In our app, we will be showing premium content to the users which will be valid only for an hour. After the hour is finished, they need to pay again to get another hour. Does this qualify for in-app purchase? If yes, what are our options to charge the customers? Can we use Apple Pay? What happens if a user hasn't set up Apple Pay or doesn't want to do that? We've added Apple Pay and works but aren't sure what happens, if users do not have Apple Pay.