ZeroSettle

ZeroSettle is a Y Combinator-backed subscription revenue platform that lets iOS, Android, Flutter, and React Native app developers offer direct web billing as an alternative to App Store and Google Play in-app purchase — the pitch is "keep 85% of your revenue, not 70%." As Merchant of Record (on Stripe Connect, or BYOS), it handles web checkout, entitlements, subscription lifecycle, StoreKit transaction syncing, retention cancel flows, upgrade/migration offers, and compliance external-purchase reporting. The ZeroSettle IAP API (REST/JSON, X-ZeroSettle-Key auth) powers all of its client SDKs, with a free tier plus a $29/month Pro plan.

ZeroSettle publishes 12 APIs on the APIs.io network, including Cancel Flow API, Checkout API, Entitlements API, and 9 more. Tagged areas include Company, Payments, In-App Purchase, Subscription, and Merchant of Record.

ZeroSettle’s developer surface includes authentication, changelog, sandbox, documentation, API reference, quickstart, signup flow, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub

51.1/100 developing ▬ flat Agent 40/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

12 APIs 1 MCP Servers

CompanyPaymentsIn-App PurchaseSubscriptionMerchant of RecordBillingMobileDeveloper Tools

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 51.1/100 · developing

Contract Quality 12.6 / 21

Developer Ergonomics 12.0 / 17

Access Clarity 6.5 / 17

Operational Transparency 2.9 / 11

Contract Governance 1.7 / 10

Discoverability 6.9 / 9

Regulatory Posture 5.9 / 15

Agent readiness — 40/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/zerosettle: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 12

Individual APIs this provider publishes, each with its own machine-readable definition.

Open Collections 13

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Get Started 5

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

Quickstart

SignUp

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer

WellKnown

LLMsTxt

AgentSkill

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Lifecycle

Lifecycle

Conventions

Conventions

Build 3

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 4

Status, limits, changes, and where to get help

Deprecation

ChangeLog

ChangeLog

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: zerosettle
name: ZeroSettle
description: ZeroSettle is a Y Combinator-backed subscription revenue platform that lets iOS, Android, Flutter, and React
  Native app developers offer direct web billing as an alternative to App Store and Google Play in-app purchase — the pitch
  is "keep 85% of your revenue, not 70%." As Merchant of Record (on Stripe Connect, or BYOS), it handles web checkout, entitlements,
  subscription lifecycle, StoreKit transaction syncing, retention cancel flows, upgrade/migration offers, and compliance external-purchase
  reporting. The ZeroSettle IAP API (REST/JSON, X-ZeroSettle-Key auth) powers all of its client SDKs, with a free tier plus
  a $29/month Pro plan.
url: https://raw.githubusercontent.com/api-evangelist/zerosettle/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
specificationVersion: '0.23'
x-backed-by:
- y-combinator
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://zerosettle.io/images/favicon/favicon.ico
tags:
- Company
- Payments
- In-App Purchase
- Subscription
- Merchant of Record
- Billing
- Mobile
- Developer Tools
tags_raw:
- Company
- Payments
- In-App Purchase
- Subscriptions
- Merchant of Record
- Billing
- Mobile
- Developer Tools
created: '2026-07-17'
modified: '2026-07-21'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: zerosettle:zerosettle-cancel-flow-api
  name: ZeroSettle Cancel Flow API
  description: Configurable cancel flow with retention offers
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Cancel Flow
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-cancel-flow-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-checkout-api
  name: ZeroSettle Checkout API
  description: Create checkout sessions and payment intents for web purchases
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Checkout
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-checkout-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-entitlements-api
  name: ZeroSettle Entitlements API
  description: Query user entitlements (active purchases and subscriptions)
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Entitlements
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-entitlements-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-events-api
  name: ZeroSettle Events API
  description: Track SDK analytics events
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Event
  tags_raw:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-events-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-migration-api
  name: ZeroSettle Migration API
  description: Switch & Save migration tracking
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Migration
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-migration-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-products-api
  name: ZeroSettle Products API
  description: Fetch the product catalog for your app
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-products-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-restore-api
  name: ZeroSettle Restore API
  description: Restore purchases for a user
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Restore
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-restore-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-storekit-api
  name: ZeroSettle StoreKit API
  description: Sync and query StoreKit transactions
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - StoreKit
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-storekit-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-subscriptions-api
  name: ZeroSettle Subscriptions API
  description: Manage subscription lifecycle (cancel, pause, resume)
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Subscription
  tags_raw:
  - Subscriptions
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-subscriptions-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-transactions-api
  name: ZeroSettle Transactions API
  description: Query transaction status and history
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-transactions-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-upgrade-offers-api
  name: ZeroSettle Upgrade Offers API
  description: Subscription upgrade/downgrade offers
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - Upgrade Offers
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-upgrade-offers-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
- aid: zerosettle:zerosettle-user-offer-api
  name: ZeroSettle User Offer API
  description: Unified offer + subscription-state resolver (SDK 1.2+)
  humanURL: https://docs.zerosettle.io/api-reference/introduction
  baseURL: https://api.zerosettle.io/v1
  tags:
  - User Offer
  properties:
  - type: OpenAPI
    url: openapi/zerosettle-user-offer-api-openapi.yml
  - type: ErrorCatalog
    url: errors/zerosettle-problem-types.yml
  - type: DataModel
    url: data-model/zerosettle-data-model.yml
common:
- type: MCPServer
  url: mcp/zerosettle-mcp.yml
- type: Overlay
  url: overlays/zerosettle-openapi-overlay.yaml
- type: DomainSecurity
  url: security/zerosettle-domain-security.yml
- type: Authentication
  url: authentication/zerosettle-authentication.yml
- type: Packages
  url: packages/zerosettle-packages.yml
- type: SDKs
  url: packages/zerosettle-packages.yml
- type: WellKnown
  url: well-known/zerosettle-well-known.yml
- type: LLMsTxt
  url: llms/zerosettle-llms.txt
- type: Conformance
  url: conformance/zerosettle-conformance.yml
- type: Lifecycle
  url: lifecycle/zerosettle-lifecycle.yml
- type: Deprecation
  url: lifecycle/zerosettle-lifecycle.yml
- type: Conventions
  url: conventions/zerosettle-conventions.yml
- type: ChangeLog
  url: changelog/zerosettle-changelog.yml
- type: Sandbox
  url: sandbox/zerosettle-sandbox.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DeveloperPortal
  url: https://docs.zerosettle.io
- type: Documentation
  url: https://docs.zerosettle.io
- type: GitHubOrganization
  url: https://github.com/zerosettle
- type: APIReference
  url: https://docs.zerosettle.io/api-reference/introduction
- type: Quickstart
  url: https://docs.zerosettle.io/iap/quickstart
- type: ChangeLog
  url: https://docs.zerosettle.io/changelog
- type: SignUp
  url: https://dashboard.zerosettle.io/?mode=sign-up
- type: Login
  url: https://dashboard.zerosettle.io/
- type: Pricing
  url: https://zerosettle.io/pricing/
- type: TermsOfService
  url: https://zerosettle.io/legal/terms
- type: PrivacyPolicy
  url: https://zerosettle.io/legal/privacy
- type: Support
  url: mailto:support@zerosettle.io
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 16
  pass: local-v1