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How to Sell Outside the App Store Mobile Apps?

作者: Pamela Martinsek, 战略副总裁

审阅者: Guy Zinger, 首席营收官 (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.

 

是否 每用户平均收入 (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.

概念概览

步骤 1

In 2024, the European Union’s introduction of the 数字市场法案 (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.

 

地区

Regulatory Status (2026)

External Link Policy

Savings (Fee)

欧盟

High (DMA Enforcement)

Modular fees are subject to permit requirements

10%-18%

美国

Moderate (Post-Epic)

Permitted with reporting

3%-5%

日本

High (MSCA Act)

The availability of alternative billing methods was noted

10%-12%

中国

Emerging (2026 Update)

Standardized at 25%

~5%

注意

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:

  • 复选标记

    Cut 30% platform fees

  • 复选标记

    Automate global sales tax

  • 复选标记

    Set up web checkouts

  • 复选标记

    Manage user accounts

  • 复选标记

    以及更多!

获取您的免费清单
步骤 2

Select a Merchant of Record (MoR)

一个 记账商(MOR) 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(增值税) registration in 40 countries and the management of fraudulent 退款.

 

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.

 

  •   税务合规: The MoR figures out, collects, and sends back a global saas sales tax (like GST in 澳大利亚 or Sales Tax in 德克萨斯州) 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+ 支付方式 (like Pix in Brazil or iDEAL in the Netherlands), might indicate a difference when compared to native stores.
提示

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:

  • 复选标记

    Cut 30% platform fees

  • 复选标记

    Automate global sales tax

  • 复选标记

    Set up web checkouts

  • 复选标记

    Manage user accounts

  • 复选标记

    以及更多!

获取您的免费清单
步骤 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 转化率 on mobile browsers.

 

  •   品牌推广: For your 结账页面, go for the same CSS and hex codes as your app.
  •   本地化: Besides just showing USD, make it your practice to display the price in your users’ local currency by setting up regional pricing.
  •   向上销售: 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:

  • 复选标记

    Cut 30% platform fees

  • 复选标记

    Automate global sales tax

  • 复选标记

    Set up web checkouts

  • 复选标记

    Manage user accounts

  • 复选标记

    以及更多!

获取您的免费清单
步骤 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:

  • 复选标记

    Cut 30% platform fees

  • 复选标记

    Automate global sales tax

  • 复选标记

    Set up web checkouts

  • 复选标记

    Manage user accounts

  • 复选标记

    以及更多!

获取您的免费清单
步骤 5

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

 

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

提示

The use of dynamic parameters to pre-fill user information at checkout may relate to the perceived smoothness of the 用户引导 流程。

步骤 6

Deploy Automated Revenue Recovery

收入非自愿流失 might demonstrate some level of interdependence. It may be influenced by user actions concerning credit card updates. An MoR for external billing includes SaaS 收入回收 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.

 

工具

功能

Impact on Churn

智能重试

Retries cards when banks are most likely to approve.

-5%

Emails

Scheduled reminders can prompt users to update their payment information.

-3%

账户更新器

Expired card numbers are automatically updated by the system.

-4%

结论

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 税务规划与合规 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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