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. They needed a platform that made it easy for entrepreneurs to do this.
If you’re an online course creator, you have probably heard of Kajabi before. It is one of the most widely used online learning platforms. Kajabi has grown to be the online learning platform it is today since its inception in 2010. It has helped thousands of people escape from jobs that don’t suit them anymore and have enabled them to realize their dreams.
This review will cover the basics of what you need to know about 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. To get a comprehensive overview of Kajabi, you may still want to check out our article below.
General Overview Moifying Kajabi Course
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
- Amazing customer service
- Intuitive course builder and highly customizable themes
- Wistia is used as a video host
Cons
- Kajabi prices are higher than average
- 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. Kajabi can take care of everything, from course creation to marketing and much more.
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. We will discuss them later in this review.
After you’ve selected a plan, you can set up an 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. These mechanisms allow you to achieve high conversion rates by turning prospects into potential students by giving efficient marketing funnels. 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. Moifying Kajabi Course
Kajabi is almost an “all-in” platform. I will talk about them in the later sections of the review. Kajabi is able to compete with most online courses platforms, thanks to the many features and benefits it provides.
Why should you choose Kajabi:
As an entrepreneur, of course, you would want to make sure that you make the most out of your investment. If you have valuable content that you would like to market, Kajabi provides excellent support for your needs. 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. 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
- Track student progress
- Manage subscriptions/payments
- Run email marketing campaigns
One criticism Kajabi has is on its price. Admittedly, it is pricier than some alternatives. This eliminates the need to purchase expensive plug-ins and saves you time. There is also the added stress of figuring out how to seamlessly make these plug-ins work with each other. This takes time, effort, and money. All of which could be avoided under one single platform.
Platforms that are well-designed consider what their users need and want. These platforms can be used to create sales pages, email your students, or do all kinds 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.
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 is suitable for almost everything, save for a few minor features that developers are still working on. 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. You can create and market courses using this platform. 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. It was easy to automate my follow-ups and it is very simple. Moifying Kajabi Course
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 offers a lot of support 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.
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. If you are a member of the Growth or Pro Plan you will have access to live chat support 24 hours a day. With a Basic Plan, customer chat support is available at limited times during the day. 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.
Lastly, there’s a rewards program in Kajabi that is designed to provide incentives for creators who reach their revenue levels and offers 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. Moifying Kajabi Course
With the Growth and Pro Plan, you can access the 24/7 Kajabi customer support team 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. Even with this, they always reply promptly. I do not have to wait too long for my answers.
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:
Kajabi’s course creation is quick, easy, and customizable. After you have given a name to your product, you will see “New Product” in the upper right corner of your screen. There are three pre-built product blueprints that can be used for different digital products. You can also create your own listing. Let’s go through them one by one:
- Mini-course
- A mini-course contains lesser material than the Online Course, but it is pretty easy to complete. This can be used to gauge customer interest as well as build your brand’s value.
- Online course
- From short workshops to seminars to lectures about your area of expertise, these are full-blown courses that your students can avail.
- Evergreen Training
- The Evergreen Course will help you keep your product in front of people and make sales. Essentially, after you launch it, it will keep creating passive income for you. 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. Moifying Kajabi Course
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. 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. 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 eliminates the need to go through each post and upload videos one at a time.
With Wistia being the video host, your subscription will be worth it. Wistia standalone subscriptions can cost $99 per month. You can get Kajabi’s Basic Plan for $119/year if you add $20. 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. This can motivate 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. Open the People tab in the Dashboard to create assessments. Choose Assessments and then +New Assessment and finish the prompt to begin customizing.
A nifty feature is that when students do not fully succeed on the assessments, it can be set to automatically send out additional materials to help them.
Now there are some drawbacks. 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. Although, it does support assessments such as multiple-choice questions 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. Pictures help to set the tone for your website and give your students a visual preview.
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 is a major problem for those who want to use 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. 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 have the option to add a description, or even a transcript to your videos. Students may prefer to review transcripts over watching the entire video.
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. Moifying Kajabi Course
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. Some have used Facebook groups over the years. To join the group, you will need to be a member of Facebook.
Conveniently, you do not need to exit Kajabi to interact with your students and with each other. Kajabi offers a fully integrated feature called Community. This is one of their tools for student engagement.
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
One problem that forums have is the lack of organization. It may be hard for both the creator and the students to keep track of specific topics. This is what I observed in a lot of Facebook groups. This makes it difficult to understand your audience and listen to them.
In Kajabi, the page administrator is allowed to organize and reorganize the feeds. They can sort the posts by topic and also ‘pin’ specific posts for better viewability.
Overall, the Community feature is one advantage Kajabi has over its competitors. It is beneficial for entrepreneurs with an online course business.
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Content Access
Depending on your style, Kajabi gives you the option of how your students 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. Moifying Kajabi Course
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. Second, this will prevent them from jumping too far ahead and skipping possibly essential parts of your course.
It is also a useful feature when choosing a type of membership.
Content Locking
Content locking forces your student to finish a lesson before they can gain access to the next one. You can end your lessons with an assessment to be completed. You can increase their participation and keep track of how they understand the lesson material.
Course Analytics
Kajabi is proud to offer the best tools for entrepreneurs to manage their businesses with the course analytics. It creates heatmaps and videos stats. Through it, you will get insights on which aspects of your courses are doing well and which ones need to improve on.
Therefore, it shows you information on your courses, affiliates, students, and sales transactions that can help you optimize your products.
Play Rate
Play rate is a way to see how many people have viewed a particular 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
This will create a graphic overlay for 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. 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. They could have kept it running in the background while they do something else, in the guise of multi-tasking. Moifying Kajabi Course
With the Viewer Heatmap, you can now check which segments of the viewers were not that interesting to your students and which parts they repeatedly watched. This could indicate that the students found these parts interesting or difficult. Thus, there was a need to rewatch to review.
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. It is not on the same level as what you would have with something like 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
You don’t need to know how to code in order to create your website or customize any Kajabi-related items. However, it is 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. To change certain dimensions, you would need to play with HTML. 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. You would have to upload a photo you’ve used previously in another article. These are the things Kajabi will hopefully focus on in his 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. Moifying Kajabi Course
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. There are automation, pipelines and many other features. 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 provide you with a visual representation for your schematics. Editing is simple and intuitive. You can add videos, images and offers using the drag-and-drop editor. This will help you increase your 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
The Growth and Pro Plans are required to access the affiliate program. 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. In it, you can see statistics of clicks, conversions, and other pertinent data to help you 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 lets you choose the sequence of emails, add multiple emails to the set sequence and upsell additional products. 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. 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
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. Moifying Kajabi Course
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.
Kajabi provides a simple way to price your products once you have established the price. Head over to the Offers tab found on the left side and click ‘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. 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 decide on the currency of your product’s price.
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 and Paypal for payment processing. You can customize your checkout to create flexible payment options and offer custom payment options for students. This comes with the convenience of not paying for transaction fees as Kajabi does not charge you. However, you will have to pay for the costs of its payment methods 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 makes it easy to request refunds from the site without leaving it.
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. 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.
Below is a detailed breakdown of each pricing plan to see how they differ. Moifying Kajabi Course
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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. 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. Some of the crucial marketing tools you’d like to use for your business might not be included in the Basic Plan. 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
You can subscribe to this tier for $50 extra and get five times the number of courses. The monthly price is $199, but if you pay it annually, it will just be $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 – 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.
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.
A bonus to getting the Pro Plan is access to the Experts Academy. In it, you will find more information on how to market your brand. Moifying Kajabi Course
If you chose Kajabi’s Pro Plan, you could set billing monthly for $399 or yearly for $319. Take note, this is a massive investment that you would need to consider. Most big companies or those with a good amount of courses to sell choose this option. 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 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. Moifying Kajabi Course
Frequently Asked Questions: Moifying Kajabi Course
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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.