Charge monthly subscription fee using bank transfer or credit card

Question

uri3001 OP

Created Mar ’20

Replies 3

Boosts 0

Participants 2

Hi,

I am building an app with a unique monthly subscription model which is different in essence from the regular Apple auto-renewable subscriptions.

The app is connected via API to the user's bank account and I must charge the users every month, but only after they receive their latest paycheck so it depends on the users bank account state. Plus, if the users don't have enough money in their account I would like to skip the charge.

Now, I noticed that Apple IAP guidelines state that app developers are not allowed to issues subscription fee charges outside the app eco-system (must rely on the Apple IAP mechanism) but some apps (like Dave, or Brigit) have a fee model similar to what I described.

Is there an exception I can make when implementing this unique subscription model and charge users directly or not?

If yes - where can I find the guideline which states that its allowed?

If not - how are dave or brigit doing this?

Thanks!

Boost

Answer 1

PBK OP

Mar ’20

"a unique monthly subscription model"

The issue is not how you charge it is what you are charging for.

The guidelines are here:

https://developer.apple.com/app-store/review/guidelines/#in-app-purchase

"If not - how are dave or brigit doing this?"

That's exactly what I used to say to my mother when my little sister (of blessed memory) got to do things I didn't get to do. It didn't work with her and it won't work with you.

0

Answer 2

uri3001 OP

Mar ’20

I saw the guidelines before posting the question, I am charging for a financial service, interest-free loans, etc.

The guidelines do not state anything of that sort.

Do you have an idea where I can get this sort of information?

0

Answer 3

PBK OP

Mar ’20

Are you charging for something that allows code to be executed in your app that could not be executed in your app until it was paid for? That's 3.1.1 and must be done in IAP. Or, are you charging for services rendered outside the app? That's 3.1.5(a) and may not use IAP.

0