The Mpesa Paybill service remains one of the most convenient and reliable cash collection methods in Kenya, allowing businesses to collect payments seamlessly from customers. This revolutionary payment system simplifies transactions, ensuring efficiency and security for both parties. Below is a detailed breakdown of the Mpesa Paybill transaction charges for 2025 and additional key highlights of the service.
Mpesa Transaction Charges for 2025
Paybill Charges
The charges customers incur while making payments via Mpesa Paybill vary depending on the transaction amount. Below is the detailed tariff:
| Transaction Range (KES) | Transfer to Mpesa Users (KES) | Transfer to Other Mobile Money Users (KES) | Withdrawal from Agent (KES) |
|---|---|---|---|
| 1 – 49 | Free | Free | N/A |
| 50 – 100 | Free | Free | 11 |
| 101 – 500 | 7 | 7 | 29 |
| 501 – 1,000 | 13 | 13 | 29 |
| 1,001 – 1,500 | 23 | 23 | 29 |
| 1,501 – 2,500 | 33 | 33 | 29 |
| 2,501 – 3,500 | 53 | 53 | 52 |
| 3,501 – 5,000 | 57 | 57 | 69 |
| 5,001 – 7,500 | 78 | 78 | 87 |
| 7,501 – 10,000 | 90 | 90 | 115 |
| 10,001 – 15,000 | 100 | 100 | 167 |
| 15,001 – 20,000 | 105 | 105 | 185 |
| 20,001 – 35,000 | 108 | 108 | 197 |
| 35,001 – 50,000 | 108 | 108 | 278 |
| 50,001 – 250,000 | 108 | 108 | 309 |
ATM Withdrawal Tariffs
For customers withdrawing money directly from ATMs, here are the applicable charges:
| Transaction Range (KES) | ATM Withdrawal Charges (KES) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
Other Mpesa Transactions
| Transaction Type | Charges (KES) |
|---|---|
| All Deposits | Free |
| Mpesa Registration | Free |
| Buying Airtime via Mpesa | Free |
| Mpesa Balance Enquiry | Free |
| Changing Mpesa PIN | Free |
Important Notes
- Maximum Account Balance: KES 500,000.
- Maximum Daily Transaction Value: KES 500,000.
- Maximum Per Transaction Amount: KES 250,000.
- Minimum Withdrawal Limit: KES 50 at an Mpesa agent.
- Self Reversal: For incorrect transactions, forward the confirmation message to 456.
- Valid Documentation for Mpesa Services:
- Kenyan Passports and National IDs.
- Foreign Passports, Military IDs, and Foreigner Certificates (only at Safaricom Shops or Care Desks).
Key Highlights of Mpesa Paybill
- No Charges for Small Transactions: Payments between KES 1 and KES 100 are free, making it accessible for small and microtransactions.
- Flat Rate for High Transactions: Transactions above KES 50,001 incur a maximum charge of KES 108, even for amounts up to KES 250,000.
- Transparent and Affordable: The tiered charging structure ensures proportional fees based on the transaction value.
Benefits of Mpesa Paybill
- Convenience: Payments can be made anytime and anywhere, offering unmatched flexibility.
- Security: Transactions are encrypted, safeguarding customer and business funds.
- Transparency: Real-time SMS confirmations for all transactions ensure accountability.
- Scalability: Suitable for businesses of all sizes, from small vendors to large corporations.
How to Pay Using Mpesa Paybill
- Go to the Mpesa menu on your phone.
- Select Lipa na Mpesa.
- Choose Paybill.
- Enter the business’s Paybill number.
- Input the account number provided by the business.
- Enter the amount you wish to pay.
- Confirm the details and input your Mpesa PIN.
- Wait for a confirmation message from Mpesa.
Customer Support
For inquiries or issues, reach out to Safaricom through:
- Customer Service Numbers: Dial 100 for PrePay customers or 200 for PostPay customers.
- Self-Service: Dial *234#.
- Email: [email protected].
- Social Media: Facebook (@SafaricomPLC) and Twitter (@SafaricomPLC or @Safaricom_Care).
- WhatsApp: Message Zuri at 0722 000100.
Mpesa Paybill continues to lead as a revolutionary payment solution in 2025, combining efficiency, affordability, and security for businesses and individuals alike. Whether you’re paying for goods, services, or making deposits, Mpesa Paybill ensures a seamless experience tailored to the modern era.
