Payment systems with mass payouts and low fees?

Question

Payment systems

Please advise a payment system where there are mass payments to the card of the Russian Federation.
I would also like to pay a minimum commission.
If there is just a percentage of any amount, it will be cool.

I have now settled on unitpay, but there are disadvantages:
- mass payments only for individuals. persons, in the future I would like to switch to legal. person (the user manually withdraws money to the RF card)
- a high percentage of 3.5% for replenishment and 2% for withdrawal, everything would be fine, but there are minimum commissions - 30 and 10 rubles, respectively. If the replenishment is 100 rubles, and there will be a majority of them, you still have to pay +30 rubles, plus 10 rubles for withdrawal - only 60 will remain, which is 40%. If it just took 5.5% in total, it would suit me.

I also considered yookassa, there are also massive physical payments. persons, the commission for replenishment +/- is the same, but nowhere did I find information about the minimum commissions, when the replenishment amount is small, and whether they exist at all. And also did not find information about the withdrawal commission. They don't answer questions.

Answer 1

Just work directly with banking APIs without a third party aggregate. (Write your own aggregator with blackjack and sh...)

Answer 2

write to Yandex for a commission
, you won’t find less, just shift the commission to users, this should not be a key factor / USP of the business, as it depends on a third-party structure