I am working on a marketplace project(Patreon-like) and I am wondering about good designs/architecture to handle and track the money. I have came up with various solutions but I would like to hear from someone who has some real experience with this very niche type of project, if possible.

Mostly the issue is real money vs virtual money in the system. Chargebacks, returns, currencies, multiple bank accounts, multiple payment processors, fees for bank or payment processors transfers that can make real money mismatch the virtual money and so on.

It's not a simple question I could ask and get a straight answer so I guess it will be more like a discussion.

Tanks.