The Mpesa PayBill service has become an integral part of Kenya’s financial landscape, offering businesses a seamless way to collect payments from customers. With its simplicity, security, and convenience, it’s no wonder Mpesa PayBill remains a top choice for businesses and customers alike. In this guide, we’ll explore the official Mpesa Paybill transaction charges for 2025 and highlight the key features and benefits of using this service.
What is Mpesa PayBill?
Mpesa PayBill is a service by Safaricom that allows businesses to receive payments directly from their customers through an assigned PayBill number. Customers can easily make payments for goods or services using their mobile phones, eliminating the need for physical cash and enhancing efficiency.
Mpesa PayBill Transaction Charges 2025
Below is the breakdown of Mpesa PayBill transaction charges based on the transaction amount:
Transfer to Mpesa Users, Pochi La Biashara, and Business Till to Customer
| Transaction Range (KES) | Charges (KES) |
|---|---|
| 1 – 49 | Free |
| 50 – 100 | Free |
| 101 – 500 | 7 |
| 501 – 1,000 | 13 |
| 1,001 – 1,500 | 23 |
| 1,501 – 2,500 | 33 |
| 2,501 – 3,500 | 53 |
| 3,501 – 5,000 | 57 |
| 5,001 – 7,500 | 78 |
| 7,501 – 10,000 | 90 |
| 10,001 – 15,000 | 100 |
| 15,001 – 20,000 | 105 |
| 20,001 – 35,000 | 108 |
| 35,001 – 50,000 | 108 |
| 50,001 – 250,000 | 108 |
Withdrawal Charges at Mpesa Agents
| Transaction Range (KES) | 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 Tariff
| Transaction Range (KES) | Charges (KES) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
Other Transactions and Fees
- Deposits: Free
- M-PESA Registration: Free
- Buying Airtime via M-PESA: Free
- Balance Enquiry: Free
- Change of M-PESA PIN: Free
Key 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: You cannot withdraw less than KES 50 at an M-PESA agent outlet.
- Reversals: To initiate self-reversal, send the transaction confirmation to 456.
- Documentation for Transactions:
- Kenyan Passports and National IDs are valid for deposits and withdrawals.
- Foreign Passports, Military IDs, and Foreigner Certificates are valid only at Safaricom Shops or Care Desks.
Benefits of Mpesa PayBill
- Convenience: Payments can be made anytime, anywhere using a mobile phone.
- Security: Transactions are encrypted, ensuring the safety of funds.
- Transparency: Automated SMS confirmations allow for easy tracking of payments.
- Scalability: Suitable for businesses of all sizes, from small startups to large enterprises.
- Affordability: Tiered charges ensure fair pricing based on transaction amounts.
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 payment amount.
- Confirm the details and input your Mpesa PIN.
- Receive a confirmation message from Mpesa.
Key Highlights of 2025 Tariffs
- Free Transactions: Payments between KES 1 to KES 100 are free, making Mpesa PayBill an excellent option for micro-transactions.
- Flat Rate for Large Transactions: Transactions above KES 50,001 are capped at KES 108, making it cost-effective for high-value payments.
- Reasonable Agent Fees: Withdrawal fees are proportional to the amount withdrawn, ensuring affordability for customers.
Customer Support
For inquiries, support, or feedback:
- Dial 100 (PrePay customers) or 200 (PostPay customers).
- Use *234# for self-service options.
- Email: [email protected].
- Social Media: Facebook (@SafaricomPLC) or Twitter (@SafaricomPLC / @Safaricom_Care).
- WhatsApp: 0722 000100.
Mpesa PayBill remains a revolutionary payment method in 2025, combining efficiency, security, and affordability. Whether you’re a customer or a business, Mpesa PayBill offers a reliable platform to manage payments with ease. With its wide range of services and user-friendly features, it continues to be a cornerstone of Kenya’s digital financial ecosystem.
