Apple recently submitted in court filings that you'd have to pay ~8% for off-the-shelf solutions like Stripe or Paddle to be Merchant of Record anyway so 15% isn't really bad except for the high-earning apps, but Google should be doing something for that extra 7%.
It's a level of service above their payment processing, where they also collect and remit certain taxes which I believe is built-in to that ~8%. This is the same service that Google and Apple provide for in-app payments.
> Stripe and Paddle are leading full-service, turnkey payment processing, and merchant-of-record providers handling all the services necessary for link-out, including payment processing, tax compliance, fraud detection, and customer service. Across the top apps, the mean implied processing and merchant-of-record fee based on Stripe’s and Paddle’s rack rates (which few, if any, large developers actually pay because they negotiate discounts or provision in-house) is 8.1% using Stripe rates, or 7.8% using Paddle rates.
