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ZeroSettle is a subscription revenue platform for mobile apps. It replaces Apple and Google’s in-app purchase systems with web checkout — and goes beyond payments to handle the full subscription lifecycle: entitlements, retention, migration, and payouts. ZeroSettle acts as the Merchant of Record, handling payment processing, tax compliance, refunds, receipts, and liability. You integrate the SDK and focus on your app. Already on Stripe? Bring Your Own Stripe (BYOS) lets you connect your existing Stripe account. Your products, prices, and customer relationships stay in your dashboard — ZeroSettle adds the MoR layer on top.

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Fee Comparison

Apple/Google IAPZeroSettle (Managed)ZeroSettle (BYOS)
Platform fee30% (15% small business)5% + 50¢0.5%
You keep on a $9.99 sale~$7.00~$8.50~$9.50
Tax handlingApple/Google handlesZeroSettle handlesZeroSettle handles
Payouts45+ daysRolling via StripeDirect to your Stripe
See Payouts for a detailed fee breakdown and payout schedule.

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Payments

Process payments via Stripe instead of Apple’s StoreKit or Google Play Billing. The SDK presents a native payment sheet with Apple Pay and card support — the user never leaves your app.

Web Checkout

Embedded payment sheet, in-app Safari, or external Safari — controlled from the dashboard

Tax & Compliance

Automatic sales tax, VAT, and GST calculation and remittance as Merchant of Record

Payouts

Stripe Connect payouts to your bank — Managed (Express) or BYOS (Standard)

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Subscriptions

Track entitlements across web and native purchases, manage subscriptions through a customer portal, and sync state in real time.

Entitlements

Real-time entitlement tracking across web checkout, StoreKit, and Play Billing

Cancel Flow UI

Stripe-powered subscription management — cancel, upgrade, update payment, view history

User Identity

Map your user IDs to purchases and entitlements across platforms

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Growth

Retain subscribers, convert them to higher-value plans, and migrate them off platform billing — all configured from the dashboard with built-in analytics.

Cancel Flows & Pause

Cancellation questionnaires, retention offers, and subscription pausing — reduce churn without code changes

Upgrade Offers

Prompt subscribers to switch from monthly to annual with prorated savings

Switch & Save

Migrate StoreKit and Play Store subscribers to web checkout with discount incentives

Campaigns & Promotions

Migration campaigns, upgrade targeting, and promotional pricing — all dashboard-configured

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Quick Integration

import ZeroSettleKit

// Configure once
ZeroSettle.shared.configure(.init(publishableKey: "your_key"))

// Fetch your product catalog
let catalog = try await ZeroSettle.shared.fetchProducts(userId: user.id)

// Show the payment sheet
.checkoutSheet(item: $selectedProduct, userId: user.id) { result in
    // Done. That's it.
}

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Two Ways to Integrate

Managed

Get started fast. Stripe products are created and managed automatically via Express onboarding. Best for apps starting fresh.

Bring Your Own Stripe

Already on Stripe? Connect your existing account, keep your products and prices, and retain full control of your Stripe dashboard. 0.5% fee — revenue goes directly to your account.

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Get Started

Account Setup

Create your account, connect Stripe, and configure products

SDK Installation

Add the SDK to your project

Testing & Sandbox

Test purchases and entitlements before going live

Go-Live Checklist

Everything to verify before processing real payments

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Need Help?

Documentation

Full IAP overview, platform support, and payment modes

Support

Contact support