The Mpesa PayBill service continues to lead the way in streamlining payment processes in Kenya. This innovative platform allows businesses to collect money from customers seamlessly through a dedicated PayBill number, fostering efficiency and reliability in transactions. As of 2025, here’s a detailed breakdown of the Mpesa Paybill transaction charges, the benefits of using the service, and other essential features you need to know.
Mpesa Paybill Charges 2025
The charges for transactions depend on the transaction range and type. Below is a comprehensive tariff breakdown for transfers and withdrawals.
| Transaction Range (KES) | Transfer to M-Pesa Users, Pochi la Biashara, and Business Till (KES) | Transfer to Other Mobile Money Users (KES) | Withdrawal from M-Pesa 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 Tariff
For withdrawals through ATMs, here are the applicable charges:
| Transaction Range (KES) | Withdrawal Charge (KES) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
Other Transactions
| Transaction Type | Charges (KES) |
|---|---|
| Deposits | Free |
| M-Pesa Registration | Free |
| Buying Airtime through M-Pesa | Free |
| Balance Enquiry | Free |
| Changing M-Pesa PIN | Free |
Key Notes for 2025
- Account Limits:
- Maximum account balance: KES 500,000.
- Maximum daily transaction value: KES 500,000.
- Maximum amount per transaction: KES 250,000.
- Minimum Withdrawals:
- You cannot withdraw less than KES 50 at an M-Pesa agent outlet.
- Self-Reversal:
- To reverse a transaction, send the confirmation SMS to 456.
- Documentation Requirements:
- For deposits and withdrawals, valid IDs include Kenyan Passports, National IDs, Foreign Passports, Military IDs, and Foreigner Certificates.
- Registration Notes:
- Foreign documentation (e.g., Foreign Passports) is accepted only at Safaricom shops or care desks.
Benefits of Using Mpesa Paybill
- Convenience: Payments can be made 24/7 using a mobile phone, eliminating the need for cash or in-person transactions.
- Transparency: Automated SMS confirmations provide clear records for both customers and businesses.
- Security: Transactions are encrypted to ensure the safety of funds.
- Scalability: Suitable for businesses of all sizes, from sole proprietors to large corporations.
- Affordability: With tiered charges and free transactions for smaller amounts (KES 1 – 100), it’s a cost-effective option.
How to Pay Using Mpesa Paybill
- Go to your Mpesa menu on your phone.
- Select Lipa na Mpesa.
- Choose Paybill.
- Enter the business’s Paybill number.
- Input the account number (as 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 any inquiries, complaints, or feedback, Safaricom offers multiple support channels:
- Dial: 100 (PrePay customers) or 200 (PostPay customers).
- Self-service: Dial *234# or chat with Zuri on WhatsApp at 0722 000100.
- Email: [email protected].
- Social Media: Facebook (@SafaricomPLC) and Twitter (@SafaricomPLC, @Safaricom_Care).
Key Highlights
- No Charges for Small Transactions: Transactions between KES 1 and KES 100 incur no charges, making it an ideal option for micro-transactions.
- Flat Rate for Large Amounts: A maximum charge of KES 108 is applied to transactions above KES 50,001, ensuring cost efficiency for high-value payments.
- Tiered Charges: Charges are scaled based on transaction amounts, maintaining affordability.
Mpesa Paybill remains a cornerstone of Kenya’s payment systems, empowering businesses and customers with its user-friendly, secure, and efficient services. As a reliable tool for handling payments, Mpesa Paybill continues to revolutionize the way people transact in 2025.
