The Mpesa Paybill service remains one of Kenya’s most reliable and convenient payment solutions, allowing businesses and customers to transact seamlessly. By utilizing Paybill numbers, customers can send payments directly to a business, enhancing efficiency, security, and transparency. The 2025 Mpesa Paybill transaction charges are structured to accommodate various transaction sizes and types, making it accessible for personal and business use alike.
Here’s a detailed breakdown of Mpesa Paybill transaction charges for 2025 and other key information about the service:
Mpesa Paybill Transaction Charges 2025
| Transaction Range (KES) | Transfer to Mpesa Users, Pochi la Biashara, and Business Till to Customer (KES) | Transfer to Other Registered Mobile Money Users (KES) | Withdrawal from Mpesa Agent (KES) |
|---|---|---|---|
| 1 – 49 | Free | Free | N/A |
| 50 – 100 | Free | Free | 11 |
| 101 – 500 | 7 | 7 | 29 |
| 501 – 1,000 | 13 | 13 | 29 |
| 1,001 – 1,500 | 23 | 23 | 29 |
| 1,501 – 2,500 | 33 | 33 | 29 |
| 2,501 – 3,500 | 53 | 53 | 52 |
| 3,501 – 5,000 | 57 | 57 | 69 |
| 5,001 – 7,500 | 78 | 78 | 87 |
| 7,501 – 10,000 | 90 | 90 | 115 |
| 10,001 – 15,000 | 100 | 100 | 167 |
| 15,001 – 20,000 | 105 | 105 | 185 |
| 20,001 – 35,000 | 108 | 108 | 197 |
| 35,001 – 50,000 | 108 | 108 | 278 |
| 50,001 – 250,000 | 108 | 108 | 309 |
ATM Withdrawal Tariffs
For withdrawals at ATMs, the following charges apply:
| 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 Mpesa Transactions and Charges
| Transaction Type | Charges (KES) |
|---|---|
| Deposits | Free |
| Mpesa Registration | Free |
| Buying Airtime via Mpesa | Free |
| Mpesa Balance Inquiry | Free |
| Changing Mpesa PIN | Free |
Important Notes:
- Maximum Account Balance: KES 500,000.
- Maximum Daily Transaction Value: KES 500,000.
- Maximum Amount Per Transaction: KES 250,000.
- Minimum Withdrawal Limit: KES 50 at Mpesa agent outlets.
- Self-Reversal: To reverse a transaction, send the confirmation SMS to 456.
- Documentation Requirements:
- For Registration: Kenyan Passports, National IDs. Foreign passports and military IDs can only be registered at Safaricom shops.
- For Deposits/Withdrawals: Kenyan Passports, National IDs, Military IDs, or Foreign Certificates.
Key Features of Mpesa Paybill
- No Charges for Small Transactions: Payments between KES 1 and KES 100 are free, encouraging micro-transactions.
- Flat Rates for High Transactions: Transactions above KES 50,001 incur a capped fee of KES 108, regardless of the amount (up to KES 250,000).
- Affordable Fees: Charges are tiered, ensuring customers pay proportionate amounts for services.
Benefits of Using Mpesa Paybill
- Convenience: Transactions can be completed from anywhere at any time, using mobile phones.
- Transparency: Automated SMS notifications ensure both parties can track payments.
- Security: Transactions are encrypted, protecting funds and personal data.
- Scalability: Mpesa Paybill works for businesses of all sizes, from small startups to large corporations.
How to Pay Using 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 amount to pay.
- Confirm the details and input your Mpesa PIN.
- Wait for a confirmation SMS.
Customer Support
For inquiries, support, or feedback, reach out via:
- Dial: 100 (PrePay) or 200 (PostPay).
- Self-Service: *234#.
- Email: [email protected].
- Social Media:
- Facebook: @SafaricomPLC
- Twitter: @SafaricomPLC/@Safaricom_Care
- WhatsApp: 0722 000100.
Mpesa Paybill continues to revolutionize payments in 2025, providing a secure, efficient, and user-friendly way to handle transactions. Whether for businesses or personal use, its simplicity and affordability make it the preferred payment solution in Kenya.
