Apple and Google must allow other in-app payment systems, Korean law declares

Re:Apple and Google must allow other in-app payment systems,... by joshstrange on Tuesday August 31, 2021 @11:52AM (#28369559)

> Charge me roughly 2 % for In App Purchases just like Stripe and PayPal.

This is so disingenuous and I'm so tired of seeing Apple's fee pegged at 30% (even though it 15% for the VAST majority of developers) and then turn around and pretend Stripe/PP offer anything close to 2%.

Paypal is 3.5% + $0.49

Stripe is 2.9% + $0.30

At low price points (you know, the price points that almost all IAP/Paid App are at save for longer, like annual, subscriptions) your fee is still substantial.

If you are lucky Apple will create a special provision for 3rd party payment providers that will provide subscription/cancellation/refund/etc infrastructure. If they don't do that then you can expect the above rates to be even higher. 2% is only obtainable with a more bare-bones payment processor so you will have to build quite a bit up and any company providing full "app payment services" is going to charge more than Stripe/PayPal. Heck, even the prices I listed for Stripe are the lowest they go (unless you are doing over 1.5M annually and qualify for bulk/volume pricing) and if you want things like fraud protection that's extra. Oh you want to calculate tax? Extra .5%. Fraud protections? $.05 or $.07/per transaction extra. Chargeback protection? Extra .4%, and the list goes on.

[ Parent | on HN ]

Re:Apple and Google must allow other in-app payment systems,... by WA on Tuesday August 31, 2021 @03:51PM (#28372681)

- 15% is a rather new development. Most devs paid 30% for many years. I paid 30% for over 10 years.

- Stripe is cheaper in the EU for EU cards. 1.4% plus €0.25

- Apple didn’t even notify me about individual refunds for what? 10 years? And it’s still unreliable and annoying so that I don’t even bother, because I get like 3 refunds per month. You could actually get a refund and still keep the app for a long time.

- People complain to me if they want a refund, but Apple gives me no control. I have to redirect them to Apple customer support. I am perceived as the bad person and this costs me money in terms of customer support and I can’t even help people, because Apple wants to own the relationship between app devs and customers.

There are so many silly things about the App Store that your quotation of 15% as a generous service is laughable.

Edit: but yes, Stripe and PayPal are more than 2% in reality, but far from 15% or even 30%, except for micro transactions.

[ Parent | on HN ]