Oh boy. You are in a world of hurt here.

The issue here is on the banking regulations than the technical side. The technical side here is a breeze, an absolute breeze that any technically competent developer can knock out a Patreon clone in about a week.

I've gone through most of the answers already and not surprised by the lack of knowledge. I've been looking at banking for the l8 months - almost 2 years. My next step is to approach someone competent and with a track record in the industry to start up a fintech company and approach a bank to start the long process of becoming a bank.

But I digress :)

To do this yourself. Let me explain the following steps you'll need to fulfil.

1) The ability to on-board individuals and perform KYC.

2) Taking and validating the individuals bank account for payments.

3) Processing credit card payments and splitting them up between the % for you and the rest for the creator.

4) Dealing with fraud when taking the credit card payments.

5) Sending the payment to the creator and doing FX spot transactions where necessary.

6) Performing AML on each payment.

There's so much more, but I want to keep this post succinct.

As others have said. Stripe is the quickest shortcut to this. They have already built it all out and you just need to connect your platform to their API.

The downside is that whether rightly or wrongly. Patreon is their preferred partner in this space. Let's say "Sargon of Akkad" joined your platform and Stripe is processing your payments. You would be shut down when word got out.

If you don't understand what I mean. Please do some googling. I won't go into it with this post.

Now if you definitely want to do this yourself, here are some of the problems you'll face.

The first thing you need to realise, that by not actually running right now. No credit card processor is going to touch you. I've been knocked back by many processors because I have no volume. It's a chicken and egg problem. How can I start if I have no credit card processor? They don't care.

If you do find a credit card processor, there are still some issues. Can the processor split the incoming payment? Many can't. If that is the case you'll have to become the merchant of record which means you'll be responsible for all the chargebacks/refunds/etc instead of the creator. But then also means you'll need banking licenses for all the geo-locations of the individuals that on-board on the platform. The reason being that you are holding client's monies.

The next thing is that KYC and AML checks are very expensive. Although the credit card processor will do the checks themselves, you'll have to do it as well when monies flow into your account. You'll have to KYC the individual on-board and then AML whenever a payment is sent out. I haven't yet found an all you can eat. They want you to purchase packs ahead of time and also they run out. Also KYC and AML are separate companies as well. So that's double the cost.

The next thing is that you'll need to find a company to help you sending ACH payments and then either SWIFT or XRP for international payment as well.

Finally, there is another way. If you do find a credit card processor that can on-board individuals and hold them accountable for the payments instead of you and can then split the payments and put the funds in their home bank account or an intermediary for moving on later. Subscribe Star does something similar to this. You can achieve that.

However, you are back to square one. You are not current processing and thus service providers won't work with you.

You have a long road ahead. I suggest going with Stripe. Build out your platform, get some processing and when you want to cut the cord with Stripe. The other financial service providers will be willing to work with you. Because you'll have volume.

Oh and ensure you have well over 100k a month of transactions. That's the sweet spot from my many conversations. I've lost count now of how many service providers I have spoken to. 250 or more lol.