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Comment by jefftchan | Hacker News Reader

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

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.

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...)

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

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.)

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.

https://support.stripe.com/questions/apple-and-stripe-tos-an...

I assume this would apply to Apple Pay, too.

No; this is now out-of-date. (I work at Stripe.)

"I work at Stripe"

Understatement :)

Understatement I would expect given the design of https://stripe.com/about

But... https://developer.apple.com/apple-pay/Getting-Started-with-A...

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.

The app store is still the app store.

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