What is the correct way to implement the acceptance of user balance payments on the site?

Question

Payment systems

There is a site that implements a custom virtual balance, where 1 credit = 1$. The user, through the payment service, transfers real money into intra-site "credits" with the possibility of further purchase of some virtual services on this site for these "credits", and when a certain threshold is reached (let's say 100 credits), he can request a withdrawal of money from site to your map. The site keeps users' money intact, but charges a commission for operations within the site, this is the site's income.
At the moment, this whole scheme has been made without reference to a real payment service and is working in test mode. The site is designed for foreign users, i.е. payment must be in foreign currency.
I can't figure out the right solution. It is already clear that to pay even with non-residents, you still have to use the online cash desk, because I have an IP on USN-6. As a solution, I'm currently looking at Paypal with his business account.
The first question is whether it is correct to use a stick with this scheme or is there a simpler and cheaper solution? Does the stick have any integration with online cash registers?
The second question is what to do with taxes in this scheme? If I charge users only a commission from transactions and the bulk of their money is not spent, do I have to pay tax on the entire amount that comes to the current account or only for my commission?
Will it be enough to place a public offer on the balance replenishment page (by the way, where can I see an example of the correct offer in my case?) and generate an invoice for payment for the service (balance replenishment) or is this not enough for currency control?

Answer 1

he can request the withdrawal of money from the site to his card

how do you implement it?

Answer 2

The user, through the payment service, transfers real money into intra-site "credits" with the possibility of further purchase of some virtual services on this site for these "credits", and when a certain threshold is reached (let's say 100 credits), he can request a withdrawal of money from site to your map .
You have now invented WebMoney. If everything is as you described, then this is a full-fledged payment system and you need a license from the Central Bank with all the ensuing delights in the form of 115-FZ and financial monitoring.
The stick will knock you off almost immediately.
You completely missed the jurisdiction of your project.