The problem is that other payment processors could emerge with the same trust profiles as Apple to facilitate this transaction. I could see Stripe doing someth

The problem is that other payment processors could emerge with the same trust profiles as Apple to facilitate this transaction. I could see Stripe doing something like this. They protect the consumer and come down hard on the merchants. Imagine them, and maybe a few other processors, competing for this business. The fee would probably drop below 30%. To a large degree, this is the sort of arrangement credit card processors already have between their merchants and consumers and that rate is single digit percentages. Not hard to imagine Visa or MasterCard running a SaaS transaction service for a 5-10% cut.