ZeroSettle

ZeroSettle is a comprehensive billing solution designed specifically for iOS and Android app developers seeking to increase their profit margins. It legally enables developers to offer users a choice between standard in-app purchases (IAP) through the App Store and direct web-based billing. By facilitating this alternative payment route, ZeroSettle allows developers to avoid Apple's 30% platform fee on eligible transactions, significantly boosting net revenue. The platform acts as the Merchant of Record, handling all complexities including payment processing, global tax calculation and remittance, fraud protection, and compliance with platform guidelines.

How to use ZeroSettle

Integrating ZeroSettle into your mobile app is designed to be a quick process. First, add the ZeroSettle SDK to your project using your preferred package manager (Swift Package Manager for Xcode, or pub for Flutter). The SDK automatically syncs with your App Store Connect account to import existing products and pricing. Next, configure your publishable key within the SDK. Finally, trigger the checkout flow by calling a single method in your code when a user initiates a purchase. ZeroSettle then intelligently routes the user to either a direct web checkout or the standard StoreKit flow based on their region and your configuration, handling the entire payment process and providing instant purchase confirmation.

Core Features of ZeroSettle

• Dual Billing Routing: Automatically presents direct billing or StoreKit IAP based on user location and legal permissions.
• Automatic Product Sync: Imports your existing product catalog and pricing from App Store Connect and Stripe.
• Merchant of Record Services: Handles global tax calculation, collection, and remittance (VAT, GST, sales tax) in 190+ countries, along with fraud protection and chargeback management.
• Flexible Checkout Experiences: Offers native embedded payment sheets (US), in-app browser checkout (US & EU), and automatic StoreKit fallback for other regions.
• Smart Incentive & Retention Flows: Provides tools to create offers, discounts, and smart cancellation flows (like pauses or plan switches) to incentivize users to choose direct billing and reduce churn.
• Seamless Integrations: Works with existing monetization stacks like RevenueCat, Superwall, and Adapty.

Use Cases for ZeroSettle

ZeroSettle is ideal for any mobile app business with in-app purchases or subscriptions. Primary use cases include subscription-based apps (SaaS, media, fitness), mobile games selling consumables or unlocks, and educational apps. It is particularly valuable for developers with significant iOS revenue who want to legally increase their profit margins by migrating users to a lower-fee payment method, and for those seeking to simplify global tax and compliance burdens.

Advantages of ZeroSettle

The primary advantage is substantial revenue retention, allowing developers to keep roughly 20-25% more of their iOS revenue compared to using only Apple IAP. It provides instant payouts compared to App Store's delayed schedule. The platform ensures full legal and tax compliance, reducing developer liability. Integration is fast, requiring no backend build or payment infrastructure management. It also offers tools to improve user retention and lifetime value (LTV) through smart incentive campaigns.

Pricing and Plans

ZeroSettle operates on a hybrid pricing model. For its core ZeroSettle Billing service, which processes direct payments, the fee is 5% + $0.50 per transaction. This contrasts sharply with Apple's standard 30% IAP fee. Additionally, ZeroSettle offers a "Go Pro" subscription plan which unlocks advanced features like unlimited projects, priority support, and advanced analytics. The Pro plan costs $9.99 per month or $79.99 per year (which offers a savings equivalent to $7.99/month).