How to make payments to users from your site?

Question

Fintech

How to withdraw funds to users from your site?
Suppose that an individual has created a website where he sells some kind of utility, such as courses. This type of activity is defined by law as the sale of intellectual property. To do this, you do not need to have either an individual entrepreneur or a license from an educational organization.
An individual decides to create a referral program on their website. How can he withdraw funds to partners?
Let's assume that payments on the site are accepted through serais robokassa, I don't know if this is important, but let it be. From the funds received from the sale, an individual pays tax and withdraws money.
How to make payments to partners? Can this be done by an individual or do you need to register as an organization? How to technically draw a conclusion? In some webmoney to sit and manually deal with each transaction? Are there services that automate payments? What about taxes, is it possible to withdraw money to partners before paying the tax?
Should I warn partners that they have to pay taxes or is it their own business?
Thanks for answers!

Answer 1

individual? legally - no way
Legal entity? with hemorrhoids for users

Answer 2

Yandex money has api for direct transfer from wallet to wallet.
Available to everyone after passing the authentication of personal data on the passport.

Answer 3

This type of activity is defined by law as the sale of intellectual property. To do this, you do not need to have either an individual entrepreneur or a license from an educational organization.

It is the results of creative work that can be sold as a private individual.
Creative work != Intellectual property.

Answer 4

It's simple, you need to work with aggregators that connect individuals and give payments.
One of these cases was considered here Payment acceptance service with mass payments for individuals?
In fact, most of the above is only partially true. You do not need to pay taxes either as a lawyer or as a physicist, even in the Russian Federation, when payments are accepted through an aggregator that is a non-resident of the Russian Federation. That is the law.
In short, you only pay taxes when you manage your personal funds in your accounts. While the money is in transit accounts, legally they do not belong to either the recipient or the sender, they are the property of the aggregator under an agreement with the processing bank.
The merchant, on the other hand, owns them partially, due to the fact that he has an agreement with the aggregator, but he is not yet responsible for paying taxes, since it is not known to whom and to which country these funds will be sent, and each country has its own tax laws.
This can be compared with the account of Paypal, Payments, WebMoney and others, as long as the money is there, even though you are a physicist, even a lawyer, taxes are not paid, as soon as they get to a personal account in a bank in Europe, the USA, Russia, etc., then the story with taxes. But this does not cancel the verification process when connecting to the aggregator, i.e. providing data about a merchant company or an individual.