I have a website that will take payments from user A, hold them in our escrow account, then transfer the money minus a fee to user B. I have the first part figured out, in terms of taking credit card payments from user A, but I'm trying to figure out the optimal method of taking that money and sending it to user B. I'm not storing credit card info due to privacy and I don't mind requiring user B to sign up for a PayPal account if they're going to use the system but I don't know how to directly send payments to a PayPal account.

I'm using ActiveMerchant and the PayPal gateway on Rails 2.3.5.

I'm also open to any suggestions as to what the optimal method is to take money from user A, hold it for 1-60 days, then transfer it to user B while incurring minimal fees and something I can implement in Rails hopefully that won't cause me to have an aneurysm.