You already make $ ARR.
Why not keep $155K more?
Direct billing, upgrade offers, migration campaigns, and cancel flows — all from a single SDK that takes 15 minutes to integrate.
Keep More, Your Way
Checkout, migration, upgrade offers, and retention flows — powered by a single SDK with built-in A/B testing.
Sign Up & Save Paywalls
Give new users a choice: subscribe through the App Store, or go direct and save. You preserve the native flow for those who want it, while incentivizing the route that's better for your margins.
Read the Docs →Switch & Save Campaigns
Intelligent, unobtrusive nudges that surface at the right moment, offering users a real incentive to switch to direct billing. Switches loyal users over, improves LTV, and saves everyone money.
Read the Docs →Upgrade & Save Offers
Prompt subscribers to switch from monthly to annual with prorated savings. Supports web-to-web upgrades and StoreKit-to-web migrations — configured entirely from the dashboard.
Read the Docs →Save the Sale Flows
Turn cancel taps into LTV improvements. Offer pauses, discounts, and plan switches right inside your app. Fewer users leave. More revenue stays.
Read the Docs →Every flow supports A/B testing from the dashboard. Test discounts, messaging, targeting, and timing — no app update required.
Is The Juice Worth The Squeeze?
See how much you can save by avoiding Apple's 30% fee.
We handle payments, tax, compliance, refunds, and receipts. 5% + 50¢ per transaction.
Win-Win-Win Pricing
Your customers pay less. You keep more. We only get paid when both happen.
We handle payments, tax, compliance, refunds, and receipts. 5% + 50¢ per transaction.
Apple's in-app purchase fee. High cost, platform lock-in, complex subscription management.
Simple integration, instant payouts, full compliance included. We handle everything.
Integrate in 15 Minutes
We sync with App Store Connect automatically. Your existing products just work.
Add the SDK
Drop-in packages for Swift, React Native, and Flutter. Just add the dependency and you're ready to go.
Your Products, Synced
We import your StoreKit products automatically. Edit pricing, add web-only discounts, incentivize users to switch.
Call Checkout
Trigger the payment flow with a single method call. We handle the rest.
Get Paid
Receive payouts on your schedule. Tax, compliance, fraud — all handled.
Choose Your Billing Mode
ZeroSettle is your Merchant of Record. All the boring stuff Apple already handles, we handle for you too.
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 much extra revenue can I keep?
Most developers keep an additional 20-25% of their iOS revenue after switching eligible purchases to direct billing. On $1M ARR with 75% web adoption, that's roughly $200K+ in extra profit per year — money that was previously going to Apple's 30% cut.
The exact amount depends on your revenue, what percentage of users you migrate to direct billing, and whether you offer a discount to incentivize the switch. Try the savings calculator above to see your numbers.
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, no payment infrastructure to manage, and no compliance paperwork to file. ZeroSettle handles all of that as your Merchant of Record. 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.
Am I compliant with Apple's guidelines if I use ZeroSettle?
Yes. ZeroSettle is designed from the ground up to be compliant with Apple's current App Store Review Guidelines, including the updated rules around external purchase links and StoreKit External Purchase entitlements.
As your Merchant of Record, we handle the compliance details: proper disclosure language, the required in-app modal Apple specifies for external links, correct handling of the External Purchase entitlement, and region-specific rules. Our SDK automatically adapts the checkout flow to the user's jurisdiction so you don't have to think about it.
We also handle all tax compliance (sales tax, VAT, GST), consumer protection requirements, and refund/chargeback obligations in every supported region.
Will my app be rejected or removed from the App Store?
No. Apple's own guidelines now explicitly permit alternative payment methods in supported jurisdictions. Hundreds of apps — from small indie developers to major companies — already offer direct billing alongside StoreKit without any issues.
The key is doing it correctly: using the proper entitlements, following Apple's disclosure requirements, and only offering direct billing in jurisdictions where it's allowed. ZeroSettle handles all of this automatically. In regions where direct billing isn't yet permitted, the SDK falls back to standard StoreKit — your users always have a way to purchase.
We've worked with Apple's guidelines since the first day the external purchase rules took effect and keep our implementation current with every policy update.
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 is not yet legally permitted. 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. As new jurisdictions open up, we'll enable them automatically.
Ready to keep more of your revenue?
Checkout, upgrade offers, migration, and retention — set up in 15 minutes.