Choosing a payment system for a multilingual application?

Question

Payment systems

Hello! I am developing a mobile application in which payments for the provision of services between users will be made. Payment must be made in three ways: 1) bank cards 2) electronic money 3) payment from the internal balance of the application
This application will be launched in the CIS countries, Asia, Europe, the USA, in general, the whole world. The startup office is located in Russia. Tell me, which payment system should I consider for my case?

Answer 1

To start
In Russia, there are systems that split payments and pay themselves to the performers and the site - but they only work in Russia. Foreign ones will not work with a Russian company. Therefore, to start, it is easier to accept payments to your company, and make separate payments.
of individual entrepreneurs for the STS 6% + an agency agreement with
payers in Russia can normally only be done by legal entities (through regular payments) - for such it will be possible to pay tax only 6% of the size of your agency commission. those if the buyer pays 1000 rubles, the platform receives 200 rubles, and the contractor receives 800 rubles - then your tax is 6% of 200 rubles = 12 rubles tax.
Payments to individuals and foreign performers - you will not normally justify for the tax (maybe you will transfer them anyhow) - therefore you pay 6% of the total amount, those 6% of 1000 = 60 rubles tax.
Individuals in the Russian Federation can be paid via Yandex cash desk to accounts / cards / wallets
. There are no normal payments to other foreign counterparties, through a bank there is swift a commission of $ 30 (correspondents also bite off from banks) - it is unprofitable to send small amounts, so we use any available methods:
In all personal transfers, there are limits everywhere, it will not be possible to transfer a lot.
At Yandex checkout and Alfabank, be sure to ask the manager to open all the countries you need to accept cards - otherwise payments will not go through. After you work for a while, apply for the ability to disable 3DS for a number of countries, it helps a lot (immediately they don’t let you disable it because they need a positive payment history without chargebacks)
For normal operation:
Register an LLC in the USA,
open an account in the USA for the company
, connect stripe and paypal to accept payments
for payouts, ask artists to sign up with payoneer and give you their US virtual account details. and pay them money through the Internet bank, and when the turnover grows up, make an agreement with payoneer - they will give you api for payments, you will send one payment to them through the bank and pay the performers to their payoneer accounts