Payment Distribution Options - Money Holding Laws

Specifically with reference to recieving, holding and distrubuting monies;

If I choose to have vendors monies come to the marketplace account (paypal/Stripe etc) and harvest fees before distribution to vendor is there any particular laws relevant in Australia that would not apply if monies went direct to vendor (with or without payment splitting)? i.e. by recieving, holding and distributing monies would I somehow come under laws relating to a banking service or a financial service provider?