The Mpesa PayBill service remains a cornerstone of Kenya’s digital payment solutions, offering seamless, reliable, and secure payment options for businesses and individuals. Whether you’re a business collecting payments or a customer settling bills, Mpesa Paybill simplifies transactions by allowing payments to be made directly into business accounts through Mpesa. Below is an in-depth look at the 2025 Mpesa Paybill transaction charges, tariffs, and key information for users.
Mpesa Paybill Transaction Charges 2025
The transaction charges for 2025 vary depending on the amount being transferred and the transaction type. Below is a detailed breakdown of charges:
| Transaction Range (KES) | Transfer to Mpesa Users, Pochi La Biashara, and Business Till (KES) | Transfer to Other 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 Tariff
Mpesa users can withdraw funds from ATMs at the following rates:
| Transaction Range (KES) | ATM Withdrawal Charge (KES) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
Other Mpesa Services (Charges)
| Service | Charge (KES) |
|---|---|
| All Deposits | Free |
| Mpesa Registration | Free |
| Buying Airtime through Mpesa | Free |
| Mpesa Balance Enquiry | Free |
| Changing Mpesa PIN | Free |
Key Features and Limits
- Maximum Account Balance: KES 500,000.
- Maximum Daily Transaction Value: KES 500,000.
- Maximum Amount Per Transaction: KES 250,000.
- Minimum Withdrawal at an Agent Outlet: KES 50.
Highlights of Mpesa Paybill 2025
- No Charges for Small Transactions: Payments between KES 1 and KES 100 remain free, making it accessible for micro-transactions.
- Flat Rate for Large Transactions: For payments above KES 50,001, charges are capped at KES 108, regardless of the amount (up to KES 250,000).
- Tiered Charges for Fairness: The charges increase proportionately for mid-range transactions, ensuring affordability for various users.
Benefits of Mpesa Paybill
- Convenience: Payments can be made anytime and anywhere using a mobile phone.
- Transparency: Automatic SMS confirmations ensure clear transaction records.
- Security: Encrypted transactions protect your funds and personal information.
- Scalability: Suitable for businesses of all sizes, from small vendors to large enterprises.
How to Pay Using Mpesa Paybill
- Go to 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 message from Mpesa.
Important Notes
- Self-Reversal: To reverse a wrong transaction, send the confirmation SMS to 456.
- Valid Identification: For registration at agent outlets, only Kenyan National IDs, Passports, Foreign Passports, Military IDs, or Foreigner Certificates are accepted. Foreign documents can only be registered at Safaricom Shops.
- Direct Deposits: You cannot deposit money directly into another Mpesa user’s account at an agent outlet.
Customer Support
For any inquiries, complaints, or feedback:
- PrePay Customers: Dial 100.
- PostPay Customers: Dial 200.
- Self-Service: Dial *234#.
- Email: [email protected].
- Social Media: Facebook (@SafaricomPLC), Twitter (@SafaricomPLC or @Safaricom_Care).
- WhatsApp: Zuri Chat via 0722 000100.
Mpesa Paybill continues to be a revolutionary tool in Kenya’s payment ecosystem, enhancing convenience, security, and efficiency for users. Whether you’re a business collecting payments or a customer settling bills, Mpesa Paybill is your trusted partner in 2025.