Can you recommend a payment system?

[Datacol]

We are choosing the payment system for the service. The service provides the access to pay API.
The following points are of big importance:

• The customer specifies the sum, which he pays to the account of the service himself.
• Minimum period of a refund.
• Possibility to withdraw the money to the card of Payoneer system.
• The support of PayPal is desirable.