Is it possible to temporarily block funds on a card using the Visa API or Mastercard API without a fee?

Question

Payment cards

I am developing an application for setting goals by users, the essence is this: the user makes a money bet, if the goal is met, the money is returned, if not, the money goes to the application. The problem is that if you make a transfer and then return the funds, then there will be a commission, therefore, if most of the goals are met, the application will be unprofitable.

Answer 1

You need an acquiring service; it is provided by banks; as part of this service, you will be provided with direct pressure on plastic cards.
How will the services of card gateways like gateline.net work?
Through the API, you will be able to access the operations of blocking funds, withdrawing blocked funds, partial withdrawal of blocked funds and unblocking.