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.
The vision was simple. Kajabi founders Kenny Rueter and Travis Rosser knew they wanted to help people monetize their knowledge and premium digital content online. To do so, they would need a platform that makes the process painless and seamless for entrepreneurs.
Kajabi is a popular online course creator. It is one of the most popular online learning platforms today. Kajabi has grown to be the online learning platform it is today since its inception in 2010. It has helped thousands of people escape from jobs that don’t suit them anymore and have enabled them to realize their dreams.
This overview will provide a basic understanding of Kajabi. These include marketing, pricing, online course creation, and 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 Kajabi +Amazon Affiliate
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 prices are higher than average
- Users cannot create custom certificates of completion for students 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. The platform boasts of how easy 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).
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.
When the prospect becomes a student, you can process payments through the site. All this without leaving Kajabi. Kajabi +Amazon Affiliate
Kajabi is almost an “all-in” 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:
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.
The business is more than just uploading your course content and waiting for students to sign in. You will need to create a course curriculum, set goals and assess your students, make sure your website is attractive to your target audience, and market it. Kajabi allows you to do all of these things and more.
- 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. 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 is time-consuming, expensive, and requires a lot of effort. All of which could be avoided under one single platform.
Good platforms think of what their users want and need. 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. Kajabi is a powerful, all-in-one tool 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. 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. Kajabi’s drag-and-drop editor will make it easy to start an online business, even if you don’t know how to code.
> > Click Here to Check Out Kajabi < <
Almost “all-in-one”
Kajabi is suitable for almost everything, save for a few minor features that developers are still working on. As mentioned earlier, you would not need to spend a lot of time finding out which plug-ins or extensions work together well. Imagine, one update could cause these plug-ins to disrupt your business processes.
If you want to save yourself the headache, Kajabi already has excellent tools for creating landing pages and sales funnels and converting visitors into customers. You can create and market courses using this platform. 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. Kajabi +Amazon Affiliate
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. Simply head over to the top and type out whatever query you might have. It will show you 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. The challenge covers all you need to know about the platform, as well as some strategies for successfully marketing 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. 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. 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. Kajabi +Amazon Affiliate
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. Although it functions as a ticket system you will receive an answer within one 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 take a look at each one.
- Mini-course
- A mini-course contains lesser material than the Online Course, but it is pretty 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. Marketing aside, this option allows you to trickle feed your content to your students and keep them interested.
- Blank
- If you’re an advanced user and want to fully customize your content, this is a good option for you.
> > Click Here to Check Out Kajabi < <
You can use Kajabi’s intuitive editor to upload your courses. These can be uploaded from your computer, Dropbox, or Google Drive.
Kajabi supports 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. Kajabi +Amazon Affiliate
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. You can choose to upload from your computer, Dropbox, Google Drive, or by URL links. It will not accept URLs from Youtube and Vimeo. The uploader searches for the file type in URLs.
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.
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 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. This feature can be used to receive feedback from students on your products, and for content locking.
It takes less than two minutes. Open the People tab in the Dashboard to create assessments. Choose Assessments and then +New Assessment and finish the prompt to begin customizing.
One of the coolest features is the ability to set it to automatically send additional materials to students if they fail to complete their assessments.
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.
Your students can also upload files for you to check through its 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
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 can be a huge deal for people who wish to choose eLearning to earn credit. I think that the Kajabi creators should highly consider this.
Downloads
Some students are not always able to stay online, even if they are called online students. Others opt to download the course materials and do the tasks offline. To make it easier for your students, Kajabi included this feature. This can be found in the Downloads section on the right side of the page.
Students will be able download any material that you have placed while they are in a lesson.
Body
You have the option to add a description, or even a transcript to your videos. 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. Kajabi +Amazon Affiliate
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.
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 the Community can be used as a standalone product. You can also buy access to the discussions for those who don’t want to purchase the whole course.
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 something I noticed in many Facebook groups. This makes it difficult to understand your audience and listen to them.
Kajabi allows the administrator to organize and reorganize feeds. They can organize the posts by topic or pin specific posts to improve viewability.
Overall, the Community feature is one advantage Kajabi has over its competitors. This feature is very beneficial to entrepreneurs who run an online school.
> > Click Here to Check Out Kajabi < <
Content Access
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. Kajabi +Amazon Affiliate
Dripping Course Content
Instead of giving your students everything at once, drip-feeding your courses can be an option.
You can keep your students coming back to your page to see new content by drip-feeding it. This will also prevent your student from skipping important parts of the course.
Third, it is a valuable feature for when you decide on a membership type.
Content Locking
Your student must complete a lesson before they can access the next. An assessment can be given at the end of lessons. 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. 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
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
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 to have my data presented in graphic form.
The Visual Engagement Viewer displays a report on your students’ engagement with specific parts 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. Kajabi +Amazon Affiliate
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. This meant that they needed to watch the video again to make sure they understood what was going on.
You can trust that Kajabi will provide you with a valuable array of analytic tools to better your content. The best thing to do with your data is to help you develop a strategy to guide your business decisions.
Blogging
Strong blogs can make a big difference in promoting your company. Students can get updates and additional information about your products, while new customers are introduced. A solid blog can increase traffic and generate leads that could lead to 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. Uploading a photo to a blog post will display it in the recommended 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. With a quick search on the internet, you will find plenty of tutorials to do some basic coding.
> > Click Here to Check Out Kajabi < <
Text wrapping is another thing you should be concerned about. Without HTML, you cannot change the way text wraps around images in your blog.
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. 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. The tags don’t show up as suggestions, unlike other blogs that allow you to refer to past tags.
It can be a hassle to remember the tag you used, or to put it on a separate list for each blog post. Kajabi +Amazon Affiliate
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. We will be discussing a few of these features in this section.
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 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. There are suggestions if you don’t know where to start.
Kajabi provides blueprints to help you start your pipelines. The blueprint you choose will help you set up funnels including landing pages, email automation and offers. 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. You and your partners will be able to market your products and the program together. 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. Depending on your schedules, you can launch email marketing campaigns quickly. 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. This freedom is not available in many other options.
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. 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. Kajabi +Amazon Affiliate
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. Click on the Offers tab to the left and select ‘Add New Offer’.
They can be sold individually or packaged together. Once you make a new deal, you will receive a prompt to enter the title offers, product, and cost. Now, you will only be able to choose one product, but there will be some options for you to choose from in terms of bundles and payment options on the following pages. You can also choose the currency for your product’s pricing.
You have several options if you’re concerned about people not being financially able to pay for your course.
- Free
- One-time Payment
- Multiple Payments
- Recurring Payments
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.
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. \Most people would probably hesitate to use the platform because of its price.
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. Prices are higher than competitors due to the large suite of tools. 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. Kajabi +Amazon Affiliate
> > Click Here to Check Out Kajabi < <
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. Although Kajabi has excellent customer care, you would need to limit your queries to office times. Unlike with the higher plans, they have access to a 24/7 live chat with customer support.
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.
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 – 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 – Automation, as previously said, makes it easy for you to follow up with your students. The system then uses a prompt to automatically send out the predetermined response. If a student is falling behind on examinations, for example, you can send them an automatic email with extra course materials. There’s no need for you to manually follow their progress.
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.
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. Kajabi +Amazon Affiliate
You could schedule billing monthly for $399 or yearly for $319 if you picked Kajabi’s Pro Plan. Take notice that this is a significant investment that you must consider. This is the option that most large firms or those with a large number of courses to sell pick. But if you are just starting or your business does not warrant the need for a Pro Plan yet, then I would suggest the other two plans. Just my two cents in. You would still get to enjoy a lot of what Kajabi has to offer on the budget you set.
Moving to Kajabi
If you’re not new to course creation, you’ve probably utilized various platforms. It’s fantastic that you’re still researching company choices and looking for ways to improve. If you have decided to move to Kajabi, another concern would be how to move all of your data into the platform.
Not to worry, though. Fortunately, you can simply import your members’ names and email using a .csv file. But, you can only do this 500 members at a time. So it would require you to do multiple importations if needed.
Another thing to note is that your members will have to reset their passwords due to a security issue. This is good news for you and your members. Kajabi takes your business’ security seriously. This means that other platforms will not have access to their information once the move is made.
Conclusion
Kajabi is a popular choice for many creators, and it has a lot to offer to your business for the price you choose to pay. It has excellent support, a well-integrated system, and is highly beginner-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, 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. Kajabi +Amazon Affiliate
Frequently Asked Questions: Kajabi +Amazon Affiliate
-
What does Kajabi mean?
- According to its founders, it is an aboriginal word that means “to take flight.”
-
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.
-
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.
-
Is Kajabi easy to use?
- Yes. Kajabi is easy to use. In fact, because of this, thousands of course creators have it as their platform of choice.
-
Is Kajabi accessible via a mobile app?
- Yes. Your students have the convenience of accessing Kajabi via a mobile app. It is available in both iOS and Google Play.
-
Can you use your domain?
- Yes. You may establish a custom domain using Kajabi’s branding with the Basic Plan (yourdomaintitle.kajabi.com). 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.
-
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.