Kajabi Contact Number

kajabi-review

Kajabi was originally an idea by Kenny Reuter, who wanted to start a side-business teaching people how to make toys online. He was not passionate about teaching online but he was passionate to make it easier for people who wanted to share their knowledge online.

The vision was simple. The Kajabi founders, Kenny Rueter & Travis Rosser, knew that they wanted to help others monetize their knowledge online. To do so, they would need a platform that makes the process painless and seamless for entrepreneurs.

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. This includes online course creation, marketing, pricing, and so much more. With this, you will have a good idea of what you will get should you choose Kajabi as your platform.

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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. Do check out our article below, however, because it has a comprehensive overview of Kajabi.

General Overview Kajabi Contact Number

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
  • Uses Wistia 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, 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. The platform boasts of how easy it is to use. You can start by purchasing a plan. There are three options available: Pro, Growth, or Basic. These options will be discussed later in this review.

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

Assessments are easily done by typing the questions and giving options (if you have chosen the multiple-choice type ).

Assuming this is all done, you’re now ready to market your products. In Kajabi, you can build pipelines. These mechanisms allow you to achieve high conversion rates by turning prospects into potential students by giving efficient marketing funnels. 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. Kajabi Contact Number

Now, some features make Kajabi an almost “all-in-one” platform. These features will be discussed in the next sections. But, Kajabi can go head-to-head and over most online course platforms with the features and benefits it offers.

Why should you choose Kajabi:

You want to maximize your investment as an entrepreneur. If you have valuable content that you would like to market, Kajabi provides excellent support for your needs. It includes what you need to jumpstart your business, keep it running and growing.

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.

  • Create 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. You also have to figure out how to make the plug-ins seamlessly work together. This takes time, effort, and money. All of which could be avoided under one single platform.

Good platforms think of what their users want and need. These platforms 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

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. That is why the Kajabi creators designed the platform to be accessible and understandable even to those who have a problem with computer work.

The platform utilizes a visual layout that makes it intuitive and super simple to use. 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. 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 Contact Number

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. Some of these topics cover creating your online courses, marketing your products on social media and other platforms, and setting up payments.

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

If your queries aren’t answered, Kajabi has one of the best customer support out there. 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. I have had no problems so far with their handling of things.

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

Customer Support

If you have got a query that cannot be found in the Kajabi online guides, the next thing you can do is contact customer service. If you have any questions, they can help you. Kajabi Contact Number

With the Growth and Pro Plan, you can access the 24/7 Kajabi customer support team live chat.

The Basic Plan does not have 24/7 customer support if you choose to opt for it. However, staff members will only be available Monday through Friday from 9 AM to 7 PM. It functions as a ticket system, but you will find an answer within the day. They always respond promptly, even with this. I do not have to wait too long for my answers.

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

How to use Kajabi:

Creating a Class:

Course creation in Kajabi is fast, efficient, and customizable. Once you provide a name for the product, head over to the upper right side of your screen, and you can see “New Product.” There are 3 pre-built product blueprints for various digital products. You also have the option to create a custom listing. Let’s take a look at each one.

  • Mini-course
    • A mini-course contains lesser material than the Online Course, but it is pretty easy to complete. You can use this to gauge customer interest and also build your brand value.
  • Online course
    • From short workshops to seminars to lectures about your area of expertise, these are full-blown courses that your students can avail.
  • Evergreen Training
    • The Evergreen Course allows you to keep your product advertised and constantly making sales. It will generate passive income for you even after it is launched. This option, aside from marketing, allows you to drip feed your content to students to keep them interested.
  • Blank
    • If you’re an advanced user and want to fully customize your content, this is a good option for you.

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You can use Kajabi’s intuitive editor to upload your courses. These can be uploaded from your computer, Dropbox, or Google Drive.

Kajabi supports 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 Contact Number

How to Upload Your Content

Videos

Kajabi provides built-in streaming through Wistia as a video host. There will be an icon that you can spot immediately, and it will ask you to upload either a video or an assessment.

You can upload multiple videos at once without worrying about bandwidth. All Pricing Plans at Kajabi include unlimited bandwidth. Uploads can be made from your computer, Dropbox or Google Drive. You can also upload via URL links. However, take note that it would not accept URLs from Youtube or Vimeo as the uploader looks for the file type in the URL.

Once your files have been uploaded, Kajabi can automatically transform these uploads into articles that you can edit later on. This saves you the hassle of going through the posts and uploading videos one by one.

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

It takes less than two minutes. You can create assessments by opening the People tab from the Dashboard. Select Assessments, then +New Assessment, and follow the prompt to start 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.

Second, it does not allow users to randomize the questions or have question banks. It does however support assessment such as multiple-choice and paragraph-style questions.

Your students can also upload files for you to check through its assignment submission feature.

Photos

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.

You can easily upload images by clicking on the Pick File button on the right side of the editor.

Certificates

I would consider Kajabi as an almost “all-in-one” platform because of its inability to natively provide certificates to students who complete the courses. Kajabi allows creators to issue certificates of completion but they cannot be issued onsite.

To create these certificates, you would have to rely on third-party services like Canva, Google Slides, Accredible, or SmartDraw.

Personally, I do not mind this for my business, but some would find it a minor hassle.

Another thing, Kajabi does not indicate the amount of time spent studying the courses or any continuing education credit. This is a major problem for those who want to use eLearning to earn credit. I think that the Kajabi creators should highly consider this.

Downloads

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. 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.

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 Contact Number

Student Interactions

Community

It would be wonderful for eLearning platforms to allow members and students to interact with one another and discuss topics in their course materials. This is similar to what they would do in a classroom setting. Some have used Facebook groups over the years. To join the group, you will need to be a member of Facebook.

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

Your Community can be protected with a paywall so that patrons have access. This Community will allow you to directly address student queries and give students the chance to do the same with each other.

Because you can make the Community available as a standalone product. 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. 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 difficult to understand your audience and listen to them.

Kajabi allows the administrator to organize and reorganize 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. 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. Kajabi Contact Number

Dripping Course Content

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

You can keep your students coming back to your page to see new content by drip-feeding it. 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

Your student must complete a lesson before they can access the next. An assessment can be given at the end of lessons. This way, they increase their participation, and you can keep track of their progress in understanding lesson materials.

Course Analytics

Kajabi is proud to offer the best tools for entrepreneurs to manage their businesses with the course analytics. What it does is create heatmaps and video stats. Through it, you will get insights on which aspects of your courses are doing well and which ones need to improve on.

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. 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

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 presents a report of your students’ engagement in specific points of the video. Usually, there is a general downhill trend wherein people tend to stop watching at the start of the outro.

Viewer Heatmaps

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

The Viewer Heatmap allows you to see which parts of the viewers are not interesting to your students, and which ones they have viewed repeatedly. This could indicate that the students found these parts interesting or difficult. Thus, there was a need to rewatch to review.

You can trust that Kajabi will provide you with a valuable array of analytic tools to better your content. The best thing to do with your data is to help you develop a strategy to guide your business decisions.

Blogging

Strong blogs can make a big difference in promoting your company. 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.

Kajabi still has a lot to do in this area, however. It is not on the same level as what you would have with something like WordPress. But still, the fact that you can place everything in one place without needing to exit Kajabi makes up for its shortcomings.

Basic HTML Know-How

You don’t need to know how to code in order to create your website or customize any Kajabi-related items. However, it is 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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Text wrapping is another thing you should be concerned about. 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

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 Contact Number

Marketing Tools

These are Kajabi’s most vital support for its users. Kajabi is built to sell. With so many marketing features, your business will be in safe hands. You have pipelines, automation, and so much more. 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 provides blueprints to help you start your pipelines. The blueprint you choose will help you set up funnels including landing pages, email automation and offers. This template was carefully crafted by Brendon Burchard, one of the world’s leading high-performance coaches.

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

Affiliate Program

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. It becomes easier for you to give them the agreed-upon commission. 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. You can also use templates to suit your email 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

Kajabi integrations allow you to manage your entire business from one platform. Currently, Kajabi has 10 native integrations. To name a few, it has ConvertKit, Aweber, MailChimp, and Active Campaign. Kajabi Contact Number

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. After you create a new deal you will be prompt to enter title offers, product and cost. Now, you will only be able to choose one product, but there will be some options for you to choose from in terms of bundles and payment options on the following pages. You can also decide on the currency of your product’s price.

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

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

You can also generate coupon codes, bulk coupons codes and special offers to apply to your coupon from this page.

Payment Methods

Kajabi uses Stripe or Paypal to process payments. You will be able to customize checkout and create flexible payment options for your students. Kajabi doesn’t charge transaction fees so this comes with the convenience. But, you do have to answer to the cost of its payment method partners.

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

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. Because of the platform’s cost, most individuals would undoubtedly be hesitant to use it. 

Kajabi is a never-ending investment. Kajabi is not just a course-building platform. 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. 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. 

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

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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. 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. 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 – 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. 

A bonus to getting the Pro Plan is access to the Experts Academy. In it, you will find more information on how to market your brand. Kajabi Contact Number

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

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 keep in mind is that owing to a security issue, your members will need to reset their passwords. This is excellent news for you and your colleagues. Kajabi is concerned about the safety of your company. This means that after the switch is done, other platforms will no longer have access to their information. 

Conclusion

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

As previously said, Kajabi’s goal is to assist you streamline and profit from your business processes in one place. It gives you the advantage to take your products to new heights thanks to its numerous marketing capabilities. 

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

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Frequently Asked Questions: Kajabi Contact Number

  • 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. 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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