Stripe's rates are $0.30 + 3% ( https://stripe.com/pricing ). Paypal is a quite a bit better at $0.09 + 5% for micropayments.
For a $0.99 IAP through Apple (with all of the associated infrastructure to handle IAP) that would cost $0.15 to the developer.
That same purchase through Stripe would cost $0.33... and the developer would need to provide some way to handle IAP. Paypal would be the same as through Apple.
That "set up some way to handle IAP" is going to be interesting too.
Defaults matter. Based on what they've shared so far developers must qualify for and choose to enroll in this system. In other words, Apple isn't charging 15% for small businesses, they're charging 15% for Small Business Program participants. That's an important distinction.
Note that Apple is charging 15% for small developers ( https://www.apple.com/newsroom/2020/11/apple-announces-app-s... ) - not 30%.
Stripe's rates are $0.30 + 3% ( https://stripe.com/pricing ). Paypal is a quite a bit better at $0.09 + 5% for micropayments.
For a $0.99 IAP through Apple (with all of the associated infrastructure to handle IAP) that would cost $0.15 to the developer.
That same purchase through Stripe would cost $0.33... and the developer would need to provide some way to handle IAP. Paypal would be the same as through Apple.
That "set up some way to handle IAP" is going to be interesting too.