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How much does it cost to LIPA NA mpesa?

Author

Mia Ramsey

Published Feb 20, 2026

How much does it cost to LIPA NA mpesa?

However, Lipa na M-Pesa has a secret: Hidden charges. While Lipa na M-Pesa is marketed as free to the consumer (with merchants paying 1% of transaction value to Safaricom), the truth is Safaricom allows merchants to charge . 5% of the transaction value to consumers if they want—and many merchants do so.

Furthermore, how can I use Lipa na mpesa?

  1. Duly filled and signed application form & Terms and Conditions. Copy of identification documents of persons opening the account i.e. National ID, Passport/Alien ID/Military ID. Additional for Bank Settlement:
  2. INDIVIDUAL. (Only applies to Buy Goods Product) INDIVIDUALS WITH. RENTAL BUSINESS.
  3. CATEGORY. KYC REQUIREMENTS.

Subsequently, question is, can you Lipa na mpesa with Fuliza? Fuliza is available for Send Money and Lipa na M-PESA transactions.

Beside this, how much does mpesa PayBill cost?

MPESA Paybill Charges

MinMaxCustomer Bouquet Tariff
5,0007,49983
7,5009,99983
10,00034,999110
35,00049,999198

How can I buy airtime from Lipa na mpesa?

Buy Airtime with MPESA

  1. Go to M-PESA on your phone.
  2. Select Lipa na M-PESA.
  3. Select Pay Bill option.
  4. Enter Business no.
  5. Enter the four letter code of the Mobile Telco followed by the Phone No to top up e.g. AIRT0735123456, ORNG0771123456.
  6. Enter the Amount with wish to buy.
  7. Enter your M-PESA PIN and Send.

How can I check my balance in Lipa na mpesa?

To withdraw and check your till balance, use the USSD code *234*7#. You will be charged 1.5% for any transaction. For example, if you cash out Ksh 70,000, your till balance will be Ksh.

What is the difference between PayBill and till number?

There is a slight difference between MPESA Paybill Number and Till Number. PayBill is a cash collection service that allows your organisation to collect money on a regular basis from your customers through M-PESA. Till Number on the other hand is a service that allows customers to pay for goods and services.

How do I withdraw money from mpesa to number?

Withdraw to my number
  1. Withdraw to my number.
  2. Dial *234# from the nominated number.
  3. Then select option 2 – M-PESA Business Till.
  4. Then enter your head office or store number.
  5. Select option 1 - Withdraw Funds.
  6. Under withdraw funds, select Option 1 - withdraw funds to my number.
  7. Enter amount you wish to withdraw.
  8. Enter operator id.

What do I need to start an mpesa business?

You'll need to provide Safaricom with business permits for each of the MPESA outlets, VAT & tax certificates, ID's, banking license from a reputable financial institution and police clearance certificates. Fill in the MPesa agent head office application form and the MPesa agent store application form.

How do I become a mpesa agent?

The following are the requirements for appointment as an authorized M-PESA agent. Prospective agent must be registered as a LIMITED company or equivalent with at least 3 outlets ready to offer M-PESA under the company names. The company MUST have traded for a minimum period of 6 months.

How do I withdraw money from till number?

option a) Withdrawing Using to Safaricom Code
  1. Go to your Lipa Na Mpesa Safaricom Number that you were given by Safaricom.
  2. Dial *234#
  3. Select Merchant Services.
  4. Under Merchant Services.
  5. For Till number, go to Withdraw cash to my number and Then Enter store number (nominated phone number) then proceed to the last step.

How do I apply for till no?

Application for Mpesa Till Number as Sole Proprietor Requirements
  1. Copy of Cancelled cheque or letter from bank stating bank details as per certificate of registration.
  2. Copy of Certificate of Registration or Business Permit No.
  3. Copy of Individual KRA PIN Certificate.
  4. Copy of National ID – Back.
  5. Copy of National ID – Front.

How do I get a Paybill number?

How To Register For Mpesa Paybill Number For Individuals
  1. Go to the Safaricom Lipa Na M-Pesa website.
  2. Download the M-Pesa PayBill application form.
  3. Also, download the M-Pesa PayBill Terms and Conditions.
  4. Fill the forms providing all the required information.
  5. Agree to the terms and conditions.

How much do mpesa agents earn per month?

How much commission can a Mpesa sub-agent make in a month? On average a sub-agent operating with a float of Ksh. 30,000 can make an estimated commission of Ksh.

How much does mpesa charge to withdraw 3000?

Withdrawal from M-PESA Agent
Min(KSHs.)Max(KSHs.)M-PESA Charges
1,5012,50028
2,5013,50050
3,5015,00067
5,0017,50084

How long does it take to get a Paybill number?

around 24 hours

What is the maximum amount mpesa can hold?

100,000

How can I transfer money from PayBill to bank account?

How to do an M-PESA to Bank Transaction
  1. This is service is available via PayBill.
  2. Simply follow the following simple steps:
  3. Go to M-PESA menu on your phone.
  4. Go to Lipa na M-PESA, PayBill option.
  5. Enter the banks business number (consult with bank)
  6. Enter account number which is your bank account number.
  7. Enter amount.

How much can you hold in Mshwari?

The minimum amount that you can keep in your account is Ksh 0 (zero) balance.

How does mpesa Paybill work?

How Does Mpesa Paybill Work For Customers. Safaricom Mpesa introduced the pay bill system to enable customers to pay for goods and services through a designated account number. Mpesa assigns the pay bill number to companies or organizations for them to receive funds from customers.

How do I transfer money from mpesa to my bank account?

How to Transfer Money from MPESA to Bank Account
  1. Go to M-PESA menu on your mobile phone.
  2. Select Lipa na M-PESA, then choose Paybill.
  3. Enter the bank's Paybill/ business number.
  4. Enter your bank account number.
  5. Enter amount to transfer.
  6. Enter your M-PESA PIN.
  7. Confirm all details are correct, then send.

How is mpesa commission calculated?

Safaricom Mpesa Commission Rates/Charges For 2020

According to the rate, the minimum amount of commission an agent can earn is Ksh 4 after transacting Ksh50-Ksh100. The highest amount of commission, on the other hand, from a single transaction, is Ksh190. It is after the customer transacts Ksh60, 021 to Ksh 70,000.

How many times can one Fuliza?

Every time you transact using Fuliza, you will receive an sms with the outstanding Fuliza amount. How many times can I use Fuliza M-PESA? You can use it as many times as needed as long as you are within the allocated Fuliza M-PESA limit.

Can you Fuliza with Mshwari?

While an M-Shwari loan comes as credit in a customer's account, allowing the borrower to withdraw the money or transfer it out, Fuliza is an overdraft service that allows customers to complete M-Pesa transactions when they have insufficient funds.

How much does Fuliza charge per day?

When you take a Fuliza M-Pesa loan, Safaricom will charge you a one-time fee of 1.083% of the loan amount.

How Much Is Fuliza Mpesa Daily Charges?

Fuliza AmountDaily Charges
501 - 1000Kshs 10 per day
1001 - 1500Kshs 20 per day
1501 - 2500Kshs 25 per day
2501 - 70000Kshs 30 per day

Does Fuliza limit increase?

Fuliza is an overdraft service that allows M-PESA customers to complete transactions even when their have insufficient funds in their accounts. While the Fuliza limit is reviewed every 3 months depending on your usage of the Mpesa account, you can instantly increase this limit by opting out and then opting in.

How can I get Fuliza loan after registration?

So, how do you get a Fuliza loan? To apply for Fuliza M-Pesa, you must be a registered M-Pesa customer with an active Safaricom line. The line must have been active for the last six months to use the Fuliza service. You can opt into the service by dialing *234# from your Safaricom line.

Can I pay Mshwari loan for another number?

If you need to repay an M-Shwari loan for another number you can do so by sending the money to the other party via their M-Pesa account. To do so simply: Go to your M-Pesa menu and select the 'Send Money' option. Next, enter the phone number of the individual you are sending the money for the M-Shwari loan to.

How do I get Fuliza credit?

Here's How To Buy Airtime Using Fuliza
  1. Go to the M-Pesa menu.
  2. Select the Pay Bill option.
  3. Dial-in the business number which is 737373.
  4. Enter your number as the account number.
  5. Choose the amount of Airtime you wish to buy.
  6. Enter your PIN number and click send.
  7. You will be prompted to check the details of the transaction for 25 seconds.

Can you Fuliza to a till number?

Fuliza overdraft only comes in to help you when you don't have sufficient funds in your M-PESA account to complete a transaction. Lipa na M-Pesa to Till Numbers e.g. Supermarkets, Transport, etc.

Can I use Fuliza to buy airtime?

It has always been a challenge to purchase airtime using Safaricom's fuliza service. However, Tupay Technology Paybill number 737373 allows you to buy airtime using Fuliza. Enter your PIN number and click send. You will be prompted to check the details of the transaction for 25 seconds.

Can I buy Telkom airtime using mpesa?

You can easily buy airtime to your Telkom line using your Safaricom M-Pesa line. The service is done using M-Pesa Paybill number 220220. You will receive a confirmation text upon successful transaction.

How can I get free Telkom airtime from mpesa?

How to Buy Telkom Kenya Airtime from M-PESA for Free
  1. Access your STK or mySafaricom app.
  2. Choose Lipa Na M-PESA.
  3. Select Pay Bill.
  4. Enter Business Number (309028)
  5. Enter account number (Telkom, Safaricom or Airtel number)
  6. Choose amount.
  7. Authenticate with your PIN code.
  8. Done.

How can I get free Airtel mpesa credit?

Using MPESA
  1. Go to the M-pesa Menu.
  2. Select Pay Bill.
  3. Enter Business No. 220220.
  4. Enter Account No. AIRTXXXXXX (Where XXXXXX is your Airtel Mobile number)
  5. Enter the Amount.
  6. Enter your M-Pesa PIN then send.

What is Telkom Paybill number?

Easily top up your airtime using our M-pesa Paybill number 777711.

How do you buy credit for another number?

By use of M-Pesa
  1. Go to the M-Pesa Menu.
  2. Click on Buy Airtime.
  3. Select buy for another phone.
  4. Enter the phone number you wish to buy airtime for.
  5. Enter the amount you wish to sambaza.
  6. Enter your PIN.
  7. Confirm if the amount and number are okay.
  8. Press OK or CALL button.

How do you pay for tokens?

How to Buy Kenya Power (KPLC) Prepaid Tokens via M-PESA Paybill Number 888880.
  1. Go to Safaricom SIM Tool Kit, select M-PESA menu, select “Lipa na M-PESA“
  2. Select “Pay Bill“
  3. Select “Enter Business no.“, Enter KPLC's Lipa na M-PESA PayBill Number 888880 and press “OK”

How do I transfer credit to Telkom?

How to share or transfer Telkom airtime with friends and family
  1. On your phone dial *140#
  2. Then enter the amount you want to transfer.
  3. On the next screen, enter the beneficiary's Telkom number.
  4. Confirm the transaction.

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