Apple's EU payment options: compare fees and checkout costs before launch

Apple has announced that starting October 1, 2026, developers in the EU can offer alternative payment methods alongside Apple's In-App Purchase (IAP) system. These alternatives include processing payments within the app, directing customers to complete purchases outside the app, or providing actionable links to external offers. However, developers must carefully consider several factors before implementing these options.

Firstly, Apple lists different commission rates for each payment route. Using Apple's IAP system results in a 26% commission, while auto-renewable subscriptions after the first year drop to 15%. Alternative payment processing within the app carries a 20% commission (10% for qualified program participants and auto-renewable subscriptions). Out-of-app offers with actionable links have the lowest fee at 15%, though this only applies to transactions within seven days of the link being tapped.

Developers must also consider the operational requirements and costs associated with each route. Apple mandates that developers keep their chosen combination of payment options for at least 12 months. Switching between routes requires careful verification of entitlements, storefronts, and account status. In addition to Apple's fees, developers may incur additional costs such as tax collection, refunds, disputes, fraud review, customer support, and reconciliation.

One crucial aspect to note is that the 15% IAP and 10% alternative-processing rates apply to specific programs, such as the App Store Small Business Program, Mini Apps Partner Program, or Video Partner Program, and to qualifying auto-renewable subscriptions after the first year. Additionally, for actionable links, the store services commission only applies to sales made within seven days after the link is tapped, which differs from the assumption that every website purchase is subject to the same commission.

To make an informed decision, developers should model their choices using actual numbers and assumptions, including eligible purchase volume, conversion rates, and operating costs. Comparing the potential contributions from each route is essential to determine the most suitable approach for their app. Ultimately, the cheapest route may not be the best choice if it leads to confusion, failed renewals, or other issues that could negatively impact the customer experience and retention.