Payment via bank cards to different organizations - which APIs to work with?

Question

Payment systems

There are plans to write a B2B2C application, that is, it connects a consumer client with a service provider organization. The user (client-consumer) must pay through bank cards to these organizations. Organizations already accept payments via cards, but are not integrated with our application.
Organizations can (as far as I understand) have settlement accounts in different banks. For example, organizations A1, A2, A3 accept payments to accounts in banks B1, B2 and B3, respectively, and we provide the user with a single interface for selecting services. Money should not go through us, we only bind the parties.
Question: what APIs will you have to work with in this case? Is there (in Russia) a convenient system for making payments to the accounts of different organizations, or is it necessary to integrate the API of each bank (B1, B2, B3) separately?
The API only needs to make a transfer from the user's account (not through us, you can transfer it to the page of the processing company, etc.) and be able to verify that the payment was successful.

Answer 1

I remember thinking about the same idea))) -
Firstly, the activity falls under the license (Federal Law of June 27, 2011 N 161-FZ "On the National Payment System") in any case
Secondly, as far as I remember, you will have to connect each bank separately - Everyone has their own API.
And one more thing: An acquiring license is issued by major payment systems such as Visa, Mastercard and American Express, and gives the bank the right to process and clear transactions. To purchase an acquiring license, you will first need to go through the procedure for obtaining a banking license, and upon completion, purchase software for your payment gateway. The next step involves finding a chartered organization that can evaluate your software and certify you against the Payment Card Industry Data Security Standards (PCI DSS).
Once you have a banking license and a certified payment gateway, you can finally apply to major credit card issuers for an acquiring license. In the case of purchasing an acquiring license, you should contact the two largest payment systems Visa International and MasterCard International, in contrast to a license for issuing cards, which involves interaction with any issuer that can satisfy the needs of your customers. Once you have initiated the application process for an acquiring license from Visa and MasterCard, you will need to make a decision as to whether you wish to process other card issuers such as American Express, JCB and Diners Club (via Visa).