> you can't pass the 27% (still pay payment processing) savings on to customers Well yeah... whether you sell your game on Steam or via Steam codes on your web

> you can't pass the 27% (still pay payment processing) savings on to customers Well yeah... whether you sell your game on Steam or via Steam codes on your website, the soft-, hardware and business infrastructure in the background handling the sale and distribution of your game is the same. So why would they let you use their infrastructure without letting them have their cut? It wouldn't make any sense.