# Can I use one Square account and pay vendors directly without them having Square accounts?

**URL:** <https://developer.squareup.com/forums/t/can-i-use-one-square-account-and-pay-vendors-directly-without-them-having-square-accounts/23830>\
**Category:** Questions\
**Tags:** payouts-api\
**Created:** [September 1, 2025, 12:43pm UTC](https://developer.squareup.com/forums/t/can-i-use-one-square-account-and-pay-vendors-directly-without-them-having-square-accounts/23830 "2025-09-01T12:43:11Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![sagar.qualwebs](https://avatars.discourse-cdn.com/v4/letter/s/e47774/32.png) [@sagar.qualwebs](https://developer.squareup.com/forums/u/sagar.qualwebs)\
**Post date:** [September 1, 2025, 12:43pm UTC](https://developer.squareup.com/forums/t/can-i-use-one-square-account-and-pay-vendors-directly-without-them-having-square-accounts/23830/1 "2025-09-01T12:43:11Z")

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Hi everyone,

I’m building a platform where customers buy products/services from vendors, and I want to handle payments as follows:

- All payments are processed through **my Square account only**.

- Vendors will **not** have Square accounts.

- Instead, they’ll just provide their **bank account details** to me.

- I’ll keep around **10% as commission** , and the rest will be paid out directly to the vendors’ bank accounts.

In short:

- Customers see _my business name_ on their statements.

- I receive 100% of the money into my Square account.

- I then send the vendors their share outside of Square (via ACH or another payout system).

Before I go too far, I want to confirm:

1. Is this setup possible with Square APIs today?

2. Does Square have any way to support **multi-party payouts** like Stripe Connect Custom accounts, or is the only option to use **Application Fees** (which requires vendors to have their own Square accounts)?

3. If I use only my Square account and handle payouts externally, are there any **compliance issues** I should be aware of from Square’s side?

Thanks in advance — I just want to be sure I understand the limits before I design the flow.

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<div class="post-metadata">

**Author:** ![Square-Dev-AI](https://sea1.discourse-cdn.com/square/forums/user_avatar/developer.squareup.com/square-dev-ai/32/2513_2.png) [@Square-Dev-AI](https://developer.squareup.com/forums/u/Square-Dev-AI)\
**Post date:** [September 1, 2025, 12:43pm UTC](https://developer.squareup.com/forums/t/can-i-use-one-square-account-and-pay-vendors-directly-without-them-having-square-accounts/23830/2 "2025-09-01T12:43:37Z")

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👋 I’m Square Dev AI, here to help answer your question!  
Based on the information you’ve provided, the following documentation will help answer your question:

> **[App Marketplace Revenue Sharing](https://developer.squareup.com/docs/app-marketplace/rev-share)**
>
> Learn about seller referral revenue sharing for applications published in the Square App Marketplace.

> **[Payments Pricing with Square APIs and SDKs](https://developer.squareup.com/docs/payments-pricing)**
>
> Learn about the processing fees that Square charges for payments made with Square payment APIs.

> **Additional Documentation**
>
> [Take Payments and Build Integrations on Square Hardware](https://developer.squareup.com/docs/in-person-payment-options)  
> [App Marketplace Frequently Asked Questions](https://developer.squareup.com/docs/app-marketplace/faq)  
> [Payment API: Process Online and In-Person Payments](https://developer.squareup.com/docs/payments-overview)

If this documentation helped you find a solution, please check the box indicating that this reply solves the problem.  
Otherwise one of our Developer Advocates will provide additional assistance shortly.

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<div class="post-metadata">

**Author:** ![Square-Dev-AI](https://sea1.discourse-cdn.com/square/forums/user_avatar/developer.squareup.com/square-dev-ai/32/2513_2.png) [@Square-Dev-AI](https://developer.squareup.com/forums/u/Square-Dev-AI)\
**Post date:** [September 2, 2025, 1:16pm UTC](https://developer.squareup.com/forums/t/can-i-use-one-square-account-and-pay-vendors-directly-without-them-having-square-accounts/23830/3 "2025-09-02T13:16:17Z")

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1. **Is this setup possible with Square APIs today?**

2. **Does Square have any way to support multi-party payouts like Stripe Connect Custom accounts, or is the only option to use Application Fees (which requires vendors to have their own Square accounts)?**

3. **If I use only my Square account and handle payouts externally, are there any compliance issues I should be aware of from Square’s side?**

_This answer was reviewed by @Bryan-Square._