ZeroSettle vs. StoreKit / Play Billing
If your job is to sell subscriptions and IAPs and keep more of what your users pay, the stores are the default — and they take 30% (15% for small business), act as Merchant of Record, and give you only basic analytics. ZeroSettle adds direct web billing so you keep ~85%+ on that revenue, with full analytics free — and the SDK auto-falls-back to StoreKit and Play Billing wherever direct billing isn't permitted, so your app works everywhere.
15% under the Small Business Program — you keep roughly 70%.
With ZeroSettle web billingKept on web-checkout revenue, after payment processing fees.
Store fallbackSDK falls back to StoreKit / Play Billing wherever direct billing isn't permitted.
The 30% status quo vs. direct billing
ZeroSettle doesn't replace the stores — it adds a higher-margin path and keeps the stores as automatic fallback. Fees apply only to web-checkout revenue; your App Store and Play sales are never charged a ZeroSettle fee.
| StoreKit / Play Billing | ZeroSettle direct billing | |
|---|---|---|
| Your share of revenue | ✗ ~70% store takes 30% (15% small-business) | ✓ ~85%+ on web-checkout revenue |
| Merchant of Record | ✓ The store | ✓ Optional stay MoR (BYOS) or we're MoR (Managed) |
| Subscription analytics MRR, churn, retention, trials |
◐ Basic in App Store Connect | ✓ Full · free · no MRR cap |
| Entitlements across iOS, Android & web | ✗ No cross-platform identity | ✓ Included free |
| A/B testing on prices & paywalls | ✗ | ✓ Included free |
| Works where direct billing isn't allowed | ✓ It's the store | ✓ Auto-falls-back to the store region-aware, no code changes |
| Global tax, chargebacks & support | ✓ The store handles it | ✓ Managed mode · 190+ countries |
| Fee on App Store & Play sales | 30% (15% small-business) | ✓ Never charged by ZeroSettle store fees still apply on store sales |
| Fee on web-checkout revenue | n/a | 0.5% BYOS / 5% + 50¢ Managed BYOS adds your Stripe fees and keeps you MoR; Managed is all-in with MoR |
Comparison reflects publicly listed pricing and capabilities as of May 2026. ZeroSettle fees apply only to web-checkout revenue — App Store and Play sales are never charged a ZeroSettle fee.
When to choose which
This isn't either/or. ZeroSettle adds a path; the stores stay as fallback.
Stay on the stores if…
Your volume is low, you already qualify for the 15% small-business rate, and you're happy letting the store be Merchant of Record and own analytics, tax, and support. There's nothing to add and nothing to maintain.
Add ZeroSettle if…
You want to keep ~85%+ on web-checkout revenue instead of ~70%, get full analytics and cross-platform entitlements free, and run paywall A/B tests — while the SDK auto-falls-back to StoreKit and Play Billing wherever direct billing isn't permitted, so your app still works everywhere.
Other comparisons
See how ZeroSettle stacks up against the other ways to bill.
vs. RevenueCat
Same analytics and entitlements, plus direct billing and free A/B testing on one platform.
ZeroSettle vs. RevenueCatvs. raw Stripe
Stripe is the rail underneath direct billing. See what you'd build yourself versus one SDK call.
ZeroSettle vs. StripeKeep ~85%+ instead of ~70%
Add a higher-margin path without leaving the stores behind — direct billing where it's allowed, automatic store fallback where it isn't. Free analytics & entitlements in 5 minutes; direct billing on iOS & Android in 15.