Choosing a payment gateway for an auction?

Question

Payment systems

I am developing a marketplace for selling art objects in the auction format.
Accordingly, I need my clients to be able to put their goods up for auction and, in case of a successful sale, receive money minus commissions on their cards.

The platform is international, only cards (visa / mc) are of interest from the PS, but the possibility of input from cards and output to cards around the world is fundamental.
I build a white business, it is possible to register a legal entity and bank accounts both in the Russian Federation and in Europe.
Several days of searching for a gateway did not bear fruit, so I'm asking for advice.

Accordingly, there are two options:
CTB replenishment to my account, then, upon completion of the processing of the goods, transfer of B2C to the seller
Or C2C with a commission regulated by me with a hold (escrow) on the buyer's account until confirmation of receipt of the goods, then either write-off or cancellation of the hold.

Answer 1

there is no such thing
, look at Yandex Cashier with their payments, but there will be no world
around the world - paypal is the easiest, study how you may have to keep separate offices in the EU and RU and the transfer mechanism between them, it’s easier - immediately to the EU, accept from cards, send to paypal + with offices like transferwise and other Lithuanians you can talk about transferring to cards / accounts to users around the world where paypal does not roll

Answer 2

Cards are not everywhere the main payment method
See https://www.adyen.com/knowledge-hub/guides/global-...
1) CTB replenishment to my account, then when the goods are processed, B2C transfer to the seller.
This option gives you the most freedom. You can connect as many ways as you like to accept payments and withdraw money to sellers + any currencies of payments and accept payments + any countries of payers and sellers.
Accepting payments - stripe, adyen, braintree
Payouts - Payoneer, Currencycloud, payment rails, transferwise, revolut
The downside is that taxation and avoiding fraud is more difficult. It is necessary to correctly choose the jurisdiction of the country of companies (USA, EU, Hong Kong, Singapore) so that there are not many difficulties with taxes and at the same time there is access to the payment infrastructure. Large companies have holdings from several companies in different countries in order to pay less taxes. As an example, take a look at https://medium.com/dconstrct/how-uber-google-faceb...
To start with a small budget - accept payments through stripe (there are a lot of currencies + popular payment methods) and payouts to local bank accounts, details which Payoneer gives (dollar, euro, pounds, etc.) - Payoneer works in a bunch of countries and allows you to withdraw money converted into local currency to a local bank account.
The jurisdiction of registration of your company is the European Union or the United States (this is not to reduce taxes, but to access the payment infrastructure).
2) C2C with a commission I regulate with a hold (escrow) on the buyer's account until confirmation of receipt of the goods
The list of supported seller countries, payment methods and currencies, payout methods and currencies for sellers is limited by your payment gateway. An example is Stripe Connect. You will be dependent on the gateway - and these are risks.
3) The buyer pays directly to the seller, and the marketplace bills the seller separately for their services.
Example - In some countries, etsy and ebay where they cannot make payments, accepting payments through their payment system (Like Stripe Connect) allow sellers to accept payments to their personal PayPal account and bill the seller once a month for their services. The list of merchant countries, currencies and withdrawal methods is limited by the payment gateway.
You will be dependent on this gateway - and these are the risks. Merchants will need to make an effort to make a payment account.