The Mpesa PayBill service remains a convenient, reliable, and efficient payment solution for businesses and customers alike. By allowing customers to make payments directly to a business’s Mpesa Paybill number, this service has revolutionized cash collection with seamless, secure, and traceable transactions. Below is a comprehensive breakdown of Mpesa Paybill transaction charges for 2025, along with key features, benefits, and important notes about the service.
Mpesa Transaction Charges for 2025
1. PayBill Transaction Charges
Mpesa Paybill charges are tiered based on the transaction amount, ensuring affordability for both small and large transactions. Below is the official 2025 Mpesa Paybill transaction tariff:
| Transaction Range (KES) | Transfer to Mpesa Users, Pochi la Biashara, and Business Till | Transfer to Other Registered Mobile Money Users | 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 |
2. 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 |
3. Other Mpesa Transactions
| Transaction Type | Charges (KES) |
|---|---|
| Deposits | Free |
| Mpesa Registration | Free |
| Buying Airtime through Mpesa | Free |
| Mpesa Balance Enquiry | Free |
| Change Mpesa PIN | Free |
Key Highlights
- No Charges for Small Transactions: Payments between KES 1 and KES 100 are free, making it ideal for micro-transactions.
- Flat Rate for High Transactions: For amounts above KES 50,001, charges are capped at KES 108 for transfers and KES 309 for withdrawals.
- Transparency and Security: Every transaction is encrypted and accompanied by an automated SMS confirmation for easy tracking.
Benefits of Using Mpesa PayBill
- Convenience: Make payments anytime, anywhere, using your mobile phone.
- Transparency: Automated SMS confirmations provide clarity for both senders and recipients.
- Security: Transactions are encrypted, ensuring the safety of funds.
- Scalability: Works for businesses of all sizes, from small enterprises to large corporations.
How to Use Mpesa PayBill
- Open the Mpesa menu on your mobile phone.
- Select Lipa na Mpesa.
- Choose Paybill.
- Enter the business’s Paybill number.
- Input the account number provided by the business.
- Enter the amount you wish to pay.
- Confirm the transaction details and enter your Mpesa PIN.
- Wait for a confirmation message from Mpesa.
Important Notes
- Maximum Limits:
- Account balance: KES 500,000.
- Daily transaction value: KES 500,000.
- Per transaction: KES 250,000.
- Withdrawals below KES 50 are not permitted at Mpesa agent outlets.
- To initiate self-reversal, send the transaction confirmation to 456.
- Deposits into another Mpesa account cannot be done directly at agent outlets.
- For registration and transactions at agent outlets, valid documentation such as Kenyan Passports, National IDs, and Foreigner Certificates is required.
Customer Support
For inquiries, feedback, or complaints, Safaricom provides several support channels:
- Dial: 100 (PrePay customers) or 200 (PostPay customers).
- Self-Service: Dial *234#.
- Email: [email protected].
- Social Media:
- Facebook: @SafaricomPLC.
- Twitter: @SafaricomPLC / @Safaricom_Care.
- WhatsApp: Chat with Zuri on 0722 000100.
Mpesa Paybill continues to redefine the payment experience in Kenya. Whether you’re managing personal transactions or handling business collections, this service offers unmatched convenience, security, and affordability. Make the most of Mpesa Paybill in 2025 and enjoy seamless transactions!
