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Safaricom · Launched 2007
Kenya's dominant mobile money service, running on SIM rather than bank infrastructure. Merchant (Lipa na M-Pesa) pricing is a banded percentage that tapers on larger transactions.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Lipa na M-Pesa Buy Goods merchant tariff.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a KES 100.00 payment for comparison.
| Market | Listed fee | Cost on 100 | Effective | Since | Basis |
|---|---|---|---|---|---|
| Kenya | 0.5%, capped at KES 194.00 | KES 0.50 | 0.50% | 1 Jan 2021 | Estimate |
Every recorded change, newest first, with the movement from the rate it replaced.
Merchant tariff reinstated at a lower band structure than pre-pandemic.
Fees on low-value transfers waived during the COVID-19 emergency to reduce cash handling.
In Kenya, on the online channel: 0.5%, capped at KES 194.00, in force since 1 Jan 2021 (estimate). Fees differ by market and channel, and the table above lists each one.
It is priced in 1 market here: Kenya. A market missing from the list has not been recorded yet, which does not mean M-Pesa is unavailable there.
It is recorded as instant. Actual timing can depend on cut-off times and on the receiving account.
Not through a chargeback: it has no chargeback process, so a payment is hard to reverse once sent. Check who you are paying before you confirm.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
