Payment Options
Last updated: January 24, 2026
Secure payment methods and best practices for buying and selling mobile apps. Protect both parties with proper payment structures.
✅ Secure Payments: whatsthe.app offers integrated escrow via Stripe Connect. Payment services are provided by Stripe, a licensed payment processor. You may also use third-party escrow services or direct transfers.
Legal Disclaimer
This information is for educational purposes only and does not constitute financial or legal advice. Always consult with qualified professionals before entering into any transaction.
Stripe Connect Escrow
RecommendedBuilt-in Escrow Protection
Our integrated Stripe Connect escrow provides secure payment processing directly within the platform. Funds are held by Stripe until the buyer approves the transfer.
The fastest and most convenient way to secure your app transaction. All payment processing is handled by Stripe, a licensed payment service provider with regulatory approval in the US, EU, and worldwide.
How It Works
Buyer Pays
Buyer pays the agreed price + 3% platform fee via Stripe
Funds Held
Stripe holds the funds securely during the inspection period (up to 30 days)
Seller Transfers App
Seller completes the app transfer while funds are held
Buyer Approves
After verifying the transfer, buyer releases the funds
Seller Receives Payment
Funds transferred to seller's Stripe account (minus 3% platform fee)
Pros
- Built directly into the platform - no external setup
- Funds held by licensed payment provider (Stripe)
- Configurable inspection period (1-30 days)
- Buyer can release early if satisfied
- Lower fees than traditional escrow (3% vs 5-10%)
- Real-time status updates in chat
- Stripe handles all KYC/AML compliance
Cons
- Seller must complete Stripe verification
- Maximum inspection period of 30 days
- Only supports USD currently
Fees
- Platform fee: 3% of the agreed price (deducted from seller payout)
- Payment processing: Included in platform fee
- No hidden fees: What you see is what you pay
Regulatory Compliance
Our Stripe Connect integration is fully compliant with payment regulations:
- USA: Stripe Payments Company is a licensed money transmitter
- Europe: Stripe Technology Europe, Limited is an authorized EMI (Central Bank of Ireland)
- PSD2 Compliant: Full compliance with EU Payment Services Directive
Alternative Escrow Services
If you prefer to use an external escrow service, here are some options. These services hold funds securely until all transfer conditions are met.
Escrow.com
Established 1999 • Licensed escrow service • Integrated with whatsthe.app
Overview
Escrow.com is one of the oldest and most established online escrow services, operating since 1999. They're licensed and regulated, providing secure transaction facilitation for buyers and sellers. whatsthe.app integrates with Escrow.com's API to create escrow transactions directly from our platform.
How It Works
- Buyer initiates escrow transaction through whatsthe.app
- Escrow.com creates the transaction and sends invitations to both parties
- Buyer funds the escrow account
- Seller transfers the app and assets
- Buyer verifies and approves release during inspection period
- Escrow.com releases funds to seller
Pros
- Long-established, reputable service (25+ years)
- Licensed and regulated escrow provider (Internet Escrow Services Inc. in US)
- Secure platform with robust security measures
- Professional customer support
- Supports various transaction types including software/apps
- Integrated directly into whatsthe.app platform
- Configurable inspection periods
Cons
- Some users report delays in fund transfers (can take 7+ days after conditions met)
- Verification process can be cumbersome
- Mixed reviews regarding transparency and communication
- Higher fees than Stripe Connect (typically 0.7% - 2.6% vs 3% total)
- Platform success fee (6%) applies in addition to Escrow.com fees
Fees
Escrow.com charges fees based on transaction amount:
- $0 - $5,000: 2.6% ($50 minimum)
- $5,000 - $50,000: 2.4% ($130 minimum)
- $50,000 - $200,000: 1.9% ($1,200 minimum)
- $200,000+: Lower rates, see fee calculator
Additional costs: Wire transfer fees ($10-25), payment processing fees (3.05% for credit cards on transactions under $5,000).Note: A 6% platform success fee also applies (separate from Escrow.com fees).
Legal Terms: By using Escrow.com through whatsthe.app, you agree to Escrow.com'sTerms of Use andPrivacy Policy.
Note: While Escrow.com is a legitimate and established service, some users have reported delays and verification issues. Consider this when setting your timeline expectations.
Alternative Escrow Services
Other Options to Consider
- Lawyer-held escrow: Many lawyers offer escrow services as part of transaction facilitation. This can be more expensive but provides legal oversight.
- Bank escrow: Traditional banks offer escrow services for larger transactions. Typically more expensive but highly secure.
- Specialized SaaS escrow: Some services specialize in software/SaaS transactions and may have better understanding of app transfer requirements.
Payment Terms
Common payment structures for app sales. Choose terms that protect both parties.
Full Upfront Payment
Buyer pays 100% of the purchase price before transfer begins.
Pros
- Simplest structure
- Seller gets paid immediately
- No ongoing payment obligations
Cons
- Higher risk for buyer
- Less protection if issues arise
Best for: Smaller transactions, established sellers with good reputation, or when using escrow.
50% Upfront, 50% on Transfer
Buyer pays 50% upfront, remaining 50% when all transfers are complete and verified.
Pros
- Balanced risk for both parties
- Buyer has leverage during transfer
- Seller gets partial payment upfront
Cons
- Requires clear definition of "complete"
- Potential disputes over completion
Best for: Most app sales. Provides good balance of protection and trust.
Milestone-Based Payments
Payments tied to specific milestones (e.g., 30% on signing, 40% on App Store transfer, 30% on final verification).
Pros
- Maximum protection for buyer
- Clear progress tracking
- Reduces risk at each stage
Cons
- More complex to manage
- Requires detailed milestone definitions
- Slower payment for seller
Best for: Larger transactions, complex transfers, or when buyer wants maximum protection.
Earnout Structure
Base price plus additional payments based on future performance (e.g., revenue targets over 12 months).
Pros
- Aligns incentives
- Seller can get higher total price
- Buyer pays less upfront
Cons
- Complex to structure legally
- Requires ongoing relationship
- Potential disputes over metrics
Best for: High-growth apps, when seller believes app will grow significantly, or when buyer wants to reduce upfront cost.
Best Practices
Use Escrow for Protection
For transactions over $10,000, strongly consider using an escrow service. It protects both parties and ensures funds are only released when conditions are met.
Define Clear Payment Terms
Specify exact payment amounts, timing, and conditions in your purchase agreement. Define what "transfer complete" means and how it will be verified.
Set Realistic Timelines
App transfers can take 1-4 weeks. Set payment milestones that account for platform processing times. See our transfer checklist for typical timelines.
Document Everything
Keep records of all payments, communications, and transfer milestones. This protects both parties if disputes arise.
Consult Professionals
Work with a lawyer to draft the purchase agreement and an accountant to understand tax implications. Their fees are worth avoiding costly mistakes.
Payment Methods
Wire Transfer
Most common for large transactions. Secure but can take 1-3 business days. Verify bank account details carefully before sending.
ACH Transfer
Lower fees than wire transfers but can take 3-5 business days. Good for US-based transactions.
Cryptocurrency
Fast and borderless, but volatile and irreversible. Only use if both parties are comfortable with crypto and understand the risks.
Escrow Service Payment
Escrow services typically accept wire transfers, ACH, and credit cards. They hold funds until conditions are met, then release to seller.
Important Notes
Avoid These Payment Methods
- Cash or cash equivalents: No paper trail, high fraud risk
- Personal checks: Can bounce, slow processing
- Gift cards or prepaid cards: High fraud risk, no protection
- Friends & Family PayPal/Venmo: No buyer protection, violates terms of service
Tax Considerations
Both buyer and seller should consult with tax professionals. App sales may have capital gains implications, and payment structure can affect tax treatment. Keep detailed records of all transactions.