Optimizing the latest App Store payment options for better economics

Recent developments in the app store marketplaces are creating new possibilities for businesses to optimize their revenue streams. Following a ruling in the Epic Games vs. Apple case, Apple has updated its App Store guidelines in the US, opening the door for alternative payment processing for certain in-app transactions.  This is a dynamic scenario and we want to outline the latest options. We will keep this blog updated with changes in the major app ecosystems.  

This update explores different payment flows on iOS that potentially leads to better economics for app developers. Read on to understand how integrating with Checkout.com can help you take advantage of these new options.

Understanding the evolving landscape

Previously, the majority of in-app purchases on the App Store were required to utilize Apple's native in-app purchase system. This system involved commission fees, typically ranging from 15% to 30% depending on factors like in-app revenue and the duration of service. With limited exceptions, the entire transaction process was confined within the Apple ecosystem.

However, following a ruling by the US District Court on April 30, 2025, Apple has updated its App Store guidelines. While the verdict is currently under appeal, the updated guidelines now permit businesses in the US to offer alternative payment methods by directing users to an external website for completing transactions outside of the app.

By implementing this approach, businesses and developers can improve the economics by linking away from the app store for payments.

Leveraging Checkout.com for flexible payment flows

For Checkout.com customers, adapting to these updated App Store guidelines and exploring potential fee reductions is a straightforward process.

You can update your app to redirect users to a secure payment page hosted by Checkout.com (via our Flow payment page). Alternatively, you can embed Flow within your own website and direct users there for payment. Once the payment is successfully processed, your customers can be automatically redirected back to your app.

See the demo below for an example of how the updated payment process will work:

For detailed instructions on implementing these options, please consult our comprehensive integration documentation or connect with your Checkout.com account manager.

• Process payments outside the App Store
• Redirect app payments to your own website (with Flow embedded)

Important considerations for your implementation

It's important to note that the recent changes to Apple’s App Store guidelines, and the implementation methods discussed above, currently apply to the sale of digital goods directly within the app. This includes categories such as games, video content, audiobooks, and other digital media.

For businesses selling physical goods, person-to-person services, or goods and services intended for consumption outside of the app, our native Flow for Mobile SDK remains the recommended solution for a seamless customer experience.

Furthermore, as the legal landscape continues to evolve, it's crucial to stay informed about the latest App Store guideline updates, as Apple is currently appealing the recent verdict.

Developments in the Google Play Store

The digital marketplace is seeing similar discussions around payment options for Android users. Epic Games has also pursued a case against Google, which is currently undergoing appeal. As part of this process, Google has obtained a temporary stay on the implementation of changes mandated by the court.

Currently, Google's "User Choice Billing" pilot program offers an alternative for integrating external payment processors. However, this program still involves a service fee payable to Google, which is four percentage points lower than their standard Play Store fees. Additionally, Google retains control over in-app messaging and refunds within this pilot.

The Checkout.com team is actively tracking these developments in both the Apple App Store and the Google Play Store. We are committed to providing you with timely updates and insights to help you navigate these evolving opportunities. Please check back regularly for the latest information.