6 ms·

Can we now use Stripe + Apple Pay to circumvent 30% revenue cut?

serve_yay 12y ago
The app store is still the app store.
eddieroger 12y ago
They're for completely different things. The 30% is for in-app only, but there is administrative costs with providing those resources (plus, Apple is a for-profit). This is for physical good.
thesimon 12y ago
Apple only takes 30% for digital goods, I doubt they'll remove that limitation. For non-digital goods, Stripe is offering a library for iOS for a few years now which isn't affected by the 30% cut.
pc 12y ago
Your Stripe pricing is the same if you use Apple Pay -- there are no additional fees. (And no 30%.) (We should update the page to say this...)
- ajju 12y ago
  It looks like Applepay generates one-time cards by default resulting in a single-use Stripe token. Does that mean the use case this supports is only one-time payments versus "sign up with Apple pay+Stripe"? Any advice on how best to integrate Apple pay for recurring pay scenarios like Sumon? Edit: Some more context on how this all works from the other ApplePay thread on HN: http://clover-developers.blogspot.com/2014/09/apple-pay.html http://clover-developers.blogspot.com/2014/09/apple-pay.html
  - pc 12y ago
    This supports recurring payments too -- you can associate an Apple Pay-originated Stripe token with a Stripe customer object as normal, and then create charges for that that customer. (This means that the Lyft use-case also works largely unchanged.)
trevmckendrick 12y ago
https://support.stripe.com/questions/apple-and-stripe-tos-and-fees https://support.stripe.com/questions/apple-and-stripe-tos-an... I assume this would apply to Apple Pay, too.
- pc 12y ago
  No; this is now out-of-date. (I work at Stripe.)
  - pchristensen 12y ago
    "I work at Stripe" Understatement :)
    - afarrell 12y ago
      Understatement I would expect given the design of https://stripe.com/about https://stripe.com/about
  - sickyd 12y ago
    But... https://developer.apple.com/apple-pay/Getting-Started-with-Apple-Pay.pdf https://developer.apple.com/apple-pay/Getting-Started-with-A...
MCRed 12y ago
The %30 cut is for digital goods sold via Apple's stores, such as the AppStore, iTunes, iBookstore and in-app purchase. Physical goods have never had any kind of a restriction or revenue split. Today you can go to the amazon or target app and buy physical goods using a credit card and Apple's cut of the sale is %0. This just makes it easier and more secure for apps to take credit card payments. I think Apple may be getting a cut of the credit card fees when this happens, but that's between Apple and the card companies.

The app store is still the app store.

They're for completely different things. The 30% is for in-app only, but there is administrative costs with providing those resources (plus, Apple is a for-profit). This is for physical good.

thesimon 12y ago

Apple only takes 30% for digital goods, I doubt they'll remove that limitation. For non-digital goods, Stripe is offering a library for iOS for a few years now which isn't affected by the 30% cut.

pc 12y ago

Your Stripe pricing is the same if you use Apple Pay -- there are no additional fees. (And no 30%.) (We should update the page to say this...)

ajju 12y ago
It looks like Applepay generates one-time cards by default resulting in a single-use Stripe token. Does that mean the use case this supports is only one-time payments versus "sign up with Apple pay+Stripe"? Any advice on how best to integrate Apple pay for recurring pay scenarios like Sumon? Edit: Some more context on how this all works from the other ApplePay thread on HN: http://clover-developers.blogspot.com/2014/09/apple-pay.html http://clover-developers.blogspot.com/2014/09/apple-pay.html
- pc 12y ago
  This supports recurring payments too -- you can associate an Apple Pay-originated Stripe token with a Stripe customer object as normal, and then create charges for that that customer. (This means that the Lyft use-case also works largely unchanged.)

trevmckendrick 12y ago

https://support.stripe.com/questions/apple-and-stripe-tos-and-fees https://support.stripe.com/questions/apple-and-stripe-tos-an... I assume this would apply to Apple Pay, too.

pc 12y ago
No; this is now out-of-date. (I work at Stripe.)
- pchristensen 12y ago
  "I work at Stripe" Understatement :)
  - afarrell 12y ago
    Understatement I would expect given the design of https://stripe.com/about https://stripe.com/about
- sickyd 12y ago
  But... https://developer.apple.com/apple-pay/Getting-Started-with-Apple-Pay.pdf https://developer.apple.com/apple-pay/Getting-Started-with-A...

MCRed 12y ago

The %30 cut is for digital goods sold via Apple's stores, such as the AppStore, iTunes, iBookstore and in-app purchase. Physical goods have never had any kind of a restriction or revenue split. Today you can go to the amazon or target app and buy physical goods using a credit card and Apple's cut of the sale is %0. This just makes it easier and more secure for apps to take credit card payments. I think Apple may be getting a cut of the credit card fees when this happens, but that's between Apple and the card companies.