Apple recently submitted in court filings that you'd have to pay ~8% for off-the-shelf solutions like Stripe or Paddle to be Merchant of Record anyway so 15% isn't really bad except for the high-earning apps, but Google should be doing something for that extra 7%.
It's a level of service above their payment processing, where they also collect and remit certain taxes which I believe is built-in to that ~8%. This is the same service that Google and Apple provide for in-app payments.
> Stripe and Paddle are leading full-service, turnkey payment processing, and merchant-of-record providers handling all the services necessary for link-out, including payment processing, tax compliance, fraud detection, and customer service. Across the top apps, the mean implied processing and merchant-of-record fee based on Stripe’s and Paddle’s rack rates (which few, if any, large developers actually pay because they negotiate discounts or provision in-house) is 8.1% using Stripe rates, or 7.8% using Paddle rates.
So, Google take 10x what payment providers charge to take the payments because some companies will charge you 5x what it costs and handle your taxes and accounting?
