The Mpesa Paybill service continues to be a reliable, efficient, and secure payment solution in 2025. This cash collection service enables businesses to receive payments directly from their customers through unique Paybill numbers. With its seamless and convenient interface, Mpesa Paybill has revolutionized how individuals and organizations transact, offering unmatched ease and timeliness.
Below, we provide a detailed guide to the Mpesa Paybill transaction charges for 2025, as well as essential highlights, benefits, and usage instructions.
Mpesa Paybill Transaction Charges for 2025
Mpesa Paybill charges are based on transaction amounts and fall under specific categories. Here’s a breakdown of the transaction charges:
Transaction Range and Charges
| Transaction Range (KES) | Transfer to Mpesa Users (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 those who prefer ATM withdrawals, the following charges apply:
| Transaction Range (KES) | ATM Withdrawal Charges (KES) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
Additional Services and Charges
| Service | Charge (KES) |
|---|---|
| Deposits | Free |
| Mpesa Registration | Free |
| Buying Airtime through Mpesa | Free |
| Mpesa Balance Enquiry | Free |
| Changing Mpesa PIN | Free |
Key Limits
- Maximum Account Balance: KES 500,000
- Maximum Daily Transaction Value: KES 500,000
- Maximum Amount Per Transaction: KES 250,000
- Minimum Withdrawal at Agent: KES 50
Key Highlights
- No Charges for Small Transactions: Payments between KES 1 and 100 are free, making the service cost-effective for micro-transactions.
- Flat Rate for High Amounts: Transactions above KES 50,001 incur a capped charge of KES 108, ensuring affordability for larger payments.
- Transparent and Tiered Charges: Transaction fees are proportionate to the amount, making Mpesa Paybill suitable for all types of users.
Benefits of Using Mpesa Paybill
- Convenience: Payments can be made anytime, anywhere, directly from your phone.
- Transparency: Automated SMS confirmations provide clear records of all transactions.
- Security: Transactions are encrypted, safeguarding your funds from fraud.
- Scalability: Businesses of all sizes benefit from the streamlined payment system.
How to Use Mpesa Paybill
Making a payment using Mpesa Paybill is simple:
- Go to your Mpesa menu.
- 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 transaction details and input your Mpesa PIN.
- Wait for a confirmation SMS from Mpesa.
Important Notes
- To initiate a self-reversal, send the transaction confirmation to 456.
- Deposits cannot be made directly into another Mpesa account at an agent outlet.
- For registration and deposits, valid documentation includes Kenyan National IDs, Passports, Military IDs, and Foreigner Certificates. Foreign registrations must be done at Safaricom Shops or Care Desks.
Customer Support
For inquiries, complaints, or feedback:
- Dial 100 for PrePay customers or 200 for PostPay customers.
- Use self-service by dialing *234#.
- Email: [email protected]
- Social Media: Facebook (@SafaricomPLC) and Twitter (@SafaricomPLC/@Safaricom_Care)
- WhatsApp Zuri: 0722 000100
Mpesa Paybill remains a leading payment service in 2025, offering affordability, reliability, and user-friendly features for both businesses and customers. With clear tariffs and a commitment to innovation, it continues to simplify transactions while fostering financial inclusion across Kenya.
