The M-Pesa Paybill service is a convenient cash collection solution that enables businesses to receive payments seamlessly from customers. This service has revolutionized payment methods, making transactions quick, secure, and timely. As of 2025, Safaricom has updated the transaction charges for M-Pesa Paybill payments.
Here is a detailed breakdown of the charges based on transaction amounts:
M-Pesa Paybill Charges (2025-2026)
| Transaction Amount (KSH) | Charges (KSH) |
|---|---|
| 1 – 49 | 0 |
| 50 – 100 | 0 |
| 101 – 500 | 5 |
| 501 – 1,000 | 10 |
| 1,001 – 1,500 | 15 |
| 1,501 – 2,500 | 20 |
| 2,501 – 3,500 | 25 |
| 3,501 – 5,000 | 34 |
| 5,001 – 7,500 | 42 |
| 7,501 – 10,000 | 48 |
| 10,001 – 15,000 | 57 |
| 15,001 – 20,000 | 62 |
| 20,001 – 25,000 | 67 |
| 25,001 – 30,000 | 72 |
| 30,001 – 35,000 | 83 |
| 35,001 – 40,000 | 99 |
| 40,001 – 45,000 | 103 |
| 45,001 – 50,000 | 108 |
| 50,001 – 70,000 | 108 |
| 70,001 – 250,000 | 108 |
Key Highlights
- Transactions Below KSH 100 Are Free
Payments ranging from KSH 1 to 100 attract no transaction charges, promoting financial inclusivity for small-scale transactions. - Capped Maximum Charges
For transactions above KSH 50,000, charges are capped at KSH 108, regardless of the amount up to the maximum of KSH 250,000. - Ease of Use for Businesses
The Paybill service remains an ideal solution for businesses to collect payments efficiently, ensuring ease for both customers and service providers.
Conclusion
M-Pesa Paybill continues to be a cornerstone for seamless business transactions in Kenya. With reasonable charges and flexibility, it offers a cost-effective solution for customers and businesses alike. Whether you’re managing small payments or larger collections, understanding the transaction charges helps in planning and maximizing cost efficiency.
