Quick Answer
Aggregated payments risk means Stripe sees fund flows or merchant-of-record responsibilities that may be more complex than a standard direct merchant model.
What Stripe Is Likely Comparing
- who sells vs who settles funds
- liability ownership vs customer-facing merchant identity
- platform or marketplace structure vs onboarding narrative
Operational Focus
Make the merchant-of-record role explicit and document who owns refunds, disputes, and customer obligations.