> It is your privilege/responsibility to conflict resolution with regards to refunds and such.
Every time the apple fee comes up, this part of the discussion rarely comes up. This is a huge part of what you pay Apple/Google for. Lets say you roll your own on top of stripe [0]; each dispute/chargeback costs you $15 on top of the transaction cost. On an app with $0.99 purchases, each dispute will undo 15 purchases. If you get enough of these you _will_ be banned, quickly and with very little warning. I'm not going to claim that this on it's own is worth the full 30% whack but it does neet to be taken into consideration.
Every time the apple fee comes up, this part of the discussion rarely comes up. This is a huge part of what you pay Apple/Google for. Lets say you roll your own on top of stripe [0]; each dispute/chargeback costs you $15 on top of the transaction cost. On an app with $0.99 purchases, each dispute will undo 15 purchases. If you get enough of these you _will_ be banned, quickly and with very little warning. I'm not going to claim that this on it's own is worth the full 30% whack but it does neet to be taken into consideration.
[0] https://stripe.com/docs/disputes