3.5-4% is more than Apple charges (3%)
The 27% is not for payment processing, but for the platform. You'll be paying 30% on almost any platform. It has been like this for ages, and is even higher in different industries.. Any publishing deal, book, music, movies, games.. But look at your average retailer. They want a markup. And their distributor wants a markup..
There's a reason why Elon Musk wants to do the complete vertical for spacex...