So the only misleading thing is "keep 99% of what you make", it's really "96.1% of what you make - 30 cents" or "keep 99% of what you make after payment processor fees".
Still cool, though obviously depends on volume. I use sendowl which is as cheap as $9 a month + Stripe fees (2.9% + 30 cents).
We can debate how the monthly fee factors in, but to keep it simple let's just compare apples to apples - the free gumroad plan. For the free plan (https://gumroad.com/features/pricing), Gumroad takes 5% and charges a (3.5% + 30c) payment processing fee.
The 5X is in terms of the "take" percentage (1% vs 5%).
okay, that tells where you are getting that 5x comparison (which is not as good as comparison as overall amount seller gets), but if you'd put this statement in your comment, I wouldn't have had this confusion at all
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.