@Douglas19it's my understanding that either $20K -OR- 200 transactions via credit cards cause that 1099, not "and".
I recall getting one or two some years ago when i first started with airbnb and they issued them even if that wasn't true, i believe.
Been too long since then but i think the amount was maybe before the 3% credit card fee?
Update - saw a msg elsewhere that it's AND. Sorry - didn't check before posting.