Highly misleading comparison since Gumroad doesn't add extra charges on price of the product (other than cases like VAT)
Flurly doesn't add extra charges, it does basically the same charging scheme as gumroad but cheaper.
So if you sell a $10 item:
1%, or 10c goes to Flurly
2.9% + 30c or 59c goes to Stripe
$10 - 10c - 59c = $9.31 goes to the seller
There is no additional charge to the customer above $10.
Still cool, though obviously depends on volume. I use sendowl which is as cheap as $9 a month + Stripe fees (2.9% + 30 cents).
I used to use gumroad, but had issues. I think they've gotten a bit complacent (see https://medium.com/@atrigol/gumroad-review-things-they-need-...) so prob room in the space. Good luck!
For $10 on gumroad (see https://help.gumroad.com/article/66-gumroads-fees):
Free account: 8.5% + $0.30 (USD) per sale gives $8.85 to seller
For $10/month: 3.5% + $0.30 (USD) per sale gives $9.35 to seller
And there's other options like direct paypal connection, where gumroad charges 6% or 1% and rest is charged by paypal themselves.
These comparisons will vary based on product price, but this is nowhere close to your 5X claim.
The 5X is in terms of the "take" percentage (1% vs 5%).
The additional cost is covered by the customer, so they're not lying about only taking 1% from the seller... still a bit misleading, though.
So if you sell a $10 item:
1%, or 10c goes to Flurly
2.9% + 30c or 59c goes to Stripe
$10 - 10c - 59c = $9.31 goes to the seller
There is no additional charge to the customer above $10.
I've been working on a platform to enable anyone to affordably sell digital products online. In particular, Flurly charges no monthly fee & only takes 1% of each transaction, which is 5x cheaper than competitors like Gumroad.
I hope this can be useful to online sellers in the hacker news community. I believe more money directly to creators is net good for the world. Some may wonder how I plan to make money on this. It's a fair question. My current plan boils down to two key factors:
1) Cost efficiency. By utilizing technology platforms like Stripe/Firebase/Vercel/Algolia/Sendgrid, I can amortize the cost. Or in other words my costs grow with revenue/usage. This way, I don't need to buy physical hardware servers, or negotiate deals with banks or write my own database, or spend time on SRE. Also since it's just me, I don't need to pay for employee health insurance, benefits, etc.
2) Volume. Hopefully by lowering the cost of doing commerce, more people will buy and sell, increasing the overall volume of commerce. Since the commission is on the overall volume, hopefully I can recoup some revenue/profits that way.
Please let me know if you run into any issues and I'll look into it right away
Thanks!