5% price cut: -$3.5 B
15% price cut: -$10.5 B
... I think all bets are on the table as to how Apple will respond, given the magnitude of what we're talking about.
https://www.paypal.com/us/webapps/mpp/merchant-fees
A micropayment is 5% + $0.09. For a $0.99 purchase, this is about 15%.
I would expect other payment processors to be similar.
This also leads to the question of "how do you maintain the in app purchases?" Is it an account on a website that has 100% uptime? Does it work for solo games when there's no network connectivity?
This works for Epic (big company, lots of payment processing already). It doesn't work for SmallGamerInc that would find that they'd need to do a bunch of other stuff to get it working that incurs more costs than what Apple offers.
SumUp wants just 1.95% flat for online payments. I would expect other payment processors to do even better with some shopping around.
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For the US ( https://support.sumup.com/hc/en-us/articles/115008338687-Pri... )
> When you take payments over the phone or via payment link, you’ll pay 3.25% + $0.15 per remote transaction.
Assume Apple dropped to 15% and the competition was 10% - then it would be 9.99 IAP, 9.63 on Amaozon/Stripe/Netflix, which probably wouldn't be worth the consumer confusion.