The M-Pesa PayBill service has become an indispensable tool for businesses in Kenya, enabling seamless and timely cash collection from customers. As of 2025, Safaricom has updated the PayBill transaction charges to align with evolving business and consumer needs. Below is the detailed breakdown of the charges for using the M-Pesa PayBill service.
Updated 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 Low Amounts
Payments below KSH 100 are free, promoting inclusivity for small transactions. - Affordable Charges Across Ranges
Charges are competitively priced, starting as low as KSH 5 for transactions between KSH 101 and KSH 500. - Capped Maximum Charge
Transactions above KSH 50,000 incur a flat charge of KSH 108, ensuring predictability for higher-value payments.
Benefits of Using M-Pesa PayBill Service
- Convenience: Customers can make payments anytime, anywhere, using their mobile phones.
- Efficiency: Businesses can collect payments quickly and securely.
- Transparency: Both businesses and customers receive real-time transaction notifications.
- Inclusivity: Free or minimal charges for lower transaction amounts encourage wider usage.
Conclusion
M-Pesa PayBill continues to provide a reliable and cost-effective payment solution for businesses and individuals in Kenya. By offering transparent and reasonable transaction charges, Safaricom ensures that M-Pesa remains the go-to mobile money service for seamless financial transactions. Stay informed and leverage this service to simplify your payment processes in 2025 and beyond.
