ZeroSettle vs. raw Stripe
If your job is to sell subscriptions and IAPs directly to your app's users, raw Stripe gives you the payment rail — but you build the checkout, entitlements, subscription analytics, paywall A/B testing, and you become the Merchant of Record handling global tax and disputes. ZeroSettle gives you all of that in one SDK call. And because BYOS runs on your own Stripe, it's not either/or.
With raw Stripe you build and maintain every piece of this yourself.
BYOS · on your own StripeOf web-checkout revenue, plus your Stripe fees. You stay Merchant of Record.
Merchant of RecordHand global tax & disputes to us on Managed, or keep them on BYOS.
Build it yourself, or get it in one call
Stripe is the rail underneath ZeroSettle. The difference is everything you'd otherwise build and maintain on top of it.
| Raw Stripe build it yourself | ZeroSettle | |
|---|---|---|
| In-app checkout | ◐ You build it | ✓ One SDK call |
| Entitlements across iOS, Android & web | ✗ You build it | ✓ Included free |
| Subscription analytics MRR, churn, retention, trials |
✗ You build it | ✓ Free · no MRR cap |
| A/B testing on prices & paywalls | ✗ You build it | ✓ Included free |
| Merchant of Record | ✗ You are you own tax and disputes | ✓ Optional stay MoR (BYOS) or we're MoR (Managed) |
| Global tax remittance | ✗ Your problem + a separate tax vendor | ✓ Managed mode · 190+ countries |
| Chargeback & fraud handling | ◐ Stripe tools, you operate them | ✓ Managed mode |
| Time to launch | Weeks of build | ~15 min |
| Fee on web-checkout revenue App Store & Play sales never charged |
~2.9% + 30¢ Stripe + a tax vendor | 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. We update when competitors update.
When to choose which
Stripe is excellent. The question is how much of the stack you want to build and own.
Pick raw Stripe if…
You want full control over every part of checkout, entitlements, and analytics, you have the engineering to build and maintain it, and you're prepared to be the Merchant of Record — owning global tax and disputes yourself.
Pick ZeroSettle if…
You want checkout, entitlements, analytics, and A/B testing without building them. Run BYOS on your own Stripe at 0.5% and stay Merchant of Record, or pick Managed mode (5% + 50¢) and we become MoR — handling tax across 190+ countries, chargebacks, and support.
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. StoreKit / Play Billing
The 30% status quo versus keeping ~85%+ on web-checkout revenue, with automatic store fallback.
ZeroSettle vs. StoreKitSkip the build. Keep your Stripe.
Checkout, entitlements, analytics, and A/B testing in one SDK — running on your own Stripe with BYOS, or fully managed. Free analytics & entitlements in 5 minutes; direct billing on iOS & Android in 15.