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youdo uses this service for these purposes http://edinayakassa.rf/
it would be API - stores would not be needed
from card to card there is no
maximum from account to card (difficult, but it seems to offer enough merchants)
and from card to account
No bank will give external access for arbitrary withdrawal of money from the card.
Only through the personal account of the bank / through the application of the bank.
You can implement it indirectly:
The first API is provided by any payment system that will provide you with an Internet acquiring service.
The second API is provided by your bank.
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