On: Apple: Person-to-person experiences do not have to...

[dhsysusbsjsi]

The fact they need rules to enforce use of their inferior payment system shows how inherently anti-competitive IAP is. If it were optional and you could freely roll your own purchase mechanism, most (not all) developers would remove Apple IAP with the current 30% fees.

[floydnoel → dhsysusbsjsi]

...and I would go from spending one or two hundred a month on IAPs, and spend zero instead. There is no way I’m giving an app my payment info.

[frosted-flakes → floydnoel]

How do you make online purchases? Do you just... not? Is the use of independent payment systems on the Web somehow different from in iOS apps?

[TylerE → frosted-flakes]

Use an intermediary like google wallet or a one time virtual cc?

[frosted-flakes → TylerE]

In which case OP should have no problem using the same solution for in-app purchases.

[doteka → frosted-flakes]

What about “roll your own” equates to google wallet? That’s very much not roll your own, and not what the grandparent was arguing.

[frosted-flakes → doteka]

You misunderstand. The customer can use Google Wallet if he wishes.

On the Web, payments almost always go through the credit card system, using one of many payment providers (PayPal, Stripe, etc.) set up by the seller. The customer also has the option of using a "safer" virtual credit card to avoid the possibility of credit card theft.