How to organize the withdrawal of funds in the application?

Question

Android

Hello! The question is: How to organize the withdrawal of funds from the application to the user's bank card?
Ps the user has an account in the application, that is, the withdrawal occurs from a virtual account to a card. And as I understand it, all the money from the account is stored on the account of the application owner, that is, the withdrawal of funds occurs in this way: the money is withdrawn from my account and transferred to the user's bank card. So?

Answer 1

yes, this is how
Google pays you, you pay users

Answer 2

Depends purely on the country as it is regulated by law