M-PESA Paybill remains a revolutionary service in Kenya, enabling businesses and customers to transact seamlessly. As of 2025, Safaricom has updated the transaction charges for Paybill services to reflect evolving market demands. Below is a detailed breakdown of the charges for making payments using M-PESA Paybill.
M-PESA Paybill Transaction Charges
| 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
- Free Transactions for Small Amounts: Payments between KSH 1 and 100 remain free, promoting financial inclusion for low-value transactions.
- Affordable Rates for Higher Amounts: Transactions above KSH 50,001 incur a maximum charge of KSH 108, ensuring cost-effectiveness for high-value payments.
- Simplified Payment System: Paybill services streamline cash collection for businesses, offering a reliable and efficient method for receiving payments.
Benefits of Using M-PESA Paybill
- Convenience: Customers can make payments anytime, anywhere.
- Speed: Transactions are processed instantly.
- Security: Paybill eliminates the risks associated with handling cash.
- Scalability: Suitable for businesses of all sizes, from SMEs to large corporations.
M-PESA Paybill continues to lead in Kenya’s mobile payment ecosystem, empowering businesses and consumers alike. Stay informed about transaction charges to optimize your financial decisions in 2025 and beyond.
