Check out the WePay API - https://www.wepay.com/developer/platform/authorization https://www.wepay.com/developer/platform/authorization What you described is a

Check out the WePay API - https://www.wepay.com/developer/platform/authorization https://www.wepay.com/developer/platform/authorization What you described is a bit vague so I'm not sure quite what you need, but it allows you to basically spin up merchant accounts for your customers on the fly in a way that's basically as seamless as legally possible.