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Comment by anonymouse008 | Hacker News Reader

So does this effectively mean Apple charges 25.2% in the base case, and potentially teens-low twenties in low price point apps ($10 and below)? PayPal, BrainTree and others seem to also be in this range - so backing out market payment rates, the App Store is not as egregious?

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Yup. For that 30% you get everything. Payment processing, reports, coverage in all countries, vat handling.

But people like to bash Apple.

Thy don’t bash other platforms or channels which charge 30% or even more

So it's 30% charged by Apple with monopoly and no possibility to use something else vs 8% charged by Stripe. And you can also switch to anything else. Sure, it's more work than Apple, but freedom is also more work than being told what to do and how to live.

But stripe doesn’t give you a distribution channel or any other type of platform to build on. And it doesn’t give me access to x billion people with payment details on file, one double click away, without any fraud

Apple is not just charging for payment processing, you get access to the App Store marketplace with more than billion devices. With Stripe you only get payment processing.

Stripe payment processing fee is 2.9% + C$0.30

For the other fees discussed in this article, you do get additional capabilities. Distribution is not one of them, but it's not an apples to apples comparison.

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