Let's get the comparison right.
FastSpring charge me 5.9% + 50c
A merchant account will cost me 3% + 30c.
My software sells for $69. So it is 6.62% vs 3.43%. Actually it isn't.
The comparison is (6.62%) vs (3.43% PLUS dealing with all those VAT issues, fraud detection, fighting and/or wearing chargebacks, coding and maintaining the payment system, allowing direct bank transfers in countries where consumers prefer them, and many more things).