Payment methods to transfer money from users to businesses

Hello all, I am working on an app that connects individual users to businesses (restaurants). I am looking for a money transfer system where I need to transfer money from the user to the restaurant. I've looked into Stripe and Paypal and see that they have processing fees on every charge (in addition to the credit card processing fee). Is there any way we can create an online digital wallet and transfer money to businesses directly? or should we go with one of the 'established' payment apps? How do the apps such as GrubHub or uber eats transfer the payment from user to restaurants?

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