Your explanation makes sense. I just want to re-iterate my concern, to make sure I understand... I'm not sure if I'm implying that the 1099-K is wrong. For instance, I have a 1099-NEC from a client that paid me $1,200 via CC, this payment was made through my merchant account at Stripe. I also received a 1099-K from Stripe that includes all of my transactions (income) for the year .... The dollar amount on this 1099-K includes this payment from this customer... So if I add both forms as income I'm paying twice for this particular 1099-NEC. Should this client not have sent me a 1099-NEC, is that the real problem?
