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.
The vision was simple. The Kajabi founders, Kenny Rueter & Travis Rosser, knew that they wanted to help others monetize their knowledge online. To do so, they would need a platform that makes the process painless and seamless for entrepreneurs.
Kajabi is a popular online course creator. It is one of the most popular online learning platforms today. Kajabi has grown to be the online learning platform it is today since its inception in 2010. It has helped thousands of people escape from jobs that don’t suit them anymore and have enabled them to realize their dreams.
This review will cover the basics of what you need to know about 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 Membership 30 Day Trial
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
- Wistia is used as a video host
Cons
- Kajabi prices are higher than average
- Students cannot be issued custom certificates of completion by users on the platform.
- Assessment customization is limited.
What is Kajabi?
Kajabi 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. It boasts how simple it is to use. The first thing you can do is to purchase a plan. You have three options: Basic, Growth, and Pro. These options will be discussed later in this review.
After you’ve selected a plan, you can set up an account and upload your content. Using the lesson editor, you can upload your video lectures and give the lesson description and titles.
Assessments are easily done by typing the questions and giving options (if you have chosen the multiple-choice type ).
Now you can market your products. You can create pipelines in Kajabi. These mechanisms allow you to achieve high conversion rates by turning prospects into potential students by giving efficient marketing funnels. 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 this without leaving Kajabi. Kajabi Membership 30 Day Trial
Now, some features make Kajabi an almost “all-in-one” platform. I will talk about them in the later sections of the review. 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. 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
- Keep track of 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 is time-consuming, expensive, and requires a lot of effort. All of which could be avoided under one single platform.
Good platforms think of what their users want and need. These platforms will provide valuable tools for creating sales pages, emailing your students, and doing all sorts of marketing activities.
So, if you’re a professional looking to sell your knowledge, I would say, with Kajabi, you will be in safe hands. Kajabi is a powerful, all-in-one tool for creating, marketing and selling online courses.
Kajabi: A Beginner-Friendly Tool
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.
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. 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. This platform allows you to create courses and market them. To entice students to your courses, you can offer discounts, follow up leads, and manage payments from the Kajabi website.
Kajabi’s email marketing and funnel creations are a great fit for me as a busy entrepreneur. I could easily automate follow-up sequences, and it’s effortless to do too. Kajabi Membership 30 Day Trial
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.
You can also find videos and tutorials on the Kajabi University to help you get started in creating and growing your business. Some of these topics cover creating your online courses, marketing your products on social media and other platforms, and setting up payments.
These tutorials 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. The challenge covers all you need to know about the platform, as well as some strategies for successfully marketing your products.
Kajabi offers one of the best customer service in the industry. If you are a member of the Growth or Pro Plan you will have access to live chat support 24 hours a day. 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
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. If you have any questions, they can help you. Kajabi Membership 30 Day Trial
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. Even with this, they always reply promptly. I do not have to wait too long for my answers.
This is one of the reasons why the more expensive plans are worth the extra money if you are not confident about your computer skills. The other two Kajabi plans offer around-the-clock access to support, while the Basic Plan does not.
How to use Kajabi:
Creating a Class:
Course creation in Kajabi is fast, efficient, 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. You can use this to gauge customer interest and also build your brand value.
- Online course
- These are full-blown courses your students can take, from workshops to seminars and lectures about your expertise.
- Evergreen Training
- The Evergreen Course will help you keep your product in front of people and make sales. 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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To upload your courses, you can use Kajabi’s intuitive editor. These can be uploaded from your computer, Dropbox, or Google Drive.
Kajabi supports a wide variety of file types, so you can include videos, audio, pdf, and text documents in your lessons. Wistia provides video hosting for Kajabi, and it is great because you can upload in bulk too. Kajabi Membership 30 Day Trial
How to Upload Your Content
Videos
Kajabi provides built-in streaming through Wistia as a video host. You will see an icon and be asked to upload a video or assessment.
You can upload multiple videos at once without worrying about bandwidth. All Pricing Plans at Kajabi include unlimited bandwidth. 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.
After your files are uploaded, Kajabi will automatically convert them into articles you can edit later. This saves you the hassle of going through the posts and uploading videos one by one.
With Wistia being the video host, your subscription will be worth it. Wistia standalone subscriptions can cost $99 per month. You can get Kajabi’s Basic Plan for $119/year if you add $20. This is a 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. 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. You can create assessments by opening the People tab from the Dashboard. 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.
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.
You can easily upload images by clicking on the Pick File button on the right side of the editor.
Certificates
I would consider Kajabi as an almost “all-in-one” platform because of its inability to natively provide certificates to students who complete the courses. Kajabi allows creators to issue certificates of completion but they cannot be issued onsite.
These certificates can only be created using third-party services such as Canva, Google Slides and Accredible.
This is something I don’t mind doing for my business. However, it would be a hassle for some.
Another thing, Kajabi does not indicate the amount of time spent studying the courses or any continuing education credit. This is a major problem for those who want to use eLearning to earn credit. 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.
Students will be able download any material that you have placed while they are in a lesson.
Body
You can choose to add a description or even a transcript for your videos. 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 Membership 30 Day Trial
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.
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. You can also buy access to the discussions for those who don’t want to purchase the whole course.
Organizing Your Topics
One problem that forums have is the lack of organization. It may be hard for both the creator and the students to keep track of specific topics. This is what I observed in a lot of 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 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. Kajabi Membership 30 Day Trial
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.
You can keep your students coming back to your page to see new content by drip-feeding it. 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. An assessment can be given at the end of lessons. 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. It creates heatmaps and videos stats. Through it, you will get insights on which aspects of your courses are doing well and which ones need to improve on.
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
This data shows you the average percentage of video your students watched. Since some students prefer to skip some segments of the video, you can get an idea of how well you can keep your students engaged in what you need to say.
Visual Engagement Viewer
This will create a graphic overlay for your video. I find this quite handy as a visual learner myself. 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. 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. They could have kept it running in the background while they do something else, in the guise of multi-tasking. Kajabi Membership 30 Day Trial
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.
You can trust that Kajabi will provide you with a valuable array of analytic tools to better your content. The best thing to do with your data is to help you develop a strategy to guide your business decisions.
Blogging
Strong blogs can make a big difference in promoting your company. Current students can receive updates and more information about your products and services while new customers are introduced to them. A solid blog can increase traffic and generate leads that could lead to potential students.
Kajabi still has a lot to do in this area, however. It is not on the same level as what you would have with something like WordPress. 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. 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. This isn’t too difficult. You can find many tutorials for basic coding by doing a quick internet search.
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Another thing that would probably concern you is text wrapping. You cannot edit the way the text wraps around a picture in the body of your blog unless you deal with the HTML.
Kajabi does not have an image bank. If you wanted to add a photo that you have previously used in other articles, you would need to upload it from your computer or sites like Google Drive again. These are the things Kajabi will hopefully focus on in his subsequent updates.
Tagging
While I enjoy most of Kajabi’s features, one thing that gripes me is the hassle of being unable to pick from existing tags in my post. Unlike in other blogs where you can easily refer to previous tags, the tags themselves don’t appear even as suggestions when you type them down.
When you need to add a tag to a post you’re making, it is a pain having to remember which tag you used or put it on a separate list each time you make a blog post. Kajabi Membership 30 Day Trial
Marketing Tools
These are Kajabi’s most important support for its customers. Kajabi is built to sell. Your business will be safe with so many marketing tools. You have pipelines, automation, and so much more. We will be discussing a few of these features in this section.
Pipelines
Kajabi has developed a platform that makes it easy to sell and market. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. You can have three, fifteen or 100 pipelines depending on which Price Plan you choose.
Kajabi will provide you with a visual representation for your schematics. Editing is simple and intuitive. 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. 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. You will have access to a private affiliate dashboard. 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 lets you choose the sequence of emails, add multiple emails to the set sequence and upsell additional products. 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. This allows you to track sign-ups automatically from your email campaigns. 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
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 Membership 30 Day Trial
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. After you create a new deal you will be prompt to enter title offers, product and cost. Now, you will only be able to choose one product, but there will be some options for you to choose from in terms of bundles and payment options on the following pages. You can also decide on the currency of your product’s price.
You have several options if you’re concerned about people not being financially able to pay for your course.
- Free
- One-time Payment
- Multiple Payments
- Recurring Payments
You can also generate coupon codes, bulk coupons codes and special offers to apply to your coupon from this page.
Payment Methods
Kajabi uses Stripe 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. 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.
Refunds are also made more straightforward. 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. 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. Even though it’s a bit more expensive than other platforms, keep in mind that you do not need to pay separately for three or more different tools for email services, blogs, and sales pipelines. All of these come with your Kajabi subscription. 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.
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 Membership 30 Day Trial
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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. So when you buy a higher-tier plan, you are not paying for new functions but expanding the ones you already have. Kajabi also doesn’t charge a transaction fee for any sales made on the site.
The second level allows you to create more products and pipelines as well as members. More reasons to get this plan: white-labeling, affiliate marketing, and automation.
- White-labelling – This allows you to remove the Kajabi branding from your website and completely customize it.
- 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 – 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. Kajabi Membership 30 Day Trial
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
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 previously said, Kajabi’s goal is to assist you streamline and profit from your business processes in one place. It gives you the advantage to take your products to new heights thanks to its numerous marketing capabilities.
Now, 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 Membership 30 Day Trial
Frequently Asked Questions: Kajabi Membership 30 Day Trial
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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 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.