MikeBrown75 did you ever get this resolved? I'm having the same issue... My tax/banking stuff is correct and active, My IAP works just fine when I test it, and when any beta testers test it, I tried a "sandbox" tester account and it worked fine too, but when Apple reviewers test it the IAP isn't loading and i'm getting that same SKProduct returning 0 error.
cthr1981
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