Which countries can use Kajabi Payments?

Last updated: September 23, 2026

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How well we know this tool: Free trial — 14-day trial, August 2026. We opened Kajabi's payment setup, which is where the country dropdown and the notice about unlisted countries appear. We did not finish identity verification, connect a provider or take a payment, so the country list below is read from Kajabi's published help pages rather than from a completed signup in each country. What this means.

Kajabi's pricing page does not mention countries. The restriction appears after you sign up, in the payment setup, as a dropdown that either contains your country or does not. If it does not, you cannot use Kajabi Payments and the setup points you to a third-party provider instead. What that costs is less than this page used to say: Kajabi's own pricing-update page states that its third-party provider fee is not charged in regions where Kajabi Payments is unavailable. This page lists the 25 countries, shows the rule Kajabi uses to choose the European ones, and says what being outside them actually changes.

Correction, September 13, 2026. Until this date this page said that outside the supported countries Kajabi's 2% third-party provider fee could not be escaped. That was our inference from the payment setup screen, which tells you to connect a third-party provider and says nothing about fees. Kajabi's pricing-update page says the opposite: “If Kajabi Payments is not available in your region, you will not be charged a 3rd party payment provider fee.” The section on costs has been rewritten and the table that was built on the wrong premise has been removed. The mistake was ours, not Kajabi's.

The 25 countries

Kajabi publishes this in two places. The overview page names 5 countries and then says "Select European countries" — and that phrase is a link. The 20 European names are on the page behind it.

Named on the overview page: United States, Canada, Australia, United Arab Emirates and United Kingdom.

Behind the "Select European countries" link: Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia and Spain.

If your country is not in those two lists, Kajabi Payments is not available to you. The rest of the platform is. What changes is how you take money.

Kajabi states the rule it uses

The European page does not just list countries. It gives the criterion, in one sentence that does not appear on the overview page:

Kajabi Payments is available in select European countries where the primary currency is the Euro.

That is a checkable claim, so we checked it against the European Union's own list. Every one of the 20 countries Kajabi lists does use the euro — there are no exceptions in that direction. But the euro area has 21 members, not 20.

The rule and the list disagree about Bulgaria

Bulgaria uses the euro and is not on Kajabi's list. So a seller there reads a rule that says they qualify, and a list that says they do not.

We cannot tell you which one the product enforces. We did not attempt a signup from Bulgaria, and Kajabi's page does not say whether the list is the authority or the rule is. If you are there, this is worth one email to Kajabi's support before you pay for a year. It is also the reason we are not writing "the euro area" as shorthand for Kajabi's list anywhere on this page: the two are not the same set today.

Being in the EU is not the test

The EU has 27 members. 7 of them are not on Kajabi's list: Bulgaria, Czechia, Denmark, Hungary, Poland, Romania and Sweden. 6 of those use their own currency rather than the euro, which fits the rule Kajabi published. Bulgaria does not.

This matters because "we support Europe" and "we support the EU" are the two things people assume when they read "select European countries". Neither is what Kajabi means.

The payout currency list contradicts the country list

The same European page lists the currencies a Kajabi Payments bank account can hold:

• EUR (Euros)
• CHF (Swiss Franc)
• DKK (Danish Krone)
• NOK (Norwegian Krone)
• SEK (Swedish Krona)
• GBP (British Pound Sterling)
• USD (United States Dollar)

4 of those currencies are issued by countries that are not on the supported list: Switzerland, Denmark, Norway and Sweden. Being able to receive money in a currency is not the same as being able to register a business in the country that issues it, and the page does not say so. Read only the currency list and you would conclude Switzerland, Denmark, Norway and Sweden are covered. They are not, and the rule Kajabi published says why: none of those 4 countries uses the euro.

What being outside the list changes

Outside the 25 countries, Kajabi's payment setup points you to a third-party provider such as Stripe. Kajabi's pricing page lists a fee for using a third-party provider — 2% of revenue on Basic, 1% on Growth, 0.5% on Pro — and the obvious reading is that the fee follows the provider, so a seller with no other option pays it on everything. That is what this page said until September 13, 2026. It is not what Kajabi says. On which transactions the fee applies:

the 3rd party payment provider fee applies to all transactions processed through a 3rd party payment provider (like Stripe) in regions where Kajabi Payments is also available. It does not apply to transactions processed with Kajabi Payments or PayPal in any region, or a 3rd party payment provider in regions where Kajabi Payments is not available.

And, asked directly whether it applies where Kajabi Payments is unavailable:

If Kajabi Payments is not available in your region, you will not be charged a 3rd party payment provider fee.

So for a seller outside the list, on Kajabi's published terms, the costs are the plan and the provider's own card rate — the same two lines as any platform without a transaction fee. The surcharge is a cost for sellers inside the list who choose their own provider over Kajabi Payments, and PayPal is exempt from it everywhere, per the footnote on the pricing page. That arithmetic is on its own page.

The surcharge on Basic, by where your business is registered and which provider you use. From Kajabi's pricing page and pricing-update page, read 2026-09-13. Growth and Pro follow the same pattern at 1% and 0.5%.

What you do lose outside the list

The Kajabi Payments setup screen we opened during the trial presents it as more than a card processor. The screen offers Apple Pay, Google Pay, Afterpay and Klarna at checkout, automated sales tax collection, and connections to QuickBooks Online and Xero. We did not switch any of them on, and we have not checked which of them a connected Stripe account can replicate on Kajabi, so read this as what the screen advertises rather than a tested gap.

One trade-off is written on the settings themselves: the option to revoke a customer's access automatically after a failed payment is marked as available with Stripe and Kajabi Payments only. So PayPal, the one route that avoids the surcharge inside the list, is also the route that gives up that automation.

Who this does not apply to

If you are in United States, Canada, Australia, United Arab Emirates and United Kingdom or one of the 20 listed European countries, the country question does not touch you. The fee question does: Kajabi Payments is available to you, and choosing your own provider over it is exactly what the surcharge is charged for.

Also not covered here:

• Whether Kajabi's list changes after the date at the bottom of this page — it is a help article, not a contract, and it moved once already when the European names were split onto a separate page
• What your own provider charges you, which is the only per-sale cost left once the surcharge is off the table
• Whether a company registered in a supported country but operated from elsewhere qualifies — Kajabi's wording is about where the business is registered, and we did not test it
• Tax, invoicing and VAT treatment, which are separate from the fee question entirely
• Whether Kajabi is the right platform for you at all — this prices one restriction, not the product

A country restriction is not a scandal. Payment processing is regulated per country and every platform draws a line somewhere. The problem is where the line is written down: not on the pricing page, not in the plan comparison, but in a help article two links deep, after you have already signed up.

Check it yourself

The 5 headline countries are on Kajabi's Kajabi Payments overview. The 20 European names, the criterion quoted above and the currency list are on the European setup page behind the "Select European countries" link. Both were read on 2026-09-02.

The euro area and EU membership figures are the European Union's own: countries using the euro and EU countries, read the same day. Plan prices and the surcharge rates come from https://kajabi.com/pricing, checked September 23, 2026. The two sentences quoted above, on where the fee is and is not charged, are on Kajabi's pricing-update page, read 2026-09-13.

To put your own revenue through the same formula, our course platform fee calculator has a checkbox for using your own payment provider.

What each Kajabi plan costs, and the card rates Kajabi lists for the UK, Europe, Canada and Australia (we have not read its page for the United Arab Emirates), are on Kajabi pricing.

If you are going to sign up anyway

This is our affiliate link: start a Kajabi trial. If you subscribe through it, Kajabi pays us a percentage, and it costs you nothing extra.

We are putting it below the country list rather than above it on purpose. If you are outside the 25 countries, you lose Kajabi Payments and whatever comes with it, and you should know that before you pay for a year — we are paid the same whether you read that part or skip it.

Country lists read 2026-09-02; prices checked September 23, 2026 against the vendor's public pages. If a number here is out of date, tell us at hello@feesandfigures.com and we will fix it and note the change at the top of this article.