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.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles ZeroSettle the way a machine reads it — 14 machine-readable artifacts across 12 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — ZeroSettle scores 52.1/100 (developing), with a separate agent-readiness read of 36/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile ZeroSettle
Each block below is one kind of artifact we hold for ZeroSettle. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 12
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
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 within the panel for all 12 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for ZeroSettle — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 3
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 3
Pagination, idempotency, versioning, errors, and events
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
← All providers · Data indexed from github.com/api-evangelist/zerosettle · machine-readable index on apis.io