M-PESA PayBill Transaction Charges for 2025-2026

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.