What is the best payment aggregator for individuals?

Question

Qiwi

I have a marketplace. The sellers lay out the goods, the client replenishes the money to the wallet of the trading platform (that is, mine), buys the goods, and the seller receives the amount from the sale, and I have a percentage of this transaction.
The turnover of the site is about 5KK per month, customers mainly use qiwi and cards, but qiwi constantly bans my wallets, so it’s difficult to work. Sellers in 99% of cases also withdraw money to QIWI.
What are the suitable payment aggregators for my case?
Requirements:
1. Individual
2. Low rate for replenishment and withdrawal
3. Withdrawal via API to QIWI /
Ps cards I don’t want to issue an IP and lose money because of this.