Kajabi Vs Before We Go

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.

The vision was simple. Kajabi founders Kenny Rueter and Travis Rosser knew they wanted to help people monetize their knowledge and premium digital content 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.

General Overview Kajabi Vs Before We Go

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. We will discuss them later in this review.

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

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

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

When the prospect becomes a student, you can process payments through the site. All without having to leave Kajabi. Kajabi Vs Before We Go

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. 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. You will need to create a course curriculum, set goals and assess your students, make sure your website is attractive to your target audience, and market it. Kajabi allows you to do all of these things and more.

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

Kajabi’s price is one thing that has been criticized. It is more expensive than other alternatives, but that’s okay. 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 this could be avoided by using one platform.

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

So, if you’re a professional looking to sell your knowledge, I would say, with Kajabi, you will be in safe hands. 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. Even with the willingness of some to learn, the process can be complex and confusing too. 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. You can create and market courses using this platform. To entice students to your courses, you can offer discounts, follow up leads, and manage payments from the Kajabi website.

Kajabi’s email marketing and funnel creations are a great fit for me as a busy entrepreneur. It was easy to automate my follow-ups and it is very simple. Kajabi Vs Before We Go

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 offers a lot of support 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. The challenge covers all you need to know about the platform, as well as some strategies for successfully marketing 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 Vs Before We Go

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. 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:

Kajabi’s course creation is quick, easy, and customizable. Once you provide a name for the product, head over to the upper right side of your screen, and you can see “New Product.” There are 3 pre-built product blueprints for various digital products. You also have the option to create a custom listing. Let’s go through them one by 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
    • These are full-blown courses your students can take, from workshops to seminars and lectures about your expertise.
  • Evergreen Training
    • The Evergreen Course allows you to keep your product advertised and constantly making sales. Essentially, after you launch it, it will keep creating passive income for you. Marketing aside, this option allows you to trickle feed your content to your students and keep them interested.
  • Blank
    • This is an excellent option if you are an advanced user who wants to customize your content.

Kajabi Vs Before We Go

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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 a wide variety of file types, so you can include videos, audio, pdf, and text documents in your lessons. Wistia offers video hosting for Kajabi. You can also upload bulk files. Kajabi Vs Before We Go

How to Upload Your Content

Videos

Kajabi provides built-in streaming through Wistia as a 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. All Pricing Plans at Kajabi include unlimited bandwidth. You can choose to upload from your computer, Dropbox, Google Drive, or by URL links. It will not accept URLs from Youtube and Vimeo. The uploader searches for the file type in URLs.

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

Now, with Wistia as the video host, rest assured that alone makes your subscription worth it. A standalone Wistia subscription can set you back at $99 per month. You can get Kajabi’s Basic Plan for $119/year if you add $20. This is a fantastic deal.

Assessments

Assessments are great tools to gauge student learning and engagement. When they can see how well they are doing with their lessons, the students can determine whether or not they understand the course material. 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.

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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.

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.

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.

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

Photos

For your lessons, you can upload a poster photo. 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

Kajabi is almost an “all-in” platform. This is due to its inability to provide certificates to students who have completed 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

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.

Body

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

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

Student Interactions

Community

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With eLearning, it would be great for platforms to provide an avenue where students and members can engage with each other and discuss subjects in their course materials, similar to how they would do if they were in a traditional classroom setting. Over the years, some have utilized Facebook groups, but that would require you to join Facebook and apply for the group membership.

Conveniently, you do not need to exit Kajabi to interact with your students and with each other. Kajabi 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 will enable you to address student questions directly and allow students to share their experiences with one another.

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

Organizing Your Topics

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.

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

Overall, the Community feature is one advantage Kajabi has over its competitors. 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 Vs Before We Go

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. 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. You can increase their participation and keep track of how they understand the lesson material.

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

The play rate gives data on how many people have watched a specific 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

With this comes a graphical overlay in your video. This is a great feature for visual learners like me. I am not able to process information well when it’s all presented in blocks of text. I prefer having my data in graph form.

The Visual Engagement Viewer presents a report of your students’ engagement in specific points of the video. 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 Vs Before We Go

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. 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. Students can get updates and additional information about your products, while new customers are introduced. A solid blog can increase traffic and generate leads that could lead to potential students.

Kajabi still has a lot to do in this area, however. This is not as good as 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.

You will need to learn basic programming to personalize your Kajabi blog’s photos. Uploading a photo to a blog post will display it in the recommended size. Kajabi works with HTML. You would have to fiddle with HTML to change some of the dimensions. Of course, this is not too much of a problem. You can find many tutorials for basic coding by doing a quick internet search.

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

Kajabi does not have an image bank. You would have to upload a photo you’ve used previously in another article. These are the things Kajabi will hopefully focus on in his subsequent updates.

Tagging

While I enjoy most of Kajabi’s features, one thing that gripes me is the hassle of being unable to pick from existing tags in my post. The tags don’t show up as suggestions, unlike other blogs that allow you to refer to past tags.

It can be a hassle to remember the tag you used, or to put it on a separate list for each blog post. Kajabi Vs Before We Go

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. 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 give you a visual representation of your schematics, and editing is easy and intuitive. There is a drag-and-drop editor for you to add videos, offers, images, and other elements that can help you achieve high 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. 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 is your business made easy. You can quickly launch email marketing campaigns depending on the schedules you have set. 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.

You can also use Kajabi to integrate with other email platforms.

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 Vs Before We Go

How to Price Your Products

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

Once you have determined the price, Kajabi gives a simple method for pricing your products. Click on the Offers tab to the left and select ‘Add New Offer’.

They can be sold individually or packaged together. Once you make a new deal, you will receive a prompt to enter the title offers, product, and cost. 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 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.

Partnering with Paypal makes it easy to pay affiliates via Paypal Mass Pay. This includes an exported list of all sales.

It is also easier to request refunds. Kajabi allows you to do refunds without needing to leave the site.

Kajabi Pricing

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As mentioned earlier, Kajabi’s pricing can seem higher than other platforms. Because of the platform’s cost, most individuals would undoubtedly be hesitant to use it. 

Well, one thing I can say is that it is an investment that keeps on giving. Kajabi is not just a course-building platform. Even though it’s a bit more expensive than other platforms, keep in mind that you do not need to pay separately for three or more different tools for email services, blogs, and sales pipelines. All of these come with your Kajabi subscription. 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 Vs Before We Go

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

Growth Plan

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.

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 – Automation, as previously said, makes it easy for you to follow up with your students. The system then uses a prompt to automatically send out the predetermined response. If a student is falling behind on examinations, for example, you can send them an automatic email with extra course materials. There’s no need for you to manually follow their progress. 

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 Vs Before We Go

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

Moving to Kajabi

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

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

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

Conclusion

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

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

Now, 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 Vs Before We Go

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Frequently Asked Questions: Kajabi Vs Before We Go

  • 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. 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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