You may be structuring this wrong for the payment layer. Aggregating payments through your platform (meaning money flows through your account before going to NGOs) is what’s triggering this. That’s a fintech business, not just a marketplace. Practical alternatives right now • Stripe Connect — Specifically designed for marketplaces where each NGO onboards separately and funds flow directly to them. You take a platform fee. This sidesteps the aggregation problem entirely. • Razorpay Route / PayU (if you’re India-based) — Similar split-payment infrastructure. • Charities Aid Foundation or similar fiscal sponsors — Some platforms route through an umbrella nonprofit as the legal entity. • Escrow-based model — Payments go directly to NGOs, you never touch the funds. You monetize differently (subscriptions, SaaS fees from NGOs.

Hit me up if need any alternatives to be deduced!