The M-Pesa PayBill service has become a cornerstone for businesses in Kenya, offering a seamless and timely way for customers to make payments. As of 2025, Safaricom has updated its PayBill transaction charges to ensure affordability and transparency. Here’s a detailed breakdown of the charges for making payments via M-Pesa PayBill.
Updated M-Pesa PayBill Transaction Charges (2025-2026)
| Transaction Amount (KES) | Charges (KES) |
|---|---|
| 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
- No Charges for Small Transactions: Payments between KES 1 and KES 100 are free, promoting financial inclusion and affordability for low-value transactions.
- Fixed Charges for High-Value Transactions: Payments exceeding KES 50,000 incur a maximum charge of KES 108, offering predictability for larger payments.
- Affordable Rates: The tiered charge structure ensures fairness, with minimal costs for lower-value transactions and competitive rates for higher amounts.
Benefits of Using M-Pesa PayBill
- Convenience: Customers can pay bills from the comfort of their location without visiting physical offices or outlets.
- Timeliness: Payments are processed instantly, ensuring businesses receive funds in real time.
- Transparency: The structured charges make it easy to understand costs upfront.
How to Make a Payment via M-Pesa PayBill
- Go to your M-Pesa menu on your phone.
- Select “Lipa na M-Pesa” and choose “PayBill.”
- Enter the business number (PayBill number) provided by the service provider.
- Input the account number (e.g., your reference number).
- Enter the amount you wish to pay and confirm the transaction.
By understanding the updated charges, businesses and individuals can better plan their transactions, ensuring cost efficiency and seamless payment experiences. Whether for utility bills, school fees, or other services, M-Pesa PayBill remains a trusted and affordable solution in Kenya’s financial ecosystem.
