ZeroSettle

Active

Drop-in Direct Billing SDK for In-App Purchases

Winter 2026Founded 20262 people

zerosettle.io ↗LinkedIn ↗X ↗See on the Idea Map Fintech momentum

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AI insightcan contain mistakes

Direct Billing Mobile Payment SDKAPI/InfraMobile app developers and gaming studiosMedium competition

Moat

Drop-in SDK simplicity; merchant relationships; payment processing automation.

Key risk

Apple/Google enforcement of in-app billing; developer adoption friction; payment processor competition.

Why now

App Store fees and retention pressure drive developer interest in direct billing; regulatory pressure on App Stores.

Competitors

Stripe Mobile, RevenueCat, Purchasely, app stores themselves

About

ZeroSettle is a mobile SDK that switches customers from App Store billing to direct billing. It takes 15 minutes to set up and immediately unlocks zero App Store fees, higher retention/conversion, and instant payouts.

From their website

as of Jun 7, 2026zerosettle.io ↗

API/InfraSubscription

ZeroSettle is a mobile revenue platform offering analytics, entitlements management, and A/B testing with an option to enable direct billing on iOS and Android, aiming to reduce reliance on App Store/Play Store fees. It presents a unified view of revenue, subscriptions, and entitlements across StoreKit, Play Billing, and web checkout.

The product provides: (1) unified entitlement state across iOS, Android, and web; (2) MRR/ARPU analytics and churn/retention tracking; (3) experimentation and pricing optimization (A/B tests for prices, trials, and checkout copy) deployable from a single dashboard; (4) direct billing capability via a web checkout powered by Stripe, with optional Merchant of Record (MoR) either via ZeroSettle or BYOS; (5) integration via a single SDK call for sign-up, switch, upgrade, and save flows; (6) conversion and revenue per visitor insights with pre-built flows for maximizing direct billing adoption across pricing scenarios.

Who it’s for: Mobile app teams and startups using in-app purchases who want to optimize revenue, enable direct billing, and reduce dependence on App Store/Play Store fees.

Features

Unified entitlement state across iOS, Android, and web
Live MRR, churn, and ARR analytics
A/B testing for prices, trials, and checkout copy
Direct web checkout with Stripe-powered payments
Merchant of Record options (ZeroSettle or BYOS)
One SDK call for sign up, switch, upgrade, and save campaigns
Conversion and revenue per visitor insights

Hiring/traction mentions through platform features and pricing; active product comparisons with competitors as of May 2026

Founders · 2

Gabe RoeloffsFounder

Apple

Used to work on operating systems @ Apple (yes, all of them). And now I help mobile developers improve their net margins by avoiding the 30% App Store commission.

LinkedIn ↗X ↗

Ryan ElliottFounder

Apple

Building and scaling ZeroSettle: the future of mobile gaming payments. Previous systems software engineer at Apple.

LinkedIn ↗

Launch

Launched on Y Combinator · Mar 2026

View launch post ↗

Skip the App Store fees, boost retention, and get instant payouts.

ZeroSettle launches a drop-in direct billing SDK for mobile apps, enabling developers to offer direct billing with a 5%+50¢ or 0.5% BYO option, aiming to avoid App Store/Google Play fees, improve retention, and provide instant payouts. It supports Swift, Kotlin, Flutter, and React Native across iOS and Android and claims quick 15-minute setup.

Fintech Payments