If you are a marketplace that uses Stripe but does not process payments through Stripe Connect, you may be in violation of Stripe's Terms of Service for "aggregation".
To determine whether or not you are aggregating, review the following criteria:
It should be very clear to customers that they are paying your business and not a seller in your marketplace. If a customer does not expect to see your business name on their statement, the expected seller should be the one processing these payments instead. This can be done using Stripe Connect.
If you are accepting payments for goods or services that are being provided by other people, you must ensure that you are not accepting payments for anything that violates Stripe's Terms of Service. You must also be able to confirm that the goods or service purchased was definitely provided to the customer. Lastly, you must verify the identity of any person or business that you are paying out to using Stripe.
As customers are technically buying from you, you are responsible for handling all support requests, disputes and refunds.
If your business model does not fit with these guidelines, Stripe Connect might be a better fit for your business. Contact Stripe Support if you have any questions about aggregation or migrating your business to Connect.