The Mpesa Paybill service remains a cornerstone of mobile money transactions in Kenya, offering businesses and customers a seamless, secure, and reliable method to handle payments. As of 2025, Safaricom has continued to refine and enhance the Mpesa Paybill service, ensuring accessibility for all users. Below is a detailed breakdown of Mpesa Paybill transaction charges for 2025, highlighting costs, benefits, and additional features of this revolutionary payment system.
What is Mpesa Paybill?
Mpesa Paybill is a convenient service that allows businesses to collect payments directly from customers via their Mpesa accounts. Customers can easily pay for goods, services, or utilities by entering a business’s Paybill number and specifying the transaction amount. This service simplifies the payment process, making it efficient and timely for both parties.
Mpesa Paybill Charges for 2025
The transaction charges for Mpesa Paybill are based on the transaction amount and type. Below is the official tariff table:
Transfer Charges
| Transaction Range (KES) | Transfer to Mpesa Users, Pochi La Biashara, or Business Till to Customer (KES) | Transfer to Other Registered Mobile Money Users (KES) |
|---|---|---|
| 1 – 49 | Free | Free |
| 50 – 100 | Free | Free |
| 101 – 500 | 7 | 7 |
| 501 – 1,000 | 13 | 13 |
| 1,001 – 1,500 | 23 | 23 |
| 1,501 – 2,500 | 33 | 33 |
| 2,501 – 3,500 | 53 | 53 |
| 3,501 – 5,000 | 57 | 57 |
| 5,001 – 7,500 | 78 | 78 |
| 7,501 – 10,000 | 90 | 90 |
| 10,001 – 15,000 | 100 | 100 |
| 15,001 – 20,000 | 105 | 105 |
| 20,001 – 35,000 | 108 | 108 |
| 35,001 – 50,000 | 108 | 108 |
| 50,001 – 250,000 | 108 | 108 |
Withdrawal Charges from Mpesa Agent
| Transaction Range (KES) | Withdrawal Charges (KES) |
|---|---|
| 1 – 49 | N/A |
| 50 – 100 | 11 |
| 101 – 500 | 29 |
| 501 – 1,000 | 29 |
| 1,001 – 1,500 | 29 |
| 1,501 – 2,500 | 29 |
| 2,501 – 3,500 | 52 |
| 3,501 – 5,000 | 69 |
| 5,001 – 7,500 | 87 |
| 7,501 – 10,000 | 115 |
| 10,001 – 15,000 | 167 |
| 15,001 – 20,000 | 185 |
| 20,001 – 35,000 | 197 |
| 35,001 – 50,000 | 278 |
| 50,001 – 250,000 | 309 |
ATM Withdrawal Charges
| 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 Transactions
| Transaction Type | Charges (KES) |
|---|---|
| All Deposits | Free |
| Mpesa Registration | Free |
| Buying Airtime through Mpesa | Free |
| Mpesa Balance Enquiry | Free |
| Change Mpesa PIN | Free |
Key Highlights of Mpesa Paybill Charges 2025
- No Charges for Small Transactions: Transactions between KES 1 and KES 100 are free, making it ideal for micro-payments.
- Flat Rate for High Transactions: A cap of KES 108 applies to all transactions above KES 50,001, up to a maximum of KES 250,000.
- Transparency: Automated SMS confirmations ensure that both sender and receiver can track the transaction seamlessly.
- Affordable Fees: The tiered charges provide value by ensuring that smaller transactions incur minimal costs.
Benefits of Mpesa Paybill
- Convenience: Payments can be made anytime and anywhere, simplifying business transactions.
- Security: All transactions are encrypted, ensuring maximum safety for funds.
- Scalability: Suitable for businesses of all sizes, from startups to large corporations.
- Accessibility: Mpesa is available nationwide, making it a reliable option for businesses and customers.
Important Notes
- Account Limits:
- Maximum account balance: KES 500,000
- Maximum daily transaction value: KES 500,000
- Maximum amount per transaction: KES 250,000
- Documentation Requirements:
- For deposits and withdrawals, valid IDs include Kenyan Passports, National IDs, Foreign Passports, Military IDs, and Foreigner Certificates.
- Self-Reversal: To reverse a transaction, send the confirmation message to 456.
- Support: Reach Safaricom customer care at:
- Dial 100 (PrePay customers) or 200 (PostPay customers)
- Self-service: *234#
- Email: [email protected]
- Social media: Facebook and Twitter @SafaricomPLC
- WhatsApp: 0722 000100
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 (provided by the business).
- Enter the amount to pay.
- Confirm the details and input your Mpesa PIN.
- Wait for a confirmation message from Mpesa.
Final Thoughts
The Mpesa Paybill service remains a revolutionary payment solution in 2025, offering businesses and customers secure, transparent, and efficient transactions. With its affordable charges and unmatched convenience, Mpesa Paybill continues to support businesses in managing their payments while enhancing customer experience. Whether you’re a small business owner or a corporate entity, Mpesa Paybill is a reliable tool for financial transactions.
