Introduction: A Big Shift in Apple’s Policy
Apple has always been strict about its App Store policies, requiring developers to use its in-app payment system and take a 15-30% commission on every transaction. But now, in a major policy shift, Apple is allowing developers to accept payments outside the App Store.
This change comes after years of legal battles, developer complaints, and regulatory pressure. But what does this mean for iPhone users, app developers, and the future of mobile payments?
In this article, we’ll break down everything you need to know in simple, easy-to-understand terms. Whether you’re a developer looking for alternatives or a user curious about how this affects your app experience, we’ve got you covered.
Why Is Apple Making This Change?
For years, Apple forced developers to use its built-in payment system, taking a significant cut from every sale. This led to huge backlash from companies like Epic Games (Fortnite), Spotify, and Microsoft, who argued that Apple’s fees were unfair.
Key Reasons Behind the Change:
- Legal Pressure – Courts and regulators (like the EU’s Digital Markets Act) demanded Apple loosen its restrictions.
- Developer Complaints – Many small and large developers called Apple’s fees too high.
- Competition – Google and other platforms already allow alternative payments, pushing Apple to adapt.
Now, Apple is finally relaxing its rules, but with some conditions.
How Will Outside Payments Work?
Apple isn’t completely stepping back—it still has some control. Here’s how the new system works:
1. Developers Can Link to External Websites
- Apps can now include a link or button directing users to an external payment method (like PayPal, Stripe, or their own website).
- This means users can buy subscriptions, digital goods, or services without Apple taking a 30% cut.
2. Apple Still Charges a Reduced Fee
- Even if payments happen outside the App Store, Apple will take a 12-27% commission (slightly lower than before).
- This fee applies if developers make over $1 million per year.
3. Users Must Be Warned About Risks
- Apple requires developers to display a warning when users leave the App Store, saying:“You’re about to go to an external website. Apple isn’t responsible for purchases made outside the App Store.”
4. Only in Certain Countries (For Now)
- This change is rolling out in select regions first (like the U.S., EU, and Japan) due to legal rulings.
- Other countries may follow later.
Pros & Cons of Apple’s New Payment Policy
✅ Benefits for Developers & Users
✔ Lower Fees for Developers – Small businesses keep more profits.
✔ More Payment Options – Users can choose cheaper or preferred methods.
✔ Fairer Competition – Reduces Apple’s monopoly over app payments.
❌ Potential Downsides
✖ Still Some Fees – Apple still takes a cut, just slightly smaller.
✖ Security Concerns – External payments may increase scams or fraud risks.
✖ User Confusion – Some may find it harder to manage subscriptions.
What This Means for iPhone Users
If you’re an iPhone or iPad user, here’s how this change might affect you:
1. Cheaper Subscriptions & In-App Purchases
- Since developers pay lower fees, some may reduce prices for users.
- Example: Spotify or Netflix subscriptions could get slightly cheaper.
2. More Payment Choices
- Instead of only Apple Pay or credit cards, you might see PayPal, Google Pay, or direct bank payments.
3. Watch Out for Scams
- Since payments happen outside Apple’s secure system, only trust verified apps.
What Developers Should Do Next
If you’re an app developer, here’s how to adapt:
1. Explore Alternative Payment Processors
- Look into Stripe, PayPal, or direct payment gateways.
- Compare fees to see which saves you more money.
2. Update Your App’s Payment Flow
- Add a clear button/link to your external payment page.
- Follow Apple’s warning message guidelines.
3. Consider Price Adjustments
- If Apple’s fee drops, you might lower prices to attract more users.
Will This Hurt Apple’s Profits?
Apple makes billions yearly from App Store commissions. While this change may reduce revenue slightly, Apple still benefits because:
- It avoids more legal trouble.
- Developers may stay on iOS instead of leaving for Android.
- Apple still takes a smaller cut from outside payments.
The Future of App Payments
This is just the beginning. Here’s what might happen next:
- More countries may force Apple to allow outside payments.
- Google Play could face similar changes.
- New payment innovations (like crypto or blockchain payments) may emerge.
Final Thoughts: A Win for Developers & Users?
Apple’s decision to allow external payments is a big step toward fairness. While Apple still keeps some control, developers now have more freedom, and users might save money.
However, security and convenience remain concerns. As this system evolves, we’ll see if it truly benefits everyone—or if Apple finds new ways to keep its dominance.
What do you think? Will you prefer paying outside the App Store? Let us know in the comments!
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- Best Payment Gateways for Small App Developers
