How to make a payment system with a pledge?

Question

Payment systems

Hello everyone, you need to make a payment system for the site according to the type: one user pledged a certain amount of money for work, this money is frozen and not sent to the contractor, when the contractor sends proof that the work is ready, this "frozen" money goes to him and is finally written off from client cards, as far as I understand, a similar pattern is used by freelance exchanges, tell me where to dig, how such systems are called, where to read about this, maybe there are ready-made libraries, thanks

Answer 1

it's called Escrow

Answer 2

It's not called bail, actually.
Anyway.
It's simple:
1) Withdraw money from the customer's account, put it on your account
2) At the end of all discussions, send it from your account to the contractor.
In this case, you, as an intermediary, are the guarantor of the transaction.
And without a guarantee, the scheme does not work. Not at all.
Because you need someone to make the decision.

Answer 3

In fact, money is immediately withdrawn through any payment system and this money is sent to the owner of the service to the account. You can still come up with 100,500 ways to enroll on the site. But the money always falls not on the site to the settlement account of an individual entrepreneur, LLC, JSC, etc. (the owner of the site).
And the site stupidly indicates the amount that was paid. It's not even money, it's so air. If the site is clumsy, you can hack it and charge yourself a million of this virtual money.
But when the contractor did not complete the task, and you ordered a return, then the return is returned minus the bank commission and other things. And it doesn’t come back automatically, but the owner of the site looks at your boil, if you really need a refund, he manually makes a refund from his account or from his payment system to your card or where you paid from.
You haven't really worked with it, and you don't even know the kitchen. Register at least for Quark.ru and deposit 500 rubles to find out how the system works

Answer 4

Can be done simply. The user replenishes the internal account on the site - it can be candy wrappers, meatballs or just virtual rubles in the wallet, to increase realism, if the system is for serious uncles. That is, real money first goes by transfer to your account. From this wallet, the user pays for the task. The money on the virtual wallet is frozen, and as a result, it is either transferred to another person or returned to the user. That is, you are already paying one of the two from your account.
You can make the option "transfer \ return directly to the card", or even make the point of replenishing the wallet implicit (when transferring and freezing, we automatically transfer the frozen amount into virtual currency and store it on the user's account, we show him how much is frozen). On the upwork, for example, there is generally one bank account, and they already distinguish in their database where whose.
Legal subtleties and nuances are possible, but this is no longer for me.

Answer 5

I don’t know what about other vendors, but for example, in Tinkoff Bank it works like this:
1) You make a request to ` https://securepay.tinkoff.ru/v2/Init`
The money is frozen, from the user’s side it looks like a write-off
Then two options
2.1) ` https://securepay.tinkoff.ru/v2/Confirm`
Confirmation of payment, the money is credited to the company's account, transparently for the client.
2.2. ` https://securepay.tinkoff.ru/v2/Cancel`
The payment is canceled, the client receives a refund