It’s def not just about payment processing. It’s about delivering customers, and what that is worth. All businesses set aside money for customer acquisition. Sometimes it’s a sales team, sometimes it’s advertising or marketing, etc. But whatever it is, it costs money to acquire customers. If someone comes to Spotify through Apple, what is that worth? Typically, retailers buy products wholesale and sell them for 20-50% more to make a profit. It is ABSOLUTELY F&%$#@! INSANE that all these people with zero business experience are whining that Apple should be delivering customers to other companies and not get compensated. Or get compensated at a rate they think is appropriate. Apple has created the best app marketplace in the world at great expense and effort, and it delivers tons of high quality customers with money to spend to app makers, and that is worth something. Companies need to figure out whether they think they can deliver as many customers to themselves via a website, sales, advertising, & PR for less than Apple would. If so, they should not use the Apple payment processing option. If not, then enjoy the massive number of customers the App Store is bringing them for only 30/15%.