Kajabi Angie Lee

kajabi-review

Kajabi started as a simple idea of Kenny Reuter wanting to begin a side business teaching people to make toys online. Although he was not that passionate about teaching people online, he was passionate about making it easier for people to sell their knowledge online.

The vision was simple. The Kajabi founders, Kenny Rueter & Travis Rosser, knew that they wanted to help others monetize their knowledge online. 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 popular online learning platforms today. Kajabi has grown to be the online learning platform it is today since its inception in 2010. It has empowered thousands to escape the jobs that no longer fulfill them and help them realize their dreams.

This review will cover the basics of what you need to know about 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.

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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 Kajabi Angie Lee

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. 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. These mechanisms allow you to achieve high conversion rates by turning prospects into potential students by giving efficient marketing funnels. You can add landing pages, freebies that get leads to enter their email addresses, video marketing, and so on.

Once the prospect is enrolled as a student, payments can be made through the site. All without having to leave Kajabi. Kajabi Angie Lee

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. Kajabi allows you to do all of these things and more.

  • Build a website
  • Make course offerings
  • Track student progress
  • Manage subscriptions/payments
  • Run email marketing campaigns

One criticism Kajabi has is on its price. Admittedly, it is pricier than some alternatives. But, take into account that this takes away the hassle of using expensive plug-ins for your business. There is also the added stress of figuring out how to seamlessly make these plug-ins work with each other. This takes time, effort, and money. All 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

Not all great teachers are technologically inclined enough to share their knowledge and information 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. 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. 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.

Kajabi’s email marketing and funnel creations are a great fit for me as a busy entrepreneur. I could easily automate follow-up sequences, and it’s effortless to do too. Kajabi Angie Lee

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.

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. This challenge will teach you everything about the platform and give you strategies to market your products.

Kajabi offers one of the best customer service in the industry. 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, 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

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. Kajabi Angie Lee

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

The Basic Plan does not have 24/7 customer support if you choose to opt for it. However, staff members will only be available Monday through Friday from 9 AM to 7 PM. It functions as a ticket system, but you will find an answer within the day. Even with this, they always reply promptly. 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 go through them one by one:

  • Mini-course
    • A mini-course contains lesser material than the Online Course, but it is pretty easy to complete. This can be used to gauge customer interest as well as build your brand’s value.
  • Online course
    • 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. 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.

Kajabi Angie Lee

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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. Kajabi Angie Lee

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. Uploads can be made from your computer, Dropbox or Google Drive. You can also upload via URL links. It will not accept URLs from Youtube and Vimeo. The uploader searches for the file type in URLs.

Once your files have been uploaded, Kajabi can automatically transform these uploads into articles that you can edit later on. This eliminates the need to go through each post and upload videos one at a time.

With Wistia being the video host, your subscription will be worth it. 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 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. This feature can be used to receive feedback from students on your products, and for content locking.

It takes less than two minutes. Open the People tab in the Dashboard to create assessments. 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.

Second, it does not allow users to randomize the questions or have 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. Having pictures help set the tone of your website and gives your student a visual preview of what you have to offer.

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.

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 can be a huge deal for people who wish to choose 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. 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.

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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. Kajabi Angie Lee

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.

You don’t need to leave Kajabi in order to interact with your students or with each other. Kajabi offers a fully integrated feature called Community. This is one of their tools for student engagement.

Your Community can be protected with a paywall so that patrons have access. This will enable you to address student questions directly and allow students to share their experiences with one another.

Because the Community can be used as a standalone product. You can also buy access to the discussions for those who don’t want to purchase the whole course.

Organizing Your Topics

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, Kajabi’s Community feature is a significant advantage over its competition. 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. Kajabi Angie Lee

Dripping Course Content

You can choose to drip-feed your courses after a pre-set duration instead of allowing your students to receive everything all at once.

When you drip-feed your content, you can keep your student interested in returning to your page to check for new content. Second, this will prevent them from jumping too far ahead and skipping possibly essential parts of your course.

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

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. This way, they increase their participation, and you can keep track of their progress in understanding lesson materials.

Course Analytics

Kajabi is proud to offer the best tools for entrepreneurs to manage their businesses with the course analytics. It creates heatmaps and videos stats. It will give you insights into which parts of your courses are performing well and which need to be improved.

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

Play Rate

Play rate is a way to see how many people have viewed a particular video. Early on, I mentioned how some students opt to read the transcript of the video and download the course material rather than watching.

Average Engagement

The data you receive here is the average percentage of the whole video that your students watched. Since some students prefer to skip some segments of the video, you can get an idea of how well you can keep your students engaged in what you need to say.

Visual Engagement Viewer

This will create a graphic overlay for 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 to have my data presented in graphic form.

The Visual Engagement Viewer displays a report on your students’ engagement with specific parts of the video. Usually, there is a general downhill trend wherein people tend to stop watching at the start of the outro.

Viewer Heatmaps

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. Kajabi Angie Lee

With the Viewer Heatmap, you can now check which segments of the viewers were not that interesting to your students and which parts they repeatedly watched. This could indicate that the students found these parts interesting or difficult. 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. 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. This isn’t too difficult. You can find many tutorials for basic coding by doing a quick internet search.

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Another thing that would probably concern you is text wrapping. You cannot edit the way the text wraps around a picture in the body of your blog unless you deal with the HTML.

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

Kajabi has many great features. However, I find it frustrating that I can’t pick the tags I want to use in my posts. Unlike in other blogs where you can easily refer to previous tags, the tags themselves don’t appear even as suggestions when you type them down.

When you need to add a tag to a post you’re making, it is a pain having to remember which tag you used or put it on a separate list each time you make a blog post. Kajabi Angie Lee

Marketing Tools

These are Kajabi’s most important support for its customers. Kajabi is built to sell. Your business will be safe with so many marketing tools. You have pipelines, automation, and so much more. We will be discussing a few of these features in this section.

Pipelines

Kajabi has developed a platform that makes it easy to sell and market. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. You can have three, fifteen or 100 pipelines depending on which Price Plan you choose.

Kajabi will provide you with a visual representation for your schematics. Editing is simple and intuitive. 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. 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. In it, you can see statistics of clicks, conversions, and other pertinent data to help you market your business.

Automation

Email Marketing

Kajabi makes it easy to start your own business. 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. This freedom is not available in many other options.

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

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. Kajabi Angie Lee

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. Head over to the Offers tab found on the left side and click ‘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. Now, you will only be able to choose one product, but there will be some options for you to choose from in terms of bundles and payment options on the following pages. You can also decide on the currency of your product’s price.

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 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

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. 

Kajabi is a never-ending investment. Kajabi is not just a course-building platform. While pricing may be cheaper for other platforms, you may end up paying for three or more different tools for email services, blogs, and sales pipelines. All of these come with your Kajabi subscription. Because of the extensive tool set, prices are greater than those of competitors. But, Kajabi still provides the best value for money out of all other platforms.

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

To check how the plans differ, below is a thorough discussion of each pricing plan. Kajabi Angie Lee

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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. Some of the crucial marketing tools you’d like to use for your business might not be included in the Basic Plan. Despite Kajabi’s superb customer service, you’ll want to keep your questions to office hours. In contrast to the higher plans, who gets access to a live chat with customer care 24/7. 

Growth Plan

You can subscribe to this tier for $50 extra and get five times the number of courses. The monthly price is $199, but if you pay it annually, it will just be $159. 

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

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. 

Access to the Experts Academy is included as part of the Pro Plan. More information on how to sell your brand can be found there. Kajabi Angie Lee

You could schedule billing monthly for $399 or yearly for $319 if you picked Kajabi’s Pro Plan. Take notice that this is a significant investment that you must consider. This is the option that most large firms or those with a large number of courses to sell pick. But if you are just starting or your business does not warrant the need for a Pro Plan yet, then I would suggest the other two plans. Just my two cents in. You would still get to enjoy a lot of what Kajabi has to offer on the budget you set. 

Moving to Kajabi

For those who are not new to course-creating, you probably used other platforms. It is excellent that you are still considering options for your business and thinking of ways to improve. If you have decided to move to Kajabi, another concern would be how to move all of your data into the platform. 

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

Another thing to note is that your members will have to reset their passwords due to a security issue. This is good news for you and your members. Kajabi takes your business’ security seriously. This means that other platforms will not have access to their information once the move is made. 

Conclusion

Kajabi is a popular choice for many creators, and it has a lot to offer to your business for the price you choose to pay. It has excellent support, a well-integrated system, and is highly beginner-friendly. 

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

Now, this review has given you some insight into the benefits and downsides of choosing Kajabi. Overall, I can still say that Kajabi is a wonderful tool to manage your business from creation to marketing. Kajabi Angie Lee

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Frequently Asked Questions: Kajabi Angie Lee

  • 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 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. 
  • 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). 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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