Online payments in the application without legal entities, banks, reporting?

Question

Android

Hello. I have a question about online payments in the app. At the moment I am developing an application with the following very simplified meaning:
The customer places an order, the contractor fulfills this order. But there is a risk here - the customer may disappear / refuse the order, and in this case the contractor will incur losses. The "insurance" of the performer is necessary for such cases. To do this, the customer must deposit $ 5 to his account. In an insured event, these $ 5 must go to the contractor. The developer (application) does not receive any money. But if desired, the customer should be able to return this money if the insured event has not occurred.
The next question is, is it possible to implement this with minimal (legal) participation of the application and the developer? Those. maybe there are some services that can store money and, if necessary, return payments and redirect where needed? In the application, you only need to show the account balance and need a button to replenish / return "insurance" funds. I really do not want to get involved with banks, with the registration of a legal entity, reporting.
I repeat once again: I am not going to leave any profit for myself from these payments.
I apologize if I phrased the question badly.

Answer 1

Options
1) each of your performers can create their own account in the payment system and give you an API password so that you can manage payments from their accounts, but then the essence of your "insurance" is lost - since access is not only for you, but also for performers - then they can simply not return any payment. Therefore, such a simple option is not very suitable for you.
2) Do it yourself
For this model, there is a small list of specialized services that work according to the "marketplace" or "safe deal" model - where the platform acts as an arbitrator and can receive a commission. but there are few such services and all of them, as a rule, will require an individual entrepreneur / legal entity from you, but their plus is that the money of customer performers may not touch your company's account - so there are not too many tax consequences foreseen.
Example
https://oplata.tinkoff.ru/solution/safe-deal/
https://oplata.tinkoff.ru/solution/marketplace/
To make a safe transaction, clear rules are needed and someone must always be an arbiter to decide who is right - and the site becomes the arbiter, and this, accordingly, you bear some costs and it is logical then that the site takes a percentage for this.
3) Give a safe deal to a partner service
example https://www.safecrow.ru/partners