You can't really solve this problem. It's why things like Stripe and PayPal cost so much money. The only way to solve it would be a la Google, where you need to

You can't really solve this problem. It's why things like Stripe and PayPal cost so much money. The only way to solve it would be a la Google, where you need to have a certain account balance before withdrawl, but that opens you up to other regulatory issues.