Payo

The simplest way to add subscriptions to your iOS app.

Payo is a lightweight iOS SDK built on StoreKit 2 that handles subscription management, access control, and purchase flows — so you can focus on building your app.

Features

• Auto-detection — Pass product IDs, Payo detects subscription types, periods, and pricing from StoreKit automatically
• Synchronous access checks — Payo.hasAccess returns a Bool instantly, no await needed
• Reactive SwiftUI state — Payo.state is an ObservableObject that updates automatically on purchases, restores, renewals, and expirations
• One-liner view gating — .requiresAccess() adds a blur + lock overlay to any SwiftUI view or UIView
• Intro offer eligibility — Check if users qualify for free trials or discounted first periods
• Manage & refund — Open Apple's native subscription management and refund sheets
• Multi-tier support — Gate features behind named groups for apps with multiple plan levels
• Zero configuration code — Drop in a Payo.plist and the SDK auto-configures at launch

Requirements

• iOS 15+
• Swift 5.9+
• Xcode 15+

Installation

Swift Package Manager

1. In Xcode, go to File > Add Package Dependencies...
2. Enter the repository URL:

   https://github.com/PayoSDK/payo-ios
   

3. Set the dependency rule to Up to Next Major Version and click Add Package

Quick Start

1. Get your API key

Visit the Payo setup guide to generate an API key for your bundle identifier and download a pre-configured Payo.plist.

2. Add the plist to your project

Drag Payo.plist into your Xcode project navigator. Make sure "Copy items if needed" is checked. Payo reads it automatically at launch — no setup code needed.

3. Check access

import payo

// Synchronous — use anywhere
if Payo.hasAccess {
    // unlock pro features
}

// Reactive SwiftUI
struct ContentView: View {
    @ObservedObject var billing = Payo.state

    var body: some View {
        if billing.hasAccess {
            ProContent()
        } else {
            PaywallView()
        }
    }
}

4. Purchase

do {
    let info = try await Payo.purchase("pro_monthly")
    print("Purchased! Expires: \(info.expirationDate ?? .now)")
} catch PayoError.userCancelled {
    // user tapped Cancel — do nothing
}

5. Gate views

// SwiftUI — one-liner blur + lock overlay
GroupBox("Premium Analytics") {
    AnalyticsChart()
}
.requiresAccess()

API Reference

Method	Description
Payo.hasAccess	Synchronous Bool — does the user have any active subscription?
Payo.hasAccess("group")	Check access for a specific named group
Payo.state	Observable state for SwiftUI (@ObservedObject)
Payo.purchase(_ productID:)	Purchase a subscription or one-time product
Payo.allProductInfo()	Get localized names, prices, and intro offers
Payo.productInfo(_ productID:)	Get info for a specific product
Payo.isEligibleForIntroOffer()	Check free trial / intro offer eligibility
Payo.restorePurchases()	Restore previous purchases (required by Apple)
Payo.showManageSubscriptions()	Open Apple's subscription management sheet
Payo.beginRefundRequest(_ productID:)	Present Apple's native refund sheet
Payo.refreshEntitlements()	Manually re-check entitlements from StoreKit
Payo.reset()	Clear all state and re-initialize from plist
Payo.enableDebug(_ enabled:)	Toggle [Payo] console logging
.requiresAccess()	SwiftUI view modifier — blur + lock overlay

License

Copyright 2026 PayoSDK. All rights reserved.