Hi @Mikev60 Welcome to the community! Thanks for that question too, I'd be happy to help with this. So, Merchants can't send money directly to another person's bank account without that person having a PayPal account. With that in mind, you don't have to use the Partner Referrals API, you could simply take in a payment, then use a "payout" to send the money via PayPal to the merchant's email address. If the merchant didn't have a PayPal account, that's okay, they'd simply be asked to create their account so they can transfer it to their bank. While this would still mean the merchant has two separate accounts, there's really no way around that as the two companies compete. My recommendation would be to simply accept Debit and Credit Cards through Braintree, which can be linked directly with your PayPal account. Then, when you're paying out to the merchant, they simply only need to be "logged in" to PayPal to get their funds for both PayPal and DCC transactions. If you'd like to explore that, contact Braintree Sales here. Hope that helps! -Aaron
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