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Can others fund/withdraw from sub accounts?

i am building a fare collection system. I want to create sub-accounts for each stakeholder - passenger, driver, conductor, agbero. 1. Passengers should be able to fund their sub-accounts by transferring from any bank account. Is this possible? 2. Our system should be able to charge a sub-account even when it does not have enough money like a lien? Is this possible? 3. Other stakeholders should be able to see the balance on their sub-account and be able to cash out at paga agent or transfer to a bank or other people using ussd. Is this possible? 4. If these transactions are possible, what fees are involved?
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What is the Merchant Service API?

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How does Merchant Service API work?

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