Simplify Stripe's temporary payment and registration process

I would like to ask you two questions about Stripe.
First, is there a way to use the temporary payment feature in Stripe with the MarketPlace component?
I want to use this feature because I want to pretend the payment never happened in case of cancellation. If not, I’m considering using Zapier’s API, but I’m reluctant to do so because of security concerns.

Secondly, is there a way for billers to collect money via Stripe by simply registering an account?
In our job-matching app, ordinary users are the billers, and we would like to know how we can eliminate the task of Stripe registration from them.