A Direct Charge is the Stripe payment model happ runs on. The Collaborator pays the Creator’s own Stripe account directly · the Creator is the merchant of record, and the money never passes through happ.
Stripe deducts its processing fee, happ collects its flat Service fee, and the rest settles in the Creator’s Stripe balance, ready to withdraw.
This architecture is a sovereignty decision: the Creator owns the customer relationship, the transaction record, and the money. happ provides the rails.