Kajabi started as a simple idea of Kenny Reuter wanting to begin a side business teaching people to make toys online. Although he was not that passionate about teaching people online, he was passionate about making it easier for people to sell their knowledge online.
It was easy to see the vision. Kajabi founders Kenny Rueter and Travis Rosser knew they wanted to help people monetize their knowledge and premium digital content online. 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 widely used online learning platforms. Kajabi has grown to be the online learning platform it is today since its inception in 2010. 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. This will give you a clear idea of the benefits you’ll get if you choose Kajabi.
For those of you who prefer a more visual experience, here is a video review from Lane Sebring’s YouTube channel. Do check out our article below, however, because it has a comprehensive overview of Kajabi.
General Overview What Merchant Accounts Does Kajabi Use
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
- 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. You can start by purchasing a plan. You have three options: Basic, Growth, and Pro. 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. 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. You can create pipelines in Kajabi. 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 this without leaving Kajabi. What Merchant Accounts Does Kajabi Use
Now, some features make Kajabi an almost “all-in-one” platform. These features will be discussed in the next sections. But, Kajabi can go head-to-head and over most online course platforms with the features and benefits it offers.
Why choose Kajabi?
As an entrepreneur, of course, you would want to make sure that you make the most out of your investment. If you have valuable content that you would like to market, Kajabi provides excellent support for your needs. It includes what you need to jumpstart your business, keep it running and growing.
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
- 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. You also have to figure out how to make the plug-ins seamlessly work together. This takes time, effort, and money. All this could be avoided by using one platform.
Good platforms think of what their users want and need. These platforms will provide valuable tools for creating sales pages, emailing your students, and doing all sorts of marketing activities.
If you are a professional looking for ways to market your knowledge, Kajabi is the right choice. 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.
The platform utilizes a visual layout that makes it intuitive and super simple to use. 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 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. You can create and market courses using this platform. To entice students to your courses, you can offer discounts, follow up leads, and manage payments from the Kajabi website.
As a busy entrepreneur with not a lot of free time on my hands, I enjoy the email marketing and funnel creations of Kajabi. I could easily automate follow-up sequences, and it’s effortless to do too. What Merchant Accounts Does Kajabi Use
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. First, the Kajabi Assistant Bar provides access to a lot of searchable tutorials. Just head to the top and enter any query. It will show you related tutorials.
Second, under the Kajabi University, you can check out a catalog of tutorials and videos to get you started with creating and developing your business. Some of these topics cover creating your online courses, marketing your products on social media and other platforms, and setting up payments.
These tutorials 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.
If your queries aren’t answered, Kajabi has one of the best customer support out there. Now, if you have the Growth or Pro Plan, you get access to 24/7 round-the-clock customer chat support. Customer chat support is only available during business hours for Basic Plans. Despite this, the support team responds very quickly. I have had no problems so far with their handling of 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. What Merchant Accounts Does Kajabi Use
With the Growth and Pro Plan, you can access the 24/7 Kajabi customer support team 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. This can be used to gauge customer interest as well as build your brand’s 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. Essentially, after you launch it, it will keep creating passive income for you. 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.
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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. What Merchant Accounts Does Kajabi Use
How to Upload Your Content
Videos
Kajabi provides built-in streaming through Wistia as a video host. There will be an icon that you can spot immediately, and it will ask you to upload either a video or an assessment.
As mentioned earlier, you will be able to upload your videos in bulk without worrying about bandwidth. In all the Pricing Plans of Kajabi, you are provided with unlimited bandwidth. Uploads can be made from your computer, Dropbox or Google Drive. You can also upload via URL links. It will not accept URLs from Youtube and Vimeo. The uploader searches for the file type in URLs.
Once your files have been uploaded, Kajabi can automatically transform these uploads into articles that you can edit later on. This eliminates the need to go through each post and upload videos one at a time.
With Wistia being the video host, your subscription will be worth it. A standalone Wistia subscription can set you back at $99 per month. You can get Kajabi’s Basic Plan for $119/year if you add $20. This is a great bargain.
Assessments
Assessments can be a great tool to measure student engagement and learning. When they can see how well they are doing with their lessons, the students can determine whether or not they understand the course material. This can motivate them to work harder. 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.
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. Having pictures help set the tone of your website and gives your student a visual preview of what you have to offer.
Click on the Pick File button to upload images.
Certificates
I would consider Kajabi as an almost “all-in-one” platform because of its inability to natively provide certificates to students who complete the courses. While Kajabi does allow creators to give out certificates of completion, you cannot make them onsite.
These certificates can only be created using third-party services such as Canva, Google Slides and Accredible.
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. Some students download course materials and complete 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.
Your students will be able to download whatever material you place there while they are on that specific 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. What Merchant Accounts Does Kajabi Use
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.
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.
Your Community can be protected with a paywall so that patrons have access. This will enable you to address student questions directly and allow students to share their experiences with one another.
Because 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
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.
Kajabi allows the administrator to organize and reorganize feeds. They can sort the posts by topic and also ‘pin’ specific posts for better viewability.
Overall, Kajabi’s Community feature is a significant advantage over its competition. This feature is very beneficial to entrepreneurs who run an online school.
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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. What Merchant Accounts Does Kajabi Use
Dripping Course Content
Instead of giving your students everything at once, drip-feeding your courses can be an option.
When you drip-feed your content, you can keep your student interested in returning to your page to check for new content. Second, this will prevent them from jumping too far ahead and skipping possibly essential parts of your 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 is proud to offer the best tools for entrepreneurs to manage their businesses 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
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. This is a great feature for visual learners like me. Information presented in text blocks is not the best way to process it. I prefer having my data in graph form.
The Visual Engagement Viewer presents a report of your students’ engagement in specific points of the video. There is usually a downhill trend in which people stop watching the video at the beginning of the outro.
Viewer Heatmaps
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. What Merchant Accounts Does Kajabi Use
With the Viewer Heatmap, you can now check which segments of the viewers were not that interesting to your students and which parts they repeatedly watched. This could indicate that the students found these parts interesting or difficult. Thus, there was a need to rewatch to review.
Kajabi can provide valuable analytic tools that will help you improve your content. The best thing to do with your data is to help you develop a strategy to 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.
Admittedly, Kajabi has plenty to improve on in this feature. 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. Of course, this is not too much of a problem. You can find many tutorials for basic coding by doing a quick internet search.
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Text wrapping is another thing you should be concerned about. 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
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.
It can be a hassle to remember the tag you used, or to put it on a separate list for each blog post. What Merchant Accounts Does Kajabi Use
Marketing Tools
These are Kajabi’s most vital support for its users. Kajabi is built to sell. Your business will be safe with so many marketing tools. You have pipelines, automation, and so much more. In this section, we will discuss a few features.
Pipelines
Kajabi has developed a platform that makes it easy to sell and market. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. 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 offers some blueprints for its pipelines so that you do not need to start from scratch. Your chosen blueprint will guide you through the setup of funnels, including landing pages, email automation, offers, and much more. This template was carefully crafted by Brendon Burchard, one of the world’s leading high-performance coaches.
With the Pipeline Stats feature, you can monitor the progress of your marketing plans and use it to evaluate the areas that are lagging. This feature allows you to see each page and email of the pipeline and data on your earnings per view.
Affiliate Program
A disclaimer here: the affiliate program is only available with the Growth and Pro Plans. Now, you and your partners can efficiently market your goods and with the program. You can now give your partners the agreed-upon affiliate commission much easier. A private dashboard will be available to you. It will allow you to see statistics about clicks and conversions as well as other relevant data that can be used to market your business.
Automation
Email Marketing
Kajabi is your business made easy. 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. Not a lot of alternatives offer this much freedom.
Suppose a visitor adds something to their cart but has not yet decided to make the purchase final; you can set up Kajabi to send an email to remind them of your offer. With this, you do not have to manually track the number of sign-ups from your email campaign. Just relax and see the improvement in your conversion rates.
Of course, if you choose to use other email platforms, you will find that you have many options Kajabi can integrate with.
Marketing Partners
You can run your business under one platform, and Kajabi’s integrations help make that happen. Currently, Kajabi has 10 native integrations. To name a few, it has ConvertKit, Aweber, MailChimp, and Active Campaign. What Merchant Accounts Does Kajabi Use
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. Head over to the Offers tab found on the left side and click ‘Add New Offer.’
You can sell them individually or package them as a set. After you create a new deal you will be prompt to enter title offers, product and cost. You will now only be able choose one product. However, there will be many options available for bundles and payment options. You can also choose the currency for your product’s pricing.
If you are worried about people not being able to afford your course, you can set it up in multiple ways:
- Free
- One-time Payment
- Multiple Payments
- Recurring Payments
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. However, you will have to pay for the costs of its payment methods partners.
Partnering with Paypal makes it easy to pay affiliates via Paypal Mass Pay. This includes an exported list of all sales.
It is also easier to request refunds. Kajabi makes it easy to request refunds from the site without leaving it.
Kajabi Pricing
As mentioned earlier, Kajabi’s pricing can seem higher than other platforms. \Most people would probably hesitate to use the platform because of its price.
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.
To check how the plans differ, below is a thorough discussion of each pricing plan. What Merchant Accounts Does Kajabi Use
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Basic Plan
The lowest-priced plan starts at $149 monthly. You will only have to pay $119 if you are billed annually.
The basic plan is the most affordable option. 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. 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
For $50 more, you can upgrade to this tier and get five times more courses. The monthly payment sets you back $199, but if billed annually, it will cost only $159.
Fortunately, though, even the basic pricing plan has a lot of features to play with. Most plans have the same basic suite of functions, but they scale according to the pricing plan. For example, the Basic plan only allows for 3 products and 3 pipelines, while the Growth plan allows for 15 products and 15 pipelines. As a result, when you purchase a higher-tier plan, you are not paying for new features, but rather for the expansion of existing ones. In addition, Kajabi does not charge a transaction fee for any sales made on the platform.
The second level allows you to create more products and pipelines as well as members. More reasons to get this plan: white-labeling, affiliate marketing, and automation.
- White-labelling – This allows you to remove the Kajabi branding from your website and completely customize it.
- 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.
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. What Merchant Accounts Does Kajabi Use
If you chose Kajabi’s Pro Plan, you could set billing monthly for $399 or yearly for $319. Take note, this is a massive investment that you would need to consider. Most big companies or those with a good amount of courses to sell choose this option. But if you are just starting or your business does not warrant the need for a Pro Plan yet, then I would suggest the other two plans. Just my two cents in. You would still get to enjoy a lot of what Kajabi has to offer on the budget you set.
Moving to Kajabi
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. What Merchant Accounts Does Kajabi Use
Frequently Asked Questions: What Merchant Accounts Does Kajabi Use
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What does Kajabi mean?
- According to its founders, it is an aboriginal word that means “to take flight.”
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Is Kajabi free?
- Currently, Kajabi does not offer a free plan. However, it provides a 14-day trial for you to try out its features.
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Is Kajabi worth the money?
- This is dependent on your business requirements and how you can make the most of Kajabi’s features. Kajabi is well-known for being user-friendly and for having a number of built-in integrations that help streamline business processes. You also receive excellent support.
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Is Kajabi easy to use?
- Yes. Kajabi is easy to use. In fact, because of this, thousands of course creators have it as their platform of choice.
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Is Kajabi accessible via a mobile app?
- Yes. Your students have the convenience of accessing Kajabi via a mobile app. It is available in both iOS and Google Play.
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Can you use your domain?
- Yes. You may establish a custom domain using Kajabi’s branding with the Basic Plan (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.