Which payment aggregator should an individual choose?

Question

Donations

Good afternoon, ladies and gentlemen. There was such a question. A website is being created and a donation system needs to be introduced.
1. I am an individual, I do not want to register as a legal entity or self-employed yet.
2. It is necessary to be able to accept payments via SMS, to a bank card, YandexMoney and other main payment methods.
3. It is highly desirable that there be a single aggregator that would accept payments from many existing payment systems (including SMS and Bitcoin) and that, for example, would immediately convert Bitcoin into the Russian ruble.
4. Transfer of funds from the aggregator to a bank card.
I understand that it sounds utopian, but maybe there are such aggregators and solutions?
Thanks in advance for your reply.

Answer 1

Yandex and Robokassa. The rest is either impossible or not serious.

Answer 2

try onpay.ru then tell us about the result

Answer 3

Free-kassa (.ru)