The M-Pesa PayBill service continues to play a pivotal role in facilitating seamless and timely payments for businesses and customers across Kenya. With PayBill, businesses can easily collect money, ensuring efficient cash flow management.
Here is a breakdown of the M-Pesa PayBill transaction charges effective for 2025-2026:
M-Pesa PayBill Charges (2025-2026)
| Transaction Amount (KES) | Charges (KES) |
|---|---|
| 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
- Zero Charges for Low-Value Transactions:
Transactions below KES 100 remain free, encouraging inclusivity and promoting low-value transactions. - Standardized Charges for High-Value Transactions:
Transactions above KES 50,000 are capped at KES 108, offering predictability for high-value payments. - Affordable Rates:
With charges starting as low as KES 5 for transactions between KES 101–500, the service remains affordable for the average Kenyan customer.
Conclusion
M-Pesa PayBill remains an indispensable tool for businesses and individuals, ensuring secure and efficient payments. The 2025-2026 charges reflect Safaricom’s commitment to affordability and financial inclusivity. Whether you’re paying bills or running a business, understanding these charges will help you make informed financial decisions.
