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We sell minutes to call other countries, and we want to allow users to make payments within the app. These minutes have a cost to us from wholesalers. Using in-app purchase will dramatically increase the cost to the user if Apple takes a 30% cut.
1 - "You must deliver a digital good or service within your application. Do not use In-App Purchase to sell real-world goods and services." (Source)
I'm not sure if this applies to me or not. Can anyone shine some light on this?
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Only Apple can give you a definitive answer, but the way I would interpret the paragraph quoted below, you have to use IAP for purchasing credits, and you also have to be able to use those credits directly within the app (i.e. make phone calls):
Apps that use IAP to purchase credits or other currencies must consume those credits within the application
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