ZeroSettle In-App Purchase lets your iOS app accept payments via web checkout instead of Apple’s StoreKit. You keep ~94% of every transaction instead of 70%.
We act as the Merchant of Record — we handle payments, tax compliance, refunds, receipts, and liability. You add a few lines of Swift and start earning more.
Why?
The math is simple:
| Apple IAP | ZeroSettle IAP |
|---|
| Fee | 30% (15% for small business) | 5% + 50¢ |
| You keep on a $9.99 sale | $6.99 | ~$8.99 |
| Tax handling | Apple handles | We handle |
| Compliance | Your responsibility | Our responsibility |
| Payouts | 45+ days | Instant via Stripe |
How It Works
When a user taps “Buy” in your app, ZeroSettle presents a checkout experience powered by Stripe. The user pays with Apple Pay or a card, and your app gets a verified transaction back.
There are three checkout modes, controlled server-side via remote config:
Embedded Payment Sheet (Recommended)
ZSPaymentSheet presents a native-feeling bottom sheet inside your app. It loads a WKWebView with Apple Pay and card entry. The user never leaves your app.
.zsPaymentSheet(isPresented: $showCheckout, product: product, userId: user.id) { result in
switch result {
case .success(let transaction):
print("Purchased: \(transaction.productId)")
case .failure(let error):
print("Error: \(error)")
}
}
In-App Safari
Opens an SFSafariViewController within your app. The checkout page loads in a Safari view controller, and the result comes back via universal link.
External Safari
Opens the checkout URL in the user’s default browser. The result returns to your app via universal link. This is the fallback mode.
The checkout mode is controlled by your remote config on the ZeroSettle dashboard. You can switch modes without an app update.
What We Handle
Payment Processing
- Stripe-powered checkout
- Apple Pay on the web
- Credit/debit cards
- Multiple currencies
Tax Compliance
- Automatic sales tax calculation (US)
- VAT handling (EU)
- GST handling (AU, etc.)
- Tax remittance to authorities
Merchant of Record
- We’re the legal seller
- We handle disputes and chargebacks
- We issue refunds
- We send receipts
Apple Compliance
- Compliant with Apple’s external purchase guidelines
- US geofencing (as required by Apple)
- Required disclosure before leaving app (for Safari flows)
What You Can Sell
- Subscriptions — Monthly, yearly, or custom periods
- One-time purchases — Premium features, content packs
- Consumables — Credits, tokens, virtual items
- Non-consumables — Permanent unlocks
| Requirement | Version |
|---|
| iOS | 17.0+ |
| Swift | 5.9+ |
| Xcode | 15.0+ |
| Third-party dependencies | None |
Get Started
