Just to comment on this: Even if this DOES get off the ground, 10% won't cut it. To even come close to that rate, the business in question (Indie Steam) needs its own merchant account to charge visas. That takes some cash and an incorporate business. That means somebody has to front that money, and someone has to admin the corp. So that leaves maybe 7% for the corp, bandwidth, advertising, etc. Do you really think that "indie steam" is going to be successful enough to do much with 7% of its gross revenue? Having been in that position before, I won't even go into all the other myriad pain that having a merchant account and having to deal with Visa/MC/etc brings. As many people have said - this isn't a technical problem, it's a business one. If you'd built it 6-7 years ago (which is when I was pitching this exact same idea), you might have had a chance.