The Mpesa Paybill service remains one of Kenya’s most reliable and convenient methods for making payments to businesses and service providers. Through this service, businesses can easily collect payments from customers via their Mpesa account. The ability to make payments using a Paybill number has revolutionized the way individuals and businesses in Kenya conduct transactions, making them quicker and more efficient. As of 2025, the Mpesa Paybill charges, as well as other associated Mpesa transaction charges, offer clarity on what customers can expect to pay based on the transaction type and amount. Below is a detailed breakdown of the Mpesa Paybill transaction charges for 2025, as well as a look at other related Mpesa fees and benefits.
Mpesa Paybill Transaction Charges Breakdown
The Mpesa Paybill service is designed to make transactions seamless, and the charges incurred depend on the amount being sent, withdrawn, or paid. Below is the full list of charges for 2025, based on different transaction amounts:
| Transaction Range (KES) | Charges for Transfer to Mpesa Users, Pochi la Biashara & Business Till to Customer | Charges for Transfer to Other Registered Mobile Money Users | Withdrawal from Mpesa Agent |
|---|---|---|---|
| 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 withdrawing money from an Mpesa ATM using the M-Pesa service, the charges vary based on the withdrawal amount:
| 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 |
Other Mpesa Transactions and Fees
In addition to the Paybill charges, there are other transactions available via Mpesa, many of which incur no charges:
- Deposits to Mpesa Accounts: Free
- M-Pesa Registration: Free
- Buying Airtime via Mpesa: Free
- M-Pesa Balance Inquiry: Free
- Change M-Pesa PIN: Free
Key Notes on Mpesa Transactions
- Maximum Account Balance: KES 500,000
- Maximum Daily Transaction Limit: KES 500,000
- Maximum Amount per Transaction: KES 250,000
- Minimum Withdrawal from Mpesa Agent: KES 50
- Self Reversal: To initiate an Mpesa self-reversal, send the transaction confirmation to 456.
- Depositing Money: You cannot deposit money directly into another Mpesa customer’s account at an agent outlet. Deposits and withdrawals require valid documentation, including Kenyan Passports, National IDs, Foreign Passports, Military IDs, and Foreigner Certificates.
Benefits of Using Mpesa Paybill
- Convenience: Mpesa Paybill enables users to make payments from their mobile phones anytime and anywhere, offering flexibility for both businesses and customers.
- Transparency: Mpesa provides SMS confirmations for every transaction, ensuring that both businesses and customers have a clear record of payments made.
- Security: All transactions made through Mpesa are encrypted, ensuring the safety and security of your funds.
- Scalability: Mpesa Paybill can be used by businesses of all sizes, from small enterprises to large corporations, providing a simple yet effective method for collecting payments.
How to Pay Using Mpesa Paybill
Paying via Mpesa Paybill is simple and straightforward. Here’s how to make a payment:
- 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 enter your Mpesa PIN.
- Wait for a confirmation message from Mpesa to finalize the transaction.
Conclusion
The Mpesa Paybill service remains an essential tool for businesses and individuals alike in Kenya, providing a secure, affordable, and efficient way to process payments. Whether you’re making a small payment or a large transaction, the 2025 charges offer a clear and tiered structure based on the amount being transacted. With the convenience of paying from your mobile phone, transparency through confirmation messages, and robust security, Mpesa continues to lead the way in simplifying financial transactions in Kenya. As the service continues to grow, it is expected to remain a cornerstone of the country’s mobile financial ecosystem.
