Instead of making the split at the app store level, enabling other payment processors within the iOS app store would solve most of these issues without creating a UX nightmare. That said, I wouldn't mind competition at the app store level too.
As iOS user I completely disagree. I love the Apple platform for the simplicity. Every time there is a payment I choose Apple Pay as it's more secure than giving my card away. It uses biometrics, not some static digits stuck with card if you lose it. It's also more or less valid for Google Pay as well.
Having the option to use PayPal, Stripe, some other payment processor increases the stress on the UX and also the attack surface for fraud.
There's nothing preventing Apple Pay-level security features from being integrated with 3rd party vendors like Stripe, except Apple's desire to keep 30%. It's highway robbery compared to every other payment processor's fees and has nothing to do with security, cost of operation, or doing right by users. Apple has conned users into believing that rhetoric, but it's harming developers, which are also a type of user.
No platform should ever be allowed to be the sole gatekeeper for apps on your device; that it's done for security is dishonest. And it's doubly egregious that they've tied payment processing restrictions onto it too.
I don't make mobile apps so I have no skin directly in this game, but as a user who believes my devices are my own, and as a developer too, I have to stand with my fellow developers in demanding app stores do right by the people producing apps for them.
Apple Pay is separate from In App Purchases and the app store is not needed for its security features you seem to like. Ironically, a payment processor like Stripe is usually the thing facilitating Apple Pay support on the backend.
My bad I didn’t express myself completely. I enjoy the fact that I have one account and I know EXACTLY when I’m making a payment.
When I get presented with the price and checkout in an in-app purchase I’m sure that’s everything I’m paying, there are no hidden fees, it’s secure and there is no way for someone to steal my details. And it’s the same flow to make the payment: double tap the side button and scan my face. This is the parallel with Apple Pay. Plus I think the backend on in-app and in-store payments are the same so it would be ApplePay.
