How to implement user balance in my web application?

Question

Payment systems

During the development of the application, a trivial task arose - to implement the user's balance. So that he could replenish the balance and spend on the services of the service. The application is self-written, on NodeJS. But I really don't want to develop such a system right from scratch. Are there any cloud services that provide Accounting As A Service?
I found only one, but it seems to have been abandoned for like 3 years - subledger.com.
I do not believe that absolutely every company develops such solutions from scratch.
How to implement this with the least cost of man-hours?

Answer 1

Instead of an internal balance, you can implement payment for services using any payment aggregates, the same Ya.Kassa, UnitPay and others. Thus, you will not have to accept and store funds of other users, and this is a plus for users in that they can directly pay for services in any way available to them.

Answer 2

Who is Hydra for?
Professional payment processing and security solutions