Asking again as undecided.
I need a lightning based payment API, and virtual account (or credits per pubkey) service.
Users can deposit into a pubkey’s virtual wallet/account. User withdrawal isn’t required. They top up when out of credits by depositing again.
When a user makes a request (e.g. for POW, or to publish an event), I can use an API to check and deduct/hold an amount/fee - or basically transfer it into an primary owner account (atomic db update is ideal).
Once successful, users account has fee removed. Primary owner account has the fee added. Refunds are possible for failures post-payment.
Suggestions welcome - but seeking exact API or service that’s ideally used in production by someone, not just “use LNbits or BTCPAY”. Thanks for feedback!