We are developing an app for android and iOS that allows users to purchase credits for services. Services would be delivered in app much like Fiverr - Users can provide a service and get paid with credits that can be withdrawn. Apple is giving us some issues with our own payment gateway insisting that we use their IAP. Would there be any work around for the IAP? Assuming no workarounds, how would a company handle the 30% IAP cut? If someone wants to give you hell and purchase credits on iOS (-30%) and withdraw funds immediately on Android. You're out by 30%. Any ideas? Our Dev initially mentioned that cross platform apps should be exempt from apple's IAP. That assumption hasn't worked out so well in practice.
Succinctly, Apple is absolutely horrible to deal with for making apps, and they really do not like 'workarounds' and will ban your app if they get a hint of one.
That being said, here is a way you could potentially make it work out:
1) In your iOS app, charge more than in your android app, to cover the 30% take by Apple.
The creates another problem: it's too expensive.
2) To work around that problem use this: http://playseeds.com/
It's a new in-app-purchases model that cycles the payment money into microloans for people in developing countries, then you get the payback. I think you get the payment right away as if it's a normal payment (i.e. all the loan, and payback etc. happens in the background without you being affected). That payment model greatly increases user willingness to make a initial and repeated purchase.
Best of luck