What are the solutions for accepting payments online that do not contradict Federal Law-54?

Question

Payment systems

What are the solutions for accepting payments online that do not contradict Federal Law-54?
Restrictions:
- I do not want to physically buy a cash register. Let someone else manage. And then I am tormented by paying fines due to the lack of the Internet, etc. beyond my control.
- Now I use Robokassa. But Sberbank-online "spoiled" individuals with transfers by phone number. I would like the service to somehow be able to operate with them. When an individual sees that he needs to enter numbers from the card , something strange happens to most of them, maybe they even lose consciousness. The physical person for the store is lost.
It turns out something like this scheme, when a person enters into some form:
- phone number where the payment is;
- phone number where the payment is from, after which a list of banks for selection pops up (those banks that have identified their client and are able to make payments by phone number, for example, SB);
- the amount and press "pay". Confirmation by SMS number.

Answer 1

Such a solution does not exist in the nature of aggregators. Only if you do not collect it yourself, as some electronic exchangers do. For this, you will need to open an account in each bank and accept payments from buyers to it, or use the services of exchangers who sell their services about this and then you don’t need to open anything, they will transfer your money to your card or wallet.

Answer 2

What does the transfer by phone number have to do with the purchase?
These are different operations.