M-Pesa PayBill services continue to revolutionize how businesses collect payments, offering a convenient and timely solution for cash collection. The updated PayBill transaction charges for 2025 provide clarity for both businesses and customers on the costs associated with payments through M-Pesa.
Below are the M-Pesa PayBill transaction charges for 2025–2026:
M-Pesa PayBill Transaction Charges Table
| Transaction Amount (KSH) | Charges (KSH) |
|---|---|
| 1 – 49 | 0 |
| 50 – 100 | 0 |
| 101 – 500 | 5 |
| 501 – 1,000 | 10 |
| 1,001 – 1,500 | 15 |
| 1,501 – 2,500 | 20 |
| 2,501 – 3,500 | 25 |
| 3,501 – 5,000 | 34 |
| 5,001 – 7,500 | 42 |
| 7,501 – 10,000 | 48 |
| 10,001 – 15,000 | 57 |
| 15,001 – 20,000 | 62 |
| 20,001 – 25,000 | 67 |
| 25,001 – 30,000 | 72 |
| 30,001 – 35,000 | 83 |
| 35,001 – 40,000 | 99 |
| 40,001 – 45,000 | 103 |
| 45,001 – 50,000 | 108 |
| 50,001 – 70,000 | 108 |
| 70,001 – 250,000 | 108 |
Key Highlights
- Free Transactions: Payments between KSH 1 and KSH 100 incur no charges, promoting accessibility and financial inclusivity.
- Affordable Fees for Small Transactions: Low charges for amounts up to KSH 3,500 make it cost-effective for smaller businesses and customers.
- Flat Rate for Larger Transactions: For payments above KSH 50,000, the transaction fee is capped at KSH 108, ensuring cost predictability for high-value payments.
Why Choose M-Pesa PayBill?
- Convenience: Customers can make payments directly from their phones anytime.
- Efficiency: Funds are instantly transferred, reducing waiting times for businesses.
- Transparency: Clearly defined charges provide clarity and trust for users.
Conclusion
The updated M-Pesa PayBill charges for 2025–2026 reflect Safaricom’s commitment to enhancing financial accessibility for individuals and businesses. With competitive rates and capped fees for larger transactions, M-Pesa remains a leading mobile payment solution in Kenya. Whether you’re a business owner or a customer, understanding these charges ensures informed and efficient use of the service.
