docs: more details for bank transfer (#148)

Author: QWRDA

docs/_en/finance/billing-and-payment.md

@@ -138,7 +138,11 @@ Now, your balance will be -¥409.24 (¥100 balance - ¥509.24 amount due). You c
 We offer a variety of payment methods.
 
 - **Alipay:** We recommend using Alipay for payment, it support credit and debit cards.
-- **Bank Transfer:** For organization developers in China, we support using bank transfer for payment. Please note that bank transfers require a 24-72 hour review time (which may be delayed in case of holidays), and real-time payment is not possible.
+- **Bank Transfer:** For organization developers in China, we support using bank transfer for payment:
+  - Your bank account name should be the same as your organization developer name, otherwise we will not add the amount to your account balance or refund it within 30 days.
+  - You need to **specify your Developer ID** when transferring funds so that we can quickly identify and prevent financial fraud, otherwise we will not add the transfer amount to your account balance, in this case **you have to submit a ticket and upload the corresponding bank statement**. 
+  - When the transfer is completed, you don't need to do anything, we will check the payment information and the amount, then add the transfer amount to your account balance and you will get the receipt via email.
+  - Bank transfer is subject to bank confirmation (may be delayed in case of holidays), real-time payment is not possible.
 - **Credit Card:** If you wish to pay by credit card, please use the credit card in Alipay.
 
 ### Outstanding

docs/_zh/finance/billing-and-payment.md

@@ -9,7 +9,7 @@ ref: finance-billing
 
 > **提示：**本文档价格计算的结果为预估值，最终费用可能略有出入。
 
-## 计费和账单 {#billing}
+## 计费方式 {#billing}
 
 和风天气开发服务的[标准订阅](/docs/finance/subscription/)采用按量计费的后付费模式，即按照你的每一次请求记录费用，你不需要提前预付大量资金，也不需要为用不到的服务买单，你只需要为你实际使用的部分付费即可。另外，按量计费的定价是阶梯价格，意味着你使用的越多，单次请求的价格越低。
 
@@ -155,7 +155,11 @@ ref: finance-billing
 我们提供多种支付方式。
 
 - **支付宝：**对于中国地区的用户，我们推荐使用支付宝进行支付。支持支付宝中绑定的信用卡、储蓄卡、余额以及花呗。
-- **银行转帐：**对于中国地区的企业开发者，我们支持使用银行转账进行支付。请注意，银行转账需要24-72小时的审核时间或以银行到账为准（如遇节假日可能会延后），无法做到实时支付。
+- **银行转帐：**对于中国地区的企业开发者，我们支持使用银行转账进行支付：
+  - 请使用与你帐号企业名称相同的企业向我们发起转账，否则我们不会将转账金额添加到你的可用额度或在30天内退款。
+  - 请在转账时**备注你的开发者ID**，以便我们能够快速的识别并防止金融欺诈，否则我们不会将转账金额添加到你的可用额度，此时**你需要提交工单并上传对应的银行流水单**。
+  - 当完成转账后，你无需任何操作，我们将在收到转账后核对付款信息和金额，之后将转账金额添加到账号可用额度中，你将收到邮件通知。
+  - 银行转账以银行到账为准（如遇节假日可能会延后），无法做到实时支付。
 - **信用卡：**如果希望使用信用卡支付，请使用上述支付宝中绑定的信用卡进行支付。
 
 ### 欠款 {#outstanding}