How to correctly implement a balance/account on the site, for replenishment in rubles and further purchase of services at the expense of the balance?

Question

Payment systems

I am thinking about the implementation of payments not immediately, but with the creation of an account on the site and further payment through the system, there is of course the option of buying "candy wrappers" with packages and further payment through these "fakntikof", but on some sites there is simply an account in rubles, for example, on nick .ru, where you transfer money to an account and then pay from it. Perhaps someone has come across such a method, and is familiar with the nuances both in terms of development and legal, how it works, where the client’s money is stored, whether the balance is tied to some real amount, and so on. I will be glad for any information

Answer 1

On legal aspects - it to the lawyer.
Moreover, an offer contract for this case should be published on your website. A lawyer at an inexpensive price (5 years ago it cost me 3,000 rubles in total) will formulate this contract for you.
Whether to display prepayment in the form of candy wrappers or in the form of real money depends on your marketing. From the degree of seriousness or playfulness of the project.
In particular, for example, I would not like it very much if the prepayment to my hosting provider was displayed on his site in the form of candy wrappers.
In fact, the money that you will be paid in advance is already in your personal account (the account of your company).
The fact that they are displayed as being on users' accounts is just a formality. Or, one might say, they are virtual on customer accounts.
However, in some activities (for example, when you are an intermediary and receive payment for utility bills or for a telephone) - this money should be in a special account https://oborot.ru/articles/vsya-pravda-o-schete-40..
.Consult your accountant .

Answer 2

Money is stored in your cash register or qiwi (xs, where do you store it). And on the site, this money is stored in the database in the form of numbers.