How to correctly implement the guarantor application in order to minimize the costs of transferring funds?

Question

Monetization

The easiest way is to transfer money first to the account of the web application, then to the account of the seller. It turns out that the commission is removed 2 times. Is there any way to minimize costs? I don’t understand anything about this (I don’t even know what the field of knowledge is called).

Answer 1

Commissions are bullshit against the background of how much the guarantor takes for himself.
So just drive through your account

Answer 2

called finance + accounting
hire someone who understands but there is no way for a guarantor without his account