Is it possible to send money using paypal API to any paypal account (not just to API credentials owner). I know that it’s possible to do that using IPN, but I need to use SOAP.
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You’ve got two main options: use the MassPay API or Adaptive Payments API.
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