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A price-tag card on the left against a tall stack of platform modules on the right, over a faint grid

Buy-once cart vs platformmedia buyer software

ThriveCart vs Kajabi

By Dana Rourke, Lead reviewer. Reviewed by Campaign Buyer Editorial. Updated 3 October 2026.

The ThriveCart home page, captured from the vendor's own site
ThriveCart, from $37/mo billed annually.
The Kajabi home page, captured from the vendor's own site
Kajabi, from $179/mo.

Quick answer

Pick ThriveCart if you already have your pages, your email and your audience and want a proven, deep checkout you can buy once, with order bumps, one-click upsells and an affiliate centre and no cut taken on your sales; pick Kajabi if you are building a whole knowledge business and want the courses, the community, the memberships and the strongest delivery experience in the category under one login, and can justify its higher monthly price as you grow.

Side by side

ThriveCart Kajabi
What it is Buy-once creator cart Creator business platform
Best for A deep checkout you own A whole knowledge business
Core strength Checkout, bumps, upsells Course and community delivery
Sells courses Yes, via Learn Yes, the core focus
Community and app No Deep: cohorts, community, app
Email and funnels No, connect your own Included
Checkout depth Deep, split-tested Lighter, built-in
Failed-payment recovery Dunning on Pro+ Included
Cut of sales None (processor fee) None (processing fees apply)
Pricing model Buy once, or monthly Monthly, from $179
Entry price $37/mo annual $179/mo

If you are down to ThriveCart and Kajabi, you already know roughly what you are buying: a way to take the money for a course, a coaching program or a digital product, and a place to deliver it. Both can do both. The reason the choice is hard is that they start from opposite ends. ThriveCart is a checkout you buy once and keep. Kajabi is a platform you rent that runs the whole business around the sale. Pick the wrong one and you either bolt a course-and-community suite onto a simple offer, or run a serious knowledge business through a cart whose strength is the sale rather than the teaching.

The one question that decides it

Do you want to own a checkout, or rent a whole business?

Put another way: is the thing you are missing a better place to take the payment, or a better place to teach, host and keep the people who buy? If your pages, your email and your audience already exist and your offers convert fine except that each order could be worth more, you are ThriveCart's buyer. If you are building the product itself, a course people should finish, a membership they should renew, a community they keep opening, and you want it all behind one login, you are Kajabi's. Each reaches a little into the other's territory. Neither does the other's job as well as its own, and paying for the strength you will not use is the most common regret with both.

A single node splitting into two paths: one ending in a checkout receipt card, the other in a stack of platform modules
One decision, two directions: a checkout you own, or a platform that runs the whole business.

The case for ThriveCart

ThriveCart's reputation was built on a price you pay once. Its checkout is the deepest part of it and the reason creators reach for it: order bumps add a companion product with a single checkbox, one-click upsells charge the same card again after the first purchase, checkout pages can be split-tested, and a built-in affiliate centre lets your partners sell for you. It also hosts courses through its Learn area and connects Stripe, PayPal or Authorize.Net for the money, adding nothing of its own on top of the processor's fee. For a seller who already has traffic and an audience and wants each order to be worth more, it is hard to argue with.

The trade-offs come from what it leaves to other tools. The money runs through the one processor you connect, so a declined card has no second account to fall back to, and it cannot route payments across merchant accounts. Its own failed-payment recovery, with reminder emails and deeper subscription reporting, is only available on the higher Pro+ tier. Below that, the processor decides how many times a failed charge is retried, and Authorize.Net does not retry at all. Course delivery is real but basic next to a dedicated platform: Learn hosts the lessons, without cohorts, a community or a branded app. In 2026 ThriveCart added monthly plans, Standard at $37 a month and Pro+ at $67, both on annual terms and each with a 30-day trial, but its FAQ confirms the one-time lifetime licence is still available for buyers who would rather pay once.

The case for Kajabi

Kajabi comes at the same buyer from the delivery end. Since 2010 it has become one of the most complete homes for a knowledge business, and the praise from long-time users is consistent: everything in one place. Courses with cohorts and drip content, communities, memberships, podcasts, email, landing pages, funnels, a checkout with subscriptions, order bumps and upsells, and a branded mobile app on the top plan. If your product is a course people should actually finish or a membership they should renew, Kajabi's delivery is the strongest in this pair, and it takes no revenue share on any plan.

Its weak spot is cost, and it got worse in 2026. A January restructure raised prices and cut the entry Basic plan's contact limit to 2,500, and long-time customers lost their grandfathered rates, which drew a visible backlash. The entry plan is now $179 a month, about $143 on a yearly contract, with no free plan, and affiliates and advanced automations are locked to the Growth plan and up. Kajabi only pays off once you are genuinely selling. Its checkout has bumps and upsells, but fewer of the aggressive order-value and page-testing options ThriveCart puts at the centre, because Kajabi spends its effort on delivery.

Both of these assume you are selling to an audience you build: a list, a following, a community you already have. Neither is built around the paid ad click, and if your growth comes from buying traffic on Meta, Google or TikTok, there is a gap both leave that is worth naming before you commit.

ElasticFunnels is a funnel platform built for that buyer. Its lead feature is same-URL split testing: page variants rotate server-side under one campaign link, so the ad platform keeps its optimization and a test never sends the ad back through review. Around that it builds the pages, with an AI builder that can write a page from a prompt or clone one from a URL, hosts a checkout with order bumps and one-click upsells, and keeps the click, the order, the rebill and the refund on one record with a CRM and attribution on the same data. For a media buyer, that single record means you see which ad and which angle made money without reconciling exports from separate tools.

Set against these two, it is wider in one direction and narrower in another. It has no course or community area, so if delivering a membership experience is your product, Kajabi stays the better fit. ThriveCart is a cart you buy once and attach to anything, while ElasticFunnels bundles pages, checkout and reporting on a monthly plan. What it adds over both is testing that keeps ad learning intact and one source of truth for paid campaigns. What it lacks is a track record: ElasticFunnels is newer than either of these, and there is very little independent third-party review coverage to check its claims against, so until you run real volume through it you are largely taking the vendor's word for it. That is what you would expect of a platform this recent next to a cart with years of goodwill and a platform running since 2010. Its 14-day trial needs no card, every feature is on every plan from $97 a month, and it adds 0.5% only on revenue through its own hosted checkout, so you can prove the split testing and the checkout on your own campaigns before you pay.

Which one for you

Pick ThriveCart if you have the pages, the email and the audience and want a proven checkout that lifts the value of every order, bought once instead of rented, and you do not need a course-and-community platform around it. Budget for Pro+ if you sell subscriptions and want its dunning. Pick Kajabi if the course, the community and the membership are the product you want people to keep, and the sales will cover its higher monthly price. And if the engine is paid traffic rather than an audience you already own, weigh a funnel platform like ElasticFunnels alongside both. Either way, read our full ThriveCart review and Kajabi review first, and browse the other head-to-heads and the full ranking before you commit.

ThriveCart

What works

  • A lifetime licence has long been the draw, so nothing recurring lands on your bill once you have bought in
  • Creator-focused cart features are strong: order bumps, one-click upsells, split-tested checkouts and a built-in affiliate centre
  • Connects Stripe, PayPal or Authorize.Net and adds nothing of its own on top of the processor's fee
  • Once on Pro+ it adds its own reminder emails, subscription analytics and deeper reporting

What to watch

  • The money runs through the one processor you connect, so a declined card has no second account to fall back to
  • No high-risk support either. The big gateways all bar those categories, and ThriveCart cannot work around the ban
  • How hard a failed payment is retried is the processor's job. Authorize.Net does not retry at all, and ThriveCart's own reminders need the Pro+ tier
  • Disputes sit with the processor, not with ThriveCart, so it brings no dedicated chargeback tooling to lean on

Kajabi

What works

  • Runs the whole knowledge business from one login: courses, coaching, memberships, a community, email, landing pages, funnels and checkout, so you are not paying for five tools that do not talk to each other
  • Built for delivery. The course builder, cohorts, community, podcasts and a branded mobile app make the student experience the strongest part, which is where a pure funnel builder is thin
  • Takes no revenue share on any plan. You pay the monthly fee and card processing, and nothing extra per sale
  • Well reviewed by long-time users, who most often praise having everything in one place and a builder that is straightforward to set up
  • Checkout handles subscriptions, one-time payments, order bumps, upsells and downsells, with automated tax

What to watch

  • Expensive, and more so since the January 2026 restructure. The entry Basic plan is now $179 a month (about $143 billed annually), its contact limit was cut to 2,500, and affiliates and advanced automations are locked to the $249 Growth plan and up
  • Long-time customers lost grandfathered rates in the 2026 change, and price plus support are the two most common complaints in recent reviews
  • If you only need to sell a simple offer through a hard-driving funnel, you are paying for course and community tools you may never open
  • Its funnel and checkout are lighter than a dedicated funnel tool, with fewer aggressive upsell and page-testing options than ClickFunnels
  • Some users find the initial setup time-consuming, and there is no dedicated tech support for your students

Pricing

ThriveCart: from $37/mo billed annually. Standard $37/mo billed annually or $47/mo monthly; Pro+ $67/mo annual or $87/mo monthly (30-day trial). Lifetime Standard still sold at checkout.thrivecart.com/thrivecart-standard-account/ (commonly $495). Pro+ annual add-on for affiliates, dunning, multiple bumps, custom domains. 0% platform fees on sales.

Kajabi: from $179/mo. Basic is $143 a month billed annually or $179 monthly. Growth is $199 or $249. Pro is $399 or $499. Kajabi takes no revenue share, and every plan has a 30-day money-back guarantee. Kajabi Payments charges 2.9% plus $0.30 on Basic, down to 2.7% plus $0.30 on Pro. A third-party processor adds 2%, 1% or 0.5% by plan, PayPal excluded. Extra contacts come in blocks of 25,000 for $125 a month.

Prices as of 12 October 2026

Our pick

ThriveCart

ThriveCart is the checkout to pick if you sell courses or digital products and want a capable cart at a flat, buy-once price. It leans on whichever processor you connect for the actual money, so it cannot route payments to a second account, cannot serve high-risk sellers, and only adds its own dunning on the Pro+ tier.

Frequently asked questions

Which is cheaper, ThriveCart or Kajabi?
ThriveCart is cheaper to start, at $37/mo billed annually against $179/mo for Kajabi. The entry numbers meter different things. ThriveCart can be bought once for a lifetime licence, or paid at $37 a month on annual Standard and $67 on Pro+, and it takes no cut of its own on sales beyond your processor's fee. Kajabi is a recurring platform bill from $179 a month, about $143 on yearly terms after its 2026 rise, up to $499, and also takes no revenue share, though its own card processing runs about 2.7% to 2.9% plus 30 cents a sale and a third-party processor adds up to 2% on top by tier. Price ThriveCart on whether you will sell for years, and Kajabi on whether you will use the courses, community and email as well as the cart.
Is ThriveCart or Kajabi better for selling an online course?
It depends on whether the course is the whole business. If people should finish it, renew a membership and keep opening a community, Kajabi's delivery is the stronger choice: cohorts, drip content, a community and a branded app are built in, and long-time users say the consolidation is the point. ThriveCart sells a course through a sharper checkout and hosts the lessons in its Learn area, so it fits a creator who already has the audience, wants each order to convert and be worth more, and is content with simpler delivery. If the teaching experience is the product, lean Kajabi. If the sale is the hard part and delivery can stay simple, lean ThriveCart.
Does ThriveCart or Kajabi take a cut of my sales?
Neither takes a revenue share on any plan. ThriveCart charges only its plan or one-time licence, plus whatever your payment processor charges on each sale. Kajabi takes no cut either, but its own card processing runs about 2.7% to 2.9% plus 30 cents a sale, and if you use a third-party processor Kajabi adds 0.5% to 2% on top depending on your tier. Your own card fees apply with both, so compare the running cost on your real volume.
What if you buy your own paid traffic to the offer?
Then weigh a funnel platform such as ElasticFunnels too. It tests page variants under one ad link and records each sale against the ad that drove it, which neither of these does. It is far younger, with little outside review coverage yet, so prove it on the 14-day no-card trial.

Sources

Other sources

3 discussions and reviews read for this page. Quotes are excerpts; open a link to read the original in context.

  1. [tc-impressed] Do any of you really use thrivecart? Reddit
  2. [tc-notcart] Do any of you really use thrivecart? Reddit
  3. [tc-proplus] Thoughts on ThriveCart? Reddit
Dana Rourke

Written by

Dana Rourke

Lead reviewer

Dana Rourke is the lead reviewer at Campaign Buyer. She owns the tracker and attribution coverage: reading what long-term users report about each tool, checking its documentation and pricing, and verifying prices with the vendor before writing the verdict. Keeping the rankings honest mostly means writing down what the top pick gets wrong, so she does that first.

danar@campaignbuyer.com

Last checked 2026-10-03