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You really do need to take into account the customer support and affiliate program tools.
Unless you are a very large player, it is simply not cost effective to have 24-hour telephone support for credit card users with issues, or to create your own member management software and affiliate program, plus handle the payments to affiliates.
That said, I'd like the percentage to be lower, too... but the fact is that everything is expensive these days. You just need to pass it along to the customer.
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