# ZeroSettle

> ZeroSettle is a drop-in SDK that lets mobile app developers skip Apple's 30% cut on in-app purchases by switching users to direct billing - charging just 5% + $0.50 per transaction instead. Built by two former Apple software engineers and backed by Y Combinator (W26), ZeroSettle arrived at the exact moment the Epic v. Apple ruling cracked open a $150B+ market. Setup takes 15 minutes, and developers get instant Stripe payouts, built-in tax compliance across 190+ countries, and smart conversion flows to migrate existing subscribers - all without touching App Store rules.

- **Founded:** 2025
- **Headquarters:** San Francisco, CA, USA
- **Founders:** Gabe Roeloffs (CEO), Ryan Elliott (CTO)
- **Team size:** 2
- **Products:** ZeroSettle SDK, Managed Billing Engine, Bring Your Own Stripe (BYOS), Conversion & Retention Tools, ZeroSettle Dashboard
- **Notable:** Accepted into Y Combinator Winter 2026 batch, Launched full SDK support for Swift, Kotlin, React Native, and Flutter within first months, 140+ Product Hunt upvotes on launch day (#12 product of the day)

## Products & services

- **ZeroSettle SDK** — A drop-in mobile SDK (Swift, Kotlin, React Native, Flutter) that replaces StoreKit and Google Play Billing with web-based checkout powered by Stripe. Integrates in 15 minutes.
- **Managed Billing Engine** — ZeroSettle acts as merchant of record: handling taxes in 190+ countries, chargebacks, refunds, and fraud protection. Charges 5% + $0.50 per transaction.
- **Bring Your Own Stripe (BYOS)** — Connect an existing Stripe account and pay a flat 0.5% only when ZeroSettle's intelligent offers successfully convert a user to direct billing.
- **Conversion & Retention Tools** — Switch & Save campaigns, Sign Up & Save paywalls, Upgrade & Save offers, Save the Sale cancellation flows, and subscription management portal.
- **ZeroSettle Dashboard** — Real-time subscriber management, entitlement tracking, payout monitoring, and analytics at dashboard.zerosettle.io.

## Achievements

- Accepted into Y Combinator Winter 2026 batch
- Launched full SDK support for Swift, Kotlin, React Native, and Flutter within first months
- 140+ Product Hunt upvotes on launch day (#12 product of the day)
- Positioned to capture share of $150B+ in annual in-app purchase volume unlocked by Epic v. Apple ruling
- Shipped ZeroSettleEscrowKit with crypto/escrow support
- Open-sourced core SDKs under MIT and Apache-2.0 licenses

## Latest updates

- **2026-04** — Active SDK development - ZeroSettleKit (iOS) updated April 14, 2026; React Native and Flutter wrappers both updated April 10, 2026.
- **2026-03** — YC W26 Demo Day participation; presented at Y Combinator's Winter 2026 batch showcase.
- **2026-01** — Launched on Product Hunt as 'Drop-in direct billing SDK to skip the 30% Apple Tax', reaching #12 product of the day with 140+ upvotes.
- **2025-05** — Epic v. Apple ruling required Apple to allow third-party direct billing - ZeroSettle was built specifically to capitalize on this moment.

## Links

- Website: https://zerosettle.io
- LinkedIn: https://www.linkedin.com/company/zerosettle
- Twitter/X: https://x.com/gaberoeloffs
- GitHub: https://github.com/zerosettle

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Profile page: https://yespress.io/zerosettle
Published by YesPress — https://yespress.io
Last updated: 2026-04-17