ZeroSettle Analysis
What is ZeroSettle?
ZeroSettle is a mobile revenue platform for subscription apps that combines direct web billing, native billing support, and revenue analytics. The site documents Stripe-powered checkout, Merchant of Record handling, entitlements, and experiment tools for pricing and conversion flows. Public examples on the homepage show subscription metrics, direct-billing savings, and a YC-backed claim.
Employees
1-10
Founded
2026
Industry
B2B, Sales
Business Model v4
Fintech
Delivery Model
Services-as-software (AI-native service)
YC Batch
W26
YC Partner
Brad Flora
Who are the founders of ZeroSettle
GR
Gabe Roeloffs
Founder
RE
Ryan Elliott
Co-Founder
Product Description
ZeroSettle primarily offers a service that acts as a Merchant of Record for iOS applications, enabling developers to bypass Apple's 30% in-app purchase fee. This service allows developers to retain a larger share of their revenue through direct billing. Key features include:
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Integration with App Store Connect: ZeroSettle automates the integration process, making it easier for developers to manage their applications and transactions.
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Automatic Tax Remittance: The service handles tax compliance and remittance in over 190 countries, simplifying the financial management for developers operating internationally.
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Chargeback and Fraud Protection: ZeroSettle provides tools to protect against chargebacks and fraud, ensuring that developers can focus on their applications without worrying about financial losses from fraudulent activities.
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Improved Net Margins: By using ZeroSettle, developers can significantly improve their net margins, as they can retain more revenue compared to traditional in-app purchase systems. The company provides a savings calculator to illustrate potential financial benefits.
Overall, ZeroSettle is targeted at iOS app developers looking to reduce payment processing fees and improve their financial outcomes.
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