Cash flow sucks waiting 45 days for Apple to send money. Any payment gateways that settle same-day for mobile subscriptions? Need something that works with web-based checkouts but doesn’t require users to create new accounts.
Stripe Express does next-day with a small fee.
We route through Web2Wave’s merchant account. Funds hit our bank in 12-18 hours. Fee is 1.2% extra but worth it for liquidity.
Use payment partners with instant settlement.
GoCardless + Web2Wave’s direct debit integration gets us funds in 2 hours. Only works for annual subs but covers 60% of our revenue.
PayPal same-day. Costs more. Worth it.
Negotiated 3-day payout with Stripe after 6 months of volume.
$200k+/month threshold. Save 0.8% in fees versus instant options.