Merchant of Record for iOS One SDK. Full Coverage.

When Allocents acts as merchant of record, it is the legally responsible entity for each transaction processed through its SDK. That means Allocents collects payment from the end user, remits the applicable sales tax or VAT in 190+ countries, absorbs chargebacks and fraud disputes, and handles customer support inquiries. You receive your revenue minus the 5% + 50¢ fee, with none of the compliance or dispute overhead.

Yes. The April 2025 Epic v. Apple ruling permanently barred Apple from requiring US developers to use its In-App Purchase system exclusively. Developers can now offer direct billing as an alternative payment method within their iOS apps in the US. Allocents was purpose-built to help developers act on this ruling. Compliance with App Store guidelines for your specific app category remains your responsibility, and Allocents recommends reviewing Apple's updated guidelines.

The SDK is designed to integrate in approximately 15 minutes. It supports Swift/SwiftUI, Kotlin, Flutter, and React Native. Automatic StoreKit product sync from App Store Connect eliminates manual catalog setup. Once integrated, you can configure paywalls, Switch and Save campaigns, and A/B tests directly from the dashboard without additional code deploys.

In Bring Your Own Stripe (BYOS) mode, you remain the merchant of record and are responsible for tax remittance, chargeback handling, fraud protection, and customer support. Allocents provides the SDK checkout UI and intelligent migration flows at 0.5% of migrated revenue. BYOS is designed for larger app teams that already have Stripe infrastructure and in-house compliance capabilities in place.

Allocents lets you begin your merchant of record migration by exposing direct billing to as little as 10% of your user base. The analytics dashboard tracks migration rates, cohort adoption, and revenue impact in real time so you can evaluate results before scaling. If any metric looks unexpected, you can roll back instantly without touching your existing StoreKit setup, ensuring continuity for users who remain on Apple IAP.