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ZeroSettle provides two products for iOS developers: In-App Purchase for web-based payments that bypass App Store fees, and Skill-Based Escrow for competitive gaming with real-money stakes.

Products


In-App Purchase

Replace Apple’s 30% cut with our 4.5% fee. ZeroSettle acts as your Merchant of Record—we handle the entire payment flow, tax remittance, and compliance so you don’t have to.

How It Works

1

User Taps Purchase

Your app shows a purchase button. When tapped, ZeroSettle opens a web checkout via ASWebAuthenticationSession.
2

User Pays

User completes payment on our hosted checkout. We support Apple Pay, cards, and more.
3

User Returns to App

After payment, user is redirected back to your app with a success token.
4

You Deliver Content

Verify the purchase with our API and unlock the content for your user.

What We Handle

  • Payment Processing - Stripe-powered checkout with Apple Pay support
  • Tax Compliance - Automatic sales tax, VAT, and GST calculation and remittance
  • Merchant of Record - We’re the seller of record, handling liability and disputes
  • Refunds - We handle refund requests and chargebacks
  • Receipts - Automatic email receipts to customers

Get Started with IAP

Coming soon — request early access

Skill-Based Escrow

Build competitive games where players stake real money and earn payouts based on performance. ZeroSettle handles the on-chain escrow, ensuring fair and transparent payouts.

How It Works

1

Player Authenticates

Phone-based login via Privy. We create an embedded Solana wallet for each user automatically.
2

Player Stakes

Player chooses a wager (e.g., $1). Funds are locked in an on-chain escrow until game completion.
3

Player Competes

Your game runs normally. ZeroSettle stays out of the way.
4

Result & Payout

Submit the game result. We calculate the payout from your payout table and settle on-chain instantly.

What We Handle

  • On-Chain Escrow - Funds locked in Solana smart contract
  • Embedded Wallets - No seed phrases, no wallet apps—just phone verification
  • Real-time Balance - WebSocket-powered instant balance updates
  • Payout Tables - Flexible discrete or continuous payout curves
  • Settlement - Automatic on-chain settlement in seconds

Get Started with Escrow

Install the SDK and run your first session

Quick Comparison

FeatureIn-App PurchaseSkill-Based Escrow
Use CaseSubscriptions, one-time purchases, digital goodsSkill-based games, contests, tournaments
Payment FlowWeb checkout via browserOn-chain staking via embedded wallet
Fee4.5%*5% of pot
SettlementInstant to your Stripe accountInstant on-chain to player wallet
ComplianceTax, VAT/GST, MoRSkill gaming regulations
*Standard rate for transactions over $15. Smaller transactions add $0.30 flat fee.

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