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加入Stripe信用卡付款嘅免責條款

沒問題，既然你的系統設計了「雙軌制」（PayMe 截圖對帳 + Stripe 信用卡收款），那麼在免責聲明中明確區分這兩種支付方式的責任就極度重要！特別是 Stripe 涉及海外網關、手續費扣除 (Transaction Fees) 以及令商戶最頭痛的「信用卡退款爭議 (Chargeback/Dispute)」[1][2]。

你只需要在原來的 **「2. 金流及交易免責聲明 / Financial and Transaction Disclaimer」** 中，加入以下條款即可：

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**2.4 第三方支付網關 (Stripe 信用卡付款) (Third-Party Payment Gateways - Stripe)**
本平台提供串接 Stripe 信用卡支付網關之功能。若商戶選擇啟用此功能，即表示商戶同意並須獨立遵守 Stripe 之服務條款（Stripe Services Agreement）及相關收費政策。
The Platform provides the functionality to integrate the Stripe credit card payment gateway. By opting to enable this feature, the Merchant agrees to and is independently bound by the Stripe Services Agreement and its associated pricing policies.

**2.5 信用卡交易手續費 (Credit Card Transaction Fees)**
商戶明白及同意，所有透過 Stripe 處理之信用卡交易，Stripe 將直接從交易金額中扣除其指定的交易手續費（例如但不限於每筆交易的特定百分比及固定附加費）。本平台不參與收取、亦無法退還該等第三方手續費。商戶如需將手續費轉嫁至終端客戶，須自行於後台設定並於結帳前向客戶清晰說明。
The Merchant understands and agrees that for all credit card transactions processed through Stripe, Stripe will directly deduct its designated transaction fees (including but not limited to a specific percentage and a fixed surcharge per transaction) from the transaction amount. The Platform does not collect, nor can it refund, such third-party fees. Should the Merchant wish to pass these surcharges on to the end-customer, it is the Merchant's sole responsibility to configure this in the backend and clearly disclose it to the customer prior to checkout.

**2.6 信用卡退款及爭議 (Chargebacks and Disputes)**
如終端客戶向其發卡銀行提出信用卡交易爭議或退款要求（Chargeback/Dispute），該等爭議之處理、舉證及潛在之罰款概由商戶與 Stripe 之間直接解決。本平台概不承擔任何因信用卡爭議所導致之資金扣押、退款損失或 Stripe 帳戶被封禁之責任。
In the event that an end-customer initiates a credit card transaction dispute or chargeback with their issuing bank, the handling, provision of evidence, and any potential penalties related to such disputes shall be resolved directly between the Merchant and Stripe. The Platform accepts no liability for any withholding of funds, loss from chargebacks, or suspension of the Merchant’s Stripe account resulting from credit card disputes.

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### 💡 Developer 小貼士：點解要加這 3 條？

1. **第 2.4 條 (割席)**：說明你只是提供了一個 API 接口（Connect），老闆娘是自己去開 Stripe 戶口的。
2. **第 2.5 條 (手續費免死金牌)**：很多老闆娘數學不好，收 $500 發現入帳只有 $480 幾蚊，就會來找你晦氣說「點解你個系統食咗我啲錢！」。這條文保障了那是 Stripe 收的，不是你收的 [1]。
3. **第 2.6 條 (Chargeback 保護)**：這是 Stripe 最恐怖的地方。如果客人惡意投訴（說沒做過療程），Stripe 會強行從老闆娘戶口扣回那筆錢，甚至加收罰款（Dispute fee）[2]。寫明這點，如果老闆娘遇到西客要求退款，她只能去找 Stripe 申訴，而不能要求你的系統賠錢。

這三條加進去之後，你在金流上的法律防禦網就堪稱完美了！你覺得這樣的英文及中文翻譯是否足夠專業？

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