It is possible to create a transfer without an associated charge, provided you have sufficient balance—you'll need to make a transfer without a transfer group: https://stripe.com/docs/connect/charges-transfers#transfers-without-charges … We provide an example of how fee collection works at:https://stripe.com/docs/connect/charges-transfers#collecting-fees …
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Can I use a separate account? To separate revenue Vs expenses?
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You can have multiple connected accounts but only one platform account. Feel free to reach out to us with more details about what you're working on and we can take a closer look https://support.stripe.com/contact
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