The M-PESA PayBill service continues to transform payment systems in Kenya, offering businesses and customers a seamless and efficient way to transact. With the latest updates for 2025–2026, these charges apply when making payments using the M-PESA PayBill service.
This guide provides a breakdown of the transaction fees to help you plan and manage your payments effectively.
M-PESA PayBill Transaction Charges for 2025
| Transaction Amount (KSHS) | Charges (KSHS) |
|---|---|
| 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 |
Highlights of the Updated Charges
- Free Transactions for Small Amounts: Payments of KSHS 1 to 100 remain free, promoting inclusivity for low-value transactions.
- Affordable Rates for Higher Transactions: Charges for amounts over KSHS 50,000 are capped at KSHS 108, making large transactions cost-effective.
- Convenient and Reliable: The PayBill service ensures timely payments, reducing the need for cash handling and increasing transaction transparency.
Why Use M-PESA PayBill?
- Ease of Use: A straightforward process that saves time for both businesses and customers.
- Secure Payments: Transactions are encrypted and monitored to ensure safety.
- Wide Adoption: Accepted by a vast number of businesses, including utilities, retailers, and service providers.
- Cost Efficiency: Affordable charges encourage more people to transact digitally.
Conclusion
M-PESA PayBill remains a cornerstone of digital payments in Kenya, offering reliability and affordability. By understanding these charges, customers can better manage their finances while businesses can leverage the system to streamline their operations. As M-PESA continues to innovate, its PayBill service reinforces Kenya’s leadership in mobile money solutions.
