Kajabi was originally an idea by Kenny Reuter, who wanted to start a side-business teaching people how 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. 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 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. 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 Kajabi Deadline Funnel Integrations
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
- Wistia is used as a video host
Cons
- Kajabi pricing is higher than average prices
- Students cannot be issued custom certificates of completion by users on the platform.
- Assessment customization is limited.
What is Kajabi?
Kajabi, in a nutshell, is an online course platform that allows its users to take care of their business using only one site. From course creation to marketing and so much more, Kajabi will take care of it for you.
How does Kajabi work?
Kajabi is built to sell. It boasts how simple it is to use. 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. You can upload your video lectures, give lesson titles and descriptions using the lesson editor.
Assessments are easily done by typing the questions and giving options (if you have chosen the multiple-choice type ).
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 this without leaving Kajabi. Kajabi Deadline Funnel Integrations
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 choose Kajabi?
As an entrepreneur, of course, you would want to make sure that you make the most out of your investment. If you have valuable content that you would like to market, Kajabi provides excellent support for your needs. It includes what you need to jumpstart your business, keep it running and growing.
The business is more than just uploading your course content and waiting for students to sign in. It requires you to build out a curriculum, develop assessments or goals for your students, design your course website, and market it to your target audience. 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
Kajabi’s price is one thing that has been criticized. It is more expensive than other alternatives, but that’s okay. This eliminates the need to purchase expensive plug-ins and saves you time. You also have to figure out how to make the plug-ins seamlessly work together. This takes time, effort, and money. All of which could be avoided under one single platform.
Platforms that are well-designed consider what their users need and want. These platforms 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
Not all great teachers are technologically inclined enough to share their knowledge and information online. Even with the willingness of some to learn, the process can be complex and confusing too. Kajabi creators created the platform so that it is accessible and easy to understand even for those with problems with computer work.
It uses a visual layout which makes it easy to use and intuitive. 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.
> > Click Here to Check Out Kajabi < <
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. Kajabi Deadline Funnel Integrations
Overall, Kajabi fulfills more than other platforms can do with what it offers.
Tutorials
For people who are complete beginners, there could be some doubt on the truthfulness of this “easy-to-use” claim. But they will be pleasantly surprised to find out that it is indeed true.
Kajabi offers a lot of support to its users. 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.
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.
Third, one unique feature about the onboarding process is the 28-day “Hero Challenge.” It is essentially a month-long crash course to help you get your website launched and your business making its first sale. This challenge will teach you everything about the platform and give you strategies to market your products.
Kajabi offers one of the best customer service in the industry. Now, if you have the Growth or Pro Plan, you get access to 24/7 round-the-clock customer chat support. Customer chat support is only available during business hours for Basic Plans. Despite this, the support team responds very quickly. So far, I have not had any problems with how they handle things.
Kajabi also offers a rewards program that provides incentives to creators who achieve their revenue goals and includes 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 Deadline Funnel Integrations
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. 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.
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
- A mini-course contains lesser material than the Online Course, but it is pretty easy to complete. This can be used to gauge customer interest as well as build your brand’s value.
- Online course
- From short workshops to seminars to lectures about your area of expertise, these are full-blown courses that your students can avail.
- Evergreen Training
- The Evergreen Course will help you keep your product in front of people and make sales. Essentially, after you launch it, it will keep creating passive income for you. 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.
> > 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 many file types. You can add audio, video, pdf and text files to your lessons. Wistia provides video hosting for Kajabi, and it is great because you can upload in bulk too. Kajabi Deadline Funnel Integrations
How to Upload Your Content
Videos
Kajabi offers built-in streaming via Wistia as an 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.
You can upload multiple videos at once without worrying about bandwidth. In all the Pricing Plans of Kajabi, you are provided with unlimited bandwidth. You can choose to upload from your computer, Dropbox, Google Drive, or by URL links. However, take note that it would not accept URLs from Youtube or Vimeo as the uploader looks for the file type in the URL.
After your files are uploaded, Kajabi will automatically convert them into articles you can edit later. This saves you the hassle of going through the posts and uploading videos one by one.
Now, with Wistia as the video host, rest assured that alone makes your subscription worth it. Wistia standalone subscriptions can cost $99 per month. You can get Kajabi’s Basic Plan for $119/year if you add $20. This is a great bargain.
Assessments
Assessments are great tools to gauge student learning and engagement. Students can gauge their understanding of the material by seeing how they do with lessons. It can also aid in motivating them to work harder. 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. Select Assessments, then +New Assessment, and follow the prompt to start customizing.
One of the coolest features is the ability to set it to automatically send additional materials to students if they fail to complete their assessments.
There are some limitations. First, I have observed that the user cannot include both a video and an assessment under the same category.
It does not support randomizing questions, nor 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.
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.
To create these certificates, you would have to rely on third-party services like Canva, Google Slides, Accredible, or SmartDraw.
Personally, I do not mind this for my business, but some would find it a minor hassle.
Another thing, Kajabi does not indicate the amount of time spent studying the courses or any continuing education credit. This is a major problem for those who want to use eLearning to earn credit. This should be something that Kajabi creators ought to seriously consider.
Downloads
Even if we call it online students, some do not necessarily stay online for the whole duration of the course. 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 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 Deadline Funnel Integrations
Student Interactions
Community
It would be wonderful for eLearning platforms to allow members and students to interact with one another and discuss topics in their course materials. This is similar to what they would do in a classroom setting. Some have used Facebook groups over the years. To join the group, you will need to be a member of Facebook.
Conveniently, you do not need to exit Kajabi to interact with your students and with each other. Kajabi offers a fully integrated feature called Community. This is one of their tools for student engagement.
You can even set your Community behind a paywall for patrons to gain access. This Community will allow you to directly address student queries and give students the chance to do the same with each other.
Because you can make the Community available as a standalone product. Those who are not too keen on purchasing the entire course could just buy access to the discussions.
Organizing Your Topics
One problem that forums have is the lack of organization. It may be hard for both the creator and the students to keep track of specific topics. This is something I noticed in many Facebook groups. This makes it hard to listen to your audience and understand 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, Kajabi’s Community feature is a significant advantage over its competition. It is beneficial for entrepreneurs with an online course business.
> > Click Here to Check Out Kajabi < <
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 Deadline Funnel Integrations
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. 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
Content locking forces your student to finish a lesson before they can gain access to the next one. 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 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.
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. 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. Information presented in text blocks is not the best way to process it. I prefer to have my data presented in graphic form.
The Visual Engagement Viewer 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
Your students may not be watching your videos just because they opened them. They could have kept it running in the background while they do something else, in the guise of multi-tasking. Kajabi Deadline Funnel Integrations
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. This could indicate that the students found these parts interesting or difficult. This meant that they needed to watch the video again to make sure they understood what was going on.
Kajabi can provide valuable analytic tools that will help you improve your content. Your data can be used to create a strategy that will guide your business decisions.
Blogging
Strong blogs can make a big difference in promoting your company. Students can get updates and additional information about your products, while new customers are introduced. Having a solid blog boosts traffic for you and generates leads that would transform visitors into potential students.
Admittedly, Kajabi has plenty to improve on in this feature. 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.
You will need to learn basic programming to personalize your Kajabi blog’s photos. Uploading a photo to a blog post will display it in the recommended size. Kajabi works with HTML. To change certain dimensions, you would need to play with HTML. This isn’t too difficult. With a quick search on the internet, you will find plenty of tutorials to do some basic coding.
> > Click Here to Check Out Kajabi < <
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.
Lastly, there is a lack of an image bank in Kajabi. You would have to upload a photo you’ve used previously in another article. These are the things Kajabi will hopefully focus on in his subsequent updates.
Tagging
Kajabi has many great features. However, I find it frustrating that I can’t pick the tags I want to use in my posts. The tags don’t show up as suggestions, unlike other blogs that allow you to refer to past tags.
It can be a hassle to remember the tag you used, or to put it on a separate list for each blog post. Kajabi Deadline Funnel Integrations
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. 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. 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. 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. 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
A disclaimer here: the affiliate program is only available with the Growth and Pro Plans. 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. In it, you can see statistics of clicks, conversions, and other pertinent data to help you market your business.
Automation
Email Marketing
Kajabi makes it easy to start your own business. You can quickly launch email marketing campaigns depending on the schedules you have set. This feature 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.
Suppose a visitor adds something to their cart but has not yet decided to make the purchase final; you can set up Kajabi to send an email to remind them of your offer. This allows you to track sign-ups automatically from your email campaigns. Just relax and see the improvement in your conversion rates.
You can also use Kajabi to integrate with other email platforms.
Marketing Partners
You can run your business under one platform, and Kajabi’s integrations help make that happen. Currently, Kajabi has 10 native integrations. To name a few, it has ConvertKit, Aweber, MailChimp, and Active Campaign. Kajabi Deadline Funnel Integrations
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.
Once you have determined the price, Kajabi gives a simple method for pricing your products. Head over to the Offers tab found on the left side and click ‘Add New Offer.’
They can be sold individually or packaged together. 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
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. This comes with the convenience of not paying for transaction fees as Kajabi does not charge you. However, you will have to pay for the costs of its payment methods partners.
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.
It is also easier to request refunds. Kajabi makes it easy to request refunds from the site without leaving it.
Kajabi Pricing
Kajabi’s pricing may appear to be higher than that of other sites as previously stated. \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. Because of the extensive tool set, prices are greater than those of competitors. But, Kajabi still provides the best value for money out of all other platforms.
Unrestricted bandwidth, unlimited Wistia video hosting, and 0% transaction fees are included in all three pricing plans. It also has chat support and assessment features.
To check how the plans differ, below is a thorough discussion of each pricing plan. Kajabi Deadline Funnel Integrations
> > Click Here to Check Out Kajabi < <
Basic Plan
The lowest-priced plan starts at $149 monthly. You will only have to pay $119 if you are billed annually.
The basic plan is the most affordable option. However, you are limited to having only 3 products, 1 website, 3 sales pipelines, and around a thousand members. The Kajabi logo branding will remain on all products.
However, landing pages and marketing emails are unlimited. 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
For $50 more, you can upgrade to this tier and get five times more courses. The monthly payment sets you back $199, but if billed annually, it will cost only $159.
Fortunately, though, even the basic pricing plan has a lot of features to play with. Most plans have the same basic suite of functions, but they scale according to the pricing plan. For example, the Basic plan only allows for 3 products and 3 pipelines, while the Growth plan allows for 15 products and 15 pipelines. So when you buy a higher-tier plan, you are not paying for new functions but expanding the ones you already have. Kajabi also doesn’t charge a transaction fee for any sales made on the site.
You can build new goods, pipelines, and members at the second level. White-labeling, affiliate marketing, and automation are just a few more reasons to acquire this plan.
- White-labelling – With this, you can remove Kajabi branding from your website and fully make it your own.
- Affiliate advertising – A popular online sales tactic. Through your affiliates, your products will receive a wider reach. Your affiliates will receive commissions for recommending your products to their audiences.
- Automation – As discussed earlier, automation makes it easier for you to follow up with your students. With this, the system automatically sends out the programmed response through a prompt. For example, if a student is lagging on assessments, you can set an automated response of an email with supplemental course materials for them. No need for you to keep track of their progress manually.
We understand that you are not in the business solely to make money as a creator. You want your products to be worthwhile. This is beneficial from a business standpoint since if consumers are getting their money’s worth, they are more inclined to return for more. It’s a win-win situation for both parties.
Pro Plan
{This is the priciest plan Kajabi has to offer. But it does come with some pretty neat features. You can market up to 100 products, handle 3 sites and at most, have 20,000 members. Because of the number of courses you can market, you can have 25 admin users to help you manage. You also have access to round-the-clock customer support.|This is the most expensive plan offered by Kajabi. It does, however, have some interesting features. You can sell up to 100 products, manage three websites, and have a maximum of 20,000 members. You can have up to 25 admin users to assist you in regulating the amount of courses you can market. You also get access to customer service 24 hours a day, 7 days a week.
These features plus all features you would enjoy from both Basic and Growth Plans are included. While there are unlimited landing pages, the advertising emails are limited to two million.
Access to the Experts Academy is included as part of the Pro Plan. More information on how to sell your brand can be found there. Kajabi Deadline Funnel Integrations
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 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
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, 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 Deadline Funnel Integrations
Frequently Asked Questions: Kajabi Deadline Funnel Integrations
-
What does Kajabi mean?
- According to its founders, it is an aboriginal word that means “to take flight.”
-
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.
-
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). 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.
-
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.