StartupHub.ai · Jun 2026
Commentary piece analyzing the founders' Apple background and the direct-billing market opportunity.
Company research
Public company, workplace, funding, and market signals
Updated Jul 30, 2026
Overview
ZeroSettle is a YC W26 mobile-app revenue platform for developers that replaces app-store billing with direct web checkout, while handling merchant-of-record functions, subscriptions/entitlements, and pricing experiments.
Primary product
Direct billing SDK and mobile subscription revenue platform
Founded
2026
Headquarters
San Francisco, California, United States
Team size
1-10 employees
Industry
Financial Services
Sub-industry
Mobile payments and subscription billing infrastructure
Business model
Merchant of Record web-checkout fees
Bring Your Own Stripe (BYOS) transaction fees
optional pricing-intelligence SaaS add-ons
Funding
Stage
Pre-Seed
Total raised
$500K
Latest round
Pre-Seed · Mar 2026
Latest amount
$500K
Mar 2026 · Y Combinator
Jan 2026 · Y Combinator
People & investors
Investors
Work & culture
Product & market
Pricing
Free platform for analytics, entitlements, A/B testing, and campaigns; Managed web checkout at 5% + 50¢; BYOS at 0.5% plus Stripe fees; optional Pro add-ons at $29/mo or $99/mo.
Differentiators
- —One SDK for analytics, entitlements, direct web checkout, and billing fallback
- —Merchant of Record or BYOS modes
- —Free analytics and entitlements with no MRR cap
- —Autopilot pricing experiments and regional pricing
- —Supports iOS, Android, Flutter, and React Native
- —Fast integration with store-catalog sync and dashboard-controlled campaigns
Technology
Swift
Kotlin
Flutter
React Native
iOS
Android
StoreKit
Google Play Billing
Stripe
Stripe Connect
Apple Pay
Google Pay
Swift Package Manager
Maven Central
Customers
mobile app developers
subscription apps
iOS apps
Android apps
game publishers
Competitors
RevenueCat
Superwall
Stripe
Apple App Store billing
Google Play Billing
Scale & contact
Latest news
Fondo · Mar 2026
Launch write-up covering the founding team, the 15-minute setup pitch, direct-billing use cases, and the managed/BYOS pricing structure.
Y Combinator · Mar 2026
YC launch post describing ZeroSettle as a drop-in direct billing SDK, founded by two former Apple engineers, with merchant-of-record and BYOS billing modes.
Y Combinator on LinkedIn · Mar 2026
YC social announcement summarizing the product, the Epic v. Apple context, and the founders' former Apple engineering background.
Jobs and careers at ZeroSettle
0 jobs at ZeroSettle
No open positions
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