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. The Kajabi founders, Kenny Rueter & Travis Rosser, knew that they wanted to help others monetize their knowledge online. They needed a platform that made it easy for entrepreneurs to do this.
Kajabi is a popular online course creator. It is one of the most widely used online learning platforms. Since its launch in 2010, Kajabi grew to become the powerhouse that it is today. 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. 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 Using Kajabi And Ontraport Together
Pros
- A highly integrated platform featuring a lot of built-in tools
- Intuitive marketing tools that help you promote and sell your products.
- User-friendly
- Amazing customer service
- Intuitive course builder and highly customizable themes
- Uses Wistia as a video host
Cons
- Kajabi 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. 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. 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. These mechanisms allow you to achieve high conversion rates by turning prospects into potential students by giving efficient marketing funnels. Landing pages can be added, as well as freebies to get leads to submit their email addresses. Video marketing is another option.
When the prospect becomes a student, you can process payments through the site. All this without leaving Kajabi. Using Kajabi And Ontraport Together
Now, some features make Kajabi an almost “all-in-one” platform. I will talk about them in the later sections of the review. Kajabi is able to compete with most online courses platforms, thanks to the many features and benefits it provides.
Why should you choose Kajabi:
As an entrepreneur, of course, you would want to make sure that you make the most out of your investment. If you have valuable content that you would like to market, Kajabi provides excellent support for your needs. It includes what you need to jumpstart your business, keep it running and growing.
It’s more than simply uploading course content and waiting for students sign in. You will need to create a course curriculum, set goals and assess your students, make sure your website is attractive to your target audience, and market it. You can do the following and more with Kajabi.
- Build a website
- Create course offerings
- Keep track of student progress
- Manage subscriptions/payments
- Run email marketing campaigns
One criticism Kajabi has is on its price. Admittedly, it is pricier than some alternatives. 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.
Good platforms think of what their users want and need. These platforms can be used to create sales pages, email your students, or do all kinds of marketing activities.
If you are a professional looking for ways to market your knowledge, Kajabi is the right choice. It’s a powerful all-in-one solution for creating, marketing, and selling online courses.
Kajabi: A Beginner-Friendly Tool
Many great teachers don’t have the technology skills to share their knowledge online. The process can be complicated and confusing, even for those who are willing to learn. That is why the Kajabi creators designed the platform to be accessible and understandable even to those who have a problem with computer work.
The platform utilizes a visual layout that makes it intuitive and super simple to use. Even without learning how to code, you will be able to create an online business in no time with Kajabi through its drag-and-drop editor.
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Almost “all-in-one”
Kajabi 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. 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.
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. Using Kajabi And Ontraport Together
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. Simply head over to the top and type out whatever query you might have. It will show you related tutorials.
You can also find videos and tutorials on the Kajabi University to help you get started in creating and growing your business. These topics include creating online courses, marketing on social media, setting up payments, and creating your product pages.
These tutorials 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.
If your queries aren’t answered, Kajabi has one of the best customer support out there. Now, if you have the Growth or Pro Plan, you get access to 24/7 round-the-clock customer chat support. Customer chat support is only available during business hours for Basic Plans. Despite this, the support team responds very quickly. So far, I have not had any problems with how they handle things.
Lastly, there’s a rewards program in Kajabi that is designed to provide incentives for creators who reach their revenue levels and offers some exclusive perks.
Customer Support
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. Using Kajabi And Ontraport Together
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. Although it functions as a ticket system you will receive an answer within one day. They always respond promptly, even with this. They never take too long to reply.
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. 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. You can use this to gauge customer interest and also build your brand value.
- Online course
- From short workshops to seminars to lectures about your area of expertise, these are full-blown courses that your students can avail.
- Evergreen Training
- The Evergreen Course allows you to keep your product advertised and constantly making sales. It will generate passive income for you even after it is launched. 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. Using Kajabi And Ontraport Together
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.
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. You can choose to upload from your computer, Dropbox, Google Drive, or by URL links. However, take note that it would not accept URLs from Youtube or Vimeo as the uploader looks for the file type in the URL.
Once your files have been uploaded, Kajabi can automatically transform these uploads into articles that you can edit later on. This saves you the hassle of going through the posts and uploading videos one by one.
With Wistia being the video host, your subscription will be worth it. Wistia standalone subscriptions can cost $99 per month. If you take a look at the cost, with $20 more, you can already get Kajabi’s Basic Plan at $119/year with its features. This is a great bargain.
Assessments
Assessments 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. You can also use this feature to get feedback from students about your products and if you opt for content locking.
It takes less than two minutes. You can create assessments by opening the People tab from the Dashboard. Select Assessments, then +New Assessment, and follow the prompt to start 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.
It does not support randomizing questions, nor question banks. Although, it does support assessments such as multiple-choice questions and paragraph-style questions.
Your students can also upload files for you to check through its assignment submission feature.
Photos
You can upload a poster photograph for your lessons. Pictures help to set the tone for your website and give your students a visual preview.
You can easily upload images by clicking on the Pick File button on the right side of the editor.
Certificates
I would consider Kajabi as an almost “all-in-one” platform because of its inability to natively provide certificates to students who complete the courses. 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. 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. Some students prefer to read transcripts rather than watching entire videos when they review.
If you choose to only add a description, it will help students know what the lesson is all about and what topics will be discussed in the video. Using Kajabi And Ontraport Together
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 has a fully integrated feature called the Community. This is one of their student engagement tools.
Your Community can be protected with a paywall so that patrons have access. This will enable you to address student questions directly and allow students to share their experiences with one another.
Because the Community can be used as a standalone product. Those who are not too keen on purchasing the entire course could just buy access to the discussions.
Organizing Your Topics
Forums have a problem with 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 difficult to understand your audience and listen to them.
Kajabi allows the administrator to organize and reorganize feeds. They can sort the posts by topic and also ‘pin’ specific posts for better viewability.
Overall, the Community feature is one advantage Kajabi has over its competitors. This feature is very beneficial to entrepreneurs who run an online school.
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Content Access
Depending on your style, Kajabi gives you the option of how your students 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. Using Kajabi And Ontraport Together
Dripping Course Content
Instead of giving your students everything at once, drip-feeding your courses can be an option.
When you drip-feed your content, you can keep your student interested in returning to your page to check for new content. Second, this will prevent them from jumping too far ahead and skipping possibly essential parts of your course.
Third, it is a valuable feature for when you decide on a membership type.
Content Locking
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. Through it, you will get insights on which aspects of your courses are doing well and which ones need to improve on.
Therefore, it shows you information on your courses, affiliates, students, and sales transactions that can help you optimize your products.
Play Rate
The play rate gives data on how many people have watched a specific video. I mentioned that some students prefer to download the course material and read the transcript rather than watch the video.
Average Engagement
The data you receive here is the average percentage of the whole video that your students watched. Since some students prefer to skip some segments of the video, you can get an idea of how well you can keep your students engaged in what you need to say.
Visual Engagement Viewer
With this comes a graphical overlay in your video. I find this quite handy as a visual learner myself. I am not able to process information well when it’s all presented in blocks of text. I prefer having my data in graph form.
The Visual Engagement Viewer presents a report of your students’ engagement in specific points of the video. There is usually a downhill trend in which people stop watching the video at the beginning of the outro.
Viewer Heatmaps
Now just because your students opened your videos does not mean that they are watching them. It could have been running in the background, while they did something else. Using Kajabi And Ontraport Together
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. Thus, there was a need to rewatch to review.
Kajabi can provide valuable analytic tools that will help you improve your content. The best thing to do with your data is to help you develop a strategy to guide your business decisions.
Blogging
A strong blog can do wonders for promoting your business. Current students can receive updates and more information about your products and services while new customers are introduced to them. A solid blog can increase traffic and generate leads that could lead to potential students.
Admittedly, Kajabi has plenty to improve on in this feature. It is not on the same level as what you would have with something like WordPress. Despite its limitations, Kajabi’s ability to store everything in one place makes up for them.
Basic HTML Know-How
It is unnecessary for you to code to build your website and customize most things in Kajabi; it is still 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. You would have to fiddle with HTML to change some of the dimensions. Of course, this is not too much of a problem. You can find many tutorials for basic coding by doing a quick internet search.
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Another thing that would probably concern you is text wrapping. Without HTML, you cannot change the way text wraps around images in your blog.
Lastly, there is a lack of an image bank in Kajabi. If you wanted to add a photo that you have previously used in other articles, you would need to upload it from your computer or sites like Google Drive again. Hopefully, Kajabi will focus on these things in their 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. Using Kajabi And Ontraport Together
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. 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. Depending on what Price Plan you chose, you can have 3, 15, or 100 pipelines.
Kajabi will provide you with a visual representation for your schematics. Editing is simple and intuitive. You can add videos, images and offers using the drag-and-drop editor. This will help you increase your conversion rates. There are suggestions if you don’t know where to start.
Kajabi offers some blueprints for its pipelines so that you do not need to start from scratch. Your chosen blueprint will guide you through the setup of funnels, including landing pages, email automation, offers, and much more. This template was carefully crafted by Brendon Burchard, one of the world’s leading high-performance coaches.
With the Pipeline Stats feature, you can monitor the progress of your marketing plans and use it to evaluate the areas that are lagging. This feature allows you to see each page and email of the pipeline and data on your earnings per view.
Affiliate Program
The Growth and Pro Plans are required to access the affiliate program. You and your partners will be able to market your products and the program together. You can now give your partners the agreed-upon affiliate commission much easier. 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 lets you choose the sequence of emails, add multiple emails to the set sequence and upsell additional products. Templates are also available to fit your email’s purpose. Not a lot of alternatives offer this much freedom.
Let’s say a visitor adds a product to their cart, but they have not made a decision to buy. Kajabi can send them an email reminding them about your offer. With this, you do not have to manually track the number of sign-ups from your email campaign. Just relax and see the improvement in your conversion rates.
You can also use Kajabi to integrate with other email platforms.
Marketing Partners
You can run your business under one platform, and Kajabi’s integrations help make that happen. Currently, Kajabi has 10 native integrations. To name a few, it has ConvertKit, Aweber, MailChimp, and Active Campaign. Using Kajabi And Ontraport Together
How to Price Your Products
Pricing your courses should take into account several factors, including the time you spent creating and planning it, your fees for expertise, and operational costs.
Kajabi provides a simple way to price your products once you have established the price. Head over to the Offers tab found on the left side and click ‘Add New Offer.’
You can sell them individually or package them as a set. Once you make a new deal, you will receive a prompt to enter the title offers, product, and cost. Now, you will only be able to choose one product, but there will be some options for you to choose from in terms of bundles and payment options on the following pages. You can also choose the currency for your product’s pricing.
If you are worried about people not being able to afford your course, you can set it up in multiple ways:
- Free
- One-time Payment
- Multiple Payments
- Recurring Payments
You can also generate coupon codes, bulk coupons codes and special offers to apply to your coupon from this page.
Payment Methods
Kajabi uses Stripe or Paypal to process payments. You will be able to customize checkout and create flexible payment options for your students. This comes with the convenience of not paying for transaction fees as Kajabi does not charge you. 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.
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. Prices are higher than competitors due to the large suite of tools. However, of all the platforms, Kajabi offers the most value for money.
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.
Below is a detailed breakdown of each pricing plan to see how they differ. Using Kajabi And Ontraport Together
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Basic Plan
The lowest-priced plan starts at $149 monthly. If billed annually, you will only pay $119.
The basic plan is the most affordable option. Take note, it limits you to only 3 products, 1 website, 3 sales pipelines, and around a thousand members. The Kajabi logo branding will remain on all products.
However, landing pages and marketing emails are unlimited. Some of the crucial marketing tools you’d like to use for your business might not be included in the Basic Plan. 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
You can subscribe to this tier for $50 extra and get five times the number of courses. The monthly price is $199, but if you pay it annually, it will just be $159.
Fortunately, though, even the basic pricing plan has a lot of features to play with. Most plans have the same basic suite of functions, but they scale according to the pricing plan. For example, the Basic plan only allows for 3 products and 3 pipelines, while the Growth plan allows for 15 products and 15 pipelines. So when you buy a higher-tier plan, you are not paying for new functions but expanding the ones you already have. Kajabi also doesn’t charge a transaction fee for any sales made on the site.
The second level allows you to create more products and pipelines as well as members. More reasons to get this plan: white-labeling, affiliate marketing, and automation.
- White-labelling – This allows you to remove the Kajabi branding from your website and completely customize it.
- Affiliate advertising – A popular online sales tactic. Through your affiliates, your products will receive a wider reach. Your affiliates will receive commissions for recommending your products to their audiences.
- Automation – As discussed earlier, automation makes it easier for you to follow up with your students. With this, the system automatically sends out the programmed response through a prompt. For example, if a student is lagging on assessments, you can set an automated response of an email with supplemental course materials for them. No need for you to keep track of their progress manually.
As a creator, we are aware that you are not in the business to only make money. You want your products to be of value as well. Business-wise, this is valuable because if people are getting their bang for the buck, they will be more likely to return for more. It is a win-win situation.
Pro Plan
{This is the priciest plan Kajabi has to offer. But it does come with some pretty neat features. You can market up to 100 products, handle 3 sites and at most, have 20,000 members. Because of the number of courses you can market, you can have 25 admin users to help you manage. You also have access to round-the-clock customer support.|This is the most expensive plan offered by Kajabi. It does, however, have some interesting features. You can sell up to 100 products, manage three websites, and have a maximum of 20,000 members. You can have up to 25 admin users to assist you in regulating the amount of courses you can market. You also get access to customer service 24 hours a day, 7 days a week.
These features plus all features you would enjoy from both Basic and Growth Plans are included. While there are unlimited landing pages, the advertising emails are limited to two million.
A bonus to getting the Pro Plan is access to the Experts Academy. In it, you will find more information on how to market your brand. Using Kajabi And Ontraport Together
You could schedule billing monthly for $399 or yearly for $319 if you picked Kajabi’s Pro Plan. Take notice that this is a significant investment that you must consider. This is the option that most large firms or those with a large number of courses to sell pick. But if you are just starting or your business does not warrant the need for a Pro Plan yet, then I would suggest the other two plans. Just my two cents in. You would still get to enjoy a lot of what Kajabi has to offer on the budget you set.
Moving to Kajabi
For those who are not new to course-creating, you probably used other platforms. It is excellent that you are still considering options for your business and thinking of ways to improve. If you have decided to move to Kajabi, another concern would be how to move all of your data into the platform.
Not to worry, though. Fortunately, you can simply import your members’ names and email using a .csv file. But, you can only do this 500 members at a time. So it would require you to do multiple importations if needed.
Another thing to keep in mind is that owing to a security issue, your members will need to reset their passwords. This is excellent news for you and your colleagues. Kajabi is concerned about the safety of your company. This means that after the switch is done, other platforms will no longer have access to their information.
Conclusion
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. Using Kajabi And Ontraport Together
Frequently Asked Questions: Using Kajabi And Ontraport Together
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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.