How to organize deposit/withdrawal of funds for site users?

Question

Payment systems

The future site is a marketplace of services for individuals (Russia). Each user has a virtual account on the site. "Clients" order a service (consultation) and agree to pay for it. The amount is blocked on the client's virtual account. "Specialists" provide a service. After the completion of the service, the amount is transferred from the virtual account of the "client" to the account of the "specialist". "Specialist" has the ability to withdraw money from his account.
How to organize such a structure of transactions? Are there any "pitfalls" with the so-called. legislation?
I will be very grateful for the answer.

Answer 1

Usually in such cases, the marketplace company says which electronic payment systems it is ready to transfer funds to. Further, a corporate account is created in this payment system and all necessary transfers are made from it. And from the payment system further, customers can already withdraw money to the card.
Or, you sign an agreement with each client who needs to transfer money and transfer money by interbank transfers from the company's account.