The Mpesa PayBill service remains one of the most reliable and convenient payment methods in Kenya, revolutionizing how businesses collect money from their customers. With this service, customers can make payments directly to a business’s Mpesa Paybill number, ensuring seamless and secure transactions. Whether you’re a small business or a large corporation, the Paybill service caters to a wide range of payment needs. Below is a detailed breakdown of the official Mpesa Paybill transaction charges for 2025, along with additional information about the service.
Mpesa Paybill Transaction Charges 2025
Mpesa charges are structured based on transaction amounts and types, ensuring affordability and convenience for all users. Below is a comprehensive table of transaction charges:
| Transaction Range (KES) | Transfer to M-PESA Users, Pochi La Biashara, and Business Till to Customer (KES) | Transfer to Other Registered Mobile Money Users (KES) | Withdrawal from Mpesa 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 users withdrawing money from ATMs, the following charges apply:
| Transaction Range (KES) | 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) |
|---|---|
| Deposits | Free |
| Mpesa Registration | Free |
| Buying Airtime through Mpesa | Free |
| Mpesa Balance Enquiry | Free |
| Change Mpesa PIN | Free |
Important Notes
- Maximum Account Balance: KES 500,000.
- Maximum Daily Transaction Value: KES 500,000.
- Maximum Transaction Amount: KES 250,000.
- You cannot withdraw less than KES 50 at an Mpesa agent.
- To initiate Mpesa Self Reversal, send the transaction confirmation to 456.
- Direct deposits into another Mpesa account at an agent outlet are not allowed.
- For Mpesa registration, valid documentation includes Kenyan Passports, National IDs, Military IDs, and Foreigner Certificates.
Key Highlights of Mpesa Paybill
- No Charges for Small Transactions: Transactions between KES 1 and 100 are free, making it highly accessible for micro-payments.
- Flat Rate for High Transactions: Charges are capped at KES 108 for transactions above KES 50,001 up to KES 250,000.
- Affordable and Tiered Charges: Transaction fees increase incrementally based on the amount, ensuring proportionality and affordability.
Benefits of Mpesa Paybill
- Convenience: Customers can make payments anytime, anywhere, directly from their mobile phones.
- Transparency: Automated SMS confirmations for every transaction provide clarity and ease of tracking payments.
- Security: Encrypted transactions ensure the safety of funds.
- Scalability: Mpesa Paybill is suitable for businesses of all sizes, from SMEs to large enterprises.
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 (as provided by the business).
- Enter the amount to pay.
- Confirm the details and input your Mpesa PIN.
- Wait for a confirmation SMS from Mpesa.
Customer Support
For inquiries, complaints, or assistance, you can contact Safaricom through the following channels:
- PrePay Customers: Dial 100.
- PostPay Customers: Dial 200.
- Self-Service: Dial *234#.
- Email: [email protected].
- Social Media: Facebook (@SafaricomPLC) or Twitter (@SafaricomPLC/@Safaricom_Care).
- WhatsApp (Zuri Chatbot): 0722 000100.
The Mpesa Paybill service in 2025 continues to be a revolutionary payment method, offering simplicity, affordability, and security for both businesses and customers. By understanding the transaction charges and leveraging the benefits of this service, businesses can streamline their payment collection while customers enjoy seamless and convenient transactions.
