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I am developing an Mobile app especially for call, conference call and video call. People will topup using Credit card, Debit card or Vouchers. Please let me know if i need to use IPA or can I do without IPA. Using IPA how much of the % I need to pay Apple when a subscriber tops up.

I will have very less margin so I need to understand if this business model makes sense for me if I go with IPA.

Apple takes 30%.

and the bank to process credits cards to your account takes what 3%?

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