PayPal, Stripe, Square, and Braintree (which is PayPal) are interested in helping merchants accept payments for goods and services. Dunno about Square, but PayPal and Stripe explicitly disallow the use of their platform to build any other money-sending service.<p>In generally children need to be driven to the bank by their parents, so why we&#x27;d also loop in a 3rd party (instead of the parent writing the child a check) is unclear.<p>My family solved this problem by maintaining an informal ledger and settling by transfer between our (linked) accounts at the same bank, but there&#x27;s no way a random startup would get that kind of API from all the major banks - AFAIK even Mint is still screen scraping.