How to send money to any paypal account

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You’ve got two main options: use the MassPay API or Adaptive Payments API.

Note: Adaptive Payments is not available for new integrations.
PayPal provides documentation to only support existing integrations

The Adaptive Payments option gives you a lot more control over the payment and is the future direction of the Paypal APIs. It supports SOAP, NVP, JSON and plain XML. MassPay has both a SOAP and NVP interface.

IPNs are a totally different subject: https://www.paypal.com/ipn

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