三方支付，航空与跨境行业方案",
      "fee_note": "按行业定制,官网未公开(约0.6%-1%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.yeepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "中国/跨境",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-baofu",
      "name": "Baofu",
      "aliases": [
        "宝付"
      ],
      "website_url": "https://www.baofu.com",
      "category": "三方支付/收单",
      "region": "China",
      "coverage": "中国",
      "services": [
        "互联网支付",
        "代收付"
      ],
      "introduction": "上海持牌第三方支付，聚焦企业支付",
      "fee_note": "按行业定制,官网未公开(约0.5%-1%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.baofu.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-lakala",
      "name": "Lakala",
      "aliases": [
        "拉卡拉"
      ],
      "website_url": "https://www.lakala.com",
      "category": "混合(收单+聚合)",
      "region": "China",
      "coverage": "全国",
      "services": [
        "银行卡收单",
        "聚合码",
        "POS"
      ],
      "introduction": "A股上市，收单+聚合双布局",
      "fee_note": "标准POS约0.6%(借记);聚合码约0.38%(按监管标准)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.lakala.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "混合(收单+聚合)",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-chinapnr",
      "name": "ChinaPnR",
      "aliases": [
        "汇付天下"
      ],
      "website_url": "https://www.chinapnr.com",
      "category": "混合(收单+聚合)",
      "region": "China",
      "coverage": "全国",
      "services": [
        "收单",
        "聚合支付",
        "账户"
      ],
      "introduction": "老牌持牌机构，收单与聚合并重",
      "fee_note": "按行业定制,官网未公开(约0.38%-1%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.chinapnr.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "混合(收单+聚合)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-fuiou",
      "name": "Fuiou",
      "aliases": [
        "富友支付"
      ],
      "website_url": "https://www.fuiou.com",
      "category": "混合(收单+聚合)",
      "region": "China",
      "coverage": "全国",
      "services": [
        "收单",
        "聚合",
        "POS"
      ],
      "introduction": "持牌收单，线下聚合覆盖广",
      "fee_note": "按行业定制,官网未公开(约0.38%-0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.fuiou.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "混合(收单+聚合)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-vbill",
      "name": "VBill",
      "aliases": [
        "随行付"
      ],
      "website_url": "https://www.vbill.cn",
      "category": "混合(收单+聚合)",
      "region": "China",
      "coverage": "全国",
      "services": [
        "收单",
        "聚合支付",
        "跨境"
      ],
      "introduction": "线下场景智慧支付平台，覆盖小微商户",
      "fee_note": "按行业定制,官网未公开(约0.38%-0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.vbill.cn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "混合(收单+聚合)",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-allinpay",
      "name": "Allinpay",
      "aliases": [
        "通联支付"
      ],
      "website_url": "https://www.allinpay.com",
      "category": "混合(收单+聚合)",
      "region": "China",
      "coverage": "全国",
      "services": [
        "收单",
        "聚合",
        "银行合作"
      ],
      "introduction": "老牌第三方支付，综合支付解决方案",
      "fee_note": "按行业定制,官网未公开(约0.38%-1%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.allinpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "混合(收单+聚合)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-yinsheng-pay",
      "name": "Yinsheng Pay",
      "aliases": [
        "银盛支付"
      ],
      "website_url": "https://www.ysepay.com",
      "category": "三方支付/收单",
      "region": "China",
      "coverage": "全国",
      "services": [
        "银行卡收单",
        "聚合",
        "数字人民币"
      ],
      "introduction": "银盛旗下收单机构，行业覆盖广",
      "fee_note": "按行业定制,官网未公开(约0.38%-0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.ysepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-jlpay",
      "name": "JLPay",
      "aliases": [
        "嘉联支付"
      ],
      "website_url": "https://www.jlpay.com",
      "category": "三方支付/收单",
      "region": "China",
      "coverage": "全国337城",
      "services": [
        "商户收单",
        "POS",
        "增值金融"
      ],
      "introduction": "新国都旗下，收单覆盖百万商户",
      "fee_note": "按行业定制,官网未公开(约0.38%-0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.jlpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-easypay",
      "name": "Easypay",
      "aliases": [
        "易生支付"
      ],
      "website_url": "https://www.bhecard.com",
      "category": "三方支付/收单",
      "region": "China",
      "coverage": "全国",
      "services": [
        "互联网支付",
        "预付卡",
        "行业方案"
      ],
      "introduction": "海航系持牌第三方支付机构",
      "fee_note": "按行业定制,官网未公开(约0.38%-0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.bhecard.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-99bill",
      "name": "99Bill",
      "aliases": [
        "快钱"
      ],
      "website_url": "https://www.99bill.com",
      "category": "三方支付/收单",
      "region": "China",
      "coverage": "全国",
      "services": [
        "收单",
        "网关",
        "企业支付"
      ],
      "introduction": "老牌第三方支付，现属万达体系",
      "fee_note": "按行业定制,官网未公开(约0.38%-1%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.99bill.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-sandpay",
      "name": "Sandpay",
      "aliases": [
        "杉德支付"
      ],
      "website_url": "https://www.sandpay.com.cn",
      "category": "三方支付/收单",
      "region": "China",
      "coverage": "全国",
      "services": [
        "收单",
        "预付卡",
        "聚合"
      ],
      "introduction": "上海持牌支付，线下收单为主",
      "fee_note": "按行业定制,官网未公开(约0.38%-0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.sandpay.com.cn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-starpay",
      "name": "StarPay",
      "aliases": [
        "国通星驿"
      ],
      "website_url": "https://www.postar.cn",
      "category": "三方支付/收单",
      "region": "China",
      "coverage": "全国",
      "services": [
        "收单",
        "POS",
        "商户服务"
      ],
      "introduction": "新大陆旗下收单机构，星驿付品牌",
      "fee_note": "按行业定制,官网未公开(约0.38%-0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.postar.cn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-yeahka",
      "name": "Yeahka",
      "aliases": [
        "海科融通"
      ],
      "website_url": "https://www.yeahka.com",
      "category": "混合(收单+聚合)",
      "region": "China",
      "coverage": "全国",
      "services": [
        "收单",
        "聚合(好哒)",
        "POS"
      ],
      "introduction": "翠微股份旗下，聚合与收单并重",
      "fee_note": "按行业定制,官网未公开(约0.38%-0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.yeahka.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "混合(收单+聚合)",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-helipay",
      "name": "Helipay",
      "aliases": [
        "合利宝"
      ],
      "website_url": "https://www.helipay.com",
      "category": "混合(收单+聚合)",
      "region": "China",
      "coverage": "全国",
      "services": [
        "收单",
        "聚合",
        "跨境"
      ],
      "introduction": "仁东旗下持牌收单与聚合",
      "fee_note": "按行业定制,官网未公开(约0.38%-0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.helipay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "混合(收单+聚合)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-leshua",
      "name": "Leshua",
      "aliases": [
        "乐刷"
      ],
      "website_url": "https://www.leshua.com",
      "category": "混合(收单+聚合)",
      "region": "China",
      "coverage": "中国",
      "services": [
        "收单",
        "聚合支付"
      ],
      "introduction": "腾讯早期投资的线下收单与聚合机构",
      "fee_note": "公开费率：按行业定制,官网未公开(约0.38%–0.6%)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.leshua.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "中国",
        "低",
        "收单",
        "混合(收单+聚合)",
        "聚合支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-shouqianba",
      "name": "Shouqianba",
      "aliases": [
        "收钱吧"
      ],
      "website_url": "https://www.shouqianba.com",
      "category": "四方支付/聚合",
      "region": "China",
      "coverage": "全国",
      "services": [
        "聚合支付",
        "收银SDK",
        "商户服务"
      ],
      "introduction": "线下聚合支付头部，一个码接多通道",
      "fee_note": "聚合通道约0.38%起(按通道/行业)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.shouqianba.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "四方支付/聚合",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-qfpay",
      "name": "QFPay",
      "aliases": [
        "钱方好近"
      ],
      "website_url": "https://www.qfpay.com",
      "category": "四方支付/聚合",
      "region": "中国/海外",
      "coverage": "中国及东南亚、日本等",
      "services": [
        "聚合支付",
        "SaaS",
        "商户营销"
      ],
      "introduction": "聚合支付及店铺营销，海外多国落地",
      "fee_note": "按通道约0.38%-0.6%(中国)；海外按本地定制",
      "settlement_note": "T+1(中国)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.qfpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "中国/海外",
        "四方支付/聚合",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-dlocal",
      "name": "dLocal",
      "aliases": [],
      "website_url": "https://www.dlocal.com",
      "category": "三方支付/收单",
      "region": "拉美/非洲/亚洲",
      "coverage": "40+新兴市场",
      "services": [
        "本地收单",
        "跨境支付"
      ],
      "introduction": "专注新兴市场的本地收单上市公司",
      "fee_note": "综合约2.7%-7%；分层小商户3.5%-4%、中大商户2.3%-3.5%",
      "settlement_note": "T+1至T+2(处理1-2工作日)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.dlocal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "拉美/非洲/亚洲",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海企业收新兴市场款)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-flutterwave",
      "name": "Flutterwave",
      "aliases": [],
      "website_url": "https://www.flutterwave.com",
      "category": "三方支付/收单",
      "region": "非洲/全球",
      "coverage": "非洲多国/全球",
      "services": [
        "收单",
        "移动货币",
        "Payout"
      ],
      "introduction": "非洲头部收单与支付基础设施",
      "fee_note": "尼日利亚本地2.0%(1.4%+0.6%平台费)；国际4.8%；加纳2.6%；肯尼亚3.2%；南非2.9%+ZAR1",
      "settlement_note": "本地支付次日到账(T+1)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.flutterwave.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "非洲/全球",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海非洲)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-paystack",
      "name": "Paystack",
      "aliases": [],
      "website_url": "https://www.paystack.com",
      "category": "三方支付/收单",
      "region": "非洲(尼日利亚等)",
      "coverage": "非洲多国",
      "services": [
        "在线收单",
        "POS",
        "跨境"
      ],
      "introduction": "Stripe收购的西非收单平台",
      "fee_note": "尼日利亚本地1.5%+NGN100,国际3.9%+NGN100；加纳1.95%；肯尼亚本地卡2.9%、M-Pesa 1.5%、国际3.8%；南非2.9%+R1",
      "settlement_note": "T+1(尼日利亚/加纳),T+2(肯尼亚/南非)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.paystack.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "非洲(尼日利亚等)",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海非洲)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-ebanx",
      "name": "EBANX",
      "aliases": [],
      "website_url": "https://www.ebanx.com",
      "category": "三方支付/收单",
      "region": "拉美/非洲/印度",
      "coverage": "29国",
      "services": [
        "本地收单",
        "跨境",
        "Payout"
      ],
      "introduction": "巴西起家的拉美跨境本地支付",
      "fee_note": "按国别约2%-6%(拉美本地收单)；未统一公开",
      "settlement_note": "T+2至T+14(按国别)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.ebanx.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "拉美/非洲/印度",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海拉美)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-pagsmile",
      "name": "Pagsmile",
      "aliases": [],
      "website_url": "https://www.pagsmile.com",
      "category": "三方支付/收单",
      "region": "拉美/中国出海",
      "coverage": "拉美多国",
      "services": [
        "本地收单",
        "跨境收款"
      ],
      "introduction": "面向中国出海的拉美本地收单",
      "fee_note": "按国别约2%-5%；未统一公开",
      "settlement_note": "T+2至T+7",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.pagsmile.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "拉美/中国出海",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是(面向中国出海拉美)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-mercado-pago",
      "name": "Mercado Pago",
      "aliases": [],
      "website_url": "https://www.mercadopago.com",
      "category": "Latin America PSP, wallet, checkout",
      "region": "Latin America",
      "coverage": "Argentina, Brazil, Chile, Colombia, Mexico, Peru, Uruguay",
      "services": [
        "credit card",
        "debit card",
        "bank transfer",
        "cash ticket",
        "wallet",
        "QR",
        "subscription"
      ],
      "introduction": "Mercado Pago 是拉美大型本地支付平台，面向线上与线下商户提供 Checkout、API、支付链接、订阅、二维码和 POS 等收款能力。",
      "fee_note": "官网开发者文档说明费率按收款周期和免息分期配置自动适用；具体费率需进入各国家费率页或商户账户查看。",
      "settlement_note": "官网报告字段公开 settlement_date、settlement_currency、fee_amount 等结算和对账字段；具体到账周期按国家和产品而异。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.mercadopago.com.mx/developers/es/docs",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Latin America",
        "checkout",
        "latin america",
        "wallet",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(拉美本地,需本地主体)",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-pagseguro",
      "name": "PagSeguro",
      "aliases": [],
      "website_url": "https://international.pagseguro.com",
      "category": "Latin America PSP, payouts",
      "region": "Latin America, North America, Central America",
      "coverage": "Mexico, United States, Puerto Rico, Costa Rica, El Salvador, Guatemala, Nicaragua, Panama, Dominican Republic, Argentina, Bolivia, Brazil, Chile, Colombia, Ecuador, Paraguay, Peru, Uruguay",
      "services": [
        "credit card",
        "debit card",
        "Pix",
        "Boleto",
        "OXXO",
        "PSE",
        "Yape",
        "wallet",
        "bank transfer",
        "payout"
      ],
      "introduction": "PagSeguro International 面向跨境商户提供拉美本地支付处理、收款、国际结算和 Payout API。",
      "fee_note": "官网宣称 transparent rates，但未在国际站公开统一费率；巴西 PagBank 国内产品页公开部分线上费率。",
      "settlement_note": "国际站公开支持 USD/EUR/GBP 国际结算，可按月或按周结算；Payout API 支持巴西 Pix/PagBank/银行转账、哥伦比亚银行转账。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://international.pagseguro.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Latin America",
        "cross-border",
        "latin america",
        "payouts",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(巴西本地,需本地主体)",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-conekta",
      "name": "Conekta",
      "aliases": [],
      "website_url": "https://www.conekta.com",
      "category": "三方支付/收单",
      "region": "墨西哥/拉美",
      "coverage": "墨西哥等",
      "services": [
        "收单",
        "订阅",
        "本地支付"
      ],
      "introduction": "墨西哥本地收单与支付API",
      "fee_note": "墨西哥卡约3.6%+MXN3；OXXO/转账约2%；未统一公开",
      "settlement_note": "T+2至T+4",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.conekta.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "墨西哥/拉美",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海墨西哥)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-clip",
      "name": "Clip",
      "aliases": [],
      "website_url": "https://www.clip.mx",
      "category": "三方支付/收单",
      "region": "墨西哥",
      "coverage": "墨西哥",
      "services": [
        "QR收单",
        "POS",
        "商户"
      ],
      "introduction": "墨西哥领先QR与商户收单平台",
      "fee_note": "QR收单约2.75%-3.5%(按量)；未统一公开",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.clip.mx",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "墨西哥",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(墨西哥本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-niubiz",
      "name": "Niubiz",
      "aliases": [],
      "website_url": "https://www.niubiz.com.pe",
      "category": "三方支付/收单",
      "region": "秘鲁",
      "coverage": "秘鲁",
      "services": [
        "收单",
        "VisaNet处理"
      ],
      "introduction": "秘鲁VisaNet系收单处理机构",
      "fee_note": "按VisaNet处理,约2.5%-4%(未公开)",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.niubiz.com.pe",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "秘鲁",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(秘鲁本地)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-culqi",
      "name": "Culqi",
      "aliases": [],
      "website_url": "https://www.culqi.com",
      "category": "三方支付/收单",
      "region": "秘鲁/拉美",
      "coverage": "秘鲁等",
      "services": [
        "支付API",
        "收单"
      ],
      "introduction": "秘鲁开发者友好的支付API",
      "fee_note": "卡收单约2.9%+PEN0.30(按量定制)",
      "settlement_note": "T+2至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.culqi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "秘鲁/拉美",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(可服务出海秘鲁)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-uala",
      "name": "Ualá",
      "aliases": [],
      "website_url": "https://www.uala.com.ar",
      "category": "三方支付/收单",
      "region": "阿根廷",
      "coverage": "阿根廷",
      "services": [
        "钱包",
        "预付卡",
        "收单"
      ],
      "introduction": "阿根廷新银行与钱包，含商户收款",
      "fee_note": "钱包/收单按量定制,未公开",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.uala.com.ar",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "阿根廷",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(阿根廷本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-picpay",
      "name": "PicPay",
      "aliases": [],
      "website_url": "https://www.picpay.com",
      "category": "三方支付/收单",
      "region": "巴西",
      "coverage": "巴西",
      "services": [
        "钱包",
        "QR",
        "收单"
      ],
      "introduction": "巴西主流电子钱包与扫码支付",
      "fee_note": "QR/转账免费(消费者)；商户收单约1%-3%(未公开)",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.picpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "巴西",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(巴西本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-2c2p",
      "name": "2C2P",
      "aliases": [],
      "website_url": "https://2c2p.com",
      "category": "Asia Pacific PSP, payment gateway",
      "region": "Asia Pacific, Southeast Asia",
      "coverage": "Hong Kong, Indonesia, Malaysia, Philippines, Singapore, Thailand, Vietnam",
      "services": [
        "Cards",
        "Digital wallets",
        "BNPL",
        "Bank transfer",
        "OTC cash",
        "Multi-currency pricing",
        "SoftPOS"
      ],
      "introduction": "2C2P 是面向亚太商户的支付服务商，提供线上、线下、移动端、银行卡、本地钱包、BNPL、OTC 等支付受理能力。",
      "fee_note": "官网未找到统一公开费率，需联系销售或按签署方案确认。",
      "settlement_note": "支付方式页面列出部分卡组织支付周期 T+1 至 T+3；支持中心说明具体结算条款以签署 proposal 为准。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://2c2p.com/contact-us/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "PSP",
        "Southeast Asia",
        "gateway",
        "southeast asia",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(已并入蚂蚁Antom,服务出海)",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-xendit",
      "name": "Xendit",
      "aliases": [],
      "website_url": "https://www.xendit.co/",
      "category": "Southeast Asia PSP, payment gateway, payouts",
      "region": "Southeast Asia, Asia, Latin America",
      "coverage": "ID, PH, VN, TH, MY, SG, HK, MX",
      "services": [
        "cards",
        "virtual accounts",
        "QRIS",
        "PromptPay",
        "PayNow",
        "e-wallets",
        "online banking",
        "over-the-counter payments",
        "payouts"
      ],
      "introduction": "东南亚为主的支付基础设施，支持多市场本地收款、付款、虚拟账户、二维码、电子钱包、银行卡和跨境资金路由。",
      "fee_note": "官网公开按市场和支付方式计费，例如 QRIS 0.70%，ShopeePay 多市场约 2.50%，不同国家卡组织费率和固定处理费不同；应以价格页实时表格为准。",
      "settlement_note": "结算和税费按签约主体、国家和支付方式不同，官网价格页提示本地税费会在结算时扣除。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.xendit.co/en/pricing/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Mexico",
        "PSP",
        "Southeast Asia",
        "三方支付/收单",
        "东南亚(印尼等)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海东南亚)",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-midtrans",
      "name": "Midtrans",
      "aliases": [],
      "website_url": "https://www.midtrans.com",
      "category": "三方支付/收单",
      "region": "印尼",
      "coverage": "印尼",
      "services": [
        "线上收单",
        "欺诈检测"
      ],
      "introduction": "GoTo系印尼支付网关(被Gojek并购)",
      "fee_note": "卡约2.9%+固定；GoPay/银行约1.5%-2.5%；未统一公开",
      "settlement_note": "T+2至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.midtrans.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "印尼",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海印尼)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-razorpay",
      "name": "Razorpay",
      "aliases": [],
      "website_url": "https://razorpay.com",
      "category": "India payment gateway, fintech platform",
      "region": "South Asia",
      "coverage": "India",
      "services": [
        "Cards",
        "UPI",
        "Net banking",
        "Wallets",
        "EMI",
        "Cardless EMI",
        "Pay Later",
        "Bank transfer",
        "Payment links"
      ],
      "introduction": "Razorpay 是印度支付网关和金融科技平台，支持线上收款、支付链接、订阅、分账、退款和企业金融工具。",
      "fee_note": "官网公开支付网关 2% + GST 起；无设置费、AMC 或标准隐藏费用；高于 INR 5 lakh/月可谈企业价。",
      "settlement_note": "官网价格页说明通常 T+1 或 Instant；Instant/On-demand settlement 有额外费用。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://razorpay.com/support/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "India",
        "UPI",
        "gateway",
        "india",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度本地,需印度主体)",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-paytm",
      "name": "Paytm",
      "aliases": [],
      "website_url": "https://paytm.com",
      "category": "三方支付/收单",
      "region": "India",
      "coverage": "印度",
      "services": [
        "钱包",
        "收单",
        "UPI",
        "银行"
      ],
      "introduction": "印度最大移动支付，监管整改中",
      "fee_note": "UPI/钱包免费(消费者)；商户收单约0%-2%(按产品)",
      "settlement_note": "T+1(UPI即时)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://paytm.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "india",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度本地,需印度主体)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-phonepe",
      "name": "PhonePe",
      "aliases": [],
      "website_url": "https://www.phonepe.com",
      "category": "三方支付/收单",
      "region": "India",
      "coverage": "印度",
      "services": [
        "UPI",
        "钱包",
        "聚合收单"
      ],
      "introduction": "印度UPI头部钱包与支付聚合",
      "fee_note": "UPI免费；聚合收单费率按量定制,未公开",
      "settlement_note": "T+1(UPI即时)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.phonepe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "india",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度本地)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-cashfree",
      "name": "Cashfree",
      "aliases": [],
      "website_url": "https://www.cashfree.com",
      "category": "四方支付/聚合",
      "region": "India",
      "coverage": "印度",
      "services": [
        "支付聚合",
        "Payout",
        "网关"
      ],
      "introduction": "持牌Payment Aggregator，120万+商户",
      "fee_note": "印度国内2%+GST；国际约3.5%+；Payout按笔固定",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.cashfree.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "india",
        "四方支付/聚合",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度本地)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-billdesk",
      "name": "BillDesk",
      "aliases": [],
      "website_url": "https://www.billdesk.com",
      "category": "三方支付/收单",
      "region": "India",
      "coverage": "印度",
      "services": [
        "账单支付",
        "收单"
      ],
      "introduction": "印度老牌账单与支付网关(被Prosus收购)",
      "fee_note": "按量定制,未公开(网银/钱包约1.5%-2%)",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.billdesk.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "india",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度本地)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-ccavenue",
      "name": "CCAvenue",
      "aliases": [],
      "website_url": "https://www.ccavenue.com",
      "category": "三方支付/收单",
      "region": "India",
      "coverage": "印度",
      "services": [
        "多币种收单",
        "支付网关"
      ],
      "introduction": "印度主流多币种支付网关",
      "fee_note": "印度约2%-3%+GST(按量阶梯)；未统一公开",
      "settlement_note": "T+2至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.ccavenue.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "india",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度本地)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-pine-labs",
      "name": "Pine Labs",
      "aliases": [],
      "website_url": "https://www.pinelabs.com",
      "category": "三方支付/收单",
      "region": "印度/东南亚",
      "coverage": "印度等",
      "services": [
        "POS收单",
        "忠诚",
        "分期"
      ],
      "introduction": "印度POS与商户收单网络",
      "fee_note": "POS收单按量定制,未公开(约1.5%-2.5%)",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.pinelabs.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "印度/东南亚",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度/东南亚本地)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-instamojo",
      "name": "Instamojo",
      "aliases": [],
      "website_url": "https://www.instamojo.com",
      "category": "三方支付/收单",
      "region": "India",
      "coverage": "印度",
      "services": [
        "支付网关",
        "收款链接"
      ],
      "introduction": "面向小微与初创的收款网关",
      "fee_note": "线上2%+₹3/笔(标准)；收款链接等另计",
      "settlement_note": "T+2至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.instamojo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "india",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-bharatpe",
      "name": "BharatPe",
      "aliases": [],
      "website_url": "https://www.bharatpe.com",
      "category": "四方支付/聚合",
      "region": "India",
      "coverage": "印度",
      "services": [
        "聚合收单",
        "POS",
        "商家贷"
      ],
      "introduction": "印度线下聚合收单与商家服务",
      "fee_note": "UPI收款0%；POS/贷款按量定制",
      "settlement_note": "T+1(UPI即时)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.bharatpe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "india",
        "四方支付/聚合",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-mobikwik",
      "name": "Mobikwik",
      "aliases": [],
      "website_url": "https://www.mobikwik.com",
      "category": "三方支付/收单",
      "region": "India",
      "coverage": "印度",
      "services": [
        "钱包",
        "支付",
        "信用"
      ],
      "introduction": "印度电子钱包与支付平台",
      "fee_note": "钱包/支付按量定制,未公开(约1.5%-2%)",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.mobikwik.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "india",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印度本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-fiuu",
      "name": "Fiuu",
      "aliases": [],
      "website_url": "https://fiuu.com",
      "category": "Southeast Asia payment gateway, acquiring",
      "region": "Southeast Asia, East Asia",
      "coverage": "Malaysia, Singapore, Thailand, Philippines, Vietnam, Taiwan, Hong Kong, China, Indonesia",
      "services": [
        "Cards",
        "Online banking",
        "DuitNow",
        "FPX",
        "PayNow",
        "PromptPay",
        "E-wallets",
        "BNPL",
        "Cash payments",
        "Crypto"
      ],
      "introduction": "Fiuu 是东南亚支付网关和收单服务商，前身为 Razer Merchant Services，支持线上线下多种本地支付方式。",
      "fee_note": "官网条款说明可能收取注册费、维护费、交易费、结算费和电汇费；未在主站公开统一费率。",
      "settlement_note": "条款说明完成交易的结算资金将扣除服务费、退款、拒付等后汇入商户银行账户；具体周期需合同确认。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fiuu.com/contact-us/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Razer Merchant Services",
        "Southeast Asia",
        "gateway",
        "三方支付/收单",
        "东南亚(马来西亚)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海东南亚)",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-omise",
      "name": "Omise",
      "aliases": [],
      "website_url": "https://www.omise.co",
      "category": "Asia payment gateway",
      "region": "Southeast Asia, East Asia",
      "coverage": "Thailand, Japan, Singapore, Malaysia",
      "services": [
        "Cards",
        "PromptPay",
        "TrueMoney",
        "GrabPay",
        "FPX",
        "DuitNow",
        "Alipay",
        "Konbini",
        "Pay-easy",
        "Online banking"
      ],
      "introduction": "Omise 是亚洲支付网关，面向泰国、日本、新加坡、马来西亚商户提供卡支付和本地支付方式接入。",
      "fee_note": "官网公开按国家查看价格；文档说明按交易收费，无前置费、固定成本或月最低费。",
      "settlement_note": "文档公开转账费用示例：泰国转账低于 200 万 THB 收 30 THB，日本 260 JPY，新加坡无转账费；具体结算时效依账户和国家。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.omise.co/contact",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Japan",
        "Southeast Asia",
        "gateway",
        "三方支付/收单",
        "中",
        "泰国/东南亚"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海泰国)",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-doku",
      "name": "Doku",
      "aliases": [],
      "website_url": "https://www.doku.com",
      "category": "三方支付/收单",
      "region": "印尼",
      "coverage": "印尼",
      "services": [
        "钱包",
        "收单",
        "OTC"
      ],
      "introduction": "印尼钱包与支付网关",
      "fee_note": "印尼卡约2.9%+固定；钱包/OTC约1%-2.5%；未统一公开",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.doku.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "印尼",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海印尼)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-ipay88",
      "name": "iPay88",
      "aliases": [],
      "website_url": "https://www.ipay88.com",
      "category": "三方支付/收单",
      "region": "东南亚(马来西亚)",
      "coverage": "马来西亚/多国",
      "services": [
        "收单",
        "多渠道支付"
      ],
      "introduction": "马来西亚区域收单与支付网关",
      "fee_note": "马来西亚卡约2.5%-3.5%；多渠道约1%-3%；未统一公开",
      "settlement_note": "T+2至T+5",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.ipay88.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "东南亚(马来西亚)",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海东南亚)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-gcash",
      "name": "GCash",
      "aliases": [],
      "website_url": "https://www.gcash.com",
      "category": "三方支付/收单",
      "region": "菲律宾",
      "coverage": "菲律宾",
      "services": [
        "电子钱包",
        "QR",
        "转账"
      ],
      "introduction": "菲律宾最大电子钱包(蚂蚁投资)",
      "fee_note": "钱包/转账免费(消费者)；商户收单按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.gcash.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "菲律宾",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(菲律宾本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-grabpay",
      "name": "GrabPay",
      "aliases": [],
      "website_url": "https://www.grab.com",
      "category": "三方支付/收单",
      "region": "Southeast Asia",
      "coverage": "新马印尼菲泰等",
      "services": [
        "钱包",
        "QR",
        "转账"
      ],
      "introduction": "Grab超级App内区域钱包",
      "fee_note": "钱包/转账免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.grab.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "southeast asia",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(东南亚区域)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-shopeepay",
      "name": "ShopeePay",
      "aliases": [],
      "website_url": "https://shopeepay.com",
      "category": "三方支付/收单",
      "region": "Southeast Asia",
      "coverage": "东南亚多国",
      "services": [
        "钱包",
        "QR",
        "转账"
      ],
      "introduction": "Sea旗下电商钱包与支付",
      "fee_note": "钱包免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://shopeepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "southeast asia",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(东南亚本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-truemoney",
      "name": "TrueMoney",
      "aliases": [],
      "website_url": "https://www.truemoney.com",
      "category": "三方支付/收单",
      "region": "泰国/东南亚",
      "coverage": "泰国等",
      "services": [
        "钱包",
        "代理",
        "转账"
      ],
      "introduction": "泰国领先电子钱包(蚂蚁投资)",
      "fee_note": "钱包免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.truemoney.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "泰国/东南亚",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(泰国/东南亚)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-dana",
      "name": "DANA",
      "aliases": [],
      "website_url": "https://www.dana.id",
      "category": "三方支付/收单",
      "region": "印尼",
      "coverage": "印尼",
      "services": [
        "钱包",
        "QRIS",
        "转账"
      ],
      "introduction": "印尼电子钱包，与Grab合作",
      "fee_note": "钱包免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.dana.id",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "印尼",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印尼本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-ovo",
      "name": "OVO",
      "aliases": [],
      "website_url": "https://www.ovo.id",
      "category": "三方支付/收单",
      "region": "印尼",
      "coverage": "印尼",
      "services": [
        "钱包",
        "积分",
        "支付"
      ],
      "introduction": "印尼头部电子钱包",
      "fee_note": "钱包免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.ovo.id",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "印尼",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(印尼本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-touch-n-go",
      "name": "Touch'n Go",
      "aliases": [],
      "website_url": "https://www.tngdigital.com.my",
      "category": "三方支付/收单",
      "region": "马来西亚",
      "coverage": "马来西亚",
      "services": [
        "钱包",
        "QR",
        "交通"
      ],
      "introduction": "马来西亚电子钱包(蚂蚁与CIMB合资)",
      "fee_note": "钱包免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.tngdigital.com.my",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "马来西亚",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(马来西亚本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-maya-paymaya",
      "name": "Maya (PayMaya)",
      "aliases": [
        "Maya"
      ],
      "website_url": "https://www.maya.ph",
      "category": "三方支付/收单",
      "region": "菲律宾",
      "coverage": "菲律宾",
      "services": [
        "钱包",
        "银行",
        "QR"
      ],
      "introduction": "菲律宾数字银行与电子钱包",
      "fee_note": "钱包/转账免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.maya.ph",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "菲律宾",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(菲律宾本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-kakaopay",
      "name": "KakaoPay",
      "aliases": [],
      "website_url": "https://www.kakaopay.com",
      "category": "三方支付/收单",
      "region": "韩国",
      "coverage": "韩国",
      "services": [
        "钱包",
        "QR",
        "支付"
      ],
      "introduction": "韩国Kakao生态电子钱包",
      "fee_note": "钱包免费(消费者)；商户费率约1.5%-2%(未统一公开)",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.kakaopay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "韩国",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(韩国本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-m-pesa",
      "name": "M-Pesa",
      "aliases": [],
      "website_url": "https://www.safaricom.co.ke",
      "category": "移动货币运营商",
      "region": "东非(肯尼亚等)",
      "coverage": "肯尼亚/坦桑/南非等",
      "services": [
        "移动货币",
        "商户收单"
      ],
      "introduction": "Safaricom旗下非洲移动货币标杆",
      "fee_note": "P2P/转账按额阶梯；商户收单按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.safaricom.co.ke",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "东非(肯尼亚等)",
        "移动货币运营商",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(东非本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-mtn-momo",
      "name": "MTN MoMo",
      "aliases": [
        "MTN Mobile Money"
      ],
      "website_url": "https://www.mtn.com",
      "category": "移动货币运营商",
      "region": "Africa",
      "coverage": "16+非洲国家",
      "services": [
        "移动货币",
        "MoMo Pay",
        "转账",
        "商户收款"
      ],
      "introduction": "MTN旗下跨非洲移动钱包",
      "fee_note": "转账按额阶梯；商户MoMo Pay按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.mtn.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "africa",
        "移动货币运营商",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(非洲多国)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-airtel-money",
      "name": "Airtel Money",
      "aliases": [],
      "website_url": "https://www.airtel.com",
      "category": "移动货币运营商",
      "region": "非洲/印度",
      "coverage": "14+非洲国家",
      "services": [
        "移动货币",
        "商户方案"
      ],
      "introduction": "Airtel电信系移动钱包",
      "fee_note": "转账按额阶梯；商户费率按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.airtel.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "非洲/印度",
        "移动货币运营商",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(非洲/印度)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-opay",
      "name": "OPay",
      "aliases": [],
      "website_url": "https://www.opay.com",
      "category": "三方支付/收单",
      "region": "非洲(尼日利亚)",
      "coverage": "尼日利亚等",
      "services": [
        "钱包",
        "POS",
        "转账"
      ],
      "introduction": "尼日利亚最大移动支付之一，中国背景",
      "fee_note": "钱包免费(消费者)；POS/商户收单按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.opay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "非洲(尼日利亚)",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(中国背景,可服务出海)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-palmpay",
      "name": "PalmPay",
      "aliases": [],
      "website_url": "https://www.palmpay.com",
      "category": "三方支付/收单",
      "region": "Africa",
      "coverage": "尼日利亚/加纳/坦桑等",
      "services": [
        "钱包",
        "POS",
        "API"
      ],
      "introduction": "尼日利亚超级App钱包(传音系)",
      "fee_note": "钱包免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.palmpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "africa",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(传音系,可服务出海)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-cellulant",
      "name": "Cellulant",
      "aliases": [],
      "website_url": "https://www.cellulant.io",
      "category": "三方支付/收单",
      "region": "Africa",
      "coverage": "多国",
      "services": [
        "移动支付",
        "账单",
        "收单"
      ],
      "introduction": "非洲跨国支付与清结算运营商",
      "fee_note": "按国别约2%-3.5%；未统一公开",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.cellulant.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "africa",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海非洲)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-interswitch",
      "name": "Interswitch",
      "aliases": [],
      "website_url": "https://www.interswitch.com",
      "category": "三方支付/收单",
      "region": "非洲(尼日利亚)",
      "coverage": "尼日利亚/非洲",
      "services": [
        "收单",
        "Switch",
        "Quickteller"
      ],
      "introduction": "尼日利亚支付交换与收单基础设施",
      "fee_note": "尼日利亚卡约1.5%-3.5%；按产品未统一公开",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.interswitch.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "非洲(尼日利亚)",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(服务出海尼日利亚)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-etranzact",
      "name": "eTranzact",
      "aliases": [],
      "website_url": "https://www.etranzact.com",
      "category": "三方支付/收单",
      "region": "Africa",
      "coverage": "多国",
      "services": [
        "收单",
        "Switch",
        "移动"
      ],
      "introduction": "尼日利亚上市支付处理机构",
      "fee_note": "按产品约1.5%-3.5%；未统一公开",
      "settlement_note": "T+1至T+3",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.etranzact.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "africa",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(可服务出海)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-yoco",
      "name": "Yoco",
      "aliases": [],
      "website_url": "https://www.yoco.com",
      "category": "三方支付/收单",
      "region": "南非",
      "coverage": "南非",
      "services": [
        "POS",
        "二维码收单"
      ],
      "introduction": "南非中小商户收单与POS",
      "fee_note": "POS刷卡2.9%+R1.5/笔(无月费)；扫码较低",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.yoco.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "南非",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(南非本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-ozow",
      "name": "Ozow",
      "aliases": [],
      "website_url": "https://www.ozow.com",
      "category": "三方支付/收单",
      "region": "南非",
      "coverage": "南非",
      "services": [
        "即时银行转账(EFT)"
      ],
      "introduction": "南非即时银行转账支付",
      "fee_note": "即时银行转账约1.5%-2%(按量,无月费)",
      "settlement_note": "实时到账",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.ozow.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "南非",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(南非本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-moniepoint",
      "name": "Moniepoint",
      "aliases": [],
      "website_url": "https://www.moniepoint.com",
      "category": "三方支付/收单",
      "region": "非洲(尼日利亚)",
      "coverage": "尼日利亚",
      "services": [
        "商户收单",
        "POS",
        "银行"
      ],
      "introduction": "尼日利亚最大商户收单， powering 80%线下POS",
      "fee_note": "POS/商户收单按量定制,未公开(约0.5%-1.5%)",
      "settlement_note": "实时/T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.moniepoint.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "非洲(尼日利亚)",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(尼日利亚本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-paga",
      "name": "Paga",
      "aliases": [],
      "website_url": "https://www.paga.com",
      "category": "三方支付/收单",
      "region": "非洲(尼日利亚)",
      "coverage": "尼日利亚",
      "services": [
        "移动钱包",
        "代理",
        "商户"
      ],
      "introduction": "尼日利亚早期移动支付平台",
      "fee_note": "钱包免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.paga.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "非洲(尼日利亚)",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(尼日利亚本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-kuda",
      "name": "Kuda",
      "aliases": [],
      "website_url": "https://www.kuda.com",
      "category": "三方支付/收单",
      "region": "非洲(尼日利亚)",
      "coverage": "尼日利亚",
      "services": [
        "数字银行",
        "卡",
        "支付"
      ],
      "introduction": "尼日利亚数字银行含商户收款",
      "fee_note": "数字银行免费(消费者)；商户费率按量定制未公开",
      "settlement_note": "实时/当日",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.kuda.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "非洲(尼日利亚)",
        "三方支付/收单",
        "低"
      ],
      "ext": {
        "merchant_entity_requirement": "否(尼日利亚本地)",
        "access_threshold": "低",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-photonpay",
      "name": "PhotonPay",
      "aliases": [
        "光子支付"
      ],
      "website_url": "https://www.photonpay.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "全球(200+国家/地区)",
      "services": [
        "跨境收单",
        "全球发卡",
        "企业钱包与跨境结算"
      ],
      "introduction": "香港持牌跨境支付服务商",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.photonpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-skyee",
      "name": "Skyee",
      "aliases": [
        "收款易"
      ],
      "website_url": "https://www.skyee360.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "全球(100+国家)",
      "services": [
        "跨境收款",
        "外汇结算",
        "VAT缴费"
      ],
      "introduction": "拉卡拉成员，新加坡MPI持牌",
      "fee_note": "约0.4%-0.6%/笔",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.skyee360.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-cbibank",
      "name": "CBiBank",
      "aliases": [
        "富港银行"
      ],
      "website_url": "https://www.cbibank.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "全球(163+国家)",
      "services": [
        "美国银行开户",
        "跨境收款与结算"
      ],
      "introduction": "波多黎各国际银行",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.cbibank.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-panpay",
      "name": "PanPay",
      "aliases": [
        "泛付"
      ],
      "website_url": "https://www.panpay.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "全球(欧盟为主)",
      "services": [
        "欧盟数字银行",
        "跨境收款与结算"
      ],
      "introduction": "持欧盟EMI数字银行牌照",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.panpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-neat",
      "name": "Neat",
      "aliases": [],
      "website_url": "https://www.neat.hk",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "香港及亚太",
      "services": [
        "跨境企业账户",
        "预付卡",
        "收款"
      ],
      "introduction": "香港虚拟银行/企业账户",
      "fee_note": "未公开",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.neat.hk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-epay",
      "name": "epay",
      "aliases": [
        "易派"
      ],
      "website_url": "https://www.epay.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "全球(100+国家)",
      "services": [
        "跨境汇款",
        "收付款",
        "本地化结算"
      ],
      "introduction": "香港2014年跨境汇款",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.epay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-useepay",
      "name": "UseePay",
      "aliases": [
        "优时支付"
      ],
      "website_url": "https://www.useepay.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "全球(200+国家)",
      "services": [
        "全球收单",
        "跨境支付",
        "风控"
      ],
      "introduction": "香港2019全球收单",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.useepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-ipaylinks",
      "name": "iPayLinks",
      "aliases": [
        "艾贝盈"
      ],
      "website_url": "https://www.ipaylinks.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "全球(150+国家)",
      "services": [
        "跨境收付款",
        "供应链金融"
      ],
      "introduction": "上海2015跨境支付",
      "fee_note": "未公开",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.ipaylinks.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-oriente",
      "name": "Oriente",
      "aliases": [],
      "website_url": "https://www.oriente.com",
      "category": "四方支付/聚合",
      "region": "China",
      "coverage": "东南亚(菲律宾、印尼等)",
      "services": [
        "先买后付(BNPL)",
        "消费金融"
      ],
      "introduction": "香港2017，Cashalo/Finmas等",
      "fee_note": "未公开",
      "settlement_note": "未公开",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.oriente.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "四方支付/聚合",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(仅特定业务)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-heepay",
      "name": "Heepay",
      "aliases": [
        "汇元银通"
      ],
      "website_url": "https://www.heepay.com",
      "category": "三方支付/收单",
      "region": "China",
      "coverage": "中国",
      "services": [
        "网络支付",
        "预付卡",
        "聚合收银"
      ],
      "introduction": "北京第三方支付",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.heepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-umpay",
      "name": "Umpay",
      "aliases": [
        "联动优势"
      ],
      "website_url": "https://www.umpay.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "中国(含跨境)",
      "services": [
        "跨境支付",
        "供应链金融"
      ],
      "introduction": "海联金汇子公司",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.umpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-whalet",
      "name": "Whalet",
      "aliases": [
        "易鲸"
      ],
      "website_url": "https://www.whalet.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "全球",
      "services": [
        "跨境收款",
        "全球账户",
        "企业卡"
      ],
      "introduction": "香港2015跨境支付",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.whalet.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-pacypay",
      "name": "Pacypay",
      "aliases": [],
      "website_url": "https://www.pacypay.com",
      "category": "跨境收款(三方)",
      "region": "China",
      "coverage": "全球(国际卡收单)",
      "services": [
        "国际卡收单",
        "跨境收款"
      ],
      "introduction": "荣翰国际/上海固锦",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.pacypay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "china",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-bambora",
      "name": "Bambora",
      "aliases": [],
      "website_url": "https://www.bambora.com",
      "category": "三方支付/收单",
      "region": "Europe",
      "coverage": "欧洲、北美",
      "services": [
        "商户收单",
        "支付网关"
      ],
      "introduction": "瑞典收单商",
      "fee_note": "未公开",
      "settlement_note": "T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.bambora.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "europe",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-2checkout-verifone",
      "name": "2Checkout (Verifone)",
      "aliases": [
        "2Checkout"
      ],
      "website_url": "https://www.2checkout.com",
      "category": "四方支付/聚合",
      "region": "North America",
      "coverage": "全球",
      "services": [
        "全球支付平台",
        "数字商品销售"
      ],
      "introduction": "Verifone旗下",
      "fee_note": "约3.5%+$0.35/笔",
      "settlement_note": "T+2至T+7",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.2checkout.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "north america",
        "四方支付/聚合",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-neteller",
      "name": "Neteller",
      "aliases": [],
      "website_url": "https://www.neteller.com",
      "category": "其他",
      "region": "Europe",
      "coverage": "全球",
      "services": [
        "电子钱包",
        "在线支付"
      ],
      "introduction": "Paysafe电子钱包",
      "fee_note": "约1.45%-2.95%/笔",
      "settlement_note": "实时/钱包内",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.neteller.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "europe",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-nmi",
      "name": "NMI",
      "aliases": [],
      "website_url": "https://www.nmi.com",
      "category": "四方支付/聚合",
      "region": "North America",
      "coverage": "全球",
      "services": [
        "支付网关",
        "嵌入式支付"
      ],
      "introduction": "独立支付网关",
      "fee_note": "未公开",
      "settlement_note": "T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.nmi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "north america",
        "四方支付/聚合",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-modulr",
      "name": "Modulr",
      "aliases": [],
      "website_url": "https://www.modulrfinance.com",
      "category": "其他",
      "region": "Europe",
      "coverage": "英国、欧盟",
      "services": [
        "API银行",
        "EMI",
        "批量付款"
      ],
      "introduction": "英国/EU EMI",
      "fee_note": "未公开",
      "settlement_note": "T+0/T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.modulrfinance.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "europe",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-unit",
      "name": "Unit",
      "aliases": [],
      "website_url": "https://www.unit.co",
      "category": "其他",
      "region": "North America",
      "coverage": "美国",
      "services": [
        "嵌入式金融",
        "BaaS",
        "发卡"
      ],
      "introduction": "嵌入式银行",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.unit.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "north america",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-ramp",
      "name": "Ramp",
      "aliases": [],
      "website_url": "https://www.ramp.com",
      "category": "其他",
      "region": "North America",
      "coverage": "美国",
      "services": [
        "企业卡",
        "费用管理",
        "支付"
      ],
      "introduction": "企业支出管理",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.ramp.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "north america",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-marqeta",
      "name": "Marqeta",
      "aliases": [],
      "website_url": "https://www.marqeta.com",
      "category": "其他",
      "region": "North America",
      "coverage": "美国、全球",
      "services": [
        "发卡平台",
        "卡片发放API"
      ],
      "introduction": "现代发卡平台",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.marqeta.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "north america",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-nomba",
      "name": "Nomba",
      "aliases": [],
      "website_url": "https://www.nomba.com",
      "category": "三方支付/收单",
      "region": "Africa",
      "coverage": "尼日利亚",
      "services": [
        "POS收单",
        "商户支付"
      ],
      "introduction": "尼日利亚POS服务商",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.nomba.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "africa",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-moyasar",
      "name": "Moyasar",
      "aliases": [],
      "website_url": "https://www.moyasar.com",
      "category": "四方支付/聚合",
      "region": "Middle East",
      "coverage": "沙特阿拉伯",
      "services": [
        "支付网关",
        "本地支付方式聚合"
      ],
      "introduction": "沙特支付网关",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.moyasar.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "middle east",
        "四方支付/聚合",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-spotii",
      "name": "Spotii",
      "aliases": [],
      "website_url": "https://www.spotii.com",
      "category": "其他",
      "region": "Middle East",
      "coverage": "阿联酋、沙特",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "中东BNPL",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.spotii.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "middle east",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-postpay",
      "name": "Postpay",
      "aliases": [],
      "website_url": "https://www.postpay.io",
      "category": "其他",
      "region": "Middle East",
      "coverage": "阿联酋、埃及、沙特",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "中东BNPL",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.postpay.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "middle east",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-zoodpay",
      "name": "ZoodPay",
      "aliases": [],
      "website_url": "https://www.zoodpay.com",
      "category": "其他",
      "region": "Middle East",
      "coverage": "中亚、中东(7国)",
      "services": [
        "先买后付(BNPL)",
        "电商生态"
      ],
      "introduction": "瑞士总部，中东中亚BNPL",
      "fee_note": "未公开",
      "settlement_note": "T+1至T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.zoodpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "middle east",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "部分(面向中国跨境卖家)",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-telr",
      "name": "Telr",
      "aliases": [],
      "website_url": "https://www.telr.com",
      "category": "四方支付/聚合",
      "region": "Middle East",
      "coverage": "阿联酋、沙特、巴林、约旦、印度、新加坡",
      "services": [
        "支付网关",
        "线上收单"
      ],
      "introduction": "阿联酋支付网关",
      "fee_note": "未公开",
      "settlement_note": "T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.telr.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "middle east",
        "四方支付/聚合",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-madfooatcom-efawateercom",
      "name": "MadfooatCom (eFAWATEERcom)",
      "aliases": [
        "MadfooatCom"
      ],
      "website_url": "https://www.efawateercom.jo",
      "category": "其他",
      "region": "Middle East",
      "coverage": "约旦",
      "services": [
        "电子账单呈递与支付(EBPP)"
      ],
      "introduction": "约旦官方账单支付平台",
      "fee_note": "政府账单免费，其他0.20-5.00约旦第纳尔",
      "settlement_note": "实时",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.efawateercom.jo",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "middle east",
        "其他",
        "仅本地"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "仅本地",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-hyperpay",
      "name": "HyperPay",
      "aliases": [],
      "website_url": "https://www.hyperpay.com",
      "category": "四方支付/聚合",
      "region": "Middle East",
      "coverage": "中东(9国)",
      "services": [
        "电子支付网关",
        "收单"
      ],
      "introduction": "沙特头部支付网关",
      "fee_note": "未公开",
      "settlement_note": "T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.hyperpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "middle east",
        "四方支付/聚合",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-geidea",
      "name": "Geidea",
      "aliases": [],
      "website_url": "https://www.geidea.net",
      "category": "三方支付/收单",
      "region": "Middle East",
      "coverage": "沙特、阿联酋、埃及、GCC",
      "services": [
        "POS终端",
        "收单",
        "支付网关"
      ],
      "introduction": "沙特最大收单机构",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.geidea.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "middle east",
        "三方支付/收单",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-asiapay",
      "name": "AsiaPay",
      "aliases": [
        "联款通"
      ],
      "website_url": "https://www.asiapay.com",
      "category": "四方支付/聚合",
      "region": "Southeast Asia",
      "coverage": "亚太(15个办事处)",
      "services": [
        "支付网关",
        "收单",
        "白标"
      ],
      "introduction": "香港2000支付网关",
      "fee_note": "未公开",
      "settlement_note": "T+2",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.asiapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "southeast asia",
        "四方支付/聚合",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "是",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-hitpay",
      "name": "HitPay",
      "aliases": [],
      "website_url": "https://www.hitpayapp.com",
      "category": "SMB payments, POS, payment links",
      "region": "Asia Pacific, Southeast Asia",
      "coverage": "Singapore, Malaysia, Philippines, Indonesia, Thailand, Hong Kong, Australia, New Zealand",
      "services": [
        "Cards",
        "PayNow",
        "DuitNow",
        "QRIS",
        "QR Ph",
        "UPI",
        "PromptPay",
        "TrueMoney",
        "GCash",
        "E-wallets",
        "BNPL",
        "POS"
      ],
      "introduction": "HitPay 是面向亚太中小商户的支付平台，支持线上、线下、支付链接、发票、POS 和跨境 QR/本地支付。",
      "fee_note": "官网公开 pay-per-transaction 定价，无设置费和月费；跨境示例包括 PayNow 0.9%/0.65%+S$0.30、DuitNow 2.3%、QR Ph 1% 或 PHP 20、PromptPay 2.5%，部分卡支付需联系销售。",
      "settlement_note": "官方文档列出本地和跨境支付确认/入账周期；跨境资金自动换汇后纳入每日 payout，并收 1% FX markup。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.hitpayapp.com/contact-us",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "QR",
        "SMB",
        "Southeast Asia",
        "southeast asia",
        "中",
        "四方支付/聚合"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-senangpay",
      "name": "SenangPay",
      "aliases": [],
      "website_url": "https://senangpay.com",
      "category": "Malaysia payment gateway",
      "region": "Southeast Asia",
      "coverage": "Malaysia",
      "services": [
        "FPX",
        "Cards",
        "E-wallets",
        "BNPL",
        "Payment forms",
        "Invoices",
        "Recurring billing",
        "Payout API"
      ],
      "introduction": "senangPay-DOKU 是马来西亚支付网关，支持本地线上银行、银行卡、电子钱包、BNPL、发票和 API 收款。",
      "fee_note": "官网公开价格：Starter RM199/年、Advance RM349/年；FPX RM1 或 1.5% 取高，local cards RM0.65 或 2.5% 取高，e-wallets RM0.65 或 1.5% 取高，BNPL 约 2.0%-6.0%。",
      "settlement_note": "官方指南公开：FPX 下一工作日结算；其他支付方式 T+2；最低结算额 RM100。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://senangpay.com/contact-us/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "FPX",
        "Malaysia",
        "gateway",
        "southeast asia",
        "中",
        "四方支付/聚合"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-billplz",
      "name": "Billplz",
      "aliases": [],
      "website_url": "https://www.billplz.com",
      "category": "Malaysia online payments, billing API",
      "region": "Southeast Asia",
      "coverage": "Malaysia",
      "services": [
        "FPX",
        "Cards",
        "E-wallets",
        "BNPL",
        "Payment forms",
        "Billing API",
        "Payouts"
      ],
      "introduction": "Billplz 是马来西亚在线收款和账单支付平台，支持 FPX、卡、电子钱包、分期、支付表单和 API。",
      "fee_note": "官网公开 Basic 免费、Standard RM999/年、Enterprise 定制；FPX B2C RM1.10 或 RM0.70，马来西亚卡 1.8%/1.5%，外卡 2.8%/2.5%，钱包约 1.0%-1.4%，BNPL 约 6.3%-6.5%。",
      "settlement_note": "官方指南公开：FPX 下一工作日、钱包次日、卡 T+2 工作日、分期每周三和周五结算。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.billplz.com/contact.html",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "FPX",
        "Malaysia",
        "billing",
        "southeast asia",
        "中",
        "四方支付/聚合"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-unipin",
      "name": "UniPin",
      "aliases": [],
      "website_url": "https://www.unipin.com",
      "category": "其他",
      "region": "Southeast Asia",
      "coverage": "印度尼西亚、东南亚",
      "services": [
        "游戏充值",
        "数字娱乐支付"
      ],
      "introduction": "游戏/数字商品支付",
      "fee_note": "未公开",
      "settlement_note": "实时",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.unipin.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "southeast asia",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-payglocal",
      "name": "PayGlocal",
      "aliases": [],
      "website_url": "https://www.payglocal.com",
      "category": "跨境收款(三方)",
      "region": "Global",
      "coverage": "全球(180+国家)",
      "services": [
        "印度跨境收款",
        "本地银行清算"
      ],
      "introduction": "印度RBI授权跨境支付",
      "fee_note": "成功交易计费(未公开)",
      "settlement_note": "T+1(24小时内)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.payglocal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "跨境收款(三方)",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-juspay",
      "name": "Juspay",
      "aliases": [],
      "website_url": "https://www.juspay.io",
      "category": "四方支付/聚合",
      "region": "Global",
      "coverage": "全球(50+国家)",
      "services": [
        "支付编排",
        "路由",
        "UPI"
      ],
      "introduction": "印度支付编排平台",
      "fee_note": "未公开",
      "settlement_note": "T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.juspay.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "四方支付/聚合",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-linkaja",
      "name": "LinkAja",
      "aliases": [],
      "website_url": "https://www.linkaja.id",
      "category": "其他",
      "region": "Southeast Asia",
      "coverage": "印度尼西亚",
      "services": [
        "电子钱包",
        "本地支付"
      ],
      "introduction": "印尼国有数字钱包",
      "fee_note": "未公开",
      "settlement_note": "实时/钱包内",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.linkaja.id",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "southeast asia",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-wave",
      "name": "Wave",
      "aliases": [],
      "website_url": "https://www.wave.com",
      "category": "移动货币运营商",
      "region": "Africa",
      "coverage": "西/中非洲(10国)",
      "services": [
        "移动货币",
        "免费P2P转账"
      ],
      "introduction": "西非移动货币",
      "fee_note": "约1%(低费率)",
      "settlement_note": "实时",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.wave.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "africa",
        "移动货币运营商",
        "仅本地"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "仅本地",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-chipper-cash",
      "name": "Chipper Cash",
      "aliases": [],
      "website_url": "https://www.chippercash.com",
      "category": "其他",
      "region": "Africa",
      "coverage": "非洲(多国)、美国",
      "services": [
        "跨境汇款",
        "虚拟卡",
        "投资"
      ],
      "introduction": "非洲跨境汇款App",
      "fee_note": "免费转账",
      "settlement_note": "实时",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.chippercash.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "africa",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-eversend",
      "name": "Eversend",
      "aliases": [],
      "website_url": "https://www.eversend.co",
      "category": "其他",
      "region": "Africa",
      "coverage": "非洲(30+国家)",
      "services": [
        "多币种钱包",
        "跨境汇款",
        "虚拟卡"
      ],
      "introduction": "非洲跨境资金账户",
      "fee_note": "未公开",
      "settlement_note": "T+0/T+1",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.eversend.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "africa",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-nala",
      "name": "NALA",
      "aliases": [],
      "website_url": "https://www.nala.com",
      "category": "其他",
      "region": "Africa",
      "coverage": "全球(35+国家)",
      "services": [
        "跨境汇款",
        "多币种账户",
        "Rafiki API"
      ],
      "introduction": "非洲跨境汇款平台",
      "fee_note": "未公开",
      "settlement_note": "T+0(多数10分钟内)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.nala.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "africa",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "否",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-kucoin-pay",
      "name": "KuCoin Pay",
      "aliases": [],
      "website_url": "https://www.kucoin.com/pay",
      "category": "其他",
      "region": "Global",
      "coverage": "全球(200+国家/地区)",
      "services": [
        "加密货币支付",
        "线上线下收款"
      ],
      "introduction": "KuCoin加密货币支付",
      "fee_note": "链下0费，链上低网络费",
      "settlement_note": "实时(链下)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.kucoin.com/pay",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "待核实",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-binance-pay",
      "name": "Binance Pay",
      "aliases": [],
      "website_url": "https://pay.binance.com",
      "category": "其他",
      "region": "Global",
      "coverage": "全球(170M+ Binance用户)",
      "services": [
        "加密货币支付",
        "转账",
        "商户收款"
      ],
      "introduction": "币安加密支付",
      "fee_note": "0手续费(链下)",
      "settlement_note": "实时",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://pay.binance.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "待核实",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-coinbase-commerce",
      "name": "Coinbase Commerce",
      "aliases": [],
      "website_url": "https://commerce.coinbase.com",
      "category": "其他",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "加密货币收款",
        "链上支付协议"
      ],
      "introduction": "Coinbase加密收款",
      "fee_note": "约1%交易费",
      "settlement_note": "实时(链上)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://commerce.coinbase.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "待核实",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-bitpay",
      "name": "BitPay",
      "aliases": [],
      "website_url": "https://www.bitpay.com",
      "category": "其他",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "加密货币",
        "稳定币收款与付款"
      ],
      "introduction": "老牌加密支付(2011)",
      "fee_note": "约1%交易费",
      "settlement_note": "T+1(法币)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.bitpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "待核实",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-coingate",
      "name": "CoinGate",
      "aliases": [],
      "website_url": "https://www.coingate.com",
      "category": "其他",
      "region": "Europe",
      "coverage": "全球(180+国家)",
      "services": [
        "加密货币",
        "稳定币收款与付款"
      ],
      "introduction": "欧盟MiCA持牌加密支付",
      "fee_note": "未公开",
      "settlement_note": "T+1(实时结算可选)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.coingate.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "europe",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "待核实",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-opennode",
      "name": "OpenNode",
      "aliases": [],
      "website_url": "https://www.opennode.com",
      "category": "其他",
      "region": "Global",
      "coverage": "全球",
      "services": [
        "比特币(Lightning)收款与付款"
      ],
      "introduction": "比特币闪电网络支付",
      "fee_note": "约1%(链上)，闪电网络低",
      "settlement_note": "实时(Lightning)",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.opennode.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "待核实",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-strike",
      "name": "Strike",
      "aliases": [],
      "website_url": "https://www.strike.me",
      "category": "其他",
      "region": "Global",
      "coverage": "全球(近100国)",
      "services": [
        "比特币(Lightning)支付",
        "汇款"
      ],
      "introduction": "比特币闪电网络支付App",
      "fee_note": "0手续费(部分)",
      "settlement_note": "实时",
      "contact": {
        "public_status": "unknown",
        "contact_url": "https://www.strike.me",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-13",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "global",
        "其他",
        "中"
      ],
      "ext": {
        "merchant_entity_requirement": "待核实",
        "access_threshold": "中",
        "public_profile_ready": null,
        "last_enriched_at": null
      }
    },
    {
      "id": "provider-cryptopayr",
      "name": "CryptoPAYR",
      "aliases": [],
      "website_url": "https://cryptopayr.com",
      "category": "crypto, gaming, high-risk",
      "region": "africa, asia, europe, global, latin-america, middle-east, north-america, oceania, south-america, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "移动支付",
        "虚拟终端(信用卡收款)",
        "订阅",
        "周期扣款",
        "平台",
        "聚合收款",
        "多币种账户",
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "CryptoPAYR 是一家加密货币支付服务商，覆盖全球，支持加密货币、移动支付、虚拟终端(信用卡收款)、订阅/周期扣款、平台/聚合收款、多币种账户。公开费率：0.1%–2%。结算：即时。",
      "fee_note": "公开费率：0.1%–2%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cryptopayr.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "gaming",
        "global",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "instant-sandbox",
        "latin-america",
        "low-fees",
        "marketplace-support",
        "middle-east",
        "mobile-payments",
        "north-america",
        "oceania",
        "south-america",
        "southeast-asia",
        "全球",
        "出款",
        "加密货币",
        "即时出款",
        "周期扣款",
        "多币种账户",
        "平台",
        "移动支付",
        "聚合收款",
        "虚拟终端(信用卡收款)",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "无需KYC/KYB（加密/匿名类常见）",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-catalystpay",
      "name": "CatalystPay",
      "aliases": [],
      "website_url": "https://catalystpay.com",
      "category": "crypto, gaming, high-risk, regional, traditional",
      "region": "europe, global, middle-east, north-america, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "移动支付",
        "虚拟终端(信用卡收款)",
        "订阅",
        "周期扣款",
        "多币种账户",
        "信用卡",
        "借记卡",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "CatalystPay 是一家加密货币支付服务商，覆盖全球，支持加密货币、移动支付、虚拟终端(信用卡收款)、订阅/周期扣款、多币种账户、信用卡/借记卡。公开费率：单笔从1%起 加 €0.30。结算：1–2个工作日。",
      "fee_note": "公开费率：单笔从1%起 加 €0.30",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://catalystpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "gaming",
        "global",
        "high-risk",
        "high-risk-accepted",
        "low-fees",
        "middle-east",
        "mobile-payments",
        "multi-currency",
        "north-america",
        "recurring-billing",
        "recurring-payments",
        "regional",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "加密货币",
        "周期扣款",
        "多币种账户",
        "移动支付",
        "虚拟终端(信用卡收款)",
        "订阅",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-niobi",
      "name": "Niobi",
      "aliases": [],
      "website_url": "https://niobi.co",
      "category": "crypto, gaming, regional, traditional",
      "region": "africa, global",
      "coverage": "贝宁 | 刚果(金) | 科特迪瓦 | 喀麦隆 | 加纳 | 肯尼亚 | 尼日利亚 | 卢旺达 | 塞内加尔 | 坦桑尼亚 | 乌干达 | 南非 | 赞比亚",
      "services": [
        "加密货币",
        "移动支付",
        "订阅",
        "周期扣款",
        "平台",
        "聚合收款",
        "多币种账户",
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Niobi 是一家加密货币支付服务商，覆盖贝宁、刚果(金)、科特迪瓦、喀麦隆、加纳、肯尼亚等，支持加密货币、移动支付、订阅/周期扣款、平台/聚合收款、多币种账户、即时出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://niobi.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "crypto",
        "crypto-support",
        "enterprise",
        "gaming",
        "global",
        "instant-payout",
        "low-fees",
        "marketplace-support",
        "mobile-payments",
        "multi-currency",
        "recurring-payments",
        "regional",
        "traditional",
        "乌干达",
        "出款",
        "刚果(金)",
        "加密货币",
        "加纳",
        "南非",
        "卢旺达",
        "即时出款",
        "周期扣款",
        "喀麦隆",
        "坦桑尼亚",
        "塞内加尔",
        "多币种账户",
        "尼日利亚",
        "平台",
        "科特迪瓦",
        "移动支付",
        "聚合收款",
        "肯尼亚",
        "订阅",
        "贝宁",
        "赞比亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-xsolla",
      "name": "Xsolla",
      "aliases": [],
      "website_url": "https://xsolla.com",
      "category": "gaming",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Xsolla 是一家游戏支付服务商，覆盖全球，支持加密货币、订阅/周期扣款。公开费率：5% single-price revenue share; no upfront cost。结算：需向服务商确认（公开信息：30 business days）。",
      "fee_note": "公开费率：5% single-price revenue share; no upfront cost",
      "settlement_note": "需向服务商确认（公开信息：30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://xsolla.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto-support",
        "enterprise",
        "europe",
        "gaming",
        "high-risk-accepted",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "recurring-payments",
        "southeast-asia",
        "virtual-items",
        "全球",
        "加密货币",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-malum-payments",
      "name": "Malum Payments",
      "aliases": [],
      "website_url": "https://malum.co",
      "category": "crypto, gaming, high-risk",
      "region": "africa, asia, europe, global, middle-east, north-america, oceania, south-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Malum Payments 是一家加密货币支付服务商，覆盖全球，支持加密货币、订阅/周期扣款、即时出款、信用卡/借记卡、跨境汇款/出款。公开费率：3% to 7%。结算：即时。",
      "fee_note": "公开费率：3% to 7%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://malum.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "gaming",
        "global",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "low-fees",
        "middle-east",
        "north-america",
        "oceania",
        "recurring-payments",
        "south-america",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "加密货币",
        "即时出款",
        "周期扣款",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paykings",
      "name": "PayKings",
      "aliases": [],
      "website_url": "https://paykings.com",
      "category": "gaming, high-risk, traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "移动支付",
        "虚拟终端(信用卡收款)",
        "订阅",
        "周期扣款",
        "平台",
        "聚合收款",
        "即时出款"
      ],
      "introduction": "PayKings 是一家游戏支付服务商，覆盖美国，支持移动支付、虚拟终端(信用卡收款)、订阅/周期扣款、平台/聚合收款、即时出款。公开费率：Interchange 加 0.8%–1.1% 加 $0.15。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Interchange 加 0.8%–1.1% 加 $0.15",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paykings.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "enterprise",
        "gaming",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "instant-sandbox",
        "marketplace-support",
        "mobile-payments",
        "north-america",
        "recurring-billing",
        "recurring-payments",
        "traditional",
        "即时出款",
        "周期扣款",
        "平台",
        "移动支付",
        "美国",
        "聚合收款",
        "虚拟终端(信用卡收款)",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-unzer",
      "name": "Unzer",
      "aliases": [],
      "website_url": "https://www.unzer.com/",
      "category": "payment gateway, acquiring, omnichannel payments",
      "region": "Europe",
      "coverage": "AT, BE, CH, DE, ES, FR, GB, IT, NL, PL",
      "services": [
        "cards",
        "wallets",
        "SEPA direct debit",
        "bank transfer",
        "pay later",
        "prepayment",
        "POS"
      ],
      "introduction": "德国及欧洲支付服务商，提供线上支付网关、收单、POS、对账和本地支付方式，适合希望在欧洲市场统一接入多种支付方式的商户。",
      "fee_note": "官网公开电商方案从 1.50% + EUR 0.20/笔起，月服务费从 EUR 19 起，设置费 EUR 149；大额商户可联系定制。",
      "settlement_note": "官网文档公开支持 payout/refund 等能力，但未找到统一公开结算周期；需按商户协议确认。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.unzer.com/en/contact/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "PSP",
        "acquiring",
        "active / raw import",
        "enterprise",
        "europe",
        "instant-sandbox",
        "recurring-payments",
        "regional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-zeno-bank",
      "name": "Zeno Bank",
      "aliases": [],
      "website_url": "https://zenobank.io",
      "category": "crypto, gaming, high-risk, regional",
      "region": "africa, asia, europe, global, middle-east, north-america, oceania, south-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款"
      ],
      "introduction": "Zeno Bank 是一家加密货币支付服务商，覆盖全球，支持加密货币、即时出款。公开费率：0.1%。结算：即时。",
      "fee_note": "公开费率：0.1%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zenobank.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "gaming",
        "global",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "low-fees",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "south-america",
        "startup-friendly",
        "全球",
        "加密货币",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-spayzio",
      "name": "SPAYZ.io",
      "aliases": [],
      "website_url": "https://spayz.io",
      "category": "crypto, gaming, high-risk, regional",
      "region": "africa, asia, europe, southeast-asia",
      "coverage": "阿联酋 | 孟加拉国 | 喀麦隆 | 埃及 | 欧盟 | 加纳 | 印度尼西亚 | 印度 | 日本 | 肯尼亚 | 韩国 | 蒙古 | 马来西亚 | 尼日利亚 | 菲律宾 | 巴基斯坦 | 新加坡 | 泰国 | 坦桑尼亚 | 乌干达 | 越南 | 南非",
      "services": [
        "加密货币",
        "即时出款",
        "银行转账",
        "电子钱包",
        "移动支付",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "SPAYZ.io 是一家加密货币支付服务商，覆盖阿联酋、孟加拉国、喀麦隆、埃及、欧盟、加纳等，支持加密货币、即时出款、银行转账、电子钱包、移动支付、二维码支付。公开费率：Contact for pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://spayz.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "gaming",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "乌干达",
        "二维码支付",
        "出款",
        "加密货币",
        "加纳",
        "南非",
        "印度",
        "印度尼西亚",
        "即时出款",
        "喀麦隆",
        "坦桑尼亚",
        "埃及",
        "孟加拉国",
        "尼日利亚",
        "巴基斯坦",
        "新加坡",
        "日本",
        "欧盟",
        "泰国",
        "电子钱包",
        "移动支付",
        "肯尼亚",
        "菲律宾",
        "蒙古",
        "越南",
        "跨境汇款",
        "银行转账",
        "阿联酋",
        "韩国",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bitpace",
      "name": "Bitpace",
      "aliases": [],
      "website_url": "https://bitpace.com",
      "category": "crypto, gaming, high-risk",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款",
        "电子钱包"
      ],
      "introduction": "Bitpace 是一家加密货币支付服务商，覆盖全球，支持加密货币、即时出款、电子钱包。公开费率：0.5-1%。结算：即时。",
      "fee_note": "公开费率：0.5-1%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bitpace.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "gaming",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "加密货币",
        "即时出款",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-finix",
      "name": "Finix",
      "aliases": [],
      "website_url": "https://finix.com",
      "category": "embedded payments, PayFac, platform payments",
      "region": "North America",
      "coverage": "United States, Canada",
      "services": [
        "card processing",
        "ACH",
        "instant payout",
        "merchant onboarding",
        "platform payments"
      ],
      "introduction": "Finix 是面向平台、市场和 PayFac 的嵌入式支付处理平台，支持卡、ACH、商户入驻、风控、分账和 payout。",
      "fee_note": "官网公开平台方案费率：美国卡 flat rate 2.75% + 0.30 USD，动态方案 interchange + card brand fees + 0.3% + 0.30 USD；ACH 0.75%，0.25 USD 最低、5 USD 封顶。",
      "settlement_note": "官网文档公开卡交易可 T+1 或 T+2，ACH Direct Debit 默认延迟 5 个工作日，payout 可 net/gross。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://finix.com/pricing/platforms",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "ACH",
        "North America",
        "active / raw import",
        "enterprise",
        "instant-payout",
        "instant-sandbox",
        "north-america",
        "platform payments",
        "recurring-payments",
        "startup-friendly",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-weedspayments",
      "name": "WeedsPayments",
      "aliases": [],
      "website_url": "https://weedspayments.com",
      "category": "high-risk, traditional",
      "region": "europe, global",
      "coverage": "全球",
      "services": [
        "移动支付",
        "多币种账户",
        "即时出款"
      ],
      "introduction": "WeedsPayments 是一家高风险行业支付服务商，覆盖全球，支持移动支付、多币种账户、即时出款。公开费率：1.9% 加 €0.30。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：1.9% 加 €0.30",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://weedspayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "europe",
        "global",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "mobile-payments",
        "multi-currency",
        "traditional",
        "全球",
        "即时出款",
        "多币种账户",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymentwall",
      "name": "Paymentwall",
      "aliases": [],
      "website_url": "https://paymentwall.com",
      "category": "gaming",
      "region": "africa, asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "游戏内支付"
      ],
      "introduction": "Paymentwall 是一家游戏支付服务商，覆盖全球，支持游戏内支付。公开费率：Transaction-based (volume discounts)。结算：需向服务商确认（公开信息：3–7 business days）。",
      "fee_note": "公开费率：Transaction-based (volume discounts)",
      "settlement_note": "需向服务商确认（公开信息：3–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymentwall.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "europe",
        "gaming",
        "latin-america",
        "north-america",
        "virtual-items",
        "全球",
        "游戏内支付"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pagbrasil",
      "name": "PagBrasil",
      "aliases": [],
      "website_url": "https://www.pagbrasil.com/",
      "category": "Brazil PSP, local payment methods",
      "region": "Latin America",
      "coverage": "BR",
      "services": [
        "Pix",
        "Boleto Flash",
        "credit card",
        "debit card",
        "Apple Pay",
        "Google Pay",
        "recurring payments"
      ],
      "introduction": "巴西本地支付服务商，面向电商提供 Pix、Boleto、银行卡、钱包和本地化风控能力，适合希望进入巴西市场的跨境和本地商户。",
      "fee_note": "官网支持入口未展示统一公开费率；需联系销售确认。",
      "settlement_note": "结算周期需按商户合同确认。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.pagbrasil.com/pt-br/suporte/?preferred_language=pt-br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "Boleto",
        "Brazil",
        "Pix",
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "recurring-billing",
        "recurring-payments",
        "regional",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-southpay",
      "name": "Southpay",
      "aliases": [],
      "website_url": "https://southpay.io",
      "category": "crypto, gaming, high-risk, traditional",
      "region": "global",
      "coverage": "全球",
      "services": [
        "加密货币",
        "平台",
        "聚合收款",
        "多币种账户",
        "即时出款"
      ],
      "introduction": "Southpay 是一家加密货币支付服务商，覆盖全球，支持加密货币、平台/聚合收款、多币种账户、即时出款。公开费率：1.99%。结算：即时。",
      "fee_note": "公开费率：1.99%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://southpay.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "gaming",
        "global",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "instant-sandbox",
        "low-fees",
        "marketplace-support",
        "multi-currency",
        "startup-friendly",
        "traditional",
        "全球",
        "加密货币",
        "即时出款",
        "多币种账户",
        "平台",
        "聚合收款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-assetpay",
      "name": "AssetPay",
      "aliases": [],
      "website_url": "https://assetpay.gg",
      "category": "gaming",
      "region": "global",
      "coverage": "全球",
      "services": [
        "加密货币",
        "平台",
        "聚合收款",
        "即时出款"
      ],
      "introduction": "AssetPay 是一家游戏支付服务商，覆盖全球，支持加密货币、平台/聚合收款、即时出款。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://assetpay.gg",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto-support",
        "enterprise",
        "gaming",
        "global",
        "instant-payout",
        "instant-sandbox",
        "marketplace-support",
        "startup-friendly",
        "virtual-items",
        "全球",
        "加密货币",
        "即时出款",
        "平台",
        "聚合收款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payalma",
      "name": "PayAlma",
      "aliases": [],
      "website_url": "https://payalma.com",
      "category": "crypto, gaming, high-risk, regional",
      "region": "asia, europe, global, latin-america, middle-east, north-america, south-america, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款",
        "多币种账户",
        "即时出款"
      ],
      "introduction": "PayAlma 是一家加密货币支付服务商，覆盖全球，支持加密货币、订阅/周期扣款、多币种账户、即时出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payalma.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "gaming",
        "global",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "latin-america",
        "middle-east",
        "multi-currency",
        "north-america",
        "recurring-billing",
        "recurring-payments",
        "regional",
        "south-america",
        "southeast-asia",
        "全球",
        "加密货币",
        "即时出款",
        "周期扣款",
        "多币种账户",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dinape-solutions-gmbh",
      "name": "Dinape Solutions GmbH",
      "aliases": [],
      "website_url": "https://dinape.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 德国",
      "services": [
        "平台",
        "聚合收款",
        "多币种账户"
      ],
      "introduction": "Dinape Solutions GmbH 是一家传统收单/支付服务商，覆盖奥地利、德国，支持平台/聚合收款、多币种账户。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dinape.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "marketplace-support",
        "multi-currency",
        "traditional",
        "多币种账户",
        "奥地利",
        "平台",
        "德国",
        "聚合收款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-swapper-finance",
      "name": "Swapper Finance",
      "aliases": [],
      "website_url": "https://swapper.finance",
      "category": "crypto, traditional",
      "region": "global",
      "coverage": "全球",
      "services": [
        "加密货币",
        "多币种账户",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Swapper Finance 是一家加密货币支付服务商，覆盖全球，支持加密货币、多币种账户、信用卡/借记卡、电子钱包。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://swapper.finance",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "global",
        "low-fees",
        "multi-currency",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "加密货币",
        "多币种账户",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cregis",
      "name": "Cregis",
      "aliases": [],
      "website_url": "https://cregis.com",
      "category": "crypto",
      "region": "global",
      "coverage": "全球",
      "services": [
        "加密货币",
        "移动支付",
        "订阅",
        "周期扣款",
        "平台",
        "聚合收款",
        "即时出款"
      ],
      "introduction": "Cregis 是一家加密货币支付服务商，覆盖全球，支持加密货币、移动支付、订阅/周期扣款、平台/聚合收款、即时出款。公开费率：Subscription/monthly。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Subscription/monthly",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cregis.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "enterprise",
        "global",
        "instant-payout",
        "low-fees",
        "marketplace-support",
        "mobile-payments",
        "recurring-payments",
        "startup-friendly",
        "全球",
        "加密货币",
        "即时出款",
        "周期扣款",
        "平台",
        "移动支付",
        "聚合收款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zen-payments",
      "name": "Zen Payments",
      "aliases": [],
      "website_url": "https://zenpayments.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Zen Payments 是一家高风险行业支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) risk-based pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) risk-based pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zenpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "recurring-payments",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zahls-ch",
      "name": "Zahls.ch",
      "aliases": [],
      "website_url": "https://zahls.ch",
      "category": "traditional",
      "region": "europe",
      "coverage": "瑞士",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Zahls.ch 是一家传统收单/支付服务商，覆盖瑞士，支持信用卡/借记卡。公开费率：2.2% 加 CHF 0.25 for standard processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.2% 加 CHF 0.25 for standard processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zahls.ch",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "瑞士"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-a-pay",
      "name": "A-Pay",
      "aliases": [],
      "website_url": "https://a-pay.one",
      "category": "high-risk, regional",
      "region": "africa, asia, europe, latin-america, middle-east, southeast-asia",
      "coverage": "阿根廷 | 孟加拉国 | 厄瓜多尔 | 埃及 | 埃塞俄比亚 | 印度 | 肯尼亚 | 柬埔寨 | 斯里兰卡 | 缅甸 | 尼泊尔 | 秘鲁 | 巴基斯坦",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "A-Pay 是一家高风险行业支付服务商，覆盖阿根廷、孟加拉国、厄瓜多尔、埃及、埃塞俄比亚、印度等，支持加密货币、订阅/周期扣款、信用卡/借记卡、银行转账、电子钱包。公开费率：Usage-based pricing, no setup fees, no monthly charges, no hidden costs. 定制(需询价) rates for high-volume businesses.。结算：1–2个工作日。",
      "fee_note": "公开费率：Usage-based pricing, no setup fees, no monthly charges, no hidden costs. 定制(需询价) rates for high-volume businesses.",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://a-pay.one",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto-support",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "instant-sandbox",
        "latin-america",
        "middle-east",
        "recurring-payments",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "加密货币",
        "印度",
        "厄瓜多尔",
        "周期扣款",
        "埃及",
        "埃塞俄比亚",
        "孟加拉国",
        "尼泊尔",
        "巴基斯坦",
        "斯里兰卡",
        "柬埔寨",
        "电子钱包",
        "秘鲁",
        "缅甸",
        "肯尼亚",
        "订阅",
        "银行转账",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-alipay",
      "name": "Alipay",
      "aliases": [],
      "website_url": "https://global.alipay.com",
      "category": "regional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "即时出款",
        "电子钱包",
        "移动支付",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Alipay 是一家区域型支付服务商，覆盖全球，支持即时出款、电子钱包、移动支付、二维码支付、跨境汇款/出款。公开费率：定制(需询价) per-wallet pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) per-wallet pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://global.alipay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "二维码支付",
        "全球",
        "出款",
        "即时出款",
        "电子钱包",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ant-international",
      "name": "Ant International",
      "aliases": [],
      "website_url": "https://antintl.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, middle-east, southeast-asia",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "电子钱包",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Ant International 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款、电子钱包、移动支付、跨境汇款/出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://antintl.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "instant-sandbox",
        "latin-america",
        "middle-east",
        "recurring-payments",
        "southeast-asia",
        "traditional",
        "全球",
        "出款",
        "周期扣款",
        "电子钱包",
        "移动支付",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-square",
      "name": "Square",
      "aliases": [],
      "website_url": "https://squareup.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "澳大利亚 | 西班牙 | 法国 | 英国 | 爱尔兰 | 日本 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "Square 是一家传统收单/支付服务商，覆盖澳大利亚、西班牙、法国、英国、爱尔兰、日本等，支持订阅/周期扣款、即时出款。公开费率：2.6% 加 $0.10 (in-person), 2.9% 加 $0.30 (online)。结算：1–2个工作日。",
      "fee_note": "公开费率：2.6% 加 $0.10 (in-person), 2.9% 加 $0.30 (online)",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://squareup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "instant-sandbox",
        "north-america",
        "oceania",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "即时出款",
        "周期扣款",
        "日本",
        "法国",
        "澳大利亚",
        "爱尔兰",
        "美国",
        "英国",
        "西班牙",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-alchemy-pay",
      "name": "Alchemy Pay",
      "aliases": [],
      "website_url": "https://alchemypay.org",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Alchemy Pay 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：定制(需询价) pricing; competitive on/off-ramp fees. ACH token holders receive fee discounts.。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing; competitive on/off-ramp fees. ACH token holders receive fee discounts.",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://alchemypay.org",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "low-fees",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fincra",
      "name": "Fincra",
      "aliases": [],
      "website_url": "https://fincra.com/",
      "category": "payment infrastructure, collections, payouts, FX",
      "region": "Africa, Europe",
      "coverage": "NG, GH, KE, ZA, UG, EG, TZ, GB, US, TR, IL, EU",
      "services": [
        "cards",
        "bank transfer",
        "virtual accounts",
        "mobile money",
        "payment links",
        "payouts",
        "FX"
      ],
      "introduction": "面向非洲及跨境业务的支付基础设施，支持收款、付款、虚拟账户、换汇和商户钱包，适合需要非洲本地收付和跨境资金流的商户。",
      "fee_note": "官网 FAQ 称有 pricing list，但公开页面未直接展示完整费率；需登录或联系确认。",
      "settlement_note": "官网条款公开：NGN/EUR/GBP/USD collections 为 instant settlement；换汇多为 same day；部分 USD payout 为 T+1。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://contact.fincra.com/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Africa",
        "FX",
        "active / raw import",
        "africa",
        "crypto-support",
        "europe",
        "instant-payout",
        "north-america",
        "payouts",
        "regional",
        "startup-friendly"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-paystrax",
      "name": "PAYSTRAX",
      "aliases": [],
      "website_url": "https://paystrax.com/",
      "category": "acquiring, payment gateway, POS",
      "region": "Europe",
      "coverage": "EU, EEA, GB",
      "services": [
        "Visa",
        "Mastercard",
        "Apple Pay",
        "Google Pay",
        "alternative payment methods",
        "POS",
        "online gateway"
      ],
      "introduction": "欧洲和英国持牌支付机构，提供线上支付网关、收单、多收单策略、POS 和风控服务。",
      "fee_note": "官网 FAQ 未公开标准价，候选数据为定制报价；需商户申请后确认。",
      "settlement_note": "官网 FAQ 明确商户结算按个别协议，可 daily 或 weekly。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paystrax.com/contact-us/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "acquiring",
        "active / due diligence",
        "enterprise",
        "europe",
        "gateway",
        "high-risk",
        "high-risk-accepted",
        "mobile-payments",
        "multi-currency",
        "recurring-payments",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-dlocal-go",
      "name": "dLocal Go",
      "aliases": [],
      "website_url": "https://dlocalgo.com",
      "category": "SMB cross-border payments, local payment methods",
      "region": "Latin America, North America",
      "coverage": "Argentina, Bolivia, Brazil, Chile, Colombia, Costa Rica, Ecuador, Guatemala, Mexico, Panama, Paraguay, Peru, Uruguay, United States",
      "services": [
        "card",
        "bank transfer",
        "cash",
        "local payment methods",
        "payment link",
        "subscription"
      ],
      "introduction": "dLocal Go 是面向中小商户的跨境支付平台，提供支付 API、支付链接、按钮和订阅能力，连接多国本地支付方式。",
      "fee_note": "官网帮助中心公开无固定费和维护费，按成功交易收取佣金；具体佣金依国家和支付方式而定。",
      "settlement_note": "条款公开 Available Amount 通常在交易后 14 天内可付款给商户，实际可能按商户评估调整。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dlocalgo.com/en/dlocal-go-customer-support-get-to-know-how-to-be-in-contact-with-us",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Latin America",
        "SMB",
        "active / raw import",
        "africa",
        "asia",
        "latin-america",
        "north-america",
        "payment links",
        "regional",
        "southeast-asia",
        "startup-friendly"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-braintree",
      "name": "Braintree",
      "aliases": [],
      "website_url": "https://braintreepayments.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Braintree 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款、即时出款、信用卡/借记卡、电子钱包。公开费率：2.9% 加 $0.30。结算：1–3个工作日。",
      "fee_note": "公开费率：2.9% 加 $0.30",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://braintreepayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "instant-sandbox",
        "north-america",
        "oceania",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "即时出款",
        "周期扣款",
        "电子钱包",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fis",
      "name": "FIS",
      "aliases": [],
      "website_url": "https://fisglobal.com",
      "category": "baas, traditional",
      "region": "asia, europe, latin-america, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "FIS 是一家银行即服务(BaaS)服务商，覆盖全球，支持银行即服务(BaaS)。公开费率：定制(需询价) enterprise pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fisglobal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "baas",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "全球",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-emerchantview",
      "name": "Emerchantview",
      "aliases": [],
      "website_url": "https://emerchantview.com",
      "category": "high-risk, traditional",
      "region": "africa, asia, europe, latin-america, north-america",
      "coverage": "阿联酋 | 奥地利 | 比利时 | 巴西 | 中国 | 德国 | 法国 | 英国 | 印度 | 意大利 | 荷兰 | 挪威 | 瑞典 | 新加坡 | 美国 | 南非",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Emerchantview 是一家高风险行业支付服务商，覆盖阿联酋、奥地利、比利时、巴西、中国、德国等，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://emerchantview.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "latin-america",
        "north-america",
        "recurring-payments",
        "traditional",
        "中国",
        "南非",
        "印度",
        "周期扣款",
        "奥地利",
        "巴西",
        "德国",
        "意大利",
        "挪威",
        "新加坡",
        "比利时",
        "法国",
        "瑞典",
        "美国",
        "英国",
        "荷兰",
        "订阅",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fastspring",
      "name": "FastSpring",
      "aliases": [],
      "website_url": "https://fastspring.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "FastSpring 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：8.9% 单笔 (includes all payment processing 加 tax handling)。结算：需向服务商确认（公开信息：30 business days）。",
      "fee_note": "公开费率：8.9% 单笔 (includes all payment processing 加 tax handling)",
      "settlement_note": "需向服务商确认（公开信息：30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fastspring.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "virtual-items",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-currenxie",
      "name": "Currenxie",
      "aliases": [],
      "website_url": "https://currenxie.com/",
      "category": "global account, local collection, payouts, FX",
      "region": "Asia Pacific, Global",
      "coverage": "AU, CA, CN, EU, GB, HK, ID, IN, JP, MX, MY, PH, SG, TH, US, VN, ZA",
      "services": [
        "multi-currency account",
        "virtual bank accounts",
        "local collection",
        "local payouts",
        "SWIFT",
        "FX",
        "Visa business card",
        "Platform API"
      ],
      "introduction": "Currenxie 是面向企业的多币种全球账户和跨境收付款平台，支持本地收款账户、本地付款、SWIFT、外汇和平台 API。",
      "fee_note": "官网公开 Global Account 免费，收本地款 USD 0.75/笔，本地付款 USD 3/笔，SWIFT 收发 USD 8/笔，FX 按币种阶梯约 0.10%-0.60%。",
      "settlement_note": "官网说明资金进入 Global Account 后可用；本地收款、付款和 SWIFT 到账依国家、币种和银行网络。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://currenxie.com/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "FX",
        "Global account",
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "local collection",
        "low-fees",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-griffin",
      "name": "Griffin",
      "aliases": [],
      "website_url": "https://griffin.com",
      "category": "baas, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "Griffin 是一家银行即服务(BaaS)服务商，覆盖英国，支持订阅/周期扣款、即时出款。公开费率：Pay-per-use pricing; no hidden fees. Scale as you grow.。结算：即时。",
      "fee_note": "公开费率：Pay-per-use pricing; no hidden fees. Scale as you grow.",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://griffin.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "instant-payout",
        "instant-sandbox",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "即时出款",
        "周期扣款",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bvnk",
      "name": "BVNK",
      "aliases": [],
      "website_url": "https://bvnk.com",
      "category": "crypto, high-risk",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "BVNK 是一家加密货币支付服务商，覆盖全球，支持加密货币、即时出款、信用卡/借记卡、银行转账。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bvnk.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "instant-sandbox",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "信用卡",
        "借记卡",
        "全球",
        "加密货币",
        "即时出款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-advcash",
      "name": "AdvCash (now Volet.com)",
      "aliases": [],
      "website_url": "https://advcash.com",
      "category": "crypto, high-risk",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "AdvCash (now Volet.com) 是一家加密货币支付服务商，覆盖全球，支持加密货币、即时出款、信用卡/借记卡、银行转账、电子钱包、现金/代金券。公开费率：0-1%。结算：视情况而定。",
      "fee_note": "公开费率：0-1%",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://advcash.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "latin-america",
        "low-fees",
        "middle-east",
        "north-america",
        "southeast-asia",
        "代金券",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "加密货币",
        "即时出款",
        "现金",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-durango",
      "name": "Durango Merchant Services",
      "aliases": [],
      "website_url": "https://durangomerchantservices.com",
      "category": "high-risk",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "加拿大 | 德国 | 英国 | 爱尔兰 | 巴拿马 | 波多黎各 | 美国",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Durango Merchant Services 是一家高风险行业支付服务商，覆盖加拿大、德国、英国、爱尔兰、巴拿马、波多黎各等，支持加密货币、订阅/周期扣款。公开费率：1.95%–4.95% 加 $0.15-$0.25, tiered or interchange-plus (negotiated)。结算：2–3个工作日。",
      "fee_note": "公开费率：1.95%–4.95% 加 $0.15-$0.25, tiered or interchange-plus (negotiated)",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://durangomerchantservices.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto-support",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "latin-america",
        "north-america",
        "recurring-payments",
        "加密货币",
        "加拿大",
        "周期扣款",
        "巴拿马",
        "德国",
        "波多黎各",
        "爱尔兰",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ingenico",
      "name": "Ingenico",
      "aliases": [],
      "website_url": "https://ingenico.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "POS收单"
      ],
      "introduction": "Ingenico 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款、POS收单。公开费率：Contact for pricing。结算：2–3个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ingenico.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "recurring-payments",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-crypto-com-pay",
      "name": "Crypto.com Pay",
      "aliases": [],
      "website_url": "https://crypto.com",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "Crypto.com Pay 是一家加密货币支付服务商，覆盖全球，支持加密货币、银行转账、电子钱包。公开费率：0% merchant transaction fee (payout fees apply)。结算：即时。",
      "fee_note": "公开费率：0% merchant transaction fee (payout fees apply)",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://crypto.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "north-america",
        "全球",
        "加密货币",
        "电子钱包",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-multisafepay",
      "name": "MultiSafepay",
      "aliases": [],
      "website_url": "https://www.multisafepay.com/",
      "category": "PSP, ecommerce payments, POS",
      "region": "Europe",
      "coverage": "NL, BE, IT, ES, Europe",
      "services": [
        "cards",
        "iDEAL",
        "Bancontact",
        "wallets",
        "bank transfer",
        "POS",
        "payment links"
      ],
      "introduction": "欧洲电商 PSP，提供在线支付、POS、支付链接、插件、API、风控与自动对账。",
      "fee_note": "官网称无启动费和月费，按成功交易收费；具体报价需提交表单获取。",
      "settlement_note": "官网 pricing 页公开 daily payouts。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.multisafepay.com/pricing/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "PSP",
        "active / raw import",
        "ecommerce",
        "europe",
        "low-fees",
        "recurring-payments",
        "startup-friendly",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-paysend",
      "name": "Paysend",
      "aliases": [],
      "website_url": "https://paysend.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Paysend 是一家传统收单/支付服务商，覆盖全球，支持即时出款、信用卡/借记卡、银行转账、电子钱包、跨境汇款/出款。公开费率：单笔从0.5%起 每transfer。结算：即时。",
      "fee_note": "公开费率：单笔从0.5%起 每transfer",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paysend.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "low-fees",
        "middle-east",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ping-payments",
      "name": "Ping Payments",
      "aliases": [],
      "website_url": "https://pingpayments.com",
      "category": "regional",
      "region": "europe",
      "coverage": "芬兰 | 挪威 | 瑞典",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "电子钱包",
        "先买后付(BNPL)",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Ping Payments 是一家区域型支付服务商，覆盖芬兰、挪威、瑞典，支持订阅/周期扣款、即时出款、电子钱包、先买后付(BNPL)、跨境汇款/出款。公开费率：1.49% 加 SEK 1.50。结算：即时。",
      "fee_note": "公开费率：1.49% 加 SEK 1.50",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pingpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "instant-sandbox",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "先买后付(BNPL)",
        "出款",
        "即时出款",
        "周期扣款",
        "挪威",
        "瑞典",
        "电子钱包",
        "芬兰",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moonpay",
      "name": "MoonPay",
      "aliases": [],
      "website_url": "https://moonpay.com",
      "category": "crypto",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "MoonPay 是一家加密货币支付服务商，覆盖全球，支持加密货币、信用卡/借记卡、银行转账、电子钱包。公开费率：4.5% card; 1% bank transfer。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：4.5% card; 1% bank transfer",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://moonpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "north-america",
        "信用卡",
        "借记卡",
        "全球",
        "加密货币",
        "电子钱包",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-convera",
      "name": "Convera",
      "aliases": [],
      "website_url": "https://convera.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "澳大利亚 | 加拿大 | 瑞士 | 捷克 | 西班牙 | 法国 | 英国 | 中国香港 | 意大利 | 卢森堡 | 马耳他 | 新西兰 | 波兰 | 新加坡 | 美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Convera 是一家传统收单/支付服务商，覆盖澳大利亚、加拿大、瑞士、捷克、西班牙、法国等，支持跨境汇款/出款。公开费率：FX margin-based 定制(需询价) pricing。结算：需向服务商确认（公开信息：3–4 business days）。",
      "fee_note": "公开费率：FX margin-based 定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：3–4 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://convera.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "low-fees",
        "north-america",
        "oceania",
        "traditional",
        "中国香港",
        "出款",
        "加拿大",
        "卢森堡",
        "意大利",
        "捷克",
        "新加坡",
        "新西兰",
        "法国",
        "波兰",
        "澳大利亚",
        "瑞士",
        "美国",
        "英国",
        "西班牙",
        "跨境汇款",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-emerchantbroker",
      "name": "eMerchantBroker",
      "aliases": [],
      "website_url": "https://emerchantbroker.com",
      "category": "high-risk",
      "region": "asia, europe, north-america, oceania",
      "coverage": "奥地利 | 澳大利亚 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 直布罗陀 | 希腊 | 中国香港 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 新加坡 | 斯洛文尼亚 | 斯洛伐克 | 美国",
      "services": [
        "加密货币",
        "银行转账"
      ],
      "introduction": "eMerchantBroker 是一家高风险行业支付服务商，覆盖奥地利、澳大利亚、比利时、保加利亚、塞浦路斯、捷克等，支持加密货币、银行转账。公开费率：单笔从3.00%起 单笔。结算：1–2个工作日。",
      "fee_note": "公开费率：单笔从3.00%起 单笔",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://emerchantbroker.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto-support",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "oceania",
        "中国香港",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "加密货币",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "新加坡",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "直布罗陀",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fresha",
      "name": "Fresha",
      "aliases": [],
      "website_url": "https://fresha.com",
      "category": "traditional",
      "region": "asia, europe, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "POS收单"
      ],
      "introduction": "Fresha 是一家传统收单/支付服务商，覆盖全球，支持POS收单。公开费率：No subscription fee, 2.19%+$0.20 per payment。结算：下一个工作日。",
      "fee_note": "公开费率：No subscription fee, 2.19%+$0.20 per payment",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fresha.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "europe",
        "low-fees",
        "middle-east",
        "north-america",
        "oceania",
        "startup-friendly",
        "traditional",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wechat-pay",
      "name": "WeChat Pay",
      "aliases": [],
      "website_url": "https://pay.weixin.qq.com",
      "category": "regional",
      "region": "asia, europe, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "即时出款",
        "电子钱包",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "WeChat Pay 是一家区域型支付服务商，覆盖全球，支持即时出款、电子钱包、移动支付、二维码支付。公开费率：单笔从0.6%起 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：单笔从0.6%起 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pay.weixin.qq.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "二维码支付",
        "全球",
        "即时出款",
        "电子钱包",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-aci-worldwide",
      "name": "ACI Worldwide",
      "aliases": [],
      "website_url": "https://aciworldwide.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "即时出款"
      ],
      "introduction": "ACI Worldwide 是一家传统收单/支付服务商，覆盖全球，支持即时出款。公开费率：Contact for pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://aciworldwide.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "全球",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-elavon",
      "name": "Elavon",
      "aliases": [],
      "website_url": "https://elavon.com",
      "category": "traditional",
      "region": "europe, latin-america, north-america",
      "coverage": "加拿大 | 欧盟 | 英国 | 墨西哥 | 波多黎各 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "移动支付"
      ],
      "introduction": "Elavon 是一家传统收单/支付服务商，覆盖加拿大、欧盟、英国、墨西哥、波多黎各、美国，支持订阅/周期扣款、即时出款、移动支付。公开费率：0.16% 加 $0.25 加 interchange。结算：1–2个工作日。",
      "fee_note": "公开费率：0.16% 加 $0.25 加 interchange",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://elavon.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "recurring-payments",
        "traditional",
        "加拿大",
        "即时出款",
        "周期扣款",
        "墨西哥",
        "欧盟",
        "波多黎各",
        "移动支付",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cryptoprocessing",
      "name": "CryptoProcessing",
      "aliases": [],
      "website_url": "https://cryptoprocessing.com",
      "category": "crypto, high-risk",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "CryptoProcessing 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：Up to 1.5% 单笔, volume-based discounts, no monthly or integration fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Up to 1.5% 单笔, volume-based discounts, no monthly or integration fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cryptoprocessing.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "latin-america",
        "low-fees",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hyperwallet",
      "name": "Hyperwallet",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Hyperwallet 是一家传统收单/支付服务商，覆盖全球，支持即时出款、信用卡/借记卡、银行转账、电子钱包、现金/代金券、跨境汇款/出款。公开费率：~1-2%。结算：即时。",
      "fee_note": "公开费率：~1-2%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "即时出款",
        "现金",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-grey-finance",
      "name": "Grey Finance",
      "aliases": [],
      "website_url": "https://grey.co",
      "category": "baas, regional",
      "region": "africa, asia, latin-america, southeast-asia",
      "coverage": "巴西 | 中国 | 埃及 | 加纳 | 印度尼西亚 | 印度 | 肯尼亚 | 摩洛哥 | 墨西哥 | 尼日利亚 | 菲律宾 | 坦桑尼亚 | 南非",
      "services": [
        "加密货币",
        "即时出款",
        "信用卡",
        "借记卡",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Grey Finance 是一家银行即服务(BaaS)服务商，覆盖巴西、中国、埃及、加纳、印度尼西亚、印度等，支持加密货币、即时出款、信用卡/借记卡、跨境汇款/出款。公开费率：Variable by payment method and corridor; FX charges apply。结算：1–2个工作日。",
      "fee_note": "公开费率：Variable by payment method and corridor; FX charges apply",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://grey.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "baas",
        "crypto-support",
        "instant-payout",
        "latin-america",
        "low-fees",
        "regional",
        "southeast-asia",
        "中国",
        "信用卡",
        "借记卡",
        "出款",
        "加密货币",
        "加纳",
        "南非",
        "印度",
        "印度尼西亚",
        "即时出款",
        "坦桑尼亚",
        "埃及",
        "墨西哥",
        "尼日利亚",
        "巴西",
        "摩洛哥",
        "肯尼亚",
        "菲律宾",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-flywire",
      "name": "Flywire",
      "aliases": [],
      "website_url": "https://flywire.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america, oceania",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Flywire 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：定制(需询价) pricing per vertical。结算：2–5个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing per vertical",
      "settlement_note": "2–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://flywire.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-aera",
      "name": "Aera Payment & Identification",
      "aliases": [],
      "website_url": "https://aera.id",
      "category": "baas, regional",
      "region": "europe",
      "coverage": "比利时 | 法国 | 卢森堡 | 荷兰 | 挪威 | 瑞典",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Aera Payment & Identification 是一家银行即服务(BaaS)服务商，覆盖比利时、法国、卢森堡、荷兰、挪威、瑞典，支持订阅/周期扣款。公开费率：定制(需询价) enterprise pricing; A2A claimed to cut costs by up to 75% vs cards. No public price list.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing; A2A claimed to cut costs by up to 75% vs cards. No public price list.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://aera.id",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "recurring-payments",
        "regional",
        "卢森堡",
        "周期扣款",
        "挪威",
        "比利时",
        "法国",
        "瑞典",
        "荷兰",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gopay-cz",
      "name": "GoPay CZ",
      "aliases": [],
      "website_url": "https://gopay.com",
      "category": "regional",
      "region": "europe",
      "coverage": "捷克 | 波兰 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "GoPay CZ 是一家区域型支付服务商，覆盖捷克、波兰、斯洛伐克，支持信用卡/借记卡、银行转账、电子钱包。公开费率：0.95% flat rate with no fixed per-transaction charges。结算：1–3个工作日。",
      "fee_note": "公开费率：0.95% flat rate with no fixed per-transaction charges",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gopay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "捷克",
        "斯洛伐克",
        "波兰",
        "电子钱包",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-aamarpay",
      "name": "AamarPay",
      "aliases": [],
      "website_url": "https://aamarpay.com",
      "category": "regional",
      "region": "asia",
      "coverage": "孟加拉国",
      "services": [
        "信用卡",
        "借记卡",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "AamarPay 是一家区域型支付服务商，覆盖孟加拉国，支持信用卡/借记卡、移动支付、二维码支付。公开费率：1.85%–2.75% 单笔 depending on plan and payment method。结算：2–3个工作日。",
      "fee_note": "公开费率：1.85%–2.75% 单笔 depending on plan and payment method",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://aamarpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "startup-friendly",
        "二维码支付",
        "信用卡",
        "借记卡",
        "孟加拉国",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-escrow-com",
      "name": "Escrow.com",
      "aliases": [],
      "website_url": "https://escrow.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "美国",
      "services": [
        "担保",
        "托管交易"
      ],
      "introduction": "Escrow.com 是一家传统收单/支付服务商，覆盖美国，支持担保/托管交易。公开费率：0.89%–3.25% 单笔。结算：1–3个工作日。",
      "fee_note": "公开费率：0.89%–3.25% 单笔",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://escrow.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "托管交易",
        "担保",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zettle",
      "name": "Zettle",
      "aliases": [],
      "website_url": "https://zettle.com",
      "category": "traditional",
      "region": "europe, latin-america",
      "coverage": "巴西 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 意大利 | 墨西哥 | 荷兰 | 挪威 | 瑞典 | 美国",
      "services": [
        "电子钱包",
        "POS收单"
      ],
      "introduction": "Zettle 是一家传统收单/支付服务商，覆盖巴西、德国、西班牙、芬兰、法国、英国等，支持电子钱包、POS收单。公开费率：1.75% 单笔 (EU)。结算：1–2个工作日。",
      "fee_note": "公开费率：1.75% 单笔 (EU)",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zettle.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "latin-america",
        "low-fees",
        "startup-friendly",
        "traditional",
        "墨西哥",
        "巴西",
        "德国",
        "意大利",
        "挪威",
        "法国",
        "瑞典",
        "电子钱包",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-evo-payments",
      "name": "EVO Payments",
      "aliases": [],
      "website_url": "https://evopayments.com",
      "category": "traditional",
      "region": "europe, latin-america, north-america",
      "coverage": "加拿大 | 捷克 | 德国 | 西班牙 | 英国 | 匈牙利 | 爱尔兰 | 墨西哥 | 波兰 | 罗马尼亚 | 斯洛伐克 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "EVO Payments 是一家传统收单/支付服务商，覆盖加拿大、捷克、德国、西班牙、英国、匈牙利等，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://evopayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "匈牙利",
        "墨西哥",
        "德国",
        "捷克",
        "斯洛伐克",
        "波兰",
        "爱尔兰",
        "罗马尼亚",
        "美国",
        "英国",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fireblocks",
      "name": "Fireblocks",
      "aliases": [],
      "website_url": "https://fireblocks.com",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Fireblocks 是一家加密货币支付服务商，覆盖全球，支持加密货币、跨境汇款/出款。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fireblocks.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "north-america",
        "全球",
        "出款",
        "加密货币",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-coinremitter",
      "name": "CoinRemitter",
      "aliases": [],
      "website_url": "https://coinremitter.com",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "加密货币",
        "电子钱包"
      ],
      "introduction": "CoinRemitter 是一家加密货币支付服务商，覆盖全球，支持加密货币、电子钱包。公开费率：0.23%。结算：即时。",
      "fee_note": "公开费率：0.23%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://coinremitter.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "low-fees",
        "middle-east",
        "north-america",
        "oceania",
        "全球",
        "加密货币",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-coupa-pay",
      "name": "Coupa Pay",
      "aliases": [],
      "website_url": "https://coupa.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Coupa Pay 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款、信用卡/借记卡、银行转账、电子钱包、跨境汇款/出款。公开费率：定制(需询价) enterprise pricing; included as an add-on to the Coupa BSM platform。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing; included as an add-on to the Coupa BSM platform",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://coupa.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "周期扣款",
        "电子钱包",
        "订阅",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-deel",
      "name": "Deel",
      "aliases": [],
      "website_url": "https://deel.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, north-america, oceania",
      "coverage": "全球",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Deel 是一家传统收单/支付服务商，覆盖全球，支持加密货币、跨境汇款/出款。公开费率：From $49/contractor/month。结算：需向服务商确认（公开信息：1–5 business days）。",
      "fee_note": "公开费率：From $49/contractor/month",
      "settlement_note": "需向服务商确认（公开信息：1–5 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://deel.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "crypto-support",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "oceania",
        "traditional",
        "全球",
        "出款",
        "加密货币",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-clearbank",
      "name": "ClearBank",
      "aliases": [],
      "website_url": "https://clear.bank",
      "category": "baas",
      "region": "europe",
      "coverage": "欧盟 | 英国 | 荷兰",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "ClearBank 是一家银行即服务(BaaS)服务商，覆盖欧盟、英国、荷兰，支持加密货币、订阅/周期扣款、即时出款。公开费率：Contact for pricing。结算：即时。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://clear.bank",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "crypto-support",
        "enterprise",
        "europe",
        "instant-payout",
        "recurring-payments",
        "加密货币",
        "即时出款",
        "周期扣款",
        "欧盟",
        "英国",
        "荷兰",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-coda-shop",
      "name": "Codashop",
      "aliases": [],
      "website_url": "https://codashop.com",
      "category": "gaming",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "阿联酋 | 阿根廷 | 奥地利 | 澳大利亚 | 孟加拉国 | 比利时 | 巴林 | 玻利维亚 | 巴西 | 加拿大 | 瑞士 | 智利 | 哥伦比亚 | 捷克 | 德国 | 厄瓜多尔 | 埃及 | 西班牙 | 法国 | 英国 | 中国香港 | 匈牙利 | 印度尼西亚 | 印度 | 伊拉克 | 意大利 | 日本 | 肯尼亚 | 柬埔寨 | 韩国 | 科威特 | 哈萨克斯坦 | 老挝 | 斯里兰卡 | 摩洛哥 | 缅甸 | 蒙古 | 墨西哥 | 马来西亚 | 尼日利亚 | 荷兰 | 挪威 | 尼泊尔 | 新西兰 | 秘鲁 | 菲律宾 | 巴基斯坦 | 波兰 | 葡萄牙 | 巴拉圭 | 卡塔尔 | 罗马尼亚 | 沙特阿拉伯 | 瑞典 | 新加坡 | 泰国 | 土耳其 | 中国台湾 | 美国 | 乌拉圭 | 越南 | 南非",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Codashop 是一家游戏支付服务商，覆盖阿联酋、阿根廷、奥地利、澳大利亚、孟加拉国、比利时等，支持订阅/周期扣款。公开费率：视情况而定 by game, region and payment method。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：视情况而定 by game, region and payment method",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://codashop.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "europe",
        "gaming",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "virtual-items",
        "中国台湾",
        "中国香港",
        "乌拉圭",
        "伊拉克",
        "加拿大",
        "匈牙利",
        "南非",
        "卡塔尔",
        "印度",
        "印度尼西亚",
        "厄瓜多尔",
        "周期扣款",
        "哈萨克斯坦",
        "哥伦比亚",
        "土耳其",
        "埃及",
        "墨西哥",
        "奥地利",
        "孟加拉国",
        "尼日利亚",
        "尼泊尔",
        "巴基斯坦",
        "巴拉圭",
        "巴林",
        "巴西",
        "德国",
        "意大利",
        "挪威",
        "捷克",
        "摩洛哥",
        "斯里兰卡",
        "新加坡",
        "新西兰",
        "日本",
        "智利",
        "柬埔寨",
        "比利时",
        "沙特阿拉伯",
        "法国",
        "波兰",
        "泰国",
        "澳大利亚",
        "玻利维亚",
        "瑞典",
        "瑞士",
        "科威特",
        "秘鲁",
        "缅甸",
        "罗马尼亚",
        "美国",
        "老挝",
        "肯尼亚",
        "英国",
        "荷兰",
        "菲律宾",
        "葡萄牙",
        "蒙古",
        "西班牙",
        "订阅",
        "越南",
        "阿根廷",
        "阿联酋",
        "韩国",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-coinspaid",
      "name": "CoinsPaid",
      "aliases": [],
      "website_url": "https://coinspaid.com",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "CoinsPaid 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：0.8-1.5% for cryptocurrency transactions。结算：即时。",
      "fee_note": "公开费率：0.8-1.5% for cryptocurrency transactions",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://coinspaid.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-volt",
      "name": "Volt",
      "aliases": [],
      "website_url": "https://volt.io",
      "category": "traditional",
      "region": "europe, latin-america, oceania",
      "coverage": "全球",
      "services": [
        "即时出款"
      ],
      "introduction": "Volt 是一家传统收单/支付服务商，覆盖全球，支持即时出款。公开费率：Per-transaction pricing。结算：即时。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://volt.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "instant-payout",
        "instant-sandbox",
        "latin-america",
        "low-fees",
        "oceania",
        "traditional",
        "全球",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payoneer",
      "name": "Payoneer",
      "aliases": [],
      "website_url": "https://payoneer.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Payoneer 是一家传统收单/支付服务商，覆盖全球，支持即时出款、跨境汇款/出款。公开费率：单笔从3%起 单笔。结算：需向服务商确认（公开信息：2–7 business days）。",
      "fee_note": "公开费率：单笔从3%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：2–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payoneer.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "startup-friendly",
        "traditional",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-shift4",
      "name": "Shift4",
      "aliases": [],
      "website_url": "https://shift4.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "欧盟 | 美国",
      "services": [
        "即时出款",
        "POS收单"
      ],
      "introduction": "Shift4 是一家传统收单/支付服务商，覆盖欧盟、美国，支持即时出款、POS收单。公开费率：0.05% 加 $0.03 above interchange。结算：1–2个工作日。",
      "fee_note": "公开费率：0.05% 加 $0.03 above interchange",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://shift4.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "instant-payout",
        "north-america",
        "startup-friendly",
        "traditional",
        "即时出款",
        "欧盟",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-boost",
      "name": "Boost",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "asia, southeast-asia",
      "coverage": "马来西亚",
      "services": [
        "电子钱包",
        "移动支付",
        "先买后付(BNPL)"
      ],
      "introduction": "Boost 是一家区域型支付服务商，覆盖马来西亚，支持电子钱包、移动支付、先买后付(BNPL)。公开费率：MDR: QR 1.0%, local credit card 1.3%, local debit card 0.8%, foreign card 3.0%。结算：1–2个工作日。",
      "fee_note": "公开费率：MDR: QR 1.0%, local credit card 1.3%, local debit card 0.8%, foreign card 3.0%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "先买后付(BNPL)",
        "电子钱包",
        "移动支付",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moneris",
      "name": "Moneris",
      "aliases": [],
      "website_url": "https://www.moneris.com",
      "category": "Canada acquiring, POS, online payments",
      "region": "North America",
      "coverage": "Canada",
      "services": [
        "card present",
        "card not present",
        "Interac",
        "online payments",
        "POS",
        "fraud tools"
      ],
      "introduction": "Moneris 是加拿大商户收单和支付处理商，提供线下 POS、线上支付、Interac、卡组织受理和反欺诈工具。",
      "fee_note": "官网公开 Flat Rate：card-present 2.65% + 0.10 CAD，card-not-present 2.85% + 0.30 CAD；Interac debit 线下 0.12 CAD、线上 1.00 CAD。",
      "settlement_note": "官网公开与 BMO/RBC 合作提供 next-day payday，可次日看到资金入账；具体需符合账户条件。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.moneris.com/en/pricing",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Canada",
        "Interac",
        "POS",
        "active / raw import",
        "enterprise",
        "low-fees",
        "north-america",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-stax",
      "name": "Stax",
      "aliases": [],
      "website_url": "https://staxpayments.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账"
      ],
      "introduction": "Stax 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、银行转账。公开费率：Interchange 加 flat monthly fee。结算：1–2个工作日。",
      "fee_note": "公开费率：Interchange 加 flat monthly fee",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://staxpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "low-fees",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nets-easy",
      "name": "Nets Easy",
      "aliases": [],
      "website_url": "https://nets.eu",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 瑞士 | 德国 | 欧盟 | 芬兰 | 挪威 | 瑞典",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Nets Easy 是一家传统收单/支付服务商，覆盖奥地利、瑞士、德国、欧盟、芬兰、挪威等，支持信用卡/借记卡。公开费率：Contact for pricing。结算：2–3个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nets.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "奥地利",
        "德国",
        "挪威",
        "欧盟",
        "瑞典",
        "瑞士",
        "芬兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-astropay",
      "name": "AstroPay",
      "aliases": [],
      "website_url": "https://astropay.com",
      "category": "regional",
      "region": "africa, asia, europe, latin-america, middle-east, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "AstroPay 是一家区域型支付服务商，覆盖全球，支持即时出款、信用卡/借记卡、电子钱包。公开费率：Interchange fees 加 markup。结算：1–3个工作日。",
      "fee_note": "公开费率：Interchange fees 加 markup",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://astropay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "instant-payout",
        "latin-america",
        "middle-east",
        "oceania",
        "regional",
        "southeast-asia",
        "信用卡",
        "借记卡",
        "全球",
        "即时出款",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-network-international",
      "name": "Network International",
      "aliases": [],
      "website_url": "https://www.network.ae/",
      "category": "merchant acquiring, gateway, processing",
      "region": "Middle East, Africa",
      "coverage": "AE, JO, SA, EG, KE, NG, ZA, MA, GH, TZ, UG, RW, CI, CD, ZM, TG, SN, NA, MW, BW",
      "services": [
        "cards",
        "digital wallets",
        "alternative payment methods",
        "payment links",
        "online gateway",
        "POS",
        "processing"
      ],
      "introduction": "中东和非洲大型数字支付服务商，提供商户收单、在线支付网关、POS、发卡处理和增值服务。",
      "fee_note": "官网未公开标准商户费率；需联系销售或按商户协议报价。",
      "settlement_note": "官网公开说明处理/收单业务包含 reconciliation 和 settlement；具体商户结算周期未公开统一标准。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.network.ae/en/contact-us",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Africa",
        "Middle East",
        "acquiring",
        "active / raw import",
        "africa",
        "enterprise",
        "middle-east",
        "regional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-myfatoorah",
      "name": "MyFatoorah",
      "aliases": [],
      "website_url": "https://www.myfatoorah.com/",
      "category": "payment gateway, payment links, invoices",
      "region": "Middle East, Africa",
      "coverage": "KW, SA, BH, AE, QA, EG, OM, JO",
      "services": [
        "cards",
        "KNET",
        "MADA",
        "Benefit",
        "Benefit Pay",
        "Apple Pay",
        "Google Pay",
        "STC Pay",
        "Fawry",
        "Meeza",
        "payment links"
      ],
      "introduction": "GCC 及埃及、约旦市场支付网关，提供嵌入式支付、托管收银台、发票和支付链接。",
      "fee_note": "未找到官网统一公开价目表；API InitiatePayment 会按商户配置返回 ServiceCharge。",
      "settlement_note": "公开文档说明需注册并由客户经理/销售激活国家和账户；具体结算按账户协议确认。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://docs.myfatoorah.com/docs/live-account",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Middle East",
        "active / raw import",
        "gateway",
        "middle-east",
        "payment links",
        "recurring-payments",
        "regional",
        "startup-friendly"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-b2binpay",
      "name": "B2BINPAY",
      "aliases": [],
      "website_url": "https://b2binpay.com",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "B2BINPAY 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：0.25%–0.5% incoming; no recurring fees。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：0.25%–0.5% incoming; no recurring fees",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://b2binpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "instant-sandbox",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nexi",
      "name": "Nexi",
      "aliases": [],
      "website_url": "https://nexigroup.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 瑞士 | 捷克 | 德国 | 芬兰 | 希腊 | 克罗地亚 | 意大利 | 挪威 | 波兰 | 罗马尼亚 | 瑞典",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Nexi 是一家传统收单/支付服务商，覆盖奥地利、瑞士、捷克、德国、芬兰、希腊等，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nexigroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "挪威",
        "捷克",
        "波兰",
        "瑞典",
        "瑞士",
        "罗马尼亚",
        "芬兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-shopify-payments",
      "name": "Shopify Payments",
      "aliases": [],
      "website_url": "https://shopify.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Shopify Payments 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：2.4%–2.9% 加 $0.30 单笔。结算：1–3个工作日。",
      "fee_note": "公开费率：2.4%–2.9% 加 $0.30 单笔",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://shopify.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-utrust",
      "name": "Utrust",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "欧盟",
      "services": [
        "加密货币",
        "即时出款",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Utrust 是一家加密货币支付服务商，覆盖欧盟，支持加密货币、即时出款、订阅/周期扣款。公开费率：1%。结算：即时。",
      "fee_note": "公开费率：1%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "instant-payout",
        "low-fees",
        "north-america",
        "加密货币",
        "即时出款",
        "周期扣款",
        "欧盟",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vitesse-psp",
      "name": "Vitesse",
      "aliases": [],
      "website_url": "https://vitesse.io",
      "category": "regional, traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 奥地利 | 澳大利亚 | 比利时 | 巴西 | 加拿大 | 瑞士 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 中国香港 | 爱尔兰 | 印度 | 意大利 | 日本 | 卢森堡 | 墨西哥 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 瑞典 | 新加坡 | 美国 | 南非",
      "services": [
        "银行转账",
        "电子钱包",
        "捐赠",
        "募捐"
      ],
      "introduction": "Vitesse 是一家区域型支付服务商，覆盖阿联酋、奥地利、澳大利亚、比利时、巴西、加拿大等，支持银行转账、电子钱包、捐赠/募捐。公开费率：定制(需询价) B2B pricing; not publicly listed. Pricing tied to volume, payment rail mix and insurance-program structure — quoted on engagement.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) B2B pricing; not publicly listed. Pricing tied to volume, payment rail mix and insurance-program structure — quoted on engagement.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vitesse.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "traditional",
        "中国香港",
        "加拿大",
        "募捐",
        "南非",
        "卢森堡",
        "印度",
        "墨西哥",
        "奥地利",
        "巴西",
        "德国",
        "意大利",
        "挪威",
        "捐赠",
        "新加坡",
        "日本",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "瑞典",
        "瑞士",
        "电子钱包",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-boku",
      "name": "Boku",
      "aliases": [],
      "website_url": "https://boku.com",
      "category": "regional",
      "region": "africa, asia, europe, latin-america, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "电子钱包",
        "移动支付"
      ],
      "introduction": "Boku 是一家区域型支付服务商，覆盖全球，支持电子钱包、移动支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://boku.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "全球",
        "电子钱包",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-btcpay",
      "name": "BTCPay Server",
      "aliases": [],
      "website_url": "https://btcpayserver.org",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, north-america, oceania",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "BTCPay Server 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：0% fees (self-hosted software)。结算：即时。",
      "fee_note": "公开费率：0% fees (self-hosted software)",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://btcpayserver.org",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "low-fees",
        "north-america",
        "oceania",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-coins-ph",
      "name": "Coins.ph",
      "aliases": [],
      "website_url": "https://coins.ph",
      "category": "crypto, regional",
      "region": "southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "加密货币",
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Coins.ph 是一家加密货币支付服务商，覆盖菲律宾，支持加密货币、即时出款、电子钱包、跨境汇款/出款。公开费率：Variable per service。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Variable per service",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://coins.ph",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "high-risk-accepted",
        "instant-payout",
        "regional",
        "southeast-asia",
        "出款",
        "加密货币",
        "即时出款",
        "电子钱包",
        "菲律宾",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dpo-group",
      "name": "DPO Group",
      "aliases": [],
      "website_url": "https://dpogroup.com",
      "category": "regional",
      "region": "africa, middle-east",
      "coverage": "布基纳法索 | 贝宁 | 博茨瓦纳 | 科特迪瓦 | 喀麦隆 | 加纳 | 肯尼亚 | 马里 | 毛里求斯 | 马拉维 | 尼日尔 | 尼日利亚 | 卢旺达 | 塞内加尔 | 多哥 | 坦桑尼亚 | 乌干达 | 南非 | 赞比亚 | 津巴布韦",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付"
      ],
      "introduction": "DPO Group 是一家区域型支付服务商，覆盖布基纳法索、贝宁、博茨瓦纳、科特迪瓦、喀麦隆、加纳等，支持信用卡/借记卡、银行转账、移动支付。公开费率：2-3%。结算：需向服务商确认（公开信息：3–7 business days）。",
      "fee_note": "公开费率：2-3%",
      "settlement_note": "需向服务商确认（公开信息：3–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dpogroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "middle-east",
        "regional",
        "乌干达",
        "信用卡",
        "借记卡",
        "加纳",
        "南非",
        "博茨瓦纳",
        "卢旺达",
        "喀麦隆",
        "坦桑尼亚",
        "塞内加尔",
        "多哥",
        "尼日利亚",
        "尼日尔",
        "布基纳法索",
        "毛里求斯",
        "津巴布韦",
        "科特迪瓦",
        "移动支付",
        "肯尼亚",
        "贝宁",
        "赞比亚",
        "银行转账",
        "马拉维",
        "马里"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-verifone",
      "name": "Verifone",
      "aliases": [],
      "website_url": "https://verifone.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america, oceania",
      "coverage": "全球",
      "services": [
        "POS收单"
      ],
      "introduction": "Verifone 是一家传统收单/支付服务商，覆盖全球，支持POS收单。公开费率：Contact for pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://verifone.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "oceania",
        "traditional",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vnpay",
      "name": "VNPay",
      "aliases": [],
      "website_url": "https://vnpay.vn",
      "category": "regional",
      "region": "asia, southeast-asia",
      "coverage": "越南",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "VNPay 是一家区域型支付服务商，覆盖越南，支持即时出款、二维码支付。公开费率：Per-transaction fees。结算：1–3个工作日。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vnpay.vn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "二维码支付",
        "即时出款",
        "越南"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-transak",
      "name": "Transak",
      "aliases": [],
      "website_url": "https://transak.com",
      "category": "crypto",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "电子钱包"
      ],
      "introduction": "Transak 是一家加密货币支付服务商，覆盖全球，支持加密货币、电子钱包。公开费率：0.99-5.5%。结算：即时。",
      "fee_note": "公开费率：0.99-5.5%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://transak.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "north-america",
        "全球",
        "加密货币",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-computop",
      "name": "Computop",
      "aliases": [],
      "website_url": "https://computop.com/",
      "category": "payment gateway, omnichannel payments",
      "region": "Europe, North America",
      "coverage": "DE, EU, GB, US",
      "services": [
        "cards",
        "wallets",
        "bank transfer",
        "BNPL",
        "local payment methods",
        "POS",
        "hosted payment page",
        "direct integration"
      ],
      "introduction": "德国支付服务商，Computop Paygate 提供电商、移动和 POS 的全渠道支付网关与全球本地支付方式接入。",
      "fee_note": "官网未公开标准费率；需联系销售报价。",
      "settlement_note": "作为支付网关，公开文档侧重交易处理；资金结算通常取决于连接的收单机构或支付方式，未找到统一公开周期。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://computop.com/us/support",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "Europe",
        "North America",
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "gateway",
        "north-america",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-altapay",
      "name": "AltaPay",
      "aliases": [],
      "website_url": "https://www.altapay.com/",
      "category": "payment gateway, payment orchestration",
      "region": "Europe",
      "coverage": "DE, DK, FI, NL, NO, SE",
      "services": [
        "cards",
        "MobilePay",
        "Vipps",
        "Klarna",
        "Swish",
        "Trustly",
        "SEPA",
        "iDEAL",
        "Bancontact",
        "PayPal"
      ],
      "introduction": "欧洲支付网关和编排服务商，主打单一集成接入多种本地支付方式和灵活结算。",
      "fee_note": "官网公开 Standard：EU 借/信用卡 1%，EU corporate 2.75%，国际卡 3.5% + EUR 0.01，并另有 EUR 0.10/笔、EUR 15/月；大商户定制。",
      "settlement_note": "官网公开 flexible payouts，可选择结算时间和币种；具体周期需协议确认。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.altapay.com/pricing",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "active / raw import",
        "enterprise",
        "europe",
        "gateway",
        "instant-sandbox",
        "orchestration",
        "recurring-payments",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-eway",
      "name": "Eway",
      "aliases": [],
      "website_url": "https://eway.com.au",
      "category": "traditional",
      "region": "asia, oceania",
      "coverage": "澳大利亚 | 中国香港 | 中国澳门 | 新西兰 | 新加坡",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Eway 是一家传统收单/支付服务商，覆盖澳大利亚、中国香港、中国澳门、新西兰、新加坡，支持信用卡/借记卡。公开费率：1.5% 加 AU$0.25 单笔 (domestic cards)。结算：2–3个工作日。",
      "fee_note": "公开费率：1.5% 加 AU$0.25 单笔 (domestic cards)",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://eway.com.au",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "oceania",
        "startup-friendly",
        "traditional",
        "中国澳门",
        "中国香港",
        "信用卡",
        "借记卡",
        "新加坡",
        "新西兰",
        "澳大利亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vipps",
      "name": "Vipps MobilePay",
      "aliases": [],
      "website_url": "https://vippsmobilepay.com/",
      "category": "mobile wallet, merchant payments",
      "region": "Europe",
      "coverage": "DK, FI, NO, SE",
      "services": [
        "mobile wallet",
        "ePayment API",
        "recurring payments",
        "payment links",
        "in-person payments",
        "Shopify plugin"
      ],
      "introduction": "北欧移动钱包和商户支付方案，覆盖挪威、丹麦、芬兰、瑞典用户和商户，支持线上、线下、API 和支付链接。",
      "fee_note": "官网公开标准商户价：挪威支付链接 2.49% + NOK 1，API/recurring 2.99% + NOK 1；丹麦 integrated payment 0.59% + DKK 1，2027-01-01 起变为 0.89% + DKK 1。",
      "settlement_note": "开发文档公开支持 daily/weekly/monthly；Vipps daily 通常 Day 3 打款，MobilePay daily 通常 Day 2 打款，银行入账可能顺延。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://portal.vippsmobilepay.com/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Nordics",
        "active / raw import",
        "europe",
        "instant-payout",
        "merchant payments",
        "regional",
        "startup-friendly",
        "wallet"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-crezco",
      "name": "Crezco",
      "aliases": [],
      "website_url": "https://crezco.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 法国 | 英国 | 爱尔兰 | 意大利 | 荷兰",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Crezco 是一家传统收单/支付服务商，覆盖德国、西班牙、法国、英国、爱尔兰、意大利等，支持订阅/周期扣款、即时出款、银行转账、跨境汇款/出款。公开费率：Subscription plans from £10/month (Collect Plus), £20/month (Send Plus), £27/month (Premium); international payments 单笔从0.35%起。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：Subscription plans from £10/month (Collect Plus), £20/month (Send Plus), £27/month (Premium); international payments 单笔从0.35%起",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://crezco.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "出款",
        "即时出款",
        "周期扣款",
        "德国",
        "意大利",
        "法国",
        "爱尔兰",
        "英国",
        "荷兰",
        "西班牙",
        "订阅",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payfort",
      "name": "Payfort",
      "aliases": [],
      "website_url": "https://paymentservices.amazon.com",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋 | 巴林 | 埃及 | 约旦 | 科威特 | 黎巴嫩 | 阿曼 | 卡塔尔 | 沙特阿拉伯",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Payfort 是一家区域型支付服务商，覆盖阿联酋、巴林、埃及、约旦、科威特、黎巴嫩等，支持先买后付(BNPL)。公开费率：2.65% 加 AED 1。结算：2–3个工作日。",
      "fee_note": "公开费率：2.65% 加 AED 1",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymentservices.amazon.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "middle-east",
        "regional",
        "startup-friendly",
        "先买后付(BNPL)",
        "卡塔尔",
        "埃及",
        "巴林",
        "沙特阿拉伯",
        "科威特",
        "约旦",
        "阿曼",
        "阿联酋",
        "黎巴嫩"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-banxa",
      "name": "Banxa",
      "aliases": [],
      "website_url": "https://banxa.com",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Banxa 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：单笔从1.5%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从1.5%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://banxa.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "instant-sandbox",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-buckaroo",
      "name": "Buckaroo",
      "aliases": [],
      "website_url": "https://www.buckaroo.eu/",
      "category": "PSP, online payments, POS",
      "region": "Europe",
      "coverage": "NL, BE, DE, EU",
      "services": [
        "iDEAL",
        "cards",
        "Bancontact",
        "Apple Pay",
        "Trustly",
        "PayPal",
        "bank transfer",
        "POS"
      ],
      "introduction": "荷兰支付服务商，提供线上和线下收款、40+ 支付方式、订阅/发票、对账和商户后台。",
      "fee_note": "官网公开部分费率：iDEAL by Wero bundles 从 EUR 0.20/笔；在线费率按支付方式；线下卡费率和月包公开。",
      "settlement_note": "官网 pricing 页公开卡交易额每个工作日约 10:00 转账，且 per-item payout 可加 EUR 0.02。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.buckaroo.eu/pricing",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "PSP",
        "active / raw import",
        "europe",
        "iDEAL",
        "startup-friendly",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-profee",
      "name": "Profee",
      "aliases": [],
      "website_url": "https://profee.com",
      "category": "regional, traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "安道尔 | 阿联酋 | 阿尔巴尼亚 | 亚美尼亚 | 奥地利 | 澳大利亚 | 阿塞拜疆 | 波黑 | 孟加拉国 | 比利时 | 保加利亚 | 巴林 | 巴西 | 博茨瓦纳 | 加拿大 | 瑞士 | 智利 | 中国 | 哥伦比亚 | 哥斯达黎加 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 埃及 | 西班牙 | 芬兰 | 法国 | 英国 | 格鲁吉亚 | 加纳 | 希腊 | 危地马拉 | 中国香港 | 克罗地亚 | 匈牙利 | 印度尼西亚 | 爱尔兰 | 以色列 | 印度 | 冰岛 | 意大利 | 约旦 | 肯尼亚 | 吉尔吉斯斯坦 | 韩国 | 科威特 | 哈萨克斯坦 | 列支敦士登 | 斯里兰卡 | 立陶宛 | 卢森堡 | 拉脱维亚 | 摩尔多瓦 | 黑山 | 北马其顿 | 马耳他 | 墨西哥 | 马来西亚 | 纳米比亚 | 尼日利亚 | 荷兰 | 挪威 | 尼泊尔 | 新西兰 | 阿曼 | 秘鲁 | 菲律宾 | 巴基斯坦 | 波兰 | 葡萄牙 | 卡塔尔 | 罗马尼亚 | 塞尔维亚 | 卢旺达 | 沙特阿拉伯 | 瑞典 | 新加坡 | 斯洛文尼亚 | 斯洛伐克 | 塞内加尔 | 泰国 | 塔吉克斯坦 | 突尼斯 | 土耳其 | 坦桑尼亚 | 乌克兰 | 乌干达 | 美国 | 乌拉圭 | 乌兹别克斯坦 | 越南 | 科索沃 | 南非 | 赞比亚",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Profee 是一家区域型支付服务商，覆盖安道尔、阿联酋、阿尔巴尼亚、亚美尼亚、奥地利、澳大利亚等，支持信用卡/借记卡、银行转账、跨境汇款/出款。公开费率：No-fee first transfer to select destinations; per-transfer fee 加 FX margin disclosed upfront before confirmation. No hidden fees.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：No-fee first transfer to select destinations; per-transfer fee 加 FX margin disclosed upfront before confirmation. No hidden fees.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://profee.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国香港",
        "乌克兰",
        "乌兹别克斯坦",
        "乌干达",
        "乌拉圭",
        "亚美尼亚",
        "以色列",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "出款",
        "列支敦士登",
        "加拿大",
        "加纳",
        "匈牙利",
        "北马其顿",
        "南非",
        "博茨瓦纳",
        "卡塔尔",
        "卢旺达",
        "卢森堡",
        "印度",
        "印度尼西亚",
        "危地马拉",
        "吉尔吉斯斯坦",
        "哈萨克斯坦",
        "哥伦比亚",
        "哥斯达黎加",
        "土耳其",
        "坦桑尼亚",
        "埃及",
        "塔吉克斯坦",
        "塞内加尔",
        "塞尔维亚",
        "塞浦路斯",
        "墨西哥",
        "奥地利",
        "孟加拉国",
        "安道尔",
        "尼日利亚",
        "尼泊尔",
        "巴基斯坦",
        "巴林",
        "巴西",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "摩尔多瓦",
        "斯洛伐克",
        "斯洛文尼亚",
        "斯里兰卡",
        "新加坡",
        "新西兰",
        "智利",
        "格鲁吉亚",
        "比利时",
        "沙特阿拉伯",
        "法国",
        "波兰",
        "波黑",
        "泰国",
        "澳大利亚",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "科威特",
        "科索沃",
        "秘鲁",
        "突尼斯",
        "立陶宛",
        "约旦",
        "纳米比亚",
        "罗马尼亚",
        "美国",
        "肯尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "菲律宾",
        "葡萄牙",
        "西班牙",
        "赞比亚",
        "越南",
        "跨境汇款",
        "银行转账",
        "阿塞拜疆",
        "阿尔巴尼亚",
        "阿曼",
        "阿联酋",
        "韩国",
        "马来西亚",
        "马耳他",
        "黑山"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gnosis-pay",
      "name": "Gnosis Pay",
      "aliases": [],
      "website_url": "https://gnosispay.com",
      "category": "crypto",
      "region": "europe",
      "coverage": "阿根廷 | 奥地利 | 比利时 | 保加利亚 | 巴西 | 哥伦比亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 欧盟 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 日本 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 墨西哥 | 荷兰 | 菲律宾 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 新加坡 | 斯洛文尼亚 | 斯洛伐克 | 泰国",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Gnosis Pay 是一家加密货币支付服务商，覆盖阿根廷、奥地利、比利时、保加利亚、巴西、哥伦比亚等，支持加密货币、信用卡/借记卡、电子钱包。公开费率：Low per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gnosispay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "加密货币",
        "匈牙利",
        "卢森堡",
        "哥伦比亚",
        "塞浦路斯",
        "墨西哥",
        "奥地利",
        "巴西",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "新加坡",
        "日本",
        "欧盟",
        "比利时",
        "法国",
        "波兰",
        "泰国",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "电子钱包",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "菲律宾",
        "葡萄牙",
        "西班牙",
        "阿根廷",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-datatrans",
      "name": "Datatrans",
      "aliases": [],
      "website_url": "https://www.datatrans.ch/",
      "category": "payment gateway",
      "region": "Europe",
      "coverage": "CH, EU",
      "services": [
        "cards",
        "wallets",
        "alternative payment methods",
        "redirect checkout",
        "lightbox",
        "server-to-server API"
      ],
      "introduction": "瑞士支付网关，负责托管支付表单、路由到收单/金融伙伴，并支持多种银行卡和本地支付方式。",
      "fee_note": "Datatrans 官网文档未公开统一费率；不宜使用第三方插件价格作为官方商户费率。",
      "settlement_note": "官网文档明确 Datatrans 作为网关不直接 payout；交易由金融伙伴结算，通常 daily 或 monthly，取决于金融伙伴和协议。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://docs.datatrans.ch/docs/getting-started",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "Switzerland",
        "active / raw import",
        "enterprise",
        "europe",
        "gateway",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-decta",
      "name": "DECTA",
      "aliases": [],
      "website_url": "https://decta.com",
      "category": "baas, traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "DECTA 是一家银行即服务(BaaS)服务商，覆盖全球，支持订阅/周期扣款、信用卡/借记卡。公开费率：定制(需询价) pricing for white-label partners。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing for white-label partners",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://decta.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "baas",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "recurring-payments",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-koronapay",
      "name": "KoronaPay",
      "aliases": [],
      "website_url": "https://koronapay.com",
      "category": "regional, traditional",
      "region": "asia, europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 瑞士 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "KoronaPay 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、瑞士、塞浦路斯、捷克等，支持即时出款、信用卡/借记卡、现金/代金券、跨境汇款/出款。公开费率：Per-transfer fees vary by corridor, currency and amount; consumer remittance pricing shown in-app at quote time (no merchant pricing).。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transfer fees vary by corridor, currency and amount; consumer remittance pricing shown in-app at quote time (no merchant pricing).",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://koronapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "regional",
        "traditional",
        "代金券",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "出款",
        "匈牙利",
        "卢森堡",
        "即时出款",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "现金",
        "瑞典",
        "瑞士",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "跨境汇款",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-coinpayments",
      "name": "CoinPayments",
      "aliases": [],
      "website_url": "https://coinpayments.net",
      "category": "crypto",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "CoinPayments 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：0.5%。结算：视情况而定。",
      "fee_note": "公开费率：0.5%",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://coinpayments.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "low-fees",
        "north-america",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-deuna-latam",
      "name": "Deuna",
      "aliases": [],
      "website_url": "https://deuna.com",
      "category": "regional, traditional",
      "region": "latin-america, north-america",
      "coverage": "阿根廷 | 巴西 | 智利 | 哥伦比亚 | 厄瓜多尔 | 墨西哥 | 秘鲁 | 美国 | 乌拉圭",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Deuna 是一家区域型支付服务商，覆盖阿根廷、巴西、智利、哥伦比亚、厄瓜多尔、墨西哥等，支持信用卡/借记卡。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://deuna.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "north-america",
        "regional",
        "startup-friendly",
        "traditional",
        "乌拉圭",
        "信用卡",
        "借记卡",
        "厄瓜多尔",
        "哥伦比亚",
        "墨西哥",
        "巴西",
        "智利",
        "秘鲁",
        "美国",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ezidebit",
      "name": "Ezidebit",
      "aliases": [],
      "website_url": "https://getpayments.com",
      "category": "regional",
      "region": "oceania",
      "coverage": "澳大利亚 | 新西兰",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "POS收单"
      ],
      "introduction": "Ezidebit 是一家区域型支付服务商，覆盖澳大利亚、新西兰，支持订阅/周期扣款、信用卡/借记卡、银行转账、POS收单。公开费率：AUD 0.99 per bank-account direct debit; 1.99% 加 AUD 0.30 card。结算：1–2个工作日。",
      "fee_note": "公开费率：AUD 0.99 per bank-account direct debit; 1.99% 加 AUD 0.30 card",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://getpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "low-fees",
        "oceania",
        "recurring-payments",
        "regional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "新西兰",
        "澳大利亚",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-clearent",
      "name": "Clearent (Xplor)",
      "aliases": [],
      "website_url": "https://docs.xplorpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "澳大利亚 | 中国香港 | 印度尼西亚 | 韩国 | 马来西亚 | 新西兰 | 菲律宾 | 新加坡 | 泰国 | 中国台湾 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Clearent (Xplor) 是一家传统收单/支付服务商，覆盖澳大利亚、中国香港、印度尼西亚、韩国、马来西亚、新西兰等，支持信用卡/借记卡。公开费率：Interchange-plus pricing。结算：下一个工作日。",
      "fee_note": "公开费率：Interchange-plus pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://docs.xplorpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-sandbox",
        "north-america",
        "startup-friendly",
        "traditional",
        "中国台湾",
        "中国香港",
        "信用卡",
        "借记卡",
        "印度尼西亚",
        "新加坡",
        "新西兰",
        "泰国",
        "澳大利亚",
        "美国",
        "菲律宾",
        "韩国",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-borgun",
      "name": "Borgun",
      "aliases": [],
      "website_url": "https://borgun.is",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 德国 | 欧盟 | 英国 | 爱尔兰 | 冰岛",
      "services": [
        "信用卡",
        "借记卡",
        "POS收单"
      ],
      "introduction": "Borgun 是一家区域型支付服务商，覆盖奥地利、德国、欧盟、英国、爱尔兰、冰岛，支持信用卡/借记卡、POS收单。公开费率：1.4-2%。结算：2–3个工作日。",
      "fee_note": "公开费率：1.4-2%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://borgun.is",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "冰岛",
        "奥地利",
        "德国",
        "欧盟",
        "爱尔兰",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-windcave",
      "name": "Windcave",
      "aliases": [],
      "website_url": "https://windcave.com",
      "category": "traditional",
      "region": "asia, oceania",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Windcave 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：1.75-2.5%。结算：2–3个工作日。",
      "fee_note": "公开费率：1.75-2.5%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://windcave.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dwolla",
      "name": "Dwolla",
      "aliases": [],
      "website_url": "https://www.dwolla.com",
      "category": "bank payment infrastructure, ACH, RTP",
      "region": "North America",
      "coverage": "United States",
      "services": [
        "ACH",
        "same day ACH",
        "RTP",
        "FedNow",
        "bank transfer",
        "mass pay",
        "digital wallet"
      ],
      "introduction": "Dwolla 是面向平台和企业的银行转账支付基础设施，提供 ACH、Same Day ACH、RTP/FedNow 即时支付、钱包和批量付款 API。",
      "fee_note": "官网 pricing 页说明为按交易量、支付轨道和集成需求定制价格。",
      "settlement_note": "官网文档公开标准 ACH debit 3-4 个工作日、ACH credit 1-2 个工作日；即时支付通常数分钟或秒级可用。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.dwolla.com/contact",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "ACH",
        "RTP",
        "United States",
        "active / raw import",
        "enterprise",
        "instant-payout",
        "instant-sandbox",
        "low-fees",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-unionpay",
      "name": "UnionPay",
      "aliases": [],
      "website_url": "https://unionpayintl.com",
      "category": "regional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "移动支付",
        "二维码支付"
      ],
      "introduction": "UnionPay 是一家区域型支付服务商，覆盖全球，支持移动支付、二维码支付。公开费率：0.8%。结算：1–3个工作日。",
      "fee_note": "公开费率：0.8%",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://unionpayintl.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "regional",
        "二维码支付",
        "全球",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-easebuzz",
      "name": "Easebuzz",
      "aliases": [],
      "website_url": "https://easebuzz.in",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "Easebuzz 是一家区域型支付服务商，覆盖印度，支持订阅/周期扣款、即时出款。公开费率：单笔从1.75%起。结算：1–3个工作日。",
      "fee_note": "公开费率：单笔从1.75%起",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://easebuzz.in",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "instant-payout",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "印度",
        "即时出款",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payretailers",
      "name": "PayRetailers",
      "aliases": [],
      "website_url": "https://payretailers.com",
      "category": "gaming, traditional",
      "region": "africa, latin-america",
      "coverage": "阿根廷 | 布基纳法索 | 巴西 | 科特迪瓦 | 智利 | 喀麦隆 | 哥伦比亚 | 哥斯达黎加 | 厄瓜多尔 | 加纳 | 危地马拉 | 肯尼亚 | 墨西哥 | 尼日利亚 | 尼加拉瓜 | 巴拿马 | 秘鲁 | 卢旺达 | 塞内加尔 | 萨尔瓦多 | 坦桑尼亚 | 乌干达 | 南非 | 赞比亚",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "PayRetailers 是一家游戏支付服务商，覆盖阿根廷、布基纳法索、巴西、科特迪瓦、智利、喀麦隆等，支持订阅/周期扣款、信用卡/借记卡、银行转账、移动支付、现金/代金券、跨境汇款/出款。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payretailers.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "enterprise",
        "gaming",
        "latin-america",
        "recurring-payments",
        "traditional",
        "乌干达",
        "代金券",
        "信用卡",
        "借记卡",
        "出款",
        "加纳",
        "南非",
        "卢旺达",
        "危地马拉",
        "厄瓜多尔",
        "周期扣款",
        "哥伦比亚",
        "哥斯达黎加",
        "喀麦隆",
        "坦桑尼亚",
        "塞内加尔",
        "墨西哥",
        "尼加拉瓜",
        "尼日利亚",
        "巴拿马",
        "巴西",
        "布基纳法索",
        "智利",
        "现金",
        "科特迪瓦",
        "秘鲁",
        "移动支付",
        "肯尼亚",
        "萨尔瓦多",
        "订阅",
        "赞比亚",
        "跨境汇款",
        "银行转账",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dnb-vipps",
      "name": "DNB Vipps",
      "aliases": [],
      "website_url": "https://dnb.no",
      "category": "regional",
      "region": "europe",
      "coverage": "芬兰 | 挪威 | 瑞典",
      "services": [
        "订阅",
        "周期扣款",
        "移动支付"
      ],
      "introduction": "DNB Vipps 是一家区域型支付服务商，覆盖芬兰、挪威、瑞典，支持订阅/周期扣款、移动支付。公开费率：Per-transaction pricing via DNB merchant agreement。结算：即时。",
      "fee_note": "公开费率：Per-transaction pricing via DNB merchant agreement",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dnb.no",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "recurring-payments",
        "regional",
        "周期扣款",
        "挪威",
        "瑞典",
        "移动支付",
        "芬兰",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paytm-biz",
      "name": "Paytm for Business",
      "aliases": [],
      "website_url": "https://business.paytm.com",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Paytm for Business 是一家区域型支付服务商，覆盖印度，支持即时出款、信用卡/借记卡、电子钱包。公开费率：单笔从0%起 for UPI; 1.99% for cards。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从0%起 for UPI; 1.99% for cards",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://business.paytm.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "印度",
        "即时出款",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bunq",
      "name": "bunq",
      "aliases": [],
      "website_url": "https://bunq.com",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 瑞士 | 德国 | 西班牙 | 芬兰 | 法国 | 爱尔兰 | 意大利 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 瑞典",
      "services": [
        "即时出款"
      ],
      "introduction": "bunq 是一家区域型支付服务商，覆盖奥地利、比利时、瑞士、德国、西班牙、芬兰等，支持即时出款。公开费率：From €2.99/month。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：From €2.99/month",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bunq.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "奥地利",
        "德国",
        "意大利",
        "挪威",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "瑞典",
        "瑞士",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-recurly",
      "name": "Recurly",
      "aliases": [],
      "website_url": "https://recurly.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Recurly 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：定制(需询价) pricing based on volume。结算：需向服务商确认（公开信息：Via gateway (Stripe, Braintree, etc.)）。",
      "fee_note": "公开费率：定制(需询价) pricing based on volume",
      "settlement_note": "需向服务商确认（公开信息：Via gateway (Stripe, Braintree, etc.)）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://recurly.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "recurring-payments",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-clover",
      "name": "Clover",
      "aliases": [],
      "website_url": "https://clover.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "奥地利 | 德国 | 英国 | 爱尔兰 | 美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Clover 是一家传统收单/支付服务商，覆盖奥地利、德国、英国、爱尔兰、美国，支持POS收单。公开费率：2.3-2.6% 加 $0.10。结算：1–2个工作日。",
      "fee_note": "公开费率：2.3-2.6% 加 $0.10",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://clover.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "north-america",
        "startup-friendly",
        "traditional",
        "奥地利",
        "德国",
        "爱尔兰",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dibs",
      "name": "DIBS",
      "aliases": [],
      "website_url": "https://dibs.se",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "欧盟 | 芬兰 | 挪威 | 瑞典",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "DIBS 是一家区域型支付服务商，覆盖欧盟、芬兰、挪威、瑞典，支持信用卡/借记卡。公开费率：1.45% 加 €0.35。结算：2–3个工作日。",
      "fee_note": "公开费率：1.45% 加 €0.35",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dibs.se",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "挪威",
        "欧盟",
        "瑞典",
        "芬兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-viva-wallet",
      "name": "Viva Wallet",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe",
      "coverage": "欧盟 | 英国",
      "services": [
        "电子钱包",
        "POS收单"
      ],
      "introduction": "Viva Wallet 是一家传统收单/支付服务商，覆盖欧盟、英国，支持电子钱包、POS收单。公开费率：单笔从1.20%起 加 €0.05。结算：1–2个工作日。",
      "fee_note": "公开费率：单笔从1.20%起 加 €0.05",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "low-fees",
        "startup-friendly",
        "traditional",
        "欧盟",
        "电子钱包",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bold-co",
      "name": "Bold Colombia",
      "aliases": [],
      "website_url": "https://bold.co",
      "category": "Colombia merchant acquiring, POS, online payments",
      "region": "Latin America",
      "coverage": "Colombia",
      "services": [
        "card present",
        "online card",
        "PSE",
        "Bancolombia",
        "wallet",
        "QR",
        "payment link",
        "POS"
      ],
      "introduction": "Bold Colombia 为哥伦比亚商户提供 POS、线上支付、支付链接、QR、PSE、Bancolombia 和数字钱包收款。",
      "fee_note": "官网公开按月销售额和收款方式分层费率，例如线上 Visa/Mastercard 从 2.99% + 900 COP，PSE/Bancolombia/钱包从 2.89% + 900 COP，国际卡另加 1%。",
      "settlement_note": "官网公开可次日到账至 Cuenta Digital Bold；其他银行通常 1 个工作日后到账。联系页 FAQ 也说明可选择秒到或次工作日。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.bold.co/contacto",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Colombia",
        "POS",
        "PSE",
        "active / raw import",
        "instant-payout",
        "latin-america",
        "regional",
        "startup-friendly"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-chargebee",
      "name": "Chargebee",
      "aliases": [],
      "website_url": "https://chargebee.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Chargebee 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：From $249/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $249/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://chargebee.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-craftgate",
      "name": "Craftgate",
      "aliases": [],
      "website_url": "https://craftgate.io",
      "category": "regional",
      "region": "europe, middle-east",
      "coverage": "西班牙 | 土耳其",
      "services": [
        "即时出款",
        "POS收单"
      ],
      "introduction": "Craftgate 是一家区域型支付服务商，覆盖西班牙、土耳其，支持即时出款、POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://craftgate.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "instant-payout",
        "middle-east",
        "regional",
        "startup-friendly",
        "即时出款",
        "土耳其",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-webmoney",
      "name": "WebMoney",
      "aliases": [],
      "website_url": "https://webmoney.ru",
      "category": "regional",
      "region": "asia, europe",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "WebMoney 是一家区域型支付服务商，覆盖全球，支持加密货币、即时出款、电子钱包、跨境汇款/出款。公开费率：0.8%。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：0.8%",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://webmoney.ru",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "crypto-support",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "全球",
        "出款",
        "加密货币",
        "即时出款",
        "电子钱包",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ccbill",
      "name": "CCBill",
      "aliases": [],
      "website_url": "https://ccbill.com",
      "category": "high-risk",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "即时出款",
        "订阅",
        "周期扣款"
      ],
      "introduction": "CCBill 是一家高风险行业支付服务商，覆盖全球，支持即时出款、订阅/周期扣款。公开费率：10.8-14.5% (adult), 3.9% 加 $0.55 (standard)。结算：需向服务商确认（公开信息：7 business days）。",
      "fee_note": "公开费率：10.8-14.5% (adult), 3.9% 加 $0.55 (standard)",
      "settlement_note": "需向服务商确认（公开信息：7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ccbill.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "north-america",
        "oceania",
        "全球",
        "即时出款",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymaya",
      "name": "Maya",
      "aliases": [],
      "website_url": "https://maya.ph",
      "category": "regional",
      "region": "asia, southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Maya 是一家区域型支付服务商，覆盖菲律宾，支持即时出款、信用卡/借记卡、电子钱包、跨境汇款/出款。公开费率：1.5% (in-store), 2% (online)。结算：2–3个工作日。",
      "fee_note": "公开费率：1.5% (in-store), 2% (online)",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://maya.ph",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "出款",
        "即时出款",
        "电子钱包",
        "菲律宾",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cashfree-2",
      "name": "Cashfree Payments",
      "aliases": [],
      "website_url": "https://www.cashfree.com",
      "category": "India payment aggregator, payment gateway",
      "region": "South Asia",
      "coverage": "India",
      "services": [
        "UPI",
        "Cards",
        "Net banking",
        "Wallets",
        "EMI",
        "Pay Later",
        "Bank transfer",
        "Payment links",
        "Payment forms",
        "softPOS"
      ],
      "introduction": "Cashfree Payments 是印度支付聚合和支付网关，提供 INR/外币收款、UPI、卡、网银、钱包、EMI、Pay Later、银行转账和结算能力。",
      "fee_note": "官网公开标准国内费率 1.95%，国际卡约 2.99%；2026-07-21 至 2027-03-31 新商户有国内交易 0% MDR 限时活动，GST 另计。",
      "settlement_note": "官方文档说明默认 T+2，也可配置 T+1；Instant settlements 可在约 15 分钟内入账，需满足资格。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.cashfree.com/support/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "India",
        "UPI",
        "active / raw import",
        "asia",
        "instant-payout",
        "instant-sandbox",
        "regional",
        "settlement",
        "startup-friendly"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-bolt-checkout",
      "name": "Bolt",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "加拿大 | 英国 | 美国",
      "services": [
        "加密货币"
      ],
      "introduction": "Bolt 是一家传统收单/支付服务商，覆盖加拿大、英国、美国，支持加密货币。公开费率：定制(需询价) pricing。结算：2–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "加密货币",
        "加拿大",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cash-app",
      "name": "Cash App",
      "aliases": [],
      "website_url": "https://cash.app",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "加密货币",
        "即时出款",
        "移动支付",
        "二维码支付",
        "现金",
        "代金券"
      ],
      "introduction": "Cash App 是一家传统收单/支付服务商，覆盖英国、美国，支持加密货币、即时出款、移动支付、二维码支付、现金/代金券。公开费率：Free basic, 1.75% instant。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Free basic, 1.75% instant",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cash.app",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "europe",
        "instant-payout",
        "north-america",
        "startup-friendly",
        "traditional",
        "二维码支付",
        "代金券",
        "加密货币",
        "即时出款",
        "现金",
        "移动支付",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-getnet",
      "name": "Getnet",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "POS收单"
      ],
      "introduction": "Getnet 是一家传统收单/支付服务商，覆盖巴西，支持POS收单。公开费率：单笔从1.69%起 (debit) to 12.88% (credit 12x installments)。结算：即时。",
      "fee_note": "公开费率：单笔从1.69%起 (debit) to 12.88% (credit 12x installments)",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "latin-america",
        "startup-friendly",
        "traditional",
        "巴西"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paycomet",
      "name": "Paycomet",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "europe",
      "coverage": "西班牙 | 欧盟",
      "services": [
        "二维码支付",
        "POS收单",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Paycomet 是一家区域型支付服务商，覆盖西班牙、欧盟，支持二维码支付、POS收单、订阅/周期扣款。公开费率：€0.10 单笔。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：€0.10 单笔",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "low-fees",
        "regional",
        "startup-friendly",
        "二维码支付",
        "周期扣款",
        "欧盟",
        "西班牙",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-realex",
      "name": "Realex Payments",
      "aliases": [],
      "website_url": "https://realexpayments.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Realex Payments 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Contact for pricing。结算：2–3个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://realexpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-c2fo",
      "name": "C2FO",
      "aliases": [],
      "website_url": "https://c2fo.com",
      "category": "traditional",
      "region": "africa, asia, europe, middle-east, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "账单",
        "发票支付",
        "现金",
        "代金券"
      ],
      "introduction": "C2FO 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款、即时出款、账单/发票支付、现金/代金券。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://c2fo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "middle-east",
        "north-america",
        "recurring-payments",
        "traditional",
        "代金券",
        "全球",
        "即时出款",
        "发票支付",
        "周期扣款",
        "现金",
        "订阅",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payu-poland",
      "name": "PayU Poland",
      "aliases": [],
      "website_url": "https://poland.payu.com/",
      "category": "payment gateway, local payment methods",
      "region": "Europe",
      "coverage": "PL, CZ, RO, SK, EU",
      "services": [
        "cards",
        "BLIK",
        "online bank transfer",
        "wire transfer",
        "Apple Pay",
        "Click to Pay",
        "SEPA Direct Debit",
        "BNPL",
        "installments"
      ],
      "introduction": "PayU 在欧洲市场的在线支付服务，覆盖波兰及中东欧多种本地支付方式、银行卡、钱包、BNPL 和分期。",
      "fee_note": "开发者文档公开 IF++ 计费模型包含 interchange、scheme/assessment fees 和 PayU margin；未找到统一公开标准费率。",
      "settlement_note": "IF++ 文档公开该模型在月末后结算/调账，6 日、7 日生成报表，10 日开票；其他产品结算需合同确认。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://poland.payu.com/pomoc/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "BLIK",
        "Europe",
        "PayU",
        "active / raw import",
        "enterprise",
        "europe",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-clair",
      "name": "Clair",
      "aliases": [],
      "website_url": "https://getclair.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Clair 是一家传统收单/支付服务商，覆盖美国，支持即时出款、信用卡/借记卡、银行转账。公开费率：Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH.。结算：即时。",
      "fee_note": "公开费率：Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH.",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://getclair.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "low-fees",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "即时出款",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bitstamp",
      "name": "Bitstamp",
      "aliases": [],
      "website_url": "https://bitstamp.net",
      "category": "crypto",
      "region": "asia, europe, north-america, southeast-asia",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 新加坡 | 斯洛文尼亚 | 斯洛伐克 | 美国",
      "services": [
        "加密货币"
      ],
      "introduction": "Bitstamp 是一家加密货币支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持加密货币。公开费率：Fee details require provider confirmation.；fee model: per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bitstamp.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "north-america",
        "southeast-asia",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "加密货币",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "新加坡",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-branch-pay",
      "name": "Branch",
      "aliases": [],
      "website_url": "https://branchapp.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Branch 是一家传统收单/支付服务商，覆盖美国，支持即时出款、信用卡/借记卡、电子钱包。公开费率：定制(需询价) pricing for employers。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing for employers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://branchapp.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "low-fees",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "即时出款",
        "电子钱包",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-desjardins-payments",
      "name": "Desjardins Payments",
      "aliases": [],
      "website_url": "https://desjardins.com",
      "category": "regional",
      "region": "north-america",
      "coverage": "加拿大",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Desjardins Payments 是一家区域型支付服务商，覆盖加拿大，支持信用卡/借记卡。公开费率：定制(需询价) pricing via Global Payments; no fee for direct deposit into Desjardins business accounts。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing via Global Payments; no fee for direct deposit into Desjardins business accounts",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://desjardins.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "regional",
        "信用卡",
        "借记卡",
        "加拿大"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gmo-payment-gateway",
      "name": "GMO Payment Gateway",
      "aliases": [],
      "website_url": "https://gmo-pg.com",
      "category": "regional",
      "region": "asia",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "GMO Payment Gateway 是一家区域型支付服务商，覆盖全球，支持信用卡/借记卡、电子钱包。公开费率：2.9-3.24%。结算：需向服务商确认（公开信息：30–45 business days）。",
      "fee_note": "公开费率：2.9-3.24%",
      "settlement_note": "需向服务商确认（公开信息：30–45 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gmo-pg.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "信用卡",
        "借记卡",
        "全球",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-six-payment",
      "name": "SIX Payment Services",
      "aliases": [],
      "website_url": "https://six-group.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "POS收单"
      ],
      "introduction": "SIX Payment Services 是一家传统收单/支付服务商，覆盖全球，支持POS收单。公开费率：1.3-1.9%。结算：1–2个工作日。",
      "fee_note": "公开费率：1.3-1.9%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://six-group.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bankingcircle",
      "name": "Banking Circle",
      "aliases": [],
      "website_url": "https://bankingcircle.com",
      "category": "baas",
      "region": "asia, europe, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Banking Circle 是一家银行即服务(BaaS)服务商，覆盖全球，支持即时出款、跨境汇款/出款。公开费率：Per-transaction。结算：即时。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bankingcircle.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "baas",
        "enterprise",
        "europe",
        "instant-payout",
        "low-fees",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bitgo",
      "name": "BitGo",
      "aliases": [],
      "website_url": "https://bitgo.com",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "电子钱包"
      ],
      "introduction": "BitGo 是一家加密货币支付服务商，覆盖全球，支持加密货币、电子钱包。公开费率：AUC-based (bps) 加 0.25% withdrawal。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：AUC-based (bps) 加 0.25% withdrawal",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bitgo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "north-america",
        "全球",
        "加密货币",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-clearhaus",
      "name": "Clearhaus",
      "aliases": [],
      "website_url": "https://www.clearhaus.com/",
      "category": "card acquiring",
      "region": "Europe",
      "coverage": "DE, DK, ES, EU, FI, LV, NO, PL, RO, SE, SI, GB",
      "services": [
        "Visa",
        "Mastercard",
        "card acquiring",
        "3D Secure",
        "multi-currency settlement"
      ],
      "introduction": "欧洲收单机构，提供在线银行卡收单、API、3D Secure、结算报表和多币种结算。",
      "fee_note": "官网公开示例：本地发行消费者卡 1.45%/笔、最低 EUR 0.20；商务卡和外国卡从 2.75%/笔、最低 EUR 0.40；无月费/设置费。",
      "settlement_note": "官网公开支持 DKK、EUR、GBP、NOK、SEK、USD、CZK、HUF、PLN、RON、CHF 等结算币种；开发文档提供 settlement 资源。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.clearhaus.com/pricing/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "acquiring",
        "active / raw import",
        "cards",
        "europe",
        "startup-friendly",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-lyra",
      "name": "Lyra",
      "aliases": [],
      "website_url": "https://lyra.com",
      "category": "traditional",
      "region": "asia, europe, latin-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Lyra 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lyra.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "recurring-payments",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pin-payments",
      "name": "Pin Payments",
      "aliases": [],
      "website_url": "https://pinpayments.com",
      "category": "traditional",
      "region": "oceania",
      "coverage": "澳大利亚 | 新西兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Pin Payments 是一家传统收单/支付服务商，覆盖澳大利亚、新西兰，支持信用卡/借记卡。公开费率：1.75% 加 $0.30 domestic。结算：需向服务商确认（公开信息：3 business days）。",
      "fee_note": "公开费率：1.75% 加 $0.30 domestic",
      "settlement_note": "需向服务商确认（公开信息：3 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pinpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "oceania",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "新西兰",
        "澳大利亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-clio-payments",
      "name": "Clio Payments",
      "aliases": [],
      "website_url": "https://clio.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 加拿大 | 英国 | 爱尔兰 | 波多黎各 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "先买后付(BNPL)"
      ],
      "introduction": "Clio Payments 是一家传统收单/支付服务商，覆盖澳大利亚、加拿大、英国、爱尔兰、波多黎各、美国，支持订阅/周期扣款、信用卡/借记卡、银行转账、先买后付(BNPL)。公开费率：2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH。结算：下一个工作日。",
      "fee_note": "公开费率：2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://clio.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "加拿大",
        "周期扣款",
        "波多黎各",
        "澳大利亚",
        "爱尔兰",
        "美国",
        "英国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cm-com-payments",
      "name": "CM.com",
      "aliases": [],
      "website_url": "https://cm.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "CM.com 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cm.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-coda-payments",
      "name": "CODA",
      "aliases": [],
      "website_url": "https://codapayments.com",
      "category": "gaming",
      "region": "asia, latin-america, southeast-asia",
      "coverage": "巴西 | 印度尼西亚 | 印度 | 墨西哥 | 马来西亚 | 菲律宾 | 新加坡 | 泰国 | 土耳其",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "CODA 是一家游戏支付服务商，覆盖巴西、印度尼西亚、印度、墨西哥、马来西亚、菲律宾等，支持订阅/周期扣款。公开费率：定制(需询价) per-region pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) per-region pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://codapayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "enterprise",
        "gaming",
        "latin-america",
        "southeast-asia",
        "virtual-items",
        "印度",
        "印度尼西亚",
        "周期扣款",
        "土耳其",
        "墨西哥",
        "巴西",
        "新加坡",
        "泰国",
        "菲律宾",
        "订阅",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-deutsche-bank",
      "name": "Deutsche Bank",
      "aliases": [],
      "website_url": "https://db.com",
      "category": "traditional",
      "region": "asia, europe, middle-east",
      "coverage": "阿联酋 | 奥地利 | 澳大利亚 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 印度尼西亚 | 爱尔兰 | 印度 | 意大利 | 韩国 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "先买后付(BNPL)"
      ],
      "introduction": "Deutsche Bank 是一家传统收单/支付服务商，覆盖阿联酋、奥地利、澳大利亚、比利时、保加利亚、塞浦路斯等，支持信用卡/借记卡、银行转账、电子钱包、先买后付(BNPL)。公开费率：定制(需询价) pricing — quoted by Deutsche Bank Relationship Manager; no public rate card.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing — quoted by Deutsche Bank Relationship Manager; no public rate card.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://db.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "克罗地亚",
        "匈牙利",
        "卢森堡",
        "印度",
        "印度尼西亚",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "电子钱包",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "阿联酋",
        "韩国",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mobilepay",
      "name": "MobilePay",
      "aliases": [],
      "website_url": "https://mobilepay.dk",
      "category": "regional",
      "region": "europe",
      "coverage": "芬兰 | 挪威",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "MobilePay 是一家区域型支付服务商，覆盖芬兰、挪威，支持即时出款、移动支付。公开费率：From DKK 0.75 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：From DKK 0.75 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mobilepay.dk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "挪威",
        "移动支付",
        "芬兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-skrill",
      "name": "Skrill",
      "aliases": [],
      "website_url": "https://skrill.com",
      "category": "gaming",
      "region": "africa, asia, europe, latin-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Skrill 是一家游戏支付服务商，覆盖全球，支持加密货币、即时出款、电子钱包、跨境汇款/出款。公开费率：Free to merchants (user pays 1-5%)。结算：即时。",
      "fee_note": "公开费率：Free to merchants (user pays 1-5%)",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://skrill.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto-support",
        "europe",
        "gaming",
        "instant-payout",
        "latin-america",
        "low-fees",
        "全球",
        "出款",
        "加密货币",
        "即时出款",
        "电子钱包",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-triple-a",
      "name": "Triple-A",
      "aliases": [],
      "website_url": "https://triple-a.io",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款"
      ],
      "introduction": "Triple-A 是一家加密货币支付服务商，覆盖全球，支持加密货币、即时出款。公开费率：0.7-1.5%。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：0.7-1.5%",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://triple-a.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "instant-payout",
        "north-america",
        "全球",
        "加密货币",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-currencycloud",
      "name": "Currencycloud",
      "aliases": [],
      "website_url": "https://currencycloud.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Currencycloud 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡、跨境汇款/出款。公开费率：0.25-0.40%。结算：1–3个工作日。",
      "fee_note": "公开费率：0.25-0.40%",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://currencycloud.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-freedompay",
      "name": "FreedomPay",
      "aliases": [],
      "website_url": "https://corporate.freedompay.com",
      "category": "traditional",
      "region": "europe, latin-america, north-america",
      "coverage": "奥地利 | 澳大利亚 | 比利时 | 巴西 | 加拿大 | 瑞士 | 中国 | 德国 | 法国 | 英国 | 中国香港 | 爱尔兰 | 印度 | 日本 | 墨西哥 | 荷兰 | 新西兰 | 新加坡 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "FreedomPay 是一家传统收单/支付服务商，覆盖奥地利、澳大利亚、比利时、巴西、加拿大、瑞士等，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://corporate.freedompay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "中国",
        "中国香港",
        "信用卡",
        "借记卡",
        "加拿大",
        "印度",
        "墨西哥",
        "奥地利",
        "巴西",
        "德国",
        "新加坡",
        "新西兰",
        "日本",
        "比利时",
        "法国",
        "澳大利亚",
        "爱尔兰",
        "瑞士",
        "美国",
        "英国",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kushki",
      "name": "Kushki",
      "aliases": [],
      "website_url": "https://www.kushkipagos.com",
      "category": "Latin America PSP, acquiring, payouts",
      "region": "Latin America",
      "coverage": "Chile, Colombia, Ecuador, Mexico, Peru",
      "services": [
        "credit card",
        "debit card",
        "bank transfer",
        "cash",
        "payment link",
        "payout"
      ],
      "introduction": "Kushki 是拉美支付平台，提供卡支付、银行转账、现金收款、国际收款、支付链接和部分国家的付款/代付能力。",
      "fee_note": "官网帮助中心说明无开户注册或会员费，仅对 approved transaction 收费；处理费根据商户商业协议变化。",
      "settlement_note": "官网条款说明 Kushki 作为收单方、聚合方或支付服务商处理并结算；具体账期未公开统一标准。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://soporte.kushkipagos.com/hc/en-us",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Latin America",
        "PSP",
        "active / raw import",
        "latin-america",
        "payouts",
        "regional",
        "startup-friendly"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-helio",
      "name": "Helio",
      "aliases": [],
      "website_url": "https://hel.io",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款"
      ],
      "introduction": "Helio 是一家加密货币支付服务商，覆盖全球，支持加密货币、即时出款。公开费率：2% standard, 1% with HelioX pass。结算：即时。",
      "fee_note": "公开费率：2% standard, 1% with HelioX pass",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hel.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "instant-payout",
        "north-america",
        "全球",
        "加密货币",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cryptomus",
      "name": "Cryptomus",
      "aliases": [],
      "website_url": "https://cryptomus.com",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Cryptomus 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：0.4-0.9%。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：0.4-0.9%",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cryptomus.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "north-america",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mizuho",
      "name": "Mizuho Bank",
      "aliases": [],
      "website_url": "https://mizuhogroup.com",
      "category": "regional, traditional",
      "region": "asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "阿联酋 | 澳大利亚 | 巴西 | 加拿大 | 中国 | 德国 | 法国 | 英国 | 中国香港 | 印度尼西亚 | 印度 | 日本 | 韩国 | 墨西哥 | 马来西亚 | 荷兰 | 菲律宾 | 新加坡 | 泰国 | 中国台湾 | 美国 | 越南",
      "services": [
        "先买后付(BNPL)",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Mizuho Bank 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、巴西、加拿大、中国、德国等，支持先买后付(BNPL)、跨境汇款/出款。公开费率：定制(需询价) relationship-based pricing for corporate and institutional clients; rates not publicly disclosed.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) relationship-based pricing for corporate and institutional clients; rates not publicly disclosed.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mizuhogroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国台湾",
        "中国香港",
        "先买后付(BNPL)",
        "出款",
        "加拿大",
        "印度",
        "印度尼西亚",
        "墨西哥",
        "巴西",
        "德国",
        "新加坡",
        "日本",
        "法国",
        "泰国",
        "澳大利亚",
        "美国",
        "英国",
        "荷兰",
        "菲律宾",
        "越南",
        "跨境汇款",
        "阿联酋",
        "韩国",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymentcloud",
      "name": "PaymentCloud",
      "aliases": [],
      "website_url": "https://paymentcloudinc.com",
      "category": "high-risk",
      "region": "europe, north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PaymentCloud 是一家高风险行业支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：~3-7%。结算：1–3个工作日。",
      "fee_note": "公开费率：~3-7%",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymentcloudinc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jcb",
      "name": "JCB",
      "aliases": [],
      "website_url": "https://global.jcb",
      "category": "regional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "JCB 是一家区域型支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：2.95-3.5%。结算：2–3个工作日。",
      "fee_note": "公开费率：2.95-3.5%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://global.jcb",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "regional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payplug",
      "name": "Payplug",
      "aliases": [],
      "website_url": "https://payplug.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "欧盟 | 法国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payplug 是一家传统收单/支付服务商，覆盖欧盟、法国，支持信用卡/借记卡。公开费率：Contact for pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payplug.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "欧盟",
        "法国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-societe-generale",
      "name": "Societe Generale",
      "aliases": [],
      "website_url": "https://societegenerale.com",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, north-america",
      "coverage": "阿联酋 | 澳大利亚 | 比利时 | 瑞士 | 中国 | 捷克 | 德国 | 西班牙 | 法国 | 英国 | 中国香港 | 意大利 | 日本 | 卢森堡 | 波兰 | 罗马尼亚 | 新加坡 | 美国",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "Societe Generale 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、比利时、瑞士、中国、捷克等，支持现金/代金券。公开费率：Bespoke pricing for corporate clients; no public rate card. Merchant acquiring delivered in Europe via the Societe Generale / Elavon joint venture.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Bespoke pricing for corporate clients; no public rate card. Merchant acquiring delivered in Europe via the Societe Generale / Elavon joint venture.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://societegenerale.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "regional",
        "traditional",
        "中国",
        "中国香港",
        "代金券",
        "卢森堡",
        "德国",
        "意大利",
        "捷克",
        "新加坡",
        "日本",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "现金",
        "瑞士",
        "罗马尼亚",
        "美国",
        "英国",
        "西班牙",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-trust-payments",
      "name": "Trust Payments",
      "aliases": [],
      "website_url": "https://trustpayments.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "银行转账"
      ],
      "introduction": "Trust Payments 是一家传统收单/支付服务商，覆盖全球，支持银行转账。公开费率：Contact for pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://trustpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "全球",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-heartland",
      "name": "Heartland Payment Systems",
      "aliases": [],
      "website_url": "https://heartland.us",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Heartland Payment Systems 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：Interchange-plus pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Interchange-plus pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://heartland.us",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "low-fees",
        "north-america",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-omise-2",
      "name": "Omise (OpnPayments)",
      "aliases": [],
      "website_url": "https://opn.ooo",
      "category": "traditional",
      "region": "asia, southeast-asia",
      "coverage": "日本 | 马来西亚 | 新加坡 | 泰国",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Omise (OpnPayments) 是一家传统收单/支付服务商，覆盖日本、马来西亚、新加坡、泰国，支持信用卡/借记卡、电子钱包。公开费率：2.9% 加 ฿20 for card payments; local methods vary。结算：2–3个工作日。",
      "fee_note": "公开费率：2.9% 加 ฿20 for card payments; local methods vary",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://opn.ooo",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "新加坡",
        "日本",
        "泰国",
        "电子钱包",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-alipayhk",
      "name": "AlipayHK",
      "aliases": [],
      "website_url": "https://alipayhk.com",
      "category": "regional",
      "region": "asia, southeast-asia",
      "coverage": "中国 | 中国香港 | 日本 | 韩国 | 中国澳门 | 新加坡",
      "services": [
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "AlipayHK 是一家区域型支付服务商，覆盖中国、中国香港、日本、韩国、中国澳门、新加坡，支持即时出款、电子钱包、跨境汇款/出款。公开费率：1.5-2%。结算：1–2个工作日。",
      "fee_note": "公开费率：1.5-2%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://alipayhk.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "中国",
        "中国澳门",
        "中国香港",
        "出款",
        "即时出款",
        "新加坡",
        "日本",
        "电子钱包",
        "跨境汇款",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bitpanda",
      "name": "Bitpanda",
      "aliases": [],
      "website_url": "https://bitpanda.com",
      "category": "crypto, regional",
      "region": "europe",
      "coverage": "阿联酋 | 阿尔巴尼亚 | 奥地利 | 比利时 | 保加利亚 | 瑞士 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 塞尔维亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克 | 土耳其",
      "services": [
        "加密货币"
      ],
      "introduction": "Bitpanda 是一家加密货币支付服务商，覆盖阿联酋、阿尔巴尼亚、奥地利、比利时、保加利亚、瑞士等，支持加密货币。公开费率：Zero deposit and withdrawal fees on all fiat payment methods; trading/spread fees apply on assets (e.g. €1 per stock trade).。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Zero deposit and withdrawal fees on all fiat payment methods; trading/spread fees apply on assets (e.g. €1 per stock trade).",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bitpanda.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "regional",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "加密货币",
        "匈牙利",
        "卢森堡",
        "土耳其",
        "塞尔维亚",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "阿尔巴尼亚",
        "阿联酋",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-esewa",
      "name": "eSewa",
      "aliases": [],
      "website_url": "https://esewa.com.np",
      "category": "regional",
      "region": "asia",
      "coverage": "尼泊尔",
      "services": [
        "即时出款",
        "电子钱包",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "eSewa 是一家区域型支付服务商，覆盖尼泊尔，支持即时出款、电子钱包、移动支付、跨境汇款/出款。公开费率：Domestic QR free; card load 1.75%; international Alipay+ 1.95%。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Domestic QR free; card load 1.75%; international Alipay+ 1.95%",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://esewa.com.np",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "出款",
        "即时出款",
        "尼泊尔",
        "电子钱包",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dg-financial",
      "name": "DG Financial Technology",
      "aliases": [],
      "website_url": "https://dgft.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "DG Financial Technology 是一家区域型支付服务商，覆盖日本，支持订阅/周期扣款、信用卡/借记卡。公开费率：定制(需询价) pricing (contact sales)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing (contact sales)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dgft.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "recurring-payments",
        "regional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "日本",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-unlimit",
      "name": "Unlimit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, latin-america",
      "coverage": "全球",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Unlimit 是一家传统收单/支付服务商，覆盖全球，支持跨境汇款/出款。公开费率：定制(需询价) per-region pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) per-region pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "traditional",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-airplus",
      "name": "AirPlus International",
      "aliases": [],
      "website_url": "https://airplus.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 加拿大 | 瑞士 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 墨西哥 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "AirPlus International 是一家传统收单/支付服务商，覆盖奥地利、比利时、保加利亚、加拿大、瑞士、捷克等，支持订阅/周期扣款、信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: subscription。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: subscription",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://airplus.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "virtual-items",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "加拿大",
        "匈牙利",
        "卢森堡",
        "周期扣款",
        "墨西哥",
        "奥地利",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "订阅",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-areeba",
      "name": "Areeba",
      "aliases": [],
      "website_url": "https://areeba.com",
      "category": "regional",
      "region": "africa, middle-east",
      "coverage": "阿联酋 | 埃及 | 伊拉克 | 约旦 | 黎巴嫩 | 卡塔尔 | 沙特阿拉伯 | 塞内加尔",
      "services": [
        "POS收单"
      ],
      "introduction": "Areeba 是一家区域型支付服务商，覆盖阿联酋、埃及、伊拉克、约旦、黎巴嫩、卡塔尔等，支持POS收单。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://areeba.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "enterprise",
        "middle-east",
        "regional",
        "伊拉克",
        "卡塔尔",
        "埃及",
        "塞内加尔",
        "沙特阿拉伯",
        "约旦",
        "阿联酋",
        "黎巴嫩"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paytabs",
      "name": "PayTabs",
      "aliases": [],
      "website_url": "https://site.paytabs.com",
      "category": "regional",
      "region": "africa, middle-east",
      "coverage": "阿联酋 | 巴林 | 埃及 | 约旦 | 科威特 | 阿曼 | 巴勒斯坦 | 卡塔尔 | 沙特阿拉伯",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayTabs 是一家区域型支付服务商，覆盖阿联酋、巴林、埃及、约旦、科威特、阿曼等，支持信用卡/借记卡。公开费率：2.5%–3.5% 单笔。结算：2–3个工作日。",
      "fee_note": "公开费率：2.5%–3.5% 单笔",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://site.paytabs.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "middle-east",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "卡塔尔",
        "埃及",
        "巴勒斯坦",
        "巴林",
        "沙特阿拉伯",
        "科威特",
        "约旦",
        "阿曼",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-przelewy24",
      "name": "Przelewy24",
      "aliases": [],
      "website_url": "https://przelewy24.pl",
      "category": "regional",
      "region": "europe",
      "coverage": "波兰",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "Przelewy24 是一家区域型支付服务商，覆盖波兰，支持即时出款、信用卡/借记卡、银行转账、电子钱包。公开费率：单笔从1.2%起 单笔。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：单笔从1.2%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://przelewy24.pl",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "即时出款",
        "波兰",
        "电子钱包",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hobex",
      "name": "Hobex",
      "aliases": [],
      "website_url": "https://hobex.at",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 瑞士 | 德国 | 意大利 | 斯洛文尼亚",
      "services": [
        "POS收单"
      ],
      "introduction": "Hobex 是一家区域型支付服务商，覆盖奥地利、瑞士、德国、意大利、斯洛文尼亚，支持POS收单。公开费率：1.9-2.5%。结算：2–3个工作日。",
      "fee_note": "公开费率：1.9-2.5%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hobex.at",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "奥地利",
        "德国",
        "意大利",
        "斯洛文尼亚",
        "瑞士"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paxum",
      "name": "Paxum",
      "aliases": [],
      "website_url": "https://paxum.com",
      "category": "high-risk",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Paxum 是一家高风险行业支付服务商，覆盖全球，支持加密货币、即时出款、信用卡/借记卡、银行转账、电子钱包、现金/代金券。公开费率：~2-5%。结算：1–3个工作日。",
      "fee_note": "公开费率：~2-5%",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paxum.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto-support",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "north-america",
        "代金券",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "加密货币",
        "即时出款",
        "现金",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-redsys",
      "name": "Redsys",
      "aliases": [],
      "website_url": "https://redsys.es",
      "category": "regional",
      "region": "europe",
      "coverage": "西班牙 | 欧盟",
      "services": [
        "POS收单"
      ],
      "introduction": "Redsys 是一家区域型支付服务商，覆盖西班牙、欧盟，支持POS收单。公开费率：0.25-0.75%。结算：1–2个工作日。",
      "fee_note": "公开费率：0.25-0.75%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://redsys.es",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "欧盟",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-valitor",
      "name": "Valitor",
      "aliases": [],
      "website_url": "https://valitor.is",
      "category": "regional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Valitor 是一家区域型支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：1.5-2.5%。结算：2–3个工作日。",
      "fee_note": "公开费率：1.5-2.5%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://valitor.is",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bancnet",
      "name": "BancNet",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "即时出款",
        "POS收单"
      ],
      "introduction": "BancNet 是一家区域型支付服务商，覆盖菲律宾，支持即时出款、POS收单。公开费率：Per-transaction。结算：即时。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "instant-payout",
        "regional",
        "southeast-asia",
        "即时出款",
        "菲律宾"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-peach-payments",
      "name": "Peach Payments",
      "aliases": [],
      "website_url": "https://peachpayments.com",
      "category": "regional",
      "region": "africa",
      "coverage": "肯尼亚 | 毛里求斯 | 南非",
      "services": [
        "订阅",
        "周期扣款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Peach Payments 是一家区域型支付服务商，覆盖肯尼亚、毛里求斯、南非，支持订阅/周期扣款、跨境汇款/出款。公开费率：2.85% 加 R0.99。结算：2–3个工作日。",
      "fee_note": "公开费率：2.85% 加 R0.99",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://peachpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "出款",
        "南非",
        "周期扣款",
        "毛里求斯",
        "肯尼亚",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tap-payments",
      "name": "Tap Payments",
      "aliases": [],
      "website_url": "https://tap.company",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋 | 巴林 | 埃及 | 约旦 | 科威特 | 阿曼 | 卡塔尔 | 沙特阿拉伯",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Tap Payments 是一家区域型支付服务商，覆盖阿联酋、巴林、埃及、约旦、科威特、阿曼等，支持信用卡/借记卡、电子钱包。公开费率：2.0%–2.75% 单笔。结算：2–3个工作日。",
      "fee_note": "公开费率：2.0%–2.75% 单笔",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tap.company",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-sandbox",
        "middle-east",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "卡塔尔",
        "埃及",
        "巴林",
        "沙特阿拉伯",
        "电子钱包",
        "科威特",
        "约旦",
        "阿曼",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-evo-europe",
      "name": "EVO Payments Europe",
      "aliases": [],
      "website_url": "https://evopayments.eu",
      "category": "traditional",
      "region": "europe",
      "coverage": "捷克 | 德国 | 西班牙 | 希腊 | 爱尔兰 | 波兰",
      "services": [
        "POS收单"
      ],
      "introduction": "EVO Payments Europe 是一家传统收单/支付服务商，覆盖捷克、德国、西班牙、希腊、爱尔兰、波兰，支持POS收单。公开费率：定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://evopayments.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "希腊",
        "德国",
        "捷克",
        "波兰",
        "爱尔兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-stone",
      "name": "Stone",
      "aliases": [],
      "website_url": "https://stone.co",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Stone 是一家区域型支付服务商，覆盖巴西，支持信用卡/借记卡。公开费率：1.4-4.9%。结算：需向服务商确认（公开信息：1–30 business days）。",
      "fee_note": "公开费率：1.4-4.9%",
      "settlement_note": "需向服务商确认（公开信息：1–30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://stone.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "巴西"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-eft-pay",
      "name": "EFT Pay",
      "aliases": [],
      "website_url": "https://eftpay.co.za",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "即时出款"
      ],
      "introduction": "EFT Pay 是一家区域型支付服务商，覆盖南非，支持即时出款。公开费率：1.5-2%。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：1.5-2%",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://eftpay.co.za",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "instant-payout",
        "regional",
        "startup-friendly",
        "南非",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fintoc",
      "name": "Fintoc",
      "aliases": [],
      "website_url": "https://fintoc.com",
      "category": "open banking, account-to-account payments",
      "region": "Latin America",
      "coverage": "Chile, Mexico",
      "services": [
        "account-to-account",
        "bank transfer",
        "checkout",
        "payout"
      ],
      "introduction": "Fintoc 提供账户到账户支付和开放银行相关 API，支持 Checkout Session、收款代收和转账场景。",
      "fee_note": "官网文档说明费用从每日 payout 中扣除，取决于 pricing plan；具体费率需查看 Fees Guide 或商业方案。",
      "settlement_note": "官网文档公开 Chile 可每日银行截点小于 1 个工作日或 1 个工作日；Mexico 为每日 business-day cut-off，通常 1 个工作日。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fintoc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Chile",
        "Mexico",
        "active / raw import",
        "instant-payout",
        "latin-america",
        "low-fees",
        "open banking",
        "regional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-flow-cl",
      "name": "Flow Chile",
      "aliases": [],
      "website_url": "https://flow.cl",
      "category": "regional",
      "region": "latin-america",
      "coverage": "智利 | 墨西哥 | 秘鲁",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "银行转账",
        "POS收单"
      ],
      "introduction": "Flow Chile 是一家区域型支付服务商，覆盖智利、墨西哥、秘鲁，支持订阅/周期扣款、即时出款、银行转账、POS收单。公开费率：Bank transfers 单笔从0.99%起 加 VAT (+$100 CLP fixed); cards/wallets/cash 2.89%–3.19% 加 VAT。结算：下一个工作日。",
      "fee_note": "公开费率：Bank transfers 单笔从0.99%起 加 VAT (+$100 CLP fixed); cards/wallets/cash 2.89%–3.19% 加 VAT",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://flow.cl",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "instant-payout",
        "latin-america",
        "recurring-payments",
        "regional",
        "即时出款",
        "周期扣款",
        "墨西哥",
        "智利",
        "秘鲁",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paytrail",
      "name": "Paytrail",
      "aliases": [],
      "website_url": "https://paytrail.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "欧盟 | 芬兰",
      "services": [
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Paytrail 是一家传统收单/支付服务商，覆盖欧盟、芬兰，支持信用卡/借记卡、先买后付(BNPL)、订阅/周期扣款。公开费率：From €59/month 加 transaction fees。结算：1–2个工作日。",
      "fee_note": "公开费率：From €59/month 加 transaction fees",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paytrail.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "周期扣款",
        "欧盟",
        "芬兰",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payward",
      "name": "Payward",
      "aliases": [],
      "website_url": "https://payward.com",
      "category": "baas, crypto",
      "region": "asia, europe, latin-america, north-america, oceania",
      "coverage": "阿根廷 | 奥地利 | 澳大利亚 | 比利时 | 加拿大 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 爱尔兰 | 意大利 | 日本 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 瑞典 | 美国",
      "services": [
        "加密货币"
      ],
      "introduction": "Payward 是一家银行即服务(BaaS)服务商，覆盖阿根廷、奥地利、澳大利亚、比利时、加拿大、德国等，支持加密货币。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payward.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "baas",
        "crypto",
        "crypto-support",
        "europe",
        "latin-america",
        "north-america",
        "oceania",
        "加密货币",
        "加拿大",
        "奥地利",
        "德国",
        "意大利",
        "挪威",
        "日本",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "瑞典",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-citypay-io",
      "name": "CityPay.io",
      "aliases": [],
      "website_url": "https://citypay.io",
      "category": "crypto, regional",
      "region": "asia",
      "coverage": "亚美尼亚 | 阿塞拜疆 | 格鲁吉亚 | 哈萨克斯坦 | 乌兹别克斯坦",
      "services": [
        "加密货币",
        "POS收单"
      ],
      "introduction": "CityPay.io 是一家加密货币支付服务商，覆盖亚美尼亚、阿塞拜疆、格鲁吉亚、哈萨克斯坦、乌兹别克斯坦，支持加密货币、POS收单。公开费率：1% 单笔, no setup or monthly fees。结算：需向服务商确认（公开信息：6 block confirmations for Bitcoin）。",
      "fee_note": "公开费率：1% 单笔, no setup or monthly fees",
      "settlement_note": "需向服务商确认（公开信息：6 block confirmations for Bitcoin）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://citypay.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "regional",
        "startup-friendly",
        "乌兹别克斯坦",
        "亚美尼亚",
        "加密货币",
        "哈萨克斯坦",
        "格鲁吉亚",
        "阿塞拜疆"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lunu",
      "name": "Lunu",
      "aliases": [],
      "website_url": "https://lunu.io",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "POS收单"
      ],
      "introduction": "Lunu 是一家加密货币支付服务商，覆盖全球，支持加密货币、POS收单。公开费率：1% 单笔。结算：即时。",
      "fee_note": "公开费率：1% 单笔",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lunu.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "north-america",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ramp-network",
      "name": "Ramp Network",
      "aliases": [],
      "website_url": "https://ramp.network",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Ramp Network 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：单笔从0.49%起 单笔。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：单笔从0.49%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ramp.network",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "north-america",
        "startup-friendly",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-scotiabank",
      "name": "Scotiabank",
      "aliases": [],
      "website_url": "https://scotiabank.com",
      "category": "regional, traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "巴西 | 加拿大 | 智利 | 哥伦比亚 | 多米尼加 | 英国 | 牙买加 | 墨西哥 | 马来西亚 | 秘鲁 | 美国 | 乌拉圭",
      "services": [
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Scotiabank 是一家区域型支付服务商，覆盖巴西、加拿大、智利、哥伦比亚、多米尼加、英国等，支持银行转账、跨境汇款/出款。公开费率：定制(需询价) pricing for business banking and merchant services; card acceptance via Chase Merchant Services partner — published rates not disclosed by Scotiabank.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing for business banking and merchant services; card acceptance via Chase Merchant Services partner — published rates not disclosed by Scotiabank.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://scotiabank.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "latin-america",
        "north-america",
        "regional",
        "traditional",
        "乌拉圭",
        "出款",
        "加拿大",
        "哥伦比亚",
        "墨西哥",
        "多米尼加",
        "巴西",
        "智利",
        "牙买加",
        "秘鲁",
        "美国",
        "英国",
        "跨境汇款",
        "银行转账",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-benefit",
      "name": "Benefit",
      "aliases": [],
      "website_url": "https://benefit.bh",
      "category": "regional",
      "region": "middle-east",
      "coverage": "巴林",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "Benefit 是一家区域型支付服务商，覆盖巴林，支持即时出款、信用卡/借记卡、电子钱包、二维码支付。公开费率：Per-transaction。结算：下一个工作日。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://benefit.bh",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "low-fees",
        "middle-east",
        "regional",
        "二维码支付",
        "信用卡",
        "借记卡",
        "即时出款",
        "巴林",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mpesa-biz",
      "name": "M-Pesa Business",
      "aliases": [],
      "website_url": "https://safaricom.co.ke",
      "category": "regional",
      "region": "africa",
      "coverage": "刚果(金) | 埃及 | 加纳 | 肯尼亚 | 莱索托 | 莫桑比克 | 坦桑尼亚",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "M-Pesa Business 是一家区域型支付服务商，覆盖刚果(金)、埃及、加纳、肯尼亚、莱索托、莫桑比克等，支持即时出款、移动支付。公开费率：视情况而定 by transaction value。结算：即时。",
      "fee_note": "公开费率：视情况而定 by transaction value",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://safaricom.co.ke",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "instant-payout",
        "low-fees",
        "regional",
        "刚果(金)",
        "加纳",
        "即时出款",
        "坦桑尼亚",
        "埃及",
        "移动支付",
        "肯尼亚",
        "莫桑比克",
        "莱索托"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pay-nl",
      "name": "Pay.nl",
      "aliases": [],
      "website_url": "https://pay.nl",
      "category": "traditional",
      "region": "europe",
      "coverage": "比利时 | 德国 | 荷兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Pay.nl 是一家传统收单/支付服务商，覆盖比利时、德国、荷兰，支持信用卡/借记卡。公开费率：From €0.19 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From €0.19 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pay.nl",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "德国",
        "比利时",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-qiwi",
      "name": "QIWI",
      "aliases": [],
      "website_url": "https://qiwi.com",
      "category": "regional",
      "region": "asia, europe",
      "coverage": "亚美尼亚 | 白俄罗斯 | 格鲁吉亚 | 哈萨克斯坦 | 摩尔多瓦 | 俄罗斯 | 塔吉克斯坦 | 乌兹别克斯坦",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "QIWI 是一家区域型支付服务商，覆盖亚美尼亚、白俄罗斯、格鲁吉亚、哈萨克斯坦、摩尔多瓦、俄罗斯等，支持即时出款、信用卡/借记卡、电子钱包。公开费率：2-3%。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：2-3%",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://qiwi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "regional",
        "startup-friendly",
        "乌兹别克斯坦",
        "亚美尼亚",
        "俄罗斯",
        "信用卡",
        "借记卡",
        "即时出款",
        "哈萨克斯坦",
        "塔吉克斯坦",
        "摩尔多瓦",
        "格鲁吉亚",
        "电子钱包",
        "白俄罗斯"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-travelex",
      "name": "Travelex",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 澳大利亚 | 比利时 | 巴西 | 德国 | 法国 | 英国 | 中国香港 | 印度 | 日本 | 荷兰 | 新西兰 | 新加坡 | 美国",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Travelex 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、比利时、巴西、德国、法国等，支持信用卡/借记卡、现金/代金券、跨境汇款/出款。公开费率：Consumer FX: exchange-rate margin 加 ~0% commission online (Travelex Plus). Travelex Money Card: no overseas ATM fees; Mastercard interchange.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Consumer FX: exchange-rate margin 加 ~0% commission online (Travelex Plus). Travelex Money Card: no overseas ATM fees; Mastercard interchange.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "traditional",
        "中国香港",
        "代金券",
        "信用卡",
        "借记卡",
        "出款",
        "印度",
        "巴西",
        "德国",
        "新加坡",
        "新西兰",
        "日本",
        "比利时",
        "法国",
        "澳大利亚",
        "现金",
        "美国",
        "英国",
        "荷兰",
        "跨境汇款",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-anchorage-digital",
      "name": "Anchorage Digital",
      "aliases": [],
      "website_url": "https://anchorage.com",
      "category": "crypto",
      "region": "asia, north-america",
      "coverage": "日本 | 葡萄牙 | 新加坡 | 美国",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Anchorage Digital 是一家加密货币支付服务商，覆盖日本、葡萄牙、新加坡、美国，支持加密货币、信用卡/借记卡。公开费率：定制(需询价) institutional pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) institutional pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://anchorage.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "加密货币",
        "新加坡",
        "日本",
        "美国",
        "葡萄牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bitflyer",
      "name": "bitFlyer",
      "aliases": [],
      "website_url": "https://bitflyer.com",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 瑞士 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 日本 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克 | 美国",
      "services": [
        "加密货币"
      ],
      "introduction": "bitFlyer 是一家加密货币支付服务商，覆盖奥地利、比利时、保加利亚、瑞士、塞浦路斯、捷克等，支持加密货币。公开费率：Lightning trading from 10 bps (US); zero trading fees on EU buy/sell, Lightning fees per maker/taker; full fee schedule per region on /commission.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Lightning trading from 10 bps (US); zero trading fees on EU buy/sell, Lightning fees per maker/taker; full fee schedule per region on /commission.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bitflyer.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "north-america",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "加密货币",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "日本",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fondy",
      "name": "Fondy",
      "aliases": [],
      "website_url": "https://fondy.io",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Fondy 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款、跨境汇款/出款。公开费率：2.4-2.8%。结算：1–3个工作日。",
      "fee_note": "公开费率：2.4-2.8%",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fondy.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "全球",
        "出款",
        "周期扣款",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-onramper",
      "name": "Onramper",
      "aliases": [],
      "website_url": "https://onramper.com",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "电子钱包"
      ],
      "introduction": "Onramper 是一家加密货币支付服务商，覆盖全球，支持加密货币、电子钱包。公开费率：视情况而定 by provider。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：视情况而定 by provider",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://onramper.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "instant-sandbox",
        "north-america",
        "全球",
        "加密货币",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-yookassa",
      "name": "YooKassa",
      "aliases": [],
      "website_url": "https://yookassa.ru",
      "category": "regional",
      "region": "asia, europe",
      "coverage": "俄罗斯",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "移动支付"
      ],
      "introduction": "YooKassa 是一家区域型支付服务商，覆盖俄罗斯，支持订阅/周期扣款、信用卡/借记卡、银行转账、电子钱包、移动支付。公开费率：单笔从2.8%起 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：单笔从2.8%起 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://yookassa.ru",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "recurring-payments",
        "regional",
        "俄罗斯",
        "信用卡",
        "借记卡",
        "周期扣款",
        "电子钱包",
        "移动支付",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-amazon-payment-services",
      "name": "Amazon Payment Services",
      "aliases": [],
      "website_url": "https://amazonpaymentservices.com",
      "category": "traditional",
      "region": "africa, middle-east",
      "coverage": "阿联酋 | 巴林 | 埃及 | 约旦 | 科威特 | 黎巴嫩 | 阿曼 | 卡塔尔 | 沙特阿拉伯",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Amazon Payment Services 是一家传统收单/支付服务商，覆盖阿联酋、巴林、埃及、约旦、科威特、黎巴嫩等，支持订阅/周期扣款、信用卡/借记卡、电子钱包。公开费率：2.5% 加 $0.25 单笔。结算：2–3个工作日。",
      "fee_note": "公开费率：2.5% 加 $0.25 单笔",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://amazonpaymentservices.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "instant-sandbox",
        "middle-east",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "卡塔尔",
        "周期扣款",
        "埃及",
        "巴林",
        "沙特阿拉伯",
        "电子钱包",
        "科威特",
        "约旦",
        "订阅",
        "阿曼",
        "阿联酋",
        "黎巴嫩"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fawry",
      "name": "Fawry",
      "aliases": [],
      "website_url": "https://fawry.com",
      "category": "regional",
      "region": "africa, middle-east",
      "coverage": "埃及",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "Fawry 是一家区域型支付服务商，覆盖埃及，支持现金/代金券。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fawry.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "middle-east",
        "regional",
        "代金券",
        "埃及",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-helcim",
      "name": "Helcim",
      "aliases": [],
      "website_url": "https://www.helcim.com",
      "category": "North America acquiring, transparent pricing",
      "region": "North America",
      "coverage": "United States, Canada",
      "services": [
        "credit card",
        "debit card",
        "ACH",
        "EFT-PAD",
        "Interac",
        "online payments",
        "POS",
        "recurring payments"
      ],
      "introduction": "Helcim 是北美透明费率商户收单平台，提供卡支付、ACH/EFT-PAD、线上收款、POS、发票和订阅等服务。",
      "fee_note": "官网公开 Interchange+ 分层加价，例如月交易额 0-50k 时线下 interchange + 0.40% + 8¢，keyed/online interchange + 0.50% + 25¢；ACH/EFT-PAD 0.5% + 25¢，6 USD 封顶。",
      "settlement_note": "官网 pricing FAQ 公开支持 gross 和 net deposit；具体到账时间需按账户/银行规则。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.helcim.com/pricing/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "ACH",
        "Interchange plus",
        "North America",
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-ing",
      "name": "ING",
      "aliases": [],
      "website_url": "https://ingwb.com",
      "category": "traditional",
      "region": "asia, europe, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 奥地利 | 澳大利亚 | 比利时 | 保加利亚 | 瑞士 | 捷克 | 德国 | 西班牙 | 法国 | 英国 | 中国香港 | 匈牙利 | 爱尔兰 | 意大利 | 日本 | 卢森堡 | 荷兰 | 波兰 | 罗马尼亚 | 瑞典 | 新加坡 | 斯洛伐克 | 美国",
      "services": [
        "银行转账",
        "POS收单",
        "跨境汇款",
        "出款"
      ],
      "introduction": "ING 是一家传统收单/支付服务商，覆盖阿联酋、奥地利、澳大利亚、比利时、保加利亚、瑞士等，支持银行转账、POS收单、跨境汇款/出款。公开费率：定制(需询价) enterprise pricing for wholesale-banking clients; not publicly published.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing for wholesale-banking clients; not publicly published.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ingwb.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "中国香港",
        "保加利亚",
        "出款",
        "匈牙利",
        "卢森堡",
        "奥地利",
        "德国",
        "意大利",
        "捷克",
        "斯洛伐克",
        "新加坡",
        "日本",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "瑞典",
        "瑞士",
        "罗马尼亚",
        "美国",
        "英国",
        "荷兰",
        "西班牙",
        "跨境汇款",
        "银行转账",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mastercard-send",
      "name": "Mastercard Send",
      "aliases": [],
      "website_url": "https://mastercard.com",
      "category": "traditional",
      "region": "africa, asia, europe, middle-east, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Mastercard Send 是一家传统收单/支付服务商，覆盖全球，支持即时出款、信用卡/借记卡、银行转账、跨境汇款/出款。公开费率：Per-transaction。结算：即时。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mastercard.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "middle-east",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payconiq",
      "name": "Bancontact Payconiq",
      "aliases": [],
      "website_url": "https://payconiq.be",
      "category": "regional",
      "region": "europe",
      "coverage": "比利时 | 卢森堡 | 荷兰",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "Bancontact Payconiq 是一家区域型支付服务商，覆盖比利时、卢森堡、荷兰，支持即时出款、移动支付、二维码支付。公开费率：€0.06 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：€0.06 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payconiq.be",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "startup-friendly",
        "二维码支付",
        "卢森堡",
        "即时出款",
        "比利时",
        "移动支付",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-classy",
      "name": "Classy",
      "aliases": [],
      "website_url": "https://classy.org",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "电子钱包",
        "捐赠",
        "募捐",
        "众筹",
        "募资"
      ],
      "introduction": "Classy 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、电子钱包、捐赠/募捐、众筹/募资。公开费率：Platform fee 加 processor。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：Platform fee 加 processor",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://classy.org",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "众筹",
        "募捐",
        "募资",
        "周期扣款",
        "捐赠",
        "电子钱包",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-openpay",
      "name": "Openpay",
      "aliases": [],
      "website_url": "https://www.openpay.mx",
      "category": "payment gateway, local payment methods",
      "region": "Latin America",
      "coverage": "Mexico, Colombia",
      "services": [
        "credit card",
        "debit card",
        "SPEI",
        "cash",
        "payment link",
        "bank transfer"
      ],
      "introduction": "Openpay 是 BBVA 体系支付网关，提供线上支付、支付链接、卡支付、SPEI/银行转账和现金支付。",
      "fee_note": "官网 Mexico 页面公开线上费率：卡 2.9% + 2.5 MXN + IVA，SPEI 8 MXN + IVA，现金 2.9% + 2.50 MXN + IVA；Colombia 文档公开 2.9% + 2.5 COP 等。",
      "settlement_note": "Colombia 文档公开每周自动付款到银行账户，也可 24 小时提现并可能有额外费用；Mexico 具体结算周期需进一步核验。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.openpay.mx/soluciones/pasarela-de-pagos",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Colombia",
        "Mexico",
        "SPEI",
        "active / raw import",
        "crypto-support",
        "latin-america",
        "regional",
        "startup-friendly"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-paymob",
      "name": "Paymob",
      "aliases": [],
      "website_url": "https://paymob.com",
      "category": "regional",
      "region": "africa, asia, middle-east",
      "coverage": "阿联酋 | 埃及 | 阿曼 | 巴基斯坦 | 沙特阿拉伯",
      "services": [
        "电子钱包",
        "POS收单"
      ],
      "introduction": "Paymob 是一家区域型支付服务商，覆盖阿联酋、埃及、阿曼、巴基斯坦、沙特阿拉伯，支持电子钱包、POS收单。公开费率：单笔从2.5%起 单笔。结算：1–3个工作日。",
      "fee_note": "公开费率：单笔从2.5%起 单笔",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymob.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "asia",
        "middle-east",
        "regional",
        "startup-friendly",
        "埃及",
        "巴基斯坦",
        "沙特阿拉伯",
        "电子钱包",
        "阿曼",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-circle",
      "name": "Circle",
      "aliases": [],
      "website_url": "https://circle.com",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "电子钱包"
      ],
      "introduction": "Circle 是一家加密货币支付服务商，覆盖全球，支持加密货币、电子钱包。公开费率：Low per-transfer。结算：即时。",
      "fee_note": "公开费率：Low per-transfer",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://circle.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "north-america",
        "全球",
        "加密货币",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tawakal",
      "name": "Tawakal Express",
      "aliases": [],
      "website_url": "https://tawakalexpress.net",
      "category": "regional, traditional",
      "region": "africa, asia, europe, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 澳大利亚 | 孟加拉国 | 加拿大 | 吉布提 | 埃及 | 埃塞俄比亚 | 英国 | 印度尼西亚 | 印度 | 约旦 | 肯尼亚 | 科威特 | 黎巴嫩 | 斯里兰卡 | 摩洛哥 | 挪威 | 尼泊尔 | 菲律宾 | 巴基斯坦 | 瑞典 | 乌干达 | 美国",
      "services": [
        "银行转账",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Tawakal Express 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、孟加拉国、加拿大、吉布提、埃及等，支持银行转账、电子钱包、现金/代金券、跨境汇款/出款。公开费率：Consumer remittance: low fees plus FX margin; rates not published — quoted in-app or at agent locations.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Consumer remittance: low fees plus FX margin; rates not published — quoted in-app or at agent locations.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tawakalexpress.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "traditional",
        "乌干达",
        "代金券",
        "出款",
        "加拿大",
        "印度",
        "印度尼西亚",
        "吉布提",
        "埃及",
        "埃塞俄比亚",
        "孟加拉国",
        "尼泊尔",
        "巴基斯坦",
        "挪威",
        "摩洛哥",
        "斯里兰卡",
        "澳大利亚",
        "现金",
        "瑞典",
        "电子钱包",
        "科威特",
        "约旦",
        "美国",
        "肯尼亚",
        "英国",
        "菲律宾",
        "跨境汇款",
        "银行转账",
        "阿联酋",
        "黎巴嫩"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-curo-payments",
      "name": "CURO Payments",
      "aliases": [],
      "website_url": "https://curopayments.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 立陶宛 | 卢森堡 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "CURO Payments 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持跨境汇款/出款。公开费率：定制(需询价) pricing; rates depend on transaction volume — contact sales for quote.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing; rates depend on transaction volume — contact sales for quote.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://curopayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "冰岛",
        "出款",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "跨境汇款",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-edenred",
      "name": "Edenred",
      "aliases": [],
      "website_url": "https://edenred.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "阿联酋 | 阿尔巴尼亚 | 阿根廷 | 奥地利 | 澳大利亚 | 比利时 | 保加利亚 | 巴西 | 加拿大 | 瑞士 | 智利 | 哥伦比亚 | 哥斯达黎加 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 匈牙利 | 印度 | 意大利 | 日本 | 立陶宛 | 卢森堡 | 墨西哥 | 尼加拉瓜 | 荷兰 | 秘鲁 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 新加坡 | 斯洛伐克 | 土耳其 | 中国台湾 | 乌克兰 | 美国 | 乌拉圭",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "Edenred 是一家传统收单/支付服务商，覆盖阿联酋、阿尔巴尼亚、阿根廷、奥地利、澳大利亚、比利时等，支持信用卡/借记卡、现金/代金券。公开费率：Commission-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Commission-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://edenred.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "中国台湾",
        "乌克兰",
        "乌拉圭",
        "代金券",
        "保加利亚",
        "信用卡",
        "借记卡",
        "加拿大",
        "匈牙利",
        "卢森堡",
        "印度",
        "哥伦比亚",
        "哥斯达黎加",
        "土耳其",
        "墨西哥",
        "奥地利",
        "尼加拉瓜",
        "巴西",
        "希腊",
        "德国",
        "意大利",
        "捷克",
        "斯洛伐克",
        "新加坡",
        "日本",
        "智利",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱沙尼亚",
        "现金",
        "瑞典",
        "瑞士",
        "秘鲁",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "阿尔巴尼亚",
        "阿根廷",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payone",
      "name": "Payone",
      "aliases": [],
      "website_url": "https://payone.com",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 德国",
      "services": [
        "银行转账",
        "账单",
        "发票支付"
      ],
      "introduction": "Payone 是一家区域型支付服务商，覆盖奥地利、德国，支持银行转账、账单/发票支付。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payone.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "发票支付",
        "奥地利",
        "德国",
        "账单",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payfirma",
      "name": "Payfirma",
      "aliases": [],
      "website_url": "https://payfirma.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Payfirma 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：Contact for pricing。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payfirma.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-xfers",
      "name": "Xfers",
      "aliases": [],
      "website_url": "https://xfers.com",
      "category": "regional",
      "region": "asia",
      "coverage": "中国香港 | 印度尼西亚 | 马来西亚 | 菲律宾 | 新加坡",
      "services": [
        "加密货币",
        "电子钱包"
      ],
      "introduction": "Xfers 是一家区域型支付服务商，覆盖中国香港、印度尼西亚、马来西亚、菲律宾、新加坡，支持加密货币、电子钱包。公开费率：2.9% 加 $0.50。结算：1–2个工作日。",
      "fee_note": "公开费率：2.9% 加 $0.50",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://xfers.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "crypto-support",
        "regional",
        "startup-friendly",
        "中国香港",
        "加密货币",
        "印度尼西亚",
        "新加坡",
        "电子钱包",
        "菲律宾",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-corvuspay",
      "name": "Corvus Pay",
      "aliases": [],
      "website_url": "https://corvuspay.com",
      "category": "regional",
      "region": "europe",
      "coverage": "波黑 | 克罗地亚 | 北马其顿 | 塞尔维亚 | 斯洛文尼亚",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Corvus Pay 是一家区域型支付服务商，覆盖波黑、克罗地亚、北马其顿、塞尔维亚、斯洛文尼亚，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://corvuspay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "克罗地亚",
        "北马其顿",
        "周期扣款",
        "塞尔维亚",
        "斯洛文尼亚",
        "波黑",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tipalti",
      "name": "Tipalti",
      "aliases": [],
      "website_url": "https://tipalti.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Tipalti 是一家传统收单/支付服务商，覆盖全球，支持即时出款、跨境汇款/出款。公开费率：Contact for pricing。结算：视情况而定。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tipalti.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-forte",
      "name": "Forte Payment Systems",
      "aliases": [],
      "website_url": "https://forte.net",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Forte Payment Systems 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、信用卡/借记卡、银行转账。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://forte.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "美国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-request-finance",
      "name": "Request Finance",
      "aliases": [],
      "website_url": "https://request.finance",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Request Finance 是一家加密货币支付服务商，覆盖全球，支持加密货币、订阅/周期扣款。公开费率：$99+/month。结算：即时。",
      "fee_note": "公开费率：$99+/month",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://request.finance",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "north-america",
        "recurring-payments",
        "全球",
        "加密货币",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ayoconnect",
      "name": "Ayoconnect",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "印度尼西亚",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Ayoconnect 是一家区域型支付服务商，覆盖印度尼西亚，支持订阅/周期扣款。公开费率：定制(需询价) API pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) API pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "recurring-payments",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "印度尼西亚",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ecospend",
      "name": "Ecospend",
      "aliases": [],
      "website_url": "https://ecospend.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 拉脱维亚 | 荷兰 | 挪威 | 波兰 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "银行转账"
      ],
      "introduction": "Ecospend 是一家传统收单/支付服务商，覆盖奥地利、比利时、保加利亚、捷克、德国、爱沙尼亚等，支持银行转账。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ecospend.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "low-fees",
        "traditional",
        "保加利亚",
        "克罗地亚",
        "匈牙利",
        "奥地利",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "西班牙",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zuora",
      "name": "Zuora",
      "aliases": [],
      "website_url": "https://zuora.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Zuora 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：Enterprise pricing from $75K/year。结算：视情况而定。",
      "fee_note": "公开费率：Enterprise pricing from $75K/year",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zuora.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "recurring-payments",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-host-merchant-services",
      "name": "Host Merchant Services",
      "aliases": [],
      "website_url": "https://hostmerchantservices.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "加拿大 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "POS收单"
      ],
      "introduction": "Host Merchant Services 是一家传统收单/支付服务商，覆盖加拿大、美国，支持订阅/周期扣款、POS收单。公开费率：Contact for pricing。结算：2–3个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hostmerchantservices.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "加拿大",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tpay",
      "name": "Tpay",
      "aliases": [],
      "website_url": "https://tpay.com",
      "category": "regional",
      "region": "europe",
      "coverage": "波兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Tpay 是一家区域型支付服务商，覆盖波兰，支持信用卡/借记卡。公开费率：1.3-2.3%。结算：1–2个工作日。",
      "fee_note": "公开费率：1.3-2.3%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "波兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-euronet",
      "name": "Euronet Worldwide",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 澳大利亚 | 德国 | 西班牙 | 法国 | 英国 | 希腊 | 匈牙利 | 印度 | 意大利 | 波兰 | 美国",
      "services": [
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Euronet Worldwide 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、德国、西班牙、法国、英国等，支持现金/代金券、跨境汇款/出款。公开费率：定制(需询价) enterprise pricing for Ren, Dandelion and CoreCard; consumer fees for Ria/Xe transfers vary by corridor and payout method.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing for Ren, Dandelion and CoreCard; consumer fees for Ria/Xe transfers vary by corridor and payout method.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "traditional",
        "代金券",
        "出款",
        "匈牙利",
        "印度",
        "希腊",
        "德国",
        "意大利",
        "法国",
        "波兰",
        "澳大利亚",
        "现金",
        "美国",
        "英国",
        "西班牙",
        "跨境汇款",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-segpay",
      "name": "Segpay",
      "aliases": [],
      "website_url": "https://segpay.com",
      "category": "high-risk",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "Segpay 是一家高风险行业支付服务商，覆盖全球，支持订阅/周期扣款、即时出款。公开费率：4-15% (high-risk)。结算：需向服务商确认（公开信息：7 business days）。",
      "fee_note": "公开费率：4-15% (high-risk)",
      "settlement_note": "需向服务商确认（公开信息：7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://segpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "north-america",
        "recurring-payments",
        "全球",
        "即时出款",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-elavon-europe",
      "name": "Elavon Europe",
      "aliases": [],
      "website_url": "https://elavon.co.uk",
      "category": "traditional",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 英国 | 爱尔兰 | 挪威 | 波兰 | 瑞典",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Elavon Europe 是一家传统收单/支付服务商，覆盖德国、西班牙、英国、爱尔兰、挪威、波兰等，支持订阅/周期扣款。公开费率：Volume-based pricing。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：Volume-based pricing",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://elavon.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "德国",
        "挪威",
        "波兰",
        "爱尔兰",
        "瑞典",
        "英国",
        "西班牙",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-maybank",
      "name": "Maybank",
      "aliases": [],
      "website_url": "https://maybank.com",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, north-america, southeast-asia",
      "coverage": "阿联酋 | 文莱 | 中国 | 英国 | 中国香港 | 印度尼西亚 | 印度 | 柬埔寨 | 老挝 | 缅甸 | 马来西亚 | 菲律宾 | 巴基斯坦 | 新加坡 | 泰国 | 美国 | 越南",
      "services": [
        "信用卡",
        "借记卡",
        "POS收单"
      ],
      "introduction": "Maybank 是一家区域型支付服务商，覆盖阿联酋、文莱、中国、英国、中国香港、印度尼西亚等，支持信用卡/借记卡、POS收单。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://maybank.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国香港",
        "信用卡",
        "借记卡",
        "印度",
        "印度尼西亚",
        "巴基斯坦",
        "文莱",
        "新加坡",
        "柬埔寨",
        "泰国",
        "缅甸",
        "美国",
        "老挝",
        "英国",
        "菲律宾",
        "越南",
        "阿联酋",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-monzo",
      "name": "Monzo",
      "aliases": [],
      "website_url": "https://monzo.com",
      "category": "regional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "Monzo 是一家区域型支付服务商，覆盖英国，支持订阅/周期扣款、即时出款。公开费率：Free personal; business from £5/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free personal; business from £5/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://monzo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "即时出款",
        "周期扣款",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-buymeacoffee",
      "name": "Buy Me a Coffee",
      "aliases": [],
      "website_url": "https://buymeacoffee.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Buy Me a Coffee 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：5% platform fee。结算：即时。",
      "fee_note": "公开费率：5% platform fee",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://buymeacoffee.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-freshbooks-payments",
      "name": "FreshBooks Payments",
      "aliases": [],
      "website_url": "https://freshbooks.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "加拿大 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账",
        "先买后付(BNPL)",
        "账单",
        "发票支付"
      ],
      "introduction": "FreshBooks Payments 是一家传统收单/支付服务商，覆盖加拿大、美国，支持订阅/周期扣款、银行转账、先买后付(BNPL)、账单/发票支付。公开费率：2.9% 加 $0.30 card; 3.5% 加 $0.30 Amex; 1% ACH; 6% 加 $0.30 BNPL。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.9% 加 $0.30 card; 3.5% 加 $0.30 Amex; 1% ACH; 6% 加 $0.30 BNPL",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://freshbooks.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "先买后付(BNPL)",
        "加拿大",
        "发票支付",
        "周期扣款",
        "美国",
        "订阅",
        "账单",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-givebutter",
      "name": "Givebutter",
      "aliases": [],
      "website_url": "https://givebutter.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐",
        "众筹",
        "募资"
      ],
      "introduction": "Givebutter 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、捐赠/募捐、众筹/募资。公开费率：Free platform and processing fees when optional donor tips are enabled; traditional payment processing fees apply otherwise。结算：2–3个工作日。",
      "fee_note": "公开费率：Free platform and processing fees when optional donor tips are enabled; traditional payment processing fees apply otherwise",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://givebutter.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "众筹",
        "募捐",
        "募资",
        "周期扣款",
        "捐赠",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moneygram",
      "name": "MoneyGram",
      "aliases": [],
      "website_url": "https://moneygram.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "MoneyGram 是一家传统收单/支付服务商，覆盖全球，支持加密货币、即时出款、跨境汇款/出款。公开费率：视情况而定 by corridor and amount。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：视情况而定 by corridor and amount",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://moneygram.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "crypto-support",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "加密货币",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payxpert",
      "name": "PayXpert",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "PayXpert 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款、即时出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "north-america",
        "recurring-payments",
        "traditional",
        "全球",
        "即时出款",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-venmo",
      "name": "Venmo",
      "aliases": [],
      "website_url": "https://venmo.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "Venmo 是一家传统收单/支付服务商，覆盖美国，支持电子钱包、二维码支付。公开费率：Free P2P (debit), 3% credit card。结算：1–2个工作日。",
      "fee_note": "公开费率：Free P2P (debit), 3% credit card",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://venmo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "二维码支付",
        "电子钱包",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-branch-intl",
      "name": "Branch International",
      "aliases": [],
      "website_url": "https://branch.co",
      "category": "regional",
      "region": "africa, asia",
      "coverage": "印度 | 肯尼亚 | 尼日利亚 | 坦桑尼亚",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Branch International 是一家区域型支付服务商，覆盖印度、肯尼亚、尼日利亚、坦桑尼亚，支持即时出款、跨境汇款/出款。公开费率：Interest on loans; wallet fees vary。结算：下一个工作日。",
      "fee_note": "公开费率：Interest on loans; wallet fees vary",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://branch.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "instant-payout",
        "regional",
        "出款",
        "印度",
        "即时出款",
        "坦桑尼亚",
        "尼日利亚",
        "肯尼亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-unifiedpost",
      "name": "Unifiedpost",
      "aliases": [],
      "website_url": "https://unifiedpostgroup.com",
      "category": "regional, traditional",
      "region": "africa, asia, europe, middle-east, southeast-asia",
      "coverage": "阿联酋 | 奥地利 | 波黑 | 比利时 | 保加利亚 | 瑞士 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 摩洛哥 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 塞尔维亚 | 瑞典 | 新加坡 | 斯洛伐克 | 越南",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "二维码支付",
        "账单",
        "发票支付"
      ],
      "introduction": "Unifiedpost 是一家区域型支付服务商，覆盖阿联酋、奥地利、波黑、比利时、保加利亚、瑞士等，支持信用卡/借记卡、银行转账、二维码支付、账单/发票支付。公开费率：定制(需询价) pricing; contact sales for a quote (no published rate card).。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing; contact sales for a quote (no published rate card).",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://unifiedpostgroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "middle-east",
        "regional",
        "southeast-asia",
        "traditional",
        "二维码支付",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "匈牙利",
        "卢森堡",
        "发票支付",
        "塞尔维亚",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "摩洛哥",
        "斯洛伐克",
        "新加坡",
        "比利时",
        "法国",
        "波兰",
        "波黑",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "账单",
        "越南",
        "银行转账",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bancontact",
      "name": "Bancontact",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "europe",
      "coverage": "比利时 | 卢森堡",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "二维码支付",
        "POS收单"
      ],
      "introduction": "Bancontact 是一家区域型支付服务商，覆盖比利时、卢森堡，支持即时出款、信用卡/借记卡、二维码支付、POS收单。公开费率：~€0.10-0.30。结算：即时。",
      "fee_note": "公开费率：~€0.10-0.30",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "信用卡",
        "借记卡",
        "卢森堡",
        "即时出款",
        "比利时"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ecpay",
      "name": "ECPay",
      "aliases": [],
      "website_url": "https://ecpay.com.tw",
      "category": "regional",
      "region": "asia",
      "coverage": "中国香港 | 马来西亚 | 新加坡 | 中国台湾",
      "services": [
        "信用卡",
        "借记卡",
        "账单",
        "发票支付"
      ],
      "introduction": "ECPay 是一家区域型支付服务商，覆盖中国香港、马来西亚、新加坡、中国台湾，支持信用卡/借记卡、账单/发票支付。公开费率：2-2.75%。结算：2–3个工作日。",
      "fee_note": "公开费率：2-2.75%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ecpay.com.tw",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "中国台湾",
        "中国香港",
        "信用卡",
        "借记卡",
        "发票支付",
        "新加坡",
        "账单",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pagadito",
      "name": "Pagadito",
      "aliases": [],
      "website_url": "https://pagadito.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "哥斯达黎加 | 多米尼加 | 危地马拉 | 洪都拉斯 | 尼加拉瓜 | 巴拿马 | 波多黎各 | 萨尔瓦多 | 美国",
      "services": [
        "二维码支付",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Pagadito 是一家区域型支付服务商，覆盖哥斯达黎加、多米尼加、危地马拉、洪都拉斯、尼加拉瓜、巴拿马等，支持二维码支付、订阅/周期扣款。公开费率：3-5%。结算：3–5个工作日。",
      "fee_note": "公开费率：3-5%",
      "settlement_note": "3–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pagadito.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "regional",
        "startup-friendly",
        "二维码支付",
        "危地马拉",
        "周期扣款",
        "哥斯达黎加",
        "多米尼加",
        "尼加拉瓜",
        "巴拿马",
        "波多黎各",
        "洪都拉斯",
        "美国",
        "萨尔瓦多",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-thunes",
      "name": "Thunes",
      "aliases": [],
      "website_url": "https://thunes.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, north-america, southeast-asia",
      "coverage": "全球",
      "services": [
        "即时出款",
        "银行转账",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Thunes 是一家传统收单/支付服务商，覆盖全球，支持即时出款、银行转账、电子钱包、跨境汇款/出款。公开费率：定制(需询价) pricing per corridor。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing per corridor",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://thunes.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "southeast-asia",
        "traditional",
        "全球",
        "出款",
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-trolley",
      "name": "Trolley",
      "aliases": [],
      "website_url": "https://trolley.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Trolley 是一家传统收单/支付服务商，覆盖全球，支持即时出款、电子钱包、跨境汇款/出款。公开费率：From $0.25 每payout。结算：需向服务商确认（公开信息：1–5 business days）。",
      "fee_note": "公开费率：From $0.25 每payout",
      "settlement_note": "需向服务商确认（公开信息：1–5 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://trolley.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "即时出款",
        "电子钱包",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-collector",
      "name": "Walley (Collector)",
      "aliases": [],
      "website_url": "https://walley.fi",
      "category": "regional",
      "region": "europe",
      "coverage": "芬兰 | 挪威 | 瑞典",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "先买后付(BNPL)",
        "账单",
        "发票支付"
      ],
      "introduction": "Walley (Collector) 是一家区域型支付服务商，覆盖芬兰、挪威、瑞典，支持信用卡/借记卡、银行转账、先买后付(BNPL)、账单/发票支付。公开费率：1.95% 加 €0.25。结算：需向服务商确认（公开信息：14–30 business days）。",
      "fee_note": "公开费率：1.95% 加 €0.25",
      "settlement_note": "需向服务商确认（公开信息：14–30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://walley.fi",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "发票支付",
        "挪威",
        "瑞典",
        "芬兰",
        "账单",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bamboo-payments",
      "name": "Bamboo Payments",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "latin-america",
      "coverage": "阿根廷 | 巴西 | 智利 | 哥伦比亚 | 哥斯达黎加 | 厄瓜多尔 | 危地马拉 | 墨西哥 | 巴拿马 | 秘鲁 | 乌拉圭",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Bamboo Payments 是一家区域型支付服务商，覆盖阿根廷、巴西、智利、哥伦比亚、哥斯达黎加、厄瓜多尔等，支持即时出款、跨境汇款/出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "latin-america",
        "regional",
        "startup-friendly",
        "乌拉圭",
        "出款",
        "危地马拉",
        "即时出款",
        "厄瓜多尔",
        "哥伦比亚",
        "哥斯达黎加",
        "墨西哥",
        "巴拿马",
        "巴西",
        "智利",
        "秘鲁",
        "跨境汇款",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-confirmo",
      "name": "Confirmo",
      "aliases": [],
      "website_url": "https://confirmo.net",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "捷克",
      "services": [
        "加密货币",
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Confirmo 是一家加密货币支付服务商，覆盖捷克，支持加密货币、即时出款、跨境汇款/出款。公开费率：Invoicing 0.8%; Payouts 0.5% 加 network fee。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：Invoicing 0.8%; Payouts 0.5% 加 network fee",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://confirmo.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "instant-payout",
        "latin-america",
        "low-fees",
        "middle-east",
        "north-america",
        "oceania",
        "出款",
        "加密货币",
        "即时出款",
        "捷克",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-corpay",
      "name": "Corpay",
      "aliases": [],
      "website_url": "https://corpay.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Corpay 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡、跨境汇款/出款。公开费率：0.3-0.8% for B2B transfers; FX markup 视情况而定。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.3-0.8% for B2B transfers; FX markup 视情况而定",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://corpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-debit-success",
      "name": "Debit Success",
      "aliases": [],
      "website_url": "https://debitsuccess.com",
      "category": "traditional",
      "region": "oceania",
      "coverage": "澳大利亚 | 英国 | 新西兰",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Debit Success 是一家传统收单/支付服务商，覆盖澳大利亚、英国、新西兰，支持订阅/周期扣款、信用卡/借记卡、银行转账。公开费率：Per-debit。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Per-debit",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://debitsuccess.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "oceania",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "新西兰",
        "澳大利亚",
        "英国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-quickpay",
      "name": "QuickPay",
      "aliases": [],
      "website_url": "https://quickpay.net",
      "category": "traditional",
      "region": "europe",
      "coverage": "欧盟",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "QuickPay 是一家传统收单/支付服务商，覆盖欧盟，支持信用卡/借记卡。公开费率：Contact for pricing。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://quickpay.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "欧盟"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-aeropay",
      "name": "Aeropay",
      "aliases": [],
      "website_url": "https://aeropay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Aeropay 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、即时出款、信用卡/借记卡、银行转账、跨境汇款/出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://aeropay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "high-risk-accepted",
        "instant-payout",
        "low-fees",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "出款",
        "即时出款",
        "周期扣款",
        "美国",
        "订阅",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-akurateco",
      "name": "Akurateco",
      "aliases": [],
      "website_url": "https://akurateco.com",
      "category": "baas",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Akurateco 是一家银行即服务(BaaS)服务商，覆盖全球，支持加密货币、订阅/周期扣款。公开费率：定制(需询价) white-label pricing; typically 0.5-1.5% processing margin。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) white-label pricing; typically 0.5-1.5% processing margin",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://akurateco.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "baas",
        "crypto-support",
        "enterprise",
        "europe",
        "instant-sandbox",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "recurring-payments",
        "southeast-asia",
        "全球",
        "加密货币",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bigcommerce-payments",
      "name": "BigCommerce Payments",
      "aliases": [],
      "website_url": "https://bigcommerce.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "BigCommerce Payments 是一家传统收单/支付服务商，覆盖澳大利亚、英国、美国，支持信用卡/借记卡。公开费率：2.59% 加 $0.49 单笔。结算：2–3个工作日。",
      "fee_note": "公开费率：2.59% 加 $0.49 单笔",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bigcommerce.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "instant-sandbox",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "澳大利亚",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-faspay",
      "name": "Faspay",
      "aliases": [],
      "website_url": "https://faspay.co.id",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "印度尼西亚",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "Faspay 是一家区域型支付服务商，覆盖印度尼西亚，支持订阅/周期扣款、信用卡/借记卡、电子钱包、二维码支付。公开费率：单笔从2%起 单笔。结算：1–3个工作日。",
      "fee_note": "公开费率：单笔从2%起 单笔",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://faspay.co.id",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "recurring-payments",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "二维码支付",
        "信用卡",
        "借记卡",
        "印度尼西亚",
        "周期扣款",
        "电子钱包",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-greenworld-tw",
      "name": "Green World (Taiwan)",
      "aliases": [],
      "website_url": "https://green-world.com.tw",
      "category": "regional",
      "region": "asia",
      "coverage": "中国台湾",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "移动支付",
        "先买后付(BNPL)"
      ],
      "introduction": "Green World (Taiwan) 是一家区域型支付服务商，覆盖中国台湾，支持订阅/周期扣款、信用卡/借记卡、移动支付、先买后付(BNPL)。公开费率：2.75% for domestic credit cards; 1% for bank transfers (min 15 TWD); 31 TWD convenience store code; 16 TWD convenience store barcode。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.75% for domestic credit cards; 1% for bank transfers (min 15 TWD); 31 TWD convenience store code; 16 TWD convenience store barcode",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://green-world.com.tw",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "中国台湾",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "周期扣款",
        "移动支付",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-swift",
      "name": "PassTo (Swift Payment Technologies)",
      "aliases": [],
      "website_url": "https://passto.co.uk",
      "category": "regional, traditional",
      "region": "africa, asia, europe, southeast-asia",
      "coverage": "安道尔 | 奥地利 | 孟加拉国 | 比利时 | 布基纳法索 | 保加利亚 | 贝宁 | 刚果(金) | 刚果(布) | 瑞士 | 科特迪瓦 | 喀麦隆 | 中国 | 哥伦比亚 | 塞浦路斯 | 捷克 | 德国 | 厄瓜多尔 | 爱沙尼亚 | 埃及 | 西班牙 | 芬兰 | 法国 | 英国 | 加纳 | 直布罗陀 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 印度 | 冰岛 | 意大利 | 肯尼亚 | 列支敦士登 | 斯里兰卡 | 立陶宛 | 卢森堡 | 拉脱维亚 | 摩洛哥 | 马里 | 马耳他 | 马来西亚 | 尼日尔 | 尼日利亚 | 荷兰 | 挪威 | 尼泊尔 | 菲律宾 | 巴基斯坦 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 新加坡 | 斯洛文尼亚 | 斯洛伐克 | 圣马力诺 | 塞内加尔 | 多哥 | 泰国 | 土耳其 | 乌干达 | 美国 | 南非 | 赞比亚",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "PassTo (Swift Payment Technologies) 是一家区域型支付服务商，覆盖安道尔、奥地利、孟加拉国、比利时、布基纳法索、保加利亚等，支持信用卡/借记卡、银行转账、跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://passto.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "low-fees",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "乌干达",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "出款",
        "列支敦士登",
        "刚果(布)",
        "刚果(金)",
        "加纳",
        "匈牙利",
        "南非",
        "卢森堡",
        "印度",
        "厄瓜多尔",
        "哥伦比亚",
        "喀麦隆",
        "土耳其",
        "圣马力诺",
        "埃及",
        "塞内加尔",
        "塞浦路斯",
        "多哥",
        "奥地利",
        "孟加拉国",
        "安道尔",
        "尼日利亚",
        "尼日尔",
        "尼泊尔",
        "巴基斯坦",
        "布基纳法索",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "摩洛哥",
        "斯洛伐克",
        "斯洛文尼亚",
        "斯里兰卡",
        "新加坡",
        "比利时",
        "法国",
        "波兰",
        "泰国",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "直布罗陀",
        "科特迪瓦",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "肯尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "菲律宾",
        "葡萄牙",
        "西班牙",
        "贝宁",
        "赞比亚",
        "跨境汇款",
        "银行转账",
        "马来西亚",
        "马耳他",
        "马里"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-castles-technology",
      "name": "Castles Technology",
      "aliases": [],
      "website_url": "https://castlestech.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "POS收单"
      ],
      "introduction": "Castles Technology 是一家传统收单/支付服务商，覆盖全球，支持POS收单。公开费率：Hardware pricing 视情况而定。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Hardware pricing 视情况而定",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://castlestech.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dayforce",
      "name": "Dayforce (Ceridian)",
      "aliases": [],
      "website_url": "https://dayforce.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, north-america, oceania",
      "coverage": "澳大利亚 | 加拿大 | 德国 | 英国 | 爱尔兰 | 毛里求斯 | 新西兰 | 美国",
      "services": [
        "即时出款"
      ],
      "introduction": "Dayforce (Ceridian) 是一家传统收单/支付服务商，覆盖澳大利亚、加拿大、德国、英国、爱尔兰、毛里求斯等，支持即时出款。公开费率：Per-employee-per-month subscription (quote-based)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-employee-per-month subscription (quote-based)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dayforce.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "oceania",
        "traditional",
        "加拿大",
        "即时出款",
        "德国",
        "新西兰",
        "毛里求斯",
        "澳大利亚",
        "爱尔兰",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-swan",
      "name": "Swan",
      "aliases": [],
      "website_url": "https://swan.io",
      "category": "baas",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 法国 | 意大利 | 荷兰",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Swan 是一家银行即服务(BaaS)服务商，覆盖德国、西班牙、法国、意大利、荷兰，支持订阅/周期扣款、信用卡/借记卡、银行转账。公开费率：Per-transaction pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://swan.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "recurring-payments",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "周期扣款",
        "德国",
        "意大利",
        "法国",
        "荷兰",
        "西班牙",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tappay",
      "name": "TapPay",
      "aliases": [],
      "website_url": "https://tappay.com",
      "category": "regional",
      "region": "asia",
      "coverage": "中国台湾",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "TapPay 是一家区域型支付服务商，覆盖中国台湾，支持信用卡/借记卡。公开费率：2.3-2.8%。结算：3–5个工作日。",
      "fee_note": "公开费率：2.3-2.8%",
      "settlement_note": "3–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tappay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "中国台湾",
        "信用卡",
        "借记卡"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-easypaisa",
      "name": "Easypaisa",
      "aliases": [],
      "website_url": "https://easypaisa.com.pk",
      "category": "regional",
      "region": "asia",
      "coverage": "巴基斯坦",
      "services": [
        "即时出款",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Easypaisa 是一家区域型支付服务商，覆盖巴基斯坦，支持即时出款、移动支付、跨境汇款/出款。公开费率：1.5%–2% for merchants。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：1.5%–2% for merchants",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://easypaisa.com.pk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "出款",
        "即时出款",
        "巴基斯坦",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payfast",
      "name": "PayFast",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayFast 是一家区域型支付服务商，覆盖南非，支持即时出款、信用卡/借记卡。公开费率：2.9% 加 R1.50。结算：2–3个工作日。",
      "fee_note": "公开费率：2.9% 加 R1.50",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "南非",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-brite-payments",
      "name": "Brite Payments",
      "aliases": [],
      "website_url": "https://britepayments.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Brite Payments 是一家传统收单/支付服务商，覆盖全球，支持即时出款、银行转账。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://britepayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "traditional",
        "全球",
        "即时出款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-directpayeu",
      "name": "DirectPayEU",
      "aliases": [],
      "website_url": "https://directpayeu.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "安道尔 | 奥地利 | 比利时 | 瑞士 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 直布罗陀 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 北马其顿 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 塞尔维亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克 | 突尼斯 | 土耳其",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "DirectPayEU 是一家传统收单/支付服务商，覆盖安道尔、奥地利、比利时、瑞士、塞浦路斯、捷克等，支持信用卡/借记卡、银行转账。公开费率：0.8-1.5% for bank transfers。结算：1–3个工作日。",
      "fee_note": "公开费率：0.8-1.5% for bank transfers",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://directpayeu.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "北马其顿",
        "卢森堡",
        "土耳其",
        "塞尔维亚",
        "塞浦路斯",
        "奥地利",
        "安道尔",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "直布罗陀",
        "突尼斯",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kg-inicis",
      "name": "KG Inicis",
      "aliases": [],
      "website_url": "https://kginicis.com",
      "category": "regional",
      "region": "asia",
      "coverage": "日本 | 韩国",
      "services": [
        "电子钱包"
      ],
      "introduction": "KG Inicis 是一家区域型支付服务商，覆盖日本、韩国，支持电子钱包。公开费率：2.2-2.8%。结算：2–3个工作日。",
      "fee_note": "公开费率：2.2-2.8%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kginicis.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "日本",
        "电子钱包",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需当地公司主体",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-plisio",
      "name": "NOWPayments Custody",
      "aliases": [],
      "website_url": "https://plisio.net",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "NOWPayments Custody 是一家加密货币支付服务商，覆盖全球，支持加密货币、跨境汇款/出款。公开费率：0.5% 单笔。结算：即时。",
      "fee_note": "公开费率：0.5% 单笔",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://plisio.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "north-america",
        "全球",
        "出款",
        "加密货币",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pay-com",
      "name": "Pay.com",
      "aliases": [],
      "website_url": "https://pay.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Pay.com 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡、银行转账。公开费率：2.9% 加 $0.30。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.9% 加 $0.30",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-sandbox",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payee",
      "name": "Payee Eftpos and Ecommerce",
      "aliases": [],
      "website_url": "https://payee.net.au",
      "category": "traditional",
      "region": "oceania",
      "coverage": "澳大利亚",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "移动支付",
        "POS收单",
        "先买后付(BNPL)"
      ],
      "introduction": "Payee Eftpos and Ecommerce 是一家传统收单/支付服务商，覆盖澳大利亚，支持信用卡/借记卡、电子钱包、移动支付、POS收单、先买后付(BNPL)。公开费率：EFTPOS 单笔从0.79%起, Ecommerce 单笔从1.4%起 加 $0.20。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：EFTPOS 单笔从0.79%起, Ecommerce 单笔从1.4%起 加 $0.20",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payee.net.au",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "low-fees",
        "oceania",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "澳大利亚",
        "电子钱包",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-woocommerce-payments",
      "name": "WooCommerce Payments",
      "aliases": [],
      "website_url": "https://woocommerce.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "WooCommerce Payments 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：2.9% 加 $0.30 单笔。结算：需向服务商确认（公开信息：2–7 business days）。",
      "fee_note": "公开费率：2.9% 加 $0.30 单笔",
      "settlement_note": "需向服务商确认（公开信息：2–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://woocommerce.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-sandbox",
        "north-america",
        "oceania",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bluecode",
      "name": "Bluecode",
      "aliases": [],
      "website_url": "https://bluecode.com",
      "category": "regional",
      "region": "africa, europe",
      "coverage": "奥地利 | 德国 | 欧盟 | 意大利 | 尼日利亚",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "移动支付",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Bluecode 是一家区域型支付服务商，覆盖奥地利、德国、欧盟、意大利、尼日利亚，支持信用卡/借记卡、银行转账、电子钱包、移动支付、二维码支付、跨境汇款/出款。公开费率：0.95-1.5%。结算：1–2个工作日。",
      "fee_note": "公开费率：0.95-1.5%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bluecode.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "regional",
        "startup-friendly",
        "二维码支付",
        "信用卡",
        "借记卡",
        "出款",
        "奥地利",
        "尼日利亚",
        "德国",
        "意大利",
        "欧盟",
        "电子钱包",
        "移动支付",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-brex",
      "name": "Brex",
      "aliases": [],
      "website_url": "https://static.cloudflareinsights.com",
      "category": "baas",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Brex 是一家银行即服务(BaaS)服务商，覆盖美国，支持信用卡/借记卡。公开费率：No annual fee for Essentials。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：No annual fee for Essentials",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://static.cloudflareinsights.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "north-america",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nequi",
      "name": "Nequi",
      "aliases": [],
      "website_url": "https://nequi.com.co",
      "category": "regional",
      "region": "latin-america",
      "coverage": "哥伦比亚",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "Nequi 是一家区域型支付服务商，覆盖哥伦比亚，支持即时出款、电子钱包、二维码支付。公开费率：单笔从1.5%起 加 VAT 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：单笔从1.5%起 加 VAT 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nequi.com.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "low-fees",
        "regional",
        "startup-friendly",
        "二维码支付",
        "即时出款",
        "哥伦比亚",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-opayo",
      "name": "Opayo",
      "aliases": [],
      "website_url": "https://opayo.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "英国 | 爱尔兰",
      "services": [
        "电子钱包"
      ],
      "introduction": "Opayo 是一家传统收单/支付服务商，覆盖英国、爱尔兰，支持电子钱包。公开费率：From £25/month。结算：2–3个工作日。",
      "fee_note": "公开费率：From £25/month",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://opayo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "startup-friendly",
        "traditional",
        "爱尔兰",
        "电子钱包",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-transfi",
      "name": "TransFi",
      "aliases": [],
      "website_url": "https://transfi.com",
      "category": "traditional",
      "region": "asia, latin-america, north-america, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "TransFi 是一家传统收单/支付服务商，覆盖全球，支持加密货币、跨境汇款/出款。公开费率：单笔从0.5%起 单笔。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：单笔从0.5%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://transfi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "crypto-support",
        "latin-america",
        "low-fees",
        "north-america",
        "southeast-asia",
        "traditional",
        "全球",
        "出款",
        "加密货币",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-american-express-network",
      "name": "American Express",
      "aliases": [],
      "website_url": "https://americanexpress.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "American Express 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款、信用卡/借记卡。公开费率：2.5-3.5% merchant。结算：需向服务商确认（公开信息：3–7 business days）。",
      "fee_note": "公开费率：2.5-3.5% merchant",
      "settlement_note": "需向服务商确认（公开信息：3–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://americanexpress.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-monerium",
      "name": "Monerium",
      "aliases": [],
      "website_url": "https://monerium.com",
      "category": "baas, crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "阿联酋 | 奥地利 | 澳大利亚 | 比利时 | 保加利亚 | 巴西 | 加拿大 | 瑞士 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 日本 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 新加坡 | 斯洛文尼亚 | 斯洛伐克 | 美国 | 南非",
      "services": [
        "加密货币",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "Monerium 是一家银行即服务(BaaS)服务商，覆盖阿联酋、奥地利、澳大利亚、比利时、保加利亚、巴西等，支持加密货币、银行转账、电子钱包。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://monerium.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "baas",
        "crypto",
        "crypto-support",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "加密货币",
        "加拿大",
        "匈牙利",
        "南非",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "巴西",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "新加坡",
        "日本",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "电子钱包",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "阿联酋",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paytr",
      "name": "PayTR",
      "aliases": [],
      "website_url": "https://paytr.com",
      "category": "regional",
      "region": "europe, middle-east",
      "coverage": "土耳其",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "PayTR 是一家区域型支付服务商，覆盖土耳其，支持即时出款、信用卡/借记卡、银行转账、电子钱包。公开费率：定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paytr.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "middle-east",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "即时出款",
        "土耳其",
        "电子钱包",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-railsbank",
      "name": "Railsbank",
      "aliases": [],
      "website_url": "https://railsbank.com",
      "category": "baas",
      "region": "asia, europe, north-america",
      "coverage": "欧盟 | 英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Railsbank 是一家银行即服务(BaaS)服务商，覆盖欧盟、英国，支持信用卡/借记卡。公开费率：Contact for pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://railsbank.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "baas",
        "europe",
        "north-america",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "欧盟",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-stitch",
      "name": "Stitch",
      "aliases": [],
      "website_url": "https://stitch.money",
      "category": "baas",
      "region": "africa",
      "coverage": "加纳 | 肯尼亚 | 尼日利亚 | 南非",
      "services": [
        "加密货币",
        "银行转账"
      ],
      "introduction": "Stitch 是一家银行即服务(BaaS)服务商，覆盖加纳、肯尼亚、尼日利亚、南非，支持加密货币、银行转账。公开费率：Per-API-call pricing。结算：即时。",
      "fee_note": "公开费率：Per-API-call pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://stitch.money",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "baas",
        "crypto-support",
        "startup-friendly",
        "加密货币",
        "加纳",
        "南非",
        "尼日利亚",
        "肯尼亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-chainalysis",
      "name": "Chainalysis",
      "aliases": [],
      "website_url": "https://chainalysis.com",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "加密货币",
        "电子钱包"
      ],
      "introduction": "Chainalysis 是一家加密货币支付服务商，覆盖全球，支持加密货币、电子钱包。公开费率：定制(需询价) enterprise pricing (contact sales)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing (contact sales)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://chainalysis.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "全球",
        "加密货币",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-affinipay",
      "name": "AffiniPay (8am)",
      "aliases": [],
      "website_url": "https://affinipay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "加拿大 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "AffiniPay (8am) 是一家传统收单/支付服务商，覆盖加拿大、美国，支持订阅/周期扣款。公开费率：2.95% 加 $0.30。结算：1–2个工作日。",
      "fee_note": "公开费率：2.95% 加 $0.30",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://affinipay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "加拿大",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-beyonic",
      "name": "Beyonic",
      "aliases": [],
      "website_url": "https://beyonic.com",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳 | 肯尼亚 | 卢旺达 | 坦桑尼亚 | 乌干达",
      "services": [
        "即时出款",
        "电子钱包",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Beyonic 是一家区域型支付服务商，覆盖加纳、肯尼亚、卢旺达、坦桑尼亚、乌干达，支持即时出款、电子钱包、移动支付、跨境汇款/出款。公开费率：Per-transaction。结算：即时。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://beyonic.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "instant-payout",
        "regional",
        "startup-friendly",
        "乌干达",
        "出款",
        "加纳",
        "卢旺达",
        "即时出款",
        "坦桑尼亚",
        "电子钱包",
        "移动支付",
        "肯尼亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-western-union",
      "name": "Western Union",
      "aliases": [],
      "website_url": "https://westernunion.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "即时出款",
        "移动支付",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Western Union 是一家传统收单/支付服务商，覆盖全球，支持即时出款、移动支付、现金/代金券、跨境汇款/出款。公开费率：视情况而定 by corridor and method。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：视情况而定 by corridor and method",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://westernunion.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "instant-payout",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "代金券",
        "全球",
        "出款",
        "即时出款",
        "现金",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-charity-engine",
      "name": "Charity Engine",
      "aliases": [],
      "website_url": "https://charityengine.ca",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "捐赠",
        "募捐",
        "众筹",
        "募资"
      ],
      "introduction": "Charity Engine 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、信用卡/借记卡、银行转账、电子钱包、捐赠/募捐、众筹/募资。公开费率：2.2% 加 $0.30。结算：需向服务商确认（公开信息：3 business days）。",
      "fee_note": "公开费率：2.2% 加 $0.30",
      "settlement_note": "需向服务商确认（公开信息：3 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://charityengine.ca",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "众筹",
        "信用卡",
        "借记卡",
        "募捐",
        "募资",
        "周期扣款",
        "捐赠",
        "电子钱包",
        "美国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fatora",
      "name": "Fatora",
      "aliases": [],
      "website_url": "https://fatora.io",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋 | 卡塔尔 | 沙特阿拉伯",
      "services": [
        "订阅",
        "周期扣款",
        "POS收单"
      ],
      "introduction": "Fatora 是一家区域型支付服务商，覆盖阿联酋、卡塔尔、沙特阿拉伯，支持订阅/周期扣款、POS收单。公开费率：单笔从2.5%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从2.5%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fatora.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "middle-east",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "卡塔尔",
        "周期扣款",
        "沙特阿拉伯",
        "订阅",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gopay",
      "name": "GoPay",
      "aliases": [],
      "website_url": "https://www.gopay.com/",
      "category": "payment gateway",
      "region": "Europe",
      "coverage": "CZ, PL, SK",
      "services": [
        "cards",
        "bank transfer",
        "QR payments",
        "Apple Pay",
        "Google Pay",
        "deferred payment",
        "installments"
      ],
      "introduction": "中东欧在线支付网关，服务电商和线上业务，支持卡、银行转账、QR 和分期/延期支付。",
      "fee_note": "官网公开新商户套餐：促销期后常见费率 0.95% + CZK 0；部分服务如结算转账 CZK 10、chargeback CZK 990。",
      "settlement_note": "官网费用表显示“开票并转账至银行账户”收费；结算周期未在所核验页面统一说明。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.gopay.com/en/pricing/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "QR",
        "active / raw import",
        "asia",
        "gateway",
        "instant-payout",
        "regional",
        "southeast-asia",
        "startup-friendly"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-intasend",
      "name": "IntaSend",
      "aliases": [],
      "website_url": "https://intasend.com",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳 | 肯尼亚 | 尼日利亚 | 卢旺达 | 坦桑尼亚 | 乌干达",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "IntaSend 是一家区域型支付服务商，覆盖加纳、肯尼亚、尼日利亚、卢旺达、坦桑尼亚、乌干达，支持加密货币、信用卡/借记卡、移动支付、跨境汇款/出款。公开费率：3%–5.5% 单笔。结算：2–3个工作日。",
      "fee_note": "公开费率：3%–5.5% 单笔",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://intasend.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "crypto-support",
        "regional",
        "startup-friendly",
        "乌干达",
        "信用卡",
        "借记卡",
        "出款",
        "加密货币",
        "加纳",
        "卢旺达",
        "坦桑尼亚",
        "尼日利亚",
        "移动支付",
        "肯尼亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mypos",
      "name": "myPOS",
      "aliases": [],
      "website_url": "https://mypos.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "保加利亚 | 德国 | 西班牙 | 法国 | 英国 | 意大利 | 荷兰",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "POS收单"
      ],
      "introduction": "myPOS 是一家传统收单/支付服务商，覆盖保加利亚、德国、西班牙、法国、英国、意大利等，支持即时出款、信用卡/借记卡、POS收单。公开费率：1.20% 加 €0.09 cards。结算：即时。",
      "fee_note": "公开费率：1.20% 加 €0.09 cards",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mypos.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "instant-payout",
        "startup-friendly",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "即时出款",
        "德国",
        "意大利",
        "法国",
        "英国",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-n26",
      "name": "N26",
      "aliases": [],
      "website_url": "https://n26.com",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 德国 | 西班牙 | 法国 | 爱尔兰 | 意大利",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "现金",
        "代金券"
      ],
      "introduction": "N26 是一家区域型支付服务商，覆盖奥地利、德国、西班牙、法国、爱尔兰、意大利，支持信用卡/借记卡、银行转账、现金/代金券。公开费率：Free basic account, premium from €4.90/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free basic account, premium from €4.90/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://n26.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "regional",
        "startup-friendly",
        "代金券",
        "信用卡",
        "借记卡",
        "奥地利",
        "德国",
        "意大利",
        "法国",
        "爱尔兰",
        "现金",
        "西班牙",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payu-india",
      "name": "PayU India",
      "aliases": [],
      "website_url": "https://payu.in",
      "category": "India payment gateway",
      "region": "South Asia",
      "coverage": "India",
      "services": [
        "Cards",
        "UPI",
        "Net banking",
        "Wallets",
        "BNPL",
        "EMI",
        "QR",
        "Split settlements"
      ],
      "introduction": "PayU India 是印度支付解决方案提供商，为商户提供在线和线下收款、支付网关、UPI、卡、网银、钱包、BNPL、QR 和分账结算。",
      "fee_note": "官网公开 pay-as-you-use：Visa/Mastercard、网银、BNPL、钱包等国内交易 2%；Diners、Amex、EMI、国际交易 3%；18% GST 另计；无设置费。",
      "settlement_note": "官网 FAQ 说明标准结算 T+2，同日和优先结算可用，可能另收费。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payu.in/contact-us/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "India",
        "PayU",
        "UPI",
        "active / raw import",
        "asia",
        "instant-sandbox",
        "regional",
        "startup-friendly"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-bdo-remit",
      "name": "BDO Remit",
      "aliases": [],
      "website_url": "https://bdo.com.ph",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, north-america, southeast-asia",
      "coverage": "阿联酋 | 加拿大 | 西班牙 | 法国 | 英国 | 中国香港 | 意大利 | 日本 | 中国澳门 | 菲律宾 | 美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "BDO Remit 是一家区域型支付服务商，覆盖阿联酋、加拿大、西班牙、法国、英国、中国香港等，支持跨境汇款/出款。公开费率：Per-corridor fee schedules published as PDFs (e.g. BDO Remit USA fee table updated April 2026); no single flat rate.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-corridor fee schedules published as PDFs (e.g. BDO Remit USA fee table updated April 2026); no single flat rate.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bdo.com.ph",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "regional",
        "southeast-asia",
        "traditional",
        "中国澳门",
        "中国香港",
        "出款",
        "加拿大",
        "意大利",
        "日本",
        "法国",
        "美国",
        "英国",
        "菲律宾",
        "西班牙",
        "跨境汇款",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-carbon-pay",
      "name": "Carbon",
      "aliases": [],
      "website_url": "https://getcarbon.co",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳 | 肯尼亚 | 尼日利亚",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Carbon 是一家区域型支付服务商，覆盖加纳、肯尼亚、尼日利亚，支持即时出款、信用卡/借记卡。公开费率：₦100,000 one-time fee; ₦100/month per active account 加 7.5% VAT; free deposits; variable transfer fees。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：₦100,000 one-time fee; ₦100/month per active account 加 7.5% VAT; free deposits; variable transfer fees",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://getcarbon.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "信用卡",
        "借记卡",
        "加纳",
        "即时出款",
        "尼日利亚",
        "肯尼亚"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cardnet",
      "name": "Cardnet",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "latin-america",
      "coverage": "多米尼加",
      "services": [
        "银行转账",
        "POS收单"
      ],
      "introduction": "Cardnet 是一家区域型支付服务商，覆盖多米尼加，支持银行转账、POS收单。公开费率：Merchant discount rate。结算：下一个工作日。",
      "fee_note": "公开费率：Merchant discount rate",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "多米尼加",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-connectips",
      "name": "ConnectIPS",
      "aliases": [],
      "website_url": "https://connectips.com",
      "category": "regional",
      "region": "asia",
      "coverage": "尼泊尔",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "ConnectIPS 是一家区域型支付服务商，覆盖尼泊尔，支持即时出款、银行转账。公开费率：NPR 2-8 单笔 (payer-side, tiered by amount)。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：NPR 2-8 单笔 (payer-side, tiered by amount)",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://connectips.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "尼泊尔",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-discover-global-network",
      "name": "Discover Global Network",
      "aliases": [],
      "website_url": "https://discoverglobalnetwork.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Discover Global Network 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Interchange-based (network fees vary by acquirer and region)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange-based (network fees vary by acquirer and region)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://discoverglobalnetwork.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-highnote",
      "name": "Highnote",
      "aliases": [],
      "website_url": "https://highnote.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Highnote 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://highnote.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "instant-sandbox",
        "latin-america",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hubtel",
      "name": "Hubtel",
      "aliases": [],
      "website_url": "https://hubtel.com",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付"
      ],
      "introduction": "Hubtel 是一家区域型支付服务商，覆盖加纳，支持信用卡/借记卡、银行转账、移动支付。公开费率：1.95% 单笔 for merchants (fees vary by payment method)。结算：下一个工作日。",
      "fee_note": "公开费率：1.95% 单笔 for merchants (fees vary by payment method)",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hubtel.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "加纳",
        "移动支付",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tremendous",
      "name": "Tremendous",
      "aliases": [],
      "website_url": "https://tremendous.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Tremendous 是一家传统收单/支付服务商，覆盖全球，支持即时出款、信用卡/借记卡、银行转账、电子钱包、现金/代金券、跨境汇款/出款。公开费率：Free for most payouts。结算：即时。",
      "fee_note": "公开费率：Free for most payouts",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tremendous.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "latin-america",
        "low-fees",
        "north-america",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "即时出款",
        "现金",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-postfinance",
      "name": "PostFinance",
      "aliases": [],
      "website_url": "https://postfinance.ch",
      "category": "traditional",
      "region": "europe",
      "coverage": "瑞士 | 列支敦士登",
      "services": [
        "信用卡",
        "借记卡",
        "移动支付"
      ],
      "introduction": "PostFinance 是一家传统收单/支付服务商，覆盖瑞士、列支敦士登，支持信用卡/借记卡、移动支付。公开费率：1.2-1.8%。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：1.2-1.8%",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://postfinance.ch",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "列支敦士登",
        "瑞士",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-simplex",
      "name": "Simplex",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "Simplex 是一家加密货币支付服务商，覆盖全球，支持加密货币、信用卡/借记卡、银行转账、电子钱包。公开费率：3.5%–5% 单笔。结算：需向服务商确认（公开信息：1-24 hours）。",
      "fee_note": "公开费率：3.5%–5% 单笔",
      "settlement_note": "需向服务商确认（公开信息：1-24 hours）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "全球",
        "加密货币",
        "电子钱包",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-billwerk-plus",
      "name": "Billwerk+",
      "aliases": [],
      "website_url": "https://billwerk.plus",
      "category": "traditional",
      "region": "europe",
      "coverage": "德国 | 挪威 | 瑞典",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Billwerk+ 是一家传统收单/支付服务商，覆盖德国、挪威、瑞典，支持订阅/周期扣款。公开费率：Platform 加 per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Platform 加 per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://billwerk.plus",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "德国",
        "挪威",
        "瑞典",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-eftpos-australia",
      "name": "EFTPOS Australia",
      "aliases": [],
      "website_url": "https://eftposaustralia.com.au",
      "category": "regional",
      "region": "oceania",
      "coverage": "澳大利亚",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "EFTPOS Australia 是一家区域型支付服务商，覆盖澳大利亚，支持信用卡/借记卡、电子钱包、二维码支付。公开费率：22% wholesale scheme fee reduction (May 2025)。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：22% wholesale scheme fee reduction (May 2025)",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://eftposaustralia.com.au",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "low-fees",
        "oceania",
        "regional",
        "二维码支付",
        "信用卡",
        "借记卡",
        "澳大利亚",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dailypay",
      "name": "DailyPay",
      "aliases": [],
      "website_url": "https://dailypay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "DailyPay 是一家传统收单/支付服务商，覆盖美国，支持即时出款、信用卡/借记卡、现金/代金券。公开费率：$2.99 per instant transfer。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：$2.99 per instant transfer",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dailypay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "即时出款",
        "现金",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-danske-bank-mobilepay",
      "name": "Danske Bank MobilePay",
      "aliases": [],
      "website_url": "https://danskebank.dk",
      "category": "regional",
      "region": "europe",
      "coverage": "芬兰 | 挪威",
      "services": [
        "订阅",
        "周期扣款",
        "电子钱包"
      ],
      "introduction": "Danske Bank MobilePay 是一家区域型支付服务商，覆盖芬兰、挪威，支持订阅/周期扣款、电子钱包。公开费率：DKK 0.30-0.80 per in-store transaction; 1.49% 加 DKK 1 online plus monthly subscription from DKK 195。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：DKK 0.30-0.80 per in-store transaction; 1.49% 加 DKK 1 online plus monthly subscription from DKK 195",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://danskebank.dk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "recurring-payments",
        "regional",
        "周期扣款",
        "挪威",
        "电子钱包",
        "芬兰",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fonepay-nepal",
      "name": "Fonepay Nepal",
      "aliases": [],
      "website_url": "https://fonepay.com.np",
      "category": "regional",
      "region": "asia",
      "coverage": "尼泊尔",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Fonepay Nepal 是一家区域型支付服务商，覆盖尼泊尔，支持即时出款、电子钱包、二维码支付、跨境汇款/出款。公开费率：Low per-transaction。结算：即时。",
      "fee_note": "公开费率：Low per-transaction",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fonepay.com.np",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "出款",
        "即时出款",
        "尼泊尔",
        "电子钱包",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-instarem",
      "name": "InstaReM",
      "aliases": [],
      "website_url": "https://instarem.com",
      "category": "traditional",
      "region": "asia, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "InstaReM 是一家传统收单/支付服务商，覆盖全球，支持即时出款、跨境汇款/出款。公开费率：Low FX markup。结算：即时。",
      "fee_note": "公开费率：Low FX markup",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://instarem.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "oceania",
        "southeast-asia",
        "traditional",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bitso",
      "name": "Bitso",
      "aliases": [],
      "website_url": "https://bitso.com",
      "category": "crypto",
      "region": "latin-america, north-america",
      "coverage": "阿根廷 | 巴西 | 哥伦比亚 | 墨西哥 | 美国",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Bitso 是一家加密货币支付服务商，覆盖阿根廷、巴西、哥伦比亚、墨西哥、美国，支持加密货币、跨境汇款/出款。公开费率：单笔从0.1%起 trading fee。结算：即时。",
      "fee_note": "公开费率：单笔从0.1%起 trading fee",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bitso.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "high-risk-accepted",
        "latin-america",
        "low-fees",
        "north-america",
        "出款",
        "加密货币",
        "哥伦比亚",
        "墨西哥",
        "巴西",
        "美国",
        "跨境汇款",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-duitnow",
      "name": "DuitNow",
      "aliases": [],
      "website_url": "https://duitnow.my",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "马来西亚",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "电子钱包",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "DuitNow 是一家区域型支付服务商，覆盖马来西亚，支持订阅/周期扣款、即时出款、电子钱包、二维码支付、跨境汇款/出款。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://duitnow.my",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "recurring-payments",
        "regional",
        "southeast-asia",
        "二维码支付",
        "出款",
        "即时出款",
        "周期扣款",
        "电子钱包",
        "订阅",
        "跨境汇款",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-epoint-az",
      "name": "Epoint",
      "aliases": [],
      "website_url": "https://epoint.az",
      "category": "regional",
      "region": "asia",
      "coverage": "阿塞拜疆 | 格鲁吉亚",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Epoint 是一家区域型支付服务商，覆盖阿塞拜疆、格鲁吉亚，支持订阅/周期扣款、即时出款、信用卡/借记卡、跨境汇款/出款。公开费率：Transaction-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Transaction-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://epoint.az",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "出款",
        "即时出款",
        "周期扣款",
        "格鲁吉亚",
        "订阅",
        "跨境汇款",
        "阿塞拜疆"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ixopay",
      "name": "IXOPAY",
      "aliases": [],
      "website_url": "https://ixopay.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "IXOPAY 是一家传统收单/支付服务商，覆盖全球，支持加密货币。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ixopay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "crypto-support",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lightspeed-commerce",
      "name": "Lightspeed Commerce",
      "aliases": [],
      "website_url": "https://lightspeedhq.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 比利时 | 德国 | 法国 | 英国 | 荷兰 | 美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Lightspeed Commerce 是一家传统收单/支付服务商，覆盖澳大利亚、比利时、德国、法国、英国、荷兰等，支持POS收单。公开费率：2.6% 加 $0.10。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：2.6% 加 $0.10",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lightspeedhq.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "north-america",
        "oceania",
        "startup-friendly",
        "traditional",
        "德国",
        "比利时",
        "法国",
        "澳大利亚",
        "美国",
        "英国",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-barion",
      "name": "Barion",
      "aliases": [],
      "website_url": "https://barion.com",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 捷克 | 德国 | 匈牙利 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Barion 是一家区域型支付服务商，覆盖奥地利、捷克、德国、匈牙利、斯洛文尼亚、斯洛伐克，支持信用卡/借记卡、电子钱包。公开费率：单笔从1.2%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从1.2%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://barion.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-sandbox",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "匈牙利",
        "奥地利",
        "德国",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-komoju",
      "name": "Komoju",
      "aliases": [],
      "website_url": "https://komoju.com",
      "category": "regional",
      "region": "asia, southeast-asia",
      "coverage": "日本 | 马来西亚 | 新加坡 | 泰国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "银行转账"
      ],
      "introduction": "Komoju 是一家区域型支付服务商，覆盖日本、马来西亚、新加坡、泰国，支持订阅/周期扣款、即时出款、银行转账。公开费率：Variable by payment method。结算：需向服务商确认（公开信息：1–5 business days）。",
      "fee_note": "公开费率：Variable by payment method",
      "settlement_note": "需向服务商确认（公开信息：1–5 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://komoju.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "recurring-payments",
        "regional",
        "southeast-asia",
        "即时出款",
        "周期扣款",
        "新加坡",
        "日本",
        "泰国",
        "订阅",
        "银行转账",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-teamapt",
      "name": "TeamApt (Moniepoint)",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "africa",
      "coverage": "尼日利亚",
      "services": [
        "即时出款"
      ],
      "introduction": "TeamApt (Moniepoint) 是一家区域型支付服务商，覆盖尼日利亚，支持即时出款。公开费率：Transaction-based fees。结算：即时。",
      "fee_note": "公开费率：Transaction-based fees",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "startup-friendly",
        "即时出款",
        "尼日利亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zimpler",
      "name": "Zimpler",
      "aliases": [],
      "website_url": "https://zimpler.com",
      "category": "regional",
      "region": "europe",
      "coverage": "欧盟 | 芬兰 | 挪威 | 瑞典",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Zimpler 是一家区域型支付服务商，覆盖欧盟、芬兰、挪威、瑞典，支持跨境汇款/出款。公开费率：2.9%。结算：即时。",
      "fee_note": "公开费率：2.9%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zimpler.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "出款",
        "挪威",
        "欧盟",
        "瑞典",
        "芬兰",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bankart",
      "name": "Bankart",
      "aliases": [],
      "website_url": "https://bankart.si",
      "category": "regional",
      "region": "europe",
      "coverage": "斯洛文尼亚",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "POS收单",
        "账单",
        "发票支付"
      ],
      "introduction": "Bankart 是一家区域型支付服务商，覆盖斯洛文尼亚，支持信用卡/借记卡、银行转账、POS收单、账单/发票支付。公开费率：Per-transaction fees。结算：下一个工作日。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bankart.si",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "发票支付",
        "斯洛文尼亚",
        "账单",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-blik",
      "name": "BLIK",
      "aliases": [],
      "website_url": "https://blik.com",
      "category": "regional",
      "region": "europe",
      "coverage": "波兰 | 罗马尼亚 | 斯洛伐克",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "BLIK 是一家区域型支付服务商，覆盖波兰、罗马尼亚、斯洛伐克，支持即时出款、移动支付。公开费率：Free for consumers, merchant fees vary。结算：即时。",
      "fee_note": "公开费率：Free for consumers, merchant fees vary",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://blik.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "斯洛伐克",
        "波兰",
        "移动支付",
        "罗马尼亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fasapay",
      "name": "Fasapay",
      "aliases": [],
      "website_url": "https://fasapay.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "印度尼西亚",
      "services": [
        "加密货币"
      ],
      "introduction": "Fasapay 是一家区域型支付服务商，覆盖印度尼西亚，支持加密货币。公开费率：0.5% 加 $0.02。结算：1–3个工作日。",
      "fee_note": "公开费率：0.5% 加 $0.02",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fasapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "low-fees",
        "regional",
        "southeast-asia",
        "加密货币",
        "印度尼西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payex",
      "name": "Swedbank Pay",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe",
      "coverage": "芬兰 | 挪威 | 瑞典",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Swedbank Pay 是一家传统收单/支付服务商，覆盖芬兰、挪威、瑞典，支持信用卡/借记卡。公开费率：Contact for pricing。结算：2–3个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "挪威",
        "瑞典",
        "芬兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-buildium",
      "name": "Buildium",
      "aliases": [],
      "website_url": "https://buildium.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Buildium 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、信用卡/借记卡、银行转账。公开费率：Subscription from $62/mo 加 ACH $2.35 in / $0.99 out; credit cards 2.99%。结算：1–2个工作日。",
      "fee_note": "公开费率：Subscription from $62/mo 加 ACH $2.35 in / $0.99 out; credit cards 2.99%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://buildium.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "美国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hesabpay",
      "name": "HesabPay",
      "aliases": [],
      "website_url": "https://hesabpay.com",
      "category": "crypto, regional",
      "region": "asia, middle-east",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款",
        "电子钱包",
        "POS收单",
        "现金",
        "代金券"
      ],
      "introduction": "HesabPay 是一家加密货币支付服务商，覆盖全球，支持加密货币、即时出款、电子钱包、POS收单、现金/代金券。公开费率：0.5-2% for transactions。结算：即时。",
      "fee_note": "公开费率：0.5-2% for transactions",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hesabpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "high-risk-accepted",
        "instant-payout",
        "middle-east",
        "regional",
        "代金券",
        "全球",
        "加密货币",
        "即时出款",
        "现金",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paxos",
      "name": "Paxos",
      "aliases": [],
      "website_url": "https://paxos.com",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "电子钱包"
      ],
      "introduction": "Paxos 是一家加密货币支付服务商，覆盖全球，支持加密货币、电子钱包。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paxos.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "north-america",
        "全球",
        "加密货币",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-qpay",
      "name": "QPay",
      "aliases": [],
      "website_url": "https://qpay.com.qa",
      "category": "regional",
      "region": "middle-east",
      "coverage": "蒙古",
      "services": [
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "QPay 是一家区域型支付服务商，覆盖蒙古，支持电子钱包、二维码支付。公开费率：2-3%。结算：即时。",
      "fee_note": "公开费率：2-3%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://qpay.com.qa",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "regional",
        "startup-friendly",
        "二维码支付",
        "电子钱包",
        "蒙古"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-solaris",
      "name": "Solaris",
      "aliases": [],
      "website_url": "https://solarisgroup.com",
      "category": "baas",
      "region": "europe",
      "coverage": "德国 | 欧洲经济区 | 欧盟",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Solaris 是一家银行即服务(BaaS)服务商，覆盖德国、欧洲经济区、欧盟，支持订阅/周期扣款、信用卡/借记卡。公开费率：定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://solarisgroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "recurring-payments",
        "信用卡",
        "借记卡",
        "周期扣款",
        "德国",
        "欧洲经济区",
        "欧盟",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zalopay",
      "name": "ZaloPay",
      "aliases": [],
      "website_url": "https://zalopay.vn",
      "category": "regional",
      "region": "asia",
      "coverage": "越南",
      "services": [
        "电子钱包",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "ZaloPay 是一家区域型支付服务商，覆盖越南，支持电子钱包、移动支付、跨境汇款/出款。公开费率：1%–2%。结算：1–2个工作日。",
      "fee_note": "公开费率：1%–2%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zalopay.vn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "startup-friendly",
        "出款",
        "电子钱包",
        "移动支付",
        "越南",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-billhop",
      "name": "Billhop",
      "aliases": [],
      "website_url": "https://billhop.com",
      "category": "regional, traditional",
      "region": "europe, middle-east",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 瑞士 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 以色列 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Billhop 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、瑞士、塞浦路斯、捷克等，支持信用卡/借记卡、银行转账。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://billhop.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "middle-east",
        "regional",
        "traditional",
        "以色列",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-digicel-mycash",
      "name": "Digicel MyCash",
      "aliases": [],
      "website_url": "https://digicelgroup.com",
      "category": "regional",
      "region": "latin-america, oceania",
      "coverage": "斐济 | 海地 | 牙买加 | 巴布亚新几内亚 | 汤加 | 瓦努阿图 | 萨摩亚",
      "services": [
        "电子钱包",
        "移动支付",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Digicel MyCash 是一家区域型支付服务商，覆盖斐济、海地、牙买加、巴布亚新几内亚、汤加、瓦努阿图等，支持电子钱包、移动支付、现金/代金券、跨境汇款/出款。公开费率：Deposits, P2P transfers, bill and QR payments free; withdrawals FJ$1-3 tiered; wallet-to-bank FJ$0.50。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Deposits, P2P transfers, bill and QR payments free; withdrawals FJ$1-3 tiered; wallet-to-bank FJ$0.50",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://digicelgroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "oceania",
        "regional",
        "代金券",
        "出款",
        "巴布亚新几内亚",
        "斐济",
        "汤加",
        "海地",
        "牙买加",
        "现金",
        "瓦努阿图",
        "电子钱包",
        "移动支付",
        "萨摩亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kora-pay",
      "name": "Kora",
      "aliases": [],
      "website_url": "https://korahq.com",
      "category": "regional",
      "region": "africa",
      "coverage": "科特迪瓦 | 喀麦隆 | 埃及 | 加纳 | 肯尼亚 | 尼日利亚 | 南非",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付"
      ],
      "introduction": "Kora 是一家区域型支付服务商，覆盖科特迪瓦、喀麦隆、埃及、加纳、肯尼亚、尼日利亚等，支持订阅/周期扣款、即时出款、信用卡/借记卡、银行转账、移动支付。公开费率：0.5%–2.5% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.5%–2.5% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://korahq.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "加纳",
        "南非",
        "即时出款",
        "周期扣款",
        "喀麦隆",
        "埃及",
        "尼日利亚",
        "科特迪瓦",
        "移动支付",
        "肯尼亚",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-riva",
      "name": "Riva",
      "aliases": [],
      "website_url": "https://rivamoney.com",
      "category": "crypto, regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 瑞士 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 爱尔兰 | 意大利 | 卢森堡 | 荷兰 | 波兰 | 葡萄牙 | 瑞典 | 美国",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Riva 是一家加密货币支付服务商，覆盖奥地利、比利时、瑞士、德国、西班牙、芬兰等，支持加密货币、跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://rivamoney.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "regional",
        "traditional",
        "出款",
        "加密货币",
        "卢森堡",
        "奥地利",
        "德国",
        "意大利",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "瑞典",
        "瑞士",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sezzle",
      "name": "Sezzle",
      "aliases": [],
      "website_url": "https://sezzle.com",
      "category": "traditional",
      "region": "north-america, oceania",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "先买后付(BNPL)"
      ],
      "introduction": "Sezzle 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡、先买后付(BNPL)。公开费率：6% 加 $0.30。结算：下一个工作日。",
      "fee_note": "公开费率：6% 加 $0.30",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sezzle.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "oceania",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dutchie-pay",
      "name": "Dutchie Pay",
      "aliases": [],
      "website_url": "https://dutchie.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "POS收单"
      ],
      "introduction": "Dutchie Pay 是一家高风险行业支付服务商，覆盖美国，支持信用卡/借记卡、银行转账、POS收单。公开费率：Interchange-plus or flat-rate 定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：Interchange-plus or flat-rate 定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dutchie.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paynearme",
      "name": "PayNearMe",
      "aliases": [],
      "website_url": "https://home.paynearme.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "PayNearMe 是一家传统收单/支付服务商，覆盖美国，支持现金/代金券。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://home.paynearme.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "代金券",
        "现金",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wyre",
      "name": "Wyre",
      "aliases": [],
      "website_url": "https://sendwyre.com",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Wyre 是一家加密货币支付服务商，覆盖英国、美国，支持加密货币、信用卡/借记卡、银行转账。公开费率：单笔从0.25%起 单笔。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：单笔从0.25%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sendwyre.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "north-america",
        "信用卡",
        "借记卡",
        "加密货币",
        "美国",
        "英国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cayan",
      "name": "Cayan (TSYS)",
      "aliases": [],
      "website_url": "https://cayan.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Cayan (TSYS) 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing (quote-based merchant services)。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing (quote-based merchant services)",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cayan.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-sandbox",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dock-financial",
      "name": "Dock",
      "aliases": [],
      "website_url": "https://dock.tech",
      "category": "baas",
      "region": "latin-america",
      "coverage": "巴西 | 哥伦比亚 | 墨西哥",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Dock 是一家银行即服务(BaaS)服务商，覆盖巴西、哥伦比亚、墨西哥，支持银行即服务(BaaS)。公开费率：Platform 加 per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Platform 加 per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dock.tech",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "latin-america",
        "哥伦比亚",
        "墨西哥",
        "巴西",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-duck-creek",
      "name": "Duck Creek Payments",
      "aliases": [],
      "website_url": "https://duckcreek.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 加拿大 | 法国 | 英国 | 印度 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Duck Creek Payments 是一家传统收单/支付服务商，覆盖澳大利亚、加拿大、法国、英国、印度、美国，支持订阅/周期扣款、跨境汇款/出款。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://duckcreek.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "出款",
        "加拿大",
        "印度",
        "周期扣款",
        "法国",
        "澳大利亚",
        "美国",
        "英国",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-epsilon-jp",
      "name": "Epsilon (Japan)",
      "aliases": [],
      "website_url": "https://epsilon.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "移动支付"
      ],
      "introduction": "Epsilon (Japan) 是一家区域型支付服务商，覆盖日本，支持加密货币、订阅/周期扣款、信用卡/借记卡、移动支付。公开费率：3.6% 单笔。结算：2–3个工作日。",
      "fee_note": "公开费率：3.6% 单笔",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://epsilon.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "crypto-support",
        "enterprise",
        "recurring-payments",
        "regional",
        "信用卡",
        "借记卡",
        "加密货币",
        "周期扣款",
        "日本",
        "移动支付",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hps-worldwide",
      "name": "HPS Worldwide",
      "aliases": [],
      "website_url": "https://hps-worldwide.com",
      "category": "traditional",
      "region": "africa, asia, europe, middle-east",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "HPS Worldwide 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) licensing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) licensing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hps-worldwide.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "middle-east",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payrix",
      "name": "Payrix",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america, oceania",
      "coverage": "澳大利亚 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payrix 是一家传统收单/支付服务商，覆盖澳大利亚、美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-sandbox",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "澳大利亚",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ascendantfx",
      "name": "AscendantFX",
      "aliases": [],
      "website_url": "https://ascendant.world",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "加拿大 | 英国 | 美国",
      "services": [
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "AscendantFX 是一家传统收单/支付服务商，覆盖加拿大、英国、美国，支持银行转账、跨境汇款/出款。公开费率：定制(需询价) pricing per payment type, currency, and destination; quoted upfront with no published rate card.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing per payment type, currency, and destination; quoted upfront with no published rate card.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ascendant.world",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "出款",
        "加拿大",
        "美国",
        "英国",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dusupay",
      "name": "DusuPay",
      "aliases": [],
      "website_url": "https://dusupay.com",
      "category": "regional",
      "region": "africa",
      "coverage": "布基纳法索 | 贝宁 | 科特迪瓦 | 喀麦隆 | 加纳 | 几内亚 | 肯尼亚 | 马里 | 尼日利亚 | 卢旺达 | 塞内加尔 | 多哥 | 坦桑尼亚 | 乌干达 | 南非",
      "services": [
        "加密货币",
        "即时出款",
        "银行转账",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "DusuPay 是一家区域型支付服务商，覆盖布基纳法索、贝宁、科特迪瓦、喀麦隆、加纳、几内亚等，支持加密货币、即时出款、银行转账、移动支付、跨境汇款/出款。公开费率：1.5% (Enterprise) - 3.5% (Standard) 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.5% (Enterprise) - 3.5% (Standard) 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dusupay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "crypto-support",
        "instant-payout",
        "regional",
        "startup-friendly",
        "乌干达",
        "几内亚",
        "出款",
        "加密货币",
        "加纳",
        "南非",
        "卢旺达",
        "即时出款",
        "喀麦隆",
        "坦桑尼亚",
        "塞内加尔",
        "多哥",
        "尼日利亚",
        "布基纳法索",
        "科特迪瓦",
        "移动支付",
        "肯尼亚",
        "贝宁",
        "跨境汇款",
        "银行转账",
        "马里"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mercuryo",
      "name": "Mercuryo",
      "aliases": [],
      "website_url": "https://mercuryo.io",
      "category": "crypto",
      "region": "asia, europe",
      "coverage": "全球",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Mercuryo 是一家加密货币支付服务商，覆盖全球，支持加密货币、信用卡/借记卡。公开费率：1-3.95% depending on method。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：1-3.95% depending on method",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mercuryo.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "信用卡",
        "借记卡",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pesapal",
      "name": "Pesapal",
      "aliases": [],
      "website_url": "https://pesapal.com",
      "category": "regional",
      "region": "africa",
      "coverage": "肯尼亚 | 卢旺达 | 坦桑尼亚 | 乌干达",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付",
        "POS收单"
      ],
      "introduction": "Pesapal 是一家区域型支付服务商，覆盖肯尼亚、卢旺达、坦桑尼亚、乌干达，支持信用卡/借记卡、银行转账、移动支付、POS收单。公开费率：1.5%–3.5% 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：1.5%–3.5% 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pesapal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "regional",
        "startup-friendly",
        "乌干达",
        "信用卡",
        "借记卡",
        "卢旺达",
        "坦桑尼亚",
        "移动支付",
        "肯尼亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-transbank",
      "name": "Transbank",
      "aliases": [],
      "website_url": "https://transbank.cl",
      "category": "regional",
      "region": "latin-america",
      "coverage": "智利",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Transbank 是一家区域型支付服务商，覆盖智利，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://transbank.cl",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "信用卡",
        "借记卡",
        "智利"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-xoom",
      "name": "Xoom",
      "aliases": [],
      "website_url": "https://xoom.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Xoom 是一家传统收单/支付服务商，覆盖全球，支持即时出款、电子钱包、现金/代金券、跨境汇款/出款。公开费率：From $0 for some transfers。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：From $0 for some transfers",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://xoom.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "代金券",
        "全球",
        "出款",
        "即时出款",
        "现金",
        "电子钱包",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-acima",
      "name": "Acima",
      "aliases": [],
      "website_url": "https://merchantintegrations.acima.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "波多黎各 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "先买后付(BNPL)"
      ],
      "introduction": "Acima 是一家传统收单/支付服务商，覆盖波多黎各、美国，支持订阅/周期扣款、先买后付(BNPL)。公开费率：定制(需询价) merchant pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) merchant pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://merchantintegrations.acima.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-sandbox",
        "north-america",
        "recurring-payments",
        "traditional",
        "先买后付(BNPL)",
        "周期扣款",
        "波多黎各",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-chargepoint",
      "name": "ChargePoint",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "奥地利 | 加拿大 | 捷克 | 德国 | 西班牙 | 法国 | 英国 | 意大利 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 瑞典 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "ChargePoint 是一家传统收单/支付服务商，覆盖奥地利、加拿大、捷克、德国、西班牙、法国等，支持信用卡/借记卡。公开费率：Per session pricing 视情况而定。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per session pricing 视情况而定",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "奥地利",
        "德国",
        "意大利",
        "挪威",
        "捷克",
        "法国",
        "波兰",
        "瑞典",
        "美国",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dinger",
      "name": "Dinger",
      "aliases": [],
      "website_url": "https://dfrn.co",
      "category": "regional",
      "region": "asia, southeast-asia",
      "coverage": "缅甸",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Dinger 是一家区域型支付服务商，覆盖缅甸，支持信用卡/借记卡、电子钱包。公开费率：1.9%+100 MMK (KBZ Pay), 3.9% cards (Visa/Mastercard/JCB), 100,000 MMK/mo base fee。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.9%+100 MMK (KBZ Pay), 3.9% cards (Visa/Mastercard/JCB), 100,000 MMK/mo base fee",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dfrn.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "电子钱包",
        "缅甸"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-blue-media",
      "name": "Blue Media",
      "aliases": [],
      "website_url": "https://bluemedia.pl",
      "category": "regional",
      "region": "europe",
      "coverage": "波兰",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账"
      ],
      "introduction": "Blue Media 是一家区域型支付服务商，覆盖波兰，支持订阅/周期扣款、银行转账。公开费率：0.99-1.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.99-1.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bluemedia.pl",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "recurring-payments",
        "regional",
        "周期扣款",
        "波兰",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-carecredit",
      "name": "CareCredit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "CareCredit 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、信用卡/借记卡。公开费率：Merchant discount rate 视情况而定。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：Merchant discount rate 视情况而定",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-click-uzb",
      "name": "Click (Uzbekistan)",
      "aliases": [],
      "website_url": "https://click.uz",
      "category": "regional",
      "region": "asia",
      "coverage": "乌兹别克斯坦",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Click (Uzbekistan) 是一家区域型支付服务商，覆盖乌兹别克斯坦，支持即时出款、移动支付。公开费率：1% Uzcard/Humo; 1.5-2.5% Visa。结算：即时。",
      "fee_note": "公开费率：1% Uzcard/Humo; 1.5-2.5% Visa",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://click.uz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "乌兹别克斯坦",
        "即时出款",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-yapily",
      "name": "Yapily",
      "aliases": [],
      "website_url": "https://yapily.com",
      "category": "baas",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 法国 | 英国 | 爱尔兰 | 意大利 | 荷兰 | 葡萄牙",
      "services": [
        "银行转账"
      ],
      "introduction": "Yapily 是一家银行即服务(BaaS)服务商，覆盖德国、西班牙、法国、英国、爱尔兰、意大利等，支持银行转账。公开费率：Per-API-call pricing。结算：即时。",
      "fee_note": "公开费率：Per-API-call pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://yapily.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "low-fees",
        "德国",
        "意大利",
        "法国",
        "爱尔兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bond-finance",
      "name": "Bond",
      "aliases": [],
      "website_url": "https://bond.tech",
      "category": "baas",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Bond 是一家银行即服务(BaaS)服务商，覆盖美国，支持信用卡/借记卡、银行转账。公开费率：Platform subscription。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Platform subscription",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bond.tech",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "instant-sandbox",
        "north-america",
        "信用卡",
        "借记卡",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kevin-eu",
      "name": "Kevin.",
      "aliases": [],
      "website_url": "https://kevin.eu",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Kevin. 是一家传统收单/支付服务商，覆盖全球，支持即时出款、银行转账。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kevin.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "traditional",
        "全球",
        "即时出款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-truelayer",
      "name": "TrueLayer",
      "aliases": [],
      "website_url": "https://truelayer.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "欧盟 | 英国",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "TrueLayer 是一家传统收单/支付服务商，覆盖欧盟、英国，支持即时出款、信用卡/借记卡、银行转账、跨境汇款/出款。公开费率：0.1-0.5%。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：0.1-0.5%",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://truelayer.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "出款",
        "即时出款",
        "欧盟",
        "英国",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-copper-co",
      "name": "Copper.co",
      "aliases": [],
      "website_url": "https://copper.co",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Copper.co 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：定制(需询价) pricing (institutional)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing (institutional)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://copper.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "north-america",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-global-e",
      "name": "Global-e",
      "aliases": [],
      "website_url": "https://global-e.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Global-e 是一家传统收单/支付服务商，覆盖全球，支持跨境汇款/出款。公开费率：Per-transaction 加 services。结算：需向服务商确认（公开信息：15 business days）。",
      "fee_note": "公开费率：Per-transaction 加 services",
      "settlement_note": "需向服务商确认（公开信息：15 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://global-e.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ipaymu",
      "name": "iPaymu",
      "aliases": [],
      "website_url": "https://ipaymu.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "印度尼西亚",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "iPaymu 是一家区域型支付服务商，覆盖印度尼西亚，支持订阅/周期扣款、信用卡/借记卡、电子钱包。公开费率：单笔从2%起 单笔。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：单笔从2%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ipaymu.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "recurring-payments",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "印度尼西亚",
        "周期扣款",
        "电子钱包",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-martrust",
      "name": "MarTrust",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, southeast-asia",
      "coverage": "比利时 | 中国 | 塞浦路斯 | 德国 | 英国 | 希腊 | 中国香港 | 印度 | 日本 | 荷兰 | 挪威 | 菲律宾 | 葡萄牙 | 俄罗斯 | 新加坡 | 乌克兰",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "MarTrust 是一家区域型支付服务商，覆盖比利时、中国、塞浦路斯、德国、英国、希腊等，支持信用卡/借记卡、现金/代金券。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国香港",
        "乌克兰",
        "代金券",
        "俄罗斯",
        "信用卡",
        "借记卡",
        "印度",
        "塞浦路斯",
        "希腊",
        "德国",
        "挪威",
        "新加坡",
        "日本",
        "比利时",
        "现金",
        "英国",
        "荷兰",
        "菲律宾",
        "葡萄牙"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moneynetint",
      "name": "MoneyNetInt",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, north-america",
      "coverage": "英国 | 以色列 | 印度 | 美国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "MoneyNetInt 是一家区域型支付服务商，覆盖英国、以色列、印度、美国，支持信用卡/借记卡、银行转账、电子钱包、现金/代金券、跨境汇款/出款。公开费率：定制(需询价) pricing per account; multi-currency e-wallet positions on lower FX and transaction fees vs traditional banks. No public price list.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing per account; multi-currency e-wallet positions on lower FX and transaction fees vs traditional banks. No public price list.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "regional",
        "traditional",
        "代金券",
        "以色列",
        "信用卡",
        "借记卡",
        "出款",
        "印度",
        "现金",
        "电子钱包",
        "美国",
        "英国",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kcp",
      "name": "NHN KCP",
      "aliases": [],
      "website_url": "https://kcp.co.kr",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "电子钱包",
        "POS收单"
      ],
      "introduction": "NHN KCP 是一家区域型支付服务商，覆盖韩国，支持电子钱包、POS收单。公开费率：2.5-3%。结算：2–3个工作日。",
      "fee_note": "公开费率：2.5-3%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kcp.co.kr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "电子钱包",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-liqpay",
      "name": "PrivatBank LiqPay",
      "aliases": [],
      "website_url": "https://liqpay.ua",
      "category": "regional",
      "region": "europe",
      "coverage": "乌克兰",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "PrivatBank LiqPay 是一家区域型支付服务商，覆盖乌克兰，支持即时出款、二维码支付。公开费率：1.5% 单笔 for Visa, Mastercard, UnionPay and Prostir cards。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：1.5% 单笔 for Visa, Mastercard, UnionPay and Prostir cards",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://liqpay.ua",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "startup-friendly",
        "乌克兰",
        "二维码支付",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-huawei-pay",
      "name": "Huawei Pay",
      "aliases": [],
      "website_url": "https://consumer.huawei.com",
      "category": "regional",
      "region": "asia, europe",
      "coverage": "全球",
      "services": [
        "移动支付"
      ],
      "introduction": "Huawei Pay 是一家区域型支付服务商，覆盖全球，支持移动支付。公开费率：Free for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://consumer.huawei.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "low-fees",
        "regional",
        "全球",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ideal",
      "name": "iDEAL",
      "aliases": [],
      "website_url": "https://ideal.nl",
      "category": "regional",
      "region": "europe",
      "coverage": "荷兰",
      "services": [
        "即时出款",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "iDEAL 是一家区域型支付服务商，覆盖荷兰，支持即时出款、银行转账、电子钱包。公开费率：~€0.30-0.50 单笔。结算：即时。",
      "fee_note": "公开费率：~€0.30-0.50 单笔",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ideal.nl",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "电子钱包",
        "荷兰",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lemon-squeezy",
      "name": "Lemon Squeezy",
      "aliases": [],
      "website_url": "https://lemonsqueezy.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Lemon Squeezy 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：5% 加 $0.50 单笔。结算：需向服务商确认（公开信息：15 business days）。",
      "fee_note": "公开费率：5% 加 $0.50 单笔",
      "settlement_note": "需向服务商确认（公开信息：15 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lemonsqueezy.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-naverpay",
      "name": "Naver Pay",
      "aliases": [],
      "website_url": "https://naver.com",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "即时出款",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Naver Pay 是一家区域型支付服务商，覆盖韩国，支持即时出款、订阅/周期扣款。公开费率：~2-3%。结算：下一个工作日。",
      "fee_note": "公开费率：~2-3%",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://naver.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "即时出款",
        "周期扣款",
        "订阅",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fasterpay",
      "name": "FasterPay",
      "aliases": [],
      "website_url": "https://fasterpay.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, southeast-asia",
      "coverage": "德国 | 英国 | 印度 | 韩国 | 菲律宾 | 葡萄牙 | 新加坡 | 泰国 | 乌克兰 | 美国",
      "services": [
        "电子钱包",
        "订阅",
        "周期扣款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "FasterPay 是一家传统收单/支付服务商，覆盖德国、英国、印度、韩国、菲律宾、葡萄牙等，支持电子钱包、订阅/周期扣款、跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fasterpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "southeast-asia",
        "traditional",
        "乌克兰",
        "出款",
        "印度",
        "周期扣款",
        "德国",
        "新加坡",
        "泰国",
        "电子钱包",
        "美国",
        "英国",
        "菲律宾",
        "葡萄牙",
        "订阅",
        "跨境汇款",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-interac",
      "name": "Interac",
      "aliases": [],
      "website_url": "https://interac.ca",
      "category": "regional",
      "region": "north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Interac 是一家区域型支付服务商，覆盖全球，支持即时出款、信用卡/借记卡、银行转账。公开费率：$0.08-0.15 单笔。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：$0.08-0.15 单笔",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://interac.ca",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "north-america",
        "regional",
        "信用卡",
        "借记卡",
        "全球",
        "即时出款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-scalapay",
      "name": "Scalapay",
      "aliases": [],
      "website_url": "https://scalapay.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 德国 | 西班牙 | 芬兰 | 法国 | 意大利 | 荷兰 | 葡萄牙",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Scalapay 是一家传统收单/支付服务商，覆盖奥地利、比利时、德国、西班牙、芬兰、法国等，支持先买后付(BNPL)。公开费率：Merchant fees vary by volume。结算：即时。",
      "fee_note": "公开费率：Merchant fees vary by volume",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://scalapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "先买后付(BNPL)",
        "奥地利",
        "德国",
        "意大利",
        "比利时",
        "法国",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tsys",
      "name": "TSYS (Global Payments)",
      "aliases": [],
      "website_url": "https://tsys.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "英国 | 印度 | 日本 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "TSYS (Global Payments) 是一家传统收单/支付服务商，覆盖英国、印度、日本、美国，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tsys.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "印度",
        "日本",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ems-payments",
      "name": "Electronic Merchant Systems",
      "aliases": [],
      "website_url": "https://emscorporate.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Electronic Merchant Systems 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://emscorporate.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moov",
      "name": "Moov Financial",
      "aliases": [],
      "website_url": "https://moov.io",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "Moov Financial 是一家传统收单/支付服务商，覆盖美国，支持即时出款、银行转账、电子钱包。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://moov.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "instant-sandbox",
        "north-america",
        "startup-friendly",
        "traditional",
        "即时出款",
        "电子钱包",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payangel",
      "name": "PayAngel",
      "aliases": [],
      "website_url": "https://payangel.com",
      "category": "regional, traditional",
      "region": "africa, asia, europe, north-america, oceania",
      "coverage": "澳大利亚 | 孟加拉国 | 加拿大 | 科特迪瓦 | 喀麦隆 | 英国 | 加纳 | 印度 | 肯尼亚 | 莫桑比克 | 尼日利亚 | 卢旺达 | 塞内加尔 | 坦桑尼亚 | 乌干达 | 美国 | 南非",
      "services": [
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "PayAngel 是一家区域型支付服务商，覆盖澳大利亚、孟加拉国、加拿大、科特迪瓦、喀麦隆、英国等，支持电子钱包、跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payangel.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "north-america",
        "oceania",
        "regional",
        "traditional",
        "乌干达",
        "出款",
        "加拿大",
        "加纳",
        "南非",
        "卢旺达",
        "印度",
        "喀麦隆",
        "坦桑尼亚",
        "塞内加尔",
        "孟加拉国",
        "尼日利亚",
        "澳大利亚",
        "电子钱包",
        "科特迪瓦",
        "美国",
        "肯尼亚",
        "英国",
        "莫桑比克",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paygate",
      "name": "PayGate",
      "aliases": [],
      "website_url": "https://paygate.co.za",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "PayGate 是一家区域型支付服务商，覆盖南非，支持订阅/周期扣款。公开费率：2.95%。结算：2–3个工作日。",
      "fee_note": "公开费率：2.95%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paygate.co.za",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "regional",
        "南非",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-razer-gold",
      "name": "Razer Gold",
      "aliases": [],
      "website_url": "https://gold.razer.com",
      "category": "gaming",
      "region": "asia, europe, latin-america, north-america, southeast-asia",
      "coverage": "全球",
      "services": [
        "电子钱包"
      ],
      "introduction": "Razer Gold 是一家游戏支付服务商，覆盖全球，支持电子钱包。公开费率：定制(需询价) publisher fees。结算：即时。",
      "fee_note": "公开费率：定制(需询价) publisher fees",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gold.razer.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "europe",
        "gaming",
        "latin-america",
        "north-america",
        "southeast-asia",
        "virtual-items",
        "全球",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-chapa",
      "name": "Chapa",
      "aliases": [],
      "website_url": "https://chapa.co",
      "category": "regional",
      "region": "africa",
      "coverage": "埃塞俄比亚",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Chapa 是一家区域型支付服务商，覆盖埃塞俄比亚，支持信用卡/借记卡。公开费率：单笔从2%起 单笔。结算：需向服务商确认（公开信息：1–3 hours）。",
      "fee_note": "公开费率：单笔从2%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：1–3 hours）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://chapa.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "埃塞俄比亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dragonpay",
      "name": "Dragonpay",
      "aliases": [],
      "website_url": "https://dragonpay.ph",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡",
        "电子钱包",
        "先买后付(BNPL)"
      ],
      "introduction": "Dragonpay 是一家区域型支付服务商，覆盖菲律宾，支持加密货币、信用卡/借记卡、电子钱包、先买后付(BNPL)。公开费率：视情况而定 by payment method。结算：视情况而定。",
      "fee_note": "公开费率：视情况而定 by payment method",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dragonpay.ph",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "low-fees",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "加密货币",
        "电子钱包",
        "菲律宾"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-melio",
      "name": "Melio",
      "aliases": [],
      "website_url": "https://meliopayments.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Melio 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡、银行转账。公开费率：Free ACH, 2.9% cards。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Free ACH, 2.9% cards",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://meliopayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nayax",
      "name": "Nayax",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Nayax 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Per-device 加 transaction fees。结算：2–3个工作日。",
      "fee_note": "公开费率：Per-device 加 transaction fees",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pix",
      "name": "PIX",
      "aliases": [],
      "website_url": "https://bcb.gov.br",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "即时出款",
        "银行转账",
        "二维码支付"
      ],
      "introduction": "PIX 是一家区域型支付服务商，覆盖巴西，支持即时出款、银行转账、二维码支付。公开费率：Free for individuals。结算：即时。",
      "fee_note": "公开费率：Free for individuals",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bcb.gov.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "low-fees",
        "regional",
        "二维码支付",
        "即时出款",
        "巴西",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tink",
      "name": "Tink",
      "aliases": [],
      "website_url": "https://tink.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "欧盟 | 英国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Tink 是一家传统收单/支付服务商，覆盖欧盟、英国，支持信用卡/借记卡、银行转账。公开费率：Contact for pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tink.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "欧盟",
        "英国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-boulevard",
      "name": "Boulevard",
      "aliases": [],
      "website_url": "https://joinblvd.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Boulevard 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：3% credit card processing; Boulevard Offset program passes 3% to client with 1% merchant fee. Subscription tiers: Essentials $158/mo, Premier $263/mo, Prestige $369/mo, Enterprise 定制(需询价).。结算：1–2个工作日。",
      "fee_note": "公开费率：3% credit card processing; Boulevard Offset program passes 3% to client with 1% merchant fee. Subscription tiers: Essentials $158/mo, Premier $263/mo, Prestige $369/mo, Enterprise 定制(需询价).",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://joinblvd.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-toss-payments",
      "name": "Toss Payments",
      "aliases": [],
      "website_url": "https://tosspayments.com",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Toss Payments 是一家区域型支付服务商，覆盖韩国，支持信用卡/借记卡。公开费率：单笔从2.5%起 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：单笔从2.5%起 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tosspayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-sandbox",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wave-money",
      "name": "Wave Mobile Money",
      "aliases": [],
      "website_url": "https://wave.com",
      "category": "regional",
      "region": "africa",
      "coverage": "布基纳法索 | 科特迪瓦 | 冈比亚 | 马里 | 塞内加尔 | 乌干达",
      "services": [
        "移动支付",
        "现金",
        "代金券"
      ],
      "introduction": "Wave Mobile Money 是一家区域型支付服务商，覆盖布基纳法索、科特迪瓦、冈比亚、马里、塞内加尔、乌干达，支持移动支付、现金/代金券。公开费率：1% for transfers; free deposits/withdrawals。结算：即时。",
      "fee_note": "公开费率：1% for transfers; free deposits/withdrawals",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wave.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "乌干达",
        "代金券",
        "冈比亚",
        "塞内加尔",
        "布基纳法索",
        "现金",
        "科特迪瓦",
        "移动支付",
        "马里"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ascend-money",
      "name": "Ascend Money",
      "aliases": [],
      "website_url": "https://ascendmoney.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "印度尼西亚 | 柬埔寨 | 缅甸 | 菲律宾 | 泰国 | 越南",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Ascend Money 是一家区域型支付服务商，覆盖印度尼西亚、柬埔寨、缅甸、菲律宾、泰国、越南，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ascendmoney.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "印度尼西亚",
        "柬埔寨",
        "泰国",
        "缅甸",
        "菲律宾",
        "越南"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-brankas",
      "name": "Brankas",
      "aliases": [],
      "website_url": "https://brankas.com",
      "category": "baas",
      "region": "southeast-asia",
      "coverage": "印度尼西亚 | 菲律宾 | 新加坡 | 泰国 | 越南",
      "services": [
        "银行转账"
      ],
      "introduction": "Brankas 是一家银行即服务(BaaS)服务商，覆盖印度尼西亚、菲律宾、新加坡、泰国、越南，支持银行转账。公开费率：Per-API call。结算：即时。",
      "fee_note": "公开费率：Per-API call",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://brankas.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "instant-sandbox",
        "southeast-asia",
        "印度尼西亚",
        "新加坡",
        "泰国",
        "菲律宾",
        "越南",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-divvy",
      "name": "Divvy",
      "aliases": [],
      "website_url": "https://divvy.co",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Divvy 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Free software; card revenue via interchange。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free software; card revenue via interchange",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://divvy.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-newebpay",
      "name": "Newebpay",
      "aliases": [],
      "website_url": "https://newebpay.com",
      "category": "regional",
      "region": "asia",
      "coverage": "中国台湾",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Newebpay 是一家区域型支付服务商，覆盖中国台湾，支持信用卡/借记卡、电子钱包。公开费率：2.5%。结算：3–5个工作日。",
      "fee_note": "公开费率：2.5%",
      "settlement_note": "3–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://newebpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "中国台湾",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pingpong-payments",
      "name": "PingPong Payments",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "PingPong Payments 是一家区域型支付服务商，覆盖全球，支持订阅/周期扣款、跨境汇款/出款。公开费率：1% cross-border fee。结算：1–3个工作日。",
      "fee_note": "公开费率：1% cross-border fee",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "low-fees",
        "north-america",
        "recurring-payments",
        "regional",
        "全球",
        "出款",
        "周期扣款",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-remita",
      "name": "Remita",
      "aliases": [],
      "website_url": "https://remita.net",
      "category": "regional",
      "region": "africa",
      "coverage": "尼日利亚",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Remita 是一家区域型支付服务商，覆盖尼日利亚，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://remita.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "recurring-payments",
        "regional",
        "周期扣款",
        "尼日利亚",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bankful",
      "name": "Bankful",
      "aliases": [],
      "website_url": "https://bankful.com",
      "category": "high-risk",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Bankful 是一家高风险行业支付服务商，覆盖英国、美国，支持加密货币、订阅/周期扣款。公开费率：4%–7% 单笔。结算：1–2个工作日。",
      "fee_note": "公开费率：4%–7% 单笔",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bankful.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto-support",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "recurring-payments",
        "加密货币",
        "周期扣款",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-openpayd",
      "name": "OpenPayd",
      "aliases": [],
      "website_url": "https://openpayd.com",
      "category": "baas",
      "region": "europe",
      "coverage": "英国 | 土耳其",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "OpenPayd 是一家银行即服务(BaaS)服务商，覆盖英国、土耳其，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://openpayd.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "recurring-payments",
        "周期扣款",
        "土耳其",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paybox",
      "name": "Paybox",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe",
      "coverage": "欧盟 | 法国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Paybox 是一家传统收单/支付服务商，覆盖欧盟、法国，支持信用卡/借记卡。公开费率：Contact for pricing。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "欧盟",
        "法国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-emp",
      "name": "Plix",
      "aliases": [],
      "website_url": "https://plixpay.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "银行转账",
        "电子钱包"
      ],
      "introduction": "Plix 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持银行转账、电子钱包。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://plixpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "克罗地亚",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "电子钱包",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-reepay",
      "name": "Reepay",
      "aliases": [],
      "website_url": "https://reepay.com",
      "category": "regional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Reepay 是一家区域型支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：1% 加 €0.25。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：1% 加 €0.25",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://reepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-billmate",
      "name": "Billmate",
      "aliases": [],
      "website_url": "https://billmate.se",
      "category": "regional",
      "region": "europe",
      "coverage": "芬兰 | 挪威 | 瑞典",
      "services": [
        "先买后付(BNPL)",
        "账单",
        "发票支付"
      ],
      "introduction": "Billmate 是一家区域型支付服务商，覆盖芬兰、挪威、瑞典，支持先买后付(BNPL)、账单/发票支付。公开费率：1.4% 加 SEK 3。结算：需向服务商确认（公开信息：14–30 business days）。",
      "fee_note": "公开费率：1.4% 加 SEK 3",
      "settlement_note": "需向服务商确认（公开信息：14–30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://billmate.se",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "先买后付(BNPL)",
        "发票支付",
        "挪威",
        "瑞典",
        "芬兰",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pushpay",
      "name": "Pushpay",
      "aliases": [],
      "website_url": "https://pushpay.com",
      "category": "traditional",
      "region": "north-america, oceania",
      "coverage": "澳大利亚 | 新西兰 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐"
      ],
      "introduction": "Pushpay 是一家传统收单/支付服务商，覆盖澳大利亚、新西兰、美国，支持订阅/周期扣款、捐赠/募捐。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pushpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "募捐",
        "周期扣款",
        "捐赠",
        "新西兰",
        "澳大利亚",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tyro",
      "name": "Tyro",
      "aliases": [],
      "website_url": "https://tyro.com",
      "category": "traditional",
      "region": "oceania",
      "coverage": "澳大利亚",
      "services": [
        "POS收单"
      ],
      "introduction": "Tyro 是一家传统收单/支付服务商，覆盖澳大利亚，支持POS收单。公开费率：定制(需询价) pricing per industry。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing per industry",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tyro.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "low-fees",
        "oceania",
        "traditional",
        "澳大利亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-conferma-pay",
      "name": "Conferma Pay",
      "aliases": [],
      "website_url": "https://confermapay.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Conferma Pay 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://confermapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dotpay",
      "name": "DotPay",
      "aliases": [],
      "website_url": "https://dotpay.pl",
      "category": "regional",
      "region": "europe",
      "coverage": "波兰",
      "services": [
        "即时出款"
      ],
      "introduction": "DotPay 是一家区域型支付服务商，覆盖波兰，支持即时出款。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dotpay.pl",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "即时出款",
        "波兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payroc",
      "name": "Payroc",
      "aliases": [],
      "website_url": "https://payroc.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 爱尔兰 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payroc 是一家传统收单/支付服务商，覆盖英国、爱尔兰、美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payroc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "爱尔兰",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ppro",
      "name": "PPRO",
      "aliases": [],
      "website_url": "https://ppro.com",
      "category": "traditional",
      "region": "asia, europe, latin-america",
      "coverage": "巴西 | 德国 | 英国 | 新加坡",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PPRO 是一家传统收单/支付服务商，覆盖巴西、德国、英国、新加坡，支持信用卡/借记卡。公开费率：定制(需询价) pricing per method。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing per method",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ppro.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "low-fees",
        "traditional",
        "信用卡",
        "借记卡",
        "巴西",
        "德国",
        "新加坡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-stellar-network",
      "name": "Stellar (SDF)",
      "aliases": [],
      "website_url": "https://stellar.org",
      "category": "crypto",
      "region": "africa, asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Stellar (SDF) 是一家加密货币支付服务商，覆盖全球，支持加密货币、跨境汇款/出款。公开费率：Near-zero fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Near-zero fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://stellar.org",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "north-america",
        "全球",
        "出款",
        "加密货币",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tingg",
      "name": "Tingg (Cellulant)",
      "aliases": [],
      "website_url": "https://tingg.africa",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳 | 肯尼亚 | 莫桑比克 | 尼日利亚 | 坦桑尼亚 | 乌干达",
      "services": [
        "电子钱包"
      ],
      "introduction": "Tingg (Cellulant) 是一家区域型支付服务商，覆盖加纳、肯尼亚、莫桑比克、尼日利亚、坦桑尼亚、乌干达，支持电子钱包。公开费率：Per-transaction pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tingg.africa",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "regional",
        "乌干达",
        "加纳",
        "坦桑尼亚",
        "尼日利亚",
        "电子钱包",
        "肯尼亚",
        "莫桑比克"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-yoomoney",
      "name": "YooMoney",
      "aliases": [],
      "website_url": "https://yoomoney.ru",
      "category": "regional",
      "region": "asia, europe",
      "coverage": "俄罗斯",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "YooMoney 是一家区域型支付服务商，覆盖俄罗斯，支持信用卡/借记卡、电子钱包、跨境汇款/出款。公开费率：1-3%。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：1-3%",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://yoomoney.ru",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "regional",
        "startup-friendly",
        "俄罗斯",
        "信用卡",
        "借记卡",
        "出款",
        "电子钱包",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cardaq",
      "name": "Cardaq",
      "aliases": [],
      "website_url": "https://cardaq.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "奥地利 | 澳大利亚 | 比利时 | 加拿大 | 瑞士 | 捷克 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 爱尔兰 | 意大利 | 日本 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 瑞典 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Cardaq 是一家传统收单/支付服务商，覆盖奥地利、澳大利亚、比利时、加拿大、瑞士、捷克等，支持订阅/周期扣款、信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: interchange-plus。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: interchange-plus",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cardaq.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "周期扣款",
        "奥地利",
        "德国",
        "意大利",
        "挪威",
        "捷克",
        "日本",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "瑞典",
        "瑞士",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payment-depot",
      "name": "Payment Depot",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Payment Depot 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：$79+/month 加 interchange。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：$79+/month 加 interchange",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "low-fees",
        "north-america",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-papaya-global",
      "name": "Papaya Global",
      "aliases": [],
      "website_url": "https://papayaglobal.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Papaya Global 是一家传统收单/支付服务商，覆盖全球，支持跨境汇款/出款。公开费率：From $3 per payment。结算：2–5个工作日。",
      "fee_note": "公开费率：From $3 per payment",
      "settlement_note": "2–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://papayaglobal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paynow",
      "name": "PayNow",
      "aliases": [],
      "website_url": "https://abs.org.sg",
      "category": "regional",
      "region": "asia, southeast-asia",
      "coverage": "新加坡",
      "services": [
        "即时出款",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "PayNow 是一家区域型支付服务商，覆盖新加坡，支持即时出款、银行转账、跨境汇款/出款。公开费率：Low per-transaction fees。结算：即时。",
      "fee_note": "公开费率：Low per-transaction fees",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://abs.org.sg",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "出款",
        "即时出款",
        "新加坡",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-upi",
      "name": "UPI",
      "aliases": [],
      "website_url": "https://npci.org.in",
      "category": "regional",
      "region": "asia",
      "coverage": "阿联酋 | 不丹 | 印度 | 斯里兰卡 | 尼泊尔 | 新加坡",
      "services": [
        "即时出款"
      ],
      "introduction": "UPI 是一家区域型支付服务商，覆盖阿联酋、不丹、印度、斯里兰卡、尼泊尔、新加坡，支持即时出款。公开费率：Free for users。结算：即时。",
      "fee_note": "公开费率：Free for users",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://npci.org.in",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "不丹",
        "印度",
        "即时出款",
        "尼泊尔",
        "斯里兰卡",
        "新加坡",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-airtel-money-africa",
      "name": "Airtel Money Africa",
      "aliases": [],
      "website_url": "https://airtel.africa",
      "category": "regional",
      "region": "africa",
      "coverage": "刚果(金) | 刚果(布) | 加蓬 | 加纳 | 肯尼亚 | 马达加斯加 | 马拉维 | 尼日尔 | 尼日利亚 | 卢旺达 | 乍得 | 坦桑尼亚 | 乌干达 | 赞比亚",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Airtel Money Africa 是一家区域型支付服务商，覆盖刚果(金)、刚果(布)、加蓬、加纳、肯尼亚、马达加斯加等，支持订阅/周期扣款、即时出款、移动支付、跨境汇款/出款。公开费率：Tiered per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Tiered per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://airtel.africa",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "low-fees",
        "recurring-payments",
        "regional",
        "乌干达",
        "乍得",
        "出款",
        "刚果(布)",
        "刚果(金)",
        "加纳",
        "加蓬",
        "卢旺达",
        "即时出款",
        "周期扣款",
        "坦桑尼亚",
        "尼日利亚",
        "尼日尔",
        "移动支付",
        "肯尼亚",
        "订阅",
        "赞比亚",
        "跨境汇款",
        "马拉维",
        "马达加斯加"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jazzcash",
      "name": "JazzCash",
      "aliases": [],
      "website_url": "https://jazzcash.com.pk",
      "category": "regional",
      "region": "asia",
      "coverage": "巴基斯坦",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "移动支付"
      ],
      "introduction": "JazzCash 是一家区域型支付服务商，覆盖巴基斯坦，支持订阅/周期扣款、即时出款、移动支付。公开费率：1.5%–2.5% for merchants。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：1.5%–2.5% for merchants",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://jazzcash.com.pk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "recurring-payments",
        "regional",
        "即时出款",
        "周期扣款",
        "巴基斯坦",
        "移动支付",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-reach",
      "name": "Reach",
      "aliases": [],
      "website_url": "https://withreach.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Reach 是一家传统收单/支付服务商，覆盖全球，支持跨境汇款/出款。公开费率：Per-transaction 加 FX。结算：需向服务商确认（公开信息：30 business days）。",
      "fee_note": "公开费率：Per-transaction 加 FX",
      "settlement_note": "需向服务商确认（公开信息：30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://withreach.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sibs",
      "name": "SIBS (Portugal)",
      "aliases": [],
      "website_url": "https://sibs.com",
      "category": "regional",
      "region": "europe",
      "coverage": "安哥拉 | 佛得角 | 莫桑比克 | 葡萄牙",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "SIBS (Portugal) 是一家区域型支付服务商，覆盖安哥拉、佛得角、莫桑比克、葡萄牙，支持即时出款、移动支付。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sibs.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "instant-payout",
        "regional",
        "佛得角",
        "即时出款",
        "安哥拉",
        "移动支付",
        "莫桑比克",
        "葡萄牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-frimi-sri-lanka",
      "name": "FriMi",
      "aliases": [],
      "website_url": "https://frimi.lk",
      "category": "regional",
      "region": "asia",
      "coverage": "斯里兰卡",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "FriMi 是一家区域型支付服务商，覆盖斯里兰卡，支持信用卡/借记卡。公开费率：P2P free; Rs.25 interbank transfers; 1% LANKAQR; 1.8% UPI/CUP。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：P2P free; Rs.25 interbank transfers; 1% LANKAQR; 1.8% UPI/CUP",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://frimi.lk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "斯里兰卡"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-line-pay",
      "name": "LINE Pay",
      "aliases": [],
      "website_url": "https://pay.line.me",
      "category": "regional",
      "region": "asia, southeast-asia",
      "coverage": "日本 | 泰国 | 中国台湾",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "LINE Pay 是一家区域型支付服务商，覆盖日本、泰国、中国台湾，支持即时出款、移动支付、二维码支付。公开费率：2.45%–3.45% for merchants。结算：1–3个工作日。",
      "fee_note": "公开费率：2.45%–3.45% for merchants",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pay.line.me",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "southeast-asia",
        "中国台湾",
        "二维码支付",
        "即时出款",
        "日本",
        "泰国",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-robokassa",
      "name": "Robokassa",
      "aliases": [],
      "website_url": "https://robokassa.com",
      "category": "regional",
      "region": "europe",
      "coverage": "俄罗斯",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "移动支付"
      ],
      "introduction": "Robokassa 是一家区域型支付服务商，覆盖俄罗斯，支持订阅/周期扣款、即时出款、信用卡/借记卡、银行转账、电子钱包、移动支付。公开费率：2.3-7.0% depending on method。结算：1–3个工作日。",
      "fee_note": "公开费率：2.3-7.0% depending on method",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://robokassa.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "recurring-payments",
        "regional",
        "俄罗斯",
        "信用卡",
        "借记卡",
        "即时出款",
        "周期扣款",
        "电子钱包",
        "移动支付",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-toast",
      "name": "Toast",
      "aliases": [],
      "website_url": "https://pos.toasttab.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Toast 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：2.49% 加 $0.15 单笔。结算：1–2个工作日。",
      "fee_note": "公开费率：2.49% 加 $0.15 单笔",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pos.toasttab.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-treezor",
      "name": "Treezor",
      "aliases": [],
      "website_url": "https://treezor.com",
      "category": "baas",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 法国 | 意大利 | 荷兰",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账"
      ],
      "introduction": "Treezor 是一家银行即服务(BaaS)服务商，覆盖德国、西班牙、法国、意大利、荷兰，支持订阅/周期扣款、银行转账。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://treezor.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "recurring-payments",
        "周期扣款",
        "德国",
        "意大利",
        "法国",
        "荷兰",
        "西班牙",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-woori-bank",
      "name": "Woori Bank",
      "aliases": [],
      "website_url": "https://wooribank.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania, southeast-asia",
      "coverage": "阿联酋 | 澳大利亚 | 孟加拉国 | 巴西 | 中国 | 德国 | 英国 | 中国香港 | 印度尼西亚 | 印度 | 日本 | 柬埔寨 | 韩国 | 缅甸 | 菲律宾 | 俄罗斯 | 新加坡 | 美国 | 越南",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Woori Bank 是一家传统收单/支付服务商，覆盖阿联酋、澳大利亚、孟加拉国、巴西、中国、德国等，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wooribank.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "中国",
        "中国香港",
        "俄罗斯",
        "出款",
        "印度",
        "印度尼西亚",
        "孟加拉国",
        "巴西",
        "德国",
        "新加坡",
        "日本",
        "柬埔寨",
        "澳大利亚",
        "缅甸",
        "美国",
        "英国",
        "菲律宾",
        "越南",
        "跨境汇款",
        "阿联酋",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-epaypolicy",
      "name": "ePayPolicy",
      "aliases": [],
      "website_url": "https://epaypolicy.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "ePayPolicy 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://epaypolicy.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-olo-pay",
      "name": "Olo",
      "aliases": [],
      "website_url": "https://olo.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Olo 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://olo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-modern-treasury",
      "name": "Modern Treasury",
      "aliases": [],
      "website_url": "https://moderntreasury.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Modern Treasury 是一家传统收单/支付服务商，覆盖美国，支持即时出款、银行转账。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://moderntreasury.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "north-america",
        "traditional",
        "即时出款",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paypay",
      "name": "PayPay",
      "aliases": [],
      "website_url": "https://paypay.ne.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "PayPay 是一家区域型支付服务商，覆盖日本，支持即时出款、移动支付、二维码支付。公开费率：单笔从1.6%起 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：单笔从1.6%起 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paypay.ne.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "startup-friendly",
        "二维码支付",
        "即时出款",
        "日本",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-talkremit",
      "name": "TalkRemit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "europe, north-america",
      "coverage": "奥地利 | 加拿大 | 瑞士 | 德国 | 西班牙 | 英国 | 荷兰 | 挪威 | 瑞典",
      "services": [
        "银行转账",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "TalkRemit 是一家区域型支付服务商，覆盖奥地利、加拿大、瑞士、德国、西班牙、英国等，支持银行转账、电子钱包、现金/代金券、跨境汇款/出款。公开费率：No hidden fees; transfer charge plus FX margin. Company claims fees below 7-10% global remittance average. No published fee table.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：No hidden fees; transfer charge plus FX margin. Company claims fees below 7-10% global remittance average. No published fee table.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "regional",
        "traditional",
        "代金券",
        "出款",
        "加拿大",
        "奥地利",
        "德国",
        "挪威",
        "现金",
        "瑞典",
        "瑞士",
        "电子钱包",
        "英国",
        "荷兰",
        "西班牙",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-yaspa",
      "name": "Yaspa",
      "aliases": [],
      "website_url": "https://yaspa.com",
      "category": "gaming, regional, traditional",
      "region": "europe, north-america",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 瑞士 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克 | 美国",
      "services": [
        "游戏内支付",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Yaspa 是一家游戏支付服务商，覆盖奥地利、比利时、保加利亚、瑞士、塞浦路斯、捷克等，支持游戏内支付、银行转账、跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://yaspa.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "europe",
        "gaming",
        "north-america",
        "regional",
        "traditional",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "出款",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "游戏内支付",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "跨境汇款",
        "银行转账",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-appfolio-pay",
      "name": "AppFolio",
      "aliases": [],
      "website_url": "https://appfolio.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "AppFolio 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、跨境汇款/出款。公开费率：$1 per eCheck; 1.75% for Instant Pay。结算：1–2个工作日。",
      "fee_note": "公开费率：$1 per eCheck; 1.75% for Instant Pay",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://appfolio.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "出款",
        "周期扣款",
        "美国",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bakkt",
      "name": "Bakkt",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "crypto, traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Bakkt 是一家加密货币支付服务商，覆盖美国，支持加密货币、跨境汇款/出款。公开费率：Per-transaction。结算：视情况而定。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "enterprise",
        "north-america",
        "traditional",
        "出款",
        "加密货币",
        "美国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dejavoo",
      "name": "Dejavoo",
      "aliases": [],
      "website_url": "https://dejavoo.com",
      "category": "traditional",
      "region": "middle-east, north-america",
      "coverage": "加拿大 | 以色列 | 美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Dejavoo 是一家传统收单/支付服务商，覆盖加拿大、以色列、美国，支持POS收单。公开费率：Hardware 加 processing fees (定制(需询价); priced via ISOs and resellers)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Hardware 加 processing fees (定制(需询价); priced via ISOs and resellers)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dejavoo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "middle-east",
        "north-america",
        "startup-friendly",
        "traditional",
        "以色列",
        "加拿大",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-increase",
      "name": "Increase",
      "aliases": [],
      "website_url": "https://increase.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Increase 是一家传统收单/支付服务商，覆盖美国，支持即时出款、银行转账。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://increase.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "instant-sandbox",
        "north-america",
        "traditional",
        "即时出款",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-inpay",
      "name": "Inpay",
      "aliases": [],
      "website_url": "https://inpay.com",
      "category": "traditional",
      "region": "asia, europe, latin-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Inpay 是一家传统收单/支付服务商，覆盖全球，支持即时出款、银行转账、跨境汇款/出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://inpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "latin-america",
        "traditional",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lean-tech",
      "name": "Lean Technologies",
      "aliases": [],
      "website_url": "https://leantech.me",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋 | 沙特阿拉伯",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账"
      ],
      "introduction": "Lean Technologies 是一家区域型支付服务商，覆盖阿联酋、沙特阿拉伯，支持订阅/周期扣款、银行转账。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://leantech.me",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "middle-east",
        "recurring-payments",
        "regional",
        "周期扣款",
        "沙特阿拉伯",
        "订阅",
        "银行转账",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mada",
      "name": "Mada",
      "aliases": [],
      "website_url": "https://mada.com.sa",
      "category": "regional",
      "region": "middle-east",
      "coverage": "沙特阿拉伯",
      "services": [
        "信用卡",
        "借记卡",
        "POS收单"
      ],
      "introduction": "Mada 是一家区域型支付服务商，覆盖沙特阿拉伯，支持信用卡/借记卡、POS收单。公开费率：1-2%。结算：1–2个工作日。",
      "fee_note": "公开费率：1-2%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mada.com.sa",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "middle-east",
        "regional",
        "信用卡",
        "借记卡",
        "沙特阿拉伯"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-momo-wallet",
      "name": "MoMo",
      "aliases": [],
      "website_url": "https://momo.vn",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "越南",
      "services": [
        "即时出款",
        "电子钱包"
      ],
      "introduction": "MoMo 是一家区域型支付服务商，覆盖越南，支持即时出款、电子钱包。公开费率：1%–3% for merchants。结算：1–2个工作日。",
      "fee_note": "公开费率：1%–3% for merchants",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://momo.vn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "regional",
        "southeast-asia",
        "即时出款",
        "电子钱包",
        "越南"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payhere",
      "name": "PayHere",
      "aliases": [],
      "website_url": "https://payhere.lk",
      "category": "regional",
      "region": "asia",
      "coverage": "斯里兰卡",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "PayHere 是一家区域型支付服务商，覆盖斯里兰卡，支持订阅/周期扣款、信用卡/借记卡、银行转账、电子钱包。公开费率：单笔从2.5%起 单笔。结算：2–3个工作日。",
      "fee_note": "公开费率：单笔从2.5%起 单笔",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payhere.lk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "周期扣款",
        "斯里兰卡",
        "电子钱包",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-emney",
      "name": "Em@ney",
      "aliases": [],
      "website_url": "https://emoney.mt",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Em@ney 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持信用卡/借记卡、银行转账。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://emoney.mt",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fps-russia",
      "name": "Faster Payment System (Russia)",
      "aliases": [],
      "website_url": "https://cbr.ru",
      "category": "regional",
      "region": "europe",
      "coverage": "俄罗斯",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "Faster Payment System (Russia) 是一家区域型支付服务商，覆盖俄罗斯，支持即时出款、二维码支付。公开费率：C2C free up to RUB 100K/month (0.5% capped at RUB 1,500 above); C2B merchant fees 0.4-0.7%。结算：即时。",
      "fee_note": "公开费率：C2C free up to RUB 100K/month (0.5% capped at RUB 1,500 above); C2B merchant fees 0.4-0.7%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cbr.ru",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "俄罗斯",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-green-dot",
      "name": "Green Dot",
      "aliases": [],
      "website_url": "https://static.cloudflareinsights.com",
      "category": "baas",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "Green Dot 是一家银行即服务(BaaS)服务商，覆盖美国，支持信用卡/借记卡、现金/代金券。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://static.cloudflareinsights.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "north-america",
        "代金券",
        "信用卡",
        "借记卡",
        "现金",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ncr-voyix",
      "name": "NCR Voyix",
      "aliases": [],
      "website_url": "https://developer.ncr.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "POS收单"
      ],
      "introduction": "NCR Voyix 是一家传统收单/支付服务商，覆盖英国、美国，支持POS收单。公开费率：定制(需询价) enterprise pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://developer.ncr.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nganluong",
      "name": "NganLuong",
      "aliases": [],
      "website_url": "https://nganluong.vn",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "越南",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "NganLuong 是一家区域型支付服务商，覆盖越南，支持信用卡/借记卡、银行转账、电子钱包。公开费率：1-2%。结算：下一个工作日。",
      "fee_note": "公开费率：1-2%",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nganluong.vn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "电子钱包",
        "越南",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ooredoo-money",
      "name": "Ooredoo Money",
      "aliases": [],
      "website_url": "https://ooredoo.qa",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿曼 | 卡塔尔",
      "services": [
        "电子钱包",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Ooredoo Money 是一家区域型支付服务商，覆盖阿曼、卡塔尔，支持电子钱包、二维码支付、跨境汇款/出款。公开费率：1-2%。结算：即时。",
      "fee_note": "公开费率：1-2%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ooredoo.qa",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "regional",
        "startup-friendly",
        "二维码支付",
        "出款",
        "卡塔尔",
        "电子钱包",
        "跨境汇款",
        "阿曼"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ronghan",
      "name": "Ronghan International",
      "aliases": [],
      "website_url": "https://ronghan.com",
      "category": "regional, traditional",
      "region": "asia, europe, north-america",
      "coverage": "中国 | 英国 | 中国香港 | 日本 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Ronghan International 是一家区域型支付服务商，覆盖中国、英国、中国香港、日本、美国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ronghan.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "regional",
        "traditional",
        "中国",
        "中国香港",
        "信用卡",
        "借记卡",
        "日本",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tebex",
      "name": "Tebex",
      "aliases": [],
      "website_url": "https://tebex.io",
      "category": "gaming",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "游戏内支付"
      ],
      "introduction": "Tebex 是一家游戏支付服务商，覆盖全球，支持游戏内支付。公开费率：单笔从5%起 单笔。结算：需向服务商确认（公开信息：7 business days）。",
      "fee_note": "公开费率：单笔从5%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tebex.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "europe",
        "gaming",
        "north-america",
        "oceania",
        "virtual-items",
        "全球",
        "游戏内支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tithely",
      "name": "Tithe.ly",
      "aliases": [],
      "website_url": "https://tithe.ly",
      "category": "traditional",
      "region": "north-america, oceania",
      "coverage": "澳大利亚 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐"
      ],
      "introduction": "Tithe.ly 是一家传统收单/支付服务商，覆盖澳大利亚、美国，支持订阅/周期扣款、捐赠/募捐。公开费率：2.9% 加 $0.30 单笔。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：2.9% 加 $0.30 单笔",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tithe.ly",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "oceania",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "募捐",
        "周期扣款",
        "捐赠",
        "澳大利亚",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-blockbee",
      "name": "BlockBee",
      "aliases": [],
      "website_url": "https://blockbee.io",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款"
      ],
      "introduction": "BlockBee 是一家加密货币支付服务商，覆盖全球，支持加密货币、即时出款。公开费率：0.25% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.25% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://blockbee.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "instant-payout",
        "low-fees",
        "north-america",
        "全球",
        "加密货币",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-campus-commerce",
      "name": "Campus Commerce (Transact)",
      "aliases": [],
      "website_url": "https://transactcampus.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Campus Commerce (Transact) 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) institutional pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) institutional pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://transactcampus.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-m-pesa-global",
      "name": "M-Pesa Global",
      "aliases": [],
      "website_url": "https://vodafone.com",
      "category": "regional",
      "region": "africa, asia, europe",
      "coverage": "刚果(金) | 埃及 | 加纳 | 肯尼亚 | 莱索托 | 莫桑比克 | 坦桑尼亚",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "M-Pesa Global 是一家区域型支付服务商，覆盖刚果(金)、埃及、加纳、肯尼亚、莱索托、莫桑比克等，支持即时出款、信用卡/借记卡、移动支付、跨境汇款/出款。公开费率：视情况而定 by corridor。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：视情况而定 by corridor",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vodafone.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "instant-payout",
        "regional",
        "信用卡",
        "借记卡",
        "出款",
        "刚果(金)",
        "加纳",
        "即时出款",
        "坦桑尼亚",
        "埃及",
        "移动支付",
        "肯尼亚",
        "莫桑比克",
        "莱索托",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tabby",
      "name": "Tabby",
      "aliases": [],
      "website_url": "https://tabby.ai",
      "category": "traditional",
      "region": "middle-east",
      "coverage": "阿联酋 | 巴林 | 科威特 | 卡塔尔 | 沙特阿拉伯",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Tabby 是一家传统收单/支付服务商，覆盖阿联酋、巴林、科威特、卡塔尔、沙特阿拉伯，支持先买后付(BNPL)。公开费率：2.79%–5.99%。结算：需向服务商确认（公开信息：2–14 business days）。",
      "fee_note": "公开费率：2.79%–5.99%",
      "settlement_note": "需向服务商确认（公开信息：2–14 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tabby.ai",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "startup-friendly",
        "traditional",
        "先买后付(BNPL)",
        "卡塔尔",
        "巴林",
        "沙特阿拉伯",
        "科威特",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wix-payments",
      "name": "Wix Payments",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "巴西 | 德国 | 英国 | 美国",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Wix Payments 是一家传统收单/支付服务商，覆盖巴西、德国、英国、美国，支持信用卡/借记卡、电子钱包。公开费率：2.9% 加 $0.30 单笔。结算：3–5个工作日。",
      "fee_note": "公开费率：2.9% 加 $0.30 单笔",
      "settlement_note": "3–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "巴西",
        "德国",
        "电子钱包",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-worldline-sips",
      "name": "Worldline Sips",
      "aliases": [],
      "website_url": "https://sips.worldline.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "比利时 | 法国 | 卢森堡",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Worldline Sips 是一家传统收单/支付服务商，覆盖比利时、法国、卢森堡，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sips.worldline.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "卢森堡",
        "比利时",
        "法国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cashtocode",
      "name": "CashtoCode",
      "aliases": [],
      "website_url": "https://cashtocode.com",
      "category": "gaming",
      "region": "europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "CashtoCode 是一家游戏支付服务商，覆盖全球，支持现金/代金券。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cashtocode.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "europe",
        "gaming",
        "high-risk-accepted",
        "latin-america",
        "north-america",
        "代金券",
        "全球",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mercedes-pay",
      "name": "Mercedes pay",
      "aliases": [],
      "website_url": "https://group.mercedes-benz.com",
      "category": "regional, traditional",
      "region": "asia, europe, north-america",
      "coverage": "德国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Mercedes pay 是一家区域型支付服务商，覆盖德国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://group.mercedes-benz.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "德国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payu-turkey",
      "name": "PayU Turkey",
      "aliases": [],
      "website_url": "https://payu.com.tr",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayU Turkey 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：2.5% 加 ₺0.40 for cards; bank transfers 0.8%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5% 加 ₺0.40 for cards; bank transfers 0.8%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payu.com.tr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-request-network",
      "name": "Request Network",
      "aliases": [],
      "website_url": "https://request.network",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Request Network 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：Minimal network fees。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：Minimal network fees",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://request.network",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "north-america",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ccv-group",
      "name": "CCV Group",
      "aliases": [],
      "website_url": "https://ccv.eu",
      "category": "traditional",
      "region": "europe",
      "coverage": "比利时 | 德国 | 芬兰 | 荷兰",
      "services": [
        "POS收单"
      ],
      "introduction": "CCV Group 是一家传统收单/支付服务商，覆盖比利时、德国、芬兰、荷兰，支持POS收单。公开费率：Hardware 加 processing fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Hardware 加 processing fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ccv.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "德国",
        "比利时",
        "芬兰",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-goto-financial",
      "name": "GoTo Financial",
      "aliases": [],
      "website_url": "https://gotofinancial.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "印度尼西亚 | 马来西亚 | 菲律宾 | 新加坡 | 泰国",
      "services": [
        "即时出款",
        "电子钱包"
      ],
      "introduction": "GoTo Financial 是一家区域型支付服务商，覆盖印度尼西亚、马来西亚、菲律宾、新加坡、泰国，支持即时出款、电子钱包。公开费率：单笔从1%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从1%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gotofinancial.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "regional",
        "southeast-asia",
        "印度尼西亚",
        "即时出款",
        "新加坡",
        "泰国",
        "电子钱包",
        "菲律宾",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-idt-finance",
      "name": "IDT Finance",
      "aliases": [],
      "website_url": "https://idtfinance.com",
      "category": "baas, traditional",
      "region": "europe, middle-east",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 直布罗陀 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 以色列 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "银行即服务(BaaS)",
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "IDT Finance 是一家银行即服务(BaaS)服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持银行即服务(BaaS)、信用卡/借记卡、现金/代金券。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://idtfinance.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "middle-east",
        "traditional",
        "代金券",
        "以色列",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "现金",
        "瑞典",
        "直布罗陀",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行即服务(BaaS)",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-korapay",
      "name": "Korapay",
      "aliases": [],
      "website_url": "https://korapay.com",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳 | 肯尼亚 | 尼日利亚",
      "services": [
        "即时出款",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Korapay 是一家区域型支付服务商，覆盖加纳、肯尼亚、尼日利亚，支持即时出款、银行转账、跨境汇款/出款。公开费率：1.5% capped。结算：下一个工作日。",
      "fee_note": "公开费率：1.5% capped",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://korapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "startup-friendly",
        "出款",
        "加纳",
        "即时出款",
        "尼日利亚",
        "肯尼亚",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymentez",
      "name": "Nuvei Connect",
      "aliases": [],
      "website_url": "https://paymentez.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "阿根廷 | 巴西 | 智利 | 哥伦比亚 | 厄瓜多尔 | 墨西哥",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Nuvei Connect 是一家区域型支付服务商，覆盖阿根廷、巴西、智利、哥伦比亚、厄瓜多尔、墨西哥，支持信用卡/借记卡。公开费率：定制(需询价) per-country pricing。结算：2–5个工作日。",
      "fee_note": "公开费率：定制(需询价) per-country pricing",
      "settlement_note": "2–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymentez.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "厄瓜多尔",
        "哥伦比亚",
        "墨西哥",
        "巴西",
        "智利",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zero-hash",
      "name": "Zero Hash",
      "aliases": [],
      "website_url": "https://zerohash.com",
      "category": "crypto",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "加密货币"
      ],
      "introduction": "Zero Hash 是一家加密货币支付服务商，覆盖美国，支持加密货币。公开费率：定制(需询价) B2B pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) B2B pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zerohash.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "enterprise",
        "high-risk-accepted",
        "north-america",
        "加密货币",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cmi-morocco",
      "name": "CMI Morocco",
      "aliases": [],
      "website_url": "https://cmi.co.ma",
      "category": "regional",
      "region": "africa, middle-east",
      "coverage": "摩洛哥",
      "services": [
        "移动支付",
        "POS收单"
      ],
      "introduction": "CMI Morocco 是一家区域型支付服务商，覆盖摩洛哥，支持移动支付、POS收单。公开费率：定制(需询价) merchant pricing。结算：需向服务商确认（公开信息：24h Moroccan cards; 48h foreign cards）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing",
      "settlement_note": "需向服务商确认（公开信息：24h Moroccan cards; 48h foreign cards）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cmi.co.ma",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "enterprise",
        "middle-east",
        "regional",
        "摩洛哥",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-iyzico",
      "name": "iyzico",
      "aliases": [],
      "website_url": "https://iyzico.com",
      "category": "regional",
      "region": "europe, middle-east",
      "coverage": "土耳其",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "iyzico 是一家区域型支付服务商，覆盖土耳其，支持先买后付(BNPL)。公开费率：单笔从2.49%起 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：单笔从2.49%起 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://iyzico.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-sandbox",
        "middle-east",
        "regional",
        "startup-friendly",
        "先买后付(BNPL)",
        "土耳其"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-atome",
      "name": "Atome",
      "aliases": [],
      "website_url": "https://atome.sg",
      "category": "regional, traditional",
      "region": "asia, southeast-asia",
      "coverage": "中国 | 中国香港 | 印度尼西亚 | 日本 | 马来西亚 | 菲律宾 | 新加坡 | 泰国 | 中国台湾 | 越南",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Atome 是一家区域型支付服务商，覆盖中国、中国香港、印度尼西亚、日本、马来西亚、菲律宾等，支持先买后付(BNPL)。公开费率：Merchant fees vary; typically 3-5% for BNPL。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees vary; typically 3-5% for BNPL",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://atome.sg",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "traditional",
        "中国",
        "中国台湾",
        "中国香港",
        "先买后付(BNPL)",
        "印度尼西亚",
        "新加坡",
        "日本",
        "泰国",
        "菲律宾",
        "越南",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-donately",
      "name": "Donately",
      "aliases": [],
      "website_url": "https://donately.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "电子钱包",
        "捐赠",
        "募捐",
        "众筹",
        "募资"
      ],
      "introduction": "Donately 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、电子钱包、捐赠/募捐、众筹/募资。公开费率：2.9% 加 $0.30 cards (via Stripe/PayPal); 0.8% ACH (cap $5); platform fee 0%–4% depending on plan。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.9% 加 $0.30 cards (via Stripe/PayPal); 0.8% ACH (cap $5); platform fee 0%–4% depending on plan",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://donately.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "众筹",
        "募捐",
        "募资",
        "周期扣款",
        "捐赠",
        "电子钱包",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-efecty",
      "name": "Efecty",
      "aliases": [],
      "website_url": "https://efecty.com.co",
      "category": "regional",
      "region": "latin-america",
      "coverage": "哥伦比亚",
      "services": [
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Efecty 是一家区域型支付服务商，覆盖哥伦比亚，支持现金/代金券、跨境汇款/出款。公开费率：视情况而定 by transaction。结算：下一个工作日。",
      "fee_note": "公开费率：视情况而定 by transaction",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://efecty.com.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "regional",
        "代金券",
        "出款",
        "哥伦比亚",
        "现金",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-flexpay-africa",
      "name": "Flexpay Africa",
      "aliases": [],
      "website_url": "https://flexpay.cd",
      "category": "regional",
      "region": "africa",
      "coverage": "刚果(金)",
      "services": [
        "信用卡",
        "借记卡",
        "移动支付"
      ],
      "introduction": "Flexpay Africa 是一家区域型支付服务商，覆盖刚果(金)，支持信用卡/借记卡、移动支付。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://flexpay.cd",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "刚果(金)",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lydia",
      "name": "Lydia",
      "aliases": [],
      "website_url": "https://lydia-app.com",
      "category": "regional",
      "region": "europe",
      "coverage": "西班牙 | 法国 | 爱尔兰 | 葡萄牙",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Lydia 是一家区域型支付服务商，覆盖西班牙、法国、爱尔兰、葡萄牙，支持即时出款、移动支付。公开费率：Free for P2P, merchant fees apply。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for P2P, merchant fees apply",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lydia-app.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "即时出款",
        "法国",
        "爱尔兰",
        "移动支付",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-noda",
      "name": "Noda",
      "aliases": [],
      "website_url": "https://noda.live",
      "category": "traditional",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 法国 | 英国 | 荷兰 | 波兰",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Noda 是一家传统收单/支付服务商，覆盖德国、西班牙、法国、英国、荷兰、波兰，支持即时出款、银行转账。公开费率：单笔从0.3%起 单笔。结算：即时。",
      "fee_note": "公开费率：单笔从0.3%起 单笔",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://noda.live",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "traditional",
        "即时出款",
        "德国",
        "法国",
        "波兰",
        "英国",
        "荷兰",
        "西班牙",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paystand",
      "name": "Paystand",
      "aliases": [],
      "website_url": "https://paystand.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "墨西哥 | 美国",
      "services": [
        "银行转账",
        "现金",
        "代金券"
      ],
      "introduction": "Paystand 是一家传统收单/支付服务商，覆盖墨西哥、美国，支持银行转账、现金/代金券。公开费率：Flat monthly fee (zero transaction fees)。结算：1–3个工作日。",
      "fee_note": "公开费率：Flat monthly fee (zero transaction fees)",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paystand.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "low-fees",
        "north-america",
        "traditional",
        "代金券",
        "墨西哥",
        "现金",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-siirto",
      "name": "Siirto",
      "aliases": [],
      "website_url": "https://siirto.fi",
      "category": "regional",
      "region": "europe",
      "coverage": "芬兰",
      "services": [
        "即时出款",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Siirto 是一家区域型支付服务商，覆盖芬兰，支持即时出款、银行转账、跨境汇款/出款。公开费率：€0.20-0.50。结算：即时。",
      "fee_note": "公开费率：€0.20-0.50",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://siirto.fi",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "startup-friendly",
        "出款",
        "即时出款",
        "芬兰",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-synapsepay",
      "name": "Synapse",
      "aliases": [],
      "website_url": "https://synapsefi.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Synapse 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://synapsefi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-asaas",
      "name": "Asaas",
      "aliases": [],
      "website_url": "https://asaas.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Asaas 是一家区域型支付服务商，覆盖巴西，支持订阅/周期扣款、信用卡/借记卡。公开费率：From R$0.49 per PIX。结算：需向服务商确认（公开信息：30 business days）。",
      "fee_note": "公开费率：From R$0.49 per PIX",
      "settlement_note": "需向服务商确认（公开信息：30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://asaas.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "周期扣款",
        "巴西",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bill-com",
      "name": "Bill.com",
      "aliases": [],
      "website_url": "https://bill.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "账单",
        "发票支付"
      ],
      "introduction": "Bill.com 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、账单/发票支付。公开费率：From $45/user/month。结算：需向服务商确认（公开信息：2–7 business days）。",
      "fee_note": "公开费率：From $45/user/month",
      "settlement_note": "需向服务商确认（公开信息：2–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bill.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "发票支付",
        "周期扣款",
        "美国",
        "订阅",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-borica",
      "name": "BORICA",
      "aliases": [],
      "website_url": "https://borica.bg",
      "category": "regional",
      "region": "europe",
      "coverage": "保加利亚",
      "services": [
        "银行转账"
      ],
      "introduction": "BORICA 是一家区域型支付服务商，覆盖保加利亚，支持银行转账。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://borica.bg",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "保加利亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-expresspay-gh",
      "name": "ExpressPay Ghana",
      "aliases": [],
      "website_url": "https://expresspaygh.com",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付"
      ],
      "introduction": "ExpressPay Ghana 是一家区域型支付服务商，覆盖加纳，支持即时出款、信用卡/借记卡、银行转账、移动支付。公开费率：1.95% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.95% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://expresspaygh.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "加纳",
        "即时出款",
        "移动支付",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-flow-jamaica-pay",
      "name": "Flow Jamaica",
      "aliases": [],
      "website_url": "https://discoverflow.co",
      "category": "regional",
      "region": "latin-america",
      "coverage": "牙买加",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "Flow Jamaica 是一家区域型支付服务商，覆盖牙买加，支持现金/代金券。公开费率：Flow does not charge for bill payment; third-party bank/cash-agency fees may apply。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Flow does not charge for bill payment; third-party bank/cash-agency fees may apply",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://discoverflow.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "代金券",
        "牙买加",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moneycorp",
      "name": "Moneycorp",
      "aliases": [],
      "website_url": "https://moneycorp.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, middle-east, north-america",
      "coverage": "阿联酋 | 巴西 | 西班牙 | 法国 | 英国 | 直布罗陀 | 中国香港 | 爱尔兰 | 罗马尼亚 | 美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Moneycorp 是一家传统收单/支付服务商，覆盖阿联酋、巴西、西班牙、法国、英国、直布罗陀等，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://moneycorp.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "traditional",
        "中国香港",
        "出款",
        "巴西",
        "法国",
        "爱尔兰",
        "直布罗陀",
        "罗马尼亚",
        "美国",
        "英国",
        "西班牙",
        "跨境汇款",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-toss",
      "name": "Toss",
      "aliases": [],
      "website_url": "https://toss.im",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "即时出款"
      ],
      "introduction": "Toss 是一家区域型支付服务商，覆盖韩国，支持即时出款。公开费率：视情况而定 by service。结算：即时。",
      "fee_note": "公开费率：视情况而定 by service",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://toss.im",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "即时出款",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tpaga",
      "name": "Tpaga",
      "aliases": [],
      "website_url": "https://tpaga.co",
      "category": "regional",
      "region": "latin-america",
      "coverage": "哥伦比亚",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "Tpaga 是一家区域型支付服务商，覆盖哥伦比亚，支持即时出款、电子钱包、二维码支付。公开费率：Transaction-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Transaction-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tpaga.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "regional",
        "startup-friendly",
        "二维码支付",
        "即时出款",
        "哥伦比亚",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-banked",
      "name": "Banked",
      "aliases": [],
      "website_url": "https://banked.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Banked 是一家传统收单/支付服务商，覆盖英国、美国，支持即时出款、银行转账。公开费率：单笔从0.1%起 单笔。结算：即时。",
      "fee_note": "公开费率：单笔从0.1%起 单笔",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://banked.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "instant-payout",
        "instant-sandbox",
        "low-fees",
        "north-america",
        "traditional",
        "即时出款",
        "美国",
        "英国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paynetics",
      "name": "Paynetics",
      "aliases": [],
      "website_url": "https://paynetics.com",
      "category": "baas",
      "region": "europe",
      "coverage": "保加利亚 | 德国 | 英国 | 荷兰",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Paynetics 是一家银行即服务(BaaS)服务商，覆盖保加利亚、德国、英国、荷兰，支持银行即服务(BaaS)。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paynetics.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "保加利亚",
        "德国",
        "英国",
        "荷兰",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-seerbit",
      "name": "SeerBit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳 | 肯尼亚 | 尼日利亚 | 南非",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付",
        "POS收单"
      ],
      "introduction": "SeerBit 是一家区域型支付服务商，覆盖加纳、肯尼亚、尼日利亚、南非，支持即时出款、信用卡/借记卡、银行转账、移动支付、POS收单。公开费率：1.5% capped。结算：下一个工作日。",
      "fee_note": "公开费率：1.5% capped",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "信用卡",
        "借记卡",
        "加纳",
        "南非",
        "即时出款",
        "尼日利亚",
        "移动支付",
        "肯尼亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wero",
      "name": "Wero",
      "aliases": [],
      "website_url": "https://wero.eu",
      "category": "regional",
      "region": "europe",
      "coverage": "比利时 | 德国 | 法国 | 荷兰",
      "services": [
        "即时出款"
      ],
      "introduction": "Wero 是一家区域型支付服务商，覆盖比利时、德国、法国、荷兰，支持即时出款。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wero.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "德国",
        "比利时",
        "法国",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-beanstream",
      "name": "Beanstream (Bambora Canada)",
      "aliases": [],
      "website_url": "https://bambora.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款",
        "POS收单"
      ],
      "introduction": "Beanstream (Bambora Canada) 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款、POS收单。公开费率：Interchange-plus pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange-plus pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bambora.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-centi",
      "name": "Centi",
      "aliases": [],
      "website_url": "https://centi.ch",
      "category": "crypto",
      "region": "europe",
      "coverage": "瑞士",
      "services": [
        "加密货币",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Centi 是一家加密货币支付服务商，覆盖瑞士，支持加密货币、电子钱包、跨境汇款/出款。公开费率：单笔从1%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从1%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://centi.ch",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "出款",
        "加密货币",
        "瑞士",
        "电子钱包",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-column",
      "name": "Column",
      "aliases": [],
      "website_url": "https://column.com",
      "category": "baas",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "银行转账"
      ],
      "introduction": "Column 是一家银行即服务(BaaS)服务商，覆盖美国，支持银行转账。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://column.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "instant-sandbox",
        "north-america",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cred-pay",
      "name": "CRED Pay",
      "aliases": [],
      "website_url": "https://cred.club",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "CRED Pay 是一家区域型支付服务商，覆盖印度，支持信用卡/借记卡。公开费率：定制(需询价) merchant pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cred.club",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "印度"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-remitly",
      "name": "Remitly",
      "aliases": [],
      "website_url": "https://remitly.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "移动支付",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Remitly 是一家传统收单/支付服务商，覆盖全球，支持即时出款、移动支付、现金/代金券、跨境汇款/出款。公开费率：Variable fees by corridor。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Variable fees by corridor",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://remitly.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "low-fees",
        "north-america",
        "traditional",
        "代金券",
        "全球",
        "出款",
        "即时出款",
        "现金",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-satispay",
      "name": "Satispay",
      "aliases": [],
      "website_url": "https://satispay.com",
      "category": "regional",
      "region": "europe",
      "coverage": "德国 | 法国 | 意大利 | 卢森堡",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "Satispay 是一家区域型支付服务商，覆盖德国、法国、意大利、卢森堡，支持即时出款、移动支付、二维码支付。公开费率：€0.20 flat fee 单笔 (over €10)。结算：下一个工作日。",
      "fee_note": "公开费率：€0.20 flat fee 单笔 (over €10)",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://satispay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "卢森堡",
        "即时出款",
        "德国",
        "意大利",
        "法国",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cielo",
      "name": "Cielo",
      "aliases": [],
      "website_url": "https://cielo.com.br",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Cielo 是一家区域型支付服务商，覆盖巴西，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cielo.com.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "信用卡",
        "借记卡",
        "巴西"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-elo-card",
      "name": "Elo (Brazil)",
      "aliases": [],
      "website_url": "https://elo.com.br",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Elo (Brazil) 是一家区域型支付服务商，覆盖巴西，支持信用卡/借记卡。公开费率：Merchant discount rate。结算：1–3个工作日。",
      "fee_note": "公开费率：Merchant discount rate",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://elo.com.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "信用卡",
        "借记卡",
        "巴西"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fednow",
      "name": "FedNow",
      "aliases": [],
      "website_url": "https://frbservices.org",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款"
      ],
      "introduction": "FedNow 是一家传统收单/支付服务商，覆盖美国，支持即时出款。公开费率：$0.045 per PACS.008 credit transfer; $0.01 per request for payment; $25/RTN/month participation fee (waived in 2026)。结算：即时。",
      "fee_note": "公开费率：$0.045 per PACS.008 credit transfer; $0.01 per request for payment; $25/RTN/month participation fee (waived in 2026)",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://frbservices.org",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "north-america",
        "traditional",
        "即时出款",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wells-fargo",
      "name": "Wells Fargo",
      "aliases": [],
      "website_url": "https://wellsfargo.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Wells Fargo 是一家传统收单/支付服务商，覆盖英国、美国，支持银行转账、跨境汇款/出款。公开费率：定制(需询价) pricing; merchant services and treasury solutions are quoted per-customer after consultation (no public rate card).。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing; merchant services and treasury solutions are quoted per-customer after consultation (no public rate card).",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wellsfargo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "traditional",
        "出款",
        "美国",
        "英国",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-emanat",
      "name": "eManat",
      "aliases": [],
      "website_url": "https://emanat.az",
      "category": "regional",
      "region": "asia",
      "coverage": "阿塞拜疆",
      "services": [
        "电子钱包",
        "POS收单"
      ],
      "introduction": "eManat 是一家区域型支付服务商，覆盖阿塞拜疆，支持电子钱包、POS收单。公开费率：Low fixed fees。结算：即时。",
      "fee_note": "公开费率：Low fixed fees",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://emanat.az",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "电子钱包",
        "阿塞拜疆"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-noon-payments",
      "name": "Noon Payments",
      "aliases": [],
      "website_url": "https://noonpayments.com",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋 | 埃及 | 沙特阿拉伯",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Noon Payments 是一家区域型支付服务商，覆盖阿联酋、埃及、沙特阿拉伯，支持信用卡/借记卡、电子钱包。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://noonpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "regional",
        "信用卡",
        "借记卡",
        "埃及",
        "沙特阿拉伯",
        "电子钱包",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-oropay",
      "name": "Oropay",
      "aliases": [],
      "website_url": "https://oropay.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付"
      ],
      "introduction": "Oropay 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持加密货币、信用卡/借记卡、银行转账、移动支付。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://oropay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "加密货币",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "移动支付",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-remit-choice",
      "name": "Remit Choice",
      "aliases": [],
      "website_url": "https://remitchoice.com",
      "category": "regional, traditional",
      "region": "europe, north-america, oceania",
      "coverage": "奥地利 | 澳大利亚 | 比利时 | 保加利亚 | 加拿大 | 瑞士 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 直布罗陀 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 新西兰 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Remit Choice 是一家区域型支付服务商，覆盖奥地利、澳大利亚、比利时、保加利亚、加拿大、瑞士等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: free。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: free",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://remitchoice.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "oceania",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "加拿大",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "新西兰",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "直布罗陀",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tamara",
      "name": "Tamara",
      "aliases": [],
      "website_url": "https://tamara.co",
      "category": "traditional",
      "region": "middle-east",
      "coverage": "阿联酋 | 科威特 | 沙特阿拉伯",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Tamara 是一家传统收单/支付服务商，覆盖阿联酋、科威特、沙特阿拉伯，支持先买后付(BNPL)。公开费率：2.5%–6%。结算：需向服务商确认（公开信息：2–30 business days）。",
      "fee_note": "公开费率：2.5%–6%",
      "settlement_note": "需向服务商确认（公开信息：2–30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tamara.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "startup-friendly",
        "traditional",
        "先买后付(BNPL)",
        "沙特阿拉伯",
        "科威特",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-i2c",
      "name": "i2c",
      "aliases": [],
      "website_url": "https://i2cinc.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "i2c 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://i2cinc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-interactive-brokers-pay",
      "name": "Interactive Brokers",
      "aliases": [],
      "website_url": "https://interactivebrokers.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Interactive Brokers 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Low transfer fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low transfer fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://interactivebrokers.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "low-fees",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kuda-bank",
      "name": "Kuda Bank",
      "aliases": [],
      "website_url": "https://kuda.com",
      "category": "baas",
      "region": "africa",
      "coverage": "英国 | 尼日利亚",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Kuda Bank 是一家银行即服务(BaaS)服务商，覆盖英国、尼日利亚，支持银行即服务(BaaS)。公开费率：Free transfers (limits apply)。结算：即时。",
      "fee_note": "公开费率：Free transfers (limits apply)",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kuda.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "baas",
        "low-fees",
        "startup-friendly",
        "尼日利亚",
        "英国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-servicetitan-pay",
      "name": "ServiceTitan",
      "aliases": [],
      "website_url": "https://servicetitan.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "ServiceTitan 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://servicetitan.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-token-io",
      "name": "Token.io",
      "aliases": [],
      "website_url": "https://token.io",
      "category": "traditional",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 法国 | 英国 | 荷兰",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Token.io 是一家传统收单/支付服务商，覆盖德国、西班牙、法国、英国、荷兰，支持即时出款、银行转账。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://token.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "traditional",
        "即时出款",
        "德国",
        "法国",
        "英国",
        "荷兰",
        "西班牙",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-collectly",
      "name": "Collectly",
      "aliases": [],
      "website_url": "https://collectly.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Collectly 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing (contact sales)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing (contact sales)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://collectly.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-easytithe",
      "name": "easyTithe",
      "aliases": [],
      "website_url": "https://easytithe.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐"
      ],
      "introduction": "easyTithe 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、捐赠/募捐。公开费率：2.65% 加 $0.15 单笔。结算：2–3个工作日。",
      "fee_note": "公开费率：2.65% 加 $0.15 单笔",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://easytithe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "募捐",
        "周期扣款",
        "捐赠",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ecwid-payments",
      "name": "Ecwid Payments",
      "aliases": [],
      "website_url": "https://ecwid.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Ecwid Payments 是一家传统收单/支付服务商，覆盖全球，支持加密货币。公开费率：2.9% 加 $0.30 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.9% 加 $0.30 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ecwid.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "europe",
        "north-america",
        "startup-friendly",
        "traditional",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nowpayments",
      "name": "NOWPayments",
      "aliases": [],
      "website_url": "https://nowpayments.io",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "NOWPayments 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：0.5-2% for crypto transactions。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.5-2% for crypto transactions",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nowpayments.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-op-payment-service",
      "name": "OP Payment Service",
      "aliases": [],
      "website_url": "https://op.fi",
      "category": "traditional",
      "region": "europe",
      "coverage": "芬兰",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账"
      ],
      "introduction": "OP Payment Service 是一家传统收单/支付服务商，覆盖芬兰，支持订阅/周期扣款、银行转账。公开费率：Contact for pricing。结算：下一个工作日。",
      "fee_note": "公开费率：Contact for pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://op.fi",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "芬兰",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pagofx",
      "name": "PagoFX",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "比利时 | 西班牙 | 英国",
      "services": [
        "信用卡",
        "借记卡",
        "跨境汇款",
        "出款"
      ],
      "introduction": "PagoFX 是一家区域型支付服务商，覆盖比利时、西班牙、英国，支持信用卡/借记卡、跨境汇款/出款。公开费率：Standard fee 0.70% to eurozone, Switzerland, Norway, Sweden, Czech Republic; 0.80% to US, Poland, Denmark (service discontinued 30 Nov 2021).。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Standard fee 0.70% to eurozone, Switzerland, Norway, Sweden, Czech Republic; 0.80% to US, Poland, Denmark (service discontinued 30 Nov 2021).",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "出款",
        "比利时",
        "英国",
        "西班牙",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-aps-international",
      "name": "APS International",
      "aliases": [],
      "website_url": "https://apsinternational.com",
      "category": "regional",
      "region": "africa, europe, north-america",
      "coverage": "英国 | 冈比亚 | 利比里亚 | 尼日利亚 | 瑞典 | 塞内加尔 | 美国",
      "services": [
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "APS International 是一家区域型支付服务商，覆盖英国、冈比亚、利比里亚、尼日利亚、瑞典、塞内加尔等，支持现金/代金券、跨境汇款/出款。公开费率：Low fees from 99p 每transfer, with occasional zero-commission promotions; exchange-rate margin applied on currency conversion.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees from 99p 每transfer, with occasional zero-commission promotions; exchange-rate margin applied on currency conversion.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://apsinternational.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "north-america",
        "regional",
        "代金券",
        "冈比亚",
        "出款",
        "利比里亚",
        "塞内加尔",
        "尼日利亚",
        "现金",
        "瑞典",
        "美国",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bole-atlantic",
      "name": "Bole Atlantic",
      "aliases": [],
      "website_url": "https://boleatlantic.controlmoney.net",
      "category": "regional, traditional",
      "region": "africa, europe, north-america",
      "coverage": "埃塞俄比亚 | 英国 | 美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Bole Atlantic 是一家区域型支付服务商，覆盖埃塞俄比亚、英国、美国，支持跨境汇款/出款。公开费率：Provider claims transparent, competitive transaction fees with no hidden charges; specific rates not published publicly.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Provider claims transparent, competitive transaction fees with no hidden charges; specific rates not published publicly.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://boleatlantic.controlmoney.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "north-america",
        "regional",
        "traditional",
        "出款",
        "埃塞俄比亚",
        "美国",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cedar-pay",
      "name": "Cedar",
      "aliases": [],
      "website_url": "https://cedar.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Cedar 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Platform subscription。结算：即时。",
      "fee_note": "公开费率：Platform subscription",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cedar.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-codi-mx",
      "name": "CoDi Mexico",
      "aliases": [],
      "website_url": "https://codi.org.mx",
      "category": "regional",
      "region": "latin-america",
      "coverage": "墨西哥",
      "services": [
        "即时出款",
        "银行转账",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "CoDi Mexico 是一家区域型支付服务商，覆盖墨西哥，支持即时出款、银行转账、移动支付、二维码支付。公开费率：No fees for users or merchants。结算：即时。",
      "fee_note": "公开费率：No fees for users or merchants",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://codi.org.mx",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "low-fees",
        "regional",
        "二维码支付",
        "即时出款",
        "墨西哥",
        "移动支付",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-equals",
      "name": "Equals",
      "aliases": [],
      "website_url": "https://equalsmoney.com",
      "category": "baas, traditional",
      "region": "europe, north-america",
      "coverage": "比利时 | 英国 | 美国",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Equals 是一家银行即服务(BaaS)服务商，覆盖比利时、英国、美国，支持加密货币、信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://equalsmoney.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "crypto-support",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "加密货币",
        "比利时",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mercury",
      "name": "Mercury",
      "aliases": [],
      "website_url": "https://mercury.com",
      "category": "baas",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Mercury 是一家银行即服务(BaaS)服务商，覆盖美国，支持信用卡/借记卡。公开费率：No monthly account fees。结算：1–3个工作日。",
      "fee_note": "公开费率：No monthly account fees",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mercury.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "low-fees",
        "north-america",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nagad",
      "name": "Nagad",
      "aliases": [],
      "website_url": "https://nagad.com.bd",
      "category": "regional",
      "region": "asia",
      "coverage": "孟加拉国",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Nagad 是一家区域型支付服务商，覆盖孟加拉国，支持即时出款、跨境汇款/出款。公开费率：1.30% for merchants。结算：即时。",
      "fee_note": "公开费率：1.30% for merchants",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nagad.com.bd",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "出款",
        "即时出款",
        "孟加拉国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymongo",
      "name": "PayMongo",
      "aliases": [],
      "website_url": "https://www.paymongo.com/",
      "category": "Philippines PSP, payment gateway",
      "region": "Southeast Asia",
      "coverage": "PH",
      "services": [
        "QR Ph",
        "cards",
        "GCash",
        "Maya",
        "GrabPay",
        "ShopeePay",
        "direct online banking",
        "BNPL",
        "payment links",
        "API payments"
      ],
      "introduction": "菲律宾支付平台，支持 QR Ph、银行卡、主流电子钱包、网银、BNPL、支付链接和 API 收款，适合菲律宾本地电商和线上服务。",
      "fee_note": "官网公开标准费率：QR Ph 1.34%，本地卡 3.125% + PHP 13.39，国际卡 4.02% + PHP 13.39，GCash 2.23%，Maya 1.79%，ShopeePay 1.70%，Direct Online Banking 0.71% 或 PHP 13.39。",
      "settlement_note": "官网价格页显示 Instant Settlement 可选，标准结算周期说明为 2-7 天。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.paymongo.com/pricing",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Philippines",
        "QR",
        "active / raw import",
        "instant-sandbox",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "wallets"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-paysimple",
      "name": "PaySimple",
      "aliases": [],
      "website_url": "https://paysimple.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "PaySimple 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：2.49% 单笔。结算：1–2个工作日。",
      "fee_note": "公开费率：2.49% 单笔",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paysimple.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-stone-pagamentos",
      "name": "Stone Pagamentos",
      "aliases": [],
      "website_url": "https://stone.com.br",
      "category": "traditional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "即时出款",
        "POS收单"
      ],
      "introduction": "Stone Pagamentos 是一家传统收单/支付服务商，覆盖巴西，支持即时出款、POS收单。公开费率：Competitive volume-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Competitive volume-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://stone.com.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "instant-payout",
        "latin-america",
        "startup-friendly",
        "traditional",
        "即时出款",
        "巴西"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tazapay",
      "name": "Tazapay",
      "aliases": [],
      "website_url": "https://tazapay.com",
      "category": "traditional",
      "region": "asia, middle-east, southeast-asia",
      "coverage": "阿联酋 | 中国香港 | 印度 | 沙特阿拉伯 | 新加坡",
      "services": [
        "跨境汇款",
        "出款",
        "担保",
        "托管交易"
      ],
      "introduction": "Tazapay 是一家传统收单/支付服务商，覆盖阿联酋、中国香港、印度、沙特阿拉伯、新加坡，支持跨境汇款/出款、担保/托管交易。公开费率：单笔从1.5%起 单笔。结算：2–5个工作日。",
      "fee_note": "公开费率：单笔从1.5%起 单笔",
      "settlement_note": "2–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tazapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "middle-east",
        "southeast-asia",
        "traditional",
        "中国香港",
        "出款",
        "印度",
        "托管交易",
        "担保",
        "新加坡",
        "沙特阿拉伯",
        "跨境汇款",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-confido-legal",
      "name": "Confido Legal",
      "aliases": [],
      "website_url": "https://confidolegal.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "加拿大 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Confido Legal 是一家传统收单/支付服务商，覆盖加拿大、美国，支持订阅/周期扣款、信用卡/借记卡、银行转账、跨境汇款/出款。公开费率：2.95% credit cards; 1% ACH capped at $30; $3/disbursement; no monthly fees。结算：4–6个工作日。",
      "fee_note": "公开费率：2.95% credit cards; 1% ACH capped at $30; $3/disbursement; no monthly fees",
      "settlement_note": "4–6个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://confidolegal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "出款",
        "加拿大",
        "周期扣款",
        "美国",
        "订阅",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kbc-mobile-pay",
      "name": "KBC Mobile Pay",
      "aliases": [],
      "website_url": "https://kbc.be",
      "category": "regional",
      "region": "europe",
      "coverage": "比利时 | 爱尔兰",
      "services": [
        "订阅",
        "周期扣款",
        "移动支付"
      ],
      "introduction": "KBC Mobile Pay 是一家区域型支付服务商，覆盖比利时、爱尔兰，支持订阅/周期扣款、移动支付。公开费率：€0.15-€0.35 单笔。结算：即时。",
      "fee_note": "公开费率：€0.15-€0.35 单笔",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kbc.be",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "recurring-payments",
        "regional",
        "周期扣款",
        "比利时",
        "爱尔兰",
        "移动支付",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-superfluid",
      "name": "Superfluid",
      "aliases": [],
      "website_url": "https://superfluid.finance",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Superfluid 是一家加密货币支付服务商，覆盖全球，支持加密货币、订阅/周期扣款。公开费率：Gas fees only。结算：即时。",
      "fee_note": "公开费率：Gas fees only",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://superfluid.finance",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "low-fees",
        "north-america",
        "全球",
        "加密货币",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-velocity-trade",
      "name": "Velocity Trade",
      "aliases": [],
      "website_url": "https://velocitytrade.com",
      "category": "regional, traditional",
      "region": "africa, asia, europe, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 澳大利亚 | 加拿大 | 西班牙 | 英国 | 荷兰 | 新西兰 | 新加坡 | 南非",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Velocity Trade 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、加拿大、西班牙、英国、荷兰等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://velocitytrade.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "南非",
        "新加坡",
        "新西兰",
        "澳大利亚",
        "英国",
        "荷兰",
        "西班牙",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dialog-finance-sri-lanka",
      "name": "Dialog Finance",
      "aliases": [],
      "website_url": "https://dialog.lk",
      "category": "regional",
      "region": "asia",
      "coverage": "斯里兰卡",
      "services": [
        "移动支付"
      ],
      "introduction": "Dialog Finance 是一家区域型支付服务商，覆盖斯里兰卡，支持移动支付。公开费率：Low transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dialog.lk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "startup-friendly",
        "斯里兰卡",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-emburse",
      "name": "Emburse",
      "aliases": [],
      "website_url": "https://emburse.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 加拿大 | 西班牙 | 英国 | 荷兰 | 美国",
      "services": [
        "银行转账",
        "账单",
        "发票支付"
      ],
      "introduction": "Emburse 是一家传统收单/支付服务商，覆盖澳大利亚、加拿大、西班牙、英国、荷兰、美国，支持银行转账、账单/发票支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://emburse.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "traditional",
        "加拿大",
        "发票支付",
        "澳大利亚",
        "美国",
        "英国",
        "荷兰",
        "西班牙",
        "账单",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-masspay",
      "name": "MassPay",
      "aliases": [],
      "website_url": "https://masspay.io",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, north-america",
      "coverage": "美国",
      "services": [
        "加密货币",
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "MassPay 是一家传统收单/支付服务商，覆盖美国，支持加密货币、即时出款、跨境汇款/出款。公开费率：Per-payout pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-payout pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://masspay.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "crypto-support",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "出款",
        "加密货币",
        "即时出款",
        "美国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-naka",
      "name": "NAKA",
      "aliases": [],
      "website_url": "https://gocrypto.com",
      "category": "crypto",
      "region": "europe, latin-america",
      "coverage": "阿根廷 | 多米尼加 | 克罗地亚 | 斯洛文尼亚 | 土耳其",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡"
      ],
      "introduction": "NAKA 是一家加密货币支付服务商，覆盖阿根廷、多米尼加、克罗地亚、斯洛文尼亚、土耳其，支持加密货币、信用卡/借记卡。公开费率：1% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gocrypto.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "加密货币",
        "土耳其",
        "多米尼加",
        "斯洛文尼亚",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paystation",
      "name": "Paystation",
      "aliases": [],
      "website_url": "https://paystation.co.nz",
      "category": "traditional",
      "region": "oceania",
      "coverage": "新西兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Paystation 是一家传统收单/支付服务商，覆盖新西兰，支持信用卡/借记卡。公开费率：2.25% 加 NZ$0.30。结算：2–3个工作日。",
      "fee_note": "公开费率：2.25% 加 NZ$0.30",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paystation.co.nz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "oceania",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "新西兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-placetopay",
      "name": "PlacetoPay",
      "aliases": [],
      "website_url": "https://placetopay.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "智利 | 哥伦比亚 | 哥斯达黎加 | 厄瓜多尔 | 洪都拉斯 | 巴拿马",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付"
      ],
      "introduction": "PlacetoPay 是一家区域型支付服务商，覆盖智利、哥伦比亚、哥斯达黎加、厄瓜多尔、洪都拉斯、巴拿马，支持信用卡/借记卡、银行转账、移动支付。公开费率：定制(需询价) pricing。结算：2–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://placetopay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "信用卡",
        "借记卡",
        "厄瓜多尔",
        "哥伦比亚",
        "哥斯达黎加",
        "巴拿马",
        "智利",
        "洪都拉斯",
        "移动支付",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sisalpay",
      "name": "SisalPay",
      "aliases": [],
      "website_url": "https://sisalpay.it",
      "category": "regional",
      "region": "europe",
      "coverage": "意大利",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "SisalPay 是一家区域型支付服务商，覆盖意大利，支持信用卡/借记卡。公开费率：1.5-2%。结算：2–3个工作日。",
      "fee_note": "公开费率：1.5-2%",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sisalpay.it",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "意大利"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-daviplata",
      "name": "Daviplata",
      "aliases": [],
      "website_url": "https://daviplata.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "哥伦比亚",
      "services": [
        "电子钱包",
        "现金",
        "代金券"
      ],
      "introduction": "Daviplata 是一家区域型支付服务商，覆盖哥伦比亚，支持电子钱包、现金/代金券。公开费率：Free for basic services。结算：即时。",
      "fee_note": "公开费率：Free for basic services",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://daviplata.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "代金券",
        "哥伦比亚",
        "现金",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-emirates-nbd",
      "name": "Emirates NBD",
      "aliases": [],
      "website_url": "https://emiratesnbd.com",
      "category": "regional, traditional",
      "region": "africa, asia, europe, middle-east",
      "coverage": "阿联酋 | 奥地利 | 巴林 | 德国 | 埃及 | 英国 | 印度 | 俄罗斯 | 沙特阿拉伯 | 新加坡 | 土耳其",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "二维码支付",
        "POS收单"
      ],
      "introduction": "Emirates NBD 是一家区域型支付服务商，覆盖阿联酋、奥地利、巴林、德国、埃及、英国等，支持信用卡/借记卡、电子钱包、二维码支付、POS收单。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://emiratesnbd.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "middle-east",
        "regional",
        "traditional",
        "二维码支付",
        "俄罗斯",
        "信用卡",
        "借记卡",
        "印度",
        "土耳其",
        "埃及",
        "奥地利",
        "巴林",
        "德国",
        "新加坡",
        "沙特阿拉伯",
        "电子钱包",
        "英国",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-orum",
      "name": "Orum",
      "aliases": [],
      "website_url": "https://orum.io",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Orum 是一家传统收单/支付服务商，覆盖美国，支持即时出款、银行转账。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://orum.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "north-america",
        "traditional",
        "即时出款",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sbps",
      "name": "SBPS (SoftBank Payment Service)",
      "aliases": [],
      "website_url": "https://sbpayment.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "SBPS (SoftBank Payment Service) 是一家区域型支付服务商，覆盖日本，支持订阅/周期扣款、信用卡/借记卡、电子钱包。公开费率：3%–4% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：3%–4% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sbpayment.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "recurring-payments",
        "regional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "日本",
        "电子钱包",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-treasury-prime",
      "name": "Treasury Prime",
      "aliases": [],
      "website_url": "https://treasuryprime.com",
      "category": "baas",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Treasury Prime 是一家银行即服务(BaaS)服务商，覆盖美国，支持银行即服务(BaaS)。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://treasuryprime.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "north-america",
        "startup-friendly",
        "美国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wompi",
      "name": "Wompi",
      "aliases": [],
      "website_url": "https://wompi.co",
      "category": "regional",
      "region": "latin-america",
      "coverage": "哥伦比亚",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "Wompi 是一家区域型支付服务商，覆盖哥伦比亚，支持信用卡/借记卡、银行转账、电子钱包。公开费率：2.79% 加 COP 900 单笔。结算：1–2个工作日。",
      "fee_note": "公开费率：2.79% 加 COP 900 单笔",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wompi.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "哥伦比亚",
        "电子钱包",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-poynt",
      "name": "Poynt (GoDaddy)",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Poynt (GoDaddy) 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：2.3% 加 $0.00 in-person。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.3% 加 $0.00 in-person",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "instant-sandbox",
        "north-america",
        "startup-friendly",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-basis-theory",
      "name": "Basis Theory",
      "aliases": [],
      "website_url": "https://basistheory.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Basis Theory 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Free tier 加 usage-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free tier 加 usage-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://basistheory.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-sandbox",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-goldman-sachs",
      "name": "Goldman Sachs Transaction Banking",
      "aliases": [],
      "website_url": "https://goldmansachs.com",
      "category": "baas, traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "银行即服务(BaaS)",
        "银行转账"
      ],
      "introduction": "Goldman Sachs Transaction Banking 是一家银行即服务(BaaS)服务商，覆盖英国、美国，支持银行即服务(BaaS)、银行转账。公开费率：Enterprise/institutional 定制(需询价) pricing; no public rate card. TxB is offered to corporates and fintechs under bespoke commercial terms.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Enterprise/institutional 定制(需询价) pricing; no public rate card. TxB is offered to corporates and fintechs under bespoke commercial terms.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://goldmansachs.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "north-america",
        "traditional",
        "美国",
        "英国",
        "银行即服务(BaaS)",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lithic",
      "name": "Lithic",
      "aliases": [],
      "website_url": "https://lithic.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Lithic 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lithic.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-sandbox",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-repay",
      "name": "REPAY Holdings",
      "aliases": [],
      "website_url": "https://repay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "REPAY Holdings 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://repay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wex",
      "name": "WEX",
      "aliases": [],
      "website_url": "https://wexinc.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "WEX 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wexinc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zip-pay",
      "name": "Zip",
      "aliases": [],
      "website_url": "https://zip.co",
      "category": "traditional",
      "region": "north-america, oceania",
      "coverage": "澳大利亚 | 新西兰 | 美国",
      "services": [
        "信用卡",
        "借记卡",
        "先买后付(BNPL)"
      ],
      "introduction": "Zip 是一家传统收单/支付服务商，覆盖澳大利亚、新西兰、美国，支持信用卡/借记卡、先买后付(BNPL)。公开费率：Merchant fees vary by region。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Merchant fees vary by region",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zip.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "新西兰",
        "澳大利亚",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cinetpay",
      "name": "CinetPay",
      "aliases": [],
      "website_url": "https://cinetpay.com",
      "category": "traditional",
      "region": "africa",
      "coverage": "布基纳法索 | 贝宁 | 科特迪瓦 | 喀麦隆 | 马里 | 尼日尔 | 塞内加尔 | 多哥",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "CinetPay 是一家传统收单/支付服务商，覆盖布基纳法索、贝宁、科特迪瓦、喀麦隆、马里、尼日尔等，支持信用卡/借记卡、电子钱包、移动支付、跨境汇款/出款。公开费率：3.5% 加 fees for mobile money integration。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：3.5% 加 fees for mobile money integration",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cinetpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "traditional",
        "信用卡",
        "借记卡",
        "出款",
        "喀麦隆",
        "塞内加尔",
        "多哥",
        "尼日尔",
        "布基纳法索",
        "电子钱包",
        "科特迪瓦",
        "移动支付",
        "贝宁",
        "跨境汇款",
        "马里"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-skinsback",
      "name": "SkinsBack",
      "aliases": [],
      "website_url": "https://skinsback.com",
      "category": "gaming",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "即时出款"
      ],
      "introduction": "SkinsBack 是一家游戏支付服务商，覆盖全球，支持即时出款。公开费率：No fees。结算：即时。",
      "fee_note": "公开费率：No fees",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://skinsback.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "europe",
        "gaming",
        "instant-payout",
        "north-america",
        "startup-friendly",
        "virtual-items",
        "全球",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cowpay",
      "name": "CowPay",
      "aliases": [],
      "website_url": "https://cowpay.me",
      "category": "regional",
      "region": "africa, middle-east",
      "coverage": "埃及",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "CowPay 是一家区域型支付服务商，覆盖埃及，支持订阅/周期扣款、即时出款。公开费率：0% on select methods。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0% on select methods",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cowpay.me",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "low-fees",
        "middle-east",
        "recurring-payments",
        "regional",
        "即时出款",
        "周期扣款",
        "埃及",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-eps-austria",
      "name": "EPS",
      "aliases": [],
      "website_url": "https://eps.or.at",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账"
      ],
      "introduction": "EPS 是一家区域型支付服务商，覆盖奥地利，支持订阅/周期扣款、银行转账。公开费率：From €0.18 单笔。结算：1–2个工作日。",
      "fee_note": "公开费率：From €0.18 单笔",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://eps.or.at",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "recurring-payments",
        "regional",
        "周期扣款",
        "奥地利",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-givex",
      "name": "Givex",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "Givex 是一家传统收单/支付服务商，覆盖全球，支持现金/代金券。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "代金券",
        "全球",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-juni",
      "name": "Juni",
      "aliases": [],
      "website_url": "https://juni.co",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "账单",
        "发票支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Juni 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持信用卡/借记卡、银行转账、账单/发票支付、跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://juni.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "出款",
        "匈牙利",
        "卢森堡",
        "发票支付",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "账单",
        "跨境汇款",
        "银行转账",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nubank",
      "name": "Nubank",
      "aliases": [],
      "website_url": "https://nubank.com.br",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西 | 哥伦比亚 | 墨西哥",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Nubank 是一家区域型支付服务商，覆盖巴西、哥伦比亚、墨西哥，支持信用卡/借记卡。公开费率：0% for Pix, 0.89% for debit, 3.09% for credit。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：0% for Pix, 0.89% for debit, 3.09% for credit",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nubank.com.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "哥伦比亚",
        "墨西哥",
        "巴西"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-otr-solutions",
      "name": "OTR Solutions",
      "aliases": [],
      "website_url": "https://otrsolutions.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "现金",
        "代金券"
      ],
      "introduction": "OTR Solutions 是一家传统收单/支付服务商，覆盖美国，支持即时出款、现金/代金券。公开费率：1.9%–3.9% factoring。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：1.9%–3.9% factoring",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://otrsolutions.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "代金券",
        "即时出款",
        "现金",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-processout",
      "name": "ProcessOut",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "ProcessOut 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：视情况而定。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-usa-tech",
      "name": "USA Technologies (Cantaloupe)",
      "aliases": [],
      "website_url": "https://cantaloupe.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "墨西哥 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "USA Technologies (Cantaloupe) 是一家传统收单/支付服务商，覆盖墨西哥、美国，支持信用卡/借记卡。公开费率：Per-transaction 加 SaaS fees。结算：2–3个工作日。",
      "fee_note": "公开费率：Per-transaction 加 SaaS fees",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cantaloupe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "墨西哥",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-verto",
      "name": "Verto",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "africa, europe, north-america",
      "coverage": "全球",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Verto 是一家传统收单/支付服务商，覆盖全球，支持跨境汇款/出款。公开费率：Competitive FX rates, no transfer fees。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Competitive FX rates, no transfer fees",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "europe",
        "low-fees",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-canpay",
      "name": "CanPay",
      "aliases": [],
      "website_url": "https://static.cloudflareinsights.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "现金",
        "代金券"
      ],
      "introduction": "CanPay 是一家高风险行业支付服务商，覆盖美国，支持即时出款、信用卡/借记卡、银行转账、现金/代金券。公开费率：定制(需询价) pricing 单笔。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing 单笔",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://static.cloudflareinsights.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "instant-payout",
        "low-fees",
        "north-america",
        "代金券",
        "信用卡",
        "借记卡",
        "即时出款",
        "现金",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-open-collective",
      "name": "Open Collective",
      "aliases": [],
      "website_url": "https://opencollective.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "众筹",
        "募资"
      ],
      "introduction": "Open Collective 是一家传统收单/支付服务商，覆盖全球，支持众筹/募资。公开费率：5-10% host fee 加 payment processing。结算：即时。",
      "fee_note": "公开费率：5-10% host fee 加 payment processing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://opencollective.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "startup-friendly",
        "traditional",
        "众筹",
        "全球",
        "募资"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bluefin",
      "name": "Bluefin",
      "aliases": [],
      "website_url": "https://bluefin.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "爱尔兰 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Bluefin 是一家传统收单/支付服务商，覆盖爱尔兰、美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bluefin.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "爱尔兰",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-brick-finance",
      "name": "Brick",
      "aliases": [],
      "website_url": "https://onebrick.io",
      "category": "baas, regional",
      "region": "southeast-asia",
      "coverage": "印度尼西亚",
      "services": [
        "银行转账"
      ],
      "introduction": "Brick 是一家银行即服务(BaaS)服务商，覆盖印度尼西亚，支持银行转账。公开费率：Per-API call。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Per-API call",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://onebrick.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "instant-sandbox",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "印度尼西亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kaspi-kz",
      "name": "Kaspi.kz",
      "aliases": [],
      "website_url": "https://kaspi.kz",
      "category": "regional",
      "region": "asia",
      "coverage": "哈萨克斯坦",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "Kaspi.kz 是一家区域型支付服务商，覆盖哈萨克斯坦，支持即时出款、移动支付、二维码支付。公开费率：Free P2P, low merchant fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free P2P, low merchant fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kaspi.kz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "即时出款",
        "哈萨克斯坦",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pagobancomat",
      "name": "PagoBancomat",
      "aliases": [],
      "website_url": "https://bancomat.it",
      "category": "regional",
      "region": "europe",
      "coverage": "意大利",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "PagoBancomat 是一家区域型支付服务商，覆盖意大利，支持信用卡/借记卡、银行转账、移动支付、二维码支付。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bancomat.it",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "regional",
        "二维码支付",
        "信用卡",
        "借记卡",
        "意大利",
        "移动支付",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payjunction",
      "name": "PayJunction",
      "aliases": [],
      "website_url": "https://payjunction.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "PayJunction 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：Interchange-plus pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：Interchange-plus pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payjunction.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "low-fees",
        "north-america",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-revel-systems",
      "name": "Revel Systems",
      "aliases": [],
      "website_url": "https://revelsystems.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Revel Systems 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://revelsystems.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-visa-direct",
      "name": "Visa Direct",
      "aliases": [],
      "website_url": "https://visa.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Visa Direct 是一家传统收单/支付服务商，覆盖全球，支持即时出款、信用卡/借记卡、跨境汇款/出款。公开费率：Per-transaction。结算：即时。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://visa.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-abn-amro",
      "name": "ABN AMRO",
      "aliases": [],
      "website_url": "https://abnamro.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "荷兰",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "现金",
        "代金券"
      ],
      "introduction": "ABN AMRO 是一家区域型支付服务商，覆盖荷兰，支持信用卡/借记卡、电子钱包、现金/代金券。公开费率：定制(需询价) merchant pricing via ABN AMRO 加 Worldline / Buckaroo acquiring contracts; not publicly listed.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing via ABN AMRO 加 Worldline / Buckaroo acquiring contracts; not publicly listed.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://abnamro.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "现金",
        "电子钱包",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-azimo",
      "name": "Azimo (Papaya Global)",
      "aliases": [],
      "website_url": "https://azimo.com",
      "category": "regional",
      "region": "africa, asia, europe",
      "coverage": "英国 | 荷兰 | 波兰",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Azimo (Papaya Global) 是一家区域型支付服务商，覆盖英国、荷兰、波兰，支持即时出款、跨境汇款/出款。公开费率：From €0.99 每transfer。结算：下一个工作日。",
      "fee_note": "公开费率：From €0.99 每transfer",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://azimo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "出款",
        "即时出款",
        "波兰",
        "英国",
        "荷兰",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-boleto",
      "name": "Boleto Bancário",
      "aliases": [],
      "website_url": "https://bb.com.br",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "Boleto Bancário 是一家区域型支付服务商，覆盖巴西，支持信用卡/借记卡、现金/代金券。公开费率：~R$3-5 per boleto。结算：3–5个工作日。",
      "fee_note": "公开费率：~R$3-5 per boleto",
      "settlement_note": "3–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bb.com.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "代金券",
        "信用卡",
        "借记卡",
        "巴西",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-khalti",
      "name": "Khalti",
      "aliases": [],
      "website_url": "https://khalti.com",
      "category": "regional",
      "region": "asia",
      "coverage": "尼泊尔",
      "services": [
        "银行转账",
        "电子钱包",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Khalti 是一家区域型支付服务商，覆盖尼泊尔，支持银行转账、电子钱包、二维码支付、跨境汇款/出款。公开费率：单笔从1.5%起 for merchants。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：单笔从1.5%起 for merchants",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://khalti.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "二维码支付",
        "出款",
        "尼泊尔",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ko-fi",
      "name": "Ko-fi",
      "aliases": [],
      "website_url": "https://ko-fi.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "电子钱包",
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐"
      ],
      "introduction": "Ko-fi 是一家传统收单/支付服务商，覆盖全球，支持电子钱包、订阅/周期扣款、捐赠/募捐。公开费率：0% platform fee on donations。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0% platform fee on donations",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ko-fi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "low-fees",
        "north-america",
        "oceania",
        "startup-friendly",
        "traditional",
        "全球",
        "募捐",
        "周期扣款",
        "捐赠",
        "电子钱包",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-one-inc",
      "name": "One Inc",
      "aliases": [],
      "website_url": "https://oneinc.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "One Inc 是一家传统收单/支付服务商，覆盖美国，支持跨境汇款/出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：5 business days）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：5 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://oneinc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "出款",
        "美国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payment-asia",
      "name": "Payment Asia",
      "aliases": [],
      "website_url": "https://paymentasia.com",
      "category": "traditional",
      "region": "asia, southeast-asia",
      "coverage": "中国香港 | 马来西亚 | 新加坡 | 泰国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payment Asia 是一家传统收单/支付服务商，覆盖中国香港、马来西亚、新加坡、泰国，支持信用卡/借记卡。公开费率：2.4% 加 HKD 2.50 for cards; bank transfer 0.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.4% 加 HKD 2.50 for cards; bank transfer 0.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymentasia.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "southeast-asia",
        "traditional",
        "中国香港",
        "信用卡",
        "借记卡",
        "新加坡",
        "泰国",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-terrapay",
      "name": "TerraPay",
      "aliases": [],
      "website_url": "https://terrapay.com",
      "category": "traditional",
      "region": "africa, asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "TerraPay 是一家传统收单/支付服务商，覆盖全球，支持即时出款、信用卡/借记卡、银行转账、电子钱包、跨境汇款/出款。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://terrapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球",
        "出款",
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vcan",
      "name": "VCan FinTech",
      "aliases": [],
      "website_url": "https://vcanfintech.com",
      "category": "regional, traditional",
      "region": "asia, europe, north-america, southeast-asia",
      "coverage": "中国 | 英国 | 中国香港 | 新加坡 | 美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "VCan FinTech 是一家区域型支付服务商，覆盖中国、英国、中国香港、新加坡、美国，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vcanfintech.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国香港",
        "出款",
        "新加坡",
        "美国",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cloudpayments",
      "name": "CloudPayments",
      "aliases": [],
      "website_url": "https://cloudpayments.ru",
      "category": "regional",
      "region": "europe",
      "coverage": "俄罗斯",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "CloudPayments 是一家区域型支付服务商，覆盖俄罗斯，支持订阅/周期扣款、即时出款、信用卡/借记卡。公开费率：2.3-3%。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：2.3-3%",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cloudpayments.ru",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "recurring-payments",
        "regional",
        "俄罗斯",
        "信用卡",
        "借记卡",
        "即时出款",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-esto-baltic",
      "name": "ESTO",
      "aliases": [],
      "website_url": "https://esto.ee",
      "category": "traditional",
      "region": "europe",
      "coverage": "爱沙尼亚 | 立陶宛 | 拉脱维亚",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "ESTO 是一家传统收单/支付服务商，覆盖爱沙尼亚、立陶宛、拉脱维亚，支持先买后付(BNPL)。公开费率：3-5% for BNPL transactions。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：3-5% for BNPL transactions",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://esto.ee",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "先买后付(BNPL)",
        "拉脱维亚",
        "爱沙尼亚",
        "立陶宛"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-maxio",
      "name": "Maxio",
      "aliases": [],
      "website_url": "https://maxio.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Maxio 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Processor-dependent）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Processor-dependent）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://maxio.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nium",
      "name": "Nium",
      "aliases": [],
      "website_url": "https://nium.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Nium 是一家传统收单/支付服务商，覆盖全球，支持加密货币、跨境汇款/出款。公开费率：0.5-1.5% for cross-border B2B transfers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.5-1.5% for cross-border B2B transfers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nium.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "crypto-support",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "全球",
        "出款",
        "加密货币",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymytuition",
      "name": "PayMyTuition",
      "aliases": [],
      "website_url": "https://paymytuition.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayMyTuition 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：FX-based pricing。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：FX-based pricing",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymytuition.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "low-fees",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pomelo",
      "name": "Pomelo",
      "aliases": [],
      "website_url": "https://pomelo.la",
      "category": "baas",
      "region": "latin-america",
      "coverage": "阿根廷 | 巴西 | 哥伦比亚 | 墨西哥",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Pomelo 是一家银行即服务(BaaS)服务商，覆盖阿根廷、巴西、哥伦比亚、墨西哥，支持银行即服务(BaaS)。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pomelo.la",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "latin-america",
        "startup-friendly",
        "哥伦比亚",
        "墨西哥",
        "巴西",
        "银行即服务(BaaS)",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sslcommerz",
      "name": "SSLCOMMERZ",
      "aliases": [],
      "website_url": "https://sslcommerz.com",
      "category": "regional",
      "region": "asia",
      "coverage": "孟加拉国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "SSLCOMMERZ 是一家区域型支付服务商，覆盖孟加拉国，支持订阅/周期扣款、信用卡/借记卡。公开费率：2%–2.5% 单笔。结算：需向服务商确认（公开信息：5–7 business days）。",
      "fee_note": "公开费率：2%–2.5% 单笔",
      "settlement_note": "需向服务商确认（公开信息：5–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sslcommerz.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "周期扣款",
        "孟加拉国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-airbase",
      "name": "Airbase",
      "aliases": [],
      "website_url": "https://airbase.io",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Airbase 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://airbase.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hesabe",
      "name": "Hesabe",
      "aliases": [],
      "website_url": "https://hesabe.com",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋 | 巴林 | 英国 | 科威特 | 阿曼 | 卡塔尔 | 沙特阿拉伯 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Hesabe 是一家区域型支付服务商，覆盖阿联酋、巴林、英国、科威特、阿曼、卡塔尔等，支持信用卡/借记卡。公开费率：Per-transaction pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hesabe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "卡塔尔",
        "巴林",
        "沙特阿拉伯",
        "科威特",
        "美国",
        "英国",
        "阿曼",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payfort-amazon",
      "name": "Payfort (Amazon)",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋 | 埃及 | 约旦 | 黎巴嫩 | 沙特阿拉伯",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payfort (Amazon) 是一家区域型支付服务商，覆盖阿联酋、埃及、约旦、黎巴嫩、沙特阿拉伯，支持信用卡/借记卡。公开费率：2.65% 加 AED 1。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.65% 加 AED 1",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "middle-east",
        "regional",
        "信用卡",
        "借记卡",
        "埃及",
        "沙特阿拉伯",
        "约旦",
        "阿联酋",
        "黎巴嫩"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payrails",
      "name": "Payrails",
      "aliases": [],
      "website_url": "https://payrails.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payrails 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：视情况而定。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payrails.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-concardis",
      "name": "Concardis (Nets)",
      "aliases": [],
      "website_url": "https://concardis.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 瑞士 | 德国",
      "services": [
        "POS收单"
      ],
      "introduction": "Concardis (Nets) 是一家传统收单/支付服务商，覆盖奥地利、瑞士、德国，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://concardis.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "奥地利",
        "德国",
        "瑞士"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-marex",
      "name": "Marex",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 加拿大 | 西班牙 | 英国 | 意大利 | 美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Marex 是一家传统收单/支付服务商，覆盖澳大利亚、加拿大、西班牙、英国、意大利、美国，支持跨境汇款/出款。公开费率：Bespoke, institutional pricing — contact Marex sales for quotes; no published rate card.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Bespoke, institutional pricing — contact Marex sales for quotes; no published rate card.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "oceania",
        "traditional",
        "出款",
        "加拿大",
        "意大利",
        "澳大利亚",
        "美国",
        "英国",
        "西班牙",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mbway",
      "name": "MB WAY",
      "aliases": [],
      "website_url": "https://mbway.pt",
      "category": "regional",
      "region": "europe",
      "coverage": "葡萄牙",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "MB WAY 是一家区域型支付服务商，覆盖葡萄牙，支持即时出款、移动支付、二维码支付。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mbway.pt",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "即时出款",
        "移动支付",
        "葡萄牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-amdocs-pay",
      "name": "Amdocs",
      "aliases": [],
      "website_url": "https://amdocs.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Amdocs 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：定制(需询价) enterprise pricing。结算：视情况而定。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://amdocs.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "recurring-payments",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ecocash",
      "name": "EcoCash",
      "aliases": [],
      "website_url": "https://ecocash.co.zw",
      "category": "regional",
      "region": "africa",
      "coverage": "博茨瓦纳 | 刚果(金) | 中国 | 加纳 | 肯尼亚 | 莱索托 | 马拉维 | 卢旺达 | 乌干达 | 南非 | 赞比亚 | 津巴布韦",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包",
        "移动支付",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "EcoCash 是一家区域型支付服务商，覆盖博茨瓦纳、刚果(金)、中国、加纳、肯尼亚、莱索托等，支持即时出款、信用卡/借记卡、电子钱包、移动支付、现金/代金券、跨境汇款/出款。公开费率：Tiered transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Tiered transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ecocash.co.zw",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "中国",
        "乌干达",
        "代金券",
        "信用卡",
        "借记卡",
        "出款",
        "刚果(金)",
        "加纳",
        "南非",
        "博茨瓦纳",
        "卢旺达",
        "即时出款",
        "津巴布韦",
        "现金",
        "电子钱包",
        "移动支付",
        "肯尼亚",
        "莱索托",
        "赞比亚",
        "跨境汇款",
        "马拉维"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-feedzai",
      "name": "Feedzai",
      "aliases": [],
      "website_url": "https://feedzai.com",
      "category": "baas, traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Feedzai 是一家银行即服务(BaaS)服务商，覆盖全球，支持银行即服务(BaaS)。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://feedzai.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "全球",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gumroad",
      "name": "Gumroad",
      "aliases": [],
      "website_url": "https://gumroad.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Gumroad 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：10% 加 $0.50 单笔 for direct sales; 30% 单笔 for marketplace sales。结算：需向服务商确认（公开信息：7 business days）。",
      "fee_note": "公开费率：10% 加 $0.50 单笔 for direct sales; 30% 单笔 for marketplace sales",
      "settlement_note": "需向服务商确认（公开信息：7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gumroad.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "startup-friendly",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gusto",
      "name": "Gusto",
      "aliases": [],
      "website_url": "https://gusto.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Gusto 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：at $40/month 加 $6/person。结算：需向服务商确认（公开信息：2–4 business days）。",
      "fee_note": "公开费率：at $40/month 加 $6/person",
      "settlement_note": "需向服务商确认（公开信息：2–4 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gusto.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-patreon",
      "name": "Patreon",
      "aliases": [],
      "website_url": "https://patreon.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Patreon 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：5-12% platform fee 加 payment processing。结算：需向服务商确认（公开信息：30 business days）。",
      "fee_note": "公开费率：5-12% platform fee 加 payment processing",
      "settlement_note": "需向服务商确认（公开信息：30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://patreon.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-prepaid-financial-services",
      "name": "Prepaid Financial Services",
      "aliases": [],
      "website_url": "https://prepaidfinancialservices.com",
      "category": "baas, traditional",
      "region": "europe",
      "coverage": "英国 | 爱尔兰",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Prepaid Financial Services 是一家银行即服务(BaaS)服务商，覆盖英国、爱尔兰，支持订阅/周期扣款、即时出款、信用卡/借记卡、电子钱包、现金/代金券、跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://prepaidfinancialservices.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "instant-payout",
        "recurring-payments",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "出款",
        "即时出款",
        "周期扣款",
        "爱尔兰",
        "现金",
        "电子钱包",
        "英国",
        "订阅",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-touchbistro",
      "name": "TouchBistro",
      "aliases": [],
      "website_url": "https://touchbistro.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "TouchBistro 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://touchbistro.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-weavr",
      "name": "Weavr",
      "aliases": [],
      "website_url": "https://weavr.io",
      "category": "baas",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Weavr 是一家银行即服务(BaaS)服务商，覆盖英国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://weavr.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "instant-sandbox",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-xero-payments",
      "name": "Xero Payments",
      "aliases": [],
      "website_url": "https://xero.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 英国 | 新西兰 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Xero Payments 是一家传统收单/支付服务商，覆盖澳大利亚、英国、新西兰、美国，支持订阅/周期扣款、信用卡/借记卡、银行转账。公开费率：1.5%–2.9% 单笔。结算：2–3个工作日。",
      "fee_note": "公开费率：1.5%–2.9% 单笔",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://xero.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "新西兰",
        "澳大利亚",
        "美国",
        "英国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-alter-domus",
      "name": "Alter Domus",
      "aliases": [],
      "website_url": "https://alterdomus.com",
      "category": "baas, regional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "澳大利亚 | 比利时 | 德国 | 法国 | 英国 | 中国香港 | 爱尔兰 | 立陶宛 | 卢森堡 | 马耳他 | 荷兰 | 新加坡 | 美国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Alter Domus 是一家银行即服务(BaaS)服务商，覆盖澳大利亚、比利时、德国、法国、英国、中国香港等，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://alterdomus.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "baas",
        "europe",
        "north-america",
        "oceania",
        "regional",
        "中国香港",
        "卢森堡",
        "德国",
        "新加坡",
        "比利时",
        "法国",
        "澳大利亚",
        "爱尔兰",
        "立陶宛",
        "美国",
        "英国",
        "荷兰",
        "银行即服务(BaaS)",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ikajo",
      "name": "Ikajo",
      "aliases": [],
      "website_url": "https://ikajo.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Ikajo 是一家传统收单/支付服务商，覆盖全球，支持加密货币。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ikajo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "north-america",
        "traditional",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-saxo-payments",
      "name": "Saxo Payments (Banking Circle)",
      "aliases": [],
      "website_url": "https://bankingcircle.com",
      "category": "baas, traditional",
      "region": "asia, europe, oceania",
      "coverage": "澳大利亚 | 德国 | 英国 | 列支敦士登 | 卢森堡 | 挪威 | 波兰 | 瑞典 | 新加坡",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Saxo Payments (Banking Circle) 是一家银行即服务(BaaS)服务商，覆盖澳大利亚、德国、英国、列支敦士登、卢森堡、挪威等，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bankingcircle.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "baas",
        "enterprise",
        "europe",
        "oceania",
        "traditional",
        "出款",
        "列支敦士登",
        "卢森堡",
        "德国",
        "挪威",
        "新加坡",
        "波兰",
        "澳大利亚",
        "瑞典",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-canadahelps",
      "name": "CanadaHelps",
      "aliases": [],
      "website_url": "https://www.canadahelps.org/",
      "category": "charity donation payments, fundraising tools",
      "region": "North America",
      "coverage": "Canada",
      "services": [
        "donation forms",
        "charity profile donations",
        "monthly donations",
        "ticketed events",
        "peer-to-peer fundraising",
        "EFT disbursement"
      ],
      "introduction": "CanadaHelps 是加拿大公益捐赠和慈善筹款平台，面向注册慈善机构提供捐赠表单、活动票务、月捐、P2P 筹款和捐赠转付。",
      "fee_note": "官网公开费用：自定义捐赠表单 3.75%，慈善机构 Profile 一次性捐赠 4.5%，月捐 3.5%，票务 5.0%，P2P 5.5%，大额证券捐赠按阶梯收费。",
      "settlement_note": "官方 Donation Delivery Policy 说明已注册 EFT 的慈善机构每周直接入账，未注册 EFT 的机构会被联系登记银行资料或按年度支票汇总。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.canadahelps.org/en/contact-us/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Canada",
        "active / raw import",
        "charity",
        "donations",
        "north-america",
        "recurring-payments",
        "regional",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-diners-club",
      "name": "Diners Club International",
      "aliases": [],
      "website_url": "https://dinersclub.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "澳大利亚 | 保加利亚 | 巴西 | 加拿大 | 德国 | 西班牙 | 法国 | 英国 | 印度 | 意大利 | 日本 | 墨西哥 | 菲律宾 | 波兰 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Diners Club International 是一家传统收单/支付服务商，覆盖澳大利亚、保加利亚、巴西、加拿大、德国、西班牙等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: interchange-plus。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: interchange-plus",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dinersclub.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "加拿大",
        "印度",
        "墨西哥",
        "巴西",
        "德国",
        "意大利",
        "日本",
        "法国",
        "波兰",
        "澳大利亚",
        "美国",
        "英国",
        "菲律宾",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nuapay",
      "name": "Nuapay",
      "aliases": [],
      "website_url": "https://nuapay.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Nuapay 是一家传统收单/支付服务商，覆盖英国，支持订阅/周期扣款、即时出款、信用卡/借记卡、银行转账。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nuapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "instant-payout",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "即时出款",
        "周期扣款",
        "英国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-recharge-payments",
      "name": "Recharge Payments",
      "aliases": [],
      "website_url": "https://rechargepayments.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Recharge Payments 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：From $99/month 加 1.25%。结算：需向服务商确认（公开信息：Via payment processor (Stripe/Braintree)）。",
      "fee_note": "公开费率：From $99/month 加 1.25%",
      "settlement_note": "需向服务商确认（公开信息：Via payment processor (Stripe/Braintree)）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://rechargepayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-viabill",
      "name": "ViaBill",
      "aliases": [],
      "website_url": "https://viabill.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "西班牙 | 挪威 | 美国",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "ViaBill 是一家传统收单/支付服务商，覆盖西班牙、挪威、美国，支持先买后付(BNPL)。公开费率：Merchant fees vary。结算：1–2个工作日。",
      "fee_note": "公开费率：Merchant fees vary",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://viabill.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "traditional",
        "先买后付(BNPL)",
        "挪威",
        "美国",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-crif-realtime",
      "name": "CRIF RealTime",
      "aliases": [],
      "website_url": "https://crif.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "银行转账"
      ],
      "introduction": "CRIF RealTime 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持银行转账。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://crif.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paywise-mauritius",
      "name": "Paywise",
      "aliases": [],
      "website_url": "https://paywiseltd.com",
      "category": "traditional",
      "region": "africa",
      "coverage": "毛里求斯 | 留尼汪",
      "services": [
        "移动支付"
      ],
      "introduction": "Paywise 是一家传统收单/支付服务商，覆盖毛里求斯、留尼汪，支持移动支付。公开费率：2.5% 加 Rs 10 for online payments。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5% 加 Rs 10 for online payments",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paywiseltd.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "traditional",
        "毛里求斯",
        "留尼汪",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-routable",
      "name": "Routable",
      "aliases": [],
      "website_url": "https://routable.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Routable 是一家传统收单/支付服务商，覆盖美国，支持即时出款、跨境汇款/出款。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://routable.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "north-america",
        "traditional",
        "出款",
        "即时出款",
        "美国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-temenos",
      "name": "Temenos",
      "aliases": [],
      "website_url": "https://temenos.com",
      "category": "baas",
      "region": "africa, asia, europe, middle-east, north-america",
      "coverage": "瑞士 | 英国 | 印度 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Temenos 是一家银行即服务(BaaS)服务商，覆盖瑞士、英国、印度、美国，支持订阅/周期扣款。公开费率：定制(需询价) licensing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) licensing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://temenos.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "baas",
        "enterprise",
        "europe",
        "middle-east",
        "north-america",
        "recurring-payments",
        "印度",
        "周期扣款",
        "瑞士",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vagaro",
      "name": "Vagaro",
      "aliases": [],
      "website_url": "https://vagaro.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "澳大利亚 | 英国 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "POS收单"
      ],
      "introduction": "Vagaro 是一家传统收单/支付服务商，覆盖澳大利亚、英国、美国，支持订阅/周期扣款、POS收单。公开费率：From $25/month。结算：下一个工作日。",
      "fee_note": "公开费率：From $25/month",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vagaro.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "澳大利亚",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-waystar",
      "name": "Waystar",
      "aliases": [],
      "website_url": "https://waystar.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Waystar 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://waystar.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ant-group",
      "name": "Ant Group",
      "aliases": [],
      "website_url": "https://antgroup.com",
      "category": "traditional",
      "region": "asia",
      "coverage": "全球",
      "services": [
        "电子钱包"
      ],
      "introduction": "Ant Group 是一家传统收单/支付服务商，覆盖全球，支持电子钱包。公开费率：定制(需询价) B2B pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) B2B pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://antgroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "traditional",
        "全球",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-maxpay",
      "name": "Maxpay",
      "aliases": [],
      "website_url": "https://maxpay.com",
      "category": "high-risk",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Maxpay 是一家高风险行业支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：单笔从3.5%起 单笔。结算：需向服务商确认（公开信息：3–7 business days）。",
      "fee_note": "公开费率：单笔从3.5%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：3–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://maxpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-veem",
      "name": "Veem",
      "aliases": [],
      "website_url": "https://veem.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "即时出款"
      ],
      "introduction": "Veem 是一家传统收单/支付服务商，覆盖全球，支持即时出款。公开费率：Free domestic, 定制(需询价) international。结算：1–3个工作日。",
      "fee_note": "公开费率：Free domestic, 定制(需询价) international",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://veem.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "low-fees",
        "north-america",
        "traditional",
        "全球",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-aza-finance",
      "name": "AZA Finance (BitPesa)",
      "aliases": [],
      "website_url": "https://azafinance.com",
      "category": "traditional",
      "region": "africa",
      "coverage": "加纳 | 肯尼亚 | 尼日利亚 | 坦桑尼亚 | 乌干达 | 南非",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "AZA Finance (BitPesa) 是一家传统收单/支付服务商，覆盖加纳、肯尼亚、尼日利亚、坦桑尼亚、乌干达、南非，支持跨境汇款/出款。公开费率：1-3% 加 FX。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1-3% 加 FX",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://azafinance.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "traditional",
        "乌干达",
        "出款",
        "加纳",
        "南非",
        "坦桑尼亚",
        "尼日利亚",
        "肯尼亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bottomline",
      "name": "Bottomline Technologies",
      "aliases": [],
      "website_url": "https://bottomline.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "瑞士 | 英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Bottomline Technologies 是一家传统收单/支付服务商，覆盖瑞士、英国、美国，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bottomline.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "瑞士",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-exact-payments",
      "name": "Exact Payments",
      "aliases": [],
      "website_url": "https://exactpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "加拿大 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Exact Payments 是一家传统收单/支付服务商，覆盖加拿大、美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://exactpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-orionmonex",
      "name": "Orionmonex",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "africa, europe",
      "coverage": "布基纳法索 | 贝宁 | 刚果(金) | 中非 | 刚果(布) | 科特迪瓦 | 喀麦隆 | 加蓬 | 英国 | 加纳 | 冈比亚 | 几内亚 | 肯尼亚 | 马里 | 马拉维 | 尼日尔 | 尼日利亚 | 卢旺达 | 塞内加尔 | 乍得 | 多哥 | 乌干达",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Orionmonex 是一家区域型支付服务商，覆盖布基纳法索、贝宁、刚果(金)、中非、刚果(布)、科特迪瓦等，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "regional",
        "traditional",
        "中非",
        "乌干达",
        "乍得",
        "冈比亚",
        "几内亚",
        "出款",
        "刚果(布)",
        "刚果(金)",
        "加纳",
        "加蓬",
        "卢旺达",
        "喀麦隆",
        "塞内加尔",
        "多哥",
        "尼日利亚",
        "尼日尔",
        "布基纳法索",
        "科特迪瓦",
        "肯尼亚",
        "英国",
        "贝宁",
        "跨境汇款",
        "马拉维",
        "马里"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paidy",
      "name": "Paidy",
      "aliases": [],
      "website_url": "https://paidy.com",
      "category": "traditional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "电子钱包",
        "先买后付(BNPL)"
      ],
      "introduction": "Paidy 是一家传统收单/支付服务商，覆盖日本，支持电子钱包、先买后付(BNPL)。公开费率：2.5-3.5%。结算：需向服务商确认（公开信息：30 business days）。",
      "fee_note": "公开费率：2.5-3.5%",
      "settlement_note": "需向服务商确认（公开信息：30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paidy.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "startup-friendly",
        "traditional",
        "先买后付(BNPL)",
        "日本",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payrexx",
      "name": "Payrexx",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 瑞士 | 德国 | 西班牙 | 法国 | 意大利 | 荷兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payrexx 是一家传统收单/支付服务商，覆盖奥地利、比利时、瑞士、德国、西班牙、法国等，支持信用卡/借记卡。公开费率：2.2% 加 CHF 0.25 for cards; competitive on local methods。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.2% 加 CHF 0.25 for cards; competitive on local methods",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "奥地利",
        "德国",
        "意大利",
        "比利时",
        "法国",
        "瑞士",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-poli",
      "name": "POLi",
      "aliases": [],
      "website_url": "https://polipay.co.nz",
      "category": "regional",
      "region": "oceania",
      "coverage": "新西兰",
      "services": [
        "银行转账"
      ],
      "introduction": "POLi 是一家区域型支付服务商，覆盖新西兰，支持银行转账。公开费率：1%。结算：即时。",
      "fee_note": "公开费率：1%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://polipay.co.nz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "oceania",
        "regional",
        "startup-friendly",
        "新西兰",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zalando-payments",
      "name": "Zalando Payments",
      "aliases": [],
      "website_url": "https://corporate.zalando.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Zalando Payments 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://corporate.zalando.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-billsby",
      "name": "Billsby",
      "aliases": [],
      "website_url": "https://billsby.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Billsby 是一家传统收单/支付服务商，覆盖英国、美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://billsby.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-carat-fiserv",
      "name": "Carat (Fiserv)",
      "aliases": [],
      "website_url": "https://carat.fiserv.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "澳大利亚 | 德国 | 英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Carat (Fiserv) 是一家传统收单/支付服务商，覆盖澳大利亚、德国、英国、美国，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://carat.fiserv.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "德国",
        "澳大利亚",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gravity-payments",
      "name": "Gravity Payments",
      "aliases": [],
      "website_url": "https://gravitypayments.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "POS收单"
      ],
      "introduction": "Gravity Payments 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡、POS收单。公开费率：Interchange-plus pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange-plus pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gravitypayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mobbex",
      "name": "Mobbex",
      "aliases": [],
      "website_url": "https://mobbex.dev",
      "category": "regional",
      "region": "latin-america",
      "coverage": "阿根廷",
      "services": [
        "即时出款",
        "二维码支付",
        "先买后付(BNPL)"
      ],
      "introduction": "Mobbex 是一家区域型支付服务商，覆盖阿根廷，支持即时出款、二维码支付、先买后付(BNPL)。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mobbex.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "regional",
        "startup-friendly",
        "二维码支付",
        "先买后付(BNPL)",
        "即时出款",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-papara",
      "name": "Papara",
      "aliases": [],
      "website_url": "https://papara.com",
      "category": "traditional",
      "region": "middle-east",
      "coverage": "土耳其",
      "services": [
        "电子钱包"
      ],
      "introduction": "Papara 是一家传统收单/支付服务商，覆盖土耳其，支持电子钱包。公开费率：1.8% 加 ₺0.20 for digital wallet payments。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.8% 加 ₺0.20 for digital wallet payments",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://papara.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "traditional",
        "土耳其",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payme-hk",
      "name": "PayMe HK",
      "aliases": [],
      "website_url": "https://payme.hsbc.com.hk",
      "category": "regional",
      "region": "asia",
      "coverage": "中国香港",
      "services": [
        "即时出款",
        "电子钱包",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "PayMe HK 是一家区域型支付服务商，覆盖中国香港，支持即时出款、电子钱包、移动支付、二维码支付。公开费率：1.5-2.5% for merchant payments。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.5-2.5% for merchant payments",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payme.hsbc.com.hk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "中国香港",
        "二维码支付",
        "即时出款",
        "电子钱包",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-portmone",
      "name": "Portmone",
      "aliases": [],
      "website_url": "https://portmone.com.ua",
      "category": "regional",
      "region": "europe",
      "coverage": "乌克兰",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "Portmone 是一家区域型支付服务商，覆盖乌克兰，支持即时出款、二维码支付。公开费率：定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://portmone.com.ua",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "乌克兰",
        "二维码支付",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-blackhawk-network",
      "name": "Blackhawk Network",
      "aliases": [],
      "website_url": "https://blackhawknetwork.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "Blackhawk Network 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡、现金/代金券。公开费率：定制(需询价) pricing。结算：2–5个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "2–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://blackhawknetwork.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "全球",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-enfuce",
      "name": "Enfuce",
      "aliases": [],
      "website_url": "https://enfuce.com",
      "category": "baas",
      "region": "europe",
      "coverage": "芬兰 | 英国 | 瑞典",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Enfuce 是一家银行即服务(BaaS)服务商，覆盖芬兰、英国、瑞典，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://enfuce.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "recurring-payments",
        "周期扣款",
        "瑞典",
        "芬兰",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-headnote",
      "name": "Headnote",
      "aliases": [],
      "website_url": "https://headnote.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Headnote 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡、银行转账。公开费率：1.9% for eCheck (1-day settlement); 2.9% for credit card。结算：下一个工作日。",
      "fee_note": "公开费率：1.9% for eCheck (1-day settlement); 2.9% for credit card",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://headnote.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hsbc-digital-merchant-services",
      "name": "HSBC Digital Merchant Services",
      "aliases": [],
      "website_url": "https://business.hsbc.com.hk",
      "category": "regional, traditional",
      "region": "asia",
      "coverage": "中国香港",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "HSBC Digital Merchant Services 是一家区域型支付服务商，覆盖中国香港，支持信用卡/借记卡、电子钱包。公开费率：Pricing not publicly disclosed — contact HSBC Relationship Manager for merchant pricing.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Pricing not publicly disclosed — contact HSBC Relationship Manager for merchant pricing.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://business.hsbc.com.hk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "traditional",
        "中国香港",
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nice-payments",
      "name": "Nice Payments",
      "aliases": [],
      "website_url": "https://nicepay.co.kr",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付"
      ],
      "introduction": "Nice Payments 是一家区域型支付服务商，覆盖韩国，支持信用卡/借记卡、银行转账、移动支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nicepay.co.kr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "信用卡",
        "借记卡",
        "移动支付",
        "银行转账",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymentus",
      "name": "Paymentus",
      "aliases": [],
      "website_url": "https://paymentus.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Paymentus 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymentus.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pelican",
      "name": "Pelican AI",
      "aliases": [],
      "website_url": "https://pelican.ai",
      "category": "baas, regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Pelican AI 是一家银行即服务(BaaS)服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pelican.ai",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "克罗地亚",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行即服务(BaaS)",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sofort",
      "name": "Sofort",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 瑞士 | 德国 | 西班牙 | 意大利 | 荷兰 | 波兰",
      "services": [
        "银行转账",
        "先买后付(BNPL)"
      ],
      "introduction": "Sofort 是一家区域型支付服务商，覆盖奥地利、比利时、瑞士、德国、西班牙、意大利等，支持银行转账、先买后付(BNPL)。公开费率：单笔从0.9%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从0.9%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "regional",
        "先买后付(BNPL)",
        "奥地利",
        "德国",
        "意大利",
        "比利时",
        "波兰",
        "瑞士",
        "荷兰",
        "西班牙",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-worldremit",
      "name": "WorldRemit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "银行转账",
        "移动支付",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "WorldRemit 是一家传统收单/支付服务商，覆盖全球，支持即时出款、银行转账、移动支付、现金/代金券、跨境汇款/出款。公开费率：From $0.99 每transfer。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $0.99 每transfer",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "instant-payout",
        "latin-america",
        "low-fees",
        "traditional",
        "代金券",
        "全球",
        "出款",
        "即时出款",
        "现金",
        "移动支付",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ezlink",
      "name": "EZ-Link",
      "aliases": [],
      "website_url": "https://ezlink.com.sg",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "新加坡",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "EZ-Link 是一家区域型支付服务商，覆盖新加坡，支持信用卡/借记卡、电子钱包、二维码支付、跨境汇款/出款。公开费率：Low per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ezlink.com.sg",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "regional",
        "southeast-asia",
        "二维码支付",
        "信用卡",
        "借记卡",
        "出款",
        "新加坡",
        "电子钱包",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hoolah",
      "name": "Hoolah (Atome)",
      "aliases": [],
      "website_url": "https://hoolah.co",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "中国香港 | 马来西亚 | 新加坡",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Hoolah (Atome) 是一家区域型支付服务商，覆盖中国香港、马来西亚、新加坡，支持先买后付(BNPL)。公开费率：Merchant-funded。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant-funded",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hoolah.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "中国香港",
        "先买后付(BNPL)",
        "新加坡",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-saltpay",
      "name": "SaltPay",
      "aliases": [],
      "website_url": "https://teya.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "捷克 | 英国 | 冰岛 | 葡萄牙",
      "services": [
        "即时出款",
        "POS收单"
      ],
      "introduction": "SaltPay 是一家传统收单/支付服务商，覆盖捷克、英国、冰岛、葡萄牙，支持即时出款、POS收单。公开费率：单笔从0.99%起。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：单笔从0.99%起",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://teya.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "instant-payout",
        "startup-friendly",
        "traditional",
        "冰岛",
        "即时出款",
        "捷克",
        "英国",
        "葡萄牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bkash",
      "name": "bKash",
      "aliases": [],
      "website_url": "https://bkash.com",
      "category": "regional",
      "region": "asia",
      "coverage": "孟加拉国",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "bKash 是一家区域型支付服务商，覆盖孟加拉国，支持即时出款、跨境汇款/出款。公开费率：1.85% for merchants。结算：即时。",
      "fee_note": "公开费率：1.85% for merchants",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bkash.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "出款",
        "即时出款",
        "孟加拉国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cebuana-lhuillier",
      "name": "Cebuana Lhuillier",
      "aliases": [],
      "website_url": "https://cebuanalhuillier.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Cebuana Lhuillier 是一家区域型支付服务商，覆盖菲律宾，支持现金/代金券、跨境汇款/出款。公开费率：视情况而定 by service。结算：即时。",
      "fee_note": "公开费率：视情况而定 by service",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cebuanalhuillier.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "regional",
        "southeast-asia",
        "代金券",
        "出款",
        "现金",
        "菲律宾",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lunar-dk",
      "name": "Lunar",
      "aliases": [],
      "website_url": "https://lunar.app",
      "category": "traditional",
      "region": "europe",
      "coverage": "芬兰 | 挪威 | 瑞典",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Lunar 是一家传统收单/支付服务商，覆盖芬兰、挪威、瑞典，支持信用卡/借记卡。公开费率：0-1% depending on account type。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0-1% depending on account type",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lunar.app",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "挪威",
        "瑞典",
        "芬兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-onepay-vn",
      "name": "OnePay Vietnam",
      "aliases": [],
      "website_url": "https://onepay.vn",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "越南",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "二维码支付"
      ],
      "introduction": "OnePay Vietnam 是一家区域型支付服务商，覆盖越南，支持信用卡/借记卡、银行转账、二维码支付。公开费率：单笔从1.5%起 单笔。结算：需向服务商确认（公开信息：7 business days）。",
      "fee_note": "公开费率：单笔从1.5%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://onepay.vn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "二维码支付",
        "信用卡",
        "借记卡",
        "越南",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payop-gaming",
      "name": "PayOp Gaming",
      "aliases": [],
      "website_url": "https://payop.com",
      "category": "gaming",
      "region": "asia, europe",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "PayOp Gaming 是一家游戏支付服务商，覆盖全球，支持加密货币。公开费率：Variable。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Variable",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payop.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto-support",
        "europe",
        "gaming",
        "high-risk-accepted",
        "virtual-items",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tonder",
      "name": "Tonder",
      "aliases": [],
      "website_url": "https://tonder.io",
      "category": "regional",
      "region": "latin-america",
      "coverage": "墨西哥",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Tonder 是一家区域型支付服务商，覆盖墨西哥，支持信用卡/借记卡。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tonder.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "墨西哥"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-idpay-iran",
      "name": "IDPay Iran",
      "aliases": [],
      "website_url": "https://idpay.ir",
      "category": "regional",
      "region": "middle-east",
      "coverage": "伊朗",
      "services": [
        "电子钱包"
      ],
      "introduction": "IDPay Iran 是一家区域型支付服务商，覆盖伊朗，支持电子钱包。公开费率：1% with min 100 IRR, max 3000 IRR。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1% with min 100 IRR, max 3000 IRR",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://idpay.ir",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "regional",
        "startup-friendly",
        "伊朗",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lawpay",
      "name": "LawPay",
      "aliases": [],
      "website_url": "https://lawpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "LawPay 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、信用卡/借记卡、银行转账。公开费率：单笔从2.95%起 单笔。结算：1–2个工作日。",
      "fee_note": "公开费率：单笔从2.95%起 单笔",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lawpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "美国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payme-uzb",
      "name": "Payme (Uzbekistan)",
      "aliases": [],
      "website_url": "https://payme.uz",
      "category": "regional",
      "region": "asia",
      "coverage": "乌兹别克斯坦",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "Payme (Uzbekistan) 是一家区域型支付服务商，覆盖乌兹别克斯坦，支持即时出款、移动支付、二维码支付。公开费率：Low transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payme.uz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "startup-friendly",
        "乌兹别克斯坦",
        "二维码支付",
        "即时出款",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ria-money-transfer",
      "name": "Ria Money Transfer",
      "aliases": [],
      "website_url": "https://riamoneytransfer.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Ria Money Transfer 是一家传统收单/支付服务商，覆盖全球，支持即时出款、跨境汇款/出款。公开费率：From $0 for some corridors。结算：即时。",
      "fee_note": "公开费率：From $0 for some corridors",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://riamoneytransfer.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zenith",
      "name": "Zenith Bank (UK)",
      "aliases": [],
      "website_url": "https://zenith-bank.co.uk",
      "category": "regional, traditional",
      "region": "africa, europe",
      "coverage": "英国 | 尼日利亚",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Zenith Bank (UK) 是一家区域型支付服务商，覆盖英国、尼日利亚，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zenith-bank.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "europe",
        "regional",
        "traditional",
        "出款",
        "尼日利亚",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-amadeus-it",
      "name": "Amadeus",
      "aliases": [],
      "website_url": "https://amadeus.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "德国 | 西班牙 | 法国 | 新加坡 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Amadeus 是一家传统收单/支付服务商，覆盖德国、西班牙、法国、新加坡、美国，支持信用卡/借记卡。公开费率：Per-booking fees。结算：视情况而定。",
      "fee_note": "公开费率：Per-booking fees",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://amadeus.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "德国",
        "新加坡",
        "法国",
        "美国",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-incomm-payments",
      "name": "InComm Payments",
      "aliases": [],
      "website_url": "https://incomm.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "InComm Payments 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡、现金/代金券。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://incomm.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "全球",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-invoice-ninja",
      "name": "Invoice Ninja",
      "aliases": [],
      "website_url": "https://invoiceninja.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "美国",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款",
        "电子钱包"
      ],
      "introduction": "Invoice Ninja 是一家传统收单/支付服务商，覆盖美国，支持加密货币、订阅/周期扣款、电子钱包。公开费率：Free open-source; Pro from $10/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free open-source; Pro from $10/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://invoiceninja.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "加密货币",
        "周期扣款",
        "电子钱包",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-khipu",
      "name": "Khipu",
      "aliases": [],
      "website_url": "https://khipu.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "智利",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Khipu 是一家区域型支付服务商，覆盖智利，支持即时出款、银行转账。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://khipu.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "low-fees",
        "regional",
        "即时出款",
        "智利",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-octopus",
      "name": "Octopus Card",
      "aliases": [],
      "website_url": "https://octopus.com.hk",
      "category": "regional",
      "region": "asia",
      "coverage": "中国香港",
      "services": [
        "移动支付"
      ],
      "introduction": "Octopus Card 是一家区域型支付服务商，覆盖中国香港，支持移动支付。公开费率：单笔从1.5%起 for merchants。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从1.5%起 for merchants",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://octopus.com.hk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "中国香港",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tilled",
      "name": "Tilled",
      "aliases": [],
      "website_url": "https://tilled.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Tilled 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tilled.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-sandbox",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vodapay",
      "name": "VodaPay",
      "aliases": [],
      "website_url": "https://vodapay.vodacom.co.za",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "VodaPay 是一家区域型支付服务商，覆盖南非，支持二维码支付、跨境汇款/出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vodapay.vodacom.co.za",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "startup-friendly",
        "二维码支付",
        "出款",
        "南非",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wetravel",
      "name": "WeTravel",
      "aliases": [],
      "website_url": "https://wetravel.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "WeTravel 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：2.9% 加 platform fees for payment processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.9% 加 platform fees for payment processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wetravel.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-imepay",
      "name": "IME Pay",
      "aliases": [],
      "website_url": "https://imepay.com.np",
      "category": "regional",
      "region": "asia",
      "coverage": "尼泊尔",
      "services": [
        "即时出款",
        "电子钱包"
      ],
      "introduction": "IME Pay 是一家区域型支付服务商，覆盖尼泊尔，支持即时出款、电子钱包。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://imepay.com.np",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "即时出款",
        "尼泊尔",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jack-henry-payments",
      "name": "Jack Henry & Associates",
      "aliases": [],
      "website_url": "https://jackhenry.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Jack Henry & Associates 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Per-institution pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-institution pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://jackhenry.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-judopay",
      "name": "Judopay",
      "aliases": [],
      "website_url": "https://judopay.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "英国 | 爱尔兰",
      "services": [
        "移动支付"
      ],
      "introduction": "Judopay 是一家传统收单/支付服务商，覆盖英国、爱尔兰，支持移动支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://judopay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-sandbox",
        "startup-friendly",
        "traditional",
        "爱尔兰",
        "移动支付",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kareo",
      "name": "Kareo",
      "aliases": [],
      "website_url": "https://kareo.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Kareo 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kareo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pax-technology",
      "name": "PAX Technology",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "POS收单"
      ],
      "introduction": "PAX Technology 是一家传统收单/支付服务商，覆盖全球，支持POS收单。公开费率：Hardware pricing 视情况而定。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Hardware pricing 视情况而定",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payza",
      "name": "Payza",
      "aliases": [],
      "website_url": "https://payza.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Payza 是一家传统收单/支付服务商，覆盖全球，支持加密货币、现金/代金券、跨境汇款/出款。公开费率：2.5% 加 $0.25 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5% 加 $0.25 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payza.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "crypto-support",
        "europe",
        "north-america",
        "traditional",
        "代金券",
        "全球",
        "出款",
        "加密货币",
        "现金",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-samsung-pay",
      "name": "Samsung Pay",
      "aliases": [],
      "website_url": "https://samsung.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "澳大利亚 | 西班牙 | 英国 | 印度 | 韩国 | 美国",
      "services": [
        "移动支付"
      ],
      "introduction": "Samsung Pay 是一家传统收单/支付服务商，覆盖澳大利亚、西班牙、英国、印度、韩国、美国，支持移动支付。公开费率：Free for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://samsung.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "traditional",
        "印度",
        "澳大利亚",
        "移动支付",
        "美国",
        "英国",
        "西班牙",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tranzzo",
      "name": "Tranzzo",
      "aliases": [],
      "website_url": "https://tranzzo.com",
      "category": "baas",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Tranzzo 是一家银行即服务(BaaS)服务商，覆盖全球，支持银行即服务(BaaS)。公开费率：定制(需询价) pricing for white-label services。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing for white-label services",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tranzzo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "baas",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bizum",
      "name": "Bizum",
      "aliases": [],
      "website_url": "https://bizum.es",
      "category": "regional",
      "region": "europe",
      "coverage": "西班牙",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Bizum 是一家区域型支付服务商，覆盖西班牙，支持即时出款、移动支付。公开费率：Free for P2P, merchant fees vary。结算：即时。",
      "fee_note": "公开费率：Free for P2P, merchant fees vary",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bizum.es",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "移动支付",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cartes-bancaires",
      "name": "Cartes Bancaires",
      "aliases": [],
      "website_url": "https://cartes-bancaires.com",
      "category": "regional",
      "region": "europe",
      "coverage": "法国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Cartes Bancaires 是一家区域型支付服务商，覆盖法国，支持信用卡/借记卡。公开费率：Interchange: Debit 0.20%, Credit 0.30%, Commercial 0.90%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange: Debit 0.20%, Credit 0.30%, Commercial 0.90%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cartes-bancaires.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "法国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mx-technologies",
      "name": "MX Technologies",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "MX Technologies 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–2个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rainforest-pay",
      "name": "Rainforest Pay",
      "aliases": [],
      "website_url": "https://rainforestpay.com",
      "category": "baas",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Rainforest Pay 是一家银行即服务(BaaS)服务商，覆盖美国，支持银行即服务(BaaS)。公开费率：Interchange 加 markup。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange 加 markup",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://rainforestpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "instant-sandbox",
        "north-america",
        "startup-friendly",
        "美国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-clickpay",
      "name": "ClickPay",
      "aliases": [],
      "website_url": "https://clickpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "ClickPay 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：Per-transaction。结算：下一个工作日。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://clickpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-multibanco",
      "name": "MultiBanco",
      "aliases": [],
      "website_url": "https://multibanco.pt",
      "category": "regional",
      "region": "europe",
      "coverage": "葡萄牙",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "MultiBanco 是一家区域型支付服务商，覆盖葡萄牙，支持信用卡/借记卡。公开费率：From €0.10 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：From €0.10 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://multibanco.pt",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "葡萄牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-strex",
      "name": "Strex",
      "aliases": [],
      "website_url": "https://strex.no",
      "category": "regional",
      "region": "europe",
      "coverage": "挪威",
      "services": [
        "移动支付"
      ],
      "introduction": "Strex 是一家区域型支付服务商，覆盖挪威，支持移动支付。公开费率：3-10%。结算：需向服务商确认（公开信息：30–60 business days）。",
      "fee_note": "公开费率：3-10%",
      "settlement_note": "需向服务商确认（公开信息：30–60 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://strex.no",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "挪威",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-flowhub",
      "name": "Flowhub",
      "aliases": [],
      "website_url": "https://flowhub.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Flowhub 是一家高风险行业支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://flowhub.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "enterprise",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kashier",
      "name": "Kashier",
      "aliases": [],
      "website_url": "https://kashier.io",
      "category": "regional",
      "region": "africa, middle-east",
      "coverage": "埃及",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "先买后付(BNPL)"
      ],
      "introduction": "Kashier 是一家区域型支付服务商，覆盖埃及，支持信用卡/借记卡、电子钱包、先买后付(BNPL)。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：3 business days）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：3 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kashier.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "middle-east",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "埃及",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mirakl",
      "name": "Mirakl",
      "aliases": [],
      "website_url": "https://mirakl.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Mirakl 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Configurable per marketplace）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Configurable per marketplace）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mirakl.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payall",
      "name": "Payall",
      "aliases": [],
      "website_url": "https://payall.com",
      "category": "traditional",
      "region": "africa, asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "银行转账",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Payall 是一家传统收单/支付服务商，覆盖全球，支持即时出款、银行转账、电子钱包、跨境汇款/出款。公开费率：Per-transaction 加 FX。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction 加 FX",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payall.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "instant-payout",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paydock",
      "name": "Paydock",
      "aliases": [],
      "website_url": "https://paydock.com",
      "category": "traditional",
      "region": "europe, oceania",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Paydock 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paydock.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "instant-sandbox",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-privacy-com",
      "name": "Privacy.com",
      "aliases": [],
      "website_url": "https://privacy.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Privacy.com 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡、订阅/周期扣款。公开费率：Free personal plan, $10/month premium。结算：1–2个工作日。",
      "fee_note": "公开费率：Free personal plan, $10/month premium",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://privacy.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ratepay",
      "name": "Ratepay",
      "aliases": [],
      "website_url": "https://ratepay.com",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 瑞士 | 德国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账",
        "先买后付(BNPL)",
        "账单",
        "发票支付"
      ],
      "introduction": "Ratepay 是一家区域型支付服务商，覆盖奥地利、瑞士、德国，支持订阅/周期扣款、信用卡/借记卡、银行转账、先买后付(BNPL)、账单/发票支付。公开费率：定制(需询价) pricing。结算：2–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ratepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "recurring-payments",
        "regional",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "发票支付",
        "周期扣款",
        "奥地利",
        "德国",
        "瑞士",
        "订阅",
        "账单",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tab-travel",
      "name": "Tab",
      "aliases": [],
      "website_url": "https://business.tab.travel",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Tab 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：2.5-3% for travel transactions。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5-3% for travel transactions",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://business.tab.travel",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-banco-inter",
      "name": "Banco Inter (Brazil)",
      "aliases": [],
      "website_url": "https://bancointer.com.br",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "Banco Inter (Brazil) 是一家区域型支付服务商，覆盖巴西，支持即时出款、二维码支付。公开费率：Free Pix; card fees 单笔从1.99%起。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free Pix; card fees 单笔从1.99%起",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bancointer.com.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "low-fees",
        "regional",
        "二维码支付",
        "即时出款",
        "巴西"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-eml-money-dac",
      "name": "EML Money DAC",
      "aliases": [],
      "website_url": "https://emlpayments.com",
      "category": "baas, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 爱尔兰 | 意大利 | 荷兰 | 挪威 | 波兰 | 瑞典",
      "services": [
        "银行即服务(BaaS)",
        "信用卡",
        "借记卡",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "EML Money DAC 是一家银行即服务(BaaS)服务商，覆盖奥地利、比利时、德国、西班牙、芬兰、法国等，支持银行即服务(BaaS)、信用卡/借记卡、现金/代金券、跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://emlpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "出款",
        "奥地利",
        "德国",
        "意大利",
        "挪威",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "现金",
        "瑞典",
        "芬兰",
        "英国",
        "荷兰",
        "西班牙",
        "跨境汇款",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-monex",
      "name": "Monex Europe",
      "aliases": [],
      "website_url": "https://monexglobal.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "西班牙 | 英国 | 卢森堡 | 荷兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Monex Europe 是一家区域型支付服务商，覆盖西班牙、英国、卢森堡、荷兰，支持信用卡/借记卡。公开费率：Bespoke spreads on FX conversion plus per-payment fees, negotiated per client; no public price list.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Bespoke spreads on FX conversion plus per-payment fees, negotiated per client; no public price list.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://monexglobal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "卢森堡",
        "英国",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-oxxo",
      "name": "OXXO",
      "aliases": [],
      "website_url": "https://oxxo.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "墨西哥",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "OXXO 是一家区域型支付服务商，覆盖墨西哥，支持现金/代金券。公开费率：Fixed fee per payment。结算：1–3个工作日。",
      "fee_note": "公开费率：Fixed fee per payment",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://oxxo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "代金券",
        "墨西哥",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-red-dot-payment",
      "name": "Red Dot Payment",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "southeast-asia",
      "coverage": "马来西亚 | 新加坡 | 泰国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Red Dot Payment 是一家传统收单/支付服务商，覆盖马来西亚、新加坡、泰国，支持信用卡/借记卡。公开费率：2.5% 加 SGD 0.50 for card payments。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5% 加 SGD 0.50 for card payments",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "新加坡",
        "泰国",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ripple-xrp",
      "name": "Ripple (XRP)",
      "aliases": [],
      "website_url": "https://ripple.com",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Ripple (XRP) 是一家加密货币支付服务商，覆盖全球，支持加密货币、跨境汇款/出款。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ripple.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk-accepted",
        "north-america",
        "全球",
        "出款",
        "加密货币",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-danal",
      "name": "Danal",
      "aliases": [],
      "website_url": "https://danal.co.kr",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "加密货币",
        "即时出款",
        "信用卡",
        "借记卡",
        "移动支付"
      ],
      "introduction": "Danal 是一家区域型支付服务商，覆盖韩国，支持加密货币、即时出款、信用卡/借记卡、移动支付。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://danal.co.kr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "crypto-support",
        "enterprise",
        "instant-payout",
        "regional",
        "信用卡",
        "借记卡",
        "加密货币",
        "即时出款",
        "移动支付",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jobber-payments",
      "name": "Jobber Payments",
      "aliases": [],
      "website_url": "https://getjobber.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Jobber Payments 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：2.9% 加 $0.30 online, 2.5% 加 $0.10 in-person。结算：需向服务商确认（公开信息：2–4 business days）。",
      "fee_note": "公开费率：2.9% 加 $0.30 online, 2.5% 加 $0.10 in-person",
      "settlement_note": "需向服务商确认（公开信息：2–4 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://getjobber.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-splitit",
      "name": "Splitit",
      "aliases": [],
      "website_url": "https://splitit.github.io",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡",
        "先买后付(BNPL)"
      ],
      "introduction": "Splitit 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡、先买后付(BNPL)。公开费率：Merchant fees 1.5%–3% 单笔。结算：需向服务商确认（公开信息：14–28 business days）。",
      "fee_note": "公开费率：Merchant fees 1.5%–3% 单笔",
      "settlement_note": "需向服务商确认（公开信息：14–28 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://splitit.github.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-coast-fleet",
      "name": "Coast",
      "aliases": [],
      "website_url": "https://coastpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "加拿大 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Coast 是一家传统收单/支付服务商，覆盖加拿大、美国，支持信用卡/借记卡。公开费率：$4/active user/month; 2.5% international transaction fee; no per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：$4/active user/month; 2.5% international transaction fee; no per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://coastpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-osko-bpay",
      "name": "Osko by BPAY",
      "aliases": [],
      "website_url": "https://osko.com.au",
      "category": "regional",
      "region": "oceania",
      "coverage": "澳大利亚",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Osko by BPAY 是一家区域型支付服务商，覆盖澳大利亚，支持即时出款、银行转账。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://osko.com.au",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "oceania",
        "regional",
        "即时出款",
        "澳大利亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-param",
      "name": "Param",
      "aliases": [],
      "website_url": "https://param.com.tr",
      "category": "regional",
      "region": "europe, middle-east",
      "coverage": "土耳其",
      "services": [
        "电子钱包",
        "POS收单"
      ],
      "introduction": "Param 是一家区域型支付服务商，覆盖土耳其，支持电子钱包、POS收单。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://param.com.tr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "middle-east",
        "regional",
        "startup-friendly",
        "土耳其",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-safexpay",
      "name": "Safexpay",
      "aliases": [],
      "website_url": "https://safexpay.com",
      "category": "traditional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "二维码支付",
        "POS收单"
      ],
      "introduction": "Safexpay 是一家传统收单/支付服务商，覆盖印度，支持信用卡/借记卡、电子钱包、二维码支付、POS收单。公开费率：1.5-2%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.5-2%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://safexpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "startup-friendly",
        "traditional",
        "二维码支付",
        "信用卡",
        "借记卡",
        "印度",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-budpay",
      "name": "Budpay",
      "aliases": [],
      "website_url": "https://budpay.com",
      "category": "regional",
      "region": "africa",
      "coverage": "尼日利亚",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Budpay 是一家区域型支付服务商，覆盖尼日利亚，支持即时出款、跨境汇款/出款。公开费率：1.5% capped at NGN 2,000。结算：1–2个工作日。",
      "fee_note": "公开费率：1.5% capped at NGN 2,000",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://budpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "startup-friendly",
        "出款",
        "即时出款",
        "尼日利亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cibc",
      "name": "CIBC",
      "aliases": [],
      "website_url": "https://cibc.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "加拿大 | 英国 | 美国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "POS收单",
        "订阅",
        "周期扣款",
        "现金",
        "代金券"
      ],
      "introduction": "CIBC 是一家传统收单/支付服务商，覆盖加拿大、英国、美国，支持信用卡/借记卡、银行转账、电子钱包、POS收单、订阅/周期扣款、现金/代金券。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cibc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "north-america",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "加拿大",
        "周期扣款",
        "现金",
        "电子钱包",
        "美国",
        "英国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-faster-payments-uk",
      "name": "Faster Payments",
      "aliases": [],
      "website_url": "https://fasterpayments.org.uk",
      "category": "traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Faster Payments 是一家传统收单/支付服务商，覆盖英国，支持即时出款、银行转账。公开费率：Free for consumers; bank fees for businesses。结算：需向服务商确认（公开信息：Near-instant）。",
      "fee_note": "公开费率：Free for consumers; bank fees for businesses",
      "settlement_note": "需向服务商确认（公开信息：Near-instant）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fasterpayments.org.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "traditional",
        "即时出款",
        "英国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ikhokha",
      "name": "iKhokha",
      "aliases": [],
      "website_url": "https://ikhokha.com",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "二维码支付",
        "POS收单"
      ],
      "introduction": "iKhokha 是一家区域型支付服务商，覆盖南非，支持二维码支付、POS收单。公开费率：2.85% 加 VAT 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.85% 加 VAT 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ikhokha.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "low-fees",
        "regional",
        "startup-friendly",
        "二维码支付",
        "南非"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rectangle-health",
      "name": "Rectangle Health",
      "aliases": [],
      "website_url": "https://rectanglehealth.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Rectangle Health 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://rectanglehealth.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-swaps-crypto",
      "name": "Swaps",
      "aliases": [],
      "website_url": "https://swaps.app",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Swaps 是一家加密货币支付服务商，覆盖全球，支持加密货币。公开费率：1-2% for crypto transactions and conversions。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1-2% for crypto transactions and conversions",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://swaps.app",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zeffy",
      "name": "Zeffy",
      "aliases": [],
      "website_url": "https://zeffy.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐",
        "众筹",
        "募资"
      ],
      "introduction": "Zeffy 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、捐赠/募捐、众筹/募资。公开费率：100% free for nonprofits。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：100% free for nonprofits",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zeffy.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "众筹",
        "募捐",
        "募资",
        "周期扣款",
        "捐赠",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zelle",
      "name": "Zelle",
      "aliases": [],
      "website_url": "https://zellepay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "Zelle 是一家传统收单/支付服务商，覆盖美国，支持即时出款、银行转账。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zellepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "north-america",
        "traditional",
        "即时出款",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-axis-bank",
      "name": "Axis Bank",
      "aliases": [],
      "website_url": "https://axis.bank.in",
      "category": "regional, traditional",
      "region": "asia, middle-east",
      "coverage": "阿联酋 | 印度 | 新加坡",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Axis Bank 是一家区域型支付服务商，覆盖阿联酋、印度、新加坡，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://axis.bank.in",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "middle-east",
        "regional",
        "traditional",
        "出款",
        "印度",
        "新加坡",
        "跨境汇款",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bankaxept",
      "name": "BankAxept",
      "aliases": [],
      "website_url": "https://bankaxept.no",
      "category": "regional",
      "region": "europe",
      "coverage": "挪威",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "BankAxept 是一家区域型支付服务商，覆盖挪威，支持信用卡/借记卡。公开费率：0.19-1.75%。结算：1–2个工作日。",
      "fee_note": "公开费率：0.19-1.75%",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bankaxept.no",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "挪威"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payabl",
      "name": "Payabl",
      "aliases": [],
      "website_url": "https://payabl.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payabl 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payabl.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bank-of-the-philippine-islands",
      "name": "Bank of the Philippine Islands",
      "aliases": [],
      "website_url": "https://bpi.com.ph",
      "category": "regional, traditional",
      "region": "asia, southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Bank of the Philippine Islands 是一家区域型支付服务商，覆盖菲律宾，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bpi.com.ph",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "菲律宾"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-billtrust",
      "name": "Billtrust",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "Billtrust 是一家传统收单/支付服务商，覆盖美国，支持现金/代金券。公开费率：定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "代金券",
        "现金",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ordergroove",
      "name": "Ordergroove",
      "aliases": [],
      "website_url": "https://ordergroove.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Ordergroove 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ordergroove.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paysafecard",
      "name": "Paysafecard",
      "aliases": [],
      "website_url": "https://paysafecard.com",
      "category": "traditional",
      "region": "europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "Paysafecard 是一家传统收单/支付服务商，覆盖全球，支持现金/代金券。公开费率：Free for consumers, merchant fees vary。结算：1–2个工作日。",
      "fee_note": "公开费率：Free for consumers, merchant fees vary",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paysafecard.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "代金券",
        "全球",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rede",
      "name": "Rede",
      "aliases": [],
      "website_url": "https://userede.com.br",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Rede 是一家区域型支付服务商，覆盖巴西，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://userede.com.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "信用卡",
        "借记卡",
        "巴西"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bakong",
      "name": "Bakong",
      "aliases": [],
      "website_url": "https://bakong.nbc.gov.kh",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "柬埔寨",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "Bakong 是一家区域型支付服务商，覆盖柬埔寨，支持即时出款、二维码支付。公开费率：Free。结算：即时。",
      "fee_note": "公开费率：Free",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bakong.nbc.gov.kh",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "二维码支付",
        "即时出款",
        "柬埔寨"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-benefitpay",
      "name": "BenefitPay",
      "aliases": [],
      "website_url": "https://benefitpay.bh",
      "category": "regional",
      "region": "middle-east",
      "coverage": "巴林",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "BenefitPay 是一家区域型支付服务商，覆盖巴林，支持即时出款、移动支付、二维码支付。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://benefitpay.bh",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "middle-east",
        "regional",
        "二维码支付",
        "即时出款",
        "巴林",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bp-remit",
      "name": "BP Remit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 爱沙尼亚 | 英国 | 立陶宛 | 波兰",
      "services": [
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "BP Remit 是一家区域型支付服务商，覆盖奥地利、爱沙尼亚、英国、立陶宛、波兰，支持现金/代金券、跨境汇款/出款。公开费率：From ~1% 每transfer on selected corridors (e.g. EU-to-Lithuania at 1% flat per TAdviser); rates vary by corridor and payout method.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From ~1% 每transfer on selected corridors (e.g. EU-to-Lithuania at 1% flat per TAdviser); rates vary by corridor and payout method.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "代金券",
        "出款",
        "奥地利",
        "波兰",
        "爱沙尼亚",
        "现金",
        "立陶宛",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-glossgenius",
      "name": "GlossGenius",
      "aliases": [],
      "website_url": "https://glossgenius.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "GlossGenius 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：$24/month 加 2.6% processing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：$24/month 加 2.6% processing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://glossgenius.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-justgiving",
      "name": "JustGiving Payments",
      "aliases": [],
      "website_url": "https://justgiving.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "澳大利亚 | 英国 | 爱尔兰",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐",
        "众筹",
        "募资"
      ],
      "introduction": "JustGiving Payments 是一家传统收单/支付服务商，覆盖澳大利亚、英国、爱尔兰，支持订阅/周期扣款、捐赠/募捐、众筹/募资。公开费率：1.9% 加 £0.20 per donation。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.9% 加 £0.20 per donation",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://justgiving.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "众筹",
        "募捐",
        "募资",
        "周期扣款",
        "捐赠",
        "澳大利亚",
        "爱尔兰",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-phreesia",
      "name": "Phreesia",
      "aliases": [],
      "website_url": "https://phreesia.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Phreesia 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://phreesia.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-salt-edge",
      "name": "Salt Edge",
      "aliases": [],
      "website_url": "https://saltedge.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "银行转账"
      ],
      "introduction": "Salt Edge 是一家传统收单/支付服务商，覆盖全球，支持银行转账。公开费率：定制(需询价) pricing。结算：视情况而定。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://saltedge.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "全球",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hub2",
      "name": "HUB2",
      "aliases": [],
      "website_url": "https://hub2.io",
      "category": "regional",
      "region": "africa",
      "coverage": "布基纳法索 | 贝宁 | 科特迪瓦 | 喀麦隆 | 加蓬 | 几内亚 | 马里 | 尼日尔 | 塞内加尔 | 多哥",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "移动支付"
      ],
      "introduction": "HUB2 是一家区域型支付服务商，覆盖布基纳法索、贝宁、科特迪瓦、喀麦隆、加蓬、几内亚等，支持即时出款、信用卡/借记卡、移动支付。公开费率：Transaction-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Transaction-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hub2.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "几内亚",
        "加蓬",
        "即时出款",
        "喀麦隆",
        "塞内加尔",
        "多哥",
        "尼日尔",
        "布基纳法索",
        "科特迪瓦",
        "移动支付",
        "贝宁",
        "马里"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-i3-verticals",
      "name": "i3 Verticals",
      "aliases": [],
      "website_url": "https://i3verticals.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "i3 Verticals 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://i3verticals.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-squad-gtbank",
      "name": "Squad by GTBank",
      "aliases": [],
      "website_url": "https://squadco.com",
      "category": "regional",
      "region": "africa",
      "coverage": "尼日利亚",
      "services": [
        "POS收单"
      ],
      "introduction": "Squad by GTBank 是一家区域型支付服务商，覆盖尼日利亚，支持POS收单。公开费率：1.5%。结算：下一个工作日。",
      "fee_note": "公开费率：1.5%",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://squadco.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "regional",
        "startup-friendly",
        "尼日利亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-the-payments-factory",
      "name": "The Payments Factory",
      "aliases": [],
      "website_url": "https://thepaymentsfactory.com",
      "category": "baas, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "银行即服务(BaaS)",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "The Payments Factory 是一家银行即服务(BaaS)服务商，覆盖英国，支持银行即服务(BaaS)、信用卡/借记卡、银行转账、电子钱包。公开费率：定制(需询价) pricing — TPF is sales-led with no public rate card; quotes provided via B2B contact form.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing — TPF is sales-led with no public rate card; quotes provided via B2B contact form.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://thepaymentsfactory.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "电子钱包",
        "英国",
        "银行即服务(BaaS)",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-current-bank",
      "name": "Current",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款"
      ],
      "introduction": "Current 是一家区域型支付服务商，覆盖美国，支持即时出款。公开费率：Free basic; Premium $4.99/month。结算：3–5个工作日。",
      "fee_note": "公开费率：Free basic; Premium $4.99/month",
      "settlement_note": "3–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "north-america",
        "regional",
        "即时出款",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pintail",
      "name": "Pintail AG",
      "aliases": [],
      "website_url": "https://pintail.net",
      "category": "regional, traditional",
      "region": "africa, europe",
      "coverage": "比利时 | 西班牙 | 法国 | 意大利 | 列支敦士登 | 摩洛哥 | 荷兰",
      "services": [
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Pintail AG 是一家区域型支付服务商，覆盖比利时、西班牙、法国、意大利、列支敦士登、摩洛哥等，支持电子钱包、跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pintail.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "regional",
        "traditional",
        "出款",
        "列支敦士登",
        "意大利",
        "摩洛哥",
        "比利时",
        "法国",
        "电子钱包",
        "荷兰",
        "西班牙",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-saferpay",
      "name": "Saferpay (Worldline)",
      "aliases": [],
      "website_url": "https://saferpay.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 瑞士 | 德国 | 列支敦士登",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Saferpay (Worldline) 是一家传统收单/支付服务商，覆盖奥地利、瑞士、德国、列支敦士登，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://saferpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "recurring-payments",
        "traditional",
        "列支敦士登",
        "周期扣款",
        "奥地利",
        "德国",
        "瑞士",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zai",
      "name": "Zai (formerly Assembly)",
      "aliases": [],
      "website_url": "https://hellozai.com",
      "category": "regional",
      "region": "oceania",
      "coverage": "澳大利亚",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Zai (formerly Assembly) 是一家区域型支付服务商，覆盖澳大利亚，支持信用卡/借记卡。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hellozai.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-sandbox",
        "oceania",
        "regional",
        "信用卡",
        "借记卡",
        "澳大利亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-instamed",
      "name": "InstaMed",
      "aliases": [],
      "website_url": "https://instamed.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "InstaMed 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://instamed.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bancard-py",
      "name": "Bancard (Paraguay)",
      "aliases": [],
      "website_url": "https://bancard.com.py",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴拉圭",
      "services": [
        "信用卡",
        "借记卡",
        "POS收单"
      ],
      "introduction": "Bancard (Paraguay) 是一家区域型支付服务商，覆盖巴拉圭，支持信用卡/借记卡、POS收单。公开费率：Per-transaction network fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction network fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bancard.com.py",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "信用卡",
        "借记卡",
        "巴拉圭"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kopokopo",
      "name": "Kopokopo",
      "aliases": [],
      "website_url": "https://kopokopo.co.ke",
      "category": "regional",
      "region": "africa",
      "coverage": "肯尼亚",
      "services": [
        "即时出款",
        "移动支付",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Kopokopo 是一家区域型支付服务商，覆盖肯尼亚，支持即时出款、移动支付、现金/代金券、跨境汇款/出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kopokopo.co.ke",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "startup-friendly",
        "代金券",
        "出款",
        "即时出款",
        "现金",
        "移动支付",
        "肯尼亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-navan",
      "name": "Navan",
      "aliases": [],
      "website_url": "https://navan.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "德国 | 英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Navan 是一家传统收单/支付服务商，覆盖德国、英国、美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://navan.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "德国",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nets-singapore",
      "name": "NETS Singapore",
      "aliases": [],
      "website_url": "https://nets.com.sg",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "新加坡",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "二维码支付"
      ],
      "introduction": "NETS Singapore 是一家区域型支付服务商，覆盖新加坡，支持即时出款、信用卡/借记卡、二维码支付。公开费率：Low per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nets.com.sg",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "二维码支付",
        "信用卡",
        "借记卡",
        "即时出款",
        "新加坡"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-north-american-bancard",
      "name": "North American Bancard",
      "aliases": [],
      "website_url": "https://nabancard.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "North American Bancard 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nabancard.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-plastiq",
      "name": "Plastiq",
      "aliases": [],
      "website_url": "https://plastiq.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Plastiq 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡、银行转账。公开费率：2.85% credit card fee。结算：需向服务商确认（公开信息：1–7 business days）。",
      "fee_note": "公开费率：2.85% credit card fee",
      "settlement_note": "需向服务商确认（公开信息：1–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://plastiq.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-transfergo",
      "name": "TransferGo",
      "aliases": [],
      "website_url": "https://transfergo.com",
      "category": "traditional",
      "region": "asia, europe",
      "coverage": "全球",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "TransferGo 是一家传统收单/支付服务商，覆盖全球，支持即时出款、跨境汇款/出款。公开费率：From €0.99 每transfer。结算：1–2个工作日。",
      "fee_note": "公开费率：From €0.99 每transfer",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://transfergo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "instant-payout",
        "low-fees",
        "traditional",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-yaypay",
      "name": "YayPay (Quadient)",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "YayPay (Quadient) 是一家传统收单/支付服务商，覆盖英国、美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-maksekeskus",
      "name": "Maksekeskus",
      "aliases": [],
      "website_url": "https://makecommerce.net",
      "category": "traditional",
      "region": "europe",
      "coverage": "爱沙尼亚 | 芬兰 | 立陶宛 | 拉脱维亚",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Maksekeskus 是一家传统收单/支付服务商，覆盖爱沙尼亚、芬兰、立陶宛、拉脱维亚，支持信用卡/借记卡、银行转账。公开费率：2.4% 加 €0.20 for cards; bank transfers 0.5-1.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.4% 加 €0.20 for cards; bank transfers 0.5-1.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://makecommerce.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "拉脱维亚",
        "爱沙尼亚",
        "立陶宛",
        "芬兰",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paysera",
      "name": "Paysera",
      "aliases": [],
      "website_url": "https://paysera.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "爱沙尼亚 | 立陶宛 | 拉脱维亚",
      "services": [
        "银行转账",
        "POS收单"
      ],
      "introduction": "Paysera 是一家传统收单/支付服务商，覆盖爱沙尼亚、立陶宛、拉脱维亚，支持银行转账、POS收单。公开费率：视情况而定 by payment method; typically 0.5-1.8% for bank transfers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：视情况而定 by payment method; typically 0.5-1.8% for bank transfers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paysera.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "traditional",
        "拉脱维亚",
        "爱沙尼亚",
        "立陶宛",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-atone",
      "name": "Atone (Net Protections)",
      "aliases": [],
      "website_url": "https://atone.be",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "银行转账",
        "先买后付(BNPL)"
      ],
      "introduction": "Atone (Net Protections) 是一家区域型支付服务商，覆盖日本，支持银行转账、先买后付(BNPL)。公开费率：209 JPY for convenience store payments, 99 JPY for bank transfers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：209 JPY for convenience store payments, 99 JPY for bank transfers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://atone.be",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "先买后付(BNPL)",
        "日本",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-digidoe",
      "name": "DigiDoe",
      "aliases": [],
      "website_url": "https://digidoe.com",
      "category": "baas, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "银行即服务(BaaS)",
        "跨境汇款",
        "出款"
      ],
      "introduction": "DigiDoe 是一家银行即服务(BaaS)服务商，覆盖英国，支持银行即服务(BaaS)、跨境汇款/出款。公开费率：定制(需询价) / quote-based; no public pricing disclosed. Targeted at family offices, EMIs, funds and complex SMEs.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) / quote-based; no public pricing disclosed. Targeted at family offices, EMIs, funds and complex SMEs.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://digidoe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "traditional",
        "出款",
        "英国",
        "跨境汇款",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mindbody-payments",
      "name": "Mindbody Payments",
      "aliases": [],
      "website_url": "https://mindbodyonline.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "澳大利亚 | 英国 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Mindbody Payments 是一家传统收单/支付服务商，覆盖澳大利亚、英国、美国，支持订阅/周期扣款。公开费率：2.75%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.75%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mindbodyonline.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "澳大利亚",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-banqup",
      "name": "Banqup",
      "aliases": [],
      "website_url": "https://www.banqup.com/",
      "category": "B2B payments, invoicing, business account",
      "region": "Europe",
      "coverage": "BE, CZ, DE, DK, EE, ES, FR, GR, HU, IT, LT, LU, LV, NL, PL, PT, RO, SE, SK",
      "services": [
        "business account",
        "IBAN",
        "supplier payments",
        "batch payments",
        "payment links",
        "QR payments",
        "cards",
        "FX payments",
        "reconciliation"
      ],
      "introduction": "Banqup 面向欧洲中小企业提供电子发票、企业账户、供应商付款、收款按钮、二维码收款、银行卡和自动对账能力，适合作为 B2B 收付款与财务协同工具。",
      "fee_note": "官网公开 Premium 每月 EUR 5、Optimum 每月 EUR 13 起，价格随文件量和功能包变化；支付、银行卡和外汇等费用需参考完整价目表或联系团队确认。",
      "settlement_note": "帮助中心说明 Banqup 可通过 Banqup Business Account 或已连接银行账户处理单笔和批量付款；外币付款按实时汇率换汇后发送，具体到账取决于付款轨道和银行。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://support.banqup.com/en/articles/377606-getting-help-from-banqup-support",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "B2B",
        "Europe",
        "active / raw import",
        "baas",
        "business account",
        "enterprise",
        "europe",
        "instant-sandbox",
        "invoicing",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-free-money-senegal",
      "name": "Free Money Senegal",
      "aliases": [],
      "website_url": "https://free.sn",
      "category": "regional",
      "region": "africa",
      "coverage": "塞内加尔",
      "services": [
        "信用卡",
        "借记卡",
        "移动支付",
        "现金",
        "代金券"
      ],
      "introduction": "Free Money Senegal 是一家区域型支付服务商，覆盖塞内加尔，支持信用卡/借记卡、移动支付、现金/代金券。公开费率：1% send, 1% cash-out。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1% send, 1% cash-out",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://free.sn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "low-fees",
        "regional",
        "代金券",
        "信用卡",
        "借记卡",
        "塞内加尔",
        "现金",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-highriskpay",
      "name": "HighRiskPay",
      "aliases": [],
      "website_url": "https://highriskpay.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "HighRiskPay 是一家高风险行业支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：1.79%–2.95% 加 $0.25 单笔 加 $9.95 monthly (视情况而定 by industry and credit profile)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.79%–2.95% 加 $0.25 单笔 加 $9.95 monthly (视情况而定 by industry and credit profile)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://highriskpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sendwave",
      "name": "Sendwave",
      "aliases": [],
      "website_url": "https://sendwave.com",
      "category": "regional",
      "region": "africa, europe, north-america",
      "coverage": "全球",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Sendwave 是一家区域型支付服务商，覆盖全球，支持即时出款、跨境汇款/出款。公开费率：Zero fees, FX margin。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Zero fees, FX margin",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sendwave.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "instant-payout",
        "low-fees",
        "north-america",
        "regional",
        "全球",
        "出款",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-starling-bank",
      "name": "Starling Bank",
      "aliases": [],
      "website_url": "https://starlingbank.com",
      "category": "regional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "Starling Bank 是一家区域型支付服务商，覆盖英国，支持订阅/周期扣款、即时出款。公开费率：Free personal accounts。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free personal accounts",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://starlingbank.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "recurring-payments",
        "regional",
        "即时出款",
        "周期扣款",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-suica",
      "name": "Suica",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Suica 是一家区域型支付服务商，覆盖日本，支持信用卡/借记卡。公开费率：No fees for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：No fees for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "日本"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-arab-financial-services",
      "name": "Arab Financial Services",
      "aliases": [],
      "website_url": "https://afs.com.bh",
      "category": "regional, traditional",
      "region": "africa, middle-east",
      "coverage": "阿联酋 | 巴林 | 埃及 | 阿曼",
      "services": [
        "银行转账",
        "电子钱包",
        "POS收单"
      ],
      "introduction": "Arab Financial Services 是一家区域型支付服务商，覆盖阿联酋、巴林、埃及、阿曼，支持银行转账、电子钱包、POS收单。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://afs.com.bh",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "middle-east",
        "regional",
        "traditional",
        "埃及",
        "巴林",
        "电子钱包",
        "银行转账",
        "阿曼",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-chownow",
      "name": "ChowNow",
      "aliases": [],
      "website_url": "https://chownow.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "加拿大 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "ChowNow 是一家传统收单/支付服务商，覆盖加拿大、美国，支持信用卡/借记卡。公开费率：2.95% 加 $0.29 单笔; $119-$499 setup fee。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.95% 加 $0.29 单笔; $119-$499 setup fee",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://chownow.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-finverse",
      "name": "Finverse",
      "aliases": [],
      "website_url": "https://finverse.com",
      "category": "traditional",
      "region": "asia, southeast-asia",
      "coverage": "中国香港 | 印度尼西亚 | 马来西亚 | 菲律宾 | 新加坡 | 越南",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账"
      ],
      "introduction": "Finverse 是一家传统收单/支付服务商，覆盖中国香港、印度尼西亚、马来西亚、菲律宾、新加坡、越南，支持订阅/周期扣款、银行转账。公开费率：0.5% 单笔 (Payments)。结算：1–3个工作日。",
      "fee_note": "公开费率：0.5% 单笔 (Payments)",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://finverse.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "recurring-payments",
        "southeast-asia",
        "startup-friendly",
        "traditional",
        "中国香港",
        "印度尼西亚",
        "周期扣款",
        "新加坡",
        "菲律宾",
        "订阅",
        "越南",
        "银行转账",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hiveage",
      "name": "Hiveage",
      "aliases": [],
      "website_url": "https://hiveage.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "加拿大 | 英国 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Hiveage 是一家传统收单/支付服务商，覆盖加拿大、英国、美国，支持订阅/周期扣款。公开费率：From free; Pro $16/month。结算：下一个工作日。",
      "fee_note": "公开费率：From free; Pro $16/month",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hiveage.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "加拿大",
        "周期扣款",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ipay-ukraine",
      "name": "IPay.ua",
      "aliases": [],
      "website_url": "https://ipay.ua",
      "category": "regional",
      "region": "europe",
      "coverage": "乌克兰",
      "services": [
        "POS收单"
      ],
      "introduction": "IPay.ua 是一家区域型支付服务商，覆盖乌克兰，支持POS收单。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ipay.ua",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "乌克兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-orb-billing",
      "name": "Orb",
      "aliases": [],
      "website_url": "https://withorb.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Orb 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://withorb.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payzen-health",
      "name": "PayZen",
      "aliases": [],
      "website_url": "https://payzen.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayZen 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Provider-funded。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Provider-funded",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payzen.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sap-concur",
      "name": "SAP Concur",
      "aliases": [],
      "website_url": "https://concur.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "德国 | 法国 | 英国 | 日本 | 美国",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "SAP Concur 是一家传统收单/支付服务商，覆盖德国、法国、英国、日本、美国，支持账单/发票支付。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://concur.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "发票支付",
        "德国",
        "日本",
        "法国",
        "美国",
        "英国",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bog-pay",
      "name": "BOG Pay",
      "aliases": [],
      "website_url": "https://bankofgeorgia.ge",
      "category": "regional",
      "region": "europe",
      "coverage": "格鲁吉亚",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "BOG Pay 是一家区域型支付服务商，覆盖格鲁吉亚，支持信用卡/借记卡。公开费率：2.5% 单笔。结算：1–2个工作日。",
      "fee_note": "公开费率：2.5% 单笔",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bankofgeorgia.ge",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "格鲁吉亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fast-checkout",
      "name": "Fast (Affirm)",
      "aliases": [],
      "website_url": "https://docs.affirm.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款"
      ],
      "introduction": "Fast (Affirm) 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、即时出款。公开费率：定制(需询价) pricing available through Affirm。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing available through Affirm",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://docs.affirm.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "north-america",
        "recurring-payments",
        "traditional",
        "即时出款",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paybotic",
      "name": "Paybotic",
      "aliases": [],
      "website_url": "https://paybotic.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "现金",
        "代金券"
      ],
      "introduction": "Paybotic 是一家高风险行业支付服务商，覆盖美国，支持信用卡/借记卡、银行转账、现金/代金券。公开费率：Setup fees and monthly retainers; 2-3% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Setup fees and monthly retainers; 2-3% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paybotic.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "代金券",
        "信用卡",
        "借记卡",
        "现金",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payoo-vietnam",
      "name": "Payoo",
      "aliases": [],
      "website_url": "https://payoo.vn",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "越南",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Payoo 是一家区域型支付服务商，覆盖越南，支持跨境汇款/出款。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payoo.vn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "regional",
        "southeast-asia",
        "出款",
        "越南",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-telnyx",
      "name": "Telnyx",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "爱尔兰 | 美国",
      "services": [
        "加密货币"
      ],
      "introduction": "Telnyx 是一家传统收单/支付服务商，覆盖爱尔兰、美国，支持加密货币。公开费率：Usage-based pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Usage-based pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "enterprise",
        "europe",
        "instant-sandbox",
        "north-america",
        "traditional",
        "加密货币",
        "爱尔兰",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-united-overseas-bank",
      "name": "United Overseas Bank (UOB)",
      "aliases": [],
      "website_url": "https://uobgroup.com",
      "category": "regional, traditional",
      "region": "asia, southeast-asia",
      "coverage": "马来西亚 | 新加坡",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "POS收单"
      ],
      "introduction": "United Overseas Bank (UOB) 是一家区域型支付服务商，覆盖马来西亚、新加坡，支持信用卡/借记卡、电子钱包、POS收单。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://uobgroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "regional",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "新加坡",
        "电子钱包",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-universal-ifx",
      "name": "Universal IFX (GoboTransfer)",
      "aliases": [],
      "website_url": "https://gobotransfer.com",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, north-america, southeast-asia",
      "coverage": "中国 | 英国 | 中国香港 | 韩国 | 新加坡 | 美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "GoboTransfer (高博融汇), operated by the Universal IFX group, is a cross-border payments platform that helps Chinese e-commerce sellers and B2B exporters collect funds from marketplaces such as Amazon, Wish and eBay, make global supplier payments, and run international remittance — with 100+ countries of coverage and a flat 0.3% or CNY 9.9 per-transaction collection fee.",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gobotransfer.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国香港",
        "出款",
        "新加坡",
        "美国",
        "英国",
        "跨境汇款",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-promptpay-thailand",
      "name": "PromptPay",
      "aliases": [],
      "website_url": "https://promptpay.io",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "泰国",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "PromptPay 是一家区域型支付服务商，覆盖泰国，支持即时出款、二维码支付。公开费率：Free for most transfers。结算：即时。",
      "fee_note": "公开费率：Free for most transfers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://promptpay.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "二维码支付",
        "即时出款",
        "泰国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mojaloop",
      "name": "Mojaloop",
      "aliases": [],
      "website_url": "https://mojaloop.io",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Mojaloop 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Open-source; deployment costs vary。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Open-source; deployment costs vary",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mojaloop.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payanywhere",
      "name": "Payanywhere",
      "aliases": [],
      "website_url": "https://payanywhere.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Payanywhere 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：2.69%。结算：下一个工作日。",
      "fee_note": "公开费率：2.69%",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payanywhere.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-shell",
      "name": "Shell Card",
      "aliases": [],
      "website_url": "https://shell.co.uk",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 瑞士 | 捷克 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 爱尔兰 | 意大利 | 卢森堡 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 瑞典",
      "services": [
        "账单",
        "发票支付",
        "捐赠",
        "募捐"
      ],
      "introduction": "Shell Card 是一家区域型支付服务商，覆盖奥地利、比利时、瑞士、捷克、德国、西班牙等，支持账单/发票支付、捐赠/募捐。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://shell.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "募捐",
        "卢森堡",
        "发票支付",
        "奥地利",
        "德国",
        "意大利",
        "挪威",
        "捐赠",
        "捷克",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "瑞典",
        "瑞士",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-spoton",
      "name": "SpotOn",
      "aliases": [],
      "website_url": "https://spoton.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "SpotOn 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：1.99% 加 $0.25 in-person。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.99% 加 $0.25 in-person",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://spoton.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tether-usdt",
      "name": "Tether",
      "aliases": [],
      "website_url": "https://tether.to",
      "category": "crypto",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Tether 是一家加密货币支付服务商，覆盖全球，支持加密货币、跨境汇款/出款。公开费率：Variable by network。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Variable by network",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tether.to",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "north-america",
        "全球",
        "出款",
        "加密货币",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fire",
      "name": "Fire",
      "aliases": [],
      "website_url": "https://fire.com",
      "category": "baas, traditional",
      "region": "europe",
      "coverage": "英国 | 爱尔兰",
      "services": [
        "银行即服务(BaaS)",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Fire 是一家银行即服务(BaaS)服务商，覆盖英国、爱尔兰，支持银行即服务(BaaS)、信用卡/借记卡、银行转账。公开费率：定制(需询价) pricing; sales-led — no public pricing page.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing; sales-led — no public pricing page.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fire.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "爱尔兰",
        "英国",
        "银行即服务(BaaS)",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-instabill",
      "name": "Instabill",
      "aliases": [],
      "website_url": "https://instabill.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "墨西哥 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Instabill 是一家高风险行业支付服务商，覆盖墨西哥、美国，支持信用卡/借记卡。公开费率：2.5-3.5% for high-risk categories。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5-3.5% for high-risk categories",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://instabill.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "墨西哥",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mangopay",
      "name": "Mangopay",
      "aliases": [],
      "website_url": "https://mangopay.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "电子钱包",
        "担保",
        "托管交易"
      ],
      "introduction": "Mangopay 是一家传统收单/支付服务商，覆盖全球，支持电子钱包、担保/托管交易。公开费率：1.45% 加 €0.45 for card payments; marketplace fees vary。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.45% 加 €0.45 for card payments; marketplace fees vary",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mangopay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "全球",
        "托管交易",
        "担保",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-quickbooks-payments",
      "name": "QuickBooks Payments",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "澳大利亚 | 英国 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "QuickBooks Payments 是一家传统收单/支付服务商，覆盖澳大利亚、英国、美国，支持订阅/周期扣款、即时出款、信用卡/借记卡、银行转账。公开费率：2.9% 加 $0.25 card; 1% ACH。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.9% 加 $0.25 card; 1% ACH",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "即时出款",
        "周期扣款",
        "澳大利亚",
        "美国",
        "英国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-selcom",
      "name": "Selcom",
      "aliases": [],
      "website_url": "https://selcom.net",
      "category": "regional",
      "region": "africa",
      "coverage": "坦桑尼亚",
      "services": [
        "即时出款",
        "移动支付",
        "POS收单"
      ],
      "introduction": "Selcom 是一家区域型支付服务商，覆盖坦桑尼亚，支持即时出款、移动支付、POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://selcom.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "即时出款",
        "坦桑尼亚",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zego-paylease",
      "name": "Zego (PayLease)",
      "aliases": [],
      "website_url": "https://gozego.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账",
        "现金",
        "代金券"
      ],
      "introduction": "Zego (PayLease) 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、银行转账、现金/代金券。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gozego.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "代金券",
        "周期扣款",
        "现金",
        "美国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zoho-payments",
      "name": "Zoho Payments",
      "aliases": [],
      "website_url": "https://zoho.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "澳大利亚 | 英国 | 印度 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "账单",
        "发票支付"
      ],
      "introduction": "Zoho Payments 是一家传统收单/支付服务商，覆盖澳大利亚、英国、印度、美国，支持订阅/周期扣款、账单/发票支付。公开费率：2.9% 加 $0.30。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：2.9% 加 $0.30",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zoho.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "印度",
        "发票支付",
        "周期扣款",
        "澳大利亚",
        "美国",
        "英国",
        "订阅",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lemfi",
      "name": "LemFi",
      "aliases": [],
      "website_url": "https://lemfi.com",
      "category": "regional",
      "region": "africa, europe, north-america",
      "coverage": "英国 | 加纳 | 肯尼亚 | 尼日利亚 | 美国",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "LemFi 是一家区域型支付服务商，覆盖英国、加纳、肯尼亚、尼日利亚、美国，支持即时出款、跨境汇款/出款。公开费率：Low FX margins, no transfer fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low FX margins, no transfer fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lemfi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "instant-payout",
        "low-fees",
        "north-america",
        "regional",
        "出款",
        "加纳",
        "即时出款",
        "尼日利亚",
        "美国",
        "肯尼亚",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jane-app-payments",
      "name": "Jane App Payments",
      "aliases": [],
      "website_url": "https://jane.app",
      "category": "traditional",
      "region": "north-america",
      "coverage": "澳大利亚 | 英国 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Jane App Payments 是一家传统收单/支付服务商，覆盖澳大利亚、英国、美国，支持订阅/周期扣款。公开费率：2.75-2.95%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.75-2.95%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://jane.app",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "澳大利亚",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mercado-credito",
      "name": "Mercado Crédito",
      "aliases": [],
      "website_url": "https://mercadolibre.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "阿根廷 | 巴西 | 墨西哥",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Mercado Crédito 是一家区域型支付服务商，覆盖阿根廷、巴西、墨西哥，支持先买后付(BNPL)。公开费率：Interest-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interest-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mercadolibre.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "先买后付(BNPL)",
        "墨西哥",
        "巴西",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mybank",
      "name": "MyBank",
      "aliases": [],
      "website_url": "https://mybank.eu",
      "category": "regional",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 法国 | 意大利",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "MyBank 是一家区域型支付服务商，覆盖德国、西班牙、法国、意大利，支持即时出款、银行转账。公开费率：定制(需询价) pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mybank.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "即时出款",
        "德国",
        "意大利",
        "法国",
        "西班牙",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-open-financial",
      "name": "Open Financial",
      "aliases": [],
      "website_url": "https://open.money",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "即时出款"
      ],
      "introduction": "Open Financial 是一家区域型支付服务商，覆盖印度，支持即时出款。公开费率：Free banking; payment fees vary。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free banking; payment fees vary",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://open.money",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "startup-friendly",
        "印度",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payit-gov",
      "name": "PayIt",
      "aliases": [],
      "website_url": "https://payitgov.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "PayIt 是一家传统收单/支付服务商，覆盖美国，支持账单/发票支付。公开费率：Convenience fee model。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Convenience fee model",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payitgov.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "发票支付",
        "美国",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymaya-business",
      "name": "PayMaya Business",
      "aliases": [],
      "website_url": "https://business.maya.ph",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayMaya Business 是一家区域型支付服务商，覆盖菲律宾，支持信用卡/借记卡。公开费率：1.5-2.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.5-2.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://business.maya.ph",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "菲律宾"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-real-money-transfer",
      "name": "Real Money Transfer",
      "aliases": [],
      "website_url": "https://realmoneytransfer.com",
      "category": "regional, traditional",
      "region": "europe, latin-america",
      "coverage": "巴西 | 英国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Real Money Transfer 是一家区域型支付服务商，覆盖巴西、英国，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: flat-rate。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: flat-rate",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://realmoneytransfer.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "latin-america",
        "regional",
        "traditional",
        "出款",
        "巴西",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tikkie",
      "name": "Tikkie",
      "aliases": [],
      "website_url": "https://tikkie.me",
      "category": "regional",
      "region": "europe",
      "coverage": "荷兰",
      "services": [
        "即时出款"
      ],
      "introduction": "Tikkie 是一家区域型支付服务商，覆盖荷兰，支持即时出款。公开费率：Free for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tikkie.me",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paybyphone",
      "name": "PayByPhone",
      "aliases": [],
      "website_url": "https://paybyphone.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 法国 | 英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayByPhone 是一家传统收单/支付服务商，覆盖澳大利亚、法国、英国、美国，支持信用卡/借记卡。公开费率：Small service fee 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Small service fee 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paybyphone.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "法国",
        "澳大利亚",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-svea-payments",
      "name": "Svea Payments",
      "aliases": [],
      "website_url": "https://sveapayments.fi",
      "category": "regional",
      "region": "europe",
      "coverage": "芬兰 | 瑞典",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Svea Payments 是一家区域型支付服务商，覆盖芬兰、瑞典，支持订阅/周期扣款。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sveapayments.fi",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "recurring-payments",
        "regional",
        "周期扣款",
        "瑞典",
        "芬兰",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-laybuy",
      "name": "Laybuy",
      "aliases": [],
      "website_url": "https://laybuy.com",
      "category": "regional",
      "region": "oceania",
      "coverage": "澳大利亚 | 英国 | 新西兰",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Laybuy 是一家区域型支付服务商，覆盖澳大利亚、英国、新西兰，支持先买后付(BNPL)。公开费率：Merchant discount rate。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant discount rate",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://laybuy.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "oceania",
        "regional",
        "startup-friendly",
        "先买后付(BNPL)",
        "新西兰",
        "澳大利亚",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rakuten-pay",
      "name": "Rakuten Pay",
      "aliases": [],
      "website_url": "https://pay.rakuten.co.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "移动支付",
        "二维码支付"
      ],
      "introduction": "Rakuten Pay 是一家区域型支付服务商，覆盖日本，支持移动支付、二维码支付。公开费率：3.24% for merchants。结算：下一个工作日。",
      "fee_note": "公开费率：3.24% for merchants",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pay.rakuten.co.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "二维码支付",
        "日本",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lexcharge",
      "name": "LexCharge",
      "aliases": [],
      "website_url": "https://lexcharge.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "LexCharge 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：2.85% 加 $0.30。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.85% 加 $0.30",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lexcharge.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moov-money",
      "name": "Moov Money",
      "aliases": [],
      "website_url": "https://moov-africa.com",
      "category": "regional",
      "region": "africa",
      "coverage": "布基纳法索 | 贝宁 | 中非 | 科特迪瓦 | 加蓬 | 科摩罗 | 尼日尔 | 乍得 | 多哥",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Moov Money 是一家区域型支付服务商，覆盖布基纳法索、贝宁、中非、科特迪瓦、加蓬、科摩罗等，支持即时出款、移动支付。公开费率：Tiered per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Tiered per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://moov-africa.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "low-fees",
        "regional",
        "中非",
        "乍得",
        "加蓬",
        "即时出款",
        "多哥",
        "尼日尔",
        "布基纳法索",
        "科摩罗",
        "科特迪瓦",
        "移动支付",
        "贝宁"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-spendesk",
      "name": "Spendesk",
      "aliases": [],
      "website_url": "https://spendesk.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 法国 | 英国",
      "services": [
        "信用卡",
        "借记卡",
        "账单",
        "发票支付"
      ],
      "introduction": "Spendesk 是一家传统收单/支付服务商，覆盖德国、西班牙、法国、英国，支持信用卡/借记卡、账单/发票支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://spendesk.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "发票支付",
        "德国",
        "法国",
        "英国",
        "西班牙",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-twint",
      "name": "TWINT",
      "aliases": [],
      "website_url": "https://twint.ch",
      "category": "regional",
      "region": "europe",
      "coverage": "瑞士",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "TWINT 是一家区域型支付服务商，覆盖瑞士，支持即时出款、移动支付、二维码支付。公开费率：Merchant fees vary by bank。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees vary by bank",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://twint.ch",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "即时出款",
        "瑞士",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wave-financial",
      "name": "Wave Financial",
      "aliases": [],
      "website_url": "https://waveapps.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Wave Financial 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：2.9% 加 $0.60 card; 1% ACH。结算：1–2个工作日。",
      "fee_note": "公开费率：2.9% 加 $0.60 card; 1% ACH",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://waveapps.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-koala-money",
      "name": "Koala Money",
      "aliases": [],
      "website_url": "https://koala-money.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "马耳他",
      "services": [
        "信用卡",
        "借记卡",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Koala Money 是一家区域型支付服务商，覆盖马耳他，支持信用卡/借记卡、跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://koala-money.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "出款",
        "跨境汇款",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-korona-pos",
      "name": "KORONA POS",
      "aliases": [],
      "website_url": "https://koronapos.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "德国 | 美国",
      "services": [
        "POS收单"
      ],
      "introduction": "KORONA POS 是一家传统收单/支付服务商，覆盖德国、美国，支持POS收单。公开费率：From $59/month per terminal。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $59/month per terminal",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://koronapos.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "north-america",
        "startup-friendly",
        "traditional",
        "德国",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-m2p-fintech",
      "name": "M2P Fintech",
      "aliases": [],
      "website_url": "https://m2pfintech.com",
      "category": "baas",
      "region": "asia, southeast-asia",
      "coverage": "阿联酋 | 澳大利亚 | 印度尼西亚 | 印度 | 新加坡",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "M2P Fintech 是一家银行即服务(BaaS)服务商，覆盖阿联酋、澳大利亚、印度尼西亚、印度、新加坡，支持银行即服务(BaaS)。公开费率：定制(需询价) API pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) API pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://m2pfintech.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "baas",
        "enterprise",
        "southeast-asia",
        "startup-friendly",
        "印度",
        "印度尼西亚",
        "新加坡",
        "澳大利亚",
        "银行即服务(BaaS)",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moneynet",
      "name": "Moneynet",
      "aliases": [],
      "website_url": "https://moneynet.it",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "意大利",
      "services": [
        "信用卡",
        "借记卡",
        "POS收单"
      ],
      "introduction": "Moneynet 是一家区域型支付服务商，覆盖意大利，支持信用卡/借记卡、POS收单。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://moneynet.it",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "意大利"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paynow-poland",
      "name": "PayNow Poland",
      "aliases": [],
      "website_url": "https://paynow.pl",
      "category": "regional",
      "region": "europe",
      "coverage": "波兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayNow Poland 是一家区域型支付服务商，覆盖波兰，支持信用卡/借记卡。公开费率：单笔从0.95%起。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从0.95%起",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paynow.pl",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "波兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zapper",
      "name": "Zapper",
      "aliases": [],
      "website_url": "https://zapper.com",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "二维码支付"
      ],
      "introduction": "Zapper 是一家区域型支付服务商，覆盖南非，支持二维码支付。公开费率：单笔从1.5%起 单笔。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：单笔从1.5%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zapper.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "low-fees",
        "regional",
        "二维码支付",
        "南非"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cerro-catedral",
      "name": "Cerro Catedral",
      "aliases": [],
      "website_url": "https://www.cc-edp.com/",
      "category": "持牌支付机构/跨境汇款",
      "region": "Europe",
      "coverage": "Spain, Portugal, Germany, France",
      "services": [
        "money transfer",
        "remittance",
        "B2B money transfer",
        "B2C remittance",
        "payment agent solutions"
      ],
      "introduction": "Cerro Catedral Entidad de Pago S.A.U. 是西班牙持牌支付机构，受 Banco de España 监管，监管编号 6844，主要提供汇款、B2B/B2C 资金发送和代理合作相关服务。",
      "fee_note": "官网未公开标准费率，具体费用需要按汇款目的地、渠道和合作模式确认。",
      "settlement_note": "官网未公开统一结算周期，汇款和代理合作时效需按具体线路确认。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.cc-edp.com/",
        "email": "Info@cc-edp.com",
        "phone": "+34 620 806 529"
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "France",
        "Germany",
        "Portugal",
        "Spain",
        "active / raw import",
        "europe",
        "latin-america",
        "money transfer",
        "regional",
        "regulated payment institution",
        "remittance",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": "通常需要符合欧洲/西班牙支付机构开户和反洗钱审核要求",
        "access_threshold": "中等，需要核实身份、用途和汇款/代理合作资料",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paycargo",
      "name": "PayCargo",
      "aliases": [],
      "website_url": "https://paycargo.com",
      "category": "traditional",
      "region": "europe, latin-america, north-america",
      "coverage": "巴西 | 荷兰 | 美国",
      "services": [
        "即时出款"
      ],
      "introduction": "PayCargo 是一家传统收单/支付服务商，覆盖巴西、荷兰、美国，支持即时出款。公开费率：Transaction-based。结算：即时。",
      "fee_note": "公开费率：Transaction-based",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paycargo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "即时出款",
        "巴西",
        "美国",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paydo",
      "name": "PayDo",
      "aliases": [],
      "website_url": "https://paydo.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "银行转账"
      ],
      "introduction": "PayDo 是一家传统收单/支付服务商，覆盖全球，支持银行转账。公开费率：Per-transaction 加 account。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction 加 account",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paydo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "全球",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-billing-platform",
      "name": "BillingPlatform",
      "aliases": [],
      "website_url": "https://billingplatform.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "BillingPlatform 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) enterprise pricing。结算：视情况而定。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "视情况而定",
      "contact": {
        "public_status": "public",
        "contact_url": "https://billingplatform.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pagoefectivo",
      "name": "PagoEfectivo",
      "aliases": [],
      "website_url": "https://pagoefectivo.pe",
      "category": "regional",
      "region": "latin-america",
      "coverage": "秘鲁",
      "services": [
        "即时出款",
        "银行转账",
        "现金",
        "代金券"
      ],
      "introduction": "PagoEfectivo 是一家区域型支付服务商，覆盖秘鲁，支持即时出款、银行转账、现金/代金券。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pagoefectivo.pe",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "regional",
        "代金券",
        "即时出款",
        "现金",
        "秘鲁",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-qris",
      "name": "QRIS",
      "aliases": [],
      "website_url": "https://bi.go.id",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "印度尼西亚",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "QRIS 是一家区域型支付服务商，覆盖印度尼西亚，支持即时出款、电子钱包、二维码支付。公开费率：MDR 0.7% for merchants。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：MDR 0.7% for merchants",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bi.go.id",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "二维码支付",
        "印度尼西亚",
        "即时出款",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-halyk-qr",
      "name": "Halyk Bank QR",
      "aliases": [],
      "website_url": "https://halykbank.kz",
      "category": "regional",
      "region": "asia",
      "coverage": "哈萨克斯坦",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "Halyk Bank QR 是一家区域型支付服务商，覆盖哈萨克斯坦，支持即时出款、移动支付、二维码支付。公开费率：0.5% for Halyk Bank cards, 2.8% for other banks。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.5% for Halyk Bank cards, 2.8% for other banks",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://halykbank.kz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "二维码支付",
        "即时出款",
        "哈萨克斯坦",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-knet",
      "name": "KNET",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "middle-east",
      "coverage": "科威特",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "KNET 是一家区域型支付服务商，覆盖科威特，支持信用卡/借记卡。公开费率：From KWD 0.100 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From KWD 0.100 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "middle-east",
        "regional",
        "信用卡",
        "借记卡",
        "科威特"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nuvemshop-pay",
      "name": "Nuvemshop Pay",
      "aliases": [],
      "website_url": "https://nuvemshop.com.br",
      "category": "regional",
      "region": "latin-america",
      "coverage": "阿根廷 | 巴西 | 墨西哥",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Nuvemshop Pay 是一家区域型支付服务商，覆盖阿根廷、巴西、墨西哥，支持信用卡/借记卡。公开费率：2-4%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2-4%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nuvemshop.com.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "墨西哥",
        "巴西",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-yape",
      "name": "Yape",
      "aliases": [],
      "website_url": "https://yape.com.pe",
      "category": "regional",
      "region": "latin-america",
      "coverage": "秘鲁",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "Yape 是一家区域型支付服务商，覆盖秘鲁，支持即时出款、电子钱包、二维码支付。公开费率：Free for P2P, merchant fees 1.5%。结算：即时。",
      "fee_note": "公开费率：Free for P2P, merchant fees 1.5%",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://yape.com.pe",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "low-fees",
        "regional",
        "二维码支付",
        "即时出款",
        "电子钱包",
        "秘鲁"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mews-payments",
      "name": "Mews Payments",
      "aliases": [],
      "website_url": "https://mews.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "捷克 | 英国 | 荷兰 | 美国",
      "services": [
        "订阅",
        "周期扣款",
        "POS收单"
      ],
      "introduction": "Mews Payments 是一家传统收单/支付服务商，覆盖捷克、英国、荷兰、美国，支持订阅/周期扣款、POS收单。公开费率：定制(需询价) hospitality pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) hospitality pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mews.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "捷克",
        "美国",
        "英国",
        "荷兰",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mswipe",
      "name": "Mswipe",
      "aliases": [],
      "website_url": "https://mswipe.com",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "二维码支付",
        "POS收单"
      ],
      "introduction": "Mswipe 是一家区域型支付服务商，覆盖印度，支持二维码支付、POS收单。公开费率：定制(需询价) pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mswipe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "二维码支付",
        "印度"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payarc",
      "name": "PayArc",
      "aliases": [],
      "website_url": "https://payarc.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayArc 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Interchange-plus 单笔从0.15%起。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange-plus 单笔从0.15%起",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payarc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payway-kh",
      "name": "Payway Cambodia",
      "aliases": [],
      "website_url": "https://payway.com.kh",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "柬埔寨",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payway Cambodia 是一家区域型支付服务商，覆盖柬埔寨，支持信用卡/借记卡。公开费率：2.5%–3% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5%–3% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payway.com.kh",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "柬埔寨"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sr-pago",
      "name": "Sr. Pago",
      "aliases": [],
      "website_url": "https://srpago.com",
      "category": "traditional",
      "region": "latin-america",
      "coverage": "墨西哥",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sr. Pago 是一家传统收单/支付服务商，覆盖墨西哥，支持信用卡/借记卡。公开费率：2.8-3.5% for payment processing; financing fees vary。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.8-3.5% for payment processing; financing fees vary",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://srpago.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "traditional",
        "信用卡",
        "借记卡",
        "墨西哥"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-autofi",
      "name": "AutoFi",
      "aliases": [],
      "website_url": "https://autofi.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "AutoFi 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://autofi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cofidis",
      "name": "Cofidis",
      "aliases": [],
      "website_url": "https://cofidis-group.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "比利时 | 捷克 | 西班牙 | 法国 | 匈牙利 | 意大利 | 波兰 | 葡萄牙 | 斯洛伐克",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Cofidis 是一家区域型支付服务商，覆盖比利时、捷克、西班牙、法国、匈牙利、意大利等，支持先买后付(BNPL)。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cofidis-group.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "先买后付(BNPL)",
        "匈牙利",
        "意大利",
        "捷克",
        "斯洛伐克",
        "比利时",
        "法国",
        "波兰",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-d-barai",
      "name": "d Barai",
      "aliases": [],
      "website_url": "https://service.smt.docomo.ne.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "信用卡",
        "借记卡",
        "二维码支付",
        "现金",
        "代金券"
      ],
      "introduction": "d Barai (d払い) is a Japanese smartphone payment service operated by NTT DOCOMO, launched in April 2018. It supports QR code and barcode payments at physical stores and online checkout, with funding via carrier billing, credit card, or prepaid d Barai balance, and integrates with the d POINT loyalty program.",
      "fee_note": "公开费率：单笔从2.6%起 for merchants",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://service.smt.docomo.ne.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "二维码支付",
        "代金券",
        "信用卡",
        "借记卡",
        "日本",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-even-pay",
      "name": "Even (Walmart)",
      "aliases": [],
      "website_url": "https://even.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Even (Walmart) 是一家传统收单/支付服务商，覆盖美国，支持即时出款、信用卡/借记卡。公开费率：Employer-sponsored。结算：即时。",
      "fee_note": "公开费率：Employer-sponsored",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://even.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "即时出款",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ingo-money",
      "name": "Ingo Money",
      "aliases": [],
      "website_url": "https://ingomoney.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "Ingo Money 是一家传统收单/支付服务商，覆盖美国，支持即时出款、信用卡/借记卡、银行转账、电子钱包。公开费率：Per-transaction pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ingomoney.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "即时出款",
        "电子钱包",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ipay-africa",
      "name": "iPay Africa",
      "aliases": [],
      "website_url": "https://ipayafrica.com",
      "category": "regional",
      "region": "africa",
      "coverage": "肯尼亚 | 坦桑尼亚 | 乌干达",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "移动支付"
      ],
      "introduction": "iPay Africa 是一家区域型支付服务商，覆盖肯尼亚、坦桑尼亚、乌干达，支持即时出款、信用卡/借记卡、银行转账、移动支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ipayafrica.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "乌干达",
        "信用卡",
        "借记卡",
        "即时出款",
        "坦桑尼亚",
        "移动支付",
        "肯尼亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-procore-pay",
      "name": "Procore Pay",
      "aliases": [],
      "website_url": "https://procore.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "Procore Pay 是一家传统收单/支付服务商，覆盖美国，支持账单/发票支付。公开费率：定制(需询价) pricing。结算：2–5个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "2–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://procore.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "发票支付",
        "美国",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sberpay",
      "name": "SberPay",
      "aliases": [],
      "website_url": "https://sberbank.ru",
      "category": "regional",
      "region": "europe",
      "coverage": "俄罗斯",
      "services": [
        "移动支付",
        "二维码支付"
      ],
      "introduction": "SberPay 是一家区域型支付服务商，覆盖俄罗斯，支持移动支付、二维码支付。公开费率：Free for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sberbank.ru",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "二维码支付",
        "俄罗斯",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vodacom-mpesa",
      "name": "Vodacom M-Pesa",
      "aliases": [],
      "website_url": "https://vodacom.co.za",
      "category": "regional",
      "region": "africa",
      "coverage": "莱索托 | 莫桑比克 | 坦桑尼亚 | 南非",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Vodacom M-Pesa 是一家区域型支付服务商，覆盖莱索托、莫桑比克、坦桑尼亚、南非，支持即时出款、移动支付。公开费率：Tiered per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Tiered per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vodacom.co.za",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "南非",
        "即时出款",
        "坦桑尼亚",
        "移动支付",
        "莫桑比克",
        "莱索托"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-master-transfer",
      "name": "Master Transfer",
      "aliases": [],
      "website_url": "https://mastertransfer.co.uk",
      "category": "regional, traditional",
      "region": "europe, latin-america",
      "coverage": "巴西 | 英国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Master Transfer 是一家区域型支付服务商，覆盖巴西、英国，支持信用卡/借记卡、银行转账、现金/代金券、跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mastertransfer.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "latin-america",
        "regional",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "出款",
        "巴西",
        "现金",
        "英国",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-monnify",
      "name": "Monnify",
      "aliases": [],
      "website_url": "https://monnify.com",
      "category": "regional",
      "region": "africa",
      "coverage": "尼日利亚",
      "services": [
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Monnify 是一家区域型支付服务商，覆盖尼日利亚，支持银行转账、跨境汇款/出款。公开费率：1.5% capped at ₦2,000。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.5% capped at ₦2,000",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://monnify.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "low-fees",
        "regional",
        "startup-friendly",
        "出款",
        "尼日利亚",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-optal",
      "name": "Optal",
      "aliases": [],
      "website_url": "https://optal.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "英国 | 爱尔兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Optal 是一家传统收单/支付服务商，覆盖英国、爱尔兰，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing for OTAs and travel intermediaries; no public rate card.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing for OTAs and travel intermediaries; no public rate card.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://optal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "爱尔兰",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-remote-payroll",
      "name": "Remote.com",
      "aliases": [],
      "website_url": "https://remote.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "英国 | 荷兰 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Remote.com 是一家传统收单/支付服务商，覆盖英国、荷兰、美国，支持信用卡/借记卡。公开费率：From $29/contractor/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $29/contractor/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://remote.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国",
        "英国",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-riverty",
      "name": "Riverty",
      "aliases": [],
      "website_url": "https://riverty.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 瑞士 | 德国 | 芬兰 | 荷兰 | 挪威 | 瑞典",
      "services": [
        "订阅",
        "周期扣款",
        "先买后付(BNPL)"
      ],
      "introduction": "Riverty 是一家传统收单/支付服务商，覆盖奥地利、比利时、瑞士、德国、芬兰、荷兰等，支持订阅/周期扣款、先买后付(BNPL)。公开费率：Merchant fees apply。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees apply",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://riverty.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "recurring-payments",
        "traditional",
        "先买后付(BNPL)",
        "周期扣款",
        "奥地利",
        "德国",
        "挪威",
        "比利时",
        "瑞典",
        "瑞士",
        "芬兰",
        "荷兰",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wallee",
      "name": "Wallee",
      "aliases": [],
      "website_url": "https://wallee.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 瑞士 | 德国 | 法国 | 列支敦士登",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Wallee 是一家传统收单/支付服务商，覆盖奥地利、瑞士、德国、法国、列支敦士登，支持信用卡/借记卡。公开费率：2.9% 加 CHF 0.30 for standard processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.9% 加 CHF 0.30 for standard processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wallee.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "列支敦士登",
        "奥地利",
        "德国",
        "法国",
        "瑞士"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fintecture",
      "name": "Fintecture",
      "aliases": [],
      "website_url": "https://fintecture.com",
      "category": "regional",
      "region": "europe",
      "coverage": "西班牙 | 法国 | 英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Fintecture 是一家区域型支付服务商，覆盖西班牙、法国、英国，支持信用卡/借记卡。公开费率：定制(需询价) pricing — no public per-transaction rate card; contact sales for a quote.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing — no public per-transaction rate card; contact sales for a quote.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fintecture.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "法国",
        "英国",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-robinhood",
      "name": "Robinhood",
      "aliases": [],
      "website_url": "https://robinhood.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "加密货币",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Robinhood 是一家传统收单/支付服务商，覆盖美国，支持加密货币、订阅/周期扣款。公开费率：Commission-free trading。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Commission-free trading",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://robinhood.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "low-fees",
        "north-america",
        "traditional",
        "加密货币",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sightline-payments",
      "name": "Sightline Payments",
      "aliases": [],
      "website_url": "https://sightlinepayments.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "电子钱包",
        "现金",
        "代金券"
      ],
      "introduction": "Sightline Payments 是一家传统收单/支付服务商，覆盖美国，支持电子钱包、现金/代金券。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sightlinepayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "代金券",
        "现金",
        "电子钱包",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-togai",
      "name": "Togai",
      "aliases": [],
      "website_url": "https://togai.com",
      "category": "traditional",
      "region": "asia, north-america",
      "coverage": "印度 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Togai 是一家传统收单/支付服务商，覆盖印度、美国，支持订阅/周期扣款。公开费率：From free tier。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From free tier",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://togai.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "印度",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tradeshift",
      "name": "Tradeshift",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Tradeshift 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) enterprise。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wayforpay",
      "name": "WayForPay",
      "aliases": [],
      "website_url": "https://wayforpay.com",
      "category": "regional",
      "region": "europe",
      "coverage": "乌克兰",
      "services": [
        "信用卡",
        "借记卡",
        "先买后付(BNPL)"
      ],
      "introduction": "WayForPay 是一家区域型支付服务商，覆盖乌克兰，支持信用卡/借记卡、先买后付(BNPL)。公开费率：2-2.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2-2.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wayforpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "乌克兰",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wisetack",
      "name": "Wisetack",
      "aliases": [],
      "website_url": "https://wisetack.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Wisetack 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Merchant fees 单笔从3.9%起。结算：1–3个工作日。",
      "fee_note": "公开费率：Merchant fees 单笔从3.9%起",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wisetack.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-assist-russia",
      "name": "Assist Russia",
      "aliases": [],
      "website_url": "https://assist.ru",
      "category": "regional",
      "region": "europe",
      "coverage": "俄罗斯",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Assist Russia 是一家区域型支付服务商，覆盖俄罗斯，支持信用卡/借记卡。公开费率：2-3%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2-3%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://assist.ru",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "俄罗斯",
        "信用卡",
        "借记卡"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-girocard",
      "name": "Girocard",
      "aliases": [],
      "website_url": "https://girocard.eu",
      "category": "regional",
      "region": "europe",
      "coverage": "德国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Girocard 是一家区域型支付服务商，覆盖德国，支持信用卡/借记卡。公开费率：Low per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://girocard.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "德国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-klik-24",
      "name": "Klik-24",
      "aliases": [],
      "website_url": "https://klik-24.com",
      "category": "regional",
      "region": "europe",
      "coverage": "英国 | 波兰",
      "services": [
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Klik-24 是一家区域型支付服务商，覆盖英国、波兰，支持银行转账、跨境汇款/出款。公开费率：Standard transfers free; express transfers processed within 24 business hours from deposit reception.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Standard transfers free; express transfers processed within 24 business hours from deposit reception.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://klik-24.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "出款",
        "波兰",
        "英国",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-neopay",
      "name": "Neopay",
      "aliases": [],
      "website_url": "https://neopay.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "爱沙尼亚 | 芬兰 | 立陶宛 | 拉脱维亚 | 荷兰 | 波兰 | 瑞典",
      "services": [
        "银行转账"
      ],
      "introduction": "Neopay 是一家传统收单/支付服务商，覆盖爱沙尼亚、芬兰、立陶宛、拉脱维亚、荷兰、波兰等，支持银行转账。公开费率：Variable based on transaction volume; open banking model。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Variable based on transaction volume; open banking model",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://neopay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "拉脱维亚",
        "波兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "芬兰",
        "荷兰",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-netopia-payments",
      "name": "Netopia Payments",
      "aliases": [],
      "website_url": "https://netopia-payments.com",
      "category": "regional",
      "region": "europe",
      "coverage": "罗马尼亚",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Netopia Payments 是一家区域型支付服务商，覆盖罗马尼亚，支持信用卡/借记卡。公开费率：1.5-2.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.5-2.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://netopia-payments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "罗马尼亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-triumphpay",
      "name": "TriumphPay",
      "aliases": [],
      "website_url": "https://triumphpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "账单",
        "发票支付"
      ],
      "introduction": "TriumphPay 是一家传统收单/支付服务商，覆盖美国，支持即时出款、账单/发票支付。公开费率：定制(需询价) pricing。结算：1–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://triumphpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "north-america",
        "traditional",
        "即时出款",
        "发票支付",
        "美国",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wing-money",
      "name": "Wing Money",
      "aliases": [],
      "website_url": "https://wingmoney.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "柬埔寨",
      "services": [
        "即时出款",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Wing Money 是一家区域型支付服务商，覆盖柬埔寨，支持即时出款、移动支付、跨境汇款/出款。公开费率：Low agent fees。结算：2–3个工作日。",
      "fee_note": "公开费率：Low agent fees",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wingmoney.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "regional",
        "southeast-asia",
        "出款",
        "即时出款",
        "柬埔寨",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zarinpal",
      "name": "ZarinPal",
      "aliases": [],
      "website_url": "https://zarinpal.com",
      "category": "regional",
      "region": "middle-east",
      "coverage": "伊朗",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "ZarinPal 是一家区域型支付服务商，覆盖伊朗，支持信用卡/借记卡。公开费率：Free for merchants。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for merchants",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zarinpal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "middle-east",
        "regional",
        "startup-friendly",
        "伊朗",
        "信用卡",
        "借记卡"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fundly",
      "name": "Fundly",
      "aliases": [],
      "website_url": "https://fundly.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "捐赠",
        "募捐",
        "众筹",
        "募资"
      ],
      "introduction": "Fundly 是一家传统收单/支付服务商，覆盖美国，支持捐赠/募捐、众筹/募资。公开费率：4.9% 加 $0.30 per donation。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：4.9% 加 $0.30 per donation",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fundly.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "众筹",
        "募捐",
        "募资",
        "捐赠",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-invoice-cloud",
      "name": "Invoice Cloud",
      "aliases": [],
      "website_url": "https://invoicecloud.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Invoice Cloud 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://invoicecloud.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kameo",
      "name": "Kameo",
      "aliases": [],
      "website_url": "https://kameo.dk",
      "category": "regional",
      "region": "europe",
      "coverage": "挪威 | 瑞典",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Kameo 是一家区域型支付服务商，覆盖挪威、瑞典，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kameo.dk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "挪威",
        "瑞典"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wert",
      "name": "Wert",
      "aliases": [],
      "website_url": "https://wert.io",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "爱沙尼亚 | 美国",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Wert 是一家加密货币支付服务商，覆盖爱沙尼亚、美国，支持加密货币、信用卡/借记卡。公开费率：单笔从3.95%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从3.95%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wert.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "north-america",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "加密货币",
        "爱沙尼亚",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymark",
      "name": "Paymark",
      "aliases": [],
      "website_url": "https://paymark.co.nz",
      "category": "regional",
      "region": "oceania",
      "coverage": "新西兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Paymark 是一家区域型支付服务商，覆盖新西兰，支持信用卡/借记卡。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymark.co.nz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "oceania",
        "regional",
        "信用卡",
        "借记卡",
        "新西兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymentology",
      "name": "Paymentology",
      "aliases": [],
      "website_url": "https://paymentology.com",
      "category": "baas",
      "region": "africa, asia, europe, oceania",
      "coverage": "澳大利亚 | 英国 | 新加坡 | 南非",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Paymentology 是一家银行即服务(BaaS)服务商，覆盖澳大利亚、英国、新加坡、南非，支持信用卡/借记卡。公开费率：Per-card/transaction pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-card/transaction pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymentology.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "baas",
        "enterprise",
        "europe",
        "oceania",
        "信用卡",
        "借记卡",
        "南非",
        "新加坡",
        "澳大利亚",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-izipay-peru",
      "name": "Izipay Peru",
      "aliases": [],
      "website_url": "https://izipay.pe",
      "category": "regional",
      "region": "latin-america",
      "coverage": "秘鲁",
      "services": [
        "二维码支付",
        "POS收单"
      ],
      "introduction": "Izipay Peru 是一家区域型支付服务商，覆盖秘鲁，支持二维码支付、POS收单。公开费率：2-3.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2-3.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://izipay.pe",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "startup-friendly",
        "二维码支付",
        "秘鲁"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-montonio",
      "name": "Montonio",
      "aliases": [],
      "website_url": "https://montonio.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "爱沙尼亚 | 芬兰 | 立陶宛 | 拉脱维亚",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Montonio 是一家传统收单/支付服务商，覆盖爱沙尼亚、芬兰、立陶宛、拉脱维亚，支持信用卡/借记卡、银行转账。公开费率：视情况而定 by payment method; bank transfers typically 0.5-1.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：视情况而定 by payment method; bank transfers typically 0.5-1.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://montonio.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "拉脱维亚",
        "爱沙尼亚",
        "立陶宛",
        "芬兰",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-orange-money",
      "name": "Orange Money",
      "aliases": [],
      "website_url": "https://orange.com",
      "category": "regional",
      "region": "africa",
      "coverage": "布基纳法索 | 刚果(金) | 科特迪瓦 | 喀麦隆 | 吉布提 | 埃及 | 科摩罗 | 马达加斯加 | 马里 | 塞内加尔",
      "services": [
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Orange Money 是一家区域型支付服务商，覆盖布基纳法索、刚果(金)、科特迪瓦、喀麦隆、吉布提、埃及等，支持移动支付、跨境汇款/出款。公开费率：2-5% depending on service and country。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2-5% depending on service and country",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://orange.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "出款",
        "刚果(金)",
        "吉布提",
        "喀麦隆",
        "埃及",
        "塞内加尔",
        "布基纳法索",
        "科摩罗",
        "科特迪瓦",
        "移动支付",
        "跨境汇款",
        "马达加斯加",
        "马里"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paybis",
      "name": "Paybis",
      "aliases": [],
      "website_url": "https://paybis.com",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Paybis 是一家加密货币支付服务商，覆盖全球，支持加密货币、信用卡/借记卡、银行转账。公开费率：单笔从1.99%起。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从1.99%起",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paybis.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "全球",
        "加密货币",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payfare",
      "name": "Payfare",
      "aliases": [],
      "website_url": "https://payfare.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Payfare 是一家传统收单/支付服务商，覆盖美国，支持即时出款、跨境汇款/出款。公开费率：定制(需询价) B2B pricing。结算：即时。",
      "fee_note": "公开费率：定制(需询价) B2B pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payfare.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "出款",
        "即时出款",
        "美国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-speed-btc",
      "name": "Speed (Bitcoin)",
      "aliases": [],
      "website_url": "https://tryspeed.com",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "爱沙尼亚 | 美国",
      "services": [
        "加密货币",
        "即时出款"
      ],
      "introduction": "Speed (Bitcoin) 是一家加密货币支付服务商，覆盖爱沙尼亚、美国，支持加密货币、即时出款。公开费率：1% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tryspeed.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "instant-payout",
        "north-america",
        "加密货币",
        "即时出款",
        "爱沙尼亚",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-smcc-payments",
      "name": "Sumitomo Mitsui Card",
      "aliases": [],
      "website_url": "https://smbc-card.com",
      "category": "traditional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sumitomo Mitsui Card 是一家传统收单/支付服务商，覆盖日本，支持信用卡/借记卡。公开费率：Volume-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Volume-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://smbc-card.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "traditional",
        "信用卡",
        "借记卡",
        "日本"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-swish",
      "name": "Swish",
      "aliases": [],
      "website_url": "https://swish.se",
      "category": "traditional",
      "region": "europe",
      "coverage": "瑞典",
      "services": [
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Swish 是一家传统收单/支付服务商，覆盖瑞典，支持移动支付、跨境汇款/出款。公开费率：No merchant fees for Swish payments。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：No merchant fees for Swish payments",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://swish.se",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "出款",
        "瑞典",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-trueaccord",
      "name": "TrueAccord",
      "aliases": [],
      "website_url": "https://trueaccord.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "TrueAccord 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Contingency-based pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Contingency-based pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://trueaccord.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wari-senegal",
      "name": "Wari",
      "aliases": [],
      "website_url": "https://wfrwari.com",
      "category": "regional",
      "region": "africa",
      "coverage": "布基纳法索 | 科特迪瓦 | 马里 | 塞内加尔",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Wari 是一家区域型支付服务商，覆盖布基纳法索、科特迪瓦、马里、塞内加尔，支持跨境汇款/出款。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wfrwari.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "regional",
        "出款",
        "塞内加尔",
        "布基纳法索",
        "科特迪瓦",
        "跨境汇款",
        "马里"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jcb-international",
      "name": "JCB International",
      "aliases": [],
      "website_url": "https://jcb.co.jp",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "JCB International 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Interchange-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://jcb.co.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mips-mauritius",
      "name": "MIPS",
      "aliases": [],
      "website_url": "https://mips.mu",
      "category": "traditional",
      "region": "africa",
      "coverage": "毛里求斯",
      "services": [
        "POS收单"
      ],
      "introduction": "MIPS 是一家传统收单/支付服务商，覆盖毛里求斯，支持POS收单。公开费率：2.3% 加 Rs 8 for standard processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.3% 加 Rs 8 for standard processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mips.mu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "africa",
        "traditional",
        "毛里求斯"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payouts-com",
      "name": "Payouts.com",
      "aliases": [],
      "website_url": "https://payouts.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Payouts.com 是一家传统收单/支付服务商，覆盖美国，支持即时出款、信用卡/借记卡、银行转账、电子钱包、跨境汇款/出款。公开费率：Per-payout pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-payout pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payouts.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "enterprise",
        "europe",
        "instant-payout",
        "latin-america",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "出款",
        "即时出款",
        "电子钱包",
        "美国",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payusatax",
      "name": "PayUSAtax",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "PayUSAtax 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡、电子钱包。公开费率：1.85% card, $2.14 debit。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.85% card, $2.14 debit",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "电子钱包",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-verotel",
      "name": "Verotel",
      "aliases": [],
      "website_url": "https://verotel.com",
      "category": "high-risk",
      "region": "europe, north-america",
      "coverage": "德国 | 荷兰 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Verotel 是一家高风险行业支付服务商，覆盖德国、荷兰、美国，支持订阅/周期扣款。公开费率：3.9%–15% depending on risk level。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：3.9%–15% depending on risk level",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://verotel.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "recurring-payments",
        "周期扣款",
        "德国",
        "美国",
        "荷兰",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mondial-bony-service",
      "name": "Mondial Bony Service",
      "aliases": [],
      "website_url": "https://mondialbonyservice.it",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "西班牙 | 意大利",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Mondial Bony Service 是一家区域型支付服务商，覆盖西班牙、意大利，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mondialbonyservice.it",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "出款",
        "意大利",
        "西班牙",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ofx",
      "name": "OFX",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "OFX 是一家传统收单/支付服务商，覆盖全球，支持跨境汇款/出款。公开费率：No transfer fees on most transfers。结算：1–2个工作日。",
      "fee_note": "公开费率：No transfer fees on most transfers",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "low-fees",
        "north-america",
        "oceania",
        "traditional",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sadapay",
      "name": "SadaPay",
      "aliases": [],
      "website_url": "https://sadapay.pk",
      "category": "regional",
      "region": "asia",
      "coverage": "巴基斯坦",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "SadaPay 是一家区域型支付服务商，覆盖巴基斯坦，支持信用卡/借记卡。公开费率：Free basic account。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free basic account",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sadapay.pk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "巴基斯坦"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-onelink-pk",
      "name": "1LINK (Pakistan)",
      "aliases": [],
      "website_url": "https://1link.net.pk",
      "category": "regional",
      "region": "asia",
      "coverage": "巴基斯坦",
      "services": [
        "即时出款"
      ],
      "introduction": "1LINK (Pakistan) 是一家区域型支付服务商，覆盖巴基斯坦，支持即时出款。公开费率：Per-transaction network fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction network fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://1link.net.pk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "instant-payout",
        "regional",
        "即时出款",
        "巴基斯坦"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-aduno",
      "name": "Aduno",
      "aliases": [],
      "website_url": "https://aduno.ch",
      "category": "traditional",
      "region": "europe",
      "coverage": "瑞士 | 列支敦士登",
      "services": [
        "POS收单"
      ],
      "introduction": "Aduno 是一家传统收单/支付服务商，覆盖瑞士、列支敦士登，支持POS收单。公开费率：2.5% 加 CHF 0.20 for standard cards。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5% 加 CHF 0.20 for standard cards",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://aduno.ch",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "traditional",
        "列支敦士登",
        "瑞士"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-humo-uzbekistan",
      "name": "Humo Card Uzbekistan",
      "aliases": [],
      "website_url": "https://humocard.uz",
      "category": "regional",
      "region": "asia",
      "coverage": "乌兹别克斯坦",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Humo Card Uzbekistan 是一家区域型支付服务商，覆盖乌兹别克斯坦，支持信用卡/借记卡、银行转账、跨境汇款/出款。公开费率：Low interchange。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low interchange",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://humocard.uz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "乌兹别克斯坦",
        "信用卡",
        "借记卡",
        "出款",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payu-romania",
      "name": "PayU Romania",
      "aliases": [],
      "website_url": "https://payu.ro",
      "category": "regional",
      "region": "europe",
      "coverage": "罗马尼亚",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "PayU Romania 是一家区域型支付服务商，覆盖罗马尼亚，支持信用卡/借记卡、银行转账。公开费率：1.5-3%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.5-3%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payu.ro",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "罗马尼亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-simplepay-hu",
      "name": "SimplePay Hungary",
      "aliases": [],
      "website_url": "https://simplepay.hu",
      "category": "regional",
      "region": "europe",
      "coverage": "匈牙利",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "SimplePay Hungary 是一家区域型支付服务商，覆盖匈牙利，支持先买后付(BNPL)。公开费率：1.5-2.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.5-2.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://simplepay.hu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "先买后付(BNPL)",
        "匈牙利"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sumsub",
      "name": "Sumsub",
      "aliases": [],
      "website_url": "https://sumsub.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "阿联酋 | 英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sumsub 是一家传统收单/支付服务商，覆盖阿联酋、英国、美国，支持信用卡/借记卡。公开费率：Per-verification pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-verification pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sumsub.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "instant-sandbox",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国",
        "英国",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-telebirr",
      "name": "Telebirr",
      "aliases": [],
      "website_url": "https://ethiotelecom.et",
      "category": "regional",
      "region": "africa",
      "coverage": "埃塞俄比亚",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Telebirr 是一家区域型支付服务商，覆盖埃塞俄比亚，支持即时出款、移动支付。公开费率：Free for basic services。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for basic services",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ethiotelecom.et",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "即时出款",
        "埃塞俄比亚",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-thepeer",
      "name": "Thepeer",
      "aliases": [],
      "website_url": "https://thepeer.co",
      "category": "baas",
      "region": "africa",
      "coverage": "尼日利亚",
      "services": [
        "即时出款",
        "电子钱包"
      ],
      "introduction": "Thepeer 是一家银行即服务(BaaS)服务商，覆盖尼日利亚，支持即时出款、电子钱包。公开费率：Per-transaction API。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction API",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://thepeer.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "baas",
        "instant-payout",
        "startup-friendly",
        "即时出款",
        "尼日利亚",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-xe-money-transfer",
      "name": "XE Money Transfer",
      "aliases": [],
      "website_url": "https://xe.com",
      "category": "traditional",
      "region": "asia, europe, north-america, oceania",
      "coverage": "全球",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "XE Money Transfer 是一家传统收单/支付服务商，覆盖全球，支持跨境汇款/出款。公开费率：No transfer fees, FX margin。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：No transfer fees, FX margin",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://xe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "low-fees",
        "north-america",
        "oceania",
        "traditional",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-guidewire",
      "name": "Guidewire",
      "aliases": [],
      "website_url": "https://guidewire.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Guidewire 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://guidewire.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-metronome-billing",
      "name": "Metronome",
      "aliases": [],
      "website_url": "https://metronome.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Metronome 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://metronome.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nequi-mx",
      "name": "Nequi Mexico",
      "aliases": [],
      "website_url": "https://nequi.com.mx",
      "category": "regional",
      "region": "latin-america",
      "coverage": "墨西哥",
      "services": [
        "信用卡",
        "借记卡",
        "二维码支付"
      ],
      "introduction": "Nequi Mexico 是一家区域型支付服务商，覆盖墨西哥，支持信用卡/借记卡、二维码支付。公开费率：Free basic services。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free basic services",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nequi.com.mx",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "startup-friendly",
        "二维码支付",
        "信用卡",
        "借记卡",
        "墨西哥"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-netsuite-payments",
      "name": "NetSuite Payments",
      "aliases": [],
      "website_url": "https://netsuite.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "澳大利亚 | 英国 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "NetSuite Payments 是一家传统收单/支付服务商，覆盖澳大利亚、英国、美国，支持订阅/周期扣款。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://netsuite.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "澳大利亚",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-portwallet",
      "name": "PortWallet",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "asia",
      "coverage": "孟加拉国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PortWallet 是一家区域型支付服务商，覆盖孟加拉国，支持信用卡/借记卡。公开费率：2%–3% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2%–3% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-sandbox",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "孟加拉国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tarabut-gateway",
      "name": "Tarabut Gateway",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋 | 巴林 | 沙特阿拉伯",
      "services": [
        "银行转账"
      ],
      "introduction": "Tarabut Gateway 是一家区域型支付服务商，覆盖阿联酋、巴林、沙特阿拉伯，支持银行转账。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "middle-east",
        "regional",
        "巴林",
        "沙特阿拉伯",
        "银行转账",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-alpha-card",
      "name": "Alpha Card",
      "aliases": [],
      "website_url": "https://americanexpress.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "比利时 | 卢森堡",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Alpha Card 是一家区域型支付服务商，覆盖比利时、卢森堡，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://americanexpress.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "卢森堡",
        "比利时"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-amal",
      "name": "AMAL Money Transfer",
      "aliases": [],
      "website_url": "https://amalmoney.co.uk",
      "category": "regional, traditional",
      "region": "asia, europe",
      "coverage": "孟加拉国 | 英国",
      "services": [
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "AMAL Money Transfer 是一家区域型支付服务商，覆盖孟加拉国、英国，支持电子钱包、现金/代金券、跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://amalmoney.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "regional",
        "traditional",
        "代金券",
        "出款",
        "孟加拉国",
        "现金",
        "电子钱包",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-taulia",
      "name": "Taulia",
      "aliases": [],
      "website_url": "https://taulia.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "Taulia 是一家传统收单/支付服务商，覆盖全球，支持账单/发票支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://taulia.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "全球",
        "发票支付",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-xace",
      "name": "Xace",
      "aliases": [],
      "website_url": "https://xace.io",
      "category": "gaming",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "游戏内支付"
      ],
      "introduction": "Xace 是一家游戏支付服务商，覆盖全球，支持游戏内支付。公开费率：1.8-2.8% for gaming transactions。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.8-2.8% for gaming transactions",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://xace.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "europe",
        "gaming",
        "全球",
        "游戏内支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bdo-unibank",
      "name": "BDO Unibank",
      "aliases": [],
      "website_url": "https://bdo.com.ph",
      "category": "regional, traditional",
      "region": "southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包",
        "POS收单",
        "先买后付(BNPL)",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "BDO Unibank 是一家区域型支付服务商，覆盖菲律宾，支持信用卡/借记卡、电子钱包、POS收单、先买后付(BNPL)、现金/代金券、跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bdo.com.ph",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "regional",
        "southeast-asia",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "出款",
        "现金",
        "电子钱包",
        "菲律宾",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-papss",
      "name": "PAPSS",
      "aliases": [],
      "website_url": "https://papss.com",
      "category": "traditional",
      "region": "africa",
      "coverage": "全球",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "PAPSS 是一家传统收单/支付服务商，覆盖全球，支持跨境汇款/出款。公开费率：视情况而定 by participating central bank; typically competitive。结算：即时。",
      "fee_note": "公开费率：视情况而定 by participating central bank; typically competitive",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://papss.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "traditional",
        "全球",
        "出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-transfermate",
      "name": "TransferMate",
      "aliases": [],
      "website_url": "https://www.transfermate.com/",
      "category": "B2B cross-border payments, receivables, payables",
      "region": "Global",
      "coverage": "AE, AU, BE, BG, BR, CA, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HK, HR, HU, IE, IN, IS, IT, LI, LT, LU, LV, MT, MX, MY, NL, NO, NZ, PH, PL, PT, RO, SE, SG, SI, SK, US",
      "services": [
        "cross-border payments",
        "receivables",
        "payables",
        "FX",
        "local collection accounts",
        "education payments",
        "mass payments"
      ],
      "introduction": "TransferMate 是 B2B 跨境收付款和外汇支付平台，服务企业应收、应付、教育付款和本地收款账户场景，适合需要多国家收付和外汇结算的企业。",
      "fee_note": "公开页面未提供统一标准费率，通常按客户、币种、走款国家和交易规模报价；部分合规或高风险目的地可能需要额外资料。",
      "settlement_note": "TransferMate 在多国设有本地办公室和收付款网络；具体到账取决于付款国家、收款国家、币种、合规审核和当地银行。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.transfermate.com/company/contact-us",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "B2B",
        "FX",
        "Global",
        "active / raw import",
        "asia",
        "baas",
        "cross-border",
        "enterprise",
        "europe",
        "instant-sandbox",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-usaepay",
      "name": "USAePay",
      "aliases": [],
      "website_url": "https://usaepay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "移动支付",
        "POS收单"
      ],
      "introduction": "USAePay 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、移动支付、POS收单。公开费率：Gateway fee 加 processor markup。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Gateway fee 加 processor markup",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://usaepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "移动支付",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-avidxchange",
      "name": "AvidXchange",
      "aliases": [],
      "website_url": "https://avidxchange.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "银行转账",
        "账单",
        "发票支付"
      ],
      "introduction": "AvidXchange 是一家传统收单/支付服务商，覆盖美国，支持银行转账、账单/发票支付。公开费率：Platform 加 per-payment。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Platform 加 per-payment",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://avidxchange.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "发票支付",
        "美国",
        "账单",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-fonepay",
      "name": "Fonepay",
      "aliases": [],
      "website_url": "https://fonepay.com",
      "category": "regional",
      "region": "asia",
      "coverage": "尼泊尔",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "Fonepay 是一家区域型支付服务商，覆盖尼泊尔，支持即时出款、电子钱包、二维码支付。公开费率：Low transaction fees。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Low transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://fonepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "即时出款",
        "尼泊尔",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hypur",
      "name": "Hypur",
      "aliases": [],
      "website_url": "https://hypur.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "银行转账",
        "现金",
        "代金券",
        "POS收单"
      ],
      "introduction": "Hypur 是一家高风险行业支付服务商，覆盖美国，支持银行转账、现金/代金券、POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hypur.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "代金券",
        "现金",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-merex",
      "name": "Merex International",
      "aliases": [],
      "website_url": "https://merexint.dk",
      "category": "regional",
      "region": "europe",
      "coverage": "欧洲",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Merex International 是一家区域型支付服务商，覆盖欧洲，支持信用卡/借记卡。公开费率：No hidden fees; competitive walk-in spread on currency exchange and gold bar trades (rates published in-store).。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：No hidden fees; competitive walk-in spread on currency exchange and gold bar trades (rates published in-store).",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://merexint.dk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "欧洲"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nelnet",
      "name": "Nelnet",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Nelnet 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nestpay",
      "name": "Nestpay",
      "aliases": [],
      "website_url": "https://nestpay.com",
      "category": "regional",
      "region": "europe",
      "coverage": "土耳其",
      "services": [
        "POS收单"
      ],
      "introduction": "Nestpay 是一家区域型支付服务商，覆盖土耳其，支持POS收单。公开费率：Bank-dependent。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Bank-dependent",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nestpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "土耳其"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payten",
      "name": "Payten",
      "aliases": [],
      "website_url": "https://payten.com",
      "category": "regional",
      "region": "europe",
      "coverage": "波黑 | 保加利亚 | 克罗地亚 | 黑山 | 北马其顿 | 塞尔维亚",
      "services": [
        "POS收单"
      ],
      "introduction": "Payten 是一家区域型支付服务商，覆盖波黑、保加利亚、克罗地亚、黑山、北马其顿、塞尔维亚，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payten.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "保加利亚",
        "克罗地亚",
        "北马其顿",
        "塞尔维亚",
        "波黑",
        "黑山"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rippling",
      "name": "Rippling",
      "aliases": [],
      "website_url": "https://rippling.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "全球",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Rippling 是一家传统收单/支付服务商，覆盖全球，支持订阅/周期扣款。公开费率：From $8/user/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $8/user/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://rippling.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "全球",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-saldiapay",
      "name": "saldiaPay",
      "aliases": [],
      "website_url": "https://saldiacorp.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "瑞士",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "saldiaPay 是一家传统收单/支付服务商，覆盖瑞士，支持信用卡/借记卡、电子钱包。公开费率：2.3% 加 CHF 0.25 for card processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.3% 加 CHF 0.25 for card processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://saldiacorp.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "瑞士",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-smoovpay",
      "name": "SmoovPay",
      "aliases": [],
      "website_url": "https://smoovpay.com",
      "category": "traditional",
      "region": "southeast-asia",
      "coverage": "马来西亚 | 菲律宾 | 新加坡",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "SmoovPay 是一家传统收单/支付服务商，覆盖马来西亚、菲律宾、新加坡，支持信用卡/借记卡。公开费率：2.4% 加 SGD 0.50 for standard processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.4% 加 SGD 0.50 for standard processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://smoovpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "新加坡",
        "菲律宾",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sunmi",
      "name": "Sunmi",
      "aliases": [],
      "website_url": "https://sunmi.com",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "POS收单"
      ],
      "introduction": "Sunmi 是一家传统收单/支付服务商，覆盖全球，支持POS收单。公开费率：Hardware pricing 视情况而定。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Hardware pricing 视情况而定",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sunmi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wavepay-mm",
      "name": "WavePay",
      "aliases": [],
      "website_url": "https://wavemoney.com.mm",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "缅甸",
      "services": [
        "即时出款",
        "电子钱包"
      ],
      "introduction": "WavePay 是一家区域型支付服务商，覆盖缅甸，支持即时出款、电子钱包。公开费率：Agent commission-based。结算：即时。",
      "fee_note": "公开费率：Agent commission-based",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wavemoney.com.mm",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "regional",
        "southeast-asia",
        "即时出款",
        "电子钱包",
        "缅甸"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paydiverse",
      "name": "PayDiverse",
      "aliases": [],
      "website_url": "https://paydiverse.com",
      "category": "high-risk",
      "region": "europe, north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PayDiverse 是一家高风险行业支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing per risk level。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing per risk level",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paydiverse.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payture-russia",
      "name": "Payture Russia",
      "aliases": [],
      "website_url": "https://payture.com",
      "category": "regional",
      "region": "europe",
      "coverage": "俄罗斯",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payture Russia 是一家区域型支付服务商，覆盖俄罗斯，支持信用卡/借记卡。公开费率：2-3%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2-3%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payture.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "俄罗斯",
        "信用卡",
        "借记卡"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-revenue-monster",
      "name": "Revenue Monster",
      "aliases": [],
      "website_url": "https://revenuemonster.my",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "马来西亚",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "Revenue Monster 是一家区域型支付服务商，覆盖马来西亚，支持即时出款、二维码支付。公开费率：单笔从0.8%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从0.8%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://revenuemonster.my",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "二维码支付",
        "即时出款",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sabre",
      "name": "Sabre Corporation",
      "aliases": [],
      "website_url": "https://sabre.com",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "巴西 | 英国 | 新加坡 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sabre Corporation 是一家传统收单/支付服务商，覆盖巴西、英国、新加坡、美国，支持信用卡/借记卡。公开费率：Per-segment/booking fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-segment/booking fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sabre.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "巴西",
        "新加坡",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tipjar",
      "name": "TipJar",
      "aliases": [],
      "website_url": "https://tipjar.co",
      "category": "traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡",
        "二维码支付"
      ],
      "introduction": "TipJar 是一家传统收单/支付服务商，覆盖英国，支持信用卡/借记卡、二维码支付。公开费率：5% platform fee。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：5% platform fee",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tipjar.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "startup-friendly",
        "traditional",
        "二维码支付",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vend-pos",
      "name": "Vend (Lightspeed)",
      "aliases": [],
      "website_url": "https://vendhq.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 英国 | 新西兰 | 美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Vend (Lightspeed) 是一家传统收单/支付服务商，覆盖澳大利亚、英国、新西兰、美国，支持POS收单。公开费率：From $69/month 加 processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $69/month 加 processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vendhq.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "north-america",
        "oceania",
        "startup-friendly",
        "traditional",
        "新西兰",
        "澳大利亚",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-breeze-chms",
      "name": "Breeze ChMS",
      "aliases": [],
      "website_url": "https://breezechms.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐"
      ],
      "introduction": "Breeze ChMS 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、捐赠/募捐。公开费率：Fee details require provider confirmation.；fee model: flat-rate。结算：2–3个工作日。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: flat-rate",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://breezechms.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "募捐",
        "周期扣款",
        "捐赠",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hana-financial-payments",
      "name": "Hana Financial Group Payments",
      "aliases": [],
      "website_url": "https://hanafn.com",
      "category": "traditional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Hana Financial Group Payments 是一家传统收单/支付服务商，覆盖韩国，支持信用卡/借记卡。公开费率：Volume-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Volume-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hanafn.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "traditional",
        "信用卡",
        "借记卡",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-onfido",
      "name": "Onfido",
      "aliases": [],
      "website_url": "https://onfido.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Onfido 是一家传统收单/支付服务商，覆盖英国、美国，支持信用卡/借记卡。公开费率：Per-check pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-check pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://onfido.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paynovate",
      "name": "Paynovate",
      "aliases": [],
      "website_url": "https://paynovate.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "比利时 | 欧盟",
      "services": [
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Paynovate 是一家传统收单/支付服务商，覆盖比利时、欧盟，支持银行转账、跨境汇款/出款。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paynovate.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "出款",
        "欧盟",
        "比利时",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管；支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payouts-network",
      "name": "Payouts Network",
      "aliases": [],
      "website_url": "https://payoutsnetwork.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Payouts Network 是一家传统收单/支付服务商，覆盖美国，支持即时出款、信用卡/借记卡、电子钱包、跨境汇款/出款。公开费率：Per-payout。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-payout",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payoutsnetwork.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "出款",
        "即时出款",
        "电子钱包",
        "美国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-priority-tech",
      "name": "Priority Technology Holdings",
      "aliases": [],
      "website_url": "https://prioritycommerce.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Priority Technology Holdings 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://prioritycommerce.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-touch-n-go-ewallet",
      "name": "Touch 'n Go eWallet",
      "aliases": [],
      "website_url": "https://tngdigital.com.my",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "马来西亚",
      "services": [
        "即时出款",
        "电子钱包"
      ],
      "introduction": "Touch 'n Go eWallet 是一家区域型支付服务商，覆盖马来西亚，支持即时出款、电子钱包。公开费率：Free P2P, merchant 0.7-1%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free P2P, merchant 0.7-1%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tngdigital.com.my",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "即时出款",
        "电子钱包",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-arifpay",
      "name": "ArifPay",
      "aliases": [],
      "website_url": "https://arifpay.net",
      "category": "regional",
      "region": "africa",
      "coverage": "埃塞俄比亚",
      "services": [
        "即时出款"
      ],
      "introduction": "ArifPay 是一家区域型支付服务商，覆盖埃塞俄比亚，支持即时出款。公开费率：Transaction-based。结算：1–2个工作日。",
      "fee_note": "公开费率：Transaction-based",
      "settlement_note": "1–2个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://arifpay.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "startup-friendly",
        "即时出款",
        "埃塞俄比亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-chime",
      "name": "Chime",
      "aliases": [],
      "website_url": "https://chime.com",
      "category": "regional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款"
      ],
      "introduction": "Chime 是一家区域型支付服务商，覆盖美国，支持即时出款。公开费率：No monthly fees。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：No monthly fees",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://chime.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "north-america",
        "regional",
        "即时出款",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-twisto",
      "name": "Twisto",
      "aliases": [],
      "website_url": "https://twisto.cz",
      "category": "regional",
      "region": "europe",
      "coverage": "捷克 | 波兰",
      "services": [
        "信用卡",
        "借记卡",
        "先买后付(BNPL)"
      ],
      "introduction": "Twisto 是一家区域型支付服务商，覆盖捷克、波兰，支持信用卡/借记卡、先买后付(BNPL)。公开费率：Merchant fees vary。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees vary",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://twisto.cz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "先买后付(BNPL)",
        "捷克",
        "波兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-meituan-pay",
      "name": "Meituan Pay",
      "aliases": [],
      "website_url": "https://meituan.com",
      "category": "traditional",
      "region": "asia",
      "coverage": "中国",
      "services": [
        "电子钱包"
      ],
      "introduction": "Meituan Pay 是一家传统收单/支付服务商，覆盖中国，支持电子钱包。公开费率：1-2% for platform transactions。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1-2% for platform transactions",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://meituan.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "traditional",
        "中国",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rabbit-line-pay",
      "name": "Rabbit LINE Pay",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "泰国",
      "services": [
        "电子钱包",
        "移动支付"
      ],
      "introduction": "Rabbit LINE Pay 是一家区域型支付服务商，覆盖泰国，支持电子钱包、移动支付。公开费率：Low merchant fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low merchant fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "regional",
        "southeast-asia",
        "泰国",
        "电子钱包",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-spicepay",
      "name": "SpicePay",
      "aliases": [],
      "website_url": "https://spicepay.com",
      "category": "crypto",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "加密货币",
        "即时出款"
      ],
      "introduction": "SpicePay 是一家加密货币支付服务商，覆盖全球，支持加密货币、即时出款。公开费率：1%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://spicepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk-accepted",
        "instant-payout",
        "north-america",
        "全球",
        "加密货币",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lendingclub",
      "name": "LendingClub",
      "aliases": [],
      "website_url": "https://lendingclub.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "LendingClub 是一家传统收单/支付服务商，覆盖美国，支持跨境汇款/出款。公开费率：Origination: 3-8%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Origination: 3-8%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lendingclub.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "出款",
        "美国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tippy",
      "name": "Tippy",
      "aliases": [],
      "website_url": "https://meettippy.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "二维码支付"
      ],
      "introduction": "Tippy 是一家传统收单/支付服务商，覆盖美国，支持二维码支付。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://meettippy.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "二维码支付",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-monese",
      "name": "Monese",
      "aliases": [],
      "website_url": "https://monese.com",
      "category": "regional",
      "region": "europe",
      "coverage": "德国 | 西班牙 | 法国 | 英国 | 意大利 | 葡萄牙 | 罗马尼亚",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Monese 是一家区域型支付服务商，覆盖德国、西班牙、法国、英国、意大利、葡萄牙等，支持订阅/周期扣款。公开费率：From free; Premium £14.95/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From free; Premium £14.95/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://monese.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "low-fees",
        "recurring-payments",
        "regional",
        "周期扣款",
        "德国",
        "意大利",
        "法国",
        "罗马尼亚",
        "英国",
        "葡萄牙",
        "西班牙",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-till-payments",
      "name": "Till Payments",
      "aliases": [],
      "website_url": "https://tillpayments.com",
      "category": "regional",
      "region": "oceania",
      "coverage": "澳大利亚 | 新西兰",
      "services": [
        "POS收单"
      ],
      "introduction": "Till Payments 是一家区域型支付服务商，覆盖澳大利亚、新西兰，支持POS收单。公开费率：Interchange-plus pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange-plus pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tillpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "oceania",
        "regional",
        "新西兰",
        "澳大利亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-xolla",
      "name": "Xolla",
      "aliases": [],
      "website_url": "https://xolla.com",
      "category": "gaming",
      "region": "asia, europe, north-america",
      "coverage": "塞浦路斯",
      "services": [
        "游戏内支付"
      ],
      "introduction": "Xolla 是一家游戏支付服务商，覆盖塞浦路斯，支持游戏内支付。公开费率：Revenue share model。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Revenue share model",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://xolla.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "europe",
        "gaming",
        "north-america",
        "virtual-items",
        "塞浦路斯",
        "游戏内支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-blackbaud",
      "name": "Blackbaud",
      "aliases": [],
      "website_url": "https://blackbaud.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 英国 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Blackbaud 是一家传统收单/支付服务商，覆盖澳大利亚、英国、美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：2–3个工作日。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://blackbaud.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "澳大利亚",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gate",
      "name": "Gate",
      "aliases": [],
      "website_url": "https://gate.com",
      "category": "crypto",
      "region": "africa, asia, europe, latin-america, middle-east, oceania, southeast-asia",
      "coverage": "阿联酋 | 阿根廷 | 奥地利 | 澳大利亚 | 比利时 | 保加利亚 | 巴西 | 瑞士 | 智利 | 哥伦比亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 中国香港 | 克罗地亚 | 匈牙利 | 印度尼西亚 | 爱尔兰 | 印度 | 意大利 | 日本 | 肯尼亚 | 韩国 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 墨西哥 | 马来西亚 | 尼日利亚 | 荷兰 | 挪威 | 新西兰 | 菲律宾 | 波兰 | 葡萄牙 | 罗马尼亚 | 沙特阿拉伯 | 瑞典 | 新加坡 | 斯洛文尼亚 | 斯洛伐克 | 泰国 | 土耳其 | 中国台湾 | 越南 | 南非",
      "services": [
        "加密货币"
      ],
      "introduction": "Gate 是一家加密货币支付服务商，覆盖阿联酋、阿根廷、奥地利、澳大利亚、比利时、保加利亚等，支持加密货币。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gate.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "latin-america",
        "middle-east",
        "oceania",
        "southeast-asia",
        "中国台湾",
        "中国香港",
        "保加利亚",
        "克罗地亚",
        "加密货币",
        "匈牙利",
        "南非",
        "卢森堡",
        "印度",
        "印度尼西亚",
        "哥伦比亚",
        "土耳其",
        "塞浦路斯",
        "墨西哥",
        "奥地利",
        "尼日利亚",
        "巴西",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "新加坡",
        "新西兰",
        "日本",
        "智利",
        "比利时",
        "沙特阿拉伯",
        "法国",
        "波兰",
        "泰国",
        "澳大利亚",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "立陶宛",
        "罗马尼亚",
        "肯尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "菲律宾",
        "葡萄牙",
        "西班牙",
        "越南",
        "阿根廷",
        "阿联酋",
        "韩国",
        "马来西亚",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nayapay",
      "name": "NayaPay",
      "aliases": [],
      "website_url": "https://nayapay.com",
      "category": "regional",
      "region": "asia",
      "coverage": "巴基斯坦",
      "services": [
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "NayaPay 是一家区域型支付服务商，覆盖巴基斯坦，支持电子钱包、二维码支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nayapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "二维码支付",
        "巴基斯坦",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymo",
      "name": "Paymo",
      "aliases": [],
      "website_url": "https://paymoapp.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Paymo 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymoapp.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rentpayment",
      "name": "RentPayment",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "RentPayment 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、信用卡/借记卡、银行转账。公开费率：From $3.95/payment。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $3.95/payment",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "美国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-touchnet",
      "name": "TouchNet",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "TouchNet 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dbs",
      "name": "DBS Bank",
      "aliases": [],
      "website_url": "https://dbs.com",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, oceania, southeast-asia",
      "coverage": "阿联酋 | 澳大利亚 | 中国 | 英国 | 中国香港 | 印度尼西亚 | 印度 | 日本 | 韩国 | 马来西亚 | 菲律宾 | 新加坡 | 泰国 | 中国台湾 | 美国 | 越南",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "DBS Bank 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、中国、英国、中国香港、印度尼西亚等，支持信用卡/借记卡。公开费率：定制(需询价) merchant-services pricing; bank-quoted MDR for card acceptance plus per-transaction fees for RAPID API and GIRO collections.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant-services pricing; bank-quoted MDR for card acceptance plus per-transaction fees for RAPID API and GIRO collections.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dbs.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国台湾",
        "中国香港",
        "信用卡",
        "借记卡",
        "印度",
        "印度尼西亚",
        "新加坡",
        "日本",
        "泰国",
        "澳大利亚",
        "美国",
        "英国",
        "菲律宾",
        "越南",
        "阿联酋",
        "韩国",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-netspend",
      "name": "NetSpend",
      "aliases": [],
      "website_url": "https://netspend.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "NetSpend 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡、现金/代金券。公开费率：Monthly 加 per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Monthly 加 per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://netspend.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "现金",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paynimo",
      "name": "Paynimo (TechProcess)",
      "aliases": [],
      "website_url": "https://paynimo.com",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Paynimo (TechProcess) 是一家区域型支付服务商，覆盖印度，支持信用卡/借记卡、电子钱包。公开费率：1.75-2%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.75-2%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paynimo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "印度",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vanco",
      "name": "Vanco",
      "aliases": [],
      "website_url": "https://vancopayments.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐"
      ],
      "introduction": "Vanco 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、捐赠/募捐。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vancopayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "募捐",
        "周期扣款",
        "捐赠",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bank-of-montreal",
      "name": "Bank of Montreal",
      "aliases": [],
      "website_url": "https://bmo.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "加拿大 | 英国 | 美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Bank of Montreal 是一家传统收单/支付服务商，覆盖加拿大、英国、美国，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bmo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "traditional",
        "出款",
        "加拿大",
        "美国",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-baselane",
      "name": "Baselane",
      "aliases": [],
      "website_url": "https://baselane.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "担保",
        "托管交易"
      ],
      "introduction": "Baselane 是一家传统收单/支付服务商，覆盖美国，支持即时出款、担保/托管交易。公开费率：Free for landlords。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：Free for landlords",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://baselane.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "north-america",
        "traditional",
        "即时出款",
        "托管交易",
        "担保",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moneyhub",
      "name": "Moneyhub",
      "aliases": [],
      "website_url": "https://moneyhub.com",
      "category": "baas, regional",
      "region": "europe",
      "coverage": "英国 | 斯洛文尼亚",
      "services": [
        "银行即服务(BaaS)",
        "订阅",
        "周期扣款"
      ],
      "introduction": "Moneyhub 是一家银行即服务(BaaS)服务商，覆盖英国、斯洛文尼亚，支持银行即服务(BaaS)、订阅/周期扣款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://moneyhub.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "regional",
        "周期扣款",
        "斯洛文尼亚",
        "英国",
        "订阅",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pipay",
      "name": "Pi Pay",
      "aliases": [],
      "website_url": "https://pipay.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "柬埔寨",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "Pi Pay 是一家区域型支付服务商，覆盖柬埔寨，支持即时出款、移动支付、二维码支付。公开费率：Free for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pipay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "二维码支付",
        "即时出款",
        "柬埔寨",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-relay-payments",
      "name": "Relay Payments",
      "aliases": [],
      "website_url": "https://relaypayments.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "现金",
        "代金券"
      ],
      "introduction": "Relay Payments 是一家传统收单/支付服务商，覆盖美国，支持即时出款、现金/代金券。公开费率：Transaction-based。结算：2–3个工作日。",
      "fee_note": "公开费率：Transaction-based",
      "settlement_note": "2–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://relaypayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "代金券",
        "即时出款",
        "现金",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-shopier",
      "name": "Shopier",
      "aliases": [],
      "website_url": "https://shopier.com",
      "category": "traditional",
      "region": "middle-east",
      "coverage": "土耳其",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Shopier 是一家传统收单/支付服务商，覆盖土耳其，支持信用卡/借记卡。公开费率：2.6% 加 ₺0.50 for standard processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.6% 加 ₺0.50 for standard processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://shopier.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "traditional",
        "信用卡",
        "借记卡",
        "土耳其"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zip-business",
      "name": "Zip Business",
      "aliases": [],
      "website_url": "https://zipbusiness.com",
      "category": "traditional",
      "region": "north-america, oceania",
      "coverage": "澳大利亚 | 美国",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "Zip Business 是一家传统收单/支付服务商，覆盖澳大利亚、美国，支持账单/发票支付。公开费率：定制(需询价) B2B pricing。结算：下一个工作日。",
      "fee_note": "公开费率：定制(需询价) B2B pricing",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zipbusiness.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "oceania",
        "traditional",
        "发票支付",
        "澳大利亚",
        "美国",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ncino",
      "name": "nCino",
      "aliases": [],
      "website_url": "https://ncino.com",
      "category": "baas",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 英国 | 日本 | 美国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "nCino 是一家银行即服务(BaaS)服务商，覆盖澳大利亚、英国、日本、美国，支持银行即服务(BaaS)。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ncino.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "north-america",
        "oceania",
        "日本",
        "澳大利亚",
        "美国",
        "英国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pagonxt",
      "name": "PagoNxt (Santander)",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, latin-america",
      "coverage": "阿根廷 | 巴西 | 智利 | 西班牙 | 墨西哥 | 葡萄牙",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "PagoNxt (Santander) 是一家传统收单/支付服务商，覆盖阿根廷、巴西、智利、西班牙、墨西哥、葡萄牙，支持跨境汇款/出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "latin-america",
        "traditional",
        "出款",
        "墨西哥",
        "巴西",
        "智利",
        "葡萄牙",
        "西班牙",
        "跨境汇款",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-parkmobile",
      "name": "ParkMobile",
      "aliases": [],
      "website_url": "https://parkmobile.io",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "ParkMobile 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Small convenience fee 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Small convenience fee 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://parkmobile.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payout-systems",
      "name": "Payout Systems",
      "aliases": [],
      "website_url": "https://payoutsystems.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "银行转账",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Payout Systems 是一家传统收单/支付服务商，覆盖全球，支持银行转账、电子钱包、跨境汇款/出款。公开费率：Per-payout。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-payout",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payoutsystems.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "全球",
        "出款",
        "电子钱包",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-uplift",
      "name": "Uplift",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Uplift 是一家传统收单/支付服务商，覆盖美国，支持先买后付(BNPL)。公开费率：Merchant fees vary。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees vary",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "traditional",
        "先买后付(BNPL)",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vertex-tax",
      "name": "Vertex",
      "aliases": [],
      "website_url": "https://vertexinc.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Vertex 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vertexinc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kiwipay-vietnam",
      "name": "KiwiPay",
      "aliases": [],
      "website_url": "https://kiwipay.vn",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "越南",
      "services": [
        "银行转账"
      ],
      "introduction": "KiwiPay 是一家区域型支付服务商，覆盖越南，支持银行转账。公开费率：2-3.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2-3.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kiwipay.vn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "越南",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-onafriq",
      "name": "Onafriq",
      "aliases": [],
      "website_url": "https://onafriq.com",
      "category": "regional",
      "region": "africa",
      "coverage": "全球",
      "services": [
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Onafriq 是一家区域型支付服务商，覆盖全球，支持移动支付、跨境汇款/出款。公开费率：0.5-2% depending on service。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.5-2% depending on service",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://onafriq.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "全球",
        "出款",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-remitano",
      "name": "Remitano",
      "aliases": [],
      "website_url": "https://remitano.com",
      "category": "crypto",
      "region": "africa, asia, southeast-asia",
      "coverage": "澳大利亚 | 柬埔寨 | 马来西亚 | 尼日利亚 | 越南",
      "services": [
        "加密货币"
      ],
      "introduction": "Remitano 是一家加密货币支付服务商，覆盖澳大利亚、柬埔寨、马来西亚、尼日利亚、越南，支持加密货币。公开费率：1% escrow fee。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1% escrow fee",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://remitano.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "high-risk-accepted",
        "southeast-asia",
        "加密货币",
        "尼日利亚",
        "柬埔寨",
        "澳大利亚",
        "越南",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sasapay",
      "name": "Sasapay",
      "aliases": [],
      "website_url": "https://sasapay.co.ke",
      "category": "regional",
      "region": "africa",
      "coverage": "肯尼亚",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Sasapay 是一家区域型支付服务商，覆盖肯尼亚，支持即时出款、跨境汇款/出款。公开费率：单笔从0.5%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从0.5%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sasapay.co.ke",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "instant-sandbox",
        "regional",
        "startup-friendly",
        "出款",
        "即时出款",
        "肯尼亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zone-africa",
      "name": "Zone",
      "aliases": [],
      "website_url": "https://zone.co",
      "category": "regional",
      "region": "africa",
      "coverage": "肯尼亚 | 尼日利亚 | 南非",
      "services": [
        "即时出款"
      ],
      "introduction": "Zone 是一家区域型支付服务商，覆盖肯尼亚、尼日利亚、南非，支持即时出款。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zone.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "南非",
        "即时出款",
        "尼日利亚",
        "肯尼亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-atob",
      "name": "AtoB",
      "aliases": [],
      "website_url": "https://atob.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "AtoB 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：No fees; discount on fuel。结算：即时。",
      "fee_note": "公开费率：No fees; discount on fuel",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://atob.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-au-pay",
      "name": "au PAY",
      "aliases": [],
      "website_url": "https://aupay.auone.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "移动支付",
        "二维码支付"
      ],
      "introduction": "au PAY 是一家区域型支付服务商，覆盖日本，支持移动支付、二维码支付。公开费率：单笔从2.6%起 for merchants。结算：需向服务商确认（公开信息：30 business days）。",
      "fee_note": "公开费率：单笔从2.6%起 for merchants",
      "settlement_note": "需向服务商确认（公开信息：30 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://aupay.auone.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "二维码支付",
        "日本",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lenco",
      "name": "Lenco",
      "aliases": [],
      "website_url": "https://lenco.co",
      "category": "regional",
      "region": "africa",
      "coverage": "尼日利亚",
      "services": [
        "信用卡",
        "借记卡",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Lenco 是一家区域型支付服务商，覆盖尼日利亚，支持信用卡/借记卡、跨境汇款/出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lenco.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "出款",
        "尼日利亚",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-micash-png",
      "name": "MiCash PNG",
      "aliases": [],
      "website_url": "https://ndb.com.pg",
      "category": "regional",
      "region": "oceania",
      "coverage": "巴布亚新几内亚",
      "services": [
        "电子钱包",
        "移动支付"
      ],
      "introduction": "MiCash PNG 是一家区域型支付服务商，覆盖巴布亚新几内亚，支持电子钱包、移动支付。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ndb.com.pg",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "oceania",
        "regional",
        "巴布亚新几内亚",
        "电子钱包",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pay-quik",
      "name": "Pay Quik",
      "aliases": [],
      "website_url": "https://pay-quik.co.uk",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "银行转账",
        "电子钱包",
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Pay Quik 是一家区域型支付服务商，覆盖英国，支持银行转账、电子钱包、现金/代金券、跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pay-quik.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "代金券",
        "出款",
        "现金",
        "电子钱包",
        "英国",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-premier-payment-solutions",
      "name": "Premier Payment Solutions (PPS Money)",
      "aliases": [],
      "website_url": "https://pps-money.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "Premier Payment Solutions (PPS Money) 是一家区域型支付服务商，覆盖英国，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pps-money.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "出款",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sage-intacct",
      "name": "Sage Intacct",
      "aliases": [],
      "website_url": "https://sage.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "澳大利亚 | 英国 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Sage Intacct 是一家传统收单/支付服务商，覆盖澳大利亚、英国、美国，支持订阅/周期扣款。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sage.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "澳大利亚",
        "美国",
        "英国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pasmo",
      "name": "PASMO",
      "aliases": [],
      "website_url": "https://pasmo.co.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "PASMO 是一家区域型支付服务商，覆盖日本，支持信用卡/借记卡。公开费率：Low merchant fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low merchant fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pasmo.co.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "日本"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paylocity",
      "name": "Paylocity",
      "aliases": [],
      "website_url": "https://paylocity.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Paylocity 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) per-employee pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) per-employee pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paylocity.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paymennt",
      "name": "Paymennt",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋 | 巴林 | 卡塔尔 | 沙特阿拉伯",
      "services": [
        "二维码支付"
      ],
      "introduction": "Paymennt 是一家区域型支付服务商，覆盖阿联酋、巴林、卡塔尔、沙特阿拉伯，支持二维码支付。公开费率：单笔从2.25%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从2.25%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "regional",
        "startup-friendly",
        "二维码支付",
        "卡塔尔",
        "巴林",
        "沙特阿拉伯",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-prex-uruguay",
      "name": "Prex Uruguay",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "latin-america",
      "coverage": "乌拉圭",
      "services": [
        "电子钱包",
        "现金",
        "代金券"
      ],
      "introduction": "Prex Uruguay 是一家区域型支付服务商，覆盖乌拉圭，支持电子钱包、现金/代金券。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "startup-friendly",
        "乌拉圭",
        "代金券",
        "现金",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sepa-instant",
      "name": "SEPA Instant Credit Transfer",
      "aliases": [],
      "website_url": "https://europeanpaymentscouncil.eu",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 德国 | 西班牙 | 芬兰 | 法国 | 爱尔兰 | 意大利 | 荷兰 | 葡萄牙",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "SEPA Instant Credit Transfer 是一家传统收单/支付服务商，覆盖奥地利、比利时、德国、西班牙、芬兰、法国等，支持即时出款、银行转账。公开费率：Low per-transaction fees。结算：即时。",
      "fee_note": "公开费率：Low per-transaction fees",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://europeanpaymentscouncil.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "traditional",
        "即时出款",
        "奥地利",
        "德国",
        "意大利",
        "比利时",
        "法国",
        "爱尔兰",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paxful",
      "name": "Paxful",
      "aliases": [],
      "website_url": "https://paxful.com",
      "category": "crypto",
      "region": "africa, asia, latin-america, north-america",
      "coverage": "巴西 | 印度 | 肯尼亚 | 尼日利亚 | 美国",
      "services": [
        "加密货币"
      ],
      "introduction": "Paxful 是一家加密货币支付服务商，覆盖巴西、印度、肯尼亚、尼日利亚、美国，支持加密货币。公开费率：Seller pays 1% escrow。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Seller pays 1% escrow",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paxful.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "high-risk-accepted",
        "latin-america",
        "north-america",
        "加密货币",
        "印度",
        "尼日利亚",
        "巴西",
        "美国",
        "肯尼亚"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paylib",
      "name": "Paylib",
      "aliases": [],
      "website_url": "https://paylib.fr",
      "category": "regional",
      "region": "europe",
      "coverage": "法国",
      "services": [
        "即时出款",
        "电子钱包"
      ],
      "introduction": "Paylib 是一家区域型支付服务商，覆盖法国，支持即时出款、电子钱包。公开费率：Free for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paylib.fr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "即时出款",
        "法国",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payu-bangladesh",
      "name": "PayU Bangladesh",
      "aliases": [],
      "website_url": "https://payu.com.bd",
      "category": "regional",
      "region": "asia",
      "coverage": "孟加拉国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "PayU Bangladesh 是一家区域型支付服务商，覆盖孟加拉国，支持信用卡/借记卡、银行转账。公开费率：2-2.5%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2-2.5%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payu.com.bd",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "孟加拉国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-resolve-pay",
      "name": "Resolve",
      "aliases": [],
      "website_url": "https://resolvepay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Resolve 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://resolvepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tabapay",
      "name": "Tabapay",
      "aliases": [],
      "website_url": "https://tabapay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Tabapay 是一家传统收单/支付服务商，覆盖美国，支持即时出款、跨境汇款/出款。公开费率：Per-transaction pricing。结算：即时。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tabapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "出款",
        "即时出款",
        "美国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tigerpay",
      "name": "TigerPay",
      "aliases": [],
      "website_url": "https://tigerpay.com",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "加密货币",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "TigerPay 是一家区域型支付服务商，覆盖日本，支持加密货币、银行转账、电子钱包。公开费率：单笔从2%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从2%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tigerpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "crypto-support",
        "regional",
        "加密货币",
        "日本",
        "电子钱包",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-genie-lk",
      "name": "Genie (Dialog)",
      "aliases": [],
      "website_url": "https://geniemobile.lk",
      "category": "regional",
      "region": "asia",
      "coverage": "斯里兰卡",
      "services": [
        "即时出款",
        "电子钱包",
        "移动支付"
      ],
      "introduction": "Genie (Dialog) 是一家区域型支付服务商，覆盖斯里兰卡，支持即时出款、电子钱包、移动支付。公开费率：Low transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://geniemobile.lk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "即时出款",
        "斯里兰卡",
        "电子钱包",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jd-pay",
      "name": "JD Pay",
      "aliases": [],
      "website_url": "https://pay.jd.com",
      "category": "traditional",
      "region": "asia",
      "coverage": "中国",
      "services": [
        "电子钱包",
        "移动支付"
      ],
      "introduction": "JD Pay 是一家传统收单/支付服务商，覆盖中国，支持电子钱包、移动支付。公开费率：0.5-1.5% for platform transactions。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.5-1.5% for platform transactions",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pay.jd.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "traditional",
        "中国",
        "电子钱包",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-monoova",
      "name": "Monoova",
      "aliases": [],
      "website_url": "https://monoova.com",
      "category": "regional",
      "region": "oceania",
      "coverage": "澳大利亚",
      "services": [
        "即时出款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Monoova 是一家区域型支付服务商，覆盖澳大利亚，支持即时出款、信用卡/借记卡、银行转账。公开费率：Per-transaction pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://monoova.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "oceania",
        "regional",
        "信用卡",
        "借记卡",
        "即时出款",
        "澳大利亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-naps-qatar",
      "name": "NAPS Qatar",
      "aliases": [],
      "website_url": "https://naps.com.qa",
      "category": "regional",
      "region": "middle-east",
      "coverage": "卡塔尔",
      "services": [
        "POS收单"
      ],
      "introduction": "NAPS Qatar 是一家区域型支付服务商，覆盖卡塔尔，支持POS收单。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://naps.com.qa",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "middle-east",
        "regional",
        "卡塔尔"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-travelport",
      "name": "Travelport",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "英国 | 新加坡 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Travelport 是一家传统收单/支付服务商，覆盖英国、新加坡、美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "新加坡",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gemini",
      "name": "Gemini",
      "aliases": [],
      "website_url": "https://gemini.com",
      "category": "crypto",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "加密货币"
      ],
      "introduction": "Gemini 是一家加密货币支付服务商，覆盖美国，支持加密货币。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gemini.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "north-america",
        "加密货币",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-keenu-pk",
      "name": "Keenu (Pakistan)",
      "aliases": [],
      "website_url": "https://keenu.pk",
      "category": "regional",
      "region": "asia",
      "coverage": "巴基斯坦",
      "services": [
        "二维码支付",
        "POS收单"
      ],
      "introduction": "Keenu (Pakistan) 是一家区域型支付服务商，覆盖巴基斯坦，支持二维码支付、POS收单。公开费率：2.5% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://keenu.pk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "二维码支付",
        "巴基斯坦"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nextpay-iran",
      "name": "NextPay Iran",
      "aliases": [],
      "website_url": "https://nextpay.ir",
      "category": "regional",
      "region": "middle-east",
      "coverage": "伊朗",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "NextPay Iran 是一家区域型支付服务商，覆盖伊朗，支持信用卡/借记卡。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nextpay.ir",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "regional",
        "startup-friendly",
        "伊朗",
        "信用卡",
        "借记卡"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payconiq-intl",
      "name": "Payconiq International",
      "aliases": [],
      "website_url": "https://payconiq.com",
      "category": "regional",
      "region": "europe",
      "coverage": "比利时 | 卢森堡 | 荷兰",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "Payconiq International 是一家区域型支付服务商，覆盖比利时、卢森堡、荷兰，支持即时出款、移动支付、二维码支付。公开费率：Merchant subscription 加 per-tx。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant subscription 加 per-tx",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payconiq.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "二维码支付",
        "卢森堡",
        "即时出款",
        "比利时",
        "移动支付",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sitef",
      "name": "SiTef (Software Express)",
      "aliases": [],
      "website_url": "https://softwareexpress.com.br",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西",
      "services": [
        "POS收单"
      ],
      "introduction": "SiTef (Software Express) 是一家区域型支付服务商，覆盖巴西，支持POS收单。公开费率：Licensing fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Licensing fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://softwareexpress.com.br",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "巴西"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sovos",
      "name": "Sovos",
      "aliases": [],
      "website_url": "https://sovos.com",
      "category": "traditional",
      "region": "europe, latin-america, north-america",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sovos 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sovos.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ultima",
      "name": "Ultima Payments",
      "aliases": [],
      "website_url": "https://ultimapayments.com",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 德国 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Ultima Payments 是一家区域型支付服务商，覆盖奥地利、德国、斯洛伐克，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ultimapayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "奥地利",
        "德国",
        "斯洛伐克"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zola-suite-payments",
      "name": "Zola Suite Payments",
      "aliases": [],
      "website_url": "https://zolasuite.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Zola Suite Payments 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、信用卡/借记卡、银行转账。公开费率：2.9% 加 $0.30。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.9% 加 $0.30",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zolasuite.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "信用卡",
        "借记卡",
        "周期扣款",
        "美国",
        "订阅",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-navro",
      "name": "Navro",
      "aliases": [],
      "website_url": "https://navro.com",
      "category": "baas, traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "澳大利亚 | 巴西 | 加拿大 | 德国 | 西班牙 | 法国 | 英国 | 中国香港 | 爱尔兰 | 印度 | 意大利 | 日本 | 立陶宛 | 墨西哥 | 荷兰 | 波兰 | 新加坡 | 美国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Navro 是一家银行即服务(BaaS)服务商，覆盖澳大利亚、巴西、加拿大、德国、西班牙、法国等，支持银行即服务(BaaS)。公开费率：定制(需询价) enterprise pricing — sales-led, no public rate card; per-transaction and FX fees negotiated per contract.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing — sales-led, no public rate card; per-transaction and FX fees negotiated per contract.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://navro.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "baas",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "中国香港",
        "加拿大",
        "印度",
        "墨西哥",
        "巴西",
        "德国",
        "意大利",
        "新加坡",
        "日本",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "立陶宛",
        "美国",
        "英国",
        "荷兰",
        "西班牙",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payco",
      "name": "PAYCO",
      "aliases": [],
      "website_url": "https://payco.com",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "即时出款",
        "电子钱包"
      ],
      "introduction": "PAYCO 是一家区域型支付服务商，覆盖韩国，支持即时出款、电子钱包。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payco.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "即时出款",
        "电子钱包",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payeezy",
      "name": "Payeezy (Fiserv)",
      "aliases": [],
      "website_url": "https://developer.payeezy.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Payeezy (Fiserv) 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：2.7% 加 $0.30。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.7% 加 $0.30",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://developer.payeezy.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-scratchpay",
      "name": "Scratchpay",
      "aliases": [],
      "website_url": "https://scratchpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Scratchpay 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://scratchpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kueski-pay",
      "name": "Kueski Pay",
      "aliases": [],
      "website_url": "https://kueski.com",
      "category": "traditional",
      "region": "latin-america",
      "coverage": "墨西哥",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Kueski Pay 是一家传统收单/支付服务商，覆盖墨西哥，支持先买后付(BNPL)。公开费率：3-4% for BNPL transactions。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：3-4% for BNPL transactions",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kueski.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "traditional",
        "先买后付(BNPL)",
        "墨西哥"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pagofacil-ar",
      "name": "Pago Fácil",
      "aliases": [],
      "website_url": "https://pagofacil.com.ar",
      "category": "regional",
      "region": "latin-america",
      "coverage": "阿根廷",
      "services": [
        "账单",
        "发票支付",
        "现金",
        "代金券"
      ],
      "introduction": "Pago Fácil 是一家区域型支付服务商，覆盖阿根廷，支持账单/发票支付、现金/代金券。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pagofacil.com.ar",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "regional",
        "代金券",
        "发票支付",
        "现金",
        "账单",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-persona-kyc",
      "name": "Persona",
      "aliases": [],
      "website_url": "https://withpersona.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Persona 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Per-verification pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-verification pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://withpersona.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "instant-sandbox",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pluxee",
      "name": "Pluxee",
      "aliases": [],
      "website_url": "https://pluxee.com",
      "category": "traditional",
      "region": "asia, europe, latin-america",
      "coverage": "巴西 | 捷克 | 法国 | 印度 | 罗马尼亚 | 土耳其",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "Pluxee 是一家传统收单/支付服务商，覆盖巴西、捷克、法国、印度、罗马尼亚、土耳其，支持信用卡/借记卡、现金/代金券。公开费率：Commission-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Commission-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pluxee.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "印度",
        "土耳其",
        "巴西",
        "捷克",
        "法国",
        "现金",
        "罗马尼亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-thredd",
      "name": "Thredd",
      "aliases": [],
      "website_url": "https://thredd.com",
      "category": "baas",
      "region": "asia, europe, north-america",
      "coverage": "英国 | 新加坡 | 美国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Thredd 是一家银行即服务(BaaS)服务商，覆盖英国、新加坡、美国，支持银行即服务(BaaS)。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://thredd.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "baas",
        "enterprise",
        "europe",
        "north-america",
        "新加坡",
        "美国",
        "英国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-uzcard",
      "name": "UzCard",
      "aliases": [],
      "website_url": "https://uzcard.uz",
      "category": "regional",
      "region": "asia",
      "coverage": "乌兹别克斯坦",
      "services": [
        "信用卡",
        "借记卡",
        "POS收单"
      ],
      "introduction": "UzCard 是一家区域型支付服务商，覆盖乌兹别克斯坦，支持信用卡/借记卡、POS收单。公开费率：Low per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://uzcard.uz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "乌兹别克斯坦",
        "信用卡",
        "借记卡"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kindtap",
      "name": "KindTap",
      "aliases": [],
      "website_url": "https://kindtap.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "KindTap 是一家高风险行业支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kindtap.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lago",
      "name": "Lago",
      "aliases": [],
      "website_url": "https://getlago.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "法国 | 美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Lago 是一家传统收单/支付服务商，覆盖法国、美国，支持订阅/周期扣款。公开费率：Free open-source; Cloud from $300/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free open-source; Cloud from $300/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://getlago.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "法国",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-taptapsend",
      "name": "Taptap Send",
      "aliases": [],
      "website_url": "https://taptapsend.com",
      "category": "regional",
      "region": "africa, asia, europe, north-america",
      "coverage": "比利时 | 法国 | 英国 | 美国",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Taptap Send 是一家区域型支付服务商，覆盖比利时、法国、英国、美国，支持即时出款、跨境汇款/出款。公开费率：Zero fees; FX margin only。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Zero fees; FX margin only",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://taptapsend.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "instant-payout",
        "low-fees",
        "north-america",
        "regional",
        "出款",
        "即时出款",
        "比利时",
        "法国",
        "美国",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-planet-global",
      "name": "Planet (formerly Planet Payment)",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, middle-east, north-america",
      "coverage": "阿联酋 | 德国 | 法国 | 英国 | 爱尔兰 | 日本 | 美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Planet (formerly Planet Payment) 是一家传统收单/支付服务商，覆盖阿联酋、德国、法国、英国、爱尔兰、日本等，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "middle-east",
        "north-america",
        "traditional",
        "德国",
        "日本",
        "法国",
        "爱尔兰",
        "美国",
        "英国",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-smile-identity",
      "name": "Smile Identity",
      "aliases": [],
      "website_url": "https://smileidentity.com",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳 | 肯尼亚 | 尼日利亚 | 乌干达 | 南非",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Smile Identity 是一家区域型支付服务商，覆盖加纳、肯尼亚、尼日利亚、乌干达、南非，支持信用卡/借记卡。公开费率：Per-verification pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-verification pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://smileidentity.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "regional",
        "乌干达",
        "信用卡",
        "借记卡",
        "加纳",
        "南非",
        "尼日利亚",
        "肯尼亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wealthsimple",
      "name": "Wealthsimple",
      "aliases": [],
      "website_url": "https://wealthsimple.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "全球",
      "services": [
        "加密货币"
      ],
      "introduction": "Wealthsimple 是一家传统收单/支付服务商，覆盖全球，支持加密货币。公开费率：0.4-0.5% management fee。结算：下一个工作日。",
      "fee_note": "公开费率：0.4-0.5% management fee",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wealthsimple.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "low-fees",
        "north-america",
        "traditional",
        "全球",
        "加密货币"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-boost-my",
      "name": "Boost (Malaysia)",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "马来西亚",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "Boost (Malaysia) 是一家区域型支付服务商，覆盖马来西亚，支持即时出款、电子钱包、二维码支付。公开费率：Merchant fees 单笔从1%起。结算：下一个工作日。",
      "fee_note": "公开费率：Merchant fees 单笔从1%起",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "regional",
        "southeast-asia",
        "startup-friendly",
        "二维码支付",
        "即时出款",
        "电子钱包",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-plooto",
      "name": "Plooto",
      "aliases": [],
      "website_url": "https://plooto.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "银行转账",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Plooto 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、银行转账、跨境汇款/出款。公开费率：From $25/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $25/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://plooto.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "出款",
        "周期扣款",
        "美国",
        "订阅",
        "跨境汇款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-newland-payment",
      "name": "Newland Payment Technology",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "POS收单"
      ],
      "introduction": "Newland Payment Technology 是一家传统收单/支付服务商，覆盖全球，支持POS收单。公开费率：Hardware pricing 视情况而定。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Hardware pricing 视情况而定",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wagestream",
      "name": "Wagestream",
      "aliases": [],
      "website_url": "https://wagestream.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "澳大利亚 | 英国 | 美国",
      "services": [
        "即时出款"
      ],
      "introduction": "Wagestream 是一家传统收单/支付服务商，覆盖澳大利亚、英国、美国，支持即时出款。公开费率：Employer-funded。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Employer-funded",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wagestream.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "traditional",
        "即时出款",
        "澳大利亚",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-katapult",
      "name": "Katapult",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "先买后付(BNPL)"
      ],
      "introduction": "Katapult 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、先买后付(BNPL)。公开费率：定制(需询价) merchant pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "先买后付(BNPL)",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kubra",
      "name": "KUBRA",
      "aliases": [],
      "website_url": "https://kubra.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "KUBRA 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) enterprise pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) enterprise pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kubra.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pawapay",
      "name": "pawaPay",
      "aliases": [],
      "website_url": "https://pawapay.io",
      "category": "regional",
      "region": "africa",
      "coverage": "全球",
      "services": [
        "移动支付"
      ],
      "introduction": "pawaPay 是一家区域型支付服务商，覆盖全球，支持移动支付。公开费率：视情况而定 by operator and country; typically 1-3%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：视情况而定 by operator and country; typically 1-3%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pawapay.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "全球",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payu-czech",
      "name": "PayU Czech Republic",
      "aliases": [],
      "website_url": "https://payu.cz",
      "category": "regional",
      "region": "europe",
      "coverage": "捷克",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "PayU Czech Republic 是一家区域型支付服务商，覆盖捷克，支持信用卡/借记卡、银行转账。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payu.cz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "捷克",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-safetypay",
      "name": "SafetyPay",
      "aliases": [],
      "website_url": "https://safetypay.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴西 | 哥伦比亚 | 哥斯达黎加 | 厄瓜多尔 | 危地马拉 | 墨西哥 | 尼加拉瓜 | 巴拿马 | 秘鲁",
      "services": [
        "银行转账",
        "现金",
        "代金券"
      ],
      "introduction": "SafetyPay 是一家区域型支付服务商，覆盖巴西、哥伦比亚、哥斯达黎加、厄瓜多尔、危地马拉、墨西哥等，支持银行转账、现金/代金券。公开费率：2%–4% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2%–4% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://safetypay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "代金券",
        "危地马拉",
        "厄瓜多尔",
        "哥伦比亚",
        "哥斯达黎加",
        "墨西哥",
        "尼加拉瓜",
        "巴拿马",
        "巴西",
        "现金",
        "秘鲁",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-simpl",
      "name": "Simpl",
      "aliases": [],
      "website_url": "https://getsimpl.com",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "即时出款"
      ],
      "introduction": "Simpl 是一家区域型支付服务商，覆盖印度，支持即时出款。公开费率：Merchant fees apply。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees apply",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://getsimpl.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "印度",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-versapay",
      "name": "Versapay",
      "aliases": [],
      "website_url": "https://versapay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Versapay 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://versapay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-preczn",
      "name": "Preczn",
      "aliases": [],
      "website_url": "https://preczn.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Preczn 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://preczn.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-sandbox",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kakaopay-securities",
      "name": "KakaoPay Securities",
      "aliases": [],
      "website_url": "https://kakaopaysec.com",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "KakaoPay Securities 是一家区域型支付服务商，覆盖韩国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kakaopaysec.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "信用卡",
        "借记卡",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-merchant-one",
      "name": "Merchant One",
      "aliases": [],
      "website_url": "https://merchantone.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "移动支付",
        "POS收单"
      ],
      "introduction": "Merchant One 是一家传统收单/支付服务商，覆盖美国，支持移动支付、POS收单。公开费率：0.29%–1.99% 单笔。结算：下一个工作日。",
      "fee_note": "公开费率：0.29%–1.99% 单笔",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://merchantone.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "移动支付",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-novatti",
      "name": "Novatti",
      "aliases": [],
      "website_url": "https://novatti.com",
      "category": "regional",
      "region": "asia, oceania",
      "coverage": "澳大利亚 | 新西兰 | 新加坡",
      "services": [
        "电子钱包"
      ],
      "introduction": "Novatti 是一家区域型支付服务商，覆盖澳大利亚、新西兰、新加坡，支持电子钱包。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://novatti.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "oceania",
        "regional",
        "新加坡",
        "新西兰",
        "澳大利亚",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pax8-payments",
      "name": "Pax8 Payments",
      "aliases": [],
      "website_url": "https://pax8.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Pax8 Payments 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pax8.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payat-za",
      "name": "PayAt",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "africa",
      "coverage": "博茨瓦纳 | 纳米比亚 | 南非 | 津巴布韦",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "PayAt 是一家区域型支付服务商，覆盖博茨瓦纳、纳米比亚、南非、津巴布韦，支持现金/代金券。公开费率：Per-transaction pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "startup-friendly",
        "代金券",
        "南非",
        "博茨瓦纳",
        "津巴布韦",
        "现金",
        "纳米比亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sunbit",
      "name": "Sunbit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Sunbit 是一家传统收单/支付服务商，覆盖美国，支持先买后付(BNPL)。公开费率：Merchant fees vary。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees vary",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "traditional",
        "先买后付(BNPL)",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-universe-payments",
      "name": "Universe Payments",
      "aliases": [],
      "website_url": "https://universe.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Universe Payments 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：2.5% 加 $0.99 per ticket。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5% 加 $0.99 per ticket",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://universe.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cardlink",
      "name": "Cardlink (Greece)",
      "aliases": [],
      "website_url": "https://cardlink.gr",
      "category": "regional",
      "region": "europe",
      "coverage": "希腊",
      "services": [
        "POS收单"
      ],
      "introduction": "Cardlink (Greece) 是一家区域型支付服务商，覆盖希腊，支持POS收单。公开费率：Per-terminal 加 transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-terminal 加 transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cardlink.gr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "希腊"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hbl-pay-pakistan",
      "name": "HBL Pay Pakistan",
      "aliases": [],
      "website_url": "https://hbl.com",
      "category": "regional",
      "region": "asia",
      "coverage": "巴基斯坦",
      "services": [
        "移动支付"
      ],
      "introduction": "HBL Pay Pakistan 是一家区域型支付服务商，覆盖巴基斯坦，支持移动支付。公开费率：Low fees。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hbl.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "巴基斯坦",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jio-pay",
      "name": "Jio Financial Services",
      "aliases": [],
      "website_url": "https://jio.com",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Jio Financial Services 是一家区域型支付服务商，覆盖印度，支持信用卡/借记卡。公开费率：Free for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://jio.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "印度"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rabobank-ideal",
      "name": "Rabobank iDEAL",
      "aliases": [],
      "website_url": "https://rabobank.nl",
      "category": "regional",
      "region": "europe",
      "coverage": "荷兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Rabobank iDEAL 是一家区域型支付服务商，覆盖荷兰，支持信用卡/借记卡。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://rabobank.nl",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rocket-dbbl-bangladesh",
      "name": "Rocket (DBBL)",
      "aliases": [],
      "website_url": "https://dutchbanglabank.com",
      "category": "regional",
      "region": "asia",
      "coverage": "孟加拉国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Rocket (DBBL) 是一家区域型支付服务商，覆盖孟加拉国，支持信用卡/借记卡。公开费率：Tiered fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Tiered fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dutchbanglabank.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "孟加拉国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-snap-finance",
      "name": "Snap Finance",
      "aliases": [],
      "website_url": "https://snapfinance.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "先买后付(BNPL)"
      ],
      "introduction": "Snap Finance 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、先买后付(BNPL)。公开费率：定制(需询价) merchant pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://snapfinance.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "先买后付(BNPL)",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-icoca-jr-west",
      "name": "ICOCA (JR West)",
      "aliases": [],
      "website_url": "https://westjr.co.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "ICOCA (JR West) 是一家区域型支付服务商，覆盖日本，支持信用卡/借记卡。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://westjr.co.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "日本"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paybox-pk",
      "name": "Paybox (Pakistan)",
      "aliases": [],
      "website_url": "https://paybox.pk",
      "category": "regional",
      "region": "asia",
      "coverage": "巴基斯坦",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Paybox (Pakistan) 是一家区域型支付服务商，覆盖巴基斯坦，支持信用卡/借记卡、银行转账。公开费率：2%–3.5% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2%–3.5% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paybox.pk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "巴基斯坦",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-robot-payment",
      "name": "Robot Payment",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "订阅",
        "周期扣款",
        "账单",
        "发票支付"
      ],
      "introduction": "Robot Payment 是一家区域型支付服务商，覆盖日本，支持订阅/周期扣款、账单/发票支付。公开费率：3.2% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：3.2% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "发票支付",
        "周期扣款",
        "日本",
        "订阅",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-soarpay",
      "name": "SoarPay",
      "aliases": [],
      "website_url": "https://soarpay.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "SoarPay 是一家高风险行业支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://soarpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tuition-io",
      "name": "Tuition.io (Wiley)",
      "aliases": [],
      "website_url": "https://tuition.io",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Tuition.io (Wiley) 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Platform subscription。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Platform subscription",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tuition.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-amp-bank",
      "name": "AMP Bank",
      "aliases": [],
      "website_url": "https://amp.com.au",
      "category": "regional, traditional",
      "region": "oceania",
      "coverage": "澳大利亚",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "AMP Bank 是一家区域型支付服务商，覆盖澳大利亚，支持信用卡/借记卡、银行转账。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://amp.com.au",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "oceania",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "澳大利亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-snapscan",
      "name": "SnapScan",
      "aliases": [],
      "website_url": "https://snapscan.co.za",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "SnapScan 是一家区域型支付服务商，覆盖南非，支持即时出款、移动支付、二维码支付。公开费率：Low merchant fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low merchant fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://snapscan.co.za",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "南非",
        "即时出款",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-verse",
      "name": "Verse",
      "aliases": [],
      "website_url": "https://verse.me",
      "category": "regional",
      "region": "europe",
      "coverage": "西班牙 | 法国 | 希腊 | 意大利 | 葡萄牙",
      "services": [
        "即时出款",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Verse 是一家区域型支付服务商，覆盖西班牙、法国、希腊、意大利、葡萄牙，支持即时出款、移动支付、跨境汇款/出款。公开费率：Free for P2P transfers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for P2P transfers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://verse.me",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "出款",
        "即时出款",
        "希腊",
        "意大利",
        "法国",
        "移动支付",
        "葡萄牙",
        "西班牙",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-capital-guardians",
      "name": "Capital Guardians",
      "aliases": [],
      "website_url": "https://capitalguardians.com",
      "category": "regional",
      "region": "oceania",
      "coverage": "澳大利亚 | 新西兰",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "Capital Guardians 是一家区域型支付服务商，覆盖澳大利亚、新西兰，支持账单/发票支付。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://capitalguardians.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "oceania",
        "regional",
        "发票支付",
        "新西兰",
        "澳大利亚",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-national-processing",
      "name": "National Processing",
      "aliases": [],
      "website_url": "https://nationalprocessing.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "National Processing 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Interchange-plus 单笔从0.18%起。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange-plus 单笔从0.18%起",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://nationalprocessing.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paychex",
      "name": "Paychex",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Paychex 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payed",
      "name": "Payed",
      "aliases": [],
      "website_url": "https://payed.co",
      "category": "high-risk",
      "region": "europe",
      "coverage": "塞浦路斯 | 英国",
      "services": [
        "加密货币"
      ],
      "introduction": "Payed 是一家高风险行业支付服务商，覆盖塞浦路斯、英国，支持加密货币。公开费率：3%–7% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：3%–7% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payed.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto-support",
        "enterprise",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "加密货币",
        "塞浦路斯",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payme-il",
      "name": "PayMe (Israel)",
      "aliases": [],
      "website_url": "https://paymeservice.com",
      "category": "regional",
      "region": "middle-east",
      "coverage": "以色列",
      "services": [
        "即时出款"
      ],
      "introduction": "PayMe (Israel) 是一家区域型支付服务商，覆盖以色列，支持即时出款。公开费率：1.5%–3% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：1.5%–3% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paymeservice.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "middle-east",
        "regional",
        "startup-friendly",
        "以色列",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-thawani",
      "name": "Thawani",
      "aliases": [],
      "website_url": "https://thawani.om",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿曼",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Thawani 是一家区域型支付服务商，覆盖阿曼，支持信用卡/借记卡。公开费率：2.5% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://thawani.om",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "阿曼"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bahamta",
      "name": "Bahamta",
      "aliases": [],
      "website_url": "https://bahamta.ir",
      "category": "traditional",
      "region": "middle-east",
      "coverage": "伊朗",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Bahamta 是一家传统收单/支付服务商，覆盖伊朗，支持信用卡/借记卡。公开费率：0.3-1.5% depending on service type。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：0.3-1.5% depending on service type",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bahamta.ir",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "traditional",
        "伊朗",
        "信用卡",
        "借记卡"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paykickstart",
      "name": "PayKickstart",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "PayKickstart 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：$99 - $199/month 加 processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：$99 - $199/month 加 processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pagos-net-bolivia",
      "name": "Pagos Net Bolivia",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "latin-america",
      "coverage": "玻利维亚",
      "services": [
        "POS收单"
      ],
      "introduction": "Pagos Net Bolivia 是一家区域型支付服务商，覆盖玻利维亚，支持POS收单。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "玻利维亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sky-pay",
      "name": "Sky Pay",
      "aliases": [],
      "website_url": "https://skyipay.co.uk",
      "category": "regional",
      "region": "asia, europe",
      "coverage": "英国 | 尼泊尔",
      "services": [
        "现金",
        "代金券",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Sky Pay 是一家区域型支付服务商，覆盖英国、尼泊尔，支持现金/代金券、跨境汇款/出款。公开费率：Fee details require provider confirmation.；fee model: per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://skyipay.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "regional",
        "代金券",
        "出款",
        "尼泊尔",
        "现金",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-qpay-mn",
      "name": "QPay (Mongolia)",
      "aliases": [],
      "website_url": "https://qpay.mn",
      "category": "regional",
      "region": "asia",
      "coverage": "蒙古",
      "services": [
        "即时出款",
        "银行转账",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "QPay (Mongolia) 是一家区域型支付服务商，覆盖蒙古，支持即时出款、银行转账、电子钱包、二维码支付。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://qpay.mn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "二维码支付",
        "即时出款",
        "电子钱包",
        "蒙古",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-stc-pay",
      "name": "STC Pay",
      "aliases": [],
      "website_url": "https://stcpay.com.sa",
      "category": "regional",
      "region": "middle-east",
      "coverage": "沙特阿拉伯",
      "services": [
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "出款"
      ],
      "introduction": "STC Pay 是一家区域型支付服务商，覆盖沙特阿拉伯，支持即时出款、电子钱包、跨境汇款/出款。公开费率：Merchant fees apply。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees apply",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://stcpay.com.sa",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "middle-east",
        "regional",
        "出款",
        "即时出款",
        "沙特阿拉伯",
        "电子钱包",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tala",
      "name": "Tala",
      "aliases": [],
      "website_url": "https://tala.co",
      "category": "regional",
      "region": "africa, asia, latin-america, southeast-asia",
      "coverage": "印度 | 肯尼亚 | 墨西哥 | 菲律宾",
      "services": [
        "即时出款"
      ],
      "introduction": "Tala 是一家区域型支付服务商，覆盖印度、肯尼亚、墨西哥、菲律宾，支持即时出款。公开费率：Lending interest rates。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Lending interest rates",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tala.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "instant-payout",
        "latin-america",
        "regional",
        "southeast-asia",
        "印度",
        "即时出款",
        "墨西哥",
        "肯尼亚",
        "菲律宾"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-troy",
      "name": "Troy",
      "aliases": [],
      "website_url": "https://troyodeme.com",
      "category": "regional",
      "region": "europe, middle-east",
      "coverage": "土耳其",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Troy 是一家区域型支付服务商，覆盖土耳其，支持信用卡/借记卡。公开费率：Lower than Visa/MC domestic。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Lower than Visa/MC domestic",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://troyodeme.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "low-fees",
        "middle-east",
        "regional",
        "信用卡",
        "借记卡",
        "土耳其"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-teachable-payments",
      "name": "Teachable Payments",
      "aliases": [],
      "website_url": "https://teachable.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Teachable Payments 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：单笔从5%起 加 processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从5%起 加 processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://teachable.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-merpay",
      "name": "Merpay",
      "aliases": [],
      "website_url": "https://merpay.com",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Merpay 是一家区域型支付服务商，覆盖日本，支持即时出款、移动支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://merpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "即时出款",
        "日本",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-monri",
      "name": "Monri",
      "aliases": [],
      "website_url": "https://monri.com",
      "category": "regional",
      "region": "europe",
      "coverage": "波黑 | 克罗地亚 | 塞尔维亚 | 科索沃",
      "services": [
        "POS收单"
      ],
      "introduction": "Monri 是一家区域型支付服务商，覆盖波黑、克罗地亚、塞尔维亚、科索沃，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://monri.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "克罗地亚",
        "塞尔维亚",
        "波黑",
        "科索沃"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payvalida",
      "name": "Payválida",
      "aliases": [],
      "website_url": "https://payvalida.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "哥伦比亚 | 厄瓜多尔 | 墨西哥",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "Payválida 是一家区域型支付服务商，覆盖哥伦比亚、厄瓜多尔、墨西哥，支持现金/代金券。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payvalida.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "代金券",
        "厄瓜多尔",
        "哥伦比亚",
        "墨西哥",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-planet-payment",
      "name": "Planet Payment",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, middle-east, north-america",
      "coverage": "阿联酋 | 英国 | 爱尔兰 | 美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Planet Payment 是一家传统收单/支付服务商，覆盖阿联酋、英国、爱尔兰、美国，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "middle-east",
        "north-america",
        "traditional",
        "爱尔兰",
        "美国",
        "英国",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-choice-international",
      "name": "Choice International",
      "aliases": [],
      "website_url": "https://choicemoney.co.uk",
      "category": "traditional",
      "region": "africa, europe",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Choice International 是一家传统收单/支付服务商，覆盖英国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://choicemoney.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jcc",
      "name": "JCC Payment Systems",
      "aliases": [],
      "website_url": "https://jcc.com.cy",
      "category": "regional",
      "region": "europe",
      "coverage": "塞浦路斯",
      "services": [
        "POS收单"
      ],
      "introduction": "JCC Payment Systems 是一家区域型支付服务商，覆盖塞浦路斯，支持POS收单。公开费率：定制(需询价) merchant pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://jcc.com.cy",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "塞浦路斯"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-netcash-za",
      "name": "NetCash (South Africa)",
      "aliases": [],
      "website_url": "https://netcash.co.za",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "NetCash (South Africa) 是一家区域型支付服务商，覆盖南非，支持订阅/周期扣款、信用卡/借记卡。公开费率：From R0.50 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From R0.50 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://netcash.co.za",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "recurring-payments",
        "regional",
        "信用卡",
        "借记卡",
        "南非",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-revio",
      "name": "Revio",
      "aliases": [],
      "website_url": "https://revio.co",
      "category": "regional",
      "region": "africa",
      "coverage": "肯尼亚 | 尼日利亚 | 南非",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Revio 是一家区域型支付服务商，覆盖肯尼亚、尼日利亚、南非，支持订阅/周期扣款、信用卡/借记卡。公开费率：Per-collection pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-collection pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://revio.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "recurring-payments",
        "regional",
        "信用卡",
        "借记卡",
        "南非",
        "周期扣款",
        "尼日利亚",
        "肯尼亚",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-stonex-payments",
      "name": "StoneX Payments",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "asia, europe, latin-america, north-america",
      "coverage": "巴西 | 英国 | 新加坡 | 美国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "StoneX Payments 是一家传统收单/支付服务商，覆盖巴西、英国、新加坡、美国，支持跨境汇款/出款。公开费率：FX margin-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：FX margin-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "latin-america",
        "north-america",
        "traditional",
        "出款",
        "巴西",
        "新加坡",
        "美国",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-yokoy",
      "name": "Yokoy",
      "aliases": [],
      "website_url": "https://yokoy.io",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 瑞士 | 德国 | 英国",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "Yokoy 是一家传统收单/支付服务商，覆盖奥地利、瑞士、德国、英国，支持账单/发票支付。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://yokoy.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "发票支付",
        "奥地利",
        "德国",
        "瑞士",
        "英国",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-okx",
      "name": "OKX",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "crypto",
      "region": "asia, europe, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 奥地利 | 澳大利亚 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 希腊 | 中国香港 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 新加坡 | 斯洛文尼亚 | 斯洛伐克 | 美国",
      "services": [
        "加密货币"
      ],
      "introduction": "OKX 是一家加密货币支付服务商，覆盖阿联酋、奥地利、澳大利亚、比利时、保加利亚、塞浦路斯等，支持加密货币。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "中国香港",
        "保加利亚",
        "克罗地亚",
        "加密货币",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "新加坡",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "阿联酋",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-t-money-korea",
      "name": "T-Money",
      "aliases": [],
      "website_url": "https://t-money.co.kr",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "T-Money 是一家区域型支付服务商，覆盖韩国，支持信用卡/借记卡。公开费率：Low per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://t-money.co.kr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tranzila",
      "name": "Tranzila",
      "aliases": [],
      "website_url": "https://tranzila.com",
      "category": "regional",
      "region": "middle-east",
      "coverage": "以色列",
      "services": [
        "订阅",
        "周期扣款",
        "信用卡",
        "借记卡"
      ],
      "introduction": "Tranzila 是一家区域型支付服务商，覆盖以色列，支持订阅/周期扣款、信用卡/借记卡。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tranzila.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "以色列",
        "信用卡",
        "借记卡",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-owl-payments",
      "name": "Owl Payments",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe",
      "coverage": "英国 | 爱尔兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Owl Payments 是一家传统收单/支付服务商，覆盖英国、爱尔兰，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "爱尔兰",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sadad",
      "name": "SADAD",
      "aliases": [],
      "website_url": "https://sadad.com",
      "category": "regional",
      "region": "middle-east",
      "coverage": "沙特阿拉伯",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "SADAD 是一家区域型支付服务商，覆盖沙特阿拉伯，支持信用卡/借记卡。公开费率：SAR 1 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：SAR 1 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sadad.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "middle-east",
        "regional",
        "信用卡",
        "借记卡",
        "沙特阿拉伯"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-startengine",
      "name": "StartEngine",
      "aliases": [],
      "website_url": "https://startengine.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "众筹",
        "募资"
      ],
      "introduction": "StartEngine 是一家传统收单/支付服务商，覆盖美国，支持众筹/募资。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://startengine.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "众筹",
        "募资",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-valor-paytech",
      "name": "Valor PayTech",
      "aliases": [],
      "website_url": "https://valorpaytech.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Valor PayTech 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://valorpaytech.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zeropay",
      "name": "ZeroPay",
      "aliases": [],
      "website_url": "https://zeropay.or.kr",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "移动支付"
      ],
      "introduction": "ZeroPay 是一家区域型支付服务商，覆盖韩国，支持移动支付。公开费率：0% for small merchants。结算：即时。",
      "fee_note": "公开费率：0% for small merchants",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zeropay.or.kr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "移动支付",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-moorwand",
      "name": "Moorwand",
      "aliases": [],
      "website_url": "https://moorwand.com",
      "category": "baas",
      "region": "europe",
      "coverage": "英国 | 立陶宛",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Moorwand 是一家银行即服务(BaaS)服务商，覆盖英国、立陶宛，支持银行即服务(BaaS)。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://moorwand.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "enterprise",
        "europe",
        "立陶宛",
        "英国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-raast-pk",
      "name": "RAAST (Pakistan)",
      "aliases": [],
      "website_url": "https://sbp.org.pk",
      "category": "regional",
      "region": "asia",
      "coverage": "巴基斯坦",
      "services": [
        "即时出款",
        "银行转账",
        "电子钱包"
      ],
      "introduction": "RAAST (Pakistan) 是一家区域型支付服务商，覆盖巴基斯坦，支持即时出款、银行转账、电子钱包。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sbp.org.pk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "巴基斯坦",
        "电子钱包",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-turbotenant",
      "name": "TurboTenant",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "TurboTenant 是一家传统收单/支付服务商，覆盖美国，支持先买后付(BNPL)。公开费率：Free for landlords; tenant pays。结算：需向服务商确认（公开信息：2–7 business days）。",
      "fee_note": "公开费率：Free for landlords; tenant pays",
      "settlement_note": "需向服务商确认（公开信息：2–7 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "先买后付(BNPL)",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-avenue-bank",
      "name": "Avenue Bank",
      "aliases": [],
      "website_url": "https://avenuebank.com.au",
      "category": "regional, traditional",
      "region": "oceania",
      "coverage": "澳大利亚",
      "services": [
        "先买后付(BNPL)"
      ],
      "introduction": "Avenue Bank 是一家区域型支付服务商，覆盖澳大利亚，支持先买后付(BNPL)。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://avenuebank.com.au",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "oceania",
        "regional",
        "traditional",
        "先买后付(BNPL)",
        "澳大利亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pse-colombia",
      "name": "PSE Colombia",
      "aliases": [],
      "website_url": "https://pse.com.co",
      "category": "regional",
      "region": "latin-america",
      "coverage": "哥伦比亚",
      "services": [
        "银行转账"
      ],
      "introduction": "PSE Colombia 是一家区域型支付服务商，覆盖哥伦比亚，支持银行转账。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pse.com.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "哥伦比亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mynt",
      "name": "Mynt (GCash parent)",
      "aliases": [],
      "website_url": "https://mynt.xyz",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "即时出款",
        "电子钱包"
      ],
      "introduction": "Mynt (GCash parent) 是一家区域型支付服务商，覆盖菲律宾，支持即时出款、电子钱包。公开费率：视情况而定 by service。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：视情况而定 by service",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mynt.xyz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "regional",
        "southeast-asia",
        "即时出款",
        "电子钱包",
        "菲律宾"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payline-data",
      "name": "Payline Data",
      "aliases": [],
      "website_url": "https://paylinedata.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Payline Data 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：Interchange-plus 单笔从0.2%起。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange-plus 单笔从0.2%起",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paylinedata.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-beemit",
      "name": "Beem It",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "oceania",
      "coverage": "澳大利亚",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付"
      ],
      "introduction": "Beem It 是一家区域型支付服务商，覆盖澳大利亚，支持即时出款、移动支付、二维码支付。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "oceania",
        "regional",
        "二维码支付",
        "即时出款",
        "澳大利亚",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-givelify",
      "name": "Givelify",
      "aliases": [],
      "website_url": "https://givelify.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐"
      ],
      "introduction": "Givelify 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、捐赠/募捐。公开费率：2.9% 加 $0.30 per donation。结算：下一个工作日。",
      "fee_note": "公开费率：2.9% 加 $0.30 per donation",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://givelify.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "募捐",
        "周期扣款",
        "捐赠",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mcash-bangladesh",
      "name": "MCash Bangladesh",
      "aliases": [],
      "website_url": "https://islamibankbd.com",
      "category": "regional",
      "region": "asia",
      "coverage": "孟加拉国",
      "services": [
        "移动支付"
      ],
      "introduction": "MCash Bangladesh 是一家区域型支付服务商，覆盖孟加拉国，支持移动支付。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://islamibankbd.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "孟加拉国",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payhawk",
      "name": "Payhawk",
      "aliases": [],
      "website_url": "https://payhawk.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "保加利亚 | 德国 | 西班牙 | 英国 | 荷兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payhawk 是一家传统收单/支付服务商，覆盖保加利亚、德国、西班牙、英国、荷兰，支持信用卡/借记卡。公开费率：From €5/user/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From €5/user/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payhawk.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "德国",
        "英国",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-paynet-uz",
      "name": "Paynet (Uzbekistan)",
      "aliases": [],
      "website_url": "https://paynet.uz",
      "category": "regional",
      "region": "asia",
      "coverage": "乌兹别克斯坦",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "Paynet (Uzbekistan) 是一家区域型支付服务商，覆盖乌兹别克斯坦，支持账单/发票支付。公开费率：Low per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://paynet.uz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "乌兹别克斯坦",
        "发票支付",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rupay",
      "name": "RuPay",
      "aliases": [],
      "website_url": "https://rupay.co.in",
      "category": "regional",
      "region": "asia",
      "coverage": "阿联酋 | 巴林 | 不丹 | 印度 | 新加坡",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "RuPay 是一家区域型支付服务商，覆盖阿联酋、巴林、不丹、印度、新加坡，支持信用卡/借记卡、现金/代金券。公开费率：Lower MDR than Visa/MC。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Lower MDR than Visa/MC",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://rupay.co.in",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "low-fees",
        "regional",
        "不丹",
        "代金券",
        "信用卡",
        "借记卡",
        "印度",
        "巴林",
        "新加坡",
        "现金",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wio-bank",
      "name": "Wio Bank",
      "aliases": [],
      "website_url": "https://wio.io",
      "category": "regional",
      "region": "middle-east",
      "coverage": "阿联酋",
      "services": [
        "即时出款"
      ],
      "introduction": "Wio Bank 是一家区域型支付服务商，覆盖阿联酋，支持即时出款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wio.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "instant-payout",
        "middle-east",
        "regional",
        "即时出款",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-shinhan-bank",
      "name": "Shinhan Bank",
      "aliases": [],
      "website_url": "https://shinhanglobal.com",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, north-america, oceania, southeast-asia",
      "coverage": "阿联酋 | 澳大利亚 | 加拿大 | 中国 | 德国 | 英国 | 中国香港 | 印度尼西亚 | 印度 | 日本 | 柬埔寨 | 韩国 | 哈萨克斯坦 | 缅甸 | 墨西哥 | 菲律宾 | 新加坡 | 美国 | 越南",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Shinhan Bank 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、加拿大、中国、德国、英国等，支持信用卡/借记卡。公开费率：定制(需询价)/relationship-based pricing for corporate banking, trade finance, and treasury services; not publicly disclosed.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价)/relationship-based pricing for corporate banking, trade finance, and treasury services; not publicly disclosed.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://shinhanglobal.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国香港",
        "信用卡",
        "借记卡",
        "加拿大",
        "印度",
        "印度尼西亚",
        "哈萨克斯坦",
        "墨西哥",
        "德国",
        "新加坡",
        "日本",
        "柬埔寨",
        "澳大利亚",
        "缅甸",
        "美国",
        "英国",
        "菲律宾",
        "越南",
        "阿联酋",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-skipify",
      "name": "Skipify",
      "aliases": [],
      "website_url": "https://skipify.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Skipify 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Per-transaction pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://skipify.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-anz-gomoney-pacific",
      "name": "ANZ GoMoney (Pacific)",
      "aliases": [],
      "website_url": "https://anz.com",
      "category": "regional",
      "region": "oceania",
      "coverage": "斐济 | 巴布亚新几内亚 | 汤加 | 瓦努阿图 | 萨摩亚",
      "services": [
        "即时出款"
      ],
      "introduction": "ANZ GoMoney (Pacific) 是一家区域型支付服务商，覆盖斐济、巴布亚新几内亚、汤加、瓦努阿图、萨摩亚，支持即时出款。公开费率：Bank fees apply。结算：1–3个工作日。",
      "fee_note": "公开费率：Bank fees apply",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://anz.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "oceania",
        "regional",
        "即时出款",
        "巴布亚新几内亚",
        "斐济",
        "汤加",
        "瓦努阿图",
        "萨摩亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payactiv",
      "name": "Payactiv",
      "aliases": [],
      "website_url": "https://payactiv.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款"
      ],
      "introduction": "Payactiv 是一家传统收单/支付服务商，覆盖美国，支持即时出款。公开费率：$5 每transfer or employer-sponsored。结算：即时。",
      "fee_note": "公开费率：$5 每transfer or employer-sponsored",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payactiv.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "即时出款",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sadad-bahrain",
      "name": "SADAD Bahrain",
      "aliases": [],
      "website_url": "https://sadad.bh",
      "category": "regional",
      "region": "middle-east",
      "coverage": "巴林",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "SADAD Bahrain 是一家区域型支付服务商，覆盖巴林，支持账单/发票支付。公开费率：Per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sadad.bh",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "middle-east",
        "regional",
        "发票支付",
        "巴林",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sokin",
      "name": "Sokin",
      "aliases": [],
      "website_url": "https://sokin.com",
      "category": "traditional",
      "region": "asia, europe, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 澳大利亚 | 比利时 | 加拿大 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 爱尔兰 | 印度 | 意大利 | 荷兰 | 挪威 | 波兰 | 瑞典 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sokin 是一家传统收单/支付服务商，覆盖阿联酋、澳大利亚、比利时、加拿大、德国、西班牙等，支持信用卡/借记卡。公开费率：Transaction fee plus a fixed FX fee on currency conversion; wholesale FX rates, free instant transfers between Sokin accounts.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Transaction fee plus a fixed FX fee on currency conversion; wholesale FX rates, free instant transfers between Sokin accounts.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sokin.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "印度",
        "德国",
        "意大利",
        "挪威",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "瑞典",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "西班牙",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mir-card",
      "name": "Mir",
      "aliases": [],
      "website_url": "https://mironline.ru",
      "category": "regional",
      "region": "asia, europe",
      "coverage": "俄罗斯 | 塔吉克斯坦 | 土耳其 | 乌兹别克斯坦 | 越南",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Mir 是一家区域型支付服务商，覆盖俄罗斯、塔吉克斯坦、土耳其、乌兹别克斯坦、越南，支持信用卡/借记卡。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mironline.ru",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "regional",
        "乌兹别克斯坦",
        "俄罗斯",
        "信用卡",
        "借记卡",
        "土耳其",
        "塔吉克斯坦",
        "越南"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-thaiqr",
      "name": "ThaiQR Payment",
      "aliases": [],
      "website_url": "https://bot.or.th",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "泰国",
      "services": [
        "即时出款"
      ],
      "introduction": "ThaiQR Payment 是一家区域型支付服务商，覆盖泰国，支持即时出款。公开费率：Free P2P; merchant fees vary。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free P2P; merchant fees vary",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bot.or.th",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "regional",
        "southeast-asia",
        "即时出款",
        "泰国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tigo-pesa",
      "name": "Tigo Pesa",
      "aliases": [],
      "website_url": "https://tigo.co.tz",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳 | 坦桑尼亚",
      "services": [
        "移动支付"
      ],
      "introduction": "Tigo Pesa 是一家区域型支付服务商，覆盖加纳、坦桑尼亚，支持移动支付。公开费率：Tiered transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Tiered transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tigo.co.tz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "low-fees",
        "regional",
        "加纳",
        "坦桑尼亚",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-andco",
      "name": "AND CO (Fiverr)",
      "aliases": [],
      "website_url": "https://and.co",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "AND CO (Fiverr) 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Free; payment processing fees apply。结算：3–5个工作日。",
      "fee_note": "公开费率：Free; payment processing fees apply",
      "settlement_note": "3–5个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://and.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payflex",
      "name": "Payflex",
      "aliases": [],
      "website_url": "https://payflex.co.za",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Payflex 是一家区域型支付服务商，覆盖南非，支持信用卡/借记卡。公开费率：Merchant fees apply。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees apply",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payflex.co.za",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "low-fees",
        "regional",
        "信用卡",
        "借记卡",
        "南非"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pashapay",
      "name": "PashaPay",
      "aliases": [],
      "website_url": "https://pashapay.az",
      "category": "regional",
      "region": "asia",
      "coverage": "阿塞拜疆",
      "services": [
        "即时出款",
        "电子钱包",
        "POS收单"
      ],
      "introduction": "PashaPay 是一家区域型支付服务商，覆盖阿塞拜疆，支持即时出款、电子钱包、POS收单。公开费率：Competitive merchant rates。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Competitive merchant rates",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pashapay.az",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "即时出款",
        "电子钱包",
        "阿塞拜疆"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-yenepay",
      "name": "YenePay",
      "aliases": [],
      "website_url": "https://yenepay.com",
      "category": "regional",
      "region": "africa",
      "coverage": "埃塞俄比亚",
      "services": [
        "银行转账"
      ],
      "introduction": "YenePay 是一家区域型支付服务商，覆盖埃塞俄比亚，支持银行转账。公开费率：2.5% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.5% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://yenepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "regional",
        "startup-friendly",
        "埃塞俄比亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-komgo",
      "name": "Komgo",
      "aliases": [],
      "website_url": "https://komgo.io",
      "category": "traditional",
      "region": "asia, europe, middle-east",
      "coverage": "瑞士 | 英国 | 新加坡",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Komgo 是一家传统收单/支付服务商，覆盖瑞士、英国、新加坡，支持信用卡/借记卡。公开费率：Subscription 加 per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Subscription 加 per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://komgo.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "europe",
        "middle-east",
        "traditional",
        "信用卡",
        "借记卡",
        "新加坡",
        "瑞士",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-meshulam",
      "name": "Meshulam",
      "aliases": [],
      "website_url": "https://meshulam.co.il",
      "category": "regional",
      "region": "middle-east",
      "coverage": "以色列",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Meshulam 是一家区域型支付服务商，覆盖以色列，支持订阅/周期扣款。公开费率：单笔从0.7%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从0.7%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://meshulam.co.il",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "middle-east",
        "recurring-payments",
        "regional",
        "startup-friendly",
        "以色列",
        "周期扣款",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tymebank",
      "name": "TymeBank",
      "aliases": [],
      "website_url": "https://tymebank.co.za",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "TymeBank 是一家区域型支付服务商，覆盖南非，支持信用卡/借记卡。公开费率：Zero monthly fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Zero monthly fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tymebank.co.za",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "low-fees",
        "regional",
        "startup-friendly",
        "信用卡",
        "借记卡",
        "南非"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-verve-intl",
      "name": "Verve International",
      "aliases": [],
      "website_url": "https://verve.com.ng",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳 | 冈比亚 | 肯尼亚 | 尼日利亚 | 卢旺达 | 乌干达",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Verve International 是一家区域型支付服务商，覆盖加纳、冈比亚、肯尼亚、尼日利亚、卢旺达、乌干达，支持信用卡/借记卡。公开费率：Lower than international schemes。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Lower than international schemes",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://verve.com.ng",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "enterprise",
        "regional",
        "乌干达",
        "信用卡",
        "借记卡",
        "冈比亚",
        "加纳",
        "卢旺达",
        "尼日利亚",
        "肯尼亚"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bcel-one",
      "name": "BCEL One",
      "aliases": [],
      "website_url": "https://bcel.com.la",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "老挝",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "BCEL One 是一家区域型支付服务商，覆盖老挝，支持即时出款、二维码支付。公开费率：Low fees。结算：下一个工作日。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bcel.com.la",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "regional",
        "southeast-asia",
        "二维码支付",
        "即时出款",
        "老挝"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ipg-group",
      "name": "IPG Group",
      "aliases": [],
      "website_url": "https://ipg.rs",
      "category": "regional",
      "region": "europe",
      "coverage": "波黑 | 黑山 | 塞尔维亚",
      "services": [
        "POS收单"
      ],
      "introduction": "IPG Group 是一家区域型支付服务商，覆盖波黑、黑山、塞尔维亚，支持POS收单。公开费率：定制(需询价) merchant pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ipg.rs",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "塞尔维亚",
        "波黑",
        "黑山"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pxp",
      "name": "PXP",
      "aliases": [],
      "website_url": "https://pxp.io",
      "category": "gaming, traditional",
      "region": "africa, europe, latin-america, north-america",
      "coverage": "奥地利 | 比利时 | 巴西 | 加拿大 | 德国 | 西班牙 | 法国 | 英国 | 意大利 | 荷兰 | 美国 | 南非",
      "services": [
        "游戏内支付"
      ],
      "introduction": "PXP 是一家游戏支付服务商，覆盖奥地利、比利时、巴西、加拿大、德国、西班牙等，支持游戏内支付。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pxp.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "europe",
        "gaming",
        "latin-america",
        "north-america",
        "traditional",
        "加拿大",
        "南非",
        "奥地利",
        "巴西",
        "德国",
        "意大利",
        "比利时",
        "法国",
        "游戏内支付",
        "美国",
        "英国",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sofi",
      "name": "SoFi",
      "aliases": [],
      "website_url": "https://sofi.com",
      "category": "regional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "SoFi 是一家区域型支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：No account fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：No account fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sofi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "regional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-swile",
      "name": "Swile",
      "aliases": [],
      "website_url": "https://swile.co",
      "category": "traditional",
      "region": "europe",
      "coverage": "巴西 | 法国",
      "services": [
        "信用卡",
        "借记卡",
        "现金",
        "代金券"
      ],
      "introduction": "Swile 是一家传统收单/支付服务商，覆盖巴西、法国，支持信用卡/借记卡、现金/代金券。公开费率：Employer subscription-based。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Employer subscription-based",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://swile.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "startup-friendly",
        "traditional",
        "代金券",
        "信用卡",
        "借记卡",
        "巴西",
        "法国",
        "现金"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tigo-money",
      "name": "Tigo Money",
      "aliases": [],
      "website_url": "https://tigo.com",
      "category": "regional",
      "region": "africa, latin-america",
      "coverage": "玻利维亚 | 危地马拉 | 洪都拉斯 | 巴拉圭 | 卢旺达 | 萨尔瓦多 | 乍得 | 坦桑尼亚",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Tigo Money 是一家区域型支付服务商，覆盖玻利维亚、危地马拉、洪都拉斯、巴拉圭、卢旺达、萨尔瓦多等，支持即时出款、移动支付。公开费率：Low transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tigo.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "latin-america",
        "regional",
        "乍得",
        "卢旺达",
        "危地马拉",
        "即时出款",
        "坦桑尼亚",
        "巴拉圭",
        "洪都拉斯",
        "玻利维亚",
        "移动支付",
        "萨尔瓦多"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-upay-bangladesh",
      "name": "Upay Bangladesh",
      "aliases": [],
      "website_url": "https://upaybd.com",
      "category": "regional",
      "region": "asia",
      "coverage": "孟加拉国",
      "services": [
        "电子钱包"
      ],
      "introduction": "Upay Bangladesh 是一家区域型支付服务商，覆盖孟加拉国，支持电子钱包。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://upaybd.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "low-fees",
        "regional",
        "孟加拉国",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-perpay",
      "name": "Perpay",
      "aliases": [],
      "website_url": "https://perpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "先买后付(BNPL)"
      ],
      "introduction": "Perpay 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、先买后付(BNPL)。公开费率：No interest for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：No interest for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://perpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "先买后付(BNPL)",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-routeone",
      "name": "RouteOne",
      "aliases": [],
      "website_url": "https://routeone.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "RouteOne 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://routeone.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tigo-money-paraguay",
      "name": "Tigo Money Paraguay",
      "aliases": [],
      "website_url": "https://tigo.com.py",
      "category": "regional",
      "region": "latin-america",
      "coverage": "巴拉圭",
      "services": [
        "移动支付"
      ],
      "introduction": "Tigo Money Paraguay 是一家区域型支付服务商，覆盖巴拉圭，支持移动支付。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tigo.com.py",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "low-fees",
        "regional",
        "巴拉圭",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ropay",
      "name": "RoPay",
      "aliases": [],
      "website_url": "https://ropay.ro",
      "category": "regional",
      "region": "europe",
      "coverage": "罗马尼亚",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "RoPay 是一家区域型支付服务商，覆盖罗马尼亚，支持即时出款、银行转账。公开费率：Free for consumers。结算：即时。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "即时",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ropay.ro",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "low-fees",
        "regional",
        "即时出款",
        "罗马尼亚",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-top-money-transfer",
      "name": "TOP Money Transfer",
      "aliases": [],
      "website_url": "https://static.cloudflareinsights.com",
      "category": "payment provider",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "跨境汇款",
        "出款"
      ],
      "introduction": "TOP Money Transfer 是一家支付服务商，覆盖英国，支持跨境汇款/出款。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://static.cloudflareinsights.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "出款",
        "英国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-olky-payment-service-provider",
      "name": "OlkyPay",
      "aliases": [],
      "website_url": "https://olky.eu",
      "category": "crypto, high-risk, regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "加密货币"
      ],
      "introduction": "OlkyPay 是一家加密货币支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持加密货币。公开费率：Fee details require provider confirmation.；fee model: subscription。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: subscription",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://olky.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "crypto",
        "crypto-support",
        "europe",
        "high-risk",
        "high-risk-accepted",
        "regional",
        "traditional",
        "保加利亚",
        "克罗地亚",
        "加密货币",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-par-technology",
      "name": "Par Technology",
      "aliases": [],
      "website_url": "https://partech.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Par Technology 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://partech.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sony-payment",
      "name": "Sony Payment Services",
      "aliases": [],
      "website_url": "https://sonypaymentservices.jp",
      "category": "regional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sony Payment Services 是一家区域型支付服务商，覆盖日本，支持信用卡/借记卡。公开费率：3.25%–3.6% 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：3.25%–3.6% 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sonypaymentservices.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "信用卡",
        "借记卡",
        "日本"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-uzum-bank",
      "name": "Uzum Bank",
      "aliases": [],
      "website_url": "https://uzumbank.uz",
      "category": "regional",
      "region": "asia",
      "coverage": "乌兹别克斯坦",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Uzum Bank 是一家区域型支付服务商，覆盖乌兹别克斯坦，支持即时出款、跨境汇款/出款。公开费率：Competitive rates。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Competitive rates",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://uzumbank.uz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "low-fees",
        "regional",
        "乌兹别克斯坦",
        "出款",
        "即时出款",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payability",
      "name": "Payability",
      "aliases": [],
      "website_url": "https://payability.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Payability 是一家传统收单/支付服务商，覆盖美国，支持即时出款、跨境汇款/出款。公开费率：2% of sales for instant access。结算：下一个工作日。",
      "fee_note": "公开费率：2% of sales for instant access",
      "settlement_note": "下一个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payability.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "出款",
        "即时出款",
        "美国",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-settle-kr",
      "name": "Settle (Korea)",
      "aliases": [],
      "website_url": "https://settle.co.kr",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "银行转账"
      ],
      "introduction": "Settle (Korea) 是一家区域型支付服务商，覆盖韩国，支持银行转账。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://settle.co.kr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "startup-friendly",
        "银行转账",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-citibank",
      "name": "Citi",
      "aliases": [],
      "website_url": "https://citigroup.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 阿根廷 | 澳大利亚 | 巴西 | 加拿大 | 瑞士 | 中国 | 德国 | 西班牙 | 法国 | 英国 | 中国香港 | 爱尔兰 | 印度 | 意大利 | 日本 | 韩国 | 卢森堡 | 墨西哥 | 荷兰 | 波兰 | 新加坡 | 美国 | 南非",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Citi 是一家传统收单/支付服务商，覆盖阿联酋、阿根廷、澳大利亚、巴西、加拿大、瑞士等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://citigroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "中国",
        "中国香港",
        "信用卡",
        "借记卡",
        "加拿大",
        "南非",
        "卢森堡",
        "印度",
        "墨西哥",
        "巴西",
        "德国",
        "意大利",
        "新加坡",
        "日本",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "瑞士",
        "美国",
        "英国",
        "荷兰",
        "西班牙",
        "阿根廷",
        "阿联酋",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wirecard-legacy",
      "name": "Wirecard (legacy)",
      "aliases": [],
      "website_url": "https://en.wikipedia.org",
      "category": "traditional",
      "region": "europe",
      "coverage": "德国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Wirecard (legacy) 是一家传统收单/支付服务商，覆盖德国，支持信用卡/借记卡。公开费率：N/A - defunct。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：N/A - defunct",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://en.wikipedia.org",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "德国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-masabi",
      "name": "Masabi",
      "aliases": [],
      "website_url": "https://masabi.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Masabi 是一家传统收单/支付服务商，覆盖英国、美国，支持信用卡/借记卡。公开费率：SaaS pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：SaaS pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://masabi.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-prisma-ar",
      "name": "Prisma Medios de Pago",
      "aliases": [],
      "website_url": "https://prismamediosdepago.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "阿根廷",
      "services": [
        "信用卡",
        "借记卡",
        "电子钱包"
      ],
      "introduction": "Prisma Medios de Pago 是一家区域型支付服务商，覆盖阿根廷，支持信用卡/借记卡、电子钱包。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://prismamediosdepago.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "信用卡",
        "借记卡",
        "电子钱包",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-squarespace-payments",
      "name": "Squarespace Payments",
      "aliases": [],
      "website_url": "https://squarespace.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Squarespace Payments 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：2.9% 加 $0.30。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：2.9% 加 $0.30",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://squarespace.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tbc-uzbekistan",
      "name": "TBC Uzbekistan",
      "aliases": [],
      "website_url": "https://tbc.uz",
      "category": "regional",
      "region": "asia",
      "coverage": "乌兹别克斯坦",
      "services": [
        "即时出款"
      ],
      "introduction": "TBC Uzbekistan 是一家区域型支付服务商，覆盖乌兹别克斯坦，支持即时出款。公开费率：Competitive rates。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Competitive rates",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tbc.uz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "startup-friendly",
        "乌兹别克斯坦",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-luno",
      "name": "Luno",
      "aliases": [],
      "website_url": "https://luno.com",
      "category": "crypto",
      "region": "africa, asia, europe, oceania, southeast-asia",
      "coverage": "澳大利亚 | 英国 | 印度尼西亚 | 马来西亚 | 尼日利亚 | 乌干达 | 南非",
      "services": [
        "加密货币"
      ],
      "introduction": "Luno 是一家加密货币支付服务商，覆盖澳大利亚、英国、印度尼西亚、马来西亚、尼日利亚、乌干达等，支持加密货币。公开费率：Tiered maker/taker fees with volume discounts; API is free to use. See luno.com/fees for current schedule.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Tiered maker/taker fees with volume discounts; API is free to use. See luno.com/fees for current schedule.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://luno.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "africa",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "oceania",
        "southeast-asia",
        "乌干达",
        "加密货币",
        "南非",
        "印度尼西亚",
        "尼日利亚",
        "澳大利亚",
        "英国",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mycase-payments",
      "name": "MyCase Payments",
      "aliases": [],
      "website_url": "https://mycase.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "账单",
        "发票支付"
      ],
      "introduction": "MyCase Payments 是一家传统收单/支付服务商，覆盖美国，支持账单/发票支付。公开费率：2.9% 加 $0.30。结算：1–3个工作日。",
      "fee_note": "公开费率：2.9% 加 $0.30",
      "settlement_note": "1–3个工作日",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mycase.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "发票支付",
        "美国",
        "账单"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-varo-bank",
      "name": "Varo Bank",
      "aliases": [],
      "website_url": "https://varomoney.com",
      "category": "regional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款",
        "现金",
        "代金券"
      ],
      "introduction": "Varo Bank 是一家区域型支付服务商，覆盖美国，支持即时出款、现金/代金券。公开费率：No monthly fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：No monthly fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://varomoney.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "low-fees",
        "north-america",
        "regional",
        "代金券",
        "即时出款",
        "现金",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mesh-payments",
      "name": "Mesh Payments",
      "aliases": [],
      "website_url": "https://meshpayments.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 以色列 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Mesh Payments 是一家传统收单/支付服务商，覆盖英国、以色列、美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://meshpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "以色列",
        "信用卡",
        "借记卡",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pensio",
      "name": "Pensio (Valitor)",
      "aliases": [],
      "website_url": "https://valitor.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "英国 | 冰岛",
      "services": [
        "POS收单"
      ],
      "introduction": "Pensio (Valitor) 是一家传统收单/支付服务商，覆盖英国、冰岛，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://valitor.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "europe",
        "traditional",
        "冰岛",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-memberful",
      "name": "Memberful",
      "aliases": [],
      "website_url": "https://memberful.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Memberful 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：From free; Pro 4.9% 加 $0.25。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From free; Pro 4.9% 加 $0.25",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://memberful.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ncr-silver",
      "name": "NCR Voyix Silver",
      "aliases": [],
      "website_url": "https://ncr.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "NCR Voyix Silver 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：3.5% 加 $0.15 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：3.5% 加 $0.15 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ncr.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bccard",
      "name": "BC Card",
      "aliases": [],
      "website_url": "https://bccard.com",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "BC Card 是一家区域型支付服务商，覆盖韩国，支持信用卡/借记卡。公开费率：Per-transaction merchant fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction merchant fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bccard.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "信用卡",
        "借记卡",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pivotal-payments",
      "name": "Pivotal Payments",
      "aliases": [],
      "website_url": "https://pivotalpayments.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "全球",
      "services": [
        "POS收单"
      ],
      "introduction": "Pivotal Payments 是一家传统收单/支付服务商，覆盖全球，支持POS收单。公开费率：Interchange-plus pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Interchange-plus pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pivotalpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-safe-harbor",
      "name": "Safe Harbor Financial",
      "aliases": [],
      "website_url": "https://shfinancial.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Safe Harbor Financial 是一家高风险行业支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) risk-based pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) risk-based pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://shfinancial.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-socure",
      "name": "Socure",
      "aliases": [],
      "website_url": "https://socure.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Socure 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Per-verification pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-verification pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://socure.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-haulpay",
      "name": "HaulPay",
      "aliases": [],
      "website_url": "https://docs.haulpay.io",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款"
      ],
      "introduction": "HaulPay 是一家传统收单/支付服务商，覆盖美国，支持即时出款。公开费率：Factoring rates apply。结算：需向服务商确认（公开信息：Same day）。",
      "fee_note": "公开费率：Factoring rates apply",
      "settlement_note": "需向服务商确认（公开信息：Same day）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://docs.haulpay.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "即时出款",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-realm",
      "name": "Realm (ACS Technologies)",
      "aliases": [],
      "website_url": "https://acstechnologies.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐"
      ],
      "introduction": "Realm (ACS Technologies) 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、捐赠/募捐。公开费率：Subscription 加 processing fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Subscription 加 processing fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://acstechnologies.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "募捐",
        "周期扣款",
        "捐赠",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-khazna",
      "name": "Khazna",
      "aliases": [],
      "website_url": "https://khazna.app",
      "category": "regional",
      "region": "africa, middle-east",
      "coverage": "埃及",
      "services": [
        "即时出款"
      ],
      "introduction": "Khazna 是一家区域型支付服务商，覆盖埃及，支持即时出款。公开费率：视情况而定 by service。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：视情况而定 by service",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://khazna.app",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "middle-east",
        "regional",
        "startup-friendly",
        "即时出款",
        "埃及"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sigue",
      "name": "Sigue",
      "aliases": [],
      "website_url": "https://sigue.com",
      "category": "regional, traditional",
      "region": "africa, asia, europe, latin-america, north-america",
      "coverage": "阿根廷 | 孟加拉国 | 智利 | 中国 | 哥斯达黎加 | 厄瓜多尔 | 法国 | 英国 | 加纳 | 印度 | 牙买加 | 韩国 | 斯里兰卡 | 摩洛哥 | 墨西哥 | 尼泊尔 | 菲律宾 | 巴基斯坦 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sigue 是一家区域型支付服务商，覆盖阿根廷、孟加拉国、智利、中国、哥斯达黎加、厄瓜多尔等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sigue.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "north-america",
        "regional",
        "traditional",
        "中国",
        "信用卡",
        "借记卡",
        "加纳",
        "印度",
        "厄瓜多尔",
        "哥斯达黎加",
        "墨西哥",
        "孟加拉国",
        "尼泊尔",
        "巴基斯坦",
        "摩洛哥",
        "斯里兰卡",
        "智利",
        "法国",
        "牙买加",
        "美国",
        "英国",
        "菲律宾",
        "阿根廷",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-visitpay",
      "name": "VisitPay (R1 RCM)",
      "aliases": [],
      "website_url": "https://visitpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "VisitPay (R1 RCM) 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://visitpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-textura",
      "name": "Textura (Oracle)",
      "aliases": [],
      "website_url": "https://oracle.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Textura (Oracle) 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Per-project pricing。结算：需向服务商确认（公开信息：2 business days）。",
      "fee_note": "公开费率：Per-project pricing",
      "settlement_note": "需向服务商确认（公开信息：2 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://oracle.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vodafone-cash-ghana",
      "name": "Vodafone Cash Ghana",
      "aliases": [],
      "website_url": "https://vodafone.com.gh",
      "category": "regional",
      "region": "africa",
      "coverage": "加纳",
      "services": [
        "移动支付"
      ],
      "introduction": "Vodafone Cash Ghana 是一家区域型支付服务商，覆盖加纳，支持移动支付。公开费率：Tiered fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Tiered fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vodafone.com.gh",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "low-fees",
        "regional",
        "加纳",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-innago",
      "name": "Innago",
      "aliases": [],
      "website_url": "https://innago.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡",
        "银行转账"
      ],
      "introduction": "Innago 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡、银行转账。公开费率：Free software; ACH $2, Cards 2.75%。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free software; ACH $2, Cards 2.75%",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://innago.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "low-fees",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-onpay",
      "name": "OnPay",
      "aliases": [],
      "website_url": "https://onpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "OnPay 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：$40/month 加 $6/person。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：$40/month 加 $6/person",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://onpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-vector-payments",
      "name": "Vector Payments",
      "aliases": [],
      "website_url": "https://vectorpayments.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Vector Payments 是一家高风险行业支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vectorpayments.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需相关牌照/受监管",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zeepay",
      "name": "ZeePay",
      "aliases": [],
      "website_url": "https://zeepay.com",
      "category": "regional",
      "region": "africa",
      "coverage": "布基纳法索 | 加纳 | 坦桑尼亚 | 乌干达",
      "services": [
        "即时出款",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "ZeePay 是一家区域型支付服务商，覆盖布基纳法索、加纳、坦桑尼亚、乌干达，支持即时出款、移动支付、跨境汇款/出款。公开费率：视情况而定 by corridor。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：视情况而定 by corridor",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zeepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "low-fees",
        "regional",
        "乌干达",
        "出款",
        "加纳",
        "即时出款",
        "坦桑尼亚",
        "布基纳法索",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "支持跨境/国际商户",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-insurepay",
      "name": "InsurePay",
      "aliases": [],
      "website_url": "https://insurepay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "InsurePay 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：Per-transaction pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://insurepay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mpaisa-fj",
      "name": "M-PAiSA (Vodafone Fiji)",
      "aliases": [],
      "website_url": "https://vodafone.com.fj",
      "category": "regional",
      "region": "oceania",
      "coverage": "斐济",
      "services": [
        "即时出款",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "M-PAiSA (Vodafone Fiji) 是一家区域型支付服务商，覆盖斐济，支持即时出款、移动支付、跨境汇款/出款。公开费率：Low transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://vodafone.com.fj",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "oceania",
        "regional",
        "出款",
        "即时出款",
        "斐济",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lazypay",
      "name": "LazyPay",
      "aliases": [],
      "website_url": "https://lazypay.in",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "即时出款"
      ],
      "introduction": "LazyPay 是一家区域型支付服务商，覆盖印度，支持即时出款。公开费率：Interest after billing cycle。结算：需向服务商确认（公开信息：15 business days）。",
      "fee_note": "公开费率：Interest after billing cycle",
      "settlement_note": "需向服务商确认（公开信息：15 business days）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lazypay.in",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "印度",
        "即时出款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mbank-kg",
      "name": "MBANK (Kyrgyzstan)",
      "aliases": [],
      "website_url": "https://mbank.kg",
      "category": "regional",
      "region": "asia",
      "coverage": "吉尔吉斯斯坦",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "MBANK (Kyrgyzstan) 是一家区域型支付服务商，覆盖吉尔吉斯斯坦，支持即时出款、二维码支付。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mbank.kg",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "二维码支付",
        "即时出款",
        "吉尔吉斯斯坦"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-patientpay",
      "name": "PatientPay",
      "aliases": [],
      "website_url": "https://patientpay.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "PatientPay 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：Per-statement pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-statement pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://patientpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-payqwick",
      "name": "PayQwick",
      "aliases": [],
      "website_url": "https://payqwick.com",
      "category": "high-risk",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "银行转账",
        "现金",
        "代金券"
      ],
      "introduction": "PayQwick 是一家高风险行业支付服务商，覆盖美国，支持银行转账、现金/代金券。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://payqwick.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "high-risk",
        "high-risk-accepted",
        "north-america",
        "代金券",
        "现金",
        "美国",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（接受高风险行业，需合规审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wallester",
      "name": "Wallester",
      "aliases": [],
      "website_url": "https://wallester.com",
      "category": "baas, traditional",
      "region": "asia, europe, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 奥地利 | 澳大利亚 | 比利时 | 保加利亚 | 加拿大 | 瑞士 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 新加坡 | 斯洛文尼亚 | 斯洛伐克 | 美国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Wallester 是一家银行即服务(BaaS)服务商，覆盖阿联酋、奥地利、澳大利亚、比利时、保加利亚、加拿大等，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wallester.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "baas",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "traditional",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "加拿大",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "新加坡",
        "比利时",
        "法国",
        "波兰",
        "澳大利亚",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "瑞士",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行即服务(BaaS)",
        "阿联酋",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ibanfirst",
      "name": "iBanFirst",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "比利时 | 保加利亚 | 德国 | 西班牙 | 法国 | 英国 | 匈牙利 | 意大利 | 卢森堡 | 荷兰 | 罗马尼亚",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "iBanFirst 是一家区域型支付服务商，覆盖比利时、保加利亚、德国、西班牙、法国、英国等，支持信用卡/借记卡。公开费率：Bespoke FX margin 加 transparent transaction fee per client; no public rate card. Spot FX, forwards (incl. flexible/dynamic) for hedging.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Bespoke FX margin 加 transparent transaction fee per client; no public rate card. Spot FX, forwards (incl. flexible/dynamic) for hedging.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "匈牙利",
        "卢森堡",
        "德国",
        "意大利",
        "比利时",
        "法国",
        "罗马尼亚",
        "英国",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rapipago",
      "name": "Rapipago",
      "aliases": [],
      "website_url": "https://rapipago.com.ar",
      "category": "regional",
      "region": "latin-america",
      "coverage": "阿根廷",
      "services": [
        "现金",
        "代金券"
      ],
      "introduction": "Rapipago 是一家区域型支付服务商，覆盖阿根廷，支持现金/代金券。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://rapipago.com.ar",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "latin-america",
        "regional",
        "代金券",
        "现金",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-shopkeep",
      "name": "Shopkeep (Lightspeed)",
      "aliases": [],
      "website_url": "https://shopkeep.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "POS收单"
      ],
      "introduction": "Shopkeep (Lightspeed) 是一家传统收单/支付服务商，覆盖美国，支持POS收单。公开费率：From $49/month 加 processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $49/month 加 processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://shopkeep.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kicc",
      "name": "KICC",
      "aliases": [],
      "website_url": "https://kicc.co.kr",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "KICC 是一家区域型支付服务商，覆盖韩国，支持信用卡/借记卡。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kicc.co.kr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "信用卡",
        "借记卡",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-transpact",
      "name": "Transpact",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "担保",
        "托管交易"
      ],
      "introduction": "Transpact 是一家传统收单/支付服务商，覆盖英国、美国，支持担保/托管交易。公开费率：单笔从0.5%起 单笔。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：单笔从0.5%起 单笔",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "north-america",
        "traditional",
        "托管交易",
        "担保",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-uniondigital-ph",
      "name": "UnionDigital (Philippines)",
      "aliases": [],
      "website_url": "https://uniondigitalbank.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "菲律宾",
      "services": [
        "加密货币",
        "即时出款"
      ],
      "introduction": "UnionDigital (Philippines) 是一家区域型支付服务商，覆盖菲律宾，支持加密货币、即时出款。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://uniondigitalbank.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "crypto-support",
        "instant-payout",
        "regional",
        "southeast-asia",
        "加密货币",
        "即时出款",
        "菲律宾"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-tpago",
      "name": "tPago",
      "aliases": [],
      "website_url": "https://tpago.com.do",
      "category": "regional",
      "region": "latin-america",
      "coverage": "多米尼加",
      "services": [
        "即时出款",
        "移动支付",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "tPago 是一家区域型支付服务商，覆盖多米尼加，支持即时出款、移动支付、二维码支付、跨境汇款/出款。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://tpago.com.do",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "regional",
        "二维码支付",
        "出款",
        "即时出款",
        "多米尼加",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zaincash",
      "name": "ZainCash",
      "aliases": [],
      "website_url": "https://zaincash.iq",
      "category": "regional",
      "region": "middle-east",
      "coverage": "伊拉克",
      "services": [
        "即时出款",
        "移动支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "ZainCash 是一家区域型支付服务商，覆盖伊拉克，支持即时出款、移动支付、跨境汇款/出款。公开费率：Low transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zaincash.iq",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "middle-east",
        "regional",
        "伊拉克",
        "出款",
        "即时出款",
        "移动支付",
        "跨境汇款"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-pesa",
      "name": "Pesa",
      "aliases": [],
      "website_url": "https://pesa.co",
      "category": "regional, traditional",
      "region": "africa, asia, europe, middle-east, north-america, oceania",
      "coverage": "阿联酋 | 澳大利亚 | 贝宁 | 加拿大 | 科特迪瓦 | 喀麦隆 | 中国 | 英国 | 加纳 | 印度 | 肯尼亚 | 尼日利亚 | 菲律宾 | 卢旺达 | 塞内加尔 | 多哥 | 坦桑尼亚 | 乌干达 | 美国 | 南非 | 赞比亚",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Pesa 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、贝宁、加拿大、科特迪瓦、喀麦隆等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://pesa.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "traditional",
        "中国",
        "乌干达",
        "信用卡",
        "借记卡",
        "加拿大",
        "加纳",
        "南非",
        "卢旺达",
        "印度",
        "喀麦隆",
        "坦桑尼亚",
        "塞内加尔",
        "多哥",
        "尼日利亚",
        "澳大利亚",
        "科特迪瓦",
        "美国",
        "肯尼亚",
        "英国",
        "菲律宾",
        "贝宁",
        "赞比亚",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ecommbx",
      "name": "ECOMMBX",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "ECOMMBX 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持信用卡/借记卡。公开费率：定制(需询价) pricing; contact sales for acquiring, card issuing, and e-account quotes.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing; contact sales for acquiring, card issuing, and e-account quotes.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-plin",
      "name": "Plin",
      "aliases": [],
      "website_url": "https://plin.pe",
      "category": "regional",
      "region": "latin-america",
      "coverage": "秘鲁",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Plin 是一家区域型支付服务商，覆盖秘鲁，支持即时出款、移动支付。公开费率：Free for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://plin.pe",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "low-fees",
        "regional",
        "即时出款",
        "秘鲁",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（费率较低，接入相对容易）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zebit",
      "name": "Zebit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Zebit 是一家传统收单/支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Merchant fees apply。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant fees apply",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "startup-friendly",
        "traditional",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jncb-pay",
      "name": "JNCB (Jamaica National)",
      "aliases": [],
      "website_url": "https://jncb.com",
      "category": "regional",
      "region": "latin-america",
      "coverage": "牙买加",
      "services": [
        "POS收单"
      ],
      "introduction": "JNCB (Jamaica National) 是一家区域型支付服务商，覆盖牙买加，支持POS收单。公开费率：定制(需询价) pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://jncb.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "POS收单",
        "active / raw import",
        "enterprise",
        "latin-america",
        "regional",
        "牙买加"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-justworks",
      "name": "Justworks",
      "aliases": [],
      "website_url": "https://justworks.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Justworks 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：$59/employee/month。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：$59/employee/month",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://justworks.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "startup-friendly",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mobipay-al",
      "name": "Albanian Mobile Payments (MobiPay)",
      "aliases": [],
      "website_url": "https://mobipay.al",
      "category": "regional",
      "region": "europe",
      "coverage": "阿尔巴尼亚",
      "services": [
        "移动支付",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Albanian Mobile Payments (MobiPay) 是一家区域型支付服务商，覆盖阿尔巴尼亚，支持移动支付、二维码支付、跨境汇款/出款。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mobipay.al",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "startup-friendly",
        "二维码支付",
        "出款",
        "移动支付",
        "跨境汇款",
        "阿尔巴尼亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "低（面向初创/小微，接入门槛低）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-embed",
      "name": "Embed",
      "aliases": [],
      "website_url": "https://embed.co",
      "category": "baas, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 直布罗陀 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Embed 是一家银行即服务(BaaS)服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.；fee model: interchange-plus。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: interchange-plus",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://embed.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "traditional",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "直布罗陀",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行即服务(BaaS)",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ocbc",
      "name": "OCBC",
      "aliases": [],
      "website_url": "https://ocbc.com",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, north-america, oceania, southeast-asia",
      "coverage": "阿联酋 | 澳大利亚 | 文莱 | 中国 | 英国 | 中国香港 | 印度尼西亚 | 日本 | 韩国 | 卢森堡 | 缅甸 | 中国澳门 | 马来西亚 | 菲律宾 | 新加坡 | 泰国 | 中国台湾 | 美国 | 越南",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "OCBC 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、文莱、中国、英国、中国香港等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://ocbc.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国台湾",
        "中国澳门",
        "中国香港",
        "信用卡",
        "借记卡",
        "卢森堡",
        "印度尼西亚",
        "文莱",
        "新加坡",
        "日本",
        "泰国",
        "澳大利亚",
        "缅甸",
        "美国",
        "英国",
        "菲律宾",
        "越南",
        "阿联酋",
        "韩国",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-renweb-facts",
      "name": "Renweb (FACTS)",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "Renweb (FACTS) 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款。公开费率：Per-family pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-family pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "周期扣款",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ipay-za",
      "name": "i-Pay (South Africa)",
      "aliases": [],
      "website_url": "https://i-pay.co.za",
      "category": "regional",
      "region": "africa",
      "coverage": "南非",
      "services": [
        "即时出款",
        "银行转账"
      ],
      "introduction": "i-Pay (South Africa) 是一家区域型支付服务商，覆盖南非，支持即时出款、银行转账。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://i-pay.co.za",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "南非",
        "即时出款",
        "银行转账"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lyf-pay",
      "name": "Lyf Pay",
      "aliases": [],
      "website_url": "https://lyf.eu",
      "category": "regional",
      "region": "europe",
      "coverage": "法国",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Lyf Pay 是一家区域型支付服务商，覆盖法国，支持即时出款、移动支付。公开费率：Merchant pricing 视情况而定。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Merchant pricing 视情况而定",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lyf.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "instant-payout",
        "regional",
        "即时出款",
        "法国",
        "移动支付"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-belmoney",
      "name": "Belmoney",
      "aliases": [],
      "website_url": "https://bel.money",
      "category": "baas, regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Belmoney 是一家银行即服务(BaaS)服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bel.money",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行即服务(BaaS)",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-klover",
      "name": "Klover",
      "aliases": [],
      "website_url": "https://klover.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款"
      ],
      "introduction": "Klover 是一家传统收单/支付服务商，覆盖美国，支持即时出款。公开费率：Free with optional subscription。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free with optional subscription",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://klover.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "即时出款",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-nec-money",
      "name": "Nec Money",
      "aliases": [],
      "website_url": "https://necmoney.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "比利时 | 塞浦路斯 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 葡萄牙",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Nec Money 是一家区域型支付服务商，覆盖比利时、塞浦路斯、德国、爱沙尼亚、西班牙、芬兰等，支持信用卡/借记卡。公开费率：Zero fee on transfers to selected corridors; otherwise fixed per-transaction fees (e.g. £0.99) plus FX spread. No subscription.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Zero fee on transfers to selected corridors; otherwise fixed per-transaction fees (e.g. £0.99) plus FX spread. No subscription.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://necmoney.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "卢森堡",
        "塞浦路斯",
        "德国",
        "意大利",
        "拉脱维亚",
        "比利时",
        "法国",
        "爱尔兰",
        "爱沙尼亚",
        "立陶宛",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-network-for-good",
      "name": "Network for Good",
      "aliases": [],
      "website_url": "https://networkforgood.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "订阅",
        "周期扣款",
        "捐赠",
        "募捐",
        "众筹",
        "募资"
      ],
      "introduction": "Network for Good 是一家传统收单/支付服务商，覆盖美国，支持订阅/周期扣款、捐赠/募捐、众筹/募资。公开费率：From $99/month 加 processing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：From $99/month 加 processing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://networkforgood.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "north-america",
        "recurring-payments",
        "traditional",
        "众筹",
        "募捐",
        "募资",
        "周期扣款",
        "捐赠",
        "美国",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-uber-payments",
      "name": "Uber Payments",
      "aliases": [],
      "website_url": "https://uber.com",
      "category": "regional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 捷克 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 匈牙利 | 爱尔兰 | 意大利 | 荷兰 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Uber Payments 是一家区域型支付服务商，覆盖奥地利、比利时、捷克、德国、西班牙、芬兰等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://uber.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "enterprise",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "匈牙利",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "捷克",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "瑞典",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jomopay",
      "name": "JoMoPay (Jordan)",
      "aliases": [],
      "website_url": "https://cbj.gov.jo",
      "category": "regional",
      "region": "middle-east",
      "coverage": "约旦",
      "services": [
        "即时出款",
        "电子钱包",
        "移动支付"
      ],
      "introduction": "JoMoPay (Jordan) 是一家区域型支付服务商，覆盖约旦，支持即时出款、电子钱包、移动支付。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cbj.gov.jo",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "middle-east",
        "regional",
        "即时出款",
        "电子钱包",
        "移动支付",
        "约旦"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-privalgo",
      "name": "Privalgo",
      "aliases": [],
      "website_url": "https://privalgo.co.uk",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 意大利 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Privalgo 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://privalgo.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-socialpay-mn",
      "name": "SocialPay",
      "aliases": [],
      "website_url": "https://socialpay.mn",
      "category": "regional",
      "region": "asia",
      "coverage": "蒙古",
      "services": [
        "即时出款",
        "二维码支付"
      ],
      "introduction": "SocialPay 是一家区域型支付服务商，覆盖蒙古，支持即时出款、二维码支付。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://socialpay.mn",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "instant-payout",
        "regional",
        "二维码支付",
        "即时出款",
        "蒙古"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-roadsync",
      "name": "RoadSync",
      "aliases": [],
      "website_url": "https://roadsync.com",
      "category": "traditional",
      "region": "north-america",
      "coverage": "美国",
      "services": [
        "即时出款"
      ],
      "introduction": "RoadSync 是一家传统收单/支付服务商，覆盖美国，支持即时出款。公开费率：Per-transaction pricing。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction pricing",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://roadsync.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "north-america",
        "traditional",
        "即时出款",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kg-mobilians",
      "name": "KG Mobilians",
      "aliases": [],
      "website_url": "https://mobilians.co.kr",
      "category": "regional",
      "region": "asia",
      "coverage": "韩国",
      "services": [
        "移动支付"
      ],
      "introduction": "KG Mobilians 是一家区域型支付服务商，覆盖韩国，支持移动支付。公开费率：Per-transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Per-transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mobilians.co.kr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "enterprise",
        "regional",
        "移动支付",
        "韩国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（偏企业客户，需资质审核）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-katanox",
      "name": "Katanox",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "europe, north-america",
      "coverage": "奥地利 | 比利时 | 捷克 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 匈牙利 | 爱尔兰 | 意大利 | 卢森堡 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Katanox 是一家区域型支付服务商，覆盖奥地利、比利时、捷克、德国、西班牙、芬兰等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "匈牙利",
        "卢森堡",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "挪威",
        "捷克",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "瑞典",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kbzpay",
      "name": "KBZPay",
      "aliases": [],
      "website_url": "https://kbzpay.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "缅甸",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "KBZPay 是一家区域型支付服务商，覆盖缅甸，支持即时出款、电子钱包、二维码支付。公开费率：Low transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://kbzpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "regional",
        "southeast-asia",
        "二维码支付",
        "即时出款",
        "电子钱包",
        "缅甸"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bnkpro",
      "name": "BnkPro",
      "aliases": [],
      "website_url": "https://bnkpro.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "BnkPro 是一家传统收单/支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bnkpro.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hua-nan-commercial-bank",
      "name": "Hua Nan Commercial Bank",
      "aliases": [],
      "website_url": "https://hncb.com.tw",
      "category": "regional, traditional",
      "region": "asia, europe, north-america, oceania, southeast-asia",
      "coverage": "澳大利亚 | 中国 | 英国 | 中国香港 | 菲律宾 | 新加坡 | 中国台湾 | 美国 | 越南",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Hua Nan Commercial Bank 是一家区域型支付服务商，覆盖澳大利亚、中国、英国、中国香港、菲律宾、新加坡等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://hncb.com.tw",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional",
        "中国",
        "中国台湾",
        "中国香港",
        "信用卡",
        "借记卡",
        "新加坡",
        "澳大利亚",
        "美国",
        "英国",
        "菲律宾",
        "越南"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-zamtel-kwacha",
      "name": "Zamtel Kwacha",
      "aliases": [],
      "website_url": "https://zamtel.co.zm",
      "category": "regional",
      "region": "africa",
      "coverage": "赞比亚",
      "services": [
        "即时出款",
        "移动支付"
      ],
      "introduction": "Zamtel Kwacha 是一家区域型支付服务商，覆盖赞比亚，支持即时出款、移动支付。公开费率：Low transaction fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low transaction fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zamtel.co.zm",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "instant-payout",
        "regional",
        "即时出款",
        "移动支付",
        "赞比亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kh-payment-services",
      "name": "K&H Payment Services",
      "aliases": [],
      "website_url": "https://khpos.hu",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 捷克 | 德国 | 法国 | 克罗地亚 | 匈牙利 | 意大利 | 荷兰 | 波兰 | 罗马尼亚 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "K&H Payment Services 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、捷克、德国、法国等，支持信用卡/借记卡。公开费率：定制(需询价) merchant pricing on request; no public pricing published.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing on request; no public pricing published.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://khpos.hu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "匈牙利",
        "奥地利",
        "德国",
        "意大利",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "罗马尼亚",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bilderlings",
      "name": "Bilderlings",
      "aliases": [],
      "website_url": "https://bilderlings.com",
      "category": "regional, traditional",
      "region": "europe, north-america",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 匈牙利 | 爱尔兰 | 立陶宛 | 拉脱维亚 | 荷兰 | 挪威 | 波兰 | 罗马尼亚 | 瑞典 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Bilderlings 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、捷克、德国、爱沙尼亚等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bilderlings.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "匈牙利",
        "奥地利",
        "德国",
        "拉脱维亚",
        "挪威",
        "捷克",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-personal-pay-ar",
      "name": "Personal Pay (Argentina)",
      "aliases": [],
      "website_url": "https://personalpay.com.ar",
      "category": "regional",
      "region": "latin-america",
      "coverage": "阿根廷",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付",
        "跨境汇款",
        "出款"
      ],
      "introduction": "Personal Pay (Argentina) 是一家区域型支付服务商，覆盖阿根廷，支持即时出款、电子钱包、二维码支付、跨境汇款/出款。公开费率：Free for consumers。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Free for consumers",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://personalpay.com.ar",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "latin-america",
        "regional",
        "二维码支付",
        "出款",
        "即时出款",
        "电子钱包",
        "跨境汇款",
        "阿根廷"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-progresif-pay",
      "name": "Progresif Pay",
      "aliases": [],
      "website_url": "https://progresif.com",
      "category": "regional",
      "region": "southeast-asia",
      "coverage": "文莱",
      "services": [
        "即时出款",
        "电子钱包",
        "二维码支付"
      ],
      "introduction": "Progresif Pay 是一家区域型支付服务商，覆盖文莱，支持即时出款、电子钱包、二维码支付。公开费率：Low fees。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Low fees",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://progresif.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "instant-payout",
        "regional",
        "southeast-asia",
        "二维码支付",
        "即时出款",
        "文莱",
        "电子钱包"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-meme",
      "name": "MEME",
      "aliases": [],
      "website_url": "https://memetech.co.jp",
      "category": "regional, traditional",
      "region": "asia",
      "coverage": "日本",
      "services": [
        "订阅",
        "周期扣款"
      ],
      "introduction": "MEME 是一家区域型支付服务商，覆盖日本，支持订阅/周期扣款。公开费率：BankPay: no user-facing fees disclosed; school-fee service SukuPay charges institutions, not parents.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：BankPay: no user-facing fees disclosed; school-fee service SukuPay charges institutions, not parents.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://memetech.co.jp",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "recurring-payments",
        "regional",
        "traditional",
        "周期扣款",
        "日本",
        "订阅"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-alpha-fx",
      "name": "Alpha Group",
      "aliases": [],
      "website_url": "https://alphagroup.com",
      "category": "traditional",
      "region": "europe, north-america, oceania",
      "coverage": "澳大利亚 | 加拿大 | 德国 | 西班牙 | 英国 | 意大利 | 卢森堡 | 马耳他 | 荷兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Alpha Group 是一家传统收单/支付服务商，覆盖澳大利亚、加拿大、德国、西班牙、英国、意大利等，支持信用卡/借记卡。公开费率：定制(需询价) corporate pricing; spread-based FX margins on spot/forward trades. No public rate card.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) corporate pricing; spread-based FX margins on spot/forward trades. No public rate card.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://alphagroup.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "oceania",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "卢森堡",
        "德国",
        "意大利",
        "澳大利亚",
        "英国",
        "荷兰",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-imagor",
      "name": "Imagor",
      "aliases": [],
      "website_url": "https://static.cloudflareinsights.com",
      "category": "baas, regional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Imagor 是一家银行即服务(BaaS)服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://static.cloudflareinsights.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "regional",
        "保加利亚",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "银行即服务(BaaS)",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-alpha-omega",
      "name": "Alpha & Omega Money Transfer",
      "aliases": [],
      "website_url": "https://alphandomega.co.uk",
      "category": "regional, traditional",
      "region": "africa, europe",
      "coverage": "英国 | 加纳 | 冈比亚 | 尼日利亚 | 乌干达",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Alpha & Omega Money Transfer 是一家区域型支付服务商，覆盖英国、加纳、冈比亚、尼日利亚、乌干达，支持信用卡/借记卡。公开费率：定制(需询价) FX margin 加 transfer fee per corridor; no public rate card. Card payments via Klarna / Paysafe; bank transfer also accepted.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) FX margin 加 transfer fee per corridor; no public rate card. Card payments via Klarna / Paysafe; bank transfer also accepted.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://alphandomega.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "regional",
        "traditional",
        "乌干达",
        "信用卡",
        "借记卡",
        "冈比亚",
        "加纳",
        "尼日利亚",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-accesspay",
      "name": "AccessPay",
      "aliases": [],
      "website_url": "https://accesspay.com",
      "category": "baas, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "AccessPay 是一家银行即服务(BaaS)服务商，覆盖英国，支持银行即服务(BaaS)。公开费率：Fixed annual subscription; no per-transaction fees. Pricing based on transaction volume bands, bank connections, payment schemes and users.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fixed annual subscription; no per-transaction fees. Pricing based on transaction volume bands, bank connections, payment schemes and users.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://accesspay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "traditional",
        "英国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-meta",
      "name": "Meta Pay",
      "aliases": [],
      "website_url": "https://meta.com",
      "category": "traditional",
      "region": "africa, asia, europe, latin-america, middle-east, north-america, oceania, southeast-asia",
      "coverage": "全球",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Meta Pay 是一家传统收单/支付服务商，覆盖全球，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://meta.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "latin-america",
        "middle-east",
        "north-america",
        "oceania",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "全球"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sable-fx",
      "name": "Sable International FX",
      "aliases": [],
      "website_url": "https://sableinternational.com",
      "category": "regional, traditional",
      "region": "africa, europe, north-america, oceania",
      "coverage": "澳大利亚 | 加拿大 | 英国 | 美国 | 南非",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sable International FX 是一家区域型支付服务商，覆盖澳大利亚、加拿大、英国、美国、南非，支持信用卡/借记卡。公开费率：Bespoke per-transfer pricing; competitive exchange rates with low transfer fees disclosed up front, no published tariff.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Bespoke per-transfer pricing; competitive exchange rates with low transfer fees disclosed up front, no published tariff.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sableinternational.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "north-america",
        "oceania",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "南非",
        "澳大利亚",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-westpac",
      "name": "Westpac",
      "aliases": [],
      "website_url": "https://www.westpac.com.au/",
      "category": "merchant acquiring, online payments, EFTPOS",
      "region": "Oceania",
      "coverage": "Australia, New Zealand",
      "services": [
        "OnlinePay",
        "payment links",
        "hosted checkout",
        "cards",
        "digital wallets",
        "EFTPOS",
        "merchant settlement reports"
      ],
      "introduction": "Westpac 为澳大利亚和新西兰商户提供线上支付、支付链接、EFTPOS、银行卡和商户收单服务，适合已有 Westpac 企业账户或本地经营主体的商户。",
      "fee_note": "澳大利亚 OnlinePay 官网公开 Visa/Mastercard 及数字钱包交易 1.4%/笔，无锁定合同、设置费或月费；新西兰商户服务费按 Blended 或 Interchange Plus 模式。",
      "settlement_note": "澳大利亚 OnlinePay 支持符合条件账户 same-day settlement，日切为悉尼时间 20:00；新西兰商户费用和到账按当地商户协议。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/onlinepay/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Australia",
        "New Zealand",
        "OnlinePay",
        "acquiring",
        "active / raw import",
        "oceania",
        "regional",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-amnis",
      "name": "amnis",
      "aliases": [],
      "website_url": "https://amnistreasury.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 瑞士 | 捷克 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 爱尔兰 | 意大利 | 列支敦士登 | 卢森堡 | 荷兰 | 波兰 | 葡萄牙 | 瑞典",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "amnis 是一家传统收单/支付服务商，覆盖奥地利、比利时、瑞士、捷克、德国、西班牙等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://amnistreasury.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "列支敦士登",
        "卢森堡",
        "奥地利",
        "德国",
        "意大利",
        "捷克",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "瑞典",
        "瑞士",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-geoswift",
      "name": "Geoswift",
      "aliases": [],
      "website_url": "https://www.geoswift.com/",
      "category": "cross-border payments, China payout, business collections",
      "region": "Asia Pacific, Global",
      "coverage": "CA, CN, GB, HK, SG, US",
      "services": [
        "cross-border payments",
        "business collections",
        "payouts",
        "FX",
        "education payments",
        "China local payout"
      ],
      "introduction": "Geoswift 是跨境支付技术公司，重点连接亚太和中国支付网络，提供企业跨境收款、付款、外汇和教育支付等解决方案。",
      "fee_note": "官网未公开统一费率，企业解决方案通常按业务类型、收付国家、币种和交易量报价。",
      "settlement_note": "官网公开 110+ 本地付款币种、140+ 国家和地区以及中国 4000+ 本地网点；具体结算和到账需按方案确认。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.geoswift.com/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "China",
        "active / raw import",
        "asia",
        "cross-border",
        "europe",
        "north-america",
        "payouts",
        "regional",
        "southeast-asia",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-bank-of-baroda",
      "name": "Bank of Baroda",
      "aliases": [],
      "website_url": "https://bankofbaroda.bank.in",
      "category": "regional, traditional",
      "region": "asia, europe, middle-east, oceania",
      "coverage": "阿联酋 | 澳大利亚 | 英国 | 印度",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Bank of Baroda 是一家区域型支付服务商，覆盖阿联酋、澳大利亚、英国、印度，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bankofbaroda.bank.in",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "oceania",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "印度",
        "澳大利亚",
        "英国",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-booking-holdings-financial-services",
      "name": "Booking Holdings Financial Services",
      "aliases": [],
      "website_url": "https://partner.booking.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "奥地利 | 比利时 | 保加利亚 | 塞浦路斯 | 捷克 | 德国 | 爱沙尼亚 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 克罗地亚 | 匈牙利 | 爱尔兰 | 冰岛 | 意大利 | 列支敦士登 | 立陶宛 | 卢森堡 | 拉脱维亚 | 马耳他 | 荷兰 | 挪威 | 波兰 | 葡萄牙 | 罗马尼亚 | 瑞典 | 斯洛文尼亚 | 斯洛伐克",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Booking Holdings Financial Services 是一家区域型支付服务商，覆盖奥地利、比利时、保加利亚、塞浦路斯、捷克、德国等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://partner.booking.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "冰岛",
        "列支敦士登",
        "匈牙利",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "拉脱维亚",
        "挪威",
        "捷克",
        "斯洛伐克",
        "斯洛文尼亚",
        "比利时",
        "法国",
        "波兰",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "立陶宛",
        "罗马尼亚",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-breinrock",
      "name": "Breinrock",
      "aliases": [],
      "website_url": "https://breinrock.com",
      "category": "baas, traditional",
      "region": "europe, middle-east, north-america",
      "coverage": "阿联酋 | 加拿大 | 瑞士 | 塞浦路斯 | 捷克 | 英国 | 美国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Breinrock 是一家银行即服务(BaaS)服务商，覆盖阿联酋、加拿大、瑞士、塞浦路斯、捷克、英国等，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://breinrock.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "middle-east",
        "north-america",
        "traditional",
        "加拿大",
        "塞浦路斯",
        "捷克",
        "瑞士",
        "美国",
        "英国",
        "银行即服务(BaaS)",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-muthoot-finserve",
      "name": "Muthoot Global Pay",
      "aliases": [],
      "website_url": "https://mgpay.us",
      "category": "regional",
      "region": "asia, north-america, southeast-asia",
      "coverage": "美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Muthoot Global Pay 是一家区域型支付服务商，覆盖美国，支持信用卡/借记卡。公开费率：Variable per-transaction fee shown in the send-money calculator before confirmation; can be $0.00 on some corridors.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Variable per-transaction fee shown in the send-money calculator before confirmation; can be $0.00 on some corridors.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mgpay.us",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "north-america",
        "regional",
        "southeast-asia",
        "信用卡",
        "借记卡",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-qonto",
      "name": "Qonto",
      "aliases": [],
      "website_url": "https://qonto.com/",
      "category": "business account, payment links, Tap to Pay, SEPA transfers",
      "region": "Europe",
      "coverage": "AT, BE, DE, ES, FR, IT, NL, PT",
      "services": [
        "business account",
        "local IBAN",
        "SEPA transfers",
        "SWIFT transfers",
        "payment links",
        "Tap to Pay",
        "POS terminals",
        "cards",
        "Apple Pay"
      ],
      "introduction": "Qonto 是欧洲企业账户和支付工具平台，面向个体户和企业团队提供本地 IBAN、SEPA/国际转账、支付链接、Tap to Pay、POS 终端和银行卡。",
      "fee_note": "官网公开套餐从 Basic EUR 9/月起；支付链接示例费率为消费者卡 1.4% + EUR 0.25、商业卡 2.2% + EUR 0.25；Tap to Pay 欧盟消费者卡 0.7%、商业和非欧盟卡 2.6%。",
      "settlement_note": "Tap to Pay 页面公开资金次工作日可用；SEPA、SWIFT 和国际转账到账依付款类型、国家和合作伙伴 Wise 规则。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://qonto.com/en/pricing",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "Tap to Pay",
        "active / raw import",
        "baas",
        "business account",
        "europe",
        "payment links",
        "regional",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-bank-of-america",
      "name": "Bank of America",
      "aliases": [],
      "website_url": "https://business.bofa.com",
      "category": "traditional",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Bank of America 是一家传统收单/支付服务商，覆盖英国、美国，支持信用卡/借记卡。公开费率：定制(需询价) merchant pricing (interchange-plus or tiered); not publicly disclosed — quoted per merchant by Bank of America sales.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing (interchange-plus or tiered); not publicly disclosed — quoted per merchant by Bank of America sales.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://business.bofa.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "traditional",
        "信用卡",
        "借记卡",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-finom",
      "name": "Finom",
      "aliases": [],
      "website_url": "https://finom.co/",
      "category": "business account, cards, international transfers",
      "region": "Europe",
      "coverage": "AT, BE, DE, ES, FR, IE, IT, NL, PL, PT",
      "services": [
        "business account",
        "IBAN",
        "cards",
        "international transfers",
        "FX",
        "expense management",
        "invoicing"
      ],
      "introduction": "Finom 面向欧洲中小企业和自由职业者提供企业账户、IBAN、银行卡、国际转账、费用管理和发票工具。",
      "fee_note": "官网帮助中心提供套餐和价格说明；具体费用因国家、套餐、银行卡和国际转账类型而不同，需按当地价格页或账户内价格确认。",
      "settlement_note": "Finom 支持部分国家的国际收付款和跨境转账；帮助中心列出可用国家，具体到账取决于付款国家、币种和合作银行。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://help.finom.co/en/collections/2627181-plans-pricing",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "Europe",
        "active / raw import",
        "baas",
        "business account",
        "cards",
        "europe",
        "regional",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-a-place-in-the-sun-currency",
      "name": "A Place in the Sun Currency",
      "aliases": [],
      "website_url": "https://aplaceinthesuncurrency.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "阿联酋 | 奥地利 | 澳大利亚 | 比利时 | 加拿大 | 瑞士 | 塞浦路斯 | 德国 | 西班牙 | 芬兰 | 法国 | 英国 | 希腊 | 爱尔兰 | 意大利 | 卢森堡 | 荷兰 | 挪威 | 新西兰 | 葡萄牙 | 瑞典 | 美国 | 南非",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "A Place in the Sun Currency 是一家区域型支付服务商，覆盖阿联酋、奥地利、澳大利亚、比利时、加拿大、瑞士等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://aplaceinthesuncurrency.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "加拿大",
        "南非",
        "卢森堡",
        "塞浦路斯",
        "奥地利",
        "希腊",
        "德国",
        "意大利",
        "挪威",
        "新西兰",
        "比利时",
        "法国",
        "澳大利亚",
        "爱尔兰",
        "瑞典",
        "瑞士",
        "美国",
        "芬兰",
        "英国",
        "荷兰",
        "葡萄牙",
        "西班牙",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-blox",
      "name": "BLOX",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "crypto, regional",
      "region": "asia, europe",
      "coverage": "比利时 | 日本 | 荷兰",
      "services": [
        "加密货币"
      ],
      "introduction": "BLOX 是一家加密货币支付服务商，覆盖比利时、日本、荷兰，支持加密货币。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "asia",
        "crypto",
        "crypto-support",
        "europe",
        "regional",
        "加密货币",
        "日本",
        "比利时",
        "荷兰"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-skydo",
      "name": "Skydo",
      "aliases": [],
      "website_url": "https://www.skydo.com/",
      "category": "India cross-border receivables, virtual accounts",
      "region": "South Asia",
      "coverage": "India",
      "services": [
        "global bank accounts",
        "international receivables",
        "payment links",
        "FX",
        "FIRA",
        "virtual accounts"
      ],
      "introduction": "Skydo 面向印度出口商、SaaS、自由职业者和服务商提供国际收款，本地虚拟账户、实时汇率、FIRA 和 INR 结算。",
      "fee_note": "官网公开费用：USD 2,000 以下 USD 19 + GST，USD 2,001-10,000 为 USD 29 + GST，USD 10,000 以上为 0.3% + GST；大额可定制。",
      "settlement_note": "官网说明支持 150+ 国家付款，常见收款可在 24 小时内结算至印度银行账户；具体取决于付款方式和合规审核。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.skydo.com/contact-us/support",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "FIRA",
        "India",
        "active / raw import",
        "asia",
        "cross-border",
        "europe",
        "north-america",
        "oceania",
        "regional",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-hello-clever",
      "name": "Hello Clever",
      "aliases": [],
      "website_url": "https://helloclever.co",
      "category": "regional, traditional",
      "region": "asia, north-america, oceania, southeast-asia",
      "coverage": "澳大利亚 | 日本 | 新加坡 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Hello Clever 是一家区域型支付服务商，覆盖澳大利亚、日本、新加坡、美国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://helloclever.co",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "north-america",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "新加坡",
        "日本",
        "澳大利亚",
        "美国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-caixabank",
      "name": "CaixaBank",
      "aliases": [],
      "website_url": "https://caixabank.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "西班牙",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "CaixaBank 是一家区域型支付服务商，覆盖西班牙，支持信用卡/借记卡。公开费率：定制(需询价) merchant pricing; acquiring rails sold via Comercia Global Payments (Bank of Spain code 6802) through CaixaBank as agent. No public rate card.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：定制(需询价) merchant pricing; acquiring rails sold via Comercia Global Payments (Bank of Spain code 6802) through CaixaBank as agent. No public rate card.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://caixabank.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gulf-international-bank",
      "name": "Gulf International Bank",
      "aliases": [],
      "website_url": "https://gib.com",
      "category": "regional, traditional",
      "region": "europe, middle-east, north-america",
      "coverage": "阿联酋 | 巴林 | 英国 | 阿曼 | 沙特阿拉伯 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Gulf International Bank 是一家区域型支付服务商，覆盖阿联酋、巴林、英国、阿曼、沙特阿拉伯、美国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gib.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "middle-east",
        "north-america",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "巴林",
        "沙特阿拉伯",
        "美国",
        "英国",
        "阿曼",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-afro-international",
      "name": "Afro International",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "africa, europe, north-america",
      "coverage": "英国 | 冈比亚 | 几内亚 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Afro International 是一家区域型支付服务商，覆盖英国、冈比亚、几内亚、美国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "north-america",
        "regional",
        "信用卡",
        "借记卡",
        "冈比亚",
        "几内亚",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kabayan-remit",
      "name": "Kabayan Remit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "europe, north-america, southeast-asia",
      "coverage": "加拿大 | 英国 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Kabayan Remit 是一家区域型支付服务商，覆盖加拿大、英国、美国，支持信用卡/借记卡。公开费率：Transfer fees start at £2.99 (UK), US$2.99 (US) and C$3.99 (Canada); first transaction is free.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Transfer fees start at £2.99 (UK), US$2.99 (US) and C$3.99 (Canada); first transaction is free.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "regional",
        "southeast-asia",
        "信用卡",
        "借记卡",
        "加拿大",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sync",
      "name": "sync.money",
      "aliases": [],
      "website_url": "https://sync.money",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "sync.money 是一家区域型支付服务商，覆盖英国，支持信用卡/借记卡。公开费率：User-to-user transfers free and instant; GBP/EUR FX exchange offered without hidden fees per the product page.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：User-to-user transfers free and instant; GBP/EUR FX exchange offered without hidden fees per the product page.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sync.money",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-cimb-bank-berhad",
      "name": "CIMB Bank Berhad",
      "aliases": [],
      "website_url": "https://cimb.com.my",
      "category": "regional, traditional",
      "region": "asia, southeast-asia",
      "coverage": "马来西亚",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "CIMB Bank Berhad 是一家区域型支付服务商，覆盖马来西亚，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: interchange-plus。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: interchange-plus",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://cimb.com.my",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dex-remit",
      "name": "DEX Remit",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "africa, asia, europe, middle-east, southeast-asia",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "DEX Remit 是一家区域型支付服务商，覆盖英国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "asia",
        "europe",
        "middle-east",
        "regional",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-facebook-payments-international",
      "name": "Facebook Payments International (Meta Pay)",
      "aliases": [],
      "website_url": "https://meta.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "爱沙尼亚 | 英国 | 希腊 | 爱尔兰 | 葡萄牙 | 瑞典",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Facebook Payments International (Meta Pay) 是一家传统收单/支付服务商，覆盖爱沙尼亚、英国、希腊、爱尔兰、葡萄牙、瑞典，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://meta.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "希腊",
        "爱尔兰",
        "爱沙尼亚",
        "瑞典",
        "英国",
        "葡萄牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-boa-euroservices",
      "name": "BOA Euroservices",
      "aliases": [],
      "website_url": "https://dabatransfer.com",
      "category": "regional",
      "region": "europe",
      "coverage": "比利时 | 德国 | 西班牙 | 法国 | 意大利 | 荷兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "BOA Euroservices 是一家区域型支付服务商，覆盖比利时、德国、西班牙、法国、意大利、荷兰，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dabatransfer.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "德国",
        "意大利",
        "比利时",
        "法国",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-delivery-hero",
      "name": "Delivery hero",
      "aliases": [],
      "website_url": "https://deliveryhero.com",
      "category": "regional, traditional",
      "region": "europe, southeast-asia",
      "coverage": "希腊 | 菲律宾",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Delivery hero 是一家区域型支付服务商，覆盖希腊、菲律宾，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://deliveryhero.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "希腊",
        "菲律宾"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bnc",
      "name": "BNC",
      "aliases": [],
      "website_url": "https://bnc.fr",
      "category": "regional, traditional",
      "region": "africa, europe, latin-america",
      "coverage": "巴西 | 瑞士 | 多米尼加 | 法国 | 海地 | 科摩罗 | 圣马丁(法属) | 马达加斯加 | 留尼汪",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "BNC 是一家区域型支付服务商，覆盖巴西、瑞士、多米尼加、法国、海地、科摩罗等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bnc.fr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "latin-america",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "圣马丁(法属)",
        "多米尼加",
        "巴西",
        "法国",
        "海地",
        "瑞士",
        "留尼汪",
        "科摩罗",
        "马达加斯加"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-hsbc-bank-middle-east",
      "name": "HSBC Bank Middle East",
      "aliases": [],
      "website_url": "https://business.hsbc.ae",
      "category": "regional, traditional",
      "region": "africa, middle-east",
      "coverage": "阿联酋 | 科威特 | 卡塔尔",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "HSBC Bank Middle East 是一家区域型支付服务商，覆盖阿联酋、科威特、卡塔尔，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://business.hsbc.ae",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "middle-east",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "卡塔尔",
        "科威特",
        "阿联酋"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-telepass",
      "name": "Telepass",
      "aliases": [],
      "website_url": "https://telepass.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "西班牙 | 法国 | 克罗地亚 | 意大利 | 葡萄牙",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Telepass 是一家区域型支付服务商，覆盖西班牙、法国、克罗地亚、意大利、葡萄牙，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://telepass.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "克罗地亚",
        "意大利",
        "法国",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-remittven",
      "name": "RemittVen",
      "aliases": [],
      "website_url": "https://remittven.co.uk",
      "category": "regional",
      "region": "europe, latin-america",
      "coverage": "西班牙 | 英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "RemittVen 是一家区域型支付服务商，覆盖西班牙、英国，支持信用卡/借记卡。公开费率：Advertises zero transfer fee — revenue from FX spread (no fee, no hidden rate per homepage).。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Advertises zero transfer fee — revenue from FX spread (no fee, no hidden rate per homepage).",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://remittven.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "latin-america",
        "regional",
        "信用卡",
        "借记卡",
        "英国",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-aether",
      "name": "Aether Financial Services",
      "aliases": [],
      "website_url": "https://aetherfs.com",
      "category": "regional",
      "region": "africa, europe, middle-east",
      "coverage": "西班牙 | 法国 | 英国 | 意大利",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Aether Financial Services 是一家区域型支付服务商，覆盖西班牙、法国、英国、意大利，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://aetherfs.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "europe",
        "middle-east",
        "regional",
        "信用卡",
        "借记卡",
        "意大利",
        "法国",
        "英国",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-rafidain-bank",
      "name": "Rafidain Bank",
      "aliases": [],
      "website_url": "https://rafidain-bank.gov.iq",
      "category": "regional, traditional",
      "region": "africa, middle-east",
      "coverage": "阿联酋 | 巴林 | 埃及 | 伊拉克 | 约旦 | 黎巴嫩",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Rafidain Bank 是一家区域型支付服务商，覆盖阿联酋、巴林、埃及、伊拉克、约旦、黎巴嫩，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://rafidain-bank.gov.iq",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "africa",
        "middle-east",
        "regional",
        "traditional",
        "伊拉克",
        "信用卡",
        "借记卡",
        "埃及",
        "巴林",
        "约旦",
        "阿联酋",
        "黎巴嫩"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bnp-paribas",
      "name": "BNP Paribas",
      "aliases": [],
      "website_url": "https://group.bnpparibas",
      "category": "traditional",
      "region": "asia, europe, middle-east, oceania",
      "coverage": "阿联酋 | 澳大利亚 | 保加利亚 | 法国 | 英国 | 马来西亚 | 波兰",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "BNP Paribas 是一家传统收单/支付服务商，覆盖阿联酋、澳大利亚、保加利亚、法国、英国、马来西亚等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://group.bnpparibas",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "middle-east",
        "oceania",
        "traditional",
        "保加利亚",
        "信用卡",
        "借记卡",
        "法国",
        "波兰",
        "澳大利亚",
        "英国",
        "阿联酋",
        "马来西亚"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-airpay",
      "name": "Airpay",
      "aliases": [],
      "website_url": "https://airpay.co.in",
      "category": "regional, traditional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Airpay 是一家区域型支付服务商，覆盖印度，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://airpay.co.in",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "印度"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-eurochange",
      "name": "eurochange",
      "aliases": [],
      "website_url": "https://eurochange.co.uk",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "eurochange 是一家区域型支付服务商，覆盖英国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://eurochange.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-sepaga",
      "name": "Sepaga",
      "aliases": [],
      "website_url": "https://sepaga.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "塞浦路斯",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Sepaga 是一家区域型支付服务商，覆盖塞浦路斯，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://sepaga.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "塞浦路斯"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-ab-money",
      "name": "A&B Money",
      "aliases": [],
      "website_url": "https://abmoneyplus.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "A&B Money 是一家区域型支付服务商，覆盖英国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://abmoneyplus.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-reliance-bank",
      "name": "Reliance Bank",
      "aliases": [],
      "website_url": "https://reliancebankltd.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Reliance Bank 是一家传统收单/支付服务商，覆盖英国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://reliancebankltd.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-buckzy",
      "name": "Buckzy Payments",
      "aliases": [],
      "website_url": "https://buckzy.net",
      "category": "baas, traditional",
      "region": "asia, europe, north-america",
      "coverage": "全球",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Buckzy Payments 是一家银行即服务(BaaS)服务商，覆盖全球，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://buckzy.net",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "baas",
        "europe",
        "north-america",
        "traditional",
        "全球",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-gvs-prepaid",
      "name": "GVS Prepaid",
      "aliases": [],
      "website_url": "https://gvsprepaid.com",
      "category": "baas, regional, traditional",
      "region": "europe",
      "coverage": "英国 | 爱尔兰",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "GVS Prepaid 是一家银行即服务(BaaS)服务商，覆盖英国、爱尔兰，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://gvsprepaid.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "regional",
        "traditional",
        "爱尔兰",
        "英国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-bankinter-consumer-finance",
      "name": "Bankinter Consumer Finance",
      "aliases": [],
      "website_url": "https://bankinter.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "西班牙 | 爱尔兰 | 葡萄牙",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Bankinter Consumer Finance 是一家区域型支付服务商，覆盖西班牙、爱尔兰、葡萄牙，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://bankinter.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "爱尔兰",
        "葡萄牙",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-spend",
      "name": "Spend",
      "aliases": [],
      "website_url": "https://spend.com",
      "category": "baas, crypto",
      "region": "europe, north-america",
      "coverage": "英国 | 美国",
      "services": [
        "加密货币"
      ],
      "introduction": "Spend 是一家银行即服务(BaaS)服务商，覆盖英国、美国，支持加密货币。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://spend.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / due diligence",
        "baas",
        "crypto",
        "crypto-support",
        "europe",
        "north-america",
        "加密货币",
        "美国",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-okali",
      "name": "Okali",
      "aliases": [],
      "website_url": "https://okali.eu",
      "category": "baas, regional, traditional",
      "region": "europe",
      "coverage": "法国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Okali 是一家银行即服务(BaaS)服务商，覆盖法国，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://okali.eu",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "regional",
        "traditional",
        "法国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-circit",
      "name": "Circit",
      "aliases": [],
      "website_url": "https://circit.io",
      "category": "baas, regional",
      "region": "europe, north-america",
      "coverage": "英国 | 爱尔兰 | 美国",
      "services": [
        "银行即服务(BaaS)"
      ],
      "introduction": "Circit 是一家银行即服务(BaaS)服务商，覆盖英国、爱尔兰、美国，支持银行即服务(BaaS)。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://circit.io",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "baas",
        "europe",
        "north-america",
        "regional",
        "爱尔兰",
        "美国",
        "英国",
        "银行即服务(BaaS)"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（BaaS，需技术对接）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-xflow",
      "name": "Xflow",
      "aliases": [],
      "website_url": "https://www.xflowpay.com/",
      "category": "India cross-border receivables, multi-currency accounts",
      "region": "South Asia",
      "coverage": "India",
      "services": [
        "multi-currency accounts",
        "local collection",
        "FX",
        "INR settlement",
        "compliance support",
        "FIRA support"
      ],
      "introduction": "Xflow 面向印度企业提供全球收款和多币种账户，帮助商户从海外客户收款并以 INR 结算，配合 SOFTEX、EDPMS 等合规流程。",
      "fee_note": "官网价格页展示按发票金额分层的 Starter/Growth/Scale 方案，并强调无隐藏费用；具体费率需要以实时价格页和所选计划为准。",
      "settlement_note": "官网公开 Next-Day Noon Settlement，支持 24x7 提现和付款跟踪；实际到账取决于银行工作日和合规审核。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.xflowpay.com/pricing",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "India",
        "active / raw import",
        "asia",
        "cross-border",
        "multi-currency",
        "regional",
        "traditional"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-zpay",
      "name": "ZPAY",
      "aliases": [],
      "website_url": "https://zpay.it",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "意大利",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "ZPAY 是一家区域型支付服务商，覆盖意大利，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://zpay.it",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "意大利"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-wish",
      "name": "Wish",
      "aliases": [],
      "website_url": "https://wish.com",
      "category": "regional",
      "region": "europe, north-america",
      "coverage": "德国 | 西班牙 | 法国 | 英国 | 意大利 | 荷兰 | 美国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Wish 是一家区域型支付服务商，覆盖德国、西班牙、法国、英国、意大利、荷兰等，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://wish.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "north-america",
        "regional",
        "信用卡",
        "借记卡",
        "德国",
        "意大利",
        "法国",
        "美国",
        "英国",
        "荷兰",
        "西班牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-muthoot",
      "name": "Muthoot Global UK",
      "aliases": [],
      "website_url": "https://muthootgroup.co.uk",
      "category": "regional",
      "region": "asia, europe",
      "coverage": "英国 | 印度",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Muthoot Global UK 是一家区域型支付服务商，覆盖英国、印度，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://muthootgroup.co.uk",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "印度",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jubilee",
      "name": "Alpha Transfers",
      "aliases": [],
      "website_url": "https://alphatransfers.be",
      "category": "regional",
      "region": "europe, latin-america",
      "coverage": "比利时 | 巴西",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Alpha Transfers 是一家区域型支付服务商，覆盖比利时、巴西，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://alphatransfers.be",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "latin-america",
        "regional",
        "信用卡",
        "借记卡",
        "巴西",
        "比利时"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-jalandoni-changer",
      "name": "Jalandoni and Company",
      "aliases": [],
      "website_url": "https://jalandoniandcompany.com",
      "category": "regional, traditional",
      "region": "oceania, southeast-asia",
      "coverage": "澳大利亚 | 菲律宾",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Jalandoni and Company 是一家区域型支付服务商，覆盖澳大利亚、菲律宾，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: per-transaction。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: per-transaction",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://jalandoniandcompany.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "oceania",
        "regional",
        "southeast-asia",
        "traditional",
        "信用卡",
        "借记卡",
        "澳大利亚",
        "菲律宾"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-lumon",
      "name": "Lumon",
      "aliases": [],
      "website_url": "https://lumonpay.com",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "爱尔兰 | 葡萄牙",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Lumon 是一家区域型支付服务商，覆盖爱尔兰、葡萄牙，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://lumonpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "爱尔兰",
        "葡萄牙"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-brinks-payment-services",
      "name": "Brink's Payment Services",
      "aliases": [],
      "website_url": "https://brinkspayment.fr",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "法国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Brink's Payment Services 是一家区域型支付服务商，覆盖法国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.；fee model: 定制(需询价)",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://brinkspayment.fr",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "法国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-kwik",
      "name": "Kwik Transfer",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional, traditional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Kwik Transfer 是一家区域型支付服务商，覆盖英国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "traditional",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-mistral-pay",
      "name": "Mistral Pay",
      "aliases": [],
      "website_url": "https://mistralpay.com",
      "category": "traditional",
      "region": "europe",
      "coverage": "马耳他",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Mistral Pay 是一家传统收单/支付服务商，覆盖马耳他，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://mistralpay.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "traditional",
        "信用卡",
        "借记卡",
        "马耳他"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-glas",
      "name": "GLAS",
      "aliases": [],
      "website_url": "https://glas.agency",
      "category": "regional",
      "region": "europe",
      "coverage": "德国 | 法国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "GLAS 是一家区域型支付服务商，覆盖德国、法国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://glas.agency",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "德国",
        "法国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-currensea",
      "name": "Currensea",
      "aliases": [],
      "website_url": "https://currensea.com",
      "category": "regional",
      "region": "europe",
      "coverage": "英国",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Currensea 是一家区域型支付服务商，覆盖英国，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://currensea.com",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "英国"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-invoicemart",
      "name": "Invoicemart",
      "aliases": [],
      "website_url": "https://img.logo.dev",
      "category": "regional",
      "region": "asia",
      "coverage": "印度",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Invoicemart 是一家区域型支付服务商，覆盖印度，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://img.logo.dev",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "asia",
        "regional",
        "信用卡",
        "借记卡",
        "印度"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-win-win-solutions",
      "name": "Win Win Solutions",
      "aliases": [],
      "website_url": "https://winwinsolutions.cz",
      "category": "regional",
      "region": "europe",
      "coverage": "捷克",
      "services": [
        "信用卡",
        "借记卡"
      ],
      "introduction": "Win Win Solutions 是一家区域型支付服务商，覆盖捷克，支持信用卡/借记卡。公开费率：Fee details require provider confirmation.。结算：需向服务商确认（公开信息：Settlement details require provider confirmation.）。",
      "fee_note": "公开费率：Fee details require provider confirmation.",
      "settlement_note": "需向服务商确认（公开信息：Settlement details require provider confirmation.）",
      "contact": {
        "public_status": "public",
        "contact_url": "https://winwinsolutions.cz",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-15",
      "status": "reviewed",
      "confidence": "medium",
      "tags": [
        "active / raw import",
        "europe",
        "regional",
        "信用卡",
        "借记卡",
        "捷克"
      ],
      "ext": {
        "merchant_entity_requirement": "需向服务商确认主体与牌照要求",
        "access_threshold": "中（需向服务商确认具体开户/接入条件）",
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-15"
      }
    },
    {
      "id": "provider-dpo-pay-by-network",
      "name": "DPO Pay by Network",
      "aliases": [],
      "website_url": "https://dpogroup.com/",
      "category": "PSP, Africa payments, hosted checkout",
      "region": "Africa, Middle East",
      "coverage": "KE, UG, TZ, RW, GH, ZM, NA, BW, ZA, MU, MW, ZW, NG, CI, TN, CD, AE",
      "services": [
        "cards",
        "mobile money",
        "M-Pesa",
        "Airtel Money",
        "MTN",
        "Tigo Pesa",
        "bank transfer",
        "payment links",
        "hosted checkout"
      ],
      "introduction": "Network 旗下非洲 PSP，支持非洲 20+ 国家线上收款、跨境支付、托管收银台、支付链接、移动端收款和插件。",
      "fee_note": "官网未公开统一商户费率；需开户或联系销售确认。",
      "settlement_note": "官网文档称支持统一账户和结算流程，并提到 faster settlements；具体周期依国家和账户设置确认。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://dpogroup.com/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Africa",
        "hosted checkout",
        "mobile money"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-viva-com",
      "name": "Viva.com",
      "aliases": [],
      "website_url": "https://www.viva.com/",
      "category": "acquiring, merchant account, POS, gateway",
      "region": "Europe",
      "coverage": "AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IE, IT, LV, LT, LU, MT, NL, NO, PL, PT, RO, SK, SI, ES, SE, GB",
      "services": [
        "cards",
        "Apple Pay",
        "Google Pay",
        "PayPal",
        "Bancontact",
        "iDEAL",
        "Klarna",
        "Trustly",
        "Pay by Bank",
        "local payment methods",
        "POS"
      ],
      "introduction": "欧洲云端科技银行和收单服务商，提供线上支付网关、POS/Terminal、商户账户、IBAN 和商务卡。",
      "fee_note": "官网价格按国家展示；荷兰页面显示电商方案月费 EUR 0/4.99/12.99/19.99 等，账户充值 Visa/Mastercard/Maestro 1.9% + EUR 0.10，Amex 2.9% + EUR 0.10。",
      "settlement_note": "官网/帮助页显示相关方案支持 Real Time Settlement；Viva.com 钱包支付示例为确认付款次日入账至 business account。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://www.viva.com/en-eu/contact-support",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Europe",
        "POS",
        "acquiring"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    },
    {
      "id": "provider-bamboo-payment",
      "name": "Bamboo Payment",
      "aliases": [],
      "website_url": "https://www.bamboopayment.com",
      "category": "Latin America pay-in, payout, gateway",
      "region": "Latin America",
      "coverage": "Argentina, Bolivia, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Nicaragua, Panama, Paraguay, Peru, Uruguay",
      "services": [
        "card",
        "bank transfer",
        "wallet",
        "cash",
        "instant payment",
        "payout",
        "gateway"
      ],
      "introduction": "Bamboo Payment 提供拉美 pay-in、payout 和 gateway 能力，支持本地卡、转账、钱包、现金和即时支付等方式。",
      "fee_note": "官网文档未公开统一费率；Payout overview 表示定价和服务激活需联系本地专家。",
      "settlement_note": "Payout 文档公开部分国家实时处理，其他国家通常 T+1/T+2；具体取决于国家银行基础设施。",
      "contact": {
        "public_status": "public",
        "contact_url": "https://docs.bamboopayment.com/",
        "email": null,
        "phone": null
      },
      "updated_at": "2026-08-14",
      "status": "reviewed",
      "confidence": "high",
      "tags": [
        "Latin America",
        "gateway",
        "payouts"
      ],
      "ext": {
        "merchant_entity_requirement": null,
        "access_threshold": null,
        "public_profile_ready": true,
        "last_enriched_at": "2026-08-14"
      }
    }
  ]
}
