The M-Pesa PayBill service remains a pivotal tool for businesses and individuals in Kenya, facilitating seamless and timely cash collections. Businesses utilize PayBill numbers to streamline transactions, making payments for services more efficient and accessible. Below are the updated M-Pesa PayBill transaction charges for the years 2025–2026.
M-Pesa PayBill Charges Table
| Amount Range (KSHS) | Transaction Charges (KSHS) |
|---|---|
| 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 of M-Pesa PayBill Charges
- Transactions Below KSHS 100 Are Free
Payments of KSHS 1–100 incur no transaction fees, promoting financial inclusion for low-value transactions. - Flat Rate for Higher Amounts
Transactions between KSHS 50,001 and KSHS 250,000 have a standardized fee of KSHS 108, ensuring consistency and predictability for larger payments. - Affordability for Small and Medium Payments
With charges as low as KSHS 5 for payments between KSHS 101 and 500, the PayBill service remains cost-effective for small businesses and individual users.
Why Use M-Pesa PayBill?
- Convenience: Collect payments anytime, anywhere.
- Efficiency: Reduces queues and manual payment processes.
- Security: Ensures safe and traceable transactions.
- Timeliness: Funds are received in real-time, improving cash flow management.
Conclusion
The updated M-Pesa PayBill transaction charges for 2025–2026 reflect Safaricom’s commitment to affordability and efficiency. Whether you’re a business or an individual, understanding these charges helps you make informed financial decisions and leverage M-Pesa’s services to their fullest potential.
