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Which payment gateway is utilized by Fiverr/Upwork?

DreamyContent

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Fiverr and Upwork only allow sellers to withdraw their earnings through Paypal, Payoneer, or bank options. I am curious about how these marketplaces integrate these payment methods into their website to cater to millions of sellers.

I understand that one can integrate Paypal or Stripe (VCC) on their website to receive direct payments from clients. However, I am interested in knowing if there is a way to create a similar website to Fiverr, hold payments for a few days until the service is delivered, and then pay the sellers via Paypal or Payoneer once the funds are cleared.
 
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