PassKit Apple Pay Cost and Timeline for Startups in 2026

iOS-First vs Cross-Platform

Choose native Swift when you're iOS-only with HealthKit, Wallet, or Widgets. Choose React Native + Expo when Android v2 is within 6 months and speed matters.

• Native Swift/SwiftUI: best Apple integrations, higher upfront cost
• React Native + Expo: shared codebase, EAS Submit to App Store
• Flutter: viable but less common in US agency quotes for B2B
• Web wrapper: fails Guideline 4.2 minimum functionality

App Store Checklist Before Submit

Most rejections are preventable in scope planning—not after a 2-week review cycle.

• Sign in with Apple if using Google/social login
• Privacy manifest, nutrition labels, ATT if tracking
• StoreKit 2 or RevenueCat for digital subscriptions
• Account deletion in-app if accounts exist
• TestFlight external beta before public launch

Cost Benchmarks for iOS MVPs

A focused iOS MVP ships in 21 days–6 weeks with fixed-price agencies. BuildMVPFast starts at $3,460 for scoped iOS/web MVPs.

• Simple iOS MVP: $3,500–$15,000
• Moderate + backend: $15,000–$40,000
• Complex (video, real-time, compliance): $40,000+
• Plan 1–2 weeks buffer for App Store review

Apple Small Business Program

15% commission (vs 30%) applies under $1M annual proceeds—changes unit economics for subscription apps at early scale.

• StoreKit free trial rules differ by subscription length
• Intro offers and win-back offers need explicit UX
• Price tier changes require user communication

Next Steps

BuildMVPFast ships production MVPs from $3,460 fixed price in 21 days. We've delivered 40+ apps to the App Store and web. Book a scope call at /booking when you have a one-page PRD.