Kajabi started as a simple idea of Kenny Reuter wanting to begin a side business teaching people to make toys online. He was not passionate about teaching online but he was passionate to make it easier for people who wanted to share their knowledge online.
It was easy to see the vision. 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.
Kajabi is a popular online course creator. It is one of the most popular online learning platforms today. Since its launch in 2010, Kajabi grew to become the powerhouse that it is today. It has empowered thousands to escape the jobs that no longer fulfill them and help them realize their dreams.
This overview will provide a basic understanding of Kajabi. These include marketing, pricing, online course creation, and much more. With this, you will have a good idea of what you will get should you choose Kajabi as your platform.
For those of you who prefer a more visual experience, here is a video review from Lane Sebring’s YouTube channel. To get a comprehensive overview of Kajabi, you may still want to check out our article below.
General Overview Kajabi Course Descriptions Premier Theme
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
- Uses Wistia 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. 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. We will discuss them later in this review.
Once you have selected a plan, you can easily set up your account and upload your content. You can upload your video lectures, give lesson titles and descriptions using the lesson editor.
You can easily complete assessments by simply typing the questions and selecting the options (if you’ve chosen the multiple-choice option).
Assuming this is all done, you’re now ready to market your products. In Kajabi, you can build pipelines. You can use these mechanisms to increase conversion rates and turn prospects into potential students through efficient marketing channels. You can add landing pages, freebies that get leads to enter their email addresses, video marketing, and so on.
When the prospect becomes a student, you can process payments through the site. All without having to leave Kajabi. Kajabi Course Descriptions Premier Theme
Now, some features make Kajabi an almost “all-in-one” platform. These features will be discussed in the next sections. Kajabi is able to compete with most online courses platforms, thanks to the many features and benefits it provides.
Why should you choose Kajabi:
You want to maximize your investment as an entrepreneur. Kajabi can help you market valuable content. It includes what you need to jumpstart your business, keep it running and growing.
It’s more than simply uploading course content and waiting for students sign in. It requires you to build out a curriculum, develop assessments or goals for your students, design your course website, and market it to your target audience. Kajabi allows you to do all of these things and more.
- Build a website
- Make course offerings
- Keep track of student progress
- Manage subscriptions/payments
- Run email marketing campaigns
Kajabi’s price is one thing that has been criticized. 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.
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.
If you are a professional looking for ways to market your knowledge, Kajabi is the right choice. It’s a powerful all-in-one solution for creating, marketing, and selling online courses.
Kajabi: A Beginner-Friendly Tool
Not all great teachers are technologically inclined enough to share their knowledge and information online. The process can be complicated and confusing, even for those who are willing to learn. 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. Even without learning how to code, you will be able to create an online business in no time with Kajabi through its drag-and-drop editor.
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Almost “all-in-one”
Kajabi can be used for most things, with the exception of a few features that are still being developed by developers. You don’t need to spend too much time trying to find the right extensions or plug-ins. Imagine, one update could cause these plug-ins to disrupt your business processes.
If you want to save yourself the headache, Kajabi already has excellent tools for creating landing pages and sales funnels and converting visitors into customers. This platform allows you to create courses and market them. You can provide coupons for discounts to entice your potential students, follow-up leads, and handle payments without leaving the Kajabi website.
As a busy entrepreneur with not a lot of free time on my hands, I enjoy the email marketing and funnel creations of Kajabi. I could easily automate follow-up sequences, and it’s effortless to do too. Kajabi Course Descriptions Premier Theme
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 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. 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. 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. 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
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. Kajabi Course Descriptions Premier Theme
The Growth and Pro Plan gives you access to the Kajabi customer service team 24/7 via live chat.
Although, if you opt for the Basic Plan, the staff will only be available on Mondays to Fridays from 9 am to 7 pm. 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.
If you’re not confident in your computer skills, the more expensive plans can be worth it. The other two Kajabi plans offer around-the-clock access to support, while the Basic Plan does not.
How to use Kajabi:
Creating a Class:
Course creation in Kajabi is fast, efficient, 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 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 allows you to keep your product advertised and constantly making 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
- 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 provides video hosting for Kajabi, and it is great because you can upload in bulk too. Kajabi Course Descriptions Premier Theme
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.
You can upload multiple videos at once without worrying about bandwidth. All Pricing Plans at Kajabi include 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.
Once your files have been uploaded, Kajabi can automatically transform these uploads into articles that you can edit later on. This saves you the hassle of going through the posts and uploading videos one by one.
With Wistia being the video host, your subscription will be worth it. A standalone Wistia subscription can set you back at $99 per month. If you take a look at the cost, with $20 more, you can already get Kajabi’s Basic Plan at $119/year with its features. This is a great bargain.
Assessments
Assessments can be a great tool to measure student engagement and learning. Students can gauge their understanding of the material by seeing how they do with lessons. This can motivate them to work harder. This feature can be used to receive feedback from students on your products, and for content locking.
It takes less than two minutes. Open the People tab in the Dashboard to create assessments. Choose Assessments and then +New Assessment and finish the prompt to begin customizing.
One of the coolest features is the ability to set it to automatically send additional materials to students if they fail to complete their assessments.
There are some limitations. First, I have observed that the user cannot include both a video and an assessment under the same category.
Second, it does not allow users to randomize the questions or have question banks. It does however support assessment such as multiple-choice and paragraph-style questions.
Students can also upload files to be checked through the assignment submission feature.
Photos
You can upload a poster photograph for your lessons. Pictures help to set the tone for your website and give your students a visual preview.
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.
To create these certificates, you would have to rely on third-party services like Canva, Google Slides, Accredible, or SmartDraw.
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 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
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. 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 can choose to add a description or even a transcript for your videos. Some students prefer to read transcripts rather than watching entire videos when they review.
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 Course Descriptions Premier Theme
Student Interactions
Community
With eLearning, it would be great for platforms to provide an avenue where students and members can engage with each other and discuss subjects in their course materials, similar to how they would do if they were in a traditional classroom setting. Over the years, some have utilized Facebook groups, but that would require you to join Facebook and apply for the group membership.
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.
Your Community can be protected with a paywall so that patrons have 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. You can also buy access to the discussions for those who don’t want to purchase the whole course.
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 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
Kajabi allows you to choose how your students will receive your courses. You can either allow them to receive all the classes and resources at once, drip-feed them on a schedule, or lock your content. The last one tends to increase student engagement as there is a requirement to finish the lesson first before accessing the next one. Kajabi Course Descriptions Premier Theme
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.
When you drip-feed your content, you can keep your student interested in returning to your page to check for new content. 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. You can end your lessons with an assessment to be completed. This way, they increase their participation, and you can keep track of their progress in understanding lesson materials.
Course Analytics
Kajabi prides itself on providing the best tools to help entrepreneurs handle their business with the course analytics. What it does is create heatmaps and video stats. Through it, you will get insights on which aspects of your courses are doing well and which ones need to improve on.
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. 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
The data you receive here is the average percentage of the whole video that your students watched. Since some students prefer to skip some segments of the video, you can get an idea of how well you can keep your students engaged in what you need to say.
Visual Engagement Viewer
With this comes a graphical overlay in your video. 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 displays a report on your students’ engagement with specific parts of the video. There is usually a downhill trend in which people stop watching the video at the beginning of the outro.
Viewer Heatmaps
Now just because your students opened your videos does not mean that they are watching them. They could have kept it running in the background while they do something else, in the guise of multi-tasking. Kajabi Course Descriptions Premier Theme
The Viewer Heatmap allows you to see which parts of the viewers are not interesting to your students, and which ones they have viewed repeatedly. It could mean that these are parts that they found interesting or they found difficult. This meant that they needed to watch the video again to make sure they understood what was going on.
You can trust that Kajabi will provide you with a valuable array of analytic tools to better your content. Your data can be used to create a strategy that will guide your business decisions.
Blogging
A strong blog can do wonders for promoting your business. Current students can receive updates and more information about your products and services while new customers are introduced to them. 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. Despite its limitations, Kajabi’s ability to store everything in one place makes up for them.
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. 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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Another thing that would probably concern you is text wrapping. You cannot edit the way the text wraps around a picture in the body of your blog unless you deal with the HTML.
Kajabi does not have an image bank. If you wanted to add a photo that you have previously used in other articles, you would need to upload it from your computer or sites like Google Drive again. Hopefully, Kajabi will focus on these things in their subsequent updates.
Tagging
Kajabi has many great features. However, I find it frustrating that I can’t pick the tags I want to use in my posts. Unlike in other blogs where you can easily refer to previous tags, the tags themselves don’t appear even as suggestions when you type them down.
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. Kajabi Course Descriptions Premier Theme
Marketing Tools
These are Kajabi’s most important support for its customers. Kajabi is built to sell. With so many marketing features, your business will be in safe hands. You have pipelines, automation, and so much more. In this section, we will discuss a few features.
Pipelines
Kajabi has a pipeline built into platforms that will simplify sales and marketing. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. Depending on what Price Plan you chose, you can have 3, 15, or 100 pipelines.
Kajabi will 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. It becomes easier for you to give them the agreed-upon commission. A private dashboard will be available to you. It will allow you to see statistics about clicks and conversions as well as other relevant data that can be used to market your business.
Automation
Email Marketing
Kajabi is your business made easy. Depending on your schedules, you can launch email marketing campaigns quickly. This feature allows you to decide on the sequence of the mails, add multiple emails to be sent out in the set sequence, and upsell additional offers. Templates are also available to fit your email’s purpose. 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.
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. Kajabi Course Descriptions Premier Theme
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.’
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.
If you are worried about people not being able to afford your course, you can set it up in multiple ways:
- Free
- One-time Payment
- Multiple Payments
- Recurring Payments
You can also generate coupon codes, bulk coupons codes and special offers to apply to your coupon from this page.
Payment Methods
Kajabi uses Stripe or Paypal to process payments. You will be able to customize checkout and create flexible payment options for your 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.
Well, one thing I can say is that it is an investment that keeps on giving. Kajabi is not just a course-building platform. While pricing may be cheaper for other platforms, you may end up paying for three or more different tools for email services, blogs, and sales pipelines. All of these come with your Kajabi subscription. 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.
All three pricing plans offer unlimited bandwidth, unlimited video hosting via Wistia, and 0% transaction fees. It also has chat support and assessment features.
Below is a detailed breakdown of each pricing plan to see how they differ. Kajabi Course Descriptions Premier Theme
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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
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. 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.
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.
We understand that you are not in the business solely to make money as a creator. You want your products to be worthwhile. This is beneficial from a business standpoint since if consumers are getting their money’s worth, they are more inclined to return for more. It’s a win-win situation for both parties.
Pro Plan
{This is the priciest plan Kajabi has to offer. But it does come with some pretty neat features. You can market up to 100 products, handle 3 sites and at most, have 20,000 members. Because of the number of courses you can market, you can have 25 admin users to help you manage. You also have access to round-the-clock customer support.|This is the most expensive plan offered by Kajabi. It does, however, have some interesting features. You can sell up to 100 products, manage three websites, and have a maximum of 20,000 members. You can have up to 25 admin users to assist you in regulating the amount of courses you can market. You also get access to customer service 24 hours a day, 7 days a week.
These features plus all features you would enjoy from both Basic and Growth Plans are included. While there are unlimited landing pages, the advertising emails are limited to two million.
Access to the Experts Academy is included as part of the Pro Plan. More information on how to sell your brand can be found there. Kajabi Course Descriptions Premier Theme
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 previously said, Kajabi’s goal is to assist you streamline and profit from your business processes in one place. It gives you the advantage to take your products to new heights thanks to its numerous marketing capabilities.
Now that you’ve read this review, you have a better understanding of the advantages and disadvantages of using Kajabi. Overall, I believe Kajabi is an excellent tool for managing your business, from conception to marketing. Kajabi Course Descriptions Premier Theme
Frequently Asked Questions: Kajabi Course Descriptions Premier Theme
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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 depends on your business needs and how you can optimize Kajabi’s features. Kajabi is well known for being user-friendly and having a variety of built-in integrations for smoother business processes. You also receive excellent support.
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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.