BACKED BY Y Combinator

Your app makes
$ ARR.
You could keep $308K more.

Direct billing that replaces Apple's 30% cut with a 15-minute SDK integration. You handle the product — we handle payments, tax, and merchant liability.

Get Started Book a Demo
Payment sheet and Switch & Save flows
import ZeroSettleKit
struct PaywallView: View {
@State var product: ZSProduct?
var body: some View {
Button("Upgrade to Pro") {
product = ZeroSettle.shared.product(for: "pro_monthly")
}
.checkoutSheet(item: $product) { result in
// done
}
}
.onAppear {
ZeroSettle.shared.configure(publishableKey: "zs_live_...")
}
}
import io.zerosettle.sdk
class PaywallActivity : ComponentActivity() {
override fun onCreate(state: Bundle?) {
ZeroSettle.configure("zs_live_...")
val product = ZeroSettle.product("pro_monthly")
setContent {
Button(onClick = { ZeroSettle.checkout(product) }) {
Text("Upgrade to Pro")
}
}
}
}
import 'package:zerosettle/zerosettle.dart';
class PaywallView extends StatelessWidget {
Widget build(BuildContext ctx) {
ZeroSettle.configure('zs_live_...');
final product = ZeroSettle.product('pro_monthly');
return ElevatedButton(
onPressed: () => ZeroSettle.checkout(product),
child: Text('Upgrade to Pro'),
);
}
}

Keep More, Your Way

Intelligent offers, web checkout, and smart cancellation flows all powered by a single SDK with built-in A/B testing.

ZeroSettle is for Conversion

A payment partner in every jurisdiction

Embedded payment sheets that keep users in your app

Jurisdiction-aware routing that adapts checkout to every region

Subscription management with upgrade, downgrade, and cancel flows

One-tap Apple Pay for the fastest mobile checkout experience

Embedded payment sheet with Apple Pay and card options
Region configuration dashboard with checkout type selector
Transactions dashboard with revenue chart and transaction list
One-tap Apple Pay checkout confirmation

Is The Juice Worth The Squeeze?

See how much you can save with direct billing vs. App Store fees.

$
Web Adoption
Discount Incentive ⓘ Incentive for users to switch from Apple IAP to web billing
Extra Profit
+$255,000
per year with ZeroSettle
+15.5pp net margin increase
You keep 95.5%
App Store & Play Store fees $300,000
ZeroSettle fee (5% + 50¢) $45,000
See full breakdown →

Win-Win-Win Pricing

Your customers pay less. You keep more. We only get paid when both happen.

APPLE IAP
30%

Apple's in-app purchase fee. High cost, platform lock-in, complex subscription management.

ZEROSETTLE
5% + 50¢

Simple integration, instant payouts, smart regional routing and compliance tools out of the box.

Integrate in 15 Minutes

We sync with App Store Connect automatically. Your existing products just work.

Add the SDK Your Products, Synced Call Checkout Get Paid
// Swift — Xcode → File → Add Packages
github.com/zerosettle/ZeroSettleKit
// Flutter
flutter pub add zerosettle
// pub.dev/packages/zerosettle

Add the SDK

Drop-in packages for Swift, React Native, and Flutter. Just add the dependency and you're ready to go.

Products Synced
Pro Monthly $9.99 $7.99
Pro Annual $79.99 $59.99
Web-only pricing

Your Products, Synced

We import your StoreKit products automatically. Edit pricing, add web-only discounts, incentivize users to switch.

Upgrade to Pro
$7.99/mo
Subscribe

Call Checkout

Trigger the payment flow with a single method call. We handle the rest.

✓ Payout Sent
$12,450.00
Jan 15, 2026

Get Paid

Receive payouts on your schedule. Tax, fraud protection, and payouts — all handled.

Choose Your Billing Engine

Chargeback & Fraud

We handle all disputes and fraud protection. Chargebacks are our problem, not yours.

Tax Remittance

Global sales tax, VAT, and GST calculated, collected, and remitted automatically in 190+ countries.

Customer Support

Billing inquiries, refund requests, and payment issues handled 24/7 by our support team.

Frequently Asked Questions

Everything you need to know about offering direct billing alongside the App Store.

How many apps already offer direct billing?

Thousands. Since the Epic v. Apple ruling took effect, direct billing has gone from niche to mainstream. Companies like Spotify, Netflix, Amazon, and many more have adopted external payment options — and the number of smaller developers following suit is growing rapidly every month.

This isn't early-adopter territory anymore. Direct billing is an established, proven revenue strategy used across every app category — from subscriptions and SaaS to gaming, media, and education.

How long does it take to integrate?

Most developers are up and running in under 15 minutes. Add the SDK (one line in your package manager), configure your publishable key, and call the checkout method — that's it. Your existing App Store Connect products sync automatically.

There's no backend to build and no payment infrastructure to manage. As your Merchant of Record, ZeroSettle handles payments, tax, and disputes. You write a few lines of code and start keeping more revenue immediately.

What does the checkout experience look like for my users?

It feels native. In the US, we support a fully embedded payment sheet that appears inside your app — users see Apple Pay and card options without ever leaving. The entire purchase completes in seconds, just like a StoreKit transaction.

In other regions, the checkout opens in an in-app browser or Safari depending on your configuration. Either way, it's a fast, familiar Stripe-powered flow with Apple Pay support. Users get an instant email receipt and you get a callback confirming the purchase.

Is offering alternative payments on iOS legal?

Yes. Two major legal changes have made this explicitly legal:

United States — The Epic Games v. Apple injunction (upheld by the Supreme Court in 2025) requires Apple to allow developers to direct users to alternative payment methods. Apple can no longer prohibit links or buttons that point to external purchase options.

European Union — The Digital Markets Act (DMA) requires Apple to allow third-party payment processors and alternative distribution on iOS within the EU. Apple introduced new business terms in early 2024 to comply.

ZeroSettle operates within both of these legal frameworks. We are not exploiting a loophole — these are established, court-ordered and legislated rights for developers.

Where is direct billing available? Are there region restrictions?

Direct billing availability depends on the user's jurisdiction:

United States — All checkout types are available (native payment sheet, in-app browser, and external Safari). This is the broadest option thanks to the Epic v. Apple ruling.

European Union — In-app browser and external Safari checkout are available under the Digital Markets Act. We recommend in-app browser for the best conversion rates.

Rest of World — In most other regions, direct billing may not be permitted under current platform policies. The ZeroSettle SDK automatically detects the user's location and falls back to StoreKit in these regions, so your app works everywhere without any code changes.

You can configure which checkout type to use in each region from your ZeroSettle dashboard.

Ready to keep more of your revenue?

Set up in 15 minutes and see instant margin and retention improvements.

Get Started Book a Demo