Develop an electronic money system developed in php (jetstream), postgresql -- 2

Develop an electronic money system developed in php (jetstream), postgresql. That internal transfer of money can be made with both percentage and quantity commissions, which is adjustable by the administrator, along with that when the client wants to withdraw the money from the system, they have to send a request to the administrator and the administrator approve or deny that request.
Something similar to PayPal
I also need people who know about payment processors