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How to Sell Outside the App Store Mobile Apps?

Author: Pamela Martinsek, VP of Strategy

Reviewed by: Guy Zinger, Chief Revenue Officer (CRO)

Leading the change in your revenue for 2026 will be your determination between the native billing ecosystem and the Direct-to-Consumer (D2C) path. In this case, deciding on the correct strategy depends on the size of your user base.

 

Is the Average Revenue Per User (ARPU) high enough to balance out the cost of a tailor-made web checkout? If you are mostly affirmative, choosing a selling outside the app store approach will enable you to retain the 15–30% margin that platform fees “ate up” previously.

Concept snapshot

Step 1

In 2024, the European Union’s introduction of the Digital Markets Act (DMA) led to a “modular” fee arrangement where developers in the EU can pay a reduced “Store Services Fee” of 5–13% plus a 2% “Initial Acquisition Fee” instead of the standard 30%. The impact of this regulatory change on a SaaS generating €1M annually in Europe suggests a possible fee reduction of around €150,000, considering processing costs, if a D2C model is adopted.

 

Region

Regulatory Status (2026)

External Link Policy

Savings (Fee)

European Union

High (DMA Enforcement)

Modular fees are subject to permit requirements

10%-18%

United States

Moderate (Post-Epic)

Permitted with reporting

3%-5%

Japan

High (MSCA Act)

The availability of alternative billing methods was noted

10%-12%

China

Emerging (2026 Update)

Standardized at 25%

~5%

Note

A commission on transactions originating from external links may be applied by platforms within a specific timeframe following a click. Always check the latest developer terms for “External Purchase Entitlements.”

Free Checklist for Selling Outside the App Store

Start selling a mobile app or game outside of the app store with this step-by-step checklist:

  • Checkmark

    Cut 30% platform fees

  • Checkmark

    Automate global sales tax

  • Checkmark

    Set up web checkouts

  • Checkmark

    Manage user accounts

  • Checkmark

    and more!

Get Your FREE Checklist
Step 2

Select a Merchant of Record (MoR)

An Merchant of Record functions as a partner responsible for handling the financial and legal aspects of international sales, potentially reducing the need for direct involvement. Utilizing an MoR can potentially shift responsibility for VAT registration in 40 countries and the management of fraudulent chargebacks.

 

The 2025 data highlights a possible relationship between SaaS startups affected by an MoR model and a somewhat expedited market entry into new international regions, with a potential approximation of 95% resulting from pre-existing local tax IDs and payment licenses.

 

  •   Tax Compliance: The MoR figures out, collects, and sends back a global saas sales tax (like GST in Australia or Sales Tax in Texas) regularly.
  •   Liability Shift: Responsibility for fraudulent transactions may shift away from the startup, with the MoR potentially handling legal aspects of dispute resolution.
  •   Localized Methods: Supporting diverse payment methods, including 70+ payment methods (like Pix in Brazil or iDEAL in the Netherlands), might indicate a difference when compared to native stores.
Tip

Review the difference between Merchant of Record vs Payment Gateway to ensure your partner provides full tax indemnity, not just technical processing.

Free Checklist for Selling Outside the App Store

Start selling a mobile app or game outside of the app store with this step-by-step checklist:

  • Checkmark

    Cut 30% platform fees

  • Checkmark

    Automate global sales tax

  • Checkmark

    Set up web checkouts

  • Checkmark

    Manage user accounts

  • Checkmark

    and more!

Get Your FREE Checklist
Step 3

Configure a Web-Based Checkout

Avoiding the phenomenon of cart abandonment heavily depends on how naturally your web store resembles your mobile app.

 

The upcoming D2C checkouts in 2026 are designed with “overlay” technology, aiming to reduce the user’s awareness of being redirected to a third-party payment processor. The top B2C SaaS checkouts now heavily focus on 1-click payments through digital wallets, as these have a better conversion rate on mobile browsers.

 

  •   Branding: For your checkout page, go for the same CSS and hex codes as your app.
  •   Localization: Besides just showing USD, make it your practice to display the price in your users’ local currency by setting up regional pricing.
  •   Upselling: A difference between web and native app store checkouts is the ability to upsell SaaS products for additional sale or present bundled options during the transaction.

Free Checklist for Selling Outside the App Store

Start selling a mobile app or game outside of the app store with this step-by-step checklist:

  • Checkmark

    Cut 30% platform fees

  • Checkmark

    Automate global sales tax

  • Checkmark

    Set up web checkouts

  • Checkmark

    Manage user accounts

  • Checkmark

    and more!

Get Your FREE Checklist
Step 4

Implement a Unified User Account System

You​‍​‌‍​‍‌​‍​‌‍​‍‌ should have a “Source of Truth” for your users, which is separate from the native platform servers. So, when a customer purchases a subscription on your website, your backend should update their status immediately, so that when they run the app, their status is up-to-date.

 

This is usually achieved by setting up a Webhook: the MoR dispatches a signal to your server, your server then modifies your database, and the app’s next API call “unlocks” the premium features.

  1. The customer decides to subscribe through your website.
  2. MoR dispatches a webhook to your server for instant payment notification (IPN).
  3. Your server updates the user’s account in the database as “Active”.
  4. Upon launching the app, the application registers the status and permits the user to gain the feature.

Free Checklist for Selling Outside the App Store

Start selling a mobile app or game outside of the app store with this step-by-step checklist:

  • Checkmark

    Cut 30% platform fees

  • Checkmark

    Automate global sales tax

  • Checkmark

    Set up web checkouts

  • Checkmark

    Manage user accounts

  • Checkmark

    and more!

Get Your FREE Checklist
Step 5

To be compliant, you should utilize platform-specific APIs made available by these platforms, e.g., the link in the app to make in-app payment. The system provides a notification to users when these APIs are invoked, which may be associated with exiting the ecosystem.

 

To avoid failing the product adoption rate, it is best to show the user the benefit of the link before they click it, for example, by presenting the “Web-Only Discount”.

Tip

The use of dynamic parameters to pre-fill user information at checkout may relate to the perceived smoothness of the user onboarding process.

Step 6

Deploy Automated Revenue Recovery

Revenue and involuntary churn might demonstrate some level of interdependence. It may be influenced by user actions concerning credit card updates. An MoR for external billing includes SaaS revenue recovery toolkits, like smart-retry logic and automated dunning management. Observations of tools indicate a recovery rate of up to 12% for transactions initially unsuccessful in native app stores.

 

Tool

Function

Impact on Churn

Smart Retries

Retries cards when banks are most likely to approve.

-5%

Emails

Scheduled reminders can prompt users to update their payment information.

-3%

Account Updater

Expired card numbers are automatically updated by the system.

-4%

Conclusion

The establishment of a Direct-to-Consumer (D2C) sales process may correlate with changes in margins and a closer link to customer relationships. Engaging a Merchant of Record provides a mechanism for delegating tax planning and compliance issues, affecting the applicability of fee structures in the 30% range.

Adhering to these steps could influence your software’s global compliance and financial standing as mobile development continues in 2026.

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