We are developing a banking app for children and we will charge users a fee of R$10 for all services (Including card, support and platform). I wonder if we have to use the IAP to charge this fee. In my view, we charge for physical services and the multichannel platform. So we don't need to use the IAP.
Does the banking application need to pay IAP?
If you allow them to make a purchase, you do have to use the IAP system, I suppose. I don't know if children are allowed to use this type of apps, though. See if you are eligible for a commission waiver.