# ZeroSettle

> ZeroSettle is the free mobile revenue platform for iOS and Android developers. It provides MRR analytics, entitlement management, and A/B testing for free on every tier — plus optional direct (web) billing that lets eligible in-app purchases skip the App Store and Play Store 30% commission, dropping fees to ~3% payment processing while staying store-compliant. StoreKit and Play Billing remain as an automatic, compliant fallback.

## About

- ZeroSettle acts as a Merchant of Record (MoR) — or lets you bring your own Stripe (BYOS) and stay MoR yourself.
- Core SDKs: iOS (Swift), Android (Kotlin), Flutter, React Native. One SDK call routes each purchase to direct web checkout or the native store.
- Analytics, entitlements, and A/B testing are always free, with no MRR cap. Fees apply only to web-checkout revenue, never to App Store or Play Store sales.
- Pricing: BYOS at 0.5%, Managed MoR at 5% + 50¢ on web-checkout revenue.
- Sign up / dashboard: https://dashboard.zerosettle.io/?mode=sign-up

## Marketing site (zerosettle.io)

- [Home](https://zerosettle.io): The free mobile revenue platform — analytics, entitlements, A/B testing, plus optional direct billing.
- [Why direct billing](https://zerosettle.io/why-direct-billing): Keep 85%+ of revenue instead of 70%, own the customer relationship, set your own prices.
- [How billing routing works](https://zerosettle.io/iap): How ZeroSettle routes each purchase — direct web billing first, StoreKit/Play Billing as a compliant fallback.
- [Switch & Save (migration)](https://zerosettle.io/migration): Move existing iOS and Android subscribers from the stores to direct billing — gradually, safely, with incentive pricing.
- [Upgrade & Retain](https://zerosettle.io/retain): Cancel-flow questionnaires, retention offers, subscription pausing, and upgrade prompts to turn cancellations into saves.
- [Payouts](https://zerosettle.io/express): Choose Managed payouts (ZeroSettle as MoR) or bring your own Stripe (BYOS) and stay MoR.
- [Pricing](https://zerosettle.io/pricing): Free analytics/entitlements/A-B testing on every tier; BYOS 0.5%, Managed MoR 5% + 50¢ on web-checkout revenue.
- [Quickstart](https://zerosettle.io/quickstart): Live in about a day — add the SDK, set your key, make one checkout call; ASC and Play Console products sync automatically.
- [Transparency & Control](https://zerosettle.io/transparency): What Apple allows, what they require, and what ZeroSettle handles — with live sources and verified dates.
- [FAQ](https://zerosettle.io/faq): Answers on pricing, integration, compliance, and how free analytics + direct checkout work alongside the stores.
- [Savings calculator](https://zerosettle.io/worth-the-squeeze): Estimate how much you save switching from the 30% store fee to direct billing.
- [Changelog](https://zerosettle.io/changelog): Latest releases across the iOS, Android, Flutter, and React Native SDKs, dashboard, and platform.
- [Book a demo](https://zerosettle.io/demo): Book a 15-minute demo with the ZeroSettle team.

## Comparisons

- [ZeroSettle vs. RevenueCat](https://zerosettle.io/compare/vs-revenuecat): Same cross-platform analytics and entitlements, plus direct web checkout in one SDK call — A/B testing free, no MRR cap.
- [ZeroSettle vs. StoreKit / Play Billing](https://zerosettle.io/compare/vs-storekit): Stores take 30% (15% small-business); direct billing keeps ~85%+ on web-checkout revenue with automatic store fallback.
- [ZeroSettle vs. raw Stripe](https://zerosettle.io/compare/vs-stripe): Get checkout, entitlements, analytics, and A/B testing in one SDK call instead of building it yourself; BYOS keeps your own Stripe.

## Documentation (docs.zerosettle.io)

- [Docs home / Introduction](https://docs.zerosettle.io): Overview of ZeroSettle and how to get started.
- [Docs changelog](https://docs.zerosettle.io/changelog): SDK- and platform-visible changes.

### In-App Purchase — Overview & Getting Started

- [IAP overview](https://docs.zerosettle.io/iap/overview): How ZeroSettle's in-app purchase system works end to end.
- [Account setup](https://docs.zerosettle.io/iap/account-setup): Create an account and connect App Store Connect / Play Console.
- [Installation](https://docs.zerosettle.io/iap/installation): Add the SDK to your project.
- [Quickstart (iOS)](https://docs.zerosettle.io/iap/quickstart): Configure your key and make your first checkout call.
- [Quickstart (Android)](https://docs.zerosettle.io/iap/quickstart-android): Android integration walkthrough.
- [Quickstart (Flutter)](https://docs.zerosettle.io/iap/quickstart-flutter): Flutter integration walkthrough.

### Dashboard

- [Dashboard](https://docs.zerosettle.io/iap/dashboard): Manage products, analytics, and configuration.
- [Checkout branding](https://docs.zerosettle.io/iap/checkout-branding): Customize the web checkout appearance.
- [Custom domains](https://docs.zerosettle.io/iap/custom-domains): Serve checkout from your own domain.
- [Stripe catalog](https://docs.zerosettle.io/iap/stripe-catalog): Map ZeroSettle products to your Stripe catalog (BYOS).
- [Cancel flow](https://docs.zerosettle.io/iap/cancel-flow): Configure retention questionnaires and offers.
- [Campaigns](https://docs.zerosettle.io/iap/campaigns): Run migration and promotional campaigns.

### Checkout

- [Payment sheet](https://docs.zerosettle.io/iap/payment-sheet): The native payment sheet (Apple Pay / card).
- [Preloading](https://docs.zerosettle.io/iap/preloading): Preload checkout for instant presentation.
- [Checkout errors](https://docs.zerosettle.io/iap/checkout-errors): Handle and recover from checkout errors.
- [Promotions](https://docs.zerosettle.io/iap/promotions): Discounts and promotional pricing.
- [Switch & Save](https://docs.zerosettle.io/iap/switch-and-save): Migrate existing store subscribers to direct billing.
- [Offer tip view](https://docs.zerosettle.io/iap/offer-tip-view): Built-in UI to present migration/upgrade offers.
- [Migration manager](https://docs.zerosettle.io/iap/migration-manager): Programmatic control of the migration flow.
- [Offer manager](https://docs.zerosettle.io/iap/offer-manager): Programmatic control of offers.
- [Universal links](https://docs.zerosettle.io/iap/universal-links): Deep-link configuration for checkout return.

### Users & Subscriptions

- [User identity](https://docs.zerosettle.io/iap/user-identity): Identify and scope users per app.
- [Entitlement ownership](https://docs.zerosettle.io/iap/entitlement-ownership): How entitlements are owned and resolved across sources.
- [Subscription state](https://docs.zerosettle.io/iap/subscription-state): Read current subscription/entitlement state.
- [Customer portal](https://docs.zerosettle.io/iap/customer-portal): Self-serve management for end users.
- [Custom cancel flow](https://docs.zerosettle.io/iap/custom-cancel-flow): Build your own cancellation experience.
- [Upgrade offer](https://docs.zerosettle.io/iap/upgrade-offer): Present plan upgrades with proration.
- [Refunding payments](https://docs.zerosettle.io/iap/refunding-payments): Issue refunds and revoke entitlements.
- [Payouts](https://docs.zerosettle.io/iap/payouts): Get paid for web-checkout revenue.

### Server-Side

- [Webhooks](https://docs.zerosettle.io/iap/webhooks): Receive server-side events from ZeroSettle.
- [Stripe integration](https://docs.zerosettle.io/iap/stripe-integration): Connect and use Stripe (Managed or BYOS).

### Integrations

- [RevenueCat integration](https://docs.zerosettle.io/iap/revenuecat-integration): Use ZeroSettle alongside RevenueCat.
- [StoreKit integration](https://docs.zerosettle.io/iap/storekit-integration): StoreKit 2 purchase tracking and sync.
- [Play Billing integration](https://docs.zerosettle.io/iap/play-billing-integration): Google Play Billing tracking and RTDN.

### Compliance, Testing & Launch

- [Compliance](https://docs.zerosettle.io/iap/compliance): Stay App Store and Play Store compliant.
- [External purchase reporting](https://docs.zerosettle.io/iap/external-purchase-reporting): Report external purchases to Apple/Google.
- [Testing](https://docs.zerosettle.io/iap/testing): Test purchases in sandbox.
- [Troubleshooting](https://docs.zerosettle.io/iap/troubleshooting): Diagnose common integration issues.
- [Go live](https://docs.zerosettle.io/iap/go-live): Production launch checklist.
- [Migration guide](https://docs.zerosettle.io/iap/migration-guide): Upgrade between SDK versions.
- [SDK versions](https://docs.zerosettle.io/iap/sdk-versions): Supported SDK versions.
- [Best practices](https://docs.zerosettle.io/iap/best-practices): Recommended patterns for production.
- [Sample app](https://docs.zerosettle.io/iap/sample-app): Reference integration.

## API Reference (docs.zerosettle.io/api-reference)

- [Introduction](https://docs.zerosettle.io/api-reference/introduction): Authentication and conventions for the REST API.
- [Get products](https://docs.zerosettle.io/api-reference/endpoint/get-products): Fetch the product catalog.
- [Create payment intent](https://docs.zerosettle.io/api-reference/endpoint/create-payment-intent): Start a native-checkout payment.
- [Create payment intent (batch)](https://docs.zerosettle.io/api-reference/endpoint/create-payment-intent-batch): Create multiple payment intents.
- [Create checkout session](https://docs.zerosettle.io/api-reference/endpoint/create-checkout-session): Start a hosted checkout session.
- [Get transaction](https://docs.zerosettle.io/api-reference/endpoint/get-transaction): Look up a single transaction.
- [Get transaction history](https://docs.zerosettle.io/api-reference/endpoint/get-transaction-history): List a user's transactions.
- [Get entitlements](https://docs.zerosettle.io/api-reference/endpoint/get-entitlements): Read a user's entitlements.
- [Claim entitlement](https://docs.zerosettle.io/api-reference/endpoint/claim-entitlement): Claim an entitlement for a user.
- [Sync StoreKit transaction](https://docs.zerosettle.io/api-reference/endpoint/sync-storekit-transaction): Report a StoreKit purchase.
- [Get StoreKit subscription status](https://docs.zerosettle.io/api-reference/endpoint/get-storekit-subscription-status): Read StoreKit subscription state.
- [Update StoreKit status](https://docs.zerosettle.io/api-reference/endpoint/update-storekit-status): Update StoreKit subscription state.
- [Cancel subscription](https://docs.zerosettle.io/api-reference/endpoint/cancel-subscription): Cancel a web-checkout subscription.
- [Pause subscription](https://docs.zerosettle.io/api-reference/endpoint/pause-subscription): Pause a subscription.
- [Resume subscription](https://docs.zerosettle.io/api-reference/endpoint/resume-subscription): Resume a paused subscription.
- [Get cancel flow](https://docs.zerosettle.io/api-reference/endpoint/get-cancel-flow): Fetch the configured cancel flow.
- [Submit cancel-flow response](https://docs.zerosettle.io/api-reference/endpoint/submit-cancel-flow-response): Record a cancel-flow answer.
- [Accept cancel-flow offer](https://docs.zerosettle.io/api-reference/endpoint/accept-cancel-flow-offer): Accept a retention offer.
- [Get upgrade offer](https://docs.zerosettle.io/api-reference/endpoint/get-upgrade-offer): Fetch an available upgrade offer.
- [Execute upgrade offer](https://docs.zerosettle.io/api-reference/endpoint/execute-upgrade-offer): Apply an upgrade offer.
- [Respond to upgrade offer](https://docs.zerosettle.io/api-reference/endpoint/respond-upgrade-offer): Record an upgrade-offer response.
- [User offer](https://docs.zerosettle.io/api-reference/endpoint/user-offer): Resolve the best offer for a user.
- [Migration converted](https://docs.zerosettle.io/api-reference/endpoint/migration-converted): Mark a migration as converted.
- [Create customer portal session](https://docs.zerosettle.io/api-reference/endpoint/create-customer-portal-session): Open the self-serve customer portal.
- [Restore purchases](https://docs.zerosettle.io/api-reference/endpoint/restore-purchases): Restore a user's purchases.
- [Track event](https://docs.zerosettle.io/api-reference/endpoint/track-event): Send an analytics event.

## SDK Releases (docs.zerosettle.io/releases)

- [Releases overview](https://docs.zerosettle.io/releases): Release notes across all SDKs.
- [iOS SDK releases](https://docs.zerosettle.io/releases/ios): iOS (Swift) SDK version history.
- [Android SDK releases](https://docs.zerosettle.io/releases/android): Android (Kotlin) SDK version history.
- [Flutter SDK releases](https://docs.zerosettle.io/releases/flutter): Flutter SDK version history.
- [React Native SDK releases](https://docs.zerosettle.io/releases/react-native): React Native SDK version history.

## Optional

- [Full docs as text (llms-full.txt)](https://docs.zerosettle.io/llms-full.txt): Complete documentation content in a single file for LLM ingestion.
- [Privacy Policy](https://zerosettle.io/legal/privacy): How ZeroSettle collects, uses, and protects information.
- [Terms of Service](https://zerosettle.io/legal/terms): Terms governing use of the ZeroSettle platform.
- Support: support@zerosettle.io