Which payment system to choose for the trading platform?

Question

PayPal

I have a site in the form of a trading platform, people put up their goods and sell on it, and we take 5% from each purchase, and at the same time I want to make sure that when a user buys a product, the money is immediately transferred to the author, let’s say, to the card, and to me 5% of this amount was also transferred to a card or somewhere else, so as not to use the user's balance and not to withdraw funds yourself, well, not to be, roughly speaking, a bank) Which payment system can be suitable for this?

Answer 1

qiwi, bitcoin

Answer 2

any left
or Yandex checkout from normal

Answer 3

There was a similar task Payment acceptance service with mass payments for individuals?