The Mpesa Paybill service remains one of the most efficient and reliable payment methods in Kenya, allowing businesses to collect money seamlessly from their customers. With a dedicated Paybill number, businesses can streamline transactions, ensuring convenience for both themselves and their clients. Below is a comprehensive breakdown of Mpesa Paybill transaction charges for 2025, along with essential information on Mpesa tariffs, benefits, and other related services.
Mpesa Paybill Transaction Charges for 2025
Mpesa Paybill charges vary based on the transaction range. Customers can enjoy tiered pricing that ensures affordability for small payments and flat rates for higher amounts.
| Transaction Range (KES) | Transfer to Mpesa 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 withdrawals using an ATM, the charges are as follows:
| Transaction Range (KES) | Charge (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 |
| Changing Mpesa PIN | Free |
Important Notes for 2025
- Maximum Account Balance: KES 500,000.
- Maximum Daily Transaction Value: KES 500,000.
- Maximum Amount Per Transaction: KES 250,000.
- Minimum Withdrawal at Agent: KES 50.
- Self Reversal: To reverse a transaction, send the transaction confirmation to 456.
- Agent Restrictions:
- Money cannot be deposited directly into another customer’s account.
- For registration, only valid Kenyan Passports and National IDs are accepted at agent outlets.
- Foreign Passports, Military IDs, and Foreigner Certificates are only valid for registration at Safaricom Shops and Care Desks.
- Documentation for Transactions:
- Accepted documents include Kenyan Passports, National IDs, Foreign Passports, Military IDs, and Foreigner Certificates.
Key Highlights of Mpesa Paybill
- No Charges for Small Transactions: Payments between KES 1 to KES 100 incur no charges, making it a cost-effective option for micro-transactions.
- Flat Rates for Large Transactions: Transactions above KES 50,001 are capped at KES 108, providing predictable costs for high-value transfers.
- Affordable Tiered Pricing: The pricing structure ensures that customers pay proportionate fees based on transaction amounts.
Benefits of Mpesa Paybill
- Convenience: Customers can make payments anytime, anywhere, with just their mobile phones.
- Transparency: Automated SMS confirmations ensure both businesses and customers can track their payments.
- Security: Transactions are encrypted, guaranteeing the safety of funds.
- Scalability: Mpesa Paybill works for businesses of all sizes, from small enterprises to large corporations.
How to Use Mpesa Paybill
- Open 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 to pay.
- Confirm the details and input your Mpesa PIN.
- Wait for a confirmation message from Mpesa.
Contact Safaricom for Assistance
- Phone Support:
- PrePay Customers: Dial 100.
- PostPay Customers: Dial 200.
- Self-Service: Dial *234#.
- Email: [email protected].
- Social Media:
- Facebook: @SafaricomPLC.
- Twitter: @SafaricomPLC/@Safaricom_Care.
- WhatsApp (Zuri): 0722 000100.
The Mpesa Paybill service continues to revolutionize cash collection for businesses and offers unparalleled convenience for customers in 2025. With transparent fees, robust security, and exceptional scalability, it remains the leading mobile payment solution in Kenya. Whether you’re a business or an individual, Mpesa Paybill is a reliable tool to simplify your financial transactions.
