Why is Coachli's USD fee 7.5% specifically?

The 7.5% accounts for Stripe's payment processing (2.9% + $0.30 per transaction), credit card network fees, fraud protection, currency conversion buffers, and Coachli's platform fee combined. Most platforms break these into separate line items; Coachli rolls them into a single percentage for clarity. The all-in cost is competitive with most subscription platforms once you add their processing fees.

Will Coachli ever introduce a monthly subscription?

There are no current plans for a paid subscription tier. The no-monthly-fee model is a deliberate positioning choice and core to who Coachli serves.

Can I negotiate a lower transaction fee at high volume?

For creators consistently processing high volumes, contact partnerships@coachli.co to discuss enterprise terms. Standard published rates apply by default.

Is the 4% Naira fee really cheaper than other Nigerian platforms?

Selar charges 4% + ₦50 on Naira, identical to Coachli. Mainstack's base Naira rate is 3% with additional fees on top depending on payment method. For pure Naira processing, fee differences between Nigerian platforms are incremental. The bigger Coachli differentiation comes from session infrastructure, multi-currency, and product breadth.

Can I pass the transaction fee to my customer?

This is generally not recommended; absorbing transaction fees is standard in the creator economy. Marking up your prices slightly to absorb the fee internally is cleaner than adding a visible 'platform fee' line to checkout.

How does this compare to PayPal's fees?

PayPal charges 2.9% + $0.30 per transaction for personal/standard accounts in most countries. Coachli's 7.5% USD fee is higher than PayPal alone, but includes session booking, calendar integration, product hosting, file delivery, video calls, and live class hosting that PayPal does not provide. The comparison is apples-to-oranges.

Does Coachli have any free trial of paid features?

There is nothing to trial because there is nothing paid. The whole platform is free. You pay only when you make a sale.

Why Coachli has no monthly fee

No subscription. No setup fee. No monthly minimum. You pay only when you make a sale: 4% on Naira and 7.5% on USD. Here is what that rate buys you and how the math compares across revenue stages.

Coachli charges no monthly subscription fee. Creators pay only a transaction fee when they make a sale: 4 percent plus ₦50 on Nigerian Naira sales, and 7.5 percent on US Dollar and other Stripe-supported currency sales. This model exists because most coaches and creators start with zero or unpredictable revenue. A $179/month subscription to Kajabi or even $29/month to Teachable represents real risk for creators not yet earning consistently.

Coachli flips that: you pay only when money comes in. This page walks through what Coachli's rate includes (1:1 sessions, live classes, multi-currency processing, no contract risk) and how the math works at every revenue stage, so you can see exactly what you're getting for the per-sale rate.

The two pricing models in the creator economy

There are two main pricing models for creator platforms:

Subscription model

You pay a fixed monthly fee, often $29 to $499+, regardless of whether you make sales. Examples: Kajabi ($179-$499), Teachable ($29-$399), Thinkific ($36-$499), Stan Store ($29-$99), Podia ($9-$199).

Transaction-fee model

You pay only when you make a sale, as a percentage of the sale amount. Examples: Coachli (4% + ₦50 NGN / 7.5% USD), Gumroad (10% + $0.50 per direct sale), Payhip (5% flat on free tier).

Subscription pros

Predictable monthly cost. At high consistent revenue, your effective percentage drops to negligible. Often includes more premium features (advanced marketing automation, complex funnels).

Subscription cons

You pay even in months you do not sell anything. New or seasonal creators absorb the cost of inactivity. Forces upgrade decisions based on artificial contact and product limits.

Transaction-fee pros

No upfront risk. Pay only when you earn. New creators do not subsidise platform costs they cannot yet afford. Aligns platform incentive with your success.

Transaction-fee cons

At very high revenue (say $10K+ USD monthly), your effective fee in dollars exceeds what a subscription would cost. Some advanced features (built-in marketing automation, deep funnel builders) are less mature.

All-in cost comparison at different revenue levels

Worked examples comparing Coachli (transaction-fee) to Kajabi Basic ($179/month + Stripe processing), Teachable Builder ($69/month annual + 0% platform fee), and Thinkific Basic ($36/month annual + 0% platform fee).

At $500/month USD revenue

Coachli: $37.50 (7.5%)
Kajabi Basic: $179 + $14.50 Stripe = $193.50
Teachable Starter ($29/mo annual + 7.5% fee): $29 + $37.50 + $14.50 = $81
Teachable Builder: $69 + $14.50 = $83.50
Thinkific Basic: $36 + $14.50 = $50.50

Takeaway: Coachli is the cheapest at this volume, and the only one with no monthly commitment if your revenue dips.

At $1,500/month USD revenue

Coachli: $112.50
Kajabi Basic: $179 + $43.50 = $222.50
Teachable Builder: $69 + $43.50 = $112.50
Thinkific Basic: $36 + $43.50 = $79.50

Takeaway: All-in costs land close at this volume. Coachli adds native 1:1 sessions, live classes, and multi-currency processing that the course platforms do not offer at any rate.

At $3,000/month USD revenue

Coachli: $225
Kajabi Basic: $179 + $87 = $266
Teachable Builder: $69 + $87 = $156
Thinkific Basic: $36 + $87 = $123

Takeaway: At this scale you should weigh the rate against scope: Coachli bundles session booking, live classes and Naira/USD/GBP/EUR processing into the same rate.

At $5,000/month USD revenue

Coachli: $375
Kajabi Basic: $179 + $145 = $324
Teachable Builder: $69 + $145 = $214
Thinkific Basic: $36 + $145 = $181

Takeaway: At higher consistent USD revenue, flat-fee course platforms get cheaper on raw cost, but they are USD-only and do not include 1:1 sessions or live classes. If those features matter, Coachli still wins on what your rate buys.

What Coachli costs (and includes) at each revenue tier

Monthly USD revenue	Coachli cost (7.5%)	What that includes
Under $1,000	Under $75/mo	Full platform, no monthly fee, full risk removed at the starting stage
$1,000-$5,000	$75-$375/mo	Native 1:1 sessions, live classes, digital products, multi-currency (NGN + USD + GBP + EUR), unlimited contacts and products
$5,000+	$375+/mo	Same all-in scope, plus Stripe reliability and dispute handling that come with mature processor integration. Contact partnerships@coachli.co for enterprise terms at high volume.

Coachli wins clearly when any of the following apply: you sell 1:1 sessions alongside courses, you need live classes natively, your audience pays in Naira (none of the major subscription platforms accept Naira), your audience is mixed-currency, you sell multiple product types (courses + ebooks + audio bundles), or your revenue is unpredictable enough that committing to a monthly fee is risky.

Multi-currency: where transaction fees really shine

For Nigerian creators and other African creators with international clients, the math gets even better.

Coachli charges 4% + ₦50 on Naira sales via Paystack and Flutterwave. None of the major subscription platforms (Kajabi, Teachable, Thinkific) accept Naira natively. Your Nigerian clients would need a dollar-denominated card to pay you on those platforms.

Example: a Lagos-based business coach earning ₦2,000,000/month in Naira plus $1,500/month in USD from diaspora clients.

Coachli: ₦80,000 (Naira fees) + $112.50 (USD fees) ≈ ₦125,000 all-in
Kajabi attempting USD-only: $179/mo + processing ≈ $222, and your Nigerian clients cannot easily pay at all (or pay through expensive USD conversion)

There is no fair comparison here, because subscription platforms do not solve the Naira problem. Coachli is the only platform that handles both currency structures natively in one dashboard.

Coachli is built for creators who need

No monthly fee. Pay only when you make a sale.
Predictable per-sale cost that scales with your revenue, not against it.
Naira processing via Paystack and Flutterwave, included at no extra rate.
Multi-currency dashboard handling Naira, USD, GBP, EUR, GHS, ZAR in one view.
1:1 paid session booking with built-in video, automatic reminders, and session recording.
Live class hosting for up to 10 co-hosts.
Digital product sales for ebooks, courses, audio, video, image bundles.
Unlimited products, unlimited contacts, no contract risk, no contact-tier upgrades.
The freedom to scale unpredictable or seasonal revenue without committing to a fixed monthly cost.

At every revenue level, Coachli's 7.5% USD (or 4% + ₦50 Naira) is all-in: there is no separate platform fee, no contact-limit upgrade cost, no Naira surcharge, and no contract. For creators consistently earning $10,000+/month with US-only audiences and purely course delivery needs, you can run the numbers in the calculator below. Most creators find that what Coachli's rate includes (sessions, live classes, multi-currency, no commitment) is worth more than a fraction-of-a-percent saving on a flat-fee subscription.