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Mpesa Paybill Transaction Charges 2025: Everything You Need to Know

The Mpesa PayBill service remains a leading payment solution for businesses and customers alike in 2025. By allowing customers to make direct payments to businesses via their unique Mpesa Paybill numbers, this service has simplified cash collections and revolutionized payments in Kenya. Below, we break down the Mpesa Paybill transaction charges, tariffs, and key highlights for 2025 to ensure you understand how the system works and what costs to expect.


Mpesa Paybill Transaction Charges 2025

The Mpesa Paybill charges depend on the transaction amount and type. Here’s a detailed breakdown of the charges for transfers and withdrawals:

Paybill Transaction Charges Table

Transaction Range (KES)Transfer to M-PESA Users, Pochi la Biashara, and Business Till (KES)Transfer to Other Registered Mobile Money Users (KES)Withdrawal from Mpesa Agent (KES)
1 – 49FreeFreeN/A
50 – 100FreeFree11
101 – 5007729
501 – 1,000131329
1,001 – 1,500232329
1,501 – 2,500333329
2,501 – 3,500535352
3,501 – 5,000575769
5,001 – 7,500787887
7,501 – 10,0009090115
10,001 – 15,000100100167
15,001 – 20,000105105185
20,001 – 35,000108108197
35,001 – 50,000108108278
50,001 – 250,000108108309

ATM Withdrawal Tariff

If you choose to withdraw money via an ATM, here are the applicable charges for 2025:

Transaction Range (KES)ATM Withdrawal Charge (KES)
200 – 2,50035
2,501 – 5,00069
5,001 – 10,000115
10,001 – 35,000203

Other Transactions

ServiceCharges (KES)
All DepositsFree
Mpesa RegistrationFree
Buying Airtime via MpesaFree
Mpesa Balance EnquiryFree
Changing Mpesa PINFree

Key Notes and Limits

  • Maximum Account Balance: KES 500,000.
  • Maximum Daily Transaction Value: KES 500,000.
  • Maximum Amount Per Transaction: KES 250,000.
  • Minimum Withdrawal: KES 50.
  • Self Reversal: Send the transaction confirmation to *456# for reversal requests.
  • Registration Requirements: Only Kenyan Passports and National IDs are accepted at agent outlets. Foreign Passports, Military IDs, and Foreigner Certificates are handled at Safaricom Shops and Care Desks.
  • Deposits and Withdrawals: Valid documentation includes Kenyan Passports, National IDs, Foreign Passports, Military IDs, and Foreigner Certificates.

How to Pay Using Mpesa Paybill

  1. Open the Mpesa menu on your mobile phone.
  2. Select Lipa na Mpesa.
  3. Choose Paybill.
  4. Enter the business’s Paybill number.
  5. Input the account number provided by the business.
  6. Enter the amount to pay.
  7. Confirm the details and input your Mpesa PIN.
  8. Wait for a confirmation SMS from Mpesa.

Key Highlights of Mpesa Paybill in 2025

1. No Charges for Small Transactions

Payments ranging from KES 1 to KES 100 incur no charges, making Mpesa Paybill ideal for small and micro-transactions.

2. Affordable Flat Rates for High Amounts

Transactions above KES 50,001 are capped at a maximum charge of KES 108, ensuring affordability for larger payments.

3. Tiered Charges

Charges increase proportionately with the transaction amount, ensuring fairness and affordability for all users.


Benefits of Mpesa Paybill

  • Convenience: Payments can be made anytime, anywhere.
  • Transparency: Automated SMS confirmations for both businesses and customers provide clear transaction records.
  • Security: Transactions are encrypted to ensure the safety of funds.
  • Scalability: Perfect for businesses of all sizes, from small enterprises to large corporations.

Customer Support

For inquiries, feedback, or support, you can contact Safaricom via:

  • Dial: 100 (PrePay customers) or 200 (PostPay customers)
  • Self-service: *234#
  • Email: [email protected]
  • Social Media: Facebook – @SafaricomPLC, Twitter – @SafaricomPLC/@Safaricom_Care
  • WhatsApp Chat: Zuri at 0722 000100.

Mpesa Paybill continues to lead the way as a revolutionary and user-friendly payment method in Kenya. With its affordability, security, and convenience, it remains an essential tool for businesses and customers alike. Whether you’re making small payments or transferring large sums, Mpesa Paybill in 2025 provides an efficient and reliable solution.

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