If you're looking for legal advice, you absolutely must ask a lawyer. Most good lawyers will give you an initial consultation for free.
If you're looking for business advice, I don't think there's any practical or safe way to run a business that allows people to charge a credit card and return cash to a bank account. If that's necessary for the functioning of your site, you may need to rethink your site.
Comments
If you're looking for legal advice, you absolutely must ask a lawyer. Most good lawyers will give you an initial consultation for free.
If you're looking for business advice, I don't think there's any practical or safe way to run a business that allows people to charge a credit card and return cash to a bank account. If that's necessary for the functioning of your site, you may need to rethink your site.