Kajabi started as a simple idea of Kenny Reuter wanting to begin a side business teaching people to make toys online. He was not passionate about teaching online but he was passionate to make it easier for people who wanted to share their knowledge online.
It was easy to see the vision. The Kajabi founders, Kenny Rueter & Travis Rosser, knew that they wanted to help others monetize their knowledge online. They needed a platform that made it easy for entrepreneurs to do this.
Kajabi is a popular online course creator. It is one of the most popular online learning platforms today. Since its launch in 2010, Kajabi grew to become the powerhouse that it is today. It has empowered thousands to escape the jobs that no longer fulfill them and help them realize their dreams.
This overview will provide a basic understanding of Kajabi. This includes online course creation, marketing, pricing, and so much more. This will give you a clear idea of the benefits you’ll get if you choose Kajabi.
For those of you who prefer a more visual experience, here is a video review from Lane Sebring’s YouTube channel. Do check out our article below, however, because it has a comprehensive overview of Kajabi.
General Overview Hire Virtual Assistant Kajabi
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
- Uses Wistia 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, in a nutshell, is an online course platform that allows its users to take care of their business using only one site. 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. It boasts how simple it is to use. The first thing you can do is to purchase a plan. You have three options: Basic, Growth, and Pro. These options will be discussed later in this review.
After you’ve selected a plan, you can set up an account and upload your content. Using the lesson editor, you can upload your video lectures and give the lesson description and titles.
Assessments are easily done by typing the questions and giving options (if you have chosen the multiple-choice type ).
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. You can add landing pages, freebies that get leads to enter their email addresses, video marketing, and so on.
When the prospect becomes a student, you can process payments through the site. All without having to leave Kajabi. Hire Virtual Assistant Kajabi
Now, some features make Kajabi an almost “all-in-one” platform. These features will be discussed in the next sections. Kajabi is able to compete with most online courses platforms, thanks to the many features and benefits it provides.
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.
It’s more than simply uploading course content and waiting for students sign in. It requires you to build out a curriculum, develop assessments or goals for your students, design your course website, and market it to your target audience. You can do the following and more with Kajabi.
- Create a website
- Make course offerings
- Keep track of student progress
- Manage subscriptions/payments
- Run email marketing campaigns
One criticism Kajabi has is on its price. It is more expensive than other alternatives, but that’s okay. But, take into account that this takes away the hassle of using expensive plug-ins for your business. You also have to figure out how to make the plug-ins seamlessly work together. This takes time, effort, and money. All of which could be avoided under one single 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.
If you are a professional looking for ways to market your knowledge, Kajabi is the right choice. 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.
It uses a visual layout which makes it easy to use and intuitive. Even without learning how to code, you will be able to create an online business in no time with Kajabi through its drag-and-drop editor.
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Almost “all-in-one”
Kajabi can be used for most things, with the exception of a few features that are still being developed by developers. You don’t need to spend too much time trying to find the right extensions or plug-ins. 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. You can provide coupons for discounts to entice your potential students, follow-up leads, and handle payments without leaving 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. Hire Virtual Assistant Kajabi
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. The Kajabi Assistant Bar gives you access to many searchable tutorials. Just head to the top and enter any query. It will display related tutorials.
You can also find videos and tutorials on the Kajabi University to help you get started in creating and growing 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 come in both video and text format for your convenience.
Third, one unique feature about the onboarding process is the 28-day “Hero Challenge.” It is essentially a month-long crash course to help you get your website launched and your business making its first sale. This challenge will teach you everything about the platform and give you strategies to market your products.
If your queries aren’t answered, Kajabi has one of the best customer support out there. 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. I have had no problems so far with their handling of 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. Hire Virtual Assistant Kajabi
The Growth and Pro Plan gives you access to the Kajabi customer service team 24/7 via live chat.
The Basic Plan does not have 24/7 customer support if you choose to opt for it. However, staff members will only be available Monday through Friday 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. They never take too long to reply.
This is one of the reasons why the more expensive plans are worth the extra money if you are not confident about your computer skills. 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:
Course creation in Kajabi is fast, efficient, 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 also have the option to create a custom listing. Let’s go through them one by one:
- Mini-course
- Although it contains less material than the Online Courses, a mini-course is very easy to complete. You can use this to gauge customer interest and also build your brand 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 will help you keep your product in front of people and make 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
- This is an excellent option if you are an advanced user who wants to customize your content.
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To upload your courses, you can use Kajabi’s intuitive editor. These can be uploaded from your computer, Dropbox, or Google Drive.
Kajabi supports a wide variety of file types, so you can include videos, audio, pdf, and text documents in your lessons. Wistia offers video hosting for Kajabi. You can also upload bulk files. Hire Virtual Assistant Kajabi
How to Upload Your Content
Videos
Kajabi offers built-in streaming via Wistia as an video host. There will be an icon that you can spot immediately, and it will ask you to upload either a video or an assessment.
As mentioned earlier, you will be able to upload your videos in bulk without worrying about bandwidth. In all the Pricing Plans of Kajabi, you are provided with unlimited bandwidth. Uploads can be made from your computer, Dropbox or Google Drive. You can also upload via URL links. It will not accept URLs from Youtube and Vimeo. The uploader searches for the file type in URLs.
Once your files have been uploaded, Kajabi can automatically transform these uploads into articles that you can edit later on. This eliminates the need to go through each post and upload videos one at a time.
Now, with Wistia as the video host, rest assured that alone makes your subscription worth it. A standalone Wistia subscription can set you back at $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. Students can gauge their understanding of the material by seeing how they do with lessons. It can also aid in motivating them to work harder. You can also use this feature to get feedback from students about your products and if you opt for content locking.
It takes less than two minutes. You can create assessments by opening the People tab from the Dashboard. Select Assessments, then +New Assessment, and follow the prompt to start 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.
Second, it does not allow users to randomize the questions or have question banks. It does however support assessment such as multiple-choice and paragraph-style questions.
Your students can also upload files for you to check through its assignment submission feature.
Photos
You can upload a poster photograph for your lessons. Pictures help to set the tone for your website and give your students a visual preview.
Click on the Pick File button to upload images.
Certificates
Kajabi is almost an “all-in” platform. This is due to its inability to provide certificates to students who have completed the courses. Kajabi allows creators to issue certificates of completion but they cannot be issued 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 is a major problem for those who want to use eLearning to earn credit. This should be something that Kajabi creators ought to seriously consider.
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. This feature was added by Kajabi to make things easier for students. 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 can choose to add a description or even a transcript for your videos. Some students prefer to read transcripts rather than watching entire videos when they review.
It is best to add a brief description. This will allow students to understand the content of the lesson and the topics that will be covered in the video. Hire Virtual Assistant Kajabi
Student Interactions
Community
It would be wonderful for eLearning platforms to allow members and students to interact with one another and discuss topics in their course materials. This is similar to what they would do in a 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 has a fully integrated feature called the Community. This is one of their tools for student engagement.
Your Community can be protected with a paywall so that patrons have access. This will enable you to address student questions directly and allow students to share their experiences with one another.
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
One problem that forums have is the lack of organization. Both the students and the creators may find it difficult to keep track of particular topics. This is something I noticed in many Facebook groups. This makes it hard to listen to your audience and understand 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, Kajabi’s Community feature is a significant advantage over its competition. It is beneficial for entrepreneurs with an online course business.
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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. Hire Virtual Assistant Kajabi
Dripping Course Content
You can choose to drip-feed your courses after a pre-set duration instead of allowing your students to receive everything all at once.
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. It will give you insights into which parts of your courses are performing well and which need to be improved.
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. I mentioned that some students prefer to download the course material and read the transcript rather than watch the video.
Average Engagement
The data you receive here is the average percentage of the whole video that 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 to have my data presented in graphic form.
The Visual Engagement Viewer presents a report of your students’ engagement in specific points of the video. Usually, there is a general downhill trend wherein people tend to stop watching at the start 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. Hire Virtual Assistant Kajabi
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. It could mean that these are parts that they found interesting or they found difficult. This meant that they needed to watch the video again to make sure they understood what was going on.
Kajabi can provide valuable analytic tools that will help you improve your content. Your data can be used to create a strategy that will guide your business decisions.
Blogging
Strong blogs can make a big difference in promoting your company. 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. But still, the fact that you can place everything in one place without needing to exit Kajabi makes up for its shortcomings.
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.
You will need to learn basic programming to personalize your Kajabi blog’s photos. 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. Of course, this is not too much of a problem. You can find many tutorials for basic coding by doing a quick internet search.
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Text wrapping is another thing you should be concerned about. 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
While I enjoy most of Kajabi’s features, one thing that gripes me is the hassle of being unable to pick from existing tags in my post. 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.
When you need to add a tag to a post you’re making, it is a pain having to remember which tag you used or put it on a separate list each time you make a blog post. Hire Virtual Assistant Kajabi
Marketing Tools
These are Kajabi’s most vital support for its users. Kajabi is built to sell. With so many marketing features, your business will be in safe hands. There are automation, pipelines and many other features. In this section, we will discuss a few features.
Pipelines
Kajabi has developed a platform that makes it easy to sell and market. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. You can have three, fifteen or 100 pipelines depending on which Price Plan you choose.
Kajabi will give you a visual representation of your schematics, and editing is easy and intuitive. There is a drag-and-drop editor for you to add videos, offers, images, and other elements that can help you achieve high conversion rates. If you do not know where to begin, suggestions are also provided.
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. Now, you and your partners can efficiently market your goods and with the program. You can now give your partners the agreed-upon affiliate commission much easier. 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 is your business made easy. 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.
Suppose a visitor adds something to their cart but has not yet decided to make the purchase final; you can set up Kajabi to send an email to remind them of your offer. With this, you do not have to manually track the number of sign-ups from your email campaign. Just relax and see the improvement in your conversion rates.
Of course, if you choose to use other email platforms, you will find that you have many options Kajabi can integrate with.
Marketing Partners
You can run your business under one platform, and Kajabi’s integrations help make that happen. Currently, Kajabi has 10 native integrations. To name a few, it has ConvertKit, Aweber, MailChimp, and Active Campaign. Hire Virtual Assistant Kajabi
How to Price Your Products
There are several factors that you need to consider when pricing your courses – time spent in planning the content and creating it, charging for your expertise, operational costs, and so on.
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’.
You can sell them individually or package them as a set. After you create a new deal you will be prompt to enter title offers, product and cost. You will now only be able choose one product. However, there will be many options available for bundles and payment options. You can also choose the currency for your product’s pricing.
If you are worried about people not being able to afford your course, you can set it up in multiple ways:
- Free
- One-time Payment
- Multiple Payments
- Recurring Payments
You can also generate coupon codes, bulk coupons codes and special offers to apply to your coupon from this page.
Payment Methods
Kajabi uses Stripe or Paypal to process payments. You can customize your checkout to create flexible payment options and offer custom payment options for students. Kajabi doesn’t charge transaction fees so this comes with the convenience. 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.
Refunds are also made more straightforward. 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.
Kajabi is a never-ending investment. Kajabi is not just a course-building platform. Even though it’s a bit more expensive than other platforms, keep in mind that you do not need to pay separately 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.
Below is a detailed breakdown of each pricing plan to see how they differ. Hire Virtual Assistant Kajabi
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Basic Plan
The lowest-priced plan starts at $149 monthly. If billed annually, you will only pay $119.
The basic plan is the most affordable option. However, you are limited to having 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.
The second level allows you to create more products and pipelines as well as members. More reasons to get this plan: white-labeling, affiliate marketing, and automation.
- White-labelling – With this, you can remove Kajabi branding from your website and fully make it your own.
- 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 – As discussed earlier, automation makes it easier for you to follow up with your students. With this, the system automatically sends out the programmed response through a prompt. For example, if a student is lagging on assessments, you can set an automated response of an email with supplemental course materials for them. No need for you to keep track of their progress manually.
As a creator, we are aware that you are not in the business to only make money. You want your products to be of value as well. Business-wise, this is valuable because if people are getting their bang for the buck, they will be more likely to return for more. It is a win-win situation.
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. Hire Virtual Assistant Kajabi
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 keep in mind is that owing to a security issue, your members will need to reset their passwords. This is excellent news for you and your colleagues. Kajabi is concerned about the safety of your company. This means that after the switch is done, other platforms will no longer have access to their information.
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 previously said, Kajabi’s goal is to assist you streamline and profit from your business processes in one place. It gives you the advantage to take your products to new heights thanks to its numerous marketing capabilities.
Now, this review has given you some insight into the benefits and downsides of choosing Kajabi. Overall, I can still say that Kajabi is a wonderful tool to manage your business from creation to marketing. Hire Virtual Assistant Kajabi
Frequently Asked Questions: Hire Virtual Assistant Kajabi
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What does Kajabi mean?
- According to its founders, it is an aboriginal word that means “to take flight.”
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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.
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Is Kajabi worth the money?
- This is dependent on your business requirements and how you can make the most of Kajabi’s features. Kajabi is well-known for being user-friendly and for having a number of built-in integrations that help streamline business processes. You also receive excellent support.
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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.
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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.
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Can you use your domain?
- Yes. With a Basic Plan, you can create a custom domain with Kajabi’s branding (yourdomaintitle.kajabi.com). You can choose to remove any traces of Kajabi’s branding and create a website that is purely focused on you with the Growth and Pro Plans.
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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.