How to accept crypto payments on the site?

Question

API

Hello, I am creating a service where I want to accept payments using cryptocurrencies.
I found a couple of options, and I want those who know to explain a couple of points to me.
I see everything like this:
There are my wallets on the site, they are like a bank. DOGE BTC LTC
A person requests a deposit and is given a wallet address, which will send everything he receives to the corresponding wallet + notify the api about it. I draw this figure on the balance sheet for a person and, when requesting a withdrawal, I send it from my wallet to him.
Tell me right away, maybe there is already a system where, under the main wallet, they create sub-wallets and do not need to do this at home?
1) Blockchain.io site is like what I need, there is a convenient payment acceptance, it gives you a method that gives the address of the wallet, to which the dropped money will be sent to my personal wallet, and the web hook will come on the site.
Everything is clear here, but you need an api key that needs to be requested by the application, I sent the application, I'm waiting. Can you get it faster?
But what are we waiting for, let's move on.
2) I thought to do it myself through the api of each currency, but you yourself understand, a long option. As I understand it, all I can do is create a wallet, give the user a deposit, listen to the socket, and transfer money when it comes to this wallet, right?
3) CoinGate, the site is also almost what you need, I even managed to create a payment that I paid for, and I received a notification on api and I successfully drew a balance, but to withdraw funds, I need to verify the card ID, I have a paper passport :(
4) block .io
https://block.io/docs/payment_forwarder
It's not clear to me whether this is true or not.
This service has a limited number of wallets, but I think they will replenish often, how can I use 1 address for all users of the site?

Answer 1

https://www.savvy.io/