Two big differences. In-App purchases allow for smaller transactions where Apple Pay with Stripe would actually cost 33% for $1 or 18% for $2. In-App purchases

Two big differences. In-App purchases allow for smaller transactions where Apple Pay with Stripe would actually cost 33% for $1 or 18% for $2. In-App purchases are setup beyond just handling the payment. You can restore purchases across devices and the distribution is built in. You could replicate this experience but it is nice to avoid having to sign up specifically to use a Camera app that has an in-app purchase photo filter.