Card scheme rules apply a different test to the one your contracts apply. Acquirers weight pricing control and cardholder perception far more heavily than fulfilment or contract language, which is why an arrangement can operate unchallenged for years and then fail a single due diligence review.
Five questions. Which structure are you actually running?
1. One merchant account, paying out to multiple sellers?
2. Do those sellers set their own prices?
3. Whose name is on the cardholder statement?
4. Who owns refunds and chargebacks?
5. Elevated-risk category? Pharma, gambling, travel, adult, CBD, high-value goods.
Indicative only. It reflects how acquirers weight pricing control and cardholder perception, not a formal assessment.
If this lands on aggregation or the mixed case, the full explanation with all three routes costed is worth twenty minutes.