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ZeroSettle

ZeroSettle

Drop-in direct billing SDK to skip the 30% Apple Tax

Website zerosettle.io
Overview

What it is

ZeroSettle is a drop-in direct billing SDK for mobile apps. It takes 15 minutes to set up and developers immediately start enjoying zero App Store fees, higher user retention, and instant payouts.

Intent

I need it when

Reduce app store fees and increase revenue margin on in-app subscriptions

ZeroSettle enables developers to offer direct web-based billing alongside Apple IAP, reducing fees from 30% to 5% + $0.50 per transaction. The SDK syncs existing App Store products automatically and handles checkout, tax remittance, fraud protection, and chargebacks, allowing developers to keep significantly more revenue with minimal integration effort.

Comply with legal requirements for alternative payment options on iOS in US and EU

ZeroSettle operates within the Epic v. Apple injunction (US) and Digital Markets Act (EU) frameworks, providing legal direct billing options. The SDK automatically detects user location and applies appropriate checkout types per region, ensuring compliance without requiring developer code changes.

Reduce customer churn and improve subscription retention

ZeroSettle's save-the-sale flows convert cancellation attempts into revenue retention by offering pauses, discounts, and plan switches directly within the app. The platform also provides A/B testing and intelligent offer configuration to optimize conversion rates and lifetime value.

Migrate existing App Store subscribers to direct billing without losing revenue

ZeroSettle provides intelligent campaign flows and switch incentives that surface at optimal moments, offering users real savings to transition from monthly to annual billing or from StoreKit to web checkout. The platform supports prorated upgrades and downgrades, enabling seamless migration while improving lifetime value and reducing churn.

Integrate direct billing quickly without building custom payment infrastructure

ZeroSettle offers drop-in SDKs for Swift, Kotlin, and Flutter that integrate in under 15 minutes. Developers add one dependency, configure a publishable key, and call checkout—no backend required. ZeroSettle handles all payment processing, tax calculation across 190+ countries, and customer support as Merchant of Record.

Drop

Not a fit when

  • App operates exclusively outside US and EU where direct billing is not permitted under platform policies
  • Developer requires backend payment infrastructure management and prefers not to use a Merchant of Record
  • App has very low transaction volume where 5% + $0.50 per transaction exceeds acceptable payment processing costs
  • User base is primarily in regions where ZeroSettle SDK automatically falls back to StoreKit with no direct billing option
  • Developer needs payment processing for non-subscription or non-app revenue models not supported by ZeroSettle
Commercials

Pricing

Transaction-based fee: 5% + $0.50 per transaction. Merchant of Record handles tax, fraud, and chargebacks. View pricing