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.
If you’re an online course creator, you have probably heard of Kajabi before. 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 helped thousands of people escape from jobs that don’t suit them anymore and have enabled them to realize their dreams.
This overview will provide a basic understanding of Kajabi. These include marketing, pricing, online course creation, and much more. 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 Include Content From Other Teachers?
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 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. 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.
Once the prospect is enrolled as a student, payments can be made through the site. All without having to leave Kajabi. Kajabi Include Content From Other Teachers?
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 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.
The business is more than just uploading your course content and waiting for students to sign in. You will need to create a course curriculum, set goals and assess your students, make sure your website is attractive to your target audience, and market it. Kajabi allows you to do all of these things and more.
- Create a website
- 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. This eliminates the need to purchase expensive plug-ins and saves you time. There is also the added stress of figuring out how to seamlessly make these plug-ins work with each other. This takes time, effort, and money. All this could be avoided by using one platform.
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. It’s a powerful all-in-one solution for creating, marketing, and selling online courses.
Kajabi: A Beginner-Friendly Tool
Many great teachers don’t have the technology skills to share their knowledge online. Even with the willingness of some to learn, the process can be complex and confusing too. That is why the Kajabi creators designed the platform to be accessible and understandable even to those who have a problem with computer work.
It uses a visual layout which makes it easy to use and intuitive. Kajabi’s drag-and-drop editor will make it easy to start an online business, even if you don’t know how to code.
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Almost “all-in-one”
Kajabi is suitable for almost everything, save for a few minor features that developers are still working on. As mentioned earlier, you would not need to spend a lot of time finding out which plug-ins or extensions work together well. Imagine, one update could cause these plug-ins to disrupt your business processes.
If you want to save yourself the headache, Kajabi already has excellent tools for creating landing pages and sales funnels and converting visitors into customers. 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. It was easy to automate my follow-ups and it is very simple. Kajabi Include Content From Other Teachers?
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. Simply head over to the top and type out whatever query you might have. It will display related tutorials.
Second, under the Kajabi University, you can check out a catalog of tutorials and videos to get you started with creating and developing your business. These topics include creating online courses, marketing on social media, setting up payments, and creating your product pages.
These tutorials are available in video and text formats 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, 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.
Kajabi also offers a rewards program that provides incentives to creators who achieve their revenue goals and includes some exclusive perks.
Customer Support
If you have got a query that cannot be found in the Kajabi online guides, the next thing you can do is contact customer service. So, if you are stuck on an issue, you can always rely on them to provide you with the answers. Kajabi Include Content From Other Teachers?
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. They never take too long to reply.
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 take a look at each one.
- Mini-course
- A mini-course contains lesser material than the Online Course, but it is pretty easy to complete. 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 allows you to keep your product advertised and constantly making sales. Essentially, after you launch it, it will keep creating passive income for you. This option, aside from marketing, allows you to drip feed your content to students to keep them interested.
- Blank
- If you’re an advanced user and want to fully customize your content, this is a good option for you.
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You can use Kajabi’s intuitive editor to upload your courses. These can be uploaded from your computer, Dropbox, or Google Drive.
Kajabi supports a wide variety of file types, so you can include videos, audio, pdf, and text documents in your lessons. Wistia provides video hosting for Kajabi, and it is great because you can upload in bulk too. Kajabi Include Content From Other Teachers?
How to Upload Your Content
Videos
Kajabi offers built-in streaming via Wistia as an video host. You will see an icon and be asked to upload a video or assessment.
As mentioned earlier, you will be able to upload your videos in bulk without worrying about bandwidth. All Pricing Plans at Kajabi include unlimited bandwidth. Uploads can be made from your computer, Dropbox or Google Drive. You can also upload via 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 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. 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 fantastic deal.
Assessments
Assessments are great tools to gauge student learning and engagement. 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.
A nifty feature is that when students do not fully succeed on the assessments, it can be set to automatically send out additional materials to help them.
Now there are some drawbacks. First, I have observed that the user cannot include both a video and an assessment under the same category.
Second, it does not allow users to randomize the questions or have question banks. 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
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.
You can easily upload images by clicking on the Pick File button on the right side of the editor.
Certificates
Kajabi is almost an “all-in” platform. This is due to its inability to provide certificates to students who have completed the courses. 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. 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.
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 Include Content From Other Teachers?
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.
You don’t need to leave Kajabi in order to interact with your students or 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 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
One problem that forums have is the lack of 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 organize the posts by topic or pin specific posts to improve 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. This last option tends to increase student engagement because they must complete the lesson before accessing the next. Kajabi Include Content From Other Teachers?
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
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. 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 to have my data presented in graphic form.
The Visual Engagement Viewer displays a report on your students’ engagement with specific parts of the video. Usually, there is a general downhill trend wherein people tend to stop watching at the start of the outro.
Viewer Heatmaps
Your students may not be watching your videos just because they opened them. It could have been running in the background, while they did something else. Kajabi Include Content From Other Teachers?
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.
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
Strong blogs can make a big difference in promoting your company. Students can get updates and additional information about your products, while new customers are introduced. A solid blog can increase traffic and generate leads that could lead to potential students.
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.
If you want to personalize the photos in your Kajabi blog, you need to do some basic coding. When you upload a photo on top of a blog post, it will show up in the recommended image size. Kajabi works with HTML. You would have to fiddle with HTML to change some of the dimensions. Of course, this is not too much of a problem. With a quick search on the internet, you will find plenty of tutorials to do some basic coding.
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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. 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 Include Content From Other Teachers?
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. There are automation, pipelines and many other features. We will be discussing a few of these features in this section.
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 give you a visual representation of your schematics, and editing is easy and intuitive. There is a drag-and-drop editor for you to add videos, offers, images, and other elements that can help you achieve high conversion rates. If you do not know where to begin, suggestions are also provided.
Kajabi provides blueprints to help you start your pipelines. Your chosen blueprint will guide you through the setup of funnels, including landing pages, email automation, offers, and much more. This template was carefully crafted by Brendon Burchard, one of the world’s leading high-performance coaches.
With the Pipeline Stats feature, you can monitor the progress of your marketing plans and use it to evaluate the areas that are lagging. This feature allows you to see each page and email of the pipeline and data on your earnings per view.
Affiliate Program
The Growth and Pro Plans are required to access the affiliate program. Now, you and your partners can efficiently market your goods and with the program. It becomes easier for you to give them the agreed-upon commission. You will have access to a private affiliate dashboard. 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. 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. You can also use templates to suit your email 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.
You can also use Kajabi to integrate with other email platforms.
Marketing Partners
Kajabi integrations allow you to manage your entire business from one platform. Currently, Kajabi has 10 native integrations. To name a few, it has ConvertKit, Aweber, MailChimp, and Active Campaign. Kajabi Include Content From Other Teachers?
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. Click on the Offers tab to the left and select ‘Add New Offer’.
They can be sold individually or packaged together. Once you make a new deal, you will receive a prompt to enter the title offers, product, and cost. You will now only be able choose one product. However, there will be many options available for bundles and payment options. You can also decide on the currency of your product’s price.
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 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 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. Because of the platform’s cost, most individuals would undoubtedly be hesitant to use it.
Kajabi is a never-ending investment. Kajabi is not just a course-building platform. While pricing may be cheaper for other platforms, you may end up paying for three or more different tools for email services, blogs, and sales pipelines. All of these come with your Kajabi subscription. Prices are higher than competitors due to the large suite of tools. But, Kajabi still provides the best value for money out of all other platforms.
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. Kajabi Include Content From Other Teachers?
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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. 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. 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.
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 – well-known online sales strategy. Your products will reach a bigger audience thanks to your affiliates. For suggesting your products to their audiences, your affiliates will be paid commissions.
- Automation – Automation, as previously said, makes it easy for you to follow up with your students. The system then uses a prompt to automatically send out the predetermined response. If a student is falling behind on examinations, for example, you can send them an automatic email with extra course materials. There’s no need for you to manually follow their progress.
As a creator, we are aware that you are not in the business to only make money. You want your products to be of value as well. Business-wise, this is valuable because if people are getting their bang for the buck, they will be more likely to return for more. It is a win-win situation.
Pro Plan
{This is the priciest plan Kajabi has to offer. But it does come with some pretty neat features. You can market up to 100 products, handle 3 sites and at most, have 20,000 members. Because of the number of courses you can market, you can have 25 admin users to help you manage. You also have access to round-the-clock customer support.|This is the most expensive plan offered by Kajabi. It does, however, have some interesting features. You can sell up to 100 products, manage three websites, and have a maximum of 20,000 members. You can have up to 25 admin users to assist you in regulating the amount of courses you can market. You also get access to customer service 24 hours a day, 7 days a week.
These features plus all features you would enjoy from both Basic and Growth Plans are included. While there are unlimited landing pages, the advertising emails are limited to two million.
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 Include Content From Other Teachers?
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
If you’re not new to course creation, you’ve probably utilized various platforms. It’s fantastic that you’re still researching company choices and looking for ways to improve. If you have decided to move to Kajabi, another concern would be how to move all of your data into the platform.
Not to worry, though. Fortunately, you can simply import your members’ names and email using a .csv file. But, you can only do this 500 members at a time. So it would require you to do multiple importations if needed.
Another thing to 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
Kajabi is a popular choice for many creators, and it has a lot to offer to your business for the price you choose to pay. It has excellent support, a well-integrated system, and is highly beginner-friendly.
As stated earlier, Kajabi aims to help you streamline your business process in one site and make it profitable. With its many marketing features, it gives you the edge to push your products to new heights.
Now, this review has given you some insight into the benefits and downsides of choosing Kajabi. Overall, I can still say that Kajabi is a wonderful tool to manage your business from creation to marketing. Kajabi Include Content From Other Teachers?
Frequently Asked Questions: Kajabi Include Content From Other Teachers?
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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. 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.