Any experience with non-IAP vs IAP?

Hey all.

Can someone provide me with an example of a live, real-time in-person services app that has managed to avoid IAP?

The app I am working on essentially connects a user to multiple different people for 1-1 calls and texts. So, the user schedules a call with Person A separately, then Person B, etc.

I really want to be able to develop without IAP because if I do IAP, my margins would literally be negative since the people that the users connect to get paid a fixed amount (via marketplace payments).

Does anyone have experience and could generally let me know if I could get away without IAP (and use Stripe) and if so, how I should pitch my app to the Review team?

Any experience with non-IAP vs IAP?
 
 
Q