What online payment systems exist with the freezing of funds?

Question

Payment systems

Interested in this question. There is an online platform where some people sell information, other people buy it. To make all this safe, the following system was invented:
When the buyer finds the product he needs, he goes to the payment stage, enters the card number, all data and the amount for which the payment is made is frozen.
After that, the seller sends the information he needs and two participants confirm that the transaction was successful. After that, the money is unfrozen and transferred to the seller's account. Is this type of payment possible? Or is it better to charge this payment to yourself, after the transaction is completed, we will transfer the funds to the seller's account? What are the options please.

Answer 1

Any processing of credit cards allows you to hold money on the user's card. The circuit works exactly as you described.
The same Paypal allows you to do this without any problems.

Answer 2

Any payment service freezes your funds. For example, I use PS Fondy.