# ZeroSettle

**Canonical:** https://apis.io/providers/zerosettle/  
**Website:** https://docs.zerosettle.io  
**APIs profiled:** 12

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.

## Kin Score — 51.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 51.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 59.1 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 70.8 |
| Commercial Clarity | 38.2 |
| Access Clarity | 38.2 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 40.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | verified |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (12)

- **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+)

## MCP servers (1)

- **ZeroSettle MCP Server** — No official hosted ZeroSettle MCP server was found. This is a CANDIDATE tool surface derived from the 25 operations of the ZeroSettle IAP API (https://api.zerosettle.io/v1, X-Ze...

## Security (2)

- **Zerosettle Authentication** — apiKey · 1 scheme
- **Zerosettle Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Payments, In-App Purchase, Subscription, Merchant of Record, Billing, Mobile, Developer Tools

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/zerosettle/). Scores are computed from the provider's own public artifacts under a published rubric.