M-PESA PayBill continues to be a transformative service for cash collection, making payments seamless and timely for businesses and customers alike. As of 2025, Safaricom has updated its PayBill transaction charges, ensuring transparency and affordability for various payment ranges.
Below is a detailed breakdown of the M-PESA PayBill transaction charges for 2025-2026:
M-PESA PayBill Transaction Charges
| Amount Range (KSH) | Transaction Charges (KSH) |
|---|---|
| 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
- Free Transactions for Small Amounts: Payments between KSH 1 and KSH 100 incur no charges, promoting financial inclusivity for low-value transactions.
- Affordable Fees for Mid-Range Transactions: Charges for transactions up to KSH 3,500 remain minimal, making it convenient for day-to-day business operations.
- Capped Charges for High-Value Transactions: Payments exceeding KSH 50,000 are capped at KSH 108, ensuring affordability for large transactions.
Benefits of Using M-PESA PayBill
- Convenience: Simplifies payment collection, eliminating the need for physical cash handling.
- Timeliness: Ensures payments are made in real-time, improving cash flow management.
- Security: Offers a secure way for customers and businesses to transfer funds.
- Scalability: Suitable for businesses of all sizes, from small startups to large enterprises.
Conclusion
The updated M-PESA PayBill transaction charges for 2025-2026 demonstrate Safaricom’s commitment to fostering affordability and inclusivity. Whether you’re running a business or making payments, understanding these charges will help you plan and manage costs effectively. Embrace the convenience and efficiency of M-PESA PayBill for your payment needs!
