Skip to main content
ZeroSettle In-App Purchase lets iOS apps accept payments via web checkout, reducing fees from Apple’s 30% to just 4.5%. We act as the Merchant of Record, handling payments, tax compliance, and liability.
In-App Purchase is currently in early access. Request access to get started.

​
Why ZeroSettle IAP?

Apple’s 30% fee is brutal for most apps. With ZeroSettle IAP, you can:
Apple IAPZeroSettle IAP
Fee30% (15% for small business)4.5%*
Tax HandlingYou figure it outWe handle it
ComplianceYour responsibilityOur responsibility
Payouts45+ daysInstant
*Standard rate for transactions over $15. Smaller transactions add $0.30 flat fee.

​
How It Works

1

User Taps Purchase

Your app presents a purchase option. When tapped, ZeroSettle opens a web checkout using ASWebAuthenticationSession (Apple’s approved method for external purchases).
2

User Completes Payment

User pays on our hosted checkout page. We support Apple Pay, credit cards, and more.
3

User Returns to App

After successful payment, user is redirected back to your app via URL scheme with a purchase token.
4

You Verify & Deliver

Your app verifies the purchase token with our API, then unlocks the purchased content.

​
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

​
Compliance

  • Apple’s External Link guidelines
  • US geofencing (required by Apple)
  • ASWebAuthenticationSession flow

​
Use Cases

  • Subscriptions - Monthly/yearly plans
  • One-time purchases - Premium features, content packs
  • Digital goods - Credits, tokens, virtual items
  • Tips & donations - Creator support

​
Apple Compliance

ZeroSettle IAP is designed to comply with Apple’s guidelines for external purchases:
  • Uses ASWebAuthenticationSession (not WKWebView)
  • Shows required disclosure before leaving app
  • US-only geofencing (as required)
  • No IAP alternative for digital goods consumed in-app (where prohibited)
Apple’s rules around external purchases are complex and vary by app category and region. We help you navigate compliance, but you should review Apple’s current guidelines for your specific use case.

​
Coming Soon

IAP documentation is being finalized. In the meantime:

Request Early Access

Get started with IAP today

Visit Website

Learn more about ZeroSettle