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M-PESA Paybill Charges 2026

Calculate Paybill payment fees instantly

Official 2026 Safaricom customer-to-business tariffs for KPLC, NHIF, school fees, insurance, and all institutional payments with instant fee breakdown. Prefer the full guide? M-PESA Paybill charges guide.

M-PESA Paybill Calculator

Min: KES -- - Max: KES -- per transaction

Paybill Transaction Charge

KES --
Amount Sent KES --
Business Fee KES --
Customer Fee KES --
Total Transaction Fee KES --
Business Receives KES --

Official M-PESA Paybill Tariff Bands 2026

Compare Business, Mgao, and Customer tariff bands and see who pays each fee.

Last updated:
Bands (KES) Customer Pays (KES) Business Pays (KES) Total Fee (KES)

Fees shown are totals for the selected tariff band.

M-PESA Paybill charges for all tariffs in 2026

The Lipa na M-PESA service has simplified personal and business transactions in Kenya. This article outlines the Paybill charges for 2026 and the three tariff models used by Safaricom: Mgao (shared fees), Business (customer pays), and Customer (business pays).

What are the M-PESA Paybill charges in 2026?

Paybill charges depend on the amount band and the tariff a business has selected. Use the tables below to view the bands and who pays the fee for each tariff model.

Mgao Tariff Paybill charges

In the Mgao tariff, the customer and the business split the Paybill transaction fees. Below are the official bands for this tariff:

Bands (KES) Customer Pays (KES) Business Pays (KES) Total Fee (KES)

Business Tariff Paybill charges

In the Business tariff, the customer pays the full transaction fee and the business pays nothing.

Bands (KES) Customer Pays (KES) Business Pays (KES) Total Fee (KES)

Customer Tariff Paybill charges

In the Customer tariff, the business pays the full transaction fee and the customer pays nothing.

Bands (KES) Customer Pays (KES) Business Pays (KES) Total Fee (KES)

M-PESA Paybill Limits & Compliance

Understanding transaction thresholds and regulatory requirements for institutional payments

Minimum Payment

KES --

Lowest amount accepted for paybill transactions

Per Transaction Limit

KES --

Maximum amount per single paybill transaction

Daily Limit

KES --

Total daily transaction limit across all M-PESA operations

Record Keeping

Policy-based

Follow institution and regulator guidance for record retention

Frequently Asked Questions

Everything you need to know about M-PESA Paybill fees, limits, and best practices

Do paybill charges vary by business or institution?

No. Safaricom applies a uniform paybill tariff table to all businesses using the Business Tariff model (most common). Your fee depends only on the amount band, not which business you're paying.

Can I pay paybill from a business M-PESA account?

Yes. Business till numbers, Pochi la Biashara wallets, and registered business M-PESA accounts can all initiate paybill payments. The same tariff structure applies.

How long does it take for paybill payments to reflect?

M-PESA confirmations are instant for both sender and receiver. However, some institutions' internal systems sync every 15-30 minutes, so your account balance may not update immediately.

Can I reverse a paybill payment sent to the wrong account?

Reversals are possible but not guaranteed. Immediately forward your M-PESA confirmation SMS to 234 or call Safaricom customer care at 100. Also contact the business directly.

Are paybill payments tax-deductible for businesses?

Yes. Businesses can claim paybill payments as legitimate expenses when supported by M-PESA statements and corresponding supplier invoices or receipts.

Can I use Fuliza to pay paybill if I don't have enough balance?

Yes, as long as your Fuliza limit can cover both the paybill amount and the transaction fee. Remember that Fuliza charges its own access fee and daily maintenance fees.

What's the difference between Paybill and Buy Goods?

Paybill requires an account reference number and is used for institutional payments. Buy Goods (Till) is for retail purchases and customers pay zero fees.

Why do some paybills ask for account number and others don't?

Businesses configure their paybill systems differently. Utilities like KPLC require your meter number. Schools need student IDs. Always follow the specific institution's instructions.