Capability — Payments
The 30% era is over.
Court rulings and EU regulation cracked the app-store payment monopoly. We build the web-to-app checkout, billing and compliance stack that captures the difference.
The new rules
APR 2025
Epic v. Apple ruling: a US court bars Apple from blocking or taxing external payment links; developers may steer users to web checkout.
2024–2026
EU Digital Markets Act: alternative payments and marketplaces mandated; Apple fined €500M for anti-steering; a layered fee system replaces the flat 30%.
DEC 2025
The Ninth Circuit largely upholds the US ruling; the question of a reasonable commission is remanded and Apple heads to the Supreme Court. External payments remain commission-free in the US meanwhile.
2025–2026
Google settles with Epic: Play fees drop to 20% or less with external billing permitted; reporting obligations begin October 2026.
Regulatory landscape summarized as of mid-2026; not legal advice.
Fee calculator
Model the margin you are handing to the store.
$100,000
Store commission tier
EVERGREEN WEB CHECKOUT: ~4% BLENDED PROCESSING
Estimated annual saving on shifted volume
$312,000
Illustrative model. Assumes 100% of volume shifted where legally permitted; real programs route per GEO and per cohort.
What the stack includes
Checkout is the easy part.
- 01Mobile-optimized web checkout with Apple Pay and Google Pay
- 02Subscription management portal for end users
- 03Entitlement syncing back into the app
- 04Dunning and billing-failure recovery
- 05Tax and VAT handling, including merchant-of-record options
- 06Store-compliant steering flows configured per GEO
Honesty block
Web checkout converts lower than native in-app purchase if done badly. The margin only materializes with a fast, wallet-first flow — that is the craft. We A/B store versus web routing per GEO and only shift volume where net revenue wins.