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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. 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. 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. 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.

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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
  • Wistia is used as a video host

Cons

  • Kajabi prices are higher than average
  • Students cannot be issued custom certificates of completion by users on the platform.
  • Assessment customization is limited.

What is Kajabi?

Kajabi, 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. You have three options: Basic, Growth, and Pro. These options will be discussed later in this review.

After you’ve selected a plan, you can set up an account and upload your content. You can upload your video lectures, give lesson titles and descriptions using the lesson editor.

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

Now you can 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. Landing pages can be added, as well as freebies to get leads to submit their email addresses. Video marketing is another option.

Once the prospect is enrolled as a student, payments can be made through the site. All this without leaving Kajabi. Kajabi Hero Image Size

Now, some features make Kajabi an almost “all-in-one” platform. I will talk about them in the later sections of the review. Kajabi is able to compete with most online courses platforms, thanks to the many features and benefits it provides.

Why choose Kajabi?

You want to maximize your investment as an entrepreneur. Kajabi can help you market valuable content. It includes what you need to jumpstart your business, keep it running and growing.

The business is more than just uploading your course content and waiting for students to sign in. It requires you to build out a curriculum, develop assessments or goals for your students, design your course website, and market it to your target audience. 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 is time-consuming, expensive, and requires a lot of effort. All of which could be avoided under one single platform.

Platforms that are well-designed consider what their users need and want. These platforms can be used to create sales pages, email your students, or do all kinds of marketing activities.

So, if you’re a professional looking to sell your knowledge, I would say, with Kajabi, you will be in safe hands. Kajabi is a powerful, all-in-one tool for creating, marketing and selling online courses.

Kajabi: A Beginner-Friendly Tool

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

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 is suitable for almost everything, save for a few minor features that developers are still working on. As mentioned earlier, you would not need to spend a lot of time finding out which plug-ins or extensions work together well. Imagine, one update could cause these plug-ins to disrupt your business processes.

If you want to save yourself the headache, Kajabi already has excellent tools for creating landing pages and sales funnels and converting visitors into customers. This platform allows you to create courses and market them. To entice students to your courses, you can offer discounts, follow up leads, and manage payments from the Kajabi website.

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

Overall, Kajabi fulfills more than other platforms can do with what it offers.

Tutorials

For people who are complete beginners, there could be some doubt on the truthfulness of this “easy-to-use” claim. But they will be pleasantly surprised to find out that it is indeed true.

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

You can also find videos and tutorials on the Kajabi University to help you get started in creating and growing 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.

Third, one unique feature about the onboarding process is the 28-day “Hero Challenge.” It is essentially a month-long crash course to help you get your website launched and your business making its first sale. 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. 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

If you have got a query that cannot be found in the Kajabi online guides, the next thing you can do is contact customer service. So, if you are stuck on an issue, you can always rely on them to provide you with the answers. Kajabi Hero Image Size

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. Although it functions as a ticket system you will receive an answer within one day. Even with this, they always reply promptly. I do not have to wait too long for my answers.

If you’re not confident in your computer skills, the more expensive plans can be worth it. The other two Kajabi plans offer around-the-clock access to support, while the Basic Plan does not.

How to use Kajabi:

Creating a Class:

Course creation in Kajabi is fast, efficient, and customizable. After you have given a name to your product, you will see “New Product” in the upper right corner of your screen. There are three pre-built product blueprints that can be used for different digital products. You 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. 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. 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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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 provides video hosting for Kajabi, and it is great because you can upload in bulk too. Kajabi Hero Image Size

How to Upload Your Content

Videos

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

As mentioned earlier, you will be able to upload your videos in bulk without worrying about bandwidth. In all the Pricing Plans of Kajabi, you are provided with unlimited bandwidth. You can choose to upload from your computer, Dropbox, Google Drive, or by URL links. However, take note that it would not accept URLs from Youtube or Vimeo as the uploader looks for the file type in the URL.

After your files are uploaded, Kajabi will automatically convert them into articles you can edit later. This 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 fantastic deal.

Assessments

Assessments are great tools to gauge student learning and engagement. Students can gauge their understanding of the material by seeing how they do with lessons. This can motivate them to work harder. You can also use this feature to get feedback from students about your products and if you opt for content locking.

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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. 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

For your lessons, you can upload a poster photo. Pictures help to set the tone for your website and give your students a visual preview.

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.

These certificates can only be created using third-party services such as Canva, Google Slides and Accredible.

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. Some students download course materials and complete tasks offline. To make it easier for your students, Kajabi included this feature. This can be found in the Downloads section on the right side of the page.

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

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You have the option to add a description, or even a transcript to your videos. Students may prefer to review transcripts over watching the entire video.

If you choose to only add a description, it will help students know what the lesson is all about and what topics will be discussed in the video. Kajabi Hero Image Size

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. Some have used Facebook groups over the years. To join the group, you will need to be a member of Facebook.

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

You can even set your Community behind a paywall for patrons to gain access. This Community will allow you to directly address student queries and give students the chance to do the same with each other.

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 hard to listen to your audience and understand them.

In Kajabi, the page administrator is allowed to organize and reorganize the feeds. They can sort the posts by topic and also ‘pin’ specific posts for better viewability.

Overall, Kajabi’s Community feature is a significant advantage over its competition. This feature is very beneficial to entrepreneurs who run an online school.

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Content Access

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. The last one tends to increase student engagement as there is a requirement to finish the lesson first before accessing the next one. Kajabi Hero Image Size

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.

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

Content Locking

Your student must complete a lesson before they can access the next. 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 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. 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. Information presented in text blocks is not the best way to process it. I prefer having my data in graph form.

The Visual Engagement Viewer presents a report of your students’ engagement in specific points of the video. There is usually a downhill trend in which people stop watching the video at the beginning of the outro.

Viewer Heatmaps

Now just because your students opened your videos does not mean that they are watching them. They could have kept it running in the background while they do something else, in the guise of multi-tasking. Kajabi Hero Image Size

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

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

Blogging

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. When you upload a photo on top of a blog post, it will show up in the recommended image size. Kajabi works with HTML. You would have to fiddle with HTML to change some of the dimensions. Of course, this is not too much of a problem. With a quick search on the internet, you will find plenty of tutorials to do some basic coding.

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Another thing that would probably concern you is text wrapping. Without HTML, you cannot change the way text wraps around images in your blog.

Kajabi does not have an image bank. 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.

It can be a hassle to remember the tag you used, or to put it on a separate list for each blog post. Kajabi Hero Image Size

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. There are automation, pipelines and many other features. In this section, we will discuss a few features.

Pipelines

Kajabi has a pipeline built into platforms that will simplify sales and marketing. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. You can have three, fifteen or 100 pipelines depending on which Price Plan you choose.

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

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. 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 makes it easy to start your own business. Depending on your schedules, you can launch email marketing campaigns quickly. This feature lets you choose the sequence of emails, add multiple emails to the set sequence and upsell additional products. Templates are also available to fit your email’s purpose. This freedom is not available in many other options.

Suppose a visitor adds something to their cart but has not yet decided to make the purchase final; you can set up Kajabi to send an email to remind them of your offer. With this, you do not have to manually track the number of sign-ups from your email campaign. Just relax and see the improvement in your conversion rates.

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 Hero Image Size

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.

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 choose the currency for your product’s pricing.

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

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

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

Payment Methods

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

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

Refunds are also made more straightforward. Kajabi makes it easy to request refunds from the site without leaving it.

Kajabi Pricing

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

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.

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 Hero Image Size

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Basic Plan

The lowest-priced plan starts at $149 monthly. If billed annually, you will only pay $119. 

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

However, landing pages and marketing emails are unlimited. The Basic Plan might not contain some of the essential marketing tools you would like to use for your business. 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. So when you buy a higher-tier plan, you are not paying for new functions but expanding the ones you already have. Kajabi also doesn’t charge a transaction fee for any sales made on the site.

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

As a creator, we are aware that you are not in the business to only make money. You want your products to be of value as well. Business-wise, this is valuable because if people are getting their bang for the buck, they will be more likely to return for more. It is a win-win situation. 

Pro Plan 

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

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

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

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 Hero Image Size

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Frequently Asked Questions: Kajabi Hero Image Size

  • 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). You can choose to remove any traces of Kajabi’s branding and create a website that is purely focused on you with the Growth and Pro Plans. 
  • Does Kajabi have transaction fees?

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