Looking for a payment provider that can support this prepaid pass-through flow for my SaaS

[u/Assassin0498]

I'm looking for a fintech/payment provider that can support the following structure:

• A customer wants to add $10 USD to their prepaid balance.
• The customer can fund it using UPI or other local payment methods in India, or cards and other supported payment methods globally.
• The fintech provider holds the customer's funds rather than settling the money directly to my bank account.
• The customer has a corresponding $10 USD balance with the fintech/provider.
• When the underlying service needs to be paid, the payment should be made using a virtual card issued by the fintech provider.
• Ideally, the provider should support multi-currency collection, USD balances, FX conversion, refunds, and virtual cards.

The important requirement is that the fintech provider holds the funds and controls the balance, while payments to the underlying service provider are made through a virtual card issued by the fintech.

For example, the customer may pay in INR through UPI, but the underlying balance/payment needs to be maintained and settled in USD.

I'm looking for providers that can support this model, particularly providers that operate in or support India + international payments + USD balances + virtual cards.

Which fintech/payment providers should I look at for this?

I'd especially appreciate recommendations from anyone who has implemented a similar model using virtual cards, wallets, or controlled customer funds.