That's what I thought. The article does not make that clear at all. So the hypothetical payment model suggested is directly against the guidelines of what currently exists. A model that explicitly requires in-app digital content and subscriptions to be paid through IAP. While you can use external payment in app for other types of payment e.g. Hailo. There is no reason at all for Apple to deviate from this model because of Apple Pay. What are the assumptions in this article based on? I really don't know why the author is suggesting the above - and that's without going into the financial implications.