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Payments, billing & monetization mechanics

Where the money mechanics live: payment providers vs. store IAP, entitlements, receipts, refunds, taxes, and the billing plumbing each monetization model demands.

20 decision topics in this thread — every topic gives a recommended default, the reasoning, and what flips it. Titles and dates below are free; the verdicts and full topics are the paid masterclass (a few showcase verdicts are shown in full).

IDTopicVerdictVerified
PAY-001Payment-method coverage$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-002PCI-DSS scope minimization�e9f6e; verdict in the full masterclass2026-06-26
PAY-003Payment-processor selection$modelThere are two co-defaults, split by where the money is and how much ops you can carry.2026-07-02
PAY-004Store billing vs. direct billing & external links$model�e9f6e; verdict in the full masterclass2026-07-02
PAY-005Subscription billing state machine$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-006Trials & introductory offers$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-007Proration, upgrades & plan changes$model�e9f6e; verdict in the full masterclass2026-06-29
PAY-008Server-side receipt validation & restore purchases$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-009Store-to-server notifications & idempotent webhooks$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-010SCA / 3-D Secure & fraud screening$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-011Dunning & involuntary-churn recovery$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-012Refunds, disputes & chargeback management$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-013Invoicing & receipts$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-014Sales tax / VAT / GST calculation & remittance$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-015Revenue recognition, reconciliation & subscription analytics$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-016Entitlement management & cross-device sync[A] $model�e9f6e; verdict in the full masterclass2026-06-26
PAY-017Marketplace payouts, KYC & escrow$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-018In-app advertising & ad mediation$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-019Billing-support & compliant cancellation$model�e9f6e; verdict in the full masterclass2026-06-26
PAY-020Currency & price localization, price-change migration$model�e9f6e; verdict in the full masterclass2026-07-02

Each topic behind these titles is a full worked decision: what it is, the recommended default, why, what flips it, how to execute it with your coding agent — cited and dated.

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