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 API contracts indexed 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 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

45.7/100 developing ▬ flat Agent 29/100 agent ready Front door AI 4/6 moderate saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

1 published contract

Company PaymentsIn-App PurchaseSubscription Merchant of Record Billing Mobile Developer Tools

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Subscription Lifecycle Management

BC-4240

Cancel FlowEntitlementsSubscriptionsUpgrade Offers

POST /iap/subscriptions/cancel POST /iap/subscriptions/pause POST /iap/subscriptions/resume GET /iap/entitlements

Subscription Billing & Revenue Management

BC-4250

Checkout

POST /iap/payment-intents POST /iap/checkout-sessions

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 45.7/100 · developing

Contract Quality 9.7 / 19

Developer Ergonomics 10.6 / 15

Access Clarity 5.7 / 15

Operational Transparency 2.6 / 10

Contract Governance 0.4 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 29/100 · 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Billing, Subscriptions and Monetization	undeclared	-	1	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 12

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

ZeroSettle Cancel Flow API

Configurable cancel flow with retention offers

ZeroSettle Checkout API

Create checkout sessions and payment intents for web purchases

ZeroSettle Entitlements API

Query user entitlements (active purchases and subscriptions)

ZeroSettle Events API

Track SDK analytics events

ZeroSettle Migration API

Switch & Save migration tracking

ZeroSettle Products API

Fetch the product catalog for your app

ZeroSettle Restore API

Restore purchases for a user

ZeroSettle StoreKit API

Sync and query StoreKit transactions

ZeroSettle Subscriptions API

Manage subscription lifecycle (cancel, pause, resume)

ZeroSettle Transactions API

Query transaction status and history

ZeroSettle Upgrade Offers API

Subscription upgrade/downgrade offers

ZeroSettle User Offer API

Unified offer + subscription-state resolver (SDK 1.2+)

Scroll for all 12

Open Collections 13

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

API Collection

OPEN COLLECTION

ZeroSettle IAP Cancel Flow API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow Checkout API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow Entitlements API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow Events API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow Migration API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow Products API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow Restore API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow StoreKit API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow Subscriptions API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow Transactions API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow Upgrade Offers API

OPEN COLLECTION

ZeroSettle IAP Cancel Flow User Offer API

OPEN COLLECTION

Scroll for all 13

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Zerosettle Openapi Overlay

4 actions · update · zerosettle-openapi.json

GENERATED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Zerosettle Authentication

apiKey · 1 scheme

SECURITY

Zerosettle Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

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

X-MCPServerCandidate

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

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
specificationVersion: '0.23'
x-backed-by:
- y-combinator
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://zerosettle.io/images/favicon/favicon.ico
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
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: CapabilityMap
  url: capabilities/zerosettle-capability-edges.yml
  name: ZeroSettle Business Capability Map
- type: Website
  url: https://www.zerosettle.io/
- type: X-MCPServerCandidate
  url: mcp/zerosettle-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

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