ZeroSettle provides an SDK that enables iOS app developers to bypass the App Store’s 30 % commission by processing in‑app purchases directly. The SDK integrates with StoreKit, offers native‑look payment sheets with Apple Pay or card entry, and handles merchant‑of‑record functions such as payment processing, global tax compliance, fraud protection, and subscription lifecycle management. Real‑time analytics are available via a dashboard or API.
Funding
Funding not disclosed
Founders
Product
Problem
Mobile app developers using Apple’s App Store are required to remit a 30 % commission on in‑app purchases, which reduces profit margins and limits pricing flexibility. Managing payments, tax compliance, fraud protection, and subscription lifecycle across multiple jurisdictions adds operational complexity and cost.
Solution
ZeroSettle offers a developer‑focused SDK that replaces the App Store’s commission with a direct‑billing flow while preserving the native user experience. The SDK synchronizes automatically with existing StoreKit product definitions, enabling a drop‑in integration that can be completed in minutes. It provides embedded payment sheets that support Apple Pay and card entry, and routes transactions through a jurisdiction‑aware layer that selects the appropriate checkout method for each region. ZeroSettle acts as the merchant of record, handling payment processing, tax calculation and remittance, fraud detection, and chargeback resolution. Subscription management features—including upgrades, downgrades, and cancel flows—are built into the SDK, allowing developers to retain full control over pricing and retention strategies. All transaction data are transmitted securely to ZeroSettle’s cloud platform, where real‑time reporting and analytics are available via a dashboard or API.
Target Audience
The primary customers are mobile app developers and product teams that sell subscriptions or consumable in‑app purchases on iOS (and Android) and seek to lower platform fees while maintaining a seamless checkout experience.
Features
- Multi‑platform SDKs for Swift, React Native, and Flutter with a single method call to launch the checkout flow
- Automatic import and synchronization of StoreKit product catalog, supporting price edits and web‑only discounts from the dashboard
- Embedded, native‑look payment sheet with one‑tap Apple Pay and card entry, keeping users inside the app
- Jurisdiction‑aware routing that selects native, in‑app‑browser, or external checkout based on legal allowances in 190+ countries
- Full subscription lifecycle management (upgrade, downgrade, pause, cancel) and smart cancellation flows to reduce churn
- Merchant‑of‑record services handling payment processing, global tax (VAT, GST, sales tax) calculation and remittance, and fraud/chargeback protection
- Real‑time analytics dashboard and API for revenue reporting, A/B testing of offers, and conversion optimization