How to arrange payment from account to account?

Question

Payment systems

Two similar questions are interesting:

1. How can I automate transfers from account to account? I'm not specific right now. Presumably, Yandex Kassa will be used on the site. Or maybe not... Haven't decided yet. Maybe Yandex Wallet will be tied to the payment system, or maybe a bank card. How convenient it will be. So the user pays for a certain service and the money goes to some main wallet (to which the payment system is attached), and after that you need to automatically transfer this money to the order executor. Here is the question. I don't know how it is possible in automatic mode...

2. What about the return of money? Let's say a user paid for a service through a payment system (for example, the same Yandex Checkout), and then he didn't like something and he wants a refund. Is it possible for him to automatically return the money somehow, or should the store administrator ask him for details and manually transfer it to him?

Answer 1

1) API, official, virtual or semi-automatic, the main thing is that you don’t legally break firewood when you owe tax
2) you can use a card or account as in paragraph 1: API (three options)