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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.

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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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