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payment system that allows for money held in system

hi all, i am not sure if this is the right place for this, however i am looking to develop a payment system for an ecommerce style site that works in the following way:

  • user pays through the site (secure site)

  • payment then goes to sellers account for them to withdraw at any time.

  • effectively the money is held by our company until withdrawn by the seller
  • Does anyone know where to start? what banks of payment systems offer this etc?

    thanks so much in advance

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