ZeroSettle
Drop-in Direct Billing SDK for In-App Purchases
Y CombinatorWinter 2026ActiveFintechPayments
What they do
Problem
Mobile apps lose revenue and control due to App Store in-app purchase fees, slow payouts, and lower conversion/retention from store billing flows.
Solution
ZeroSettle provides a drop-in mobile SDK that replaces App Store in-app purchase billing with direct billing inside the app for fast setup and instant payouts.
Who it's for
Mobile app developers and publishers who sell in-app purchases or subscriptions.
Founders
Gabe Roeloffs
Founder
Used to work on operating systems @ Apple (yes, all of them). And now I help mobile developers improve their net margins by avoiding the 30% App Store commission.
Ryan Elliott
Founder
Building and scaling ZeroSettle: the future of mobile gaming payments. Previous systems software engineer at Apple.
Company timeline
- Founded2026
- YC batchWinter 2026
- StatusActive
- Team size2 people
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