I Have Kajabi For Free For Life

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 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. This includes online course creation, marketing, pricing, and so much more. This will give you a clear idea of the benefits you’ll get if you choose Kajabi.

kajabi-logo

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 I Have Kajabi For Free For Life

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 prices are higher than average
  • Users cannot create custom certificates of completion for students on the platform
  • Assessment customization is limited.

What is Kajabi?

Kajabi is an online platform for creating courses that allow users to manage their businesses from one location. 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. The platform boasts of how easy it is to use. The first thing you can do is to purchase a plan. There are three options available: Pro, Growth, or Basic. We will discuss them later in this review.

Once you have selected a plan, you can easily set up your account and upload your content. Using the lesson editor, you can upload your video lectures and give the lesson description and titles.

You can easily complete assessments by simply typing the questions and selecting the options (if you’ve chosen the multiple-choice option).

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 without having to leave Kajabi. I Have Kajabi For Free For Life

Kajabi is almost an “all-in” 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 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. This guide will help you launch your business and keep it 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
  • Make course offerings
  • Track 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. 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 this could be avoided by using one platform.

Good platforms think of what their users want and need. These platforms will provide valuable tools for creating sales pages, emailing your students, and doing all sorts of marketing activities.

If you are a professional looking for ways to market your knowledge, Kajabi is the right choice. It’s a powerful all-in-one solution for creating, marketing, and selling online courses.

Kajabi: A Beginner-Friendly Tool

Many great teachers don’t have the technology skills to share their knowledge online. The process can be complicated and confusing, even for those who are willing to learn. 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. As mentioned earlier, you would not need to spend a lot of time finding out which plug-ins or extensions work together well. Imagine, one update could cause these plug-ins to disrupt your business processes.

If you want to save yourself the headache, Kajabi already has excellent tools for creating landing pages and sales funnels and converting visitors into customers. You can create and market courses using this platform. You can provide coupons for discounts to entice your potential students, follow-up leads, and handle payments without leaving the Kajabi website.

As a busy entrepreneur with not a lot of free time on my hands, I enjoy the email marketing and funnel creations of Kajabi. It was easy to automate my follow-ups and it is very simple. I Have Kajabi For Free For Life

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 display related tutorials.

Second, under the Kajabi University, you can check out a catalog of tutorials and videos to get you started with creating and developing your business. These topics include creating online courses, marketing on social media, setting up payments, and creating your product pages.

These tutorials come in both video and text format 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. If you are a member of the Growth or Pro Plan you will have access to live chat support 24 hours a day. With a Basic Plan, customer chat support is available at limited times during the day. Despite this, I would still say that the support team is pretty prompt with responding. So far, I have not had any problems with how they handle things.

Kajabi also offers a rewards program that provides incentives to creators who achieve their revenue goals and includes some exclusive perks.

Customer Support

Contact customer service if you have a question that is not covered in the Kajabi online guides. So, if you are stuck on an issue, you can always rely on them to provide you with the answers. I Have Kajabi For Free For Life

The Growth and Pro Plan gives you access to the Kajabi customer service team 24/7 via live chat.

Although, if you opt for the Basic Plan, the staff will only be available on Mondays to Fridays from 9 am to 7 pm. Although it functions as a ticket system you will receive an answer within one day. Even with this, they always reply promptly. They never take too long to reply.

This is one of the reasons why the more expensive plans are worth the extra money if you are not confident about your computer skills. The other two Kajabi plans offer around-the-clock access to support, while the Basic Plan does not.

How to use Kajabi:

Creating a Class:

Kajabi’s course creation is quick, easy, and customizable. Once you provide a name for the product, head over to the upper right side of your screen, and you can see “New Product.” There are 3 pre-built product blueprints for various digital products. You can also create your own listing. Let’s take a look at each 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 allows you to keep your product advertised and constantly making 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
    • 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 offers video hosting for Kajabi. You can also upload bulk files. I Have Kajabi For Free For Life

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.

You can upload multiple videos at once without worrying about bandwidth. In all the Pricing Plans of Kajabi, you are provided with unlimited bandwidth. You can choose to upload from your computer, Dropbox, Google Drive, or by URL links. 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 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. It can also aid in motivating 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. 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.

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

There are some limitations. First, I have observed that the user cannot include both a video and an assessment under the same category.

It does not support randomizing questions, nor question banks. It does however support assessment such as multiple-choice and paragraph-style questions.

Students can also upload files to be checked through the assignment submission feature.

Photos

You can upload a poster photograph for your lessons. Pictures help to set the tone for your website and give your students a visual preview.

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.

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. Others opt to download the course materials and do the tasks offline. This feature was added by Kajabi to make things easier for students. 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.

It is best to add a brief description. This will allow students to understand the content of the lesson and the topics that will be covered in the video. I Have Kajabi For Free For Life

Student Interactions

Community

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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.

Conveniently, you do not need to exit Kajabi to interact with your students and with each other. Kajabi offers a fully integrated feature called Community. This is one of their tools for student engagement.

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 you can make the Community available as a standalone product. Those who are not too keen on purchasing the entire course could just buy access to the discussions.

Organizing Your Topics

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.

In Kajabi, the page administrator is allowed to organize and reorganize the feeds. They can organize the posts by topic or pin specific posts to improve viewability.

Overall, the Community feature is one advantage Kajabi has over its competitors. It is beneficial for entrepreneurs with an online course business.

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Content Access

Kajabi allows you to choose how your students will receive your courses. You can either allow them to receive all the classes and resources at once, drip-feed them on a schedule, or lock your content. This last option tends to increase student engagement because they must complete the lesson before accessing the next. I Have Kajabi For Free For Life

Dripping Course Content

Instead of giving your students everything at once, drip-feeding your courses can be an option.

You can keep your students coming back to your page to see new content by drip-feeding it. This will also prevent your student from skipping important parts of the 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. You can end your lessons with an assessment to be completed. This way, they increase their participation, and you can keep track of their progress in understanding lesson materials.

Course Analytics

Kajabi prides itself on providing the best tools to help entrepreneurs handle their business with the course analytics. It creates heatmaps and videos stats. It will give you insights into which parts of your courses are performing well and which need to be improved.

It also provides information about your affiliates, students, sales transactions, and other relevant information that could help you optimize your products.

Play Rate

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. This is a great feature for visual learners like me. 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

Your students may not be watching your videos just because they opened them. It could have been running in the background, while they did something else. I Have Kajabi For Free For Life

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. It could mean that these are parts that they found interesting or they found 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

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. 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. This is not as good as 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. 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. 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. 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

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.

It can be a hassle to remember the tag you used, or to put it on a separate list for each blog post. I Have Kajabi For Free For Life

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. Depending on what Price Plan you chose, you can have 3, 15, or 100 pipelines.

Kajabi will give you a visual representation of your schematics, and editing is easy 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 provides blueprints to help you start your pipelines. Your chosen blueprint will guide you through the setup of funnels, including landing pages, email automation, offers, and much more. This template was carefully crafted by Brendon Burchard, one of the world’s leading high-performance coaches.

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

Affiliate Program

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 is your business made easy. Depending on your schedules, you can launch email marketing campaigns quickly. This feature allows you to decide on the sequence of the mails, add multiple emails to be sent out in the set sequence, and upsell additional offers. Templates are also available to fit your email’s purpose. 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.

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. I Have Kajabi For Free For Life

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. You will now only be able choose one product. However, there will be many options available for bundles and payment options. You can also decide on the currency of your product’s price.

If you are worried about people not being able to afford your course, you can set it up in multiple ways:

  • Free
  • One-time Payment
  • Multiple Payments
  • Recurring Payments

From here, you may also create coupon codes or generate bulk coupon codes as well as special offers that apply to the coupon.

Payment Methods

Kajabi uses Stripe and Paypal for payment processing. You will be able to customize checkout and create flexible payment options for your students. This comes with the convenience of not paying for transaction fees as Kajabi does not charge you. However, you will have to pay for the costs of its payment methods partners.

One convenient thing about partnering with Paypal is that it makes it easier to pay affiliates their commissions through Paypal Mass Pay with an exported list of all your affiliate sales.

Refunds are also made more straightforward. Kajabi allows you to do refunds without needing to leave the site.

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. 

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. I Have Kajabi For Free For Life

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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. However, you are limited to having only 3 products, 1 website, 3 sales pipelines, and around a thousand members. The Kajabi logo branding will remain on all products. 

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

Growth Plan

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

Fortunately, though, even the basic pricing plan has a lot of features to play with. Most plans have the same basic suite of functions, but they scale according to the pricing plan. For example, the Basic plan only allows for 3 products and 3 pipelines, while the Growth plan allows for 15 products and 15 pipelines. 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.

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 – With this, you can remove Kajabi branding from your website and fully make it your own. 
  • Affiliate advertising – A popular online sales tactic. Through your affiliates, your products will receive a wider reach. Your affiliates will receive commissions for recommending your products to their audiences. 
  • Automation – As discussed earlier, automation makes it easier for you to follow up with your students. With this, the system automatically sends out the programmed response through a prompt. For example, if a student is lagging on assessments, you can set an automated response of an email with supplemental course materials for them. No need for you to keep track of their progress manually. 

We understand that you are not in the business solely to make money as a creator. You want your products to be worthwhile. This is beneficial from a business standpoint since if consumers are getting their money’s worth, they are more inclined to return for more. It’s a win-win situation for both parties. 

Pro Plan 

{This is the priciest plan Kajabi has to offer. But it does come with some pretty neat features. You can market up to 100 products, handle 3 sites and at most, have 20,000 members. Because of the number of courses you can market, you can have 25 admin users to help you manage. You also have access to round-the-clock customer support.|This is the most expensive plan offered by Kajabi. It does, however, have some interesting features. You can sell up to 100 products, manage three websites, and have a maximum of 20,000 members. You can have up to 25 admin users to assist you in regulating the amount of courses you can market. You also get access to customer service 24 hours a day, 7 days a week. 

These features plus all features you would enjoy from both Basic and Growth Plans are included. While there are unlimited landing pages, the advertising emails are limited to two million. 

Access to the Experts Academy is included as part of the Pro Plan. More information on how to sell your brand can be found there. I Have Kajabi For Free For Life

If you chose Kajabi’s Pro Plan, you could set billing monthly for $399 or yearly for $319. Take note, this is a massive investment that you would need to consider. Most big companies or those with a good amount of courses to sell choose this option. But if you are just starting or your business does not warrant the need for a Pro Plan yet, then I would suggest the other two plans. Just my two cents in. You would still get to enjoy a lot of what Kajabi has to offer on the budget you set. 

Moving to Kajabi

If you’re not new to course creation, you’ve probably utilized various platforms. It’s fantastic that you’re still researching company choices and looking for ways to improve. If you have decided to move to Kajabi, another concern would be how to move all of your data into the platform. 

Not to worry, though. Fortunately, you can simply import your members’ names and email using a .csv file. But, you can only do this 500 members at a time. So it would require you to do multiple importations if needed. 

Another thing to 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. I Have Kajabi For Free For Life

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Frequently Asked Questions: I Have Kajabi For Free For Life

  • What does Kajabi mean?

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

    • Currently, Kajabi does not offer a free plan. However, it provides a 14-day trial for you to try out its features. 
  • Is Kajabi worth the money?

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

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

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

    • Yes. You may establish a custom domain using Kajabi’s branding with the Basic Plan (yourdomaintitle.kajabi.com). With the Growth and Pro Plans, you can opt to erase all traces of Kajabi’s branding and have a website solely focused on you. 
  • Does Kajabi have transaction fees?

    • No. There are no transaction fees, but you can still be subject to pay the standard Stripe merchant processing fee. 
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