Comment by strnisa

Yes, Small Transfers is the merchant of record for the card charge. We transfer only funds actually received to the merchant's Stripe account; we don't advance funds. As per the Terms (§1 "Transfer" and §5.6 "Non-Payment"), chargebacks/reversals are net-deducted from future transfers, so the seller bears non-payment risk.

Details: https://smalltransfers.com/terms