How to organize a payment scheme through a deposit in your personal account?

Question

PHP

Site with a personal account of users. It is necessary to implement the acceptance of payments from users to the account in the personal account as a deposit, with the possibility of a reverse withdrawal. Also, it is necessary to be able to block these funds before the transaction, which can last from one day to a month.
What system with the least losses and maximum convenience can implement this?
Examples,
freelance sites; extra income services like youdo;

Answer 1

Look, there are actually 2 questions here:
1. Implement payment acceptance - take any payment / aggregator and implement it.
Within your system, you implement accounting for receipts and debits of money for services.
2. Payback - that's where the pain is. The fact is that you can pay the user in 2 ways:
a) partial refund of the payment operation - the problem is that in all the payment systems known to me there is no api for this, as a maximum there is a personal account.
b) direct payment to the user - there are services with api, but from the point of view of the laws of the Russian Federation, this is the benefit of the user, therefore there is a 13% tax that you must pay for it.
* this is all true if we are talking about bank cards, there are ways for electronic money, albeit with commission losses.
Actually, I see 2 conditionally normal solutions:
or honestly tell users that withdrawing money is a pain.
or we don’t replenish the deposit, but use, for example, holding (minus - for periods up to 10 days everything works great, for periods longer - there are nuances with Russian banks)

Answer 2

on the right one: a framework that you own + native integration with payment systems and aggregators
in a quick way:
times: https://magento.com/paypal/complete-payment-solutions (all sorts of OSCommerce also have ready-made addons, and even (!) Wordpress )
two: scanlibs.com/python-django-payments

Answer 3

Yandex.Checkout has a ready-made “secure deal” ( https://kassa.yandex.ru/secure-deal): hold-confirmation-dishold or withdrawal (in fact, YouDo implements it: https://vc.ru/ n/ya-money-secure-deal)
And there is another option: a "combined" structure of holding + payment service (here we told in detail: https://yandex.ru/blog/money/rentmania-kak-uprosti.. .

Answer 4

Choose holding - many banks have it