I wonder whether the UX of this will lead to less sales than Apple Pay.
But since it is just the regular version of Apple Pay and not an in-app purchase it has different (lower) fees.
I’m more than happy to pay the extra 10% and have CLEAR terms for my purchase/subscription and be able to actually cancel with ease, instead of going through dark patterns.
Most developers don’t do that (don’t wake up a sleeping dog, if that’s a saying).
One missed cancellation, and you’ve actually saved on all that “Apple tax”
Even more reason that apps will try and push users to their own payment systems: automatic renewals, difficult cancellations, and more dark patterns. As a user, I'd happily pay an extra 10% for those protections through Apple, but I know I wouldn't pay 10x. Apps will be A/B testing their way to find exactly that profit maximizing threshold.
Apple Pay: Apple’s digital wallet, “free” to business and consumers (Apple takes a few points off the transaction)
IAP: Apple In App Purchase system that takes 30% (or 15% on subscriptions after 1 year OR if your revenue is <1M)
Apple Pay can be used inside apps today for no extra change as long as you aren’t selling digital content in your app (I do think). I’m guessing you can’t just start using Apple Pay in your app instead of IAP but you could link out to a web page that supports CC entry, Apple Pay, Google Pay, Link, etc.