The M-PESA PayBill service remains one of the most convenient ways for businesses and individuals to make and receive payments in Kenya. It allows customers to pay for goods and services seamlessly using their mobile phones. As we step into 2025, here are the updated transaction charges for using M-PESA PayBill numbers.
M-PESA PayBill Transaction 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 Features of M-PESA PayBill
- Zero Charges for Small Transactions: Payments below KSH 100 incur no transaction fees, making it ideal for low-value payments.
- Flat Rates for Higher Transactions: For transactions above KSH 50,001, the charge is capped at KSH 108, offering affordability for high-value payments.
- Ease of Use: Customers can make payments directly from their M-PESA wallets using PayBill numbers provided by service providers.
Benefits of Using M-PESA PayBill
- Convenience: Payments can be made anytime, anywhere, eliminating the need for physical cash.
- Security: Transactions are encrypted, ensuring the safety of your money.
- Transparency: Every transaction generates a confirmation SMS, providing a record for both the customer and the business.
- Timeliness: Payments reflect instantly, enabling seamless business operations.
Final Thoughts
The updated M-PESA PayBill charges for 2025-2026 aim to enhance financial inclusivity and ensure affordability for both small and large transactions. With its reliability and ease of use, the M-PESA PayBill service continues to play a crucial role in Kenya’s digital payment ecosystem.
