ZeroSettle

Roadmap & Position in Mobile Payments

Helps mobile app developers move subscriptions off Apple/Google billing onto web-based checkout.

Company Overview

Builds a drop-in direct billing SDK for mobile apps that switches customers from App Store billing to direct billing, reducing fees from 30% to 5% + 50¢ while handling entitlements, retention flows, analytics, and merchant-of-record operations.

What They're Building

The company's public product roadmap & what they're committed to building.

ZeroSettle has publicly launched on Product Hunt with a 15-minute setup SDK that switches existing App Store subscribers to direct billing post-Epic v Apple ruling. Active SDKs across iOS, Android, Flutter, and React Native. Product surface spans checkout, entitlement sync, migration campaigns, cancel flows, and analytics. Expanding across more mobile SDKs, deeper subscription migration tooling, richer experimentation and targeting, stronger retention flows, and more strong merchant-of-record back-office features for tax, disputes, and compliance.

Latest Intelligence

Zeitgeist tracks private signals to determine where the company is heading strategically.

App Store Billing Gets A Direct Checkout Layer

May 13, 2026

Confidence:

High

New Intel: ZeroSettle is helping mobile apps move subscriptions from Apple and Google billing to direct checkout with SDKs, entitlements, migration campaigns, and retention flows. The obvious pitch is fee savings, but migration tooling is the moat.

Founder and Key Execs

Ryan Elliott, Co-Founder

Co-Founder

Gabe Roeloffs, Co-Founder

Co-Founder

Founder Force Multiplier

Both founders left Apple to build ZeroSettle, giving them deep insider knowledge of App Store billing infrastructure, compliance requirements, and policy gray areas.

Funding History

2026 | Ryan Elliott and Gabe Roeloffs co-found ZeroSettle.
2026 | Accepted into Y Combinator Winter 2026 batch.
2026 | Product Hunt launch with drop-in SDK.

Competitors

Subscription Management

RevenueCat, Adapty, Qonversion, Superwall.

Payment Infrastructure

Stripe Billing, Paddle.

Native Billing

Apple In-App Purchase, Google Play Billing.

ZeroSettle

's Moat:

Both founders left Apple, giving them insider knowledge of App Store billing infrastructure, compliance requirements, and technical constraints. Drop-in SDK that migrates existing subscribers handles the hardest part (migration, not greenfield). Epic v. Apple regulatory tailwinds create a time-limited window where early movers capture developer adoption before Apple responds.

How They're Leveraging AI

Propensity modeling

Predict which mobile subscribers are most likely to accept a direct-billing migration offer so the company can maximize revenue lift without damaging conversion.

Churn prediction

Predict churn risk during cancellation and renewal moments, then personalize save offers such as pauses, discounts, or plan downgrades to retain more subscribers.

Fraud detection

Detect high-risk transactions, abusive usage patterns, and likely chargebacks in direct billing so the company can protect merchant-of-record margins while keeping good customers frictionless.

AI Use Overview:

Using propensity modeling for migration targeting, churn prediction for retention flows, and fraud detection for payment security.

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