I’m developing an application where users have a balance that I manage internally. I want to enable users to deposit and withdraw funds from this balance using their card, bank account or any other methods.

Does anybody know of a service (payment gateway or whatever it’s called) for the EU or global market that allows both accepting payments and transferring money to bank accounts via API?

Is there any service that allows both(accept and send money), so I don’t have to work with two separate services and deal with having enough funds in the wallet of the one responsible for withdrawing from my app’s user balance and avoid paying fees twice?

I hope I explained my question clearly >_<

I have only found services that either only allow accepting payments or only transferring money(or maybe I’m just blind).