I want to make a system so that when transferring from card to card, a part remains with me?

Question

Payment systems

In general, I want to make sure that the user buys goods on the site. His funds first went to my card, the commission remained on my card, and all the rest of the money was sent to the seller's card.
Can this be implemented? If so, what languages ​​are needed and according to what scheme should the algorithm work?

Answer 1

Requirements for the activities of payment agents
Since the activity of payment agents is to accept funds, the law imposes special requirements on such organizations.
You need to open special accounts. It must be remembered that money from the agent's special account can only be transferred to the supplier's special account. There are penalties for violating this rule.
The agent is obliged to carry out the identification of payers.
The cash receipt of the paying agent must meet the requirements.
Paying agents are required to maintain a separate cash book for the funds received by them as part of the activities of the paying agent and form separate cash receipts for them. This money is not taken into account when calculating the cash limit and must be fully surrendered to the bank. From the moment of their receipt at the cash desk of the payment agent, the money belongs to third parties.
There are also separate requirements for payment agents who use payment terminals or ATMs in their work:
use CREs as part of a payment terminal, ATM;
register cash registers with the tax office;
apply a serviceable CCP and operate it in a fiscal regime;
issue a cashier's check;
maintain and store CCP documentation;
provide inspectors with access to the CCP and its documentation.
Between the supplier and the paying agent is, as you might guess, an agency agreement. The remuneration, as a general rule, is withheld directly by the agent.
But it is important to understand that if the agent receives cash from individuals, then the entire amount must be transferred to his special bank account (until this moment, you cannot deduct your remuneration). And already from the special account it will be possible to transfer funds to other accounts (clause 4, part 16, article 4 of the Law of June 3, 2009 No. 103-FZ). At the same time, 103-FZ does not specify to whose accounts funds can be debited.
This means that the paying agent must hand over to the bank all payments received from consumers for crediting to a special account, and only then transfer the commission due to him for the service rendered to his account.
Liability
If the paying agent does not transfer all the cash received from citizens to his special bank account (part 2 of article 15.1 of the Code of Administrative Offenses of the Russian Federation), he may be held administratively liable.
For such a violation, a fine is imposed:
for an organization - from 40,000 to 50,000 rubles;
for officials (chief accountant, and if he is not there - the head of the organization), entrepreneurs - from 4,000 to 5,000 rubles.
Note that individual entrepreneurs can be held liable only as officials. This follows from the definition of the category "officials", which is given in Article 2.4 of the Code of Administrative Offenses of the Russian Federation.
It is not excluded the simultaneous bringing to administrative responsibility of both the organization and its head. The legitimacy of such a position is confirmed by the letter of the Ministry of Finance of Russia dated March 30, 2005 No. 03-02-07 / 1-83 and arbitration practice (see, for example, the decisions of the FAS of the Moscow District dated July 14, 2005 No. KA-A40 / 6231-05 , Far Eastern District dated May 17, 2005 No. F03-A16 / 05-2 / 984, West Siberian District dated July 5, 2005 No. F04-4410 / 2005 (12792-A03-32)).
Thus, if you plan to accept money from individuals, carefully check your business model and determine if you are a paying agent (so that you will not be held liable later).
In turn, if the payment agent accepts cash in your favor, be sure to use a special bank account.
Is there still a wish?

Answer 2

Everything is simple. There are a lot of such systems all over the world and in Russia. The system is called BANK. But it's too late to open, now everything is being liquidated. 400 banks have been liquidated . :)
Look here, won't it work? https://kassa.yandex.ru/

Answer 3

Make a virtual balance - the user replenishes it, pays, and part of the money will go to you from here, and the rest - to the seller, who can then withdraw it. Much easier than doing such transactions.

Answer 4

Receiving money for goods and paying any parts to anyone are completely independent operations.
The scheme is called to sell, receive money and send it where it is necessary by hand, for example.
And payment on the site does not send money immediately to your card, for that matter. If we talk about official registration.
In the best case, your individual entrepreneur / LLC will receive the current account, and it’s not a fact that immediately and automatically.
If we are talking about paying in the black, for example, by receiving webmoney / kiwis / crypto, etc. then you generally get money to your account in them, and then you have to send it by hand or by script wherever you want.
up
If we are talking about a black sale with a transfer not through the site, but directly "transfer to <card number> 100 rubles for the goods."
In general, there are no schemes, everything is done by hand.

Answer 5

Language - any. I recommend the one on which the backend is already written. You have already described the algorithm. In fact, you need to set up processing with the bank. But it's easier to take a ready-made one.

Answer 6

It is best to negotiate with the seller about your commission.
The buyer will go directly to the seller on your ref. link, and you will be able to receive a specified percentage of his purchases. This is how Amazon and AliExpress work.
It's about responsibility and trust. The buyer risks not in one place (the Store), but in two: You (you will change your mind and just keep all the money for yourself) and the Store. Therefore, it is better when the Buyer communicates directly with the Store.

Answer 7

Google dropshipping (dropshipping) and do not like your brain.