whyapi pay

易支付兼容网关（个人收款码 + 到账监听自动确认 → 异步回调 new-api）。

• submit: https://pay.whyapi.top/submit.php
• mapi: https://pay.whyapi.top/mapi.php
• monitor auto-confirm: https://pay.whyapi.top/api/monitor/notify
• health: /healthz

对接 new-api：PayAddress 填 https://pay.whyapi.top。手机监控 App 填 monitor 地址 + Admin Token。