Replenishment of the balance of the mobile application. What to choose?

Question

PHP

Good afternoon.
We are developing a mobile application with the possibility of payment. At the moment we are connecting Yandex money. Payments will be credited to your account. Yandex money commission 3.5%
Is there such a system in which payments will go not to a current account, but to some kind of wallet, for example, or directly to a card?
Or maybe there is a system where the commission is less than 3.5%
Thank you

Answer 1

to some wallet, for example, or immediately to a card

to an individual? this is a violation :)
your business, of course ..

Answer 2

I do not want to fence a large system until the application has fully taken root. And then it's all white