What is the best way to implement payment acceptance and withdrawal of funds?

Question

Payment systems

Hello!
I am developing an application where you need to set up payment acceptance and payouts. Need advice from senior comrades (even two)
1) Tell me the payment systems through which transactions are carried out in both directions (not only acceptance) with a clear API and a small commission. (Qiwi ,Yandex money, Visa/MasterCard)
2) I once worked on a project where I was finalizing the functionality, and there the payments were set up, and I decided to borrow something. There are (transaction, payment, withdrawal) in the models.
I'm interested in what problems may arise if, for example, this is combined into one Payment model, where there will be status and type fields. Well, I can still understand the division into Withdrawal and Payment, but why enter another Transaction does not reach.
I will be glad to answer)

Answer 1

1) Yandex checkout Only
2) in (transaction, payment) or in (transaction, withdrawal) there can be different numbers / amounts
in general, everything related to MONEY should be covered and overlapped by a bunch of insurance entities,
for example, the balance of transactions should be equal to the amount of payment withdrawal and the rest
, well, etc.

Answer 2

Here are the details.
Payment acceptance service with mass payouts for individuals?
What is a proven aggregator for making payments to individuals. persons?

Answer 3

This is exactly what we are doing.
All sorts of anonymous services like Yandex.Money with any significant volumes will immediately cut you access for large black turnovers.
To do what you want, you first need to come to the bank, meet with the bank's management and negotiate with them .
And then the bank will give you its own API.