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M-PESA Till Charges 2026

Calculate merchant till fees instantly

Official 2026 Safaricom till (Buy Goods) merchant fees. Instant calculation for retail transactions.

M-PESA Till Calculator

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

Till Transaction Fee

KES --

Official M-PESA Till Charges 2026

Merchant till (Buy Goods) fee structure for retail transactions

Last Updated:
Amount Range (KES) Fee Rate Example Fee

M-PESA Till Charges 2026 (Explained)

M-PESA Till (Buy Goods) is the most cost-effective way for merchants to receive payments from customers. Unlike Paybill which charges customers, till transactions are merchant-friendly with customers paying zero fees.

Merchant fees are charged as a percentage of the transaction amount and are capped to protect businesses from high costs on large sales. The exact rate depends on the amount band and is defined by Safaricom in the official tariff.

How Till Fees Are Calculated

  • Below KES --: Fee is -- of the transaction amount.
  • From KES -- and above: Fee is --, capped at KES --.
  • Customer cost: Always KES 0 for Buy Goods.

Practical Fee Examples

If a customer pays KES --, the fee follows the lower rate. For larger payments such as KES --, the fee does not exceed the KES -- cap.

How M-PESA Till Works

  1. Customer selects Buy Goods: Dial *334# and select Lipa na M-PESA, then Buy Goods.
  2. Enter till number: Input your merchant till number (5-6 digits).
  3. Enter amount: Specify the transaction amount (minimum KES --, maximum KES --).
  4. Confirm and pay: Review details and enter M-PESA PIN to complete.
  5. Instant confirmation: Both customer and merchant receive instant SMS confirmations.

Till vs Paybill: Key Differences

  • Till (Buy Goods): Customers pay zero fees. Merchant pays -- (capped at KES --). Best for retail.
  • Paybill: Customers pay fees. Merchant receives full amount. Best for institutional payments.

Why Use Till for Your Business

  1. Customer-friendly: Zero fees for customers means higher transaction volume.
  2. Low merchant cost: Capped at KES -- regardless of transaction size.
  3. Instant settlement: Funds appear in your M-PESA account immediately.
  4. No account reference needed: Simpler than Paybill for retail transactions.
  5. Competitive advantage: Attract more customers by offering free M-PESA payments.

Getting a Till Number

  • Visit any Safaricom shop with your national ID and business registration.
  • Complete the merchant registration form.
  • Activate your till number immediately.
  • Start receiving payments within minutes.

Best Practices for Till Merchants

  • Display till number prominently: Customers need to know your till number to pay.
  • Reconcile daily: Check your M-PESA statement daily to track transactions.
  • Maintain minimum float: Keep sufficient balance to handle customer inquiries.
  • Keep records: Maintain transaction records for accounting and tax purposes.
  • Security: Never share your M-PESA PIN and protect your till credentials.

M-PESA Till Transaction Limits

Important limits and rules for till merchants

Per Transaction Limit

KES --

Maximum amount per single till transaction

Daily Limit

KES --

Total daily transaction limit across all M-PESA operations

Maximum Fee

KES --

Merchant fee capped at KES -- regardless of amount

Wallet Balance

KES --

Maximum M-PESA wallet balance for merchants

Frequently Asked Questions

Everything you need to know about M-PESA till charges and operations

Do customers pay any fees for till transactions?

No. Till (Buy Goods) transactions are completely free for customers. Only merchants pay a fee of -- (capped at KES --). This makes till the most customer-friendly payment method.

How much does a till transaction cost me as a merchant?

You pay -- of the transaction amount, but the fee is capped at KES --. For amounts below KES --, you pay --. So whether a customer pays KES -- or KES --, your maximum fee is KES --. This makes large transactions very cost-effective.

How do I get a till number?

Visit any Safaricom shop with your national ID and business registration documents. Complete the merchant registration form and your till number will be activated immediately. You can start receiving payments right away.

When do I receive the money from till transactions?

Funds are credited to your M-PESA account immediately after the transaction is completed. You can check your balance anytime by dialing *334# and selecting "My Account".

Can I use till for online sales?

Yes. You can share your till number with online customers. They can pay using M-PESA by entering your till number. This is a great way to accept online payments without additional setup.

What's the difference between till and agent withdrawal?

Till: Customers pay you directly for goods/services. You pay 0.5% merchant fee. Agent: Customers withdraw cash from your location. You earn commission on withdrawals. Both are valuable business models.

Is this calculator accurate for my till fees?

This calculator uses official 2026 Safaricom till merchant fees and is accurate for standard merchants. Your actual fees may vary if you have a special merchant agreement with different rates. Always verify with Safaricom for your specific terms.

Can I have multiple till numbers?

Yes. You can register multiple till numbers for different business locations or product categories. Each till number operates independently with its own transaction history and settlement.