How To Use The Store In Kajabi

kajabi-review

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. 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.

If you’re an online course creator, you have probably heard of Kajabi before. It is one of the most popular online learning platforms today. 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 review will cover the basics of what you need to know about 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.

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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 How To Use The Store In Kajabi

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
  • 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. There are three options available: Pro, Growth, or Basic. 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 ).

Assuming this is all done, you’re now ready to market your products. You can create pipelines in Kajabi. You can use these mechanisms to increase conversion rates and turn prospects into potential students through efficient marketing channels. You can add landing pages, freebies that get leads to enter their email addresses, video marketing, and so on.

When the prospect becomes a student, you can process payments through the site. All this without leaving Kajabi. How To Use The Store In Kajabi

Kajabi is almost an “all-in” platform. These features will be discussed in the next sections. Kajabi is able to compete with most online courses platforms, thanks to the many features and benefits it provides.

Why 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. This guide will help you launch your business and keep it 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
  • Make course offerings
  • Keep track of student progress
  • Manage subscriptions/payments
  • Run email marketing campaigns

One criticism Kajabi has is on its price. It is more expensive than other alternatives, but that’s okay. 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 is time-consuming, expensive, and requires a lot of effort. All this could be avoided by using one 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. Kajabi is a powerful, all-in-one tool for creating, marketing and selling online courses.

Kajabi: A Beginner-Friendly Tool

Not all great teachers are technologically inclined enough to share their knowledge and information online. Even with the willingness of some to learn, the process can be complex and confusing too. Kajabi creators created the platform so that it is accessible and easy to understand even for those with problems with computer work.

It uses a visual layout which makes it easy to use and intuitive. Kajabi’s drag-and-drop editor will make it easy to start an online business, even if you don’t know how to code.

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Almost “all-in-one”

Kajabi can be used for most things, with the exception of a few features that are still being developed by developers. You don’t need to spend too much time trying to find the right extensions or plug-ins. Imagine, one update could cause these plug-ins to disrupt your business processes.

If you want to save yourself the headache, Kajabi already has excellent tools for creating landing pages and sales funnels and converting visitors into customers. 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. How To Use The Store In Kajabi

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. The Kajabi Assistant Bar gives you access to many searchable tutorials. Just head to the top and enter any query. It will show you related tutorials.

Second, under the Kajabi University, you can check out a catalog of tutorials and videos to get you started with creating and developing your business. Some of these topics cover creating your online courses, marketing your products on social media and other platforms, and setting up payments.

These tutorials are available in video and text formats for your convenience.

The third and most important feature of the onboarding process, is the 28-day Hero Challenge. It is basically a month-long crash program to help you launch your website and make your first sale. 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. 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.

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. So, if you are stuck on an issue, you can always rely on them to provide you with the answers. How To Use The Store In Kajabi

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. 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. After you have given a name to your product, you will see “New Product” in the upper right corner of your screen. There are three pre-built product blueprints that can be used for different digital products. You also have the option to create a custom listing. Let’s 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
    • 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. It will generate passive income for you even after it is launched. Marketing aside, this option allows you to trickle feed your content to your students and keep them interested.
  • Blank
    • This is an excellent option if you are an advanced user who wants to customize your content.

How To Use The Store In Kajabi

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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 many file types. You can add audio, video, pdf and text files to your lessons. Wistia provides video hosting for Kajabi, and it is great because you can upload in bulk too. How To Use The Store In Kajabi

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. In all the Pricing Plans of Kajabi, you are provided with unlimited bandwidth. You can choose to upload from your computer, Dropbox, Google Drive, or by URL links. However, take note that it would not accept URLs from Youtube or Vimeo as the uploader looks for the file type in the URL.

After your files are uploaded, Kajabi will automatically convert them into articles you can edit later. This eliminates the need to go through each post and upload videos one at a time.

Now, with Wistia as the video host, rest assured that alone makes your subscription 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 great bargain.

Assessments

Assessments can be a great tool to measure student engagement and learning. 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.

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It takes less than two minutes. Open the People tab in the Dashboard to create assessments. Choose Assessments and then +New Assessment and finish the prompt to begin customizing.

One of the coolest features is the ability to set it to automatically send additional materials to students if they fail to complete their assessments.

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. 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. Pictures help to set the tone for your website and give your students a visual preview.

Click on the Pick File button to upload images.

Certificates

I would consider Kajabi as an almost “all-in-one” platform because of its inability to natively provide certificates to students who complete the courses. 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.

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

Some students are not always able to stay online, even if they are called online students. Some students download course materials and complete tasks offline. To make it easier for your students, Kajabi included this feature. This can be found in the Downloads section on the right side of the page.

Your students will be able to download whatever material you place there while they are on that specific lesson.

Body

You can choose to add a description or even a transcript for your videos. Students may prefer to review transcripts over watching the entire video.

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. How To Use The Store In Kajabi

Student Interactions

Community

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It would be wonderful for eLearning platforms to allow members and students to interact with one another and discuss topics in their course materials. This is similar to what they would do in a classroom setting. Over the years, some have utilized Facebook groups, but that would require you to join Facebook and apply for the group membership.

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 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

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 hard to listen to your audience and understand them.

In Kajabi, the page administrator is allowed to organize and reorganize the 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

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. How To Use The Store In Kajabi

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.

It is also a useful feature when choosing a type of membership.

Content Locking

Your student must complete a lesson before they can access the next. 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 prides itself on providing the best tools to help entrepreneurs handle their business 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

With this comes a graphical overlay in your video. I find this quite handy as a visual learner myself. Information presented in text blocks is not the best way to process it. I prefer 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. How To Use The Store In Kajabi

The Viewer Heatmap allows you to see which parts of the viewers are not interesting to your students, and which ones they have viewed repeatedly. This could indicate that the students found these parts interesting or difficult. This meant that they needed to watch the video again to make sure they understood what was going on.

Kajabi can provide valuable analytic tools that will help you improve your content. Your data can be used to create a strategy that will guide your business decisions.

Blogging

A strong blog can do wonders for promoting your business. Students can get updates and additional information about your products, while new customers are introduced. Having a solid blog boosts traffic for you and generates leads that would transform visitors into potential students.

Admittedly, Kajabi has plenty to improve on in this feature. It is not on the same level as what you would have with something like WordPress. 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.

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. 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. Hopefully, Kajabi will focus on these things in their 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.

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. How To Use The Store In Kajabi

Marketing Tools

These are Kajabi’s most important support for its customers. Kajabi is built to sell. With so many marketing features, your business will be in safe hands. There are automation, pipelines and many other features. In this section, we will discuss a few features.

Pipelines

Kajabi has developed a platform that makes it easy to sell and market. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. Depending on what Price Plan you chose, you can have 3, 15, or 100 pipelines.

Kajabi will provide you with a visual representation for your schematics. Editing is simple and intuitive. You can add videos, images and offers using the drag-and-drop editor. This will help you increase your conversion rates. If you do not know where to begin, suggestions are also provided.

Kajabi offers some blueprints for its pipelines so that you do not need to start from scratch. Your chosen blueprint will guide you through the setup of funnels, including landing pages, email automation, offers, and much more. This template was carefully crafted by Brendon Burchard, one of the world’s leading high-performance coaches.

With the Pipeline Stats feature, you can monitor the progress of your marketing plans and use it to evaluate the areas that are lagging. This feature allows you to see each page and email of the pipeline and data on your earnings per view.

Affiliate Program

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. You can now give your partners the agreed-upon affiliate commission much easier. A private dashboard will be available to you. It will allow you to see statistics about clicks and conversions as well as other relevant data that can be used to market your business.

Automation

Email Marketing

Kajabi makes it easy to start your own business. Depending on your schedules, you can launch email marketing campaigns quickly. 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. 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. How To Use The Store In Kajabi

How to Price Your Products

There are several factors that you need to consider when pricing your courses – time spent in planning the content and creating it, charging for your expertise, operational costs, and so on.

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 or Paypal to process payments. You can customize your checkout to create flexible payment options and offer custom payment options for students. Kajabi doesn’t charge transaction fees so this comes with the convenience. However, you will have to pay for the costs of its payment methods partners.

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

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As mentioned earlier, Kajabi’s pricing can seem higher than other platforms. \Most people would probably hesitate to use the platform because of its price. 

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. Prices are higher than competitors due to the large suite of tools. However, of all the platforms, Kajabi offers the most value for money.

All three pricing plans offer unlimited bandwidth, unlimited video hosting via Wistia, and 0% transaction fees. It also has chat support and assessment features. 

Below is a detailed breakdown of each pricing plan to see how they differ. How To Use The Store In Kajabi

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Basic Plan

The lowest-priced plan starts at $149 monthly. You will only have to pay $119 if you are billed annually. 

The basic plan is the most affordable option. Take note, it limits you to only 3 products, 1 website, 3 sales pipelines, and around a thousand members. The Kajabi logo branding will remain on all products. 

However, landing pages and marketing emails are unlimited. Some of the crucial marketing tools you’d like to use for your business might not be included in the Basic Plan. Although Kajabi has excellent customer care, you would need to limit your queries to office times. Unlike with the higher plans, they have access to a 24/7 live chat with customer support. 

Growth Plan

For $50 more, you can upgrade to this tier and get five times more courses. The monthly payment sets you back $199, but if billed annually, it will cost only $159. 

Fortunately, though, even the basic pricing plan has a lot of features to play with. Most plans have the same basic suite of functions, but they scale according to the pricing plan. For example, the Basic plan only allows for 3 products and 3 pipelines, while the Growth plan allows for 15 products and 15 pipelines. As a result, when you purchase a higher-tier plan, you are not paying for new features, but rather for the expansion of existing ones. In addition, Kajabi does not charge a transaction fee for any sales made on the platform.

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 – 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. How To Use The Store In Kajabi

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

For many creators, Kajabi is a popular choice, and it has a lot to offer for the price you choose to pay. It comes with exceptional customer service, a well-integrated system, and is extremely user-friendly. 

As stated earlier, Kajabi aims to help you streamline your business process in one site and make it profitable. With its many marketing features, it gives you the edge to push your products to new heights. 

Now that you’ve read this review, you have a better understanding of the advantages and disadvantages of using Kajabi. Overall, I believe Kajabi is an excellent tool for managing your business, from conception to marketing. How To Use The Store In Kajabi

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Frequently Asked Questions: How To Use The Store In Kajabi

  • What does Kajabi mean?

    • According to its founders, it is an aboriginal word that means “to take flight.” 
  • 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. 
  • Is Kajabi worth the money?

    • This is dependent on your business requirements and how you can make the most of Kajabi’s features. Kajabi is well-known for being user-friendly and for having a number of built-in integrations that help streamline business processes. You also receive excellent support. 
  • Is Kajabi easy to use?

    • Yes. Kajabi is easy to use. In fact, because of this, thousands of course creators have it as their platform of choice. 
  • Is Kajabi accessible via a mobile app?

    • Yes. Your students have the convenience of accessing Kajabi via a mobile app. It is available in both iOS and Google Play. 
  • Can you use your domain? 

    • Yes. With a Basic Plan, you can create a custom domain with Kajabi’s branding (yourdomaintitle.kajabi.com). You can choose to remove any traces of Kajabi’s branding and create a website that is purely focused on you with the Growth and Pro Plans. 
  • 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. 
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