The line that determines whether this applies to you is what is being sold. Digital content or functionality used inside the app must generally use the platform payment system. Physical goods and services delivered in the real world do not, and can and should use your own payment processor at ordinary card rates. A business selling appointments, deliveries, or physical products is on the right side of that line, and the commission question does not arise.
Where businesses get caught is in between. Subscriptions to digital content, unlocking features, and access to online material fall under the platform rules, and attempting to route those around the payment system risks removal from the store. Both platforms enforce this, and the enforcement is automated at scale rather than negotiated.
The pricing consequence is arithmetic you must do before launching rather than after. A commission of that size on a digital subscription changes what price is viable, and businesses that priced against their web margin discover the app version does not work. Some sell at a higher price inside the app to compensate, which is permitted, and others direct people to subscribe on the web, which is now allowed in more circumstances than it once was but is subject to rules worth checking currently.
For most first year businesses this is a question you can defer. If you are selling physical goods or real world services, use your own processor and move on.
The rules here change more often than almost anything else in this area, driven by regulatory pressure and litigation in several jurisdictions. What was prohibited two years ago is permitted in some markets now, and the permissions differ by country. That instability is itself a reason for a small business to avoid building a model that depends on a particular interpretation of platform policy. If your revenue requires a specific rule to remain as it is today, you have taken on a risk that is entirely outside your control. If you do sell digitally, read the current guidelines yourself rather than relying on a summary, since both platforms publish them and both revise them without announcement.