15% if you’re part of the small business program.

What program do I have to join for 0%?

The one where you create your own mobile operating system.

The one where you collect cash directly from users, and magically make handling that have zero overhead.

Credit card processing is hard... Go price out stripe + customer service + dealing with charge backs and tell me if you really want to do processing your self.

Being in the EU and releasing in an alternative marketplace.