Implementing Payment functionality like "Google Wallet" or "Paytm"

I develop REST API using Spring.

The whole concept of application is customer gives tip or gratuity to service provider from my app(app call REST API). Application flow is:-

• Customer can add money to application wallet using either credit or debit card.


• Customer can give gratuity or tip to service provider using application wallet (Money transfer from customer wallet to service provider wallet).


• Service provider can receive application wallet balance to personal bank account.

For example:- Customer gone to restorant. Customer completes his/her dinner. After that customer wants to give tip or gratuity to wetter (i.e. service provider). It will be done by my app.

(In short, I can say that, first money transfer from user credit/debit card to organization account (i.e. wallet for user). Then customer can use this wallet balance for service provider to give tip and gratuity) and last service provider can receive/transfer his/her wallet balance to personal bank account)

I want to do like "Google Wallet" or "Paytm" application.

Can anyone please recommend the best payment gateway provider or another service provider which support this kind of scenario that is easy to implement?

Thanks in advance.