The Mpesa PayBill service has revolutionized how businesses and customers interact, offering a seamless, convenient, and secure way to process payments. In 2025, Mpesa continues to lead as a reliable payment solution, enabling customers to transfer money directly to businesses through a unique Paybill number. This guide provides an in-depth overview of the Mpesa Paybill transaction charges for 2025, including tariffs, benefits, and additional key details.
Mpesa PayBill Tariffs 2025
The transaction charges for Mpesa Paybill services in 2025 are tiered, ensuring affordability and accessibility for various transaction amounts. Below is a breakdown of charges for transfers and withdrawals:
Paybill Transaction Charges
| Transaction Range (KES) | Transfer to Mpesa Users, Pochi la Biashara, Business Till to Customer (KES) | Transfer to Other Registered Mobile Money Users (KES) | Withdrawal from Mpesa Agent (KES) |
|---|---|---|---|
| 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
| Transaction Range (KES) | 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
| Transaction Type | Charges (KES) |
|---|---|
| All Deposits | Free |
| Mpesa Registration | Free |
| Buying Airtime through Mpesa | Free |
| Mpesa Balance Enquiry | Free |
| Change Mpesa PIN | Free |
Key Highlights of Mpesa PayBill Charges
- No Charges for Small Transactions: Payments ranging from KES 1 to KES 100 incur no fees, making it ideal for micro-transactions.
- Flat Rate for Large Transactions: For amounts above KES 50,001, charges are capped at KES 108, ensuring affordability for high-value transfers.
- Proportional Charges: Tiered pricing guarantees reasonable fees for all transaction sizes.
Additional Details and Notes
- Maximum Limits:
- Account Balance: KES 500,000
- Daily Transaction Value: KES 500,000
- Per Transaction Amount: KES 250,000
- Minimum Withdrawal: KES 50
- Self-Reversal: To reverse a transaction, send the transaction confirmation to 456.
- Valid IDs for Registration:
- Kenyan Passports, National IDs, Foreign Passports, Military IDs, and Foreigner Certificates.
- Foreign documentation is only accepted at Safaricom Shops and Care Desks.
- Customer Support:
- Dial 100 (PrePay customers) or 200 (PostPay customers).
- Use 234# for self-service.
- Email: [email protected]
- Social Media: Facebook (@SafaricomPLC) and Twitter (@SafaricomPLC/@Safaricom_Care).
Benefits of Mpesa PayBill
- Convenience: Payments can be made anytime, anywhere.
- Transparency: Automated SMS confirmations for every transaction.
- Security: Encrypted systems ensure the safety of funds.
- Scalability: Suitable for businesses of all sizes, from SMEs to large corporations.
How to Pay Using Mpesa PayBill
- Open the Mpesa menu on your phone.
- Select Lipa na Mpesa.
- Choose PayBill.
- Enter the business’s Paybill number.
- Provide the account number (as directed by the business).
- Enter the amount to be paid.
- Confirm the transaction and enter your Mpesa PIN.
- Wait for a confirmation message.
Mpesa Paybill remains a revolutionary payment solution in 2025, offering unmatched convenience, security, and affordability. Whether for personal or business use, Mpesa simplifies transactions while supporting Kenya’s growing cashless economy. Make the most of this service for seamless and efficient payment experiences.
