We use cookies to improve calculator accuracy and remember your preferences. Learn more about our cookie policy.

M-PESA Agent Commission 2026

Calculate Your Deposit Commission Earnings

Official 2026 Safaricom agent commission rates. Instant calculation of earnings from all transaction types.

Agent Commission Calculator

Min: KES 50 - Max: KES 70,000

Your Commission

KES --

M-PESA Agent Commission Rates 2026

Official Safaricom agent commission structure by transaction type and amount

Deposit Amount (KES) Agent Commission (KES)

M-PESA Agent Commission 2026 (Explained)

M-PESA agents are the backbone of Kenya's mobile money ecosystem, providing essential transaction services to millions of users daily. Understanding agent commissions is crucial for anyone operating an M-PESA agent business or considering entering this lucrative field.

What is an M-PESA Agent?

An M-PESA agent is an authorized merchant who provides M-PESA services to customers in exchange for commissions on transactions. Agents facilitate cash deposits, withdrawals, money transfers, bill payments, and other M-PESA services. They operate from retail shops, kiosks, or dedicated agent outlets across Kenya.

How Agent Commissions Work

Agent commissions are fixed amounts based on transaction bands, not percentages. For deposits, commissions range from KES -- (for --) to KES -- (for --). For withdrawals, commissions range from KES -- (for --) to KES -- (for --). Each transaction band has a specific commission amount set by Safaricom.

Commission Structure by Service

  • Deposits: Agents earn KES ----- depending on deposit amount (-- range)
  • Withdrawals: Agents earn KES ----- for cash withdrawal services (-- range)
  • Key Benefit: M-PESA deposits to clients are free, yet Safaricom still pays commissions to agents

Benefits of Being an M-PESA Agent

  • Earn Commission on Every Transaction: Agents earn commission from Safaricom whenever they make deposits or withdrawals for clients
  • Free Deposits Still Earn Commission: Even though customer deposits are free, Safaricom pays agents for this service
  • Shared Withdrawal Fees: When customers withdraw money, the withdrawal fee is shared between Safaricom, principal-agent, and sub-agent
  • Higher Earnings in Strategic Locations: Agents in high-traffic areas with frequent transactions earn significantly more commission
  • Increased Commission on Higher Bands: The highest commission is KES -- for deposits of --

Maximizing Agent Earnings

To increase commission income, agents should focus on:

  • Transaction Volume: Higher transaction volumes directly translate to higher earnings
  • Customer Service: Excellent service builds customer loyalty and repeat business
  • Operating Hours: Extended hours capture more transactions during peak times
  • Location: High-traffic areas generate more customer footfall
  • Service Variety: Offering multiple services (send, withdraw, paybill) increases revenue streams

Agent Requirements & Registration

To become an M-PESA agent, you must:

  • Be a Safaricom customer with an active M-PESA account
  • Have a valid national ID or passport
  • Operate from a fixed retail location
  • Complete Safaricom's agent registration process
  • Maintain minimum cash float requirements
  • Comply with all regulatory requirements

Tips for Successful Agent Operations

  • Track All Transactions: Keep detailed records for reconciliation with Safaricom statements
  • Manage Cash Float: Maintain appropriate cash levels to handle customer withdrawals
  • Customer Education: Help customers understand charges and services
  • Security: Follow all security protocols to protect customer data and funds
  • Professional Conduct: Maintain high standards to build trust and reputation

M-PESA Agent Transaction Limits

Important limits and rules for agent operations

Per Transaction Limit

KES --

Maximum amount per single transaction

Daily Limit

KES --

Maximum total per day across all transactions

Wallet Balance Limit

KES --

Maximum M-PESA wallet balance

Minimum Withdrawal

KES --

Minimum cash withdrawal amount

ATM Withdrawal Limit

KES --

Maximum per ATM transaction

ATM Daily Limit

KES --

Maximum total per day at ATM

Frequently Asked Questions

Common questions about M-PESA agent commissions

How are agent commissions calculated?

Agent commissions are fixed amounts based on transaction bands, not percentages. For deposits, commissions range from KES -- (for --) to KES -- (for --). For withdrawals, commissions range from KES -- (for --) to KES -- (for --). Each transaction band has a specific commission amount set by Safaricom.

When do I receive my commissions?

Commissions are automatically credited to your M-PESA account immediately after each transaction is completed. You can view your commission history through your M-PESA statement or the agent portal. Safaricom typically settles agent accounts on a daily or weekly basis depending on your agreement.

What's the difference between Deposit and Withdrawal commissions?

Deposit commissions are earned when customers deposit cash into their M-PESA accounts (KES -----). Withdrawal commissions are earned when customers withdraw cash from your agent location (KES -----). Withdrawal commissions are slightly higher because agents handle physical cash and need to maintain adequate float. Importantly, customer deposits are free, yet Safaricom still pays agents commission for this service.

Can I increase my commission earnings?

Yes, you can increase earnings by: (1) Increasing transaction volume through better customer service, (2) Operating extended hours to capture more transactions, (3) Offering all available services (Send, Withdraw, Paybill), (4) Locating in high-traffic areas, and (5) Building customer loyalty through reliability and transparency.

What are the requirements to become an M-PESA agent?

To become an M-PESA agent, you need: (1) An active Safaricom SIM card and M-PESA account, (2) A valid national ID or passport, (3) A fixed retail location with good foot traffic, (4) Ability to maintain minimum cash float (typically KES 10,000-50,000), (5) Willingness to complete Safaricom's training and registration process, and (6) Compliance with all regulatory requirements.

How do I track my transactions and commissions?

You can track transactions through: (1) M-PESA statement by dialing *334# and selecting "View Statement", (2) Agent portal on Safaricom's website with your agent credentials, (3) SMS notifications for each transaction, and (4) Monthly settlement reports from Safaricom. Keep detailed records for reconciliation and tax purposes.

What happens if I exceed transaction limits?

If you exceed transaction limits, the transaction will be declined. For example, if you try to send more than KES -- in a single transaction, the system will reject it. Daily limits are also enforced; once you reach KES -- in total transactions for the day, no further transactions can be processed until the next day.

Is this calculator accurate for my commissions?

This calculator uses official 2026 Safaricom commission rates and is accurate for standard agent commissions. However, your actual commissions may vary if: (1) You have a special agent agreement with different rates, (2) You're in a pilot program with modified rates, or (3) Safaricom updates rates mid-year. Always verify with your agent manager for your specific rates.