# Stripe Empowers iOS Developers with Out-of-App Payment Solutions
Payments processor Stripe has recently launched updated documentation tailored for developers wishing to accept out-of-app payments for digital goods and subscriptions on iPhone and iPad. This initiative follows a significant court ruling that disallows Apple from blocking developers from guiding users to web-based payment options from within their apps.
## The Context: A Shift in App Store Regulations
The legal framework around app payments has been changing, especially after a ruling that sided with Epic Games in its confrontation with Apple. The court’s ruling grants developers increased freedom to direct users toward alternative payment methods, effectively challenging Apple’s long-standing in-app purchase (IAP) regulations. Historically, Apple has required developers to utilize its IAP system, which imposes a commission fee ranging from 15% to 30% on transactions. This ruling paves the way for developers to investigate other payment processing solutions, like Stripe.
## Stripe’s Competitive Edge
Stripe’s pricing structure is considerably more appealing for developers compared to Apple’s IAP charges. Stripe imposes a basic fee of **2.9% + 30¢ per transaction**, which is much lower than Apple’s commission framework. However, this cost advantage involves some tradeoffs: while Apple’s IAP system offers a streamlined and cohesive experience, it also places the onus of payment security and subscription management on Apple.
Conversely, implementing Stripe necessitates that developers assume more responsibility. They are tasked with managing the checkout process, overseeing subscriptions, and ensuring adherence to applicable regulations. This added complexity may intimidate some developers, yet it also affords them greater flexibility and authority over their payment operations.
## Seamless Integration with Stripe
Even with the increased responsibilities, Stripe has proven its ability to provide a smooth user experience. The platform accommodates various payment options, including Apple Pay and its buy now, pay later features, enabling developers to present a familiar and convenient checkout experience for users. This adaptability can be particularly advantageous for developers seeking to tailor their payment processes or address specific user preferences.
## Accessing Stripe’s New Documentation
For developers eager to capitalize on these new functionalities, Stripe has made available extensive documentation that guides them through the integration of external payment methods into their iOS applications. This resource aims to streamline the implementation of out-of-app payments and assist developers in navigating the intricacies of payment processing.
Developers can find the newly published documentation [here](https://twitter.com/azianmike/status/1917830346332332329?s=12). In addition, a video that showcases effective integration strategies is available, offering a visual guide to help developers begin.
## Conclusion
The recent shifts in app payment regulations, combined with Stripe’s new offerings, present a significant opportunity for iOS developers. By leveraging Stripe’s payment processing capabilities, developers can cut transaction costs and achieve greater control over their payment systems. As the environment of app payments continues to transition, adopting these new options could be crucial for improving user experience and optimizing revenue potential.
In this ever-changing landscape, developers are encouraged to explore the opportunities that accompany the integration of out-of-app payment solutions, ensuring they remain competitive and attuned to user needs.
