The Mpesa PayBill service remains one of the most convenient and secure payment methods in Kenya, allowing businesses to collect payments seamlessly from their customers. As a widely adopted solution, it facilitates cashless transactions that are both efficient and transparent. Below, we detail the Mpesa Paybill transaction charges for 2025 and provide an overview of additional services, charges, and benefits.
Mpesa Paybill Charges 2025
Mpesa Paybill charges are determined by the transaction amount. Here is a breakdown of the updated tariffs for 2025:
Transaction Charges Table
| 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 those opting to withdraw money via ATM, the following charges apply:
| 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 | Charge (KES) |
|---|---|
| Deposits | Free |
| Mpesa Registration | Free |
| Buying Airtime via Mpesa | Free |
| Balance Enquiry | Free |
| Changing Mpesa PIN | Free |
Mpesa Transaction Limits
- Maximum Account Balance: KES 500,000
- Maximum Daily Transaction Value: KES 500,000
- Maximum Amount Per Transaction: KES 250,000
- Minimum Withdrawal Amount: KES 50 (at Mpesa agent outlets)
Notable Features and Policies
- Self-Reversal: To initiate a reversal, send the transaction confirmation to 456.
- Agent Deposits: Deposits can only be made into your account; you cannot deposit money directly into another Mpesa account at an agent outlet.
- Valid Documentation for Registration and Transactions:
- Kenyan Passports or National IDs
- Foreign Passports, Military IDs, and Foreigner Certificates (only at Safaricom Shops and Care Desks)
Key Highlights
- No Charges for Small Transactions: Transactions between KES 1 and KES 100 are free, promoting convenience for micro-transactions.
- Flat Rate for High Transactions: Charges for amounts above KES 50,001 are capped at KES 108, ensuring affordability for larger transfers.
- Transparent and Affordable Charges: Tiered charges keep fees proportional to the transaction amount.
Benefits of Mpesa Paybill
- Convenience: Payments can be made anytime, anywhere via mobile phones.
- Transparency: Automated SMS confirmations ensure that transactions are easily trackable.
- Security: All transactions are encrypted, guaranteeing the safety of funds.
- Scalability: From small businesses to large corporations, the PayBill service caters to businesses of all sizes.
How to Pay Using Mpesa Paybill
- Open the Mpesa menu on your mobile 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 transaction details and enter your Mpesa PIN.
- Wait for a confirmation message from Mpesa.
Mpesa Paybill continues to redefine cashless transactions in Kenya by offering convenience, security, and affordability. With the updated 2025 charges, businesses and customers alike can enjoy streamlined payment processes, ensuring seamless transactions that keep Kenya at the forefront of mobile money innovation.
