Hi,
R1) You can select a vendor in the product edition page, in the HikaShop backend.
When you are a vendor in the front-end, you can only create product for yourself.
You can also use an existing vendor product and add a general category to it.
R2) The fee is different than the payment system.
You need to configure the HikaMarket fees, not to use a specific payment method.
R3) HikaMarket have a powerful ACL system which allow you to select the right that vendors will have.
You can also create vendor custom fields and select where you want the custom field be display (backend, front-end registration, front-end vendor edition, etc).
Regards,