Do I need licenses to store other people's funds in a wallet on the site?

Question

Law in IT

I plan to add functionality that will allow replenishing the balance
1 The user will transfer funds to the company's pc account
2 He will be able to pay for the goods with these funds
3 He will see information about this in his personal account

Questions
1 Do I need a license for such storage
2 What if yes

Answer 1

The manager of one company transfers a certain amount of money to the PC of your company and sees this amount in his personal account on the site? Then the manager buys some goods from you and the amount in your personal account is debited?
In this case, no licenses are required, since the information on the site is only information, and all operations will be performed in the usual manner (Agreement, invoice, payment, invoice, etc.).
The only thing I would take into account is that when registering on the "one click" site, add the concept to the agreement, which would explain that ordering goods on the site = a regular order of goods, followed by payment and, accordingly, debiting money from the user's account.

Answer 2

This is not subject to licensing.
But there are questions:

1 The user will transfer funds to the company's pc account

- the funds became the income of this company. If this is a deposit, then this is in the direction of banking operations = a license is needed.

2 He will be able to pay for the goods with these funds

- how?
If this is not a deposit, then the person who transferred funds to this company must be at least the CEO or other authorized person to manage the funds.
Briefly, about the laws on the territory of the Russian Federation.
To implement this, you need to look in the direction of a non-profit partnership or the like, but this should be well thought out by lawyers who want good money. I think that I could help you implement everything from the side of legal security. But the reward is not small.

Answer 3

1 The user will transfer funds to the company's pc account

in the general case, this is an advance with all the resulting taxes, for example

2 He will be able to pay for the goods with these funds

from the moment of clause 1 - these are the funds of the recipient company and it will / may not be paid by him, but by the company ...

3 Information about this he will see in his personal account

it's no problem
. In more particular cases, you need to dig in the direction of agency activity, trusts, etc.