Luma Free is 5% plus Stripe, and the listed price is what the buyer pays. This page puts that next to Tickean's 10%, where card processing is already included.
Independent promoters should model three ticket price points and expected sell-through before choosing a stack for the season.
Tickean is one option: the organizer keeps the ticket price, buyers pay 10% per paid ticket with card processing included, and that ticket price is paid out within 2 business days of the sale. Venue-required vendors still come first.