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That is in fact the solution Apple offers, all apps must offer purchases via Apple Pay. Except the fee is 30% and not 6%, and there lies the problem.

by jiofih 6y ago

scarface74 6y ago
That’s not Apple Pay. That’s in app purchasing. That’s a completely different payment flow. In app purchasing: User pays Apple with the card on file with Apple. They take 30% and pay you in 30 days. You get a tax form at the end of the year. Apple Pay: Multiple cards can be stored in your digital wallet on your device. Apple doesn’t store your credit cards on file. When you pay via Apple Pay, you choose the card,Apple takes a much smaller cut, the payment goes through the credit card network, through your merchant bank and you get paid within 2-3 days. Apple doesn’t even have a record of your transaction unless you’re using Apple’s credit card. You are responsible for establishing the merchant account and taking care of card processing and refunds. You are also responsible for making sure that users update their credit card information.
- jiofih 6y ago
  Sorry, mind fart. The point is Apple requires that subscriptions be available through them, and then take the 30% cut - you can’t, say, use Stripe to take new subscriptions inside the app. So what the parent suggested is already there, the problem is the size of the fee. From the user POV Apple Pay vs IAP is almost the same flow.
  - scarface74 6y ago
    Why is it so surprising that a retailer wants to make a profit when they sell something in their store? A developer is free to offer subscriptions both in and out of the App Store and charge 43% more in the store to make up for the 30% cut. The idea that it is almost the same flow is good for the consumer and developer. For none digital goods, this is already possible and allowed - to use Apple Pay within an app. I do it with Uber.
    - jiofih 6y ago
      So you have no qualms with paying 30% more just for the convenience of doing it in-app? Would you feel ok finding out afterwards that you’d save $40 by not paying with Apple? It’s a shitty consumer experience either way (not having the option, or paying more).
      - scarface74 6y ago
        Well, there are a lot of places where consumers pay more for convenience. In fact, you almost always pay more for items in “convenience stores”. You even pay more for the cold drink in the check out isle at grocery store than you do for the same amount of drink in the aisle. How much more do you pay for recessions at the movie theater than by going to the dollar store before hand and putting the candy in your or your SO’s purse? I’ve found out later that I could get items cheaper by doing comparison shopping all the time. There are also times I purposefully pay more for convenience.

That is in fact the solution Apple offers, all apps must offer purchases via Apple Pay. Except the fee is 30% and not 6%, and there lies the problem.

by jiofih 6y ago

That is in fact the solution Apple offers, all apps must offer purchases via Apple Pay. Except the fee is 30% and not 6%, and there lies the problem.

scarface74 6y ago

That’s not Apple Pay. That’s in app purchasing. That’s a completely different payment flow. In app purchasing: User pays Apple with the card on file with Apple. They take 30% and pay you in 30 days. You get a tax form at the end of the year. Apple Pay: Multiple cards can be stored in your digital wallet on your device. Apple doesn’t store your credit cards on file. When you pay via Apple Pay, you choose the card,Apple takes a much smaller cut, the payment goes through the credit card network, through your merchant bank and you get paid within 2-3 days. Apple doesn’t even have a record of your transaction unless you’re using Apple’s credit card. You are responsible for establishing the merchant account and taking care of card processing and refunds. You are also responsible for making sure that users update their credit card information.

jiofih 6y ago
Sorry, mind fart. The point is Apple requires that subscriptions be available through them, and then take the 30% cut - you can’t, say, use Stripe to take new subscriptions inside the app. So what the parent suggested is already there, the problem is the size of the fee. From the user POV Apple Pay vs IAP is almost the same flow.
- scarface74 6y ago
  Why is it so surprising that a retailer wants to make a profit when they sell something in their store? A developer is free to offer subscriptions both in and out of the App Store and charge 43% more in the store to make up for the 30% cut. The idea that it is almost the same flow is good for the consumer and developer. For none digital goods, this is already possible and allowed - to use Apple Pay within an app. I do it with Uber.
  - jiofih 6y ago
    So you have no qualms with paying 30% more just for the convenience of doing it in-app? Would you feel ok finding out afterwards that you’d save $40 by not paying with Apple? It’s a shitty consumer experience either way (not having the option, or paying more).
    - scarface74 6y ago
      Well, there are a lot of places where consumers pay more for convenience. In fact, you almost always pay more for items in “convenience stores”. You even pay more for the cold drink in the check out isle at grocery store than you do for the same amount of drink in the aisle. How much more do you pay for recessions at the movie theater than by going to the dollar store before hand and putting the candy in your or your SO’s purse? I’ve found out later that I could get items cheaper by doing comparison shopping all the time. There are also times I purposefully pay more for convenience.