Forum Academy Marketplace Showcase Pricing Features

Marketplace Payments - Easiest Method

I am building a marketplace where sellers offer services and buyers purchase them. I used the Stripe plugin initially but I get the attached payment error when I try to have a different payee.
Am I wrong or must I use the API to implement Stripe Connect first in order to process payments directly to the seller with a fee for my platform? You can see from the other attachment that I’ve tried this as well with some difficulty.
Thanks for any guidance.