Kajabi was originally an idea by Kenny Reuter, who wanted to start a side-business teaching people how 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. The Kajabi founders, Kenny Rueter & Travis Rosser, knew that they wanted to help others monetize their knowledge online. To do so, they would need a platform that makes the process painless and seamless for entrepreneurs.
If you’re an online course creator, you have probably heard of Kajabi before. 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 review will cover the basics of what you need to know about Kajabi. This includes online course creation, marketing, pricing, and so 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 Setting Up A Blog On 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
- 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, 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. There are three options available: Pro, Growth, or Basic. 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.
You can easily complete assessments by simply typing the questions and selecting the options (if you’ve chosen the multiple-choice option).
Assuming this is all done, you’re now ready to market your products. You can create pipelines in Kajabi. These mechanisms allow you to achieve high conversion rates by turning prospects into potential students by giving efficient marketing funnels. You can add landing pages, freebies that get leads to enter their email addresses, video marketing, and so on.
Once the prospect is enrolled as a student, payments can be made through the site. All this without leaving Kajabi. Setting Up A Blog On 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 choose Kajabi?
As an entrepreneur, of course, you would want to make sure that you make the most out of your investment. 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. 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
- 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. But, take into account that this takes away the hassle of using expensive plug-ins for your business. 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 this could be avoided by using one platform.
Platforms that are well-designed consider what their users need and want. 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
Many great teachers don’t have the technology skills to share their knowledge online. Even with the willingness of some to learn, the process can be complex and confusing too. Kajabi creators created the platform so that it is accessible and easy to understand even for those with problems with computer work.
It uses a visual layout which makes it easy to use and intuitive. Kajabi’s drag-and-drop editor will make it easy to start an online business, even if you don’t know how to code.
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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. 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. 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. It was easy to automate my follow-ups and it is very simple. Setting Up A Blog On 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.
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. These topics include creating online courses, marketing on social media, setting up payments, and creating your product pages.
These tutorials come in both video and text format 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.
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
Contact customer service if you have a question that is not covered in the Kajabi online guides. If you have any questions, they can help you. Setting Up A Blog On 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. 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. 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
- 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. 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.
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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 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. Setting Up A Blog On Kajabi
How to Upload Your Content
Videos
Kajabi provides built-in streaming through Wistia as a 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. You can choose to upload from your computer, Dropbox, Google Drive, or by 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.
After your files are uploaded, Kajabi will automatically convert them into articles you can edit later. This saves you the hassle of going through the posts and uploading videos one by one.
Now, with Wistia as the video host, rest assured that alone makes your subscription 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 great bargain.
Assessments
Assessments are great tools to gauge student learning and engagement. 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. 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. Kajabi allows creators to issue certificates of completion but they cannot be issued onsite.
These certificates can only be created using third-party services such as Canva, Google Slides and Accredible.
This is something I don’t mind doing for my business. However, it would be a hassle for some.
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
Even if we call it online students, some do not necessarily stay online for the whole duration of the course. Others opt to download the course materials and do the 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. Students may prefer to review transcripts over watching the entire video.
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. Setting Up A Blog On 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. 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 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. 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 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. This feature is very beneficial to entrepreneurs who run an online school.
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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. Setting Up A Blog On 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. 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 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. 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
This will create a graphic overlay for your video. I find this quite handy as a visual learner myself. I am not able to process information well when it’s all presented in blocks of text. I prefer having my data in graph 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
Now just because your students opened your videos does not mean that they are watching them. It could have been running in the background, while they did something else. Setting Up A Blog On Kajabi
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. It could mean that these are parts that they found interesting or they found 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. 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.
If you want to personalize the photos in your Kajabi blog, you need to do some basic coding. Uploading a photo to a blog post will display it in the recommended size. Kajabi works with HTML. To change certain dimensions, you would need to play with HTML. This isn’t too difficult. With a quick search on the internet, you will find plenty of tutorials to do some basic coding.
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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.
Lastly, there is a lack of an image bank in Kajabi. 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. The tags don’t show up as suggestions, unlike other blogs that allow you to refer to past tags.
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. Setting Up A Blog On 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 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. 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. It becomes easier for you to give them the agreed-upon commission. 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.
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.
Of course, if you choose to use other email platforms, you will find that you have many options Kajabi can integrate with.
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. Setting Up A Blog On 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.
Kajabi provides a simple way to price your products once you have established the price. 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. 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.
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 and Paypal for payment processing. 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.
One convenient thing about partnering with Paypal is that it makes it easier to pay affiliates their commissions through Paypal Mass Pay with an exported list of all your affiliate 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. 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. Prices are higher than competitors due to the large suite of tools. But, Kajabi still provides the best value for money out of all other platforms.
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. Setting Up A Blog On 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. 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. 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
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. So when you buy a higher-tier plan, you are not paying for new functions but expanding the ones you already have. Kajabi also doesn’t charge a transaction fee for any sales made on the site.
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 – A popular online sales tactic. Through your affiliates, your products will receive a wider reach. Your affiliates will receive commissions for recommending your products to their audiences.
- 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.
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. Setting Up A Blog On 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
For those who are not new to course-creating, you probably used other platforms. It is excellent that you are still considering options for your business and thinking of 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. Setting Up A Blog On Kajabi
Frequently Asked Questions: Setting Up A Blog On 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?
- Kajabi does not currently have a free plan. It does, however, offer a 14-day trial period during which you can test 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). 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.
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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.