Mobile App Payment Processing Simplified for Developers

Stripe is a payment processor, not a Merchant of Record. When you use Stripe directly, you are responsible for tax remittance in every jurisdiction, chargeback disputes, fraud protection, PCI compliance, and customer support. Allocents acts as the full Merchant of Record at 5% + 50¢ per transaction, meaning Allocents owns all of those responsibilities. For most mobile app teams, that eliminates months of compliance infrastructure work.

Yes. Allocents provides native SDKs for Swift/SwiftUI (iOS 17+) and Kotlin (Android API 26+), as well as Flutter (3.3.0+). React Native support is coming. The same SDK, dashboard, and UI flows work across platforms, so you do not need separate billing systems for iOS and Android.

Yes. Sign Up and Save paywalls present users with both options simultaneously — App Store checkout or direct billing with a web-only discount. You can run both billing paths in parallel, letting users choose. StoreKit product sync automatically imports your existing App Store Connect products so there is no manual re-entry.

Under Allocents Billing (Merchant of Record mode), Allocents owns chargeback disputes and fraud protection entirely. Because Allocents is the legal seller on every transaction, it absorbs and manages disputes directly. Developers receive no chargeback liability. If you use Bring Your Own Stripe (BYOS mode), you handle MoR responsibilities including chargebacks yourself.

Integration is designed to take 15 minutes. The SDK is a drop-in with under 10 lines of code. StoreKit product sync pulls your existing IAP products automatically from App Store Connect, so you are not rebuilding your catalog. Gradual rollout then lets you start with 10% of users before scaling, reducing risk for live apps with existing subscribers.