What payment system do you recommend for receiving and automatic withdrawal of funds?

Question

Payment systems

There is a service that accepts funds from users. There is a referral program - according to which funds are credited.
Can you tell me if there is such a system that allows both accepting funds and withdrawing these funds to users, upon request, preferably in automatic mode. Those. earned 100r - created a withdrawal request - withdrew, for example, to a card or somewhere else.
And, it is desirable that all this be within the framework of one account - i.e. where funds come from, users go from there.
We connected paysto - and immediately got it:
1. It turned out to withdraw in automatic mode - you need a tariff for almost 2k and 5k connection
2. Support responds at best in a day
3. Block the store and funds without notification or reason