If you only intend for customers to pay via bank transfer there is no need to register for a Stripe account.
In the case you wish to use credit card payments, Stripe registration is mandatory.
After registering with Stripe the account all contracts, fees and charges are directly between the seller and Stripe with no involvement or commission by Phototree.
All credit card payment data is sent securely directly to Stripe servers and is never sent to Phototree and does not pass through any part of our network.