What is the best payment aggregator or connect it yourself?

Question

Payment systems

Advise and point out the pros and cons of each of the approaches:
Is it better to connect a payment aggregator or write it yourself using the API?
The purpose of this action: The user will be able to replenish his internal account on the site, as well as perform the opposite operation - withdrawal of funds from the site + in this case, a commission will be charged by the site (application) itself. Hence the question: as I understand it, the aggregator also takes a commission? In this case, will there be a double commission per user from the site and the aggregator?
What is the best way to do it, what do you think?

Answer 1

If you have resources, connect the necessary payments directly.

Answer 2

Himself is better.
But more difficult.
Why You Need It?

Answer 3

In this case, will there be a double commission per user from the site and the aggregator?

Yes.
Connect the most popular payment systems directly, the rest through the aggregator.

Answer 4

Connect the aggregator. You can immediately work with all payment methods and it will work out faster.
Then, gradually, replace the main income channels with direct contracts.

Answer 5

aggregator:
+ it is easier to connect many payments
+ one support point if there are problems
+ one contract for everything
- the commission can be higher
- if the aggregator itself has problems - you will not receive money.
- sometimes the support of the aggregator is not adequate
+ sometimes through the aggregator you can get a better commission (for large volumes of purchases)
directly:
- if you need a lot of payments - then you are tormented to conclude contracts with everyone (if you are a company and everything is white)
- a lot of support
+ sometimes - more functionality
+ usually - better commission
+ diversification - webmoney fell, and Yandex continues to work, as an example.
Usually it is worth connecting mixed mode:
the main payments - directly
the rest - through the aggregator.

Answer 6

I would connect the aggregator, at least lose a very big red tape with papers and not only))
Yes, aggregators and payments take commissions.
Some payments for certain payments take a commission only from the buyer (in your case, from the user), but they do not take from the seller (if you were an IM).