How to create a payment aggregate?

Question

Internet banking

Hello. I want to create a collaborative aggregator for my website. Why don't I want to use someone else's like robokassa? Because they take interest there, and, oddly enough, I sell goods on my website at the initial price. And advertising revenue. So I wanted to know how to create it so that I can accept payments by Visa, Mastercard, maestro, Qiwi, WebMoney. More precisely, my question is about what is happening under the hood of payment aggregators. That is, how is a request sent to a qiwi wallet to confirm the amount and is it possible to make it so that as soon as he paid the money went to a bank account or to my WebMoney wallet. Or so that there is still the possibility of SMS PAYMENT In general, what is there under the hood (legal and technical).
PS Sorry for the spelling

Answer 1

start with
well there
https://habr.com/ru/company/oleg-bunin/blog/354824/
the alignment is as follows:
in Cyprus at a horse percentage (4% there, compare with Robokassa) you can start with 30 euros,
everyone will spit , and first of all the USA (50+% of cards on the net)
in the USA start from 200k for a clear, understandable working business (yes, you will also need an Amer with an SSN number, two is better)
(30-200 is not "give away", but an insurance deposit ,
in fact, the equivalent of "give away" for the entire time of cooperation)
in general, it's easier to talk with Sberbank: well, there is a business plan
here and there, they will also take their 0.2% + 0.15 cents at least
the cheapest in WiChat with interest) ))))))))))
Well, actually, that's all
the dream of becoming an astronaut will have to be postponed

Answer 2

If you are selling something on the site and you just need to pay in different options, then you just need to connect to the payment systems directly through their api (webmoney, yandex, kiwi), this allows. Connect cards - by concluding an agreement with the bank.

Answer 3

As an option:
https://b2b.qiwi.com/payin/
You will not pull the creation of your service.