Kajabi started as a simple idea of Kenny Reuter wanting to begin a side business teaching people to make toys online. Although he was not that passionate about teaching people online, he was passionate about making it easier for people to sell their knowledge online.
It was easy to see the vision. Kajabi founders Kenny Rueter and Travis Rosser knew they wanted to help people monetize their knowledge and premium digital content online. To do so, they would need a platform that makes the process painless and seamless for entrepreneurs.
Kajabi is a popular online course creator. It is one of the most popular online learning platforms today. Kajabi has grown to be the online learning platform it is today since its inception in 2010. It has empowered thousands to escape the jobs that no longer fulfill them and help them realize their dreams.
This review will cover the basics of what you need to know about Kajabi. These include marketing, pricing, online course creation, and much more. With this, you will have a good idea of what you will get should you choose Kajabi as your platform.
For those of you who prefer a more visual experience, here is a video review from Lane Sebring’s YouTube channel. To get a comprehensive overview of Kajabi, you may still want to check out our article below.
General Overview Kajabi Pricing And Features
Pros
- A highly integrated platform featuring a lot of built-in tools
- Intuitive marketing tools that help you promote and sell your products.
- User-friendly
- Great customer support
- Intuitive course builder and highly customizable themes
- Wistia is used as a video host
Cons
- Kajabi pricing is higher than average prices
- Students cannot be issued custom certificates of completion by users on the platform.
- Assessment customization is limited.
What is Kajabi?
Kajabi is an online platform for creating courses that allow users to manage their businesses from one location. From course creation to marketing and so much more, Kajabi will take care of it for you.
How does Kajabi work?
Kajabi is built to sell. The platform boasts of how easy it is to use. You can start by purchasing a plan. There are three options available: Pro, Growth, or Basic. These options will be discussed later in this review.
Once you have selected a plan, you can easily set up your account and upload your content. You can upload your video lectures, give lesson titles and descriptions using the lesson editor.
You can easily complete assessments by simply typing the questions and selecting the options (if you’ve chosen the multiple-choice option).
Now you can market your products. In Kajabi, you can build pipelines. You can use these mechanisms to increase conversion rates and turn prospects into potential students through efficient marketing channels. Landing pages can be added, as well as freebies to get leads to submit their email addresses. Video marketing is another option.
Once the prospect is enrolled as a student, payments can be made through the site. All this without leaving Kajabi. Kajabi Pricing And Features
Kajabi is almost an “all-in” platform. These features will be discussed in the next sections. But, Kajabi can go head-to-head and over most online course platforms with the features and benefits it offers.
Why should you choose Kajabi:
You want to maximize your investment as an entrepreneur. Kajabi can help you market valuable content. It includes what you need to jumpstart your business, keep it running and growing.
The business is more than just uploading your course content and waiting for students to sign in. You will need to create a course curriculum, set goals and assess your students, make sure your website is attractive to your target audience, and market it. You can do the following and more with Kajabi.
- Build a website
- Create course offerings
- Keep track of student progress
- Manage subscriptions/payments
- Run email marketing campaigns
Kajabi’s price is one thing that has been criticized. It is more expensive than other alternatives, but that’s okay. This eliminates the need to purchase expensive plug-ins and saves you time. You also have to figure out how to make the plug-ins seamlessly work together. This takes time, effort, and money. All this could be avoided by using one platform.
Good platforms think of what their users want and need. These platforms will provide valuable tools for creating sales pages, emailing your students, and doing all sorts of marketing activities.
So, if you’re a professional looking to sell your knowledge, I would say, with Kajabi, you will be in safe hands. It’s a powerful all-in-one solution for creating, marketing, and selling online courses.
Kajabi: A Beginner-Friendly Tool
Not all great teachers are technologically inclined enough to share their knowledge and information online. The process can be complicated and confusing, even for those who are willing to learn. That is why the Kajabi creators designed the platform to be accessible and understandable even to those who have a problem with computer work.
The platform utilizes a visual layout that makes it intuitive and super simple to use. Kajabi’s drag-and-drop editor will make it easy to start an online business, even if you don’t know how to code.
> > Click Here to Check Out Kajabi < <
Almost “all-in-one”
Kajabi is suitable for almost everything, save for a few minor features that developers are still working on. As mentioned earlier, you would not need to spend a lot of time finding out which plug-ins or extensions work together well. Imagine, one update could cause these plug-ins to disrupt your business processes.
If you want to save yourself the headache, Kajabi already has excellent tools for creating landing pages and sales funnels and converting visitors into customers. This platform allows you to create courses and market them. To entice students to your courses, you can offer discounts, follow up leads, and manage payments from the Kajabi website.
As a busy entrepreneur with not a lot of free time on my hands, I enjoy the email marketing and funnel creations of Kajabi. I could easily automate follow-up sequences, and it’s effortless to do too. Kajabi Pricing And Features
Overall, Kajabi fulfills more than other platforms can do with what it offers.
Tutorials
For people who are complete beginners, there could be some doubt on the truthfulness of this “easy-to-use” claim. But they will be pleasantly surprised to find out that it is indeed true.
Kajabi provides a lot to its users. First, the Kajabi Assistant Bar provides access to a lot of searchable tutorials. Simply head over to the top and type out whatever query you might have. It will display related tutorials.
Second, under the Kajabi University, you can check out a catalog of tutorials and videos to get you started with creating and developing your business. Some of these topics cover creating your online courses, marketing your products on social media and other platforms, and setting up payments.
These tutorials are available in video and text formats for your convenience.
The third and most important feature of the onboarding process, is the 28-day Hero Challenge. It is basically a month-long crash program to help you launch your website and make your first sale. This challenge will teach you everything about the platform and give you strategies to market your products.
Kajabi offers one of the best customer service in the industry. Now, if you have the Growth or Pro Plan, you get access to 24/7 round-the-clock customer chat support. Customer chat support is only available during business hours for Basic Plans. Despite this, I would still say that the support team is pretty prompt with responding. So far, I have not had any problems with how they handle things.
Kajabi also offers a rewards program that provides incentives to creators who achieve their revenue goals and includes some exclusive perks.
Customer Support
If you have got a query that cannot be found in the Kajabi online guides, the next thing you can do is contact customer service. So, if you are stuck on an issue, you can always rely on them to provide you with the answers. Kajabi Pricing And Features
The Growth and Pro Plan gives you access to the Kajabi customer service team 24/7 via live chat.
Although, if you opt for the Basic Plan, the staff will only be available on Mondays to Fridays from 9 am to 7 pm. It functions as a ticket system, but you will find an answer within the day. They always respond promptly, even with this. I do not have to wait too long for my answers.
If you’re not confident in your computer skills, the more expensive plans can be worth it. The other two Kajabi plans offer around-the-clock access to support, while the Basic Plan does not.
How to use Kajabi:
Creating a Class:
Kajabi’s course creation is quick, easy, and customizable. Once you provide a name for the product, head over to the upper right side of your screen, and you can see “New Product.” There are 3 pre-built product blueprints for various digital products. You can also create your own listing. Let’s take a look at each one.
- Mini-course
- Although it contains less material than the Online Courses, a mini-course is very easy to complete. This can be used to gauge customer interest as well as build your brand’s value.
- Online course
- These are full-blown courses your students can take, from workshops to seminars and lectures about your expertise.
- Evergreen Training
- The Evergreen Course allows you to keep your product advertised and constantly making sales. It will generate passive income for you even after it is launched. This option, aside from marketing, allows you to drip feed your content to students to keep them interested.
- Blank
- If you’re an advanced user and want to fully customize your content, this is a good option for you.
> > Click Here to Check Out Kajabi < <
You can use Kajabi’s intuitive editor to upload your courses. These can be uploaded from your computer, Dropbox, or Google Drive.
Kajabi supports many file types. You can add audio, video, pdf and text files to your lessons. Wistia provides video hosting for Kajabi, and it is great because you can upload in bulk too. Kajabi Pricing And Features
How to Upload Your Content
Videos
Kajabi offers built-in streaming via Wistia as an video host. You will see an icon and be asked to upload a video or assessment.
As mentioned earlier, you will be able to upload your videos in bulk without worrying about bandwidth. All Pricing Plans at Kajabi include unlimited bandwidth. Uploads can be made from your computer, Dropbox or Google Drive. You can also upload via URL links. However, take note that it would not accept URLs from Youtube or Vimeo as the uploader looks for the file type in the URL.
Once your files have been uploaded, Kajabi can automatically transform these uploads into articles that you can edit later on. This saves you the hassle of going through the posts and uploading videos one by one.
With Wistia being the video host, your subscription will be worth it. Wistia standalone subscriptions can cost $99 per month. If you take a look at the cost, with $20 more, you can already get Kajabi’s Basic Plan at $119/year with its features. This is a fantastic deal.
Assessments
Assessments can be a great tool to measure student engagement and learning. When they can see how well they are doing with their lessons, the students can determine whether or not they understand the course material. It can also aid in motivating them to work harder. This feature can be used to receive feedback from students on your products, and for content locking.
It takes less than two minutes. Open the People tab in the Dashboard to create assessments. Choose Assessments and then +New Assessment and finish the prompt to begin customizing.
One of the coolest features is the ability to set it to automatically send additional materials to students if they fail to complete their assessments.
There are some limitations. First, I have observed that the user cannot include both a video and an assessment under the same category.
It does not support randomizing questions, nor question banks. It does however support assessment such as multiple-choice and paragraph-style questions.
Students can also upload files to be checked through the assignment submission feature.
Photos
For your lessons, you can upload a poster photo. Having pictures help set the tone of your website and gives your student a visual preview of what you have to offer.
You can easily upload images by clicking on the Pick File button on the right side of the editor.
Certificates
I would consider Kajabi as an almost “all-in-one” platform because of its inability to natively provide certificates to students who complete the courses. While Kajabi does allow creators to give out certificates of completion, you cannot make them onsite.
To create these certificates, you would have to rely on third-party services like Canva, Google Slides, Accredible, or SmartDraw.
Personally, I do not mind this for my business, but some would find it a minor hassle.
Another thing, Kajabi does not indicate the amount of time spent studying the courses or any continuing education credit. This can be a huge deal for people who wish to choose eLearning to earn credit. I think that the Kajabi creators should highly consider this.
Downloads
Some students are not always able to stay online, even if they are called online students. Some students download course materials and complete tasks offline. To make it easier for your students, Kajabi included this feature. This can be found in the Downloads section on the right side of the page.
Students will be able download any material that you have placed while they are in a lesson.
Body
You have the option to add a description, or even a transcript to your videos. Some students prefer to read transcripts rather than watching entire videos when they review.
If you choose to only add a description, it will help students know what the lesson is all about and what topics will be discussed in the video. Kajabi Pricing And Features
Student Interactions
Community
With eLearning, it would be great for platforms to provide an avenue where students and members can engage with each other and discuss subjects in their course materials, similar to how they would do if they were in a traditional classroom setting. Over the years, some have utilized Facebook groups, but that would require you to join Facebook and apply for the group membership.
You don’t need to leave Kajabi in order to interact with your students or with each other. Kajabi offers a fully integrated feature called Community. This is one of their student engagement tools.
You can even set your Community behind a paywall for patrons to gain access. This Community will allow you to directly address student queries and give students the chance to do the same with each other.
Because you can make the Community available as a standalone product. Those who are not too keen on purchasing the entire course could just buy access to the discussions.
Organizing Your Topics
Forums have a problem with organization. It may be hard for both the creator and the students to keep track of specific topics. This is something I noticed in many Facebook groups. This makes it difficult to understand your audience and listen to them.
Kajabi allows the administrator to organize and reorganize feeds. They can organize the posts by topic or pin specific posts to improve viewability.
Overall, the Community feature is one advantage Kajabi has over its competitors. This feature is very beneficial to entrepreneurs who run an online school.
> > Click Here to Check Out Kajabi < <
Content Access
Kajabi allows you to choose how your students will receive your courses. You can either allow them to receive all the classes and resources at once, drip-feed them on a schedule, or lock your content. The last one tends to increase student engagement as there is a requirement to finish the lesson first before accessing the next one. Kajabi Pricing And Features
Dripping Course Content
Instead of giving your students everything at once, drip-feeding your courses can be an option.
You can keep your students coming back to your page to see new content by drip-feeding it. This will also prevent your student from skipping important parts of the course.
Third, it is a valuable feature for when you decide on a membership type.
Content Locking
Content locking forces your student to finish a lesson before they can gain access to the next one. An assessment can be given at the end of lessons. This way, they increase their participation, and you can keep track of their progress in understanding lesson materials.
Course Analytics
Kajabi prides itself on providing the best tools to help entrepreneurs handle their business with the course analytics. What it does is create heatmaps and video stats. Through it, you will get insights on which aspects of your courses are doing well and which ones need to improve on.
It also provides information about your affiliates, students, sales transactions, and other relevant information that could help you optimize your products.
Play Rate
The play rate gives data on how many people have watched a specific video. Early on, I mentioned how some students opt to read the transcript of the video and download the course material rather than watching.
Average Engagement
This data shows you the average percentage of video your students watched. Since some students prefer to skip some segments of the video, you can get an idea of how well you can keep your students engaged in what you need to say.
Visual Engagement Viewer
With this comes a graphical overlay in your video. This is a great feature for visual learners like me. Information presented in text blocks is not the best way to process it. I prefer having my data in graph form.
The Visual Engagement Viewer displays a report on your students’ engagement with specific parts of the video. There is usually a downhill trend in which people stop watching the video at the beginning of the outro.
Viewer Heatmaps
Your students may not be watching your videos just because they opened them. It could have been running in the background, while they did something else. Kajabi Pricing And Features
The Viewer Heatmap allows you to see which parts of the viewers are not interesting to your students, and which ones they have viewed repeatedly. This could indicate that the students found these parts interesting or difficult. Thus, there was a need to rewatch to review.
You can trust that Kajabi will provide you with a valuable array of analytic tools to better your content. The best thing to do with your data is to help you develop a strategy to guide your business decisions.
Blogging
A strong blog can do wonders for promoting your business. Current students can receive updates and more information about your products and services while new customers are introduced to them. Having a solid blog boosts traffic for you and generates leads that would transform visitors into potential students.
Kajabi still has a lot to do in this area, however. This is not as good as WordPress. Despite its limitations, Kajabi’s ability to store everything in one place makes up for them.
Basic HTML Know-How
It is unnecessary for you to code to build your website and customize most things in Kajabi; it is still a good idea.
If you want to personalize the photos in your Kajabi blog, you need to do some basic coding. When you upload a photo on top of a blog post, it will show up in the recommended image size. Kajabi works with HTML. You would have to fiddle with HTML to change some of the dimensions. This isn’t too difficult. With a quick search on the internet, you will find plenty of tutorials to do some basic coding.
> > Click Here to Check Out Kajabi < <
Another thing that would probably concern you is text wrapping. You cannot edit the way the text wraps around a picture in the body of your blog unless you deal with the HTML.
Kajabi does not have an image bank. If you wanted to add a photo that you have previously used in other articles, you would need to upload it from your computer or sites like Google Drive again. Hopefully, Kajabi will focus on these things in their subsequent updates.
Tagging
Kajabi has many great features. However, I find it frustrating that I can’t pick the tags I want to use in my posts. Unlike in other blogs where you can easily refer to previous tags, the tags themselves don’t appear even as suggestions when you type them down.
It can be a hassle to remember the tag you used, or to put it on a separate list for each blog post. Kajabi Pricing And Features
Marketing Tools
These are Kajabi’s most important support for its customers. Kajabi is built to sell. With so many marketing features, your business will be in safe hands. You have pipelines, automation, and so much more. In this section, we will discuss a few features.
Pipelines
Kajabi has a pipeline built into platforms that will simplify sales and marketing. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. Depending on what Price Plan you chose, you can have 3, 15, or 100 pipelines.
Kajabi will give you a visual representation of your schematics, and editing is easy and intuitive. You can add videos, images and offers using the drag-and-drop editor. This will help you increase your conversion rates. There are suggestions if you don’t know where to start.
Kajabi provides blueprints to help you start your pipelines. Your chosen blueprint will guide you through the setup of funnels, including landing pages, email automation, offers, and much more. This template was carefully crafted by Brendon Burchard, one of the world’s leading high-performance coaches.
With the Pipeline Stats feature, you can monitor the progress of your marketing plans and use it to evaluate the areas that are lagging. This feature allows you to see each page and email of the pipeline and data on your earnings per view.
Affiliate Program
A disclaimer here: the affiliate program is only available with the Growth and Pro Plans. You and your partners will be able to market your products and the program together. It becomes easier for you to give them the agreed-upon commission. A private dashboard will be available to you. It will allow you to see statistics about clicks and conversions as well as other relevant data that can be used to market your business.
Automation
Email Marketing
Kajabi makes it easy to start your own business. You can quickly launch email marketing campaigns depending on the schedules you have set. This feature allows you to decide on the sequence of the mails, add multiple emails to be sent out in the set sequence, and upsell additional offers. Templates are also available to fit your email’s purpose. Not a lot of alternatives offer this much freedom.
Let’s say a visitor adds a product to their cart, but they have not made a decision to buy. Kajabi can send them an email reminding them about your offer. This allows you to track sign-ups automatically from your email campaigns. Just relax and see the improvement in your conversion rates.
You can also use Kajabi to integrate with other email platforms.
Marketing Partners
Kajabi integrations allow you to manage your entire business from one platform. Currently, Kajabi has 10 native integrations. To name a few, it has ConvertKit, Aweber, MailChimp, and Active Campaign. Kajabi Pricing And Features
How to Price Your Products
Pricing your courses should take into account several factors, including the time you spent creating and planning it, your fees for expertise, and operational costs.
Once you have determined the price, Kajabi gives a simple method for pricing your products. Click on the Offers tab to the left and select ‘Add New Offer’.
They can be sold individually or packaged together. Once you make a new deal, you will receive a prompt to enter the title offers, product, and cost. Now, you will only be able to choose one product, but there will be some options for you to choose from in terms of bundles and payment options on the following pages. You can also choose the currency for your product’s pricing.
You have several options if you’re concerned about people not being financially able to pay for your course.
- Free
- One-time Payment
- Multiple Payments
- Recurring Payments
From here, you may also create coupon codes or generate bulk coupon codes as well as special offers that apply to the coupon.
Payment Methods
Kajabi uses Stripe or Paypal to process payments. You will be able to customize checkout and create flexible payment options for your students. This comes with the convenience of not paying for transaction fees as Kajabi does not charge you. But, you do have to answer to the cost of its payment method partners.
Partnering with Paypal makes it easy to pay affiliates via Paypal Mass Pay. This includes an exported list of all sales.
It is also easier to request refunds. Kajabi allows you to do refunds without needing to leave the site.
Kajabi Pricing
As mentioned earlier, Kajabi’s pricing can seem higher than other platforms. Because of the platform’s cost, most individuals would undoubtedly be hesitant to use it.
Well, one thing I can say is that it is an investment that keeps on giving. Kajabi is not just a course-building platform. While pricing may be cheaper for other platforms, you may end up paying for three or more different tools for email services, blogs, and sales pipelines. All of these come with your Kajabi subscription. Because of the extensive tool set, prices are greater than those of competitors. However, of all the platforms, Kajabi offers the most value for money.
Unrestricted bandwidth, unlimited Wistia video hosting, and 0% transaction fees are included in all three pricing plans. It also has chat support and assessment features.
To check how the plans differ, below is a thorough discussion of each pricing plan. Kajabi Pricing And Features
> > Click Here to Check Out Kajabi < <
Basic Plan
The lowest-priced plan starts at $149 monthly. You will only have to pay $119 if you are billed annually.
The basic plan is the most affordable option. Take note, it limits you to only 3 products, 1 website, 3 sales pipelines, and around a thousand members. The Kajabi logo branding will remain on all products.
However, landing pages and marketing emails are unlimited. The Basic Plan might not contain some of the essential marketing tools you would like to use for your business. Despite Kajabi’s superb customer service, you’ll want to keep your questions to office hours. In contrast to the higher plans, who gets access to a live chat with customer care 24/7.
Growth Plan
For $50 more, you can upgrade to this tier and get five times more courses. The monthly payment sets you back $199, but if billed annually, it will cost only $159.
Fortunately, though, even the basic pricing plan has a lot of features to play with. Most plans have the same basic suite of functions, but they scale according to the pricing plan. For example, the Basic plan only allows for 3 products and 3 pipelines, while the Growth plan allows for 15 products and 15 pipelines. As a result, when you purchase a higher-tier plan, you are not paying for new features, but rather for the expansion of existing ones. In addition, Kajabi does not charge a transaction fee for any sales made on the platform.
You can build new goods, pipelines, and members at the second level. White-labeling, affiliate marketing, and automation are just a few more reasons to acquire this plan.
- White-labelling – This allows you to remove the Kajabi branding from your website and completely customize it.
- Affiliate advertising – well-known online sales strategy. Your products will reach a bigger audience thanks to your affiliates. For suggesting your products to their audiences, your affiliates will be paid commissions.
- Automation – Automation, as previously said, makes it easy for you to follow up with your students. The system then uses a prompt to automatically send out the predetermined response. If a student is falling behind on examinations, for example, you can send them an automatic email with extra course materials. There’s no need for you to manually follow their progress.
We understand that you are not in the business solely to make money as a creator. You want your products to be worthwhile. This is beneficial from a business standpoint since if consumers are getting their money’s worth, they are more inclined to return for more. It’s a win-win situation for both parties.
Pro Plan
{This is the priciest plan Kajabi has to offer. But it does come with some pretty neat features. You can market up to 100 products, handle 3 sites and at most, have 20,000 members. Because of the number of courses you can market, you can have 25 admin users to help you manage. You also have access to round-the-clock customer support.|This is the most expensive plan offered by Kajabi. It does, however, have some interesting features. You can sell up to 100 products, manage three websites, and have a maximum of 20,000 members. You can have up to 25 admin users to assist you in regulating the amount of courses you can market. You also get access to customer service 24 hours a day, 7 days a week.
These features plus all features you would enjoy from both Basic and Growth Plans are included. While there are unlimited landing pages, the advertising emails are limited to two million.
Access to the Experts Academy is included as part of the Pro Plan. More information on how to sell your brand can be found there. Kajabi Pricing And Features
You could schedule billing monthly for $399 or yearly for $319 if you picked Kajabi’s Pro Plan. Take notice that this is a significant investment that you must consider. This is the option that most large firms or those with a large number of courses to sell pick. But if you are just starting or your business does not warrant the need for a Pro Plan yet, then I would suggest the other two plans. Just my two cents in. You would still get to enjoy a lot of what Kajabi has to offer on the budget you set.
Moving to Kajabi
If you’re not new to course creation, you’ve probably utilized various platforms. It’s fantastic that you’re still researching company choices and looking for ways to improve. If you have decided to move to Kajabi, another concern would be how to move all of your data into the platform.
Not to worry, though. Fortunately, you can simply import your members’ names and email using a .csv file. But, you can only do this 500 members at a time. So it would require you to do multiple importations if needed.
Another thing to note is that your members will have to reset their passwords due to a security issue. This is good news for you and your members. Kajabi takes your business’ security seriously. This means that other platforms will not have access to their information once the move is made.
Conclusion
For many creators, Kajabi is a popular choice, and it has a lot to offer for the price you choose to pay. It comes with exceptional customer service, a well-integrated system, and is extremely user-friendly.
As stated earlier, Kajabi aims to help you streamline your business process in one site and make it profitable. With its many marketing features, it gives you the edge to push your products to new heights.
Now that you’ve read this review, you have a better understanding of the advantages and disadvantages of using Kajabi. Overall, I believe Kajabi is an excellent tool for managing your business, from conception to marketing. Kajabi Pricing And Features
Frequently Asked Questions: Kajabi Pricing And Features
-
What does Kajabi mean?
- According to its founders, it is an aboriginal word that means “to take flight.”
-
Is Kajabi free?
- Currently, Kajabi does not offer a free plan. However, it provides a 14-day trial for you to try out its features.
-
Is Kajabi worth the money?
- This depends on your business needs and how you can optimize Kajabi’s features. Kajabi is well known for being user-friendly and having a variety of built-in integrations for smoother business processes. You also receive excellent support.
-
Is Kajabi easy to use?
- Yes. Kajabi is easy to use. In fact, because of this, thousands of course creators have it as their platform of choice.
-
Is Kajabi accessible via a mobile app?
- Yes. Your students have the convenience of accessing Kajabi via a mobile app. It is available in both iOS and Google Play.
-
Can you use your domain?
- Yes. You may establish a custom domain using Kajabi’s branding with the Basic Plan (yourdomaintitle.kajabi.com). With the Growth and Pro Plans, you can opt to erase all traces of Kajabi’s branding and have a website solely focused on you.
-
Does Kajabi have transaction fees?
- No. There are no transaction fees, but you can still be subject to pay the standard Stripe merchant processing fee.