Long story short here is this app isn&#x27;t acting as a &quot;merchant&quot; rather as an intermediary between counterparties in financial transactions which requires banking relationships to be established to drive the flow of the funds.<p>Also keep in mind that Stripe&#x2F;Square&#x2F;Braintree etc are processors not banks. They will help you move the funds around but as far as where those are moved from&#x2F;to that&#x27;s on you even if you&#x27;re a Merchant. Once you get into the &quot;middle man&quot; business the plot thickens quite a bit.